Dear Ms***: I am responding to your complaint message sent to CCCI on August 21, 2015regarding Ms***'s (aka *** *** *), response to CCC's latest responseAsstated in CCCI's previous letter and attorney *** ***s's letter, CCCI has codedthe account as ''cease & desist." Ms*** can take care of her obligation through*** *** at her convenienceIf you have any questions you may reach me at the number listed above.Very Truly Yours *** * ***, Vice PresidentContinental Central Credit, Inc
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]
I am responding to your 2nd letter dated August 6, 215 regarding a complaint youreceived against Continental Central Credit, Inc., ID # [redacted] from [redacted]aka [redacted]. I have had the opportunity to review the file and the followingappears to be the salient facts. The debt...
referenced above has been assigned to my client by [redacted]sMassanuten on April 10, 2015 for past HOA fees for 2015. Ms. [redacted] failed to pay theHOA fees and the account has been assigned to my client for collections. My client didnot buy this debt and is not a debt buyer. My client is simply collecting the debt onbehalf of the management company and the resort. Ms. [redacted] is more than able tocontact the resort and management company to verify my client's credentials. This office sent Ms. [redacted] validation of the debt regarding her timeshare interestat [redacted]s Massanuten Resort on July 29, 2015. The recorded Deed and an OwnerAccount History Statement was sent to Ms. [redacted] along with my letter and the amountscurrently due and owing. My client is required by law to validate a debt when aconsumer disputes the debt in writing or verbally pursuant to 15 U.S.C. § 1692g of theFair Debt Collection Practices Act. My client has provided verification to the Ms.[redacted] on July 29, 2015. In regards to Ms. [redacted]'s request for a "qualified writtenquestionnaire,'' there is no concomitant obligation to provide a signed writtenquestionnaire or other detailed information that go beyond the scope of "verification ofthe debt." Only the requisite information that is required under the Act (§809. 15 USC§ 1692g), will be provided. The Fourth Circuit Court of Appeals has found there is noduty to comply with such excessive verification demands. Pursuant to the Fair Debt Collection Practices Act, Section 809(b) validatingdebts: "If the consumer notifies the debt collector in writing within the thirty-day perioddescribed in subsection (a) that the debt, or any portion thereof, is disputed, or that theconsumer requests the name and address of the original creditor, the debt collector shallcease collection of the debt, or any dispute portion thereof, until the debt collector obtainsverification of the debt or any copy of a judgment, or the name and address of the originalcreditor, and a copy of such verification or judgment, or name and address of originalcreditor, is mailed to the consumer by the debt collector." My client has complied with the requirements listed above. My client will not respond to Ms. [redacted]'s request for a signed writtenquestionnaire. My client has coded the account as a "dispute," and it will be handled inthat manner. If you have any questions you may reach me at the number listed above.Very Truly Yours [redacted]Attorney at Law
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution. Please respond in this space ONLY] I am not objecting to the debt in question. I am objecting that I have any business with this company and I will not do business with them. [redacted]s can communicate with me personally and we can resolve any business that we have outstanding. i did not sign anything to do business with this company and I will not respond, write, call, or do anything with them. I demand that this company cease and desist from further communication with me via calls, letter, correspondence, emails, etc. I WILL NOT DO BUSINESS WITH THEM. All this company can do is have [redacted] contact me and [redacted]s and I can complete any outstanding business!
Regards,
[redacted]
April 2, 2013[redacted]Revdex.com of San Diego[redacted] Re: Continental Central Credit, Inc. ("CCCI") Owner: [redacted] Response to Revdex.com Complaint submitted March 26, 2015 ID Number: #[redacted]Dear Ms. [redacted]; I am responding...
to your letter dated March. 26, 2015 regarding a complaint youreceived against Continental Central Credit, Inc., ID # [redacted] from Mrs. [redacted]. I have had the opportunity to review the file and the following appears to be thesalient facts. Mrs. [redacted] account was assigned to Continental Central Credit, Inc. on April 04,2014, by our client [redacted], a non-profit Corporation for HomeOwners Association maintenance fees. Continental is a collection agency for various timeshare homeowner associationsthroughout the nation. The majority of these collection accounts are for past dueassessments that homeowners of timeshares owe the associations. One such client is"[redacted]" *s a timeshare owner, Mrs. [redacted] is subject to certainCdnditions, Covenants and Restrictions (CC&R's) that are part of the deed that shereceived when she purchased the time-share, and required her to be a member of anassociation that runs and manages the resort. Mrs. [redacted] is required by the equitableservitude contained in her deed to pay annual fees for the resort.The association sends its invoice for the payment of the annual fees in the lastquarter of the preceding year (usually around November 1st), with the annual fees beingdue on or before January 1st. In the event any member fails to pay the annual fees, his orher interest is suspended until such time as he or she pays the principal sum due, PLUSadditional fees established by the association allowing the cost of collection, and interest to be passed through to the delinquenthomeowner. The Virginia legislature acknowledges that other members of a non-profitcorporation should not bear the burden of a delinquent member's failure to pay his/hershare of the expense. CCCI has been assigned to collect the principal sum of $306.88;interest in the sum of $29.83 and collection costs in the sum o f$102.28. Mrs. [redacted] hasbeen credited the sum of $225.00 for three (3) payments that she has made on December29, 2014; February 6, 2015 and March 9, 2015 at $75.00 monthly payments. The totalamount due and owing is in the sum of $213.99. Mrs. [redacted] was informed by thecollector assigned to collect her account that once all payments have been madeaccording to her scheduled payment arrangement that the interest would be waived oncethe account has been paid, in full. If the owner breaks the payment arrangement, than theinterest would apply until the account has been brought current This is CCCI's standardpractice when initiating a payment arrangement with the consumer. Mrs. [redacted] prior to receiving her complaint filed with the Revdex.com filed a CFPBcomplaint on March 25,2015. CCCI's corporate counsel [redacted] sent Mrs.[redacted] copies of [redacted]'s portions of the CC&R's that explains the charges added tothe delinquent owner's account. In addition, Mr. [redacted] sent Mrs. [redacted] theitemization statement and [redacted]'s collection billing policy. (See attached [redacted] letter sent to Mrs. [redacted] on March 26, 2015). As explained to Mrs. [redacted]in Mr. [redacted] letter, CCCI is only collecting for the past due 2013 HOA fees. Theinterest charges are calculated on the principal amount due at 10% A.P.R. as allowed bylaw. In an effort to resolve this matter, CCCI is willing to accept the sum of $138.10 asfull satisfaction of Mrs. [redacted] 2013 HOA fees that have been assigned to CCCI. I trust that this letter has adequately addresses your concerns, if it does not youmay contact me at the above address and telephone number.Very Truly Yours[redacted], Vice President of OperationsContinental Central Credit, Inc.
May 7, 2015[redacted]Revdex.com of San Diego[redacted] Re: Continent Central Credit, Inc. ("CCCI") Response to Revdex.com Complaint submitted April 29, 2015 ID Number: # [redacted]Dear Ms. [redacted]: I am responding to your letter dated April 30, 2015 regarding a complaint...
youreceived against Continental Central Credit, Inc., ID # [redacted] from [redacted]. I have had the opportunity to review the file and the following appears tobe the salient facts. The phone call Ms. [redacted] received from this office on April 28, 2015 was aphone number listed for another person, not Ms. [redacted]. The collector assigned tothe account realized that the phone number provided by its assignor belongs to anotherconsumer, not Ms. [redacted]. The phone number [redacted] has been deletedfrom the account and Ms. [redacted] should no longer be receiving any more phonecalls or messages. CCCI apologizes for any confusion that this may have caused Ms. [redacted]. If you have any questions you may reach me at the number listed above.Very Truly Yours[redacted], Vice President of OperationsContinental Central Credit, Inc.cc: [redacted] [redacted] [redacted]
Dear Ms***: I am responding to your complaint message sent to CCCI on August 21, 2015regarding Ms***'s (aka *** *** *), response to CCC's latest responseAsstated in CCCI's previous letter and attorney *** ***s's letter, CCCI has codedthe account as ''cease & desist." Ms*** can take care of her obligation through*** *** at her convenienceIf you have any questions you may reach me at the number listed above.Very Truly Yours *** * ***, Vice PresidentContinental Central Credit, Inc
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]
I am responding to your 2nd letter dated August 6, 215 regarding a complaint youreceived against Continental Central Credit, Inc., ID # [redacted] from [redacted]aka [redacted]. I have had the opportunity to review the file and the followingappears to be the salient facts. The debt...
referenced above has been assigned to my client by [redacted]sMassanuten on April 10, 2015 for past HOA fees for 2015. Ms. [redacted] failed to pay theHOA fees and the account has been assigned to my client for collections. My client didnot buy this debt and is not a debt buyer. My client is simply collecting the debt onbehalf of the management company and the resort. Ms. [redacted] is more than able tocontact the resort and management company to verify my client's credentials. This office sent Ms. [redacted] validation of the debt regarding her timeshare interestat [redacted]s Massanuten Resort on July 29, 2015. The recorded Deed and an OwnerAccount History Statement was sent to Ms. [redacted] along with my letter and the amountscurrently due and owing. My client is required by law to validate a debt when aconsumer disputes the debt in writing or verbally pursuant to 15 U.S.C. § 1692g of theFair Debt Collection Practices Act. My client has provided verification to the Ms.[redacted] on July 29, 2015. In regards to Ms. [redacted]'s request for a "qualified writtenquestionnaire,'' there is no concomitant obligation to provide a signed writtenquestionnaire or other detailed information that go beyond the scope of "verification ofthe debt." Only the requisite information that is required under the Act (§809. 15 USC§ 1692g), will be provided. The Fourth Circuit Court of Appeals has found there is noduty to comply with such excessive verification demands. Pursuant to the Fair Debt Collection Practices Act, Section 809(b) validatingdebts: "If the consumer notifies the debt collector in writing within the thirty-day perioddescribed in subsection (a) that the debt, or any portion thereof, is disputed, or that theconsumer requests the name and address of the original creditor, the debt collector shallcease collection of the debt, or any dispute portion thereof, until the debt collector obtainsverification of the debt or any copy of a judgment, or the name and address of the originalcreditor, and a copy of such verification or judgment, or name and address of originalcreditor, is mailed to the consumer by the debt collector." My client has complied with the requirements listed above. My client will not respond to Ms. [redacted]'s request for a signed writtenquestionnaire. My client has coded the account as a "dispute," and it will be handled inthat manner. If you have any questions you may reach me at the number listed above.Very Truly Yours [redacted]Attorney at Law
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution. Please respond in this space ONLY] I am not objecting to the debt in question. I am objecting that I have any business with this company and I will not do business with them. [redacted]s can communicate with me personally and we can resolve any business that we have outstanding. i did not sign anything to do business with this company and I will not respond, write, call, or do anything with them. I demand that this company cease and desist from further communication with me via calls, letter, correspondence, emails, etc. I WILL NOT DO BUSINESS WITH THEM. All this company can do is have [redacted] contact me and [redacted]s and I can complete any outstanding business!
Regards,
[redacted]
April 2, 2013[redacted]Revdex.com of San Diego[redacted] Re: Continental Central Credit, Inc. ("CCCI") Owner: [redacted] Response to Revdex.com Complaint submitted March 26, 2015 ID Number: #[redacted]Dear Ms. [redacted]; I am responding...
to your letter dated March. 26, 2015 regarding a complaint youreceived against Continental Central Credit, Inc., ID # [redacted] from Mrs. [redacted]. I have had the opportunity to review the file and the following appears to be thesalient facts. Mrs. [redacted] account was assigned to Continental Central Credit, Inc. on April 04,2014, by our client [redacted], a non-profit Corporation for HomeOwners Association maintenance fees. Continental is a collection agency for various timeshare homeowner associationsthroughout the nation. The majority of these collection accounts are for past dueassessments that homeowners of timeshares owe the associations. One such client is"[redacted]" *s a timeshare owner, Mrs. [redacted] is subject to certainCdnditions, Covenants and Restrictions (CC&R's) that are part of the deed that shereceived when she purchased the time-share, and required her to be a member of anassociation that runs and manages the resort. Mrs. [redacted] is required by the equitableservitude contained in her deed to pay annual fees for the resort.The association sends its invoice for the payment of the annual fees in the lastquarter of the preceding year (usually around November 1st), with the annual fees beingdue on or before January 1st. In the event any member fails to pay the annual fees, his orher interest is suspended until such time as he or she pays the principal sum due, PLUSadditional fees established by the association allowing the cost of collection, and interest to be passed through to the delinquenthomeowner. The Virginia legislature acknowledges that other members of a non-profitcorporation should not bear the burden of a delinquent member's failure to pay his/hershare of the expense. CCCI has been assigned to collect the principal sum of $306.88;interest in the sum of $29.83 and collection costs in the sum o f$102.28. Mrs. [redacted] hasbeen credited the sum of $225.00 for three (3) payments that she has made on December29, 2014; February 6, 2015 and March 9, 2015 at $75.00 monthly payments. The totalamount due and owing is in the sum of $213.99. Mrs. [redacted] was informed by thecollector assigned to collect her account that once all payments have been madeaccording to her scheduled payment arrangement that the interest would be waived oncethe account has been paid, in full. If the owner breaks the payment arrangement, than theinterest would apply until the account has been brought current This is CCCI's standardpractice when initiating a payment arrangement with the consumer. Mrs. [redacted] prior to receiving her complaint filed with the Revdex.com filed a CFPBcomplaint on March 25,2015. CCCI's corporate counsel [redacted] sent Mrs.[redacted] copies of [redacted]'s portions of the CC&R's that explains the charges added tothe delinquent owner's account. In addition, Mr. [redacted] sent Mrs. [redacted] theitemization statement and [redacted]'s collection billing policy. (See attached [redacted] letter sent to Mrs. [redacted] on March 26, 2015). As explained to Mrs. [redacted]in Mr. [redacted] letter, CCCI is only collecting for the past due 2013 HOA fees. Theinterest charges are calculated on the principal amount due at 10% A.P.R. as allowed bylaw. In an effort to resolve this matter, CCCI is willing to accept the sum of $138.10 asfull satisfaction of Mrs. [redacted] 2013 HOA fees that have been assigned to CCCI. I trust that this letter has adequately addresses your concerns, if it does not youmay contact me at the above address and telephone number.Very Truly Yours[redacted], Vice President of OperationsContinental Central Credit, Inc.
May 7, 2015[redacted]Revdex.com of San Diego[redacted] Re: Continent Central Credit, Inc. ("CCCI") Response to Revdex.com Complaint submitted April 29, 2015 ID Number: # [redacted]Dear Ms. [redacted]: I am responding to your letter dated April 30, 2015 regarding a complaint...
youreceived against Continental Central Credit, Inc., ID # [redacted] from [redacted]. I have had the opportunity to review the file and the following appears tobe the salient facts. The phone call Ms. [redacted] received from this office on April 28, 2015 was aphone number listed for another person, not Ms. [redacted]. The collector assigned tothe account realized that the phone number provided by its assignor belongs to anotherconsumer, not Ms. [redacted]. The phone number [redacted] has been deletedfrom the account and Ms. [redacted] should no longer be receiving any more phonecalls or messages. CCCI apologizes for any confusion that this may have caused Ms. [redacted]. If you have any questions you may reach me at the number listed above.Very Truly Yours[redacted], Vice President of OperationsContinental Central Credit, Inc.cc: [redacted] [redacted] [redacted]