Thank you for advising us of this consumer's concerns I have reviewed the complaint and our system We did attempt contact with the consumer on several occasions We sent three letters to the consumer in when we received the debt None of which were returned to us by the post office so we have no reason to believe they weren't delivered We also spoke to the consumer several times in and Each time the consumer advised us that she wasn't concerned about this bill I have forwarded the account to our dispute resolution department We will request validation from our client and forward it to the consumer as soon as it is received I hope this will resolve this complaint Please advise our office if we can be of further assistance Thank you!
Initial Business Response / [redacted] (1000, 6, 2015/07/01) */ Contact Name and Title: [redacted] Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @consumercollection.com Thank you for advising us of the consumer's concernsI have reviewed the complaint and our systemAccording to our system we have mailed letters to the consumer to his address in [redacted] The letters were sent on 10/30/13, 11/29/13, 12/16/13, 12/30/and 1/13/The letters were not returned to us by the USPS so we have no reason to believe they weren't deliveredAs a courtesy to the consumer, I will remove this from his credit and send validation to his address on fileI hope this will satisfy his concernsPlease let us know if we can be of further assistance
Thank you for advising us of this consumer's complaint I have reviewed it and our file I confirmed with our clients that all of the accounts in question are for the correct consumer The date of birth is for [redacted] *** Validation for all four accounts was mailed to the consumer on 2/1/ I hope this will resolve the consumer's concerns Please let us know if we can be of further assistance Thank you
Complaint: [redacted] I am rejecting this response because:I didn't send it certified so I don't have a returned recieptI'm waiting for validation for these accounts in question Sincerely, [redacted] ***
Thank you for advising us of this consumers concerns I have reviewed the complaint and the information in our system When we received the account in March 2013, we attempted to send a letter to the address provided to us by our client It was returned to us as a bad address We first spoke to the consumer on 7/22/and informed her of the debt She informed us that insurance should have the covered the account The consumer was to call us back with further information but did not We attempted contact via phone and address a couple times after that with no response On 5/16/the consumer called our office She stated she had discovered the debt on her credit We asked her to verify her address She advised us that the street name was correct but refused to provide the zip code We could not send validation as that address had returned mail to us previously We spoke to the consumer again on 6/22/and she again refused to provide a current address The consumer asked for our address so she could send a certified letter but we still have not received it Due to the age of the account, I will remove it from her credit as a courtesy It does not resolve the balance that is due, though Please let us know if we can be of further assistance Thank you
Complaint: [redacted] I am rejecting this response because: If the information Consumer Collection Management (CCM) sent to the credit reporting agencies was not my information then how did the credit reporting agencies get MY information? I will tell you how CCM is not being truthful when they say that they did not report my information to the credit reporting agencies I have spoken with all three credit reporting agencies All three credit reporting agencies have confirmed that they receive ALL of their information from the debt collectors, such as CCM There was a total of four or five accounts, ALL from CCM, which were falsely reported to the credit reporting agencies It has taken me a total of six months to remove all of the fraudulent accounts CCM reported to the credit reporting agencies It is in the better interests of CCM to report information to the credit reporting agencies, in the hopes that some poor soul won't stand up for themselves and then CCM could potentially collect money from people too fragile to stand up for themselves There needs to be some sort of demerit or red flag against this company so people know that they are dealing with a fraudulent and deceptive company Sincerely, [redacted] ***
Thank you for advising us of this consumer's concerns I have reviewed the complaint and our system I do show that we spoke to the consumer on 12/6/ The consumer indicated that they wanted a letter sent to them stating that they have payment arrangements We don't send letters like that as we have had trouble with people using them in the past to get credit extended and then cancel the agreement If the consumer would like to establish a payment arrangement, we do send reminder letters days before payment is due Each month would then reflect the new balance after the previous month's payment is applied We also advised the consumer that if they would like to bring the payments into our office, we can provide a receipt each time they do After the full balance is paid, we would be happy to issue a letter to the consumer stating that it is paid in full I hope this will resolve the consumer's concerns Please let us know if we can be of further assistance Thank you
Thank you for advising us of this consumer's concerns I have reviewed the complaint and our system We received this account from our client in May Since that time we did send three letters We also tried calling numerous times with no answer On 2/5/16, the consumer called our office and requested a settlement on the account I don't have any notes that validation was requested, only the settlement We advised the consumer that we would need our client to approve the settlement We contacted the original creditor on 2/10/ On 2/15/they confirmed that the settlement offer was approved On 2/and 2/we attempted to contact the consumer at the number we were provided There was no answer and no messages were left We did receive online notification thru E-Oscar that the consumer was wanting verification that the debt was valid We provided that verification to E-Oscar several times and also updated the balance with the credit bureaus for the settlement amount We have had no other contact with the consumer since that time I have requested validation from our client today and will mail that to the consumer when received as requested I hope this should resolve the consumer's concerns Please let us know if we can be of further assistance Thank you
Initial Business Response / [redacted] (1000, 7, 2016/02/01) */ [redacted] has two accounts that were placed in our office on July 24, The first collection call was made to Ms [redacted] Cell phone on September 8, After we identified our self and gave the Mini-Miranda, Ms [redacted] disconnected the call when trying to verify information to identify we were talking to the correct personWe attempted to contact her more times by phone July 24th, and January 12th, Six of those attempts were to her cell phone Ms [redacted] did contact Ms [redacted] at her Place of employment on January 12th, Ms [redacted] did advise Ms [redacted] she did not want any further calls at her place of employment, and Ms [redacted] did flag the account so no further calls would be made to her place of employmentMS [redacted] did try to tell Ms [redacted] that we had made attempts to reach her at her cell phone several times to which Ms [redacted] replied she had not received any calls or messages at that numberMs [redacted] again repeated we were not to call her at work, just call her cell phoneMs [redacted] did tell her she would not be calling her at any phone number and she would proceed with collection activityThere was never a threat of Legal action nor did Ms [redacted] ever state she would push the account further into collections and let them handle you During Ms [redacted] conversation with me, I told her I am the collection manager, (I am), she also wanted to know who the upper management team was, I advised her I was also the Vice PresidentShe requested to know the disciplinary action that would be taken with Ms [redacted] for disrespecting herI informed her we do not publish or broadcast those actions they are handled within and details are kept internalI did not tell her we do not have complaints, I did tell her we do not get complaints regularly because we do not tolerate threatening, disrespectful behavior on the phoneMs [redacted] kept pushing to know what actions would be taken against Ms [redacted] and I told Ms [redacted] I could not tell her what actions would be taken because I had not heard the callI did apologize to her for her frustrations and explained in the call that we do not offer letters explaining what actions would be taken against any of our collectors or the outcome of such actionMs [redacted] had calmed down by the end of the call and seemed accepting of my word that the call would be reviewed and the collector would be counseled after hearing the recording We did listen to the recording and did not hear the FDCPA violationsThe next step in the collection process at Consumer Collection Management is to send a final letterMs [redacted] stating she would proceed with collection activity refers to sending the last letter in the dun letter series Ms [redacted] accounts remain open and unpaid in our office
Thank you for advising us of this consumer's concerns I have reviewed the complaint and our system I do show that we spoke to the consumer on 3/28/and setup up payment for the balance in full to be processed on 4/15/ At that time, the account had not been sent to the credit However a promise to pay will not keep an account from being reported to the credit The account was sent to her credit the beginning of April 2017, prior to the payment processing According to our notes, the consumer called our office on 4/11/to inquire about the account being reported to her credit Our agent advised the consumer that she would have the recording of the call from 3/28/pulled and a manager would call her back The manager called her back at 5:on 4/11/ The consumer was advised that at no time during the call on 3/28/was her credit questioned or discussed As a general practice, we send an update file to the credit bureaus at the beginning of each month As per our practice, at the beginning of May we will notify the credit that this has been paid in full Once the account has been paid in full for more than days we will send an update advising the account should be removed from the credit At the beginning of June, this account will be removed I hope this will resolve the consumer's concerns Please let us know if we may be of further assistance Thank you
Thank you for advising of this consumer's concerns I have reviewed the complaint and our system I do show we spoke to the consumer for the first time on 1/23/ The consumer advised us that the amount being billed was being disputed We updated the consumer's address info per request and forwarded the account to our dispute resolution department We confirmed the charges with our client and verified their accuracy On 1/30/we mailed a dispute response to the consumer along with documentation received from our client We did receive another letter from the consumer on 2/9/indicating the account was still in dispute We mailed a letter back to the consumer again on 2/13/still confirming the balance due as accurate That letter was mail returned to us but we confirmed it matched the information the consumer had given us On 4/6/we sent another letter, this time with an apartment number that we had not been provided before On 4/28/we received a letter from the consumer stating he wanted to settle the debt because he was returning to China On 7/17/we received notification from our client that consumer was requesting a settlement of his account Our client advised us that they would not be accepting any settlements as the balance is due and accurate Our client also stated that the consumer was claiming other people were named on the lease but they only show the consumer's name We can send out another validation to the consumer, showing the lease and charges added We are not able to accept a settlement on this account I hope this will resolve the consumer's concerns Please let us know if we may be of further assistance Thank you!
Initial Business Response / [redacted] (1000, 5, 2015/08/05) */ Contact Name and Title: [redacted] ***-Acct Srvcs Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @consumercollection.com Thank you for advising us of this consumer's concernsI have reviewed the complaint and our systemWe spoke to the consumer on 12/8/and he gave us credit card information to process $per month on the 15th of each month beginning 12/15/We processed this payment each month until it was declined on 3/15/as an invalid card numberWe then spoke to the consumer again on 5/2/and were provided with new credit card info to continue payments of $on the 15th of each monthThese ran until the consumer called us on 7/22/and requested that we stop the payments His card info has been removed from our system and no further payments will be processed without his authorizationWe will accept any payments that the consumer can make in the future I hope this will resolve this complaintPlease let us know if we can be of further assistanceThank you!
Thank you for advising us of this consumer's concerns I have reviewed the complaint and our system The only address we have on file is the one the consumer provided as his in the complaint If that is also his father's address we are unaware I have noted our account that the consumer doesn't agree with the balance We would be happy to provide him with debt validation if he would like He may call our office and provide the address he wants it sent to I have noted our account to not make any future phone calls to the consumer Please let us know if we may be of further assistance Thank you
Thank you for advising us of this consumer's concerns We have reviewed her comments and our notes The account has now been closed in our office and she will have no further contact from us regarding this account The consumer may contact our office if she has any further questions or concerns Thank you
Thank you for advising us of this consumer's concerns I have reviewed the account in our system We received a call from the consumer on 10/4/requesting the paid in full letter be faxed The same day it was typed On 10/6/we faxed the letter per the consumer's request and received confirmation that it went thru We had no way of knowing that the letter wasn't received by the consumer She called our office again on 10/12/demanding another letter be sent Another letter was typed and faxed on 10/ I will have another letter mailed to the consumer at the address she provided on this complaint I hope this will resolve the consumer's complaint Thank you
Thank you for advising us of this consumer's concerns I have reviewed the complaint and our system We did attempt contact with the consumer on several occasions We sent three letters to the consumer in when we received the debt None of which were returned to us by the post office so we have no reason to believe they weren't delivered We also spoke to the consumer several times in and Each time the consumer advised us that she wasn't concerned about this bill I have forwarded the account to our dispute resolution department We will request validation from our client and forward it to the consumer as soon as it is received I hope this will resolve this complaint Please advise our office if we can be of further assistance Thank you!
Initial Business Response / [redacted] (1000, 6, 2015/07/01) */ Contact Name and Title: [redacted] Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @consumercollection.com Thank you for advising us of the consumer's concernsI have reviewed the complaint and our systemAccording to our system we have mailed letters to the consumer to his address in [redacted] The letters were sent on 10/30/13, 11/29/13, 12/16/13, 12/30/and 1/13/The letters were not returned to us by the USPS so we have no reason to believe they weren't deliveredAs a courtesy to the consumer, I will remove this from his credit and send validation to his address on fileI hope this will satisfy his concernsPlease let us know if we can be of further assistance
Thank you for advising us of this consumer's complaint I have reviewed it and our file I confirmed with our clients that all of the accounts in question are for the correct consumer The date of birth is for [redacted] *** Validation for all four accounts was mailed to the consumer on 2/1/ I hope this will resolve the consumer's concerns Please let us know if we can be of further assistance Thank you
Complaint: [redacted] I am rejecting this response because:I didn't send it certified so I don't have a returned recieptI'm waiting for validation for these accounts in question Sincerely, [redacted] ***
Thank you for advising us of this consumers concerns I have reviewed the complaint and the information in our system When we received the account in March 2013, we attempted to send a letter to the address provided to us by our client It was returned to us as a bad address We first spoke to the consumer on 7/22/and informed her of the debt She informed us that insurance should have the covered the account The consumer was to call us back with further information but did not We attempted contact via phone and address a couple times after that with no response On 5/16/the consumer called our office She stated she had discovered the debt on her credit We asked her to verify her address She advised us that the street name was correct but refused to provide the zip code We could not send validation as that address had returned mail to us previously We spoke to the consumer again on 6/22/and she again refused to provide a current address The consumer asked for our address so she could send a certified letter but we still have not received it Due to the age of the account, I will remove it from her credit as a courtesy It does not resolve the balance that is due, though Please let us know if we can be of further assistance Thank you
Complaint: [redacted] I am rejecting this response because: If the information Consumer Collection Management (CCM) sent to the credit reporting agencies was not my information then how did the credit reporting agencies get MY information? I will tell you how CCM is not being truthful when they say that they did not report my information to the credit reporting agencies I have spoken with all three credit reporting agencies All three credit reporting agencies have confirmed that they receive ALL of their information from the debt collectors, such as CCM There was a total of four or five accounts, ALL from CCM, which were falsely reported to the credit reporting agencies It has taken me a total of six months to remove all of the fraudulent accounts CCM reported to the credit reporting agencies It is in the better interests of CCM to report information to the credit reporting agencies, in the hopes that some poor soul won't stand up for themselves and then CCM could potentially collect money from people too fragile to stand up for themselves There needs to be some sort of demerit or red flag against this company so people know that they are dealing with a fraudulent and deceptive company Sincerely, [redacted] ***
Thank you for advising us of this consumer's concerns I have reviewed the complaint and our system I do show that we spoke to the consumer on 12/6/ The consumer indicated that they wanted a letter sent to them stating that they have payment arrangements We don't send letters like that as we have had trouble with people using them in the past to get credit extended and then cancel the agreement If the consumer would like to establish a payment arrangement, we do send reminder letters days before payment is due Each month would then reflect the new balance after the previous month's payment is applied We also advised the consumer that if they would like to bring the payments into our office, we can provide a receipt each time they do After the full balance is paid, we would be happy to issue a letter to the consumer stating that it is paid in full I hope this will resolve the consumer's concerns Please let us know if we can be of further assistance Thank you
Thank you for advising us of this consumer's concerns I have reviewed the complaint and our system We received this account from our client in May Since that time we did send three letters We also tried calling numerous times with no answer On 2/5/16, the consumer called our office and requested a settlement on the account I don't have any notes that validation was requested, only the settlement We advised the consumer that we would need our client to approve the settlement We contacted the original creditor on 2/10/ On 2/15/they confirmed that the settlement offer was approved On 2/and 2/we attempted to contact the consumer at the number we were provided There was no answer and no messages were left We did receive online notification thru E-Oscar that the consumer was wanting verification that the debt was valid We provided that verification to E-Oscar several times and also updated the balance with the credit bureaus for the settlement amount We have had no other contact with the consumer since that time I have requested validation from our client today and will mail that to the consumer when received as requested I hope this should resolve the consumer's concerns Please let us know if we can be of further assistance Thank you
Initial Business Response / [redacted] (1000, 7, 2016/02/01) */ [redacted] has two accounts that were placed in our office on July 24, The first collection call was made to Ms [redacted] Cell phone on September 8, After we identified our self and gave the Mini-Miranda, Ms [redacted] disconnected the call when trying to verify information to identify we were talking to the correct personWe attempted to contact her more times by phone July 24th, and January 12th, Six of those attempts were to her cell phone Ms [redacted] did contact Ms [redacted] at her Place of employment on January 12th, Ms [redacted] did advise Ms [redacted] she did not want any further calls at her place of employment, and Ms [redacted] did flag the account so no further calls would be made to her place of employmentMS [redacted] did try to tell Ms [redacted] that we had made attempts to reach her at her cell phone several times to which Ms [redacted] replied she had not received any calls or messages at that numberMs [redacted] again repeated we were not to call her at work, just call her cell phoneMs [redacted] did tell her she would not be calling her at any phone number and she would proceed with collection activityThere was never a threat of Legal action nor did Ms [redacted] ever state she would push the account further into collections and let them handle you During Ms [redacted] conversation with me, I told her I am the collection manager, (I am), she also wanted to know who the upper management team was, I advised her I was also the Vice PresidentShe requested to know the disciplinary action that would be taken with Ms [redacted] for disrespecting herI informed her we do not publish or broadcast those actions they are handled within and details are kept internalI did not tell her we do not have complaints, I did tell her we do not get complaints regularly because we do not tolerate threatening, disrespectful behavior on the phoneMs [redacted] kept pushing to know what actions would be taken against Ms [redacted] and I told Ms [redacted] I could not tell her what actions would be taken because I had not heard the callI did apologize to her for her frustrations and explained in the call that we do not offer letters explaining what actions would be taken against any of our collectors or the outcome of such actionMs [redacted] had calmed down by the end of the call and seemed accepting of my word that the call would be reviewed and the collector would be counseled after hearing the recording We did listen to the recording and did not hear the FDCPA violationsThe next step in the collection process at Consumer Collection Management is to send a final letterMs [redacted] stating she would proceed with collection activity refers to sending the last letter in the dun letter series Ms [redacted] accounts remain open and unpaid in our office
Thank you for advising us of this consumer's concerns I have reviewed the complaint and our system I do show that we spoke to the consumer on 3/28/and setup up payment for the balance in full to be processed on 4/15/ At that time, the account had not been sent to the credit However a promise to pay will not keep an account from being reported to the credit The account was sent to her credit the beginning of April 2017, prior to the payment processing According to our notes, the consumer called our office on 4/11/to inquire about the account being reported to her credit Our agent advised the consumer that she would have the recording of the call from 3/28/pulled and a manager would call her back The manager called her back at 5:on 4/11/ The consumer was advised that at no time during the call on 3/28/was her credit questioned or discussed As a general practice, we send an update file to the credit bureaus at the beginning of each month As per our practice, at the beginning of May we will notify the credit that this has been paid in full Once the account has been paid in full for more than days we will send an update advising the account should be removed from the credit At the beginning of June, this account will be removed I hope this will resolve the consumer's concerns Please let us know if we may be of further assistance Thank you
Thank you for advising of this consumer's concerns I have reviewed the complaint and our system I do show we spoke to the consumer for the first time on 1/23/ The consumer advised us that the amount being billed was being disputed We updated the consumer's address info per request and forwarded the account to our dispute resolution department We confirmed the charges with our client and verified their accuracy On 1/30/we mailed a dispute response to the consumer along with documentation received from our client We did receive another letter from the consumer on 2/9/indicating the account was still in dispute We mailed a letter back to the consumer again on 2/13/still confirming the balance due as accurate That letter was mail returned to us but we confirmed it matched the information the consumer had given us On 4/6/we sent another letter, this time with an apartment number that we had not been provided before On 4/28/we received a letter from the consumer stating he wanted to settle the debt because he was returning to China On 7/17/we received notification from our client that consumer was requesting a settlement of his account Our client advised us that they would not be accepting any settlements as the balance is due and accurate Our client also stated that the consumer was claiming other people were named on the lease but they only show the consumer's name We can send out another validation to the consumer, showing the lease and charges added We are not able to accept a settlement on this account I hope this will resolve the consumer's concerns Please let us know if we may be of further assistance Thank you!
Initial Business Response / [redacted] (1000, 5, 2015/08/05) */ Contact Name and Title: [redacted] ***-Acct Srvcs Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @consumercollection.com Thank you for advising us of this consumer's concernsI have reviewed the complaint and our systemWe spoke to the consumer on 12/8/and he gave us credit card information to process $per month on the 15th of each month beginning 12/15/We processed this payment each month until it was declined on 3/15/as an invalid card numberWe then spoke to the consumer again on 5/2/and were provided with new credit card info to continue payments of $on the 15th of each monthThese ran until the consumer called us on 7/22/and requested that we stop the payments His card info has been removed from our system and no further payments will be processed without his authorizationWe will accept any payments that the consumer can make in the future I hope this will resolve this complaintPlease let us know if we can be of further assistanceThank you!
Thank you for advising us of this consumer's concerns I have reviewed the complaint and our system The only address we have on file is the one the consumer provided as his in the complaint If that is also his father's address we are unaware I have noted our account that the consumer doesn't agree with the balance We would be happy to provide him with debt validation if he would like He may call our office and provide the address he wants it sent to I have noted our account to not make any future phone calls to the consumer Please let us know if we may be of further assistance Thank you
Thank you for advising us of this consumer's concerns We have reviewed her comments and our notes The account has now been closed in our office and she will have no further contact from us regarding this account The consumer may contact our office if she has any further questions or concerns Thank you
Thank you for advising us of this consumer's concerns I have reviewed the account in our system We received a call from the consumer on 10/4/requesting the paid in full letter be faxed The same day it was typed On 10/6/we faxed the letter per the consumer's request and received confirmation that it went thru We had no way of knowing that the letter wasn't received by the consumer She called our office again on 10/12/demanding another letter be sent Another letter was typed and faxed on 10/ I will have another letter mailed to the consumer at the address she provided on this complaint I hope this will resolve the consumer's complaint Thank you