Cornerstone Credit Services LLC

This is a communication from a debt collector and any information obtained may be used for that purposeThis message may contain confidential and/or nonpublic personal information and is intended solely for the resolution of a complaint forwarded to “Cornerstone Credit Services, LLC” (CCS) by the “Revdex.com” (Revdex.com)Dissemination, distribution, copying or disclosure of this information to a third party in any form including but not limited to publishing consumer information on the internet is strictly prohibitedMay 24, Revdex.com Case ID: [redacted] Thank you for the opportunity to respond to the complaint filed by [redacted] (“Mr [redacted] ”) on May 14, On May 8, 2017, Mr [redacted] contacted Cornerstone with questions regarding his accountsHe requested documentation for specific accounts ( [redacted] & [redacted] ) and informed the representative that he had recently moved to Colorado, updating his address on the callDue to specific licensing requirements in the State of Colorado, the aforementioned accounts referenced above have been returned to the original creditorsAny information originally transmitted to the credit bureau has been processed for deletionIn closing, if Mr [redacted] should have any further questions regarding his accounts or this response, he can contact me directly at [redacted] or toll-free at 1-877-375-Sincerely, Jeremy R [redacted] Director of Collections

Complaint: [redacted] I am rejecting this response because:On this phone call on August 13th they mentioned that they would send the letter which they didHowever I said on the call I would not resolve this case until I saw the account removed from all three bureaus of my credit reportI am still waiting for this to happen so cannot resolve this at this time.Sincerely, [redacted] ***

August 24, Revdex.com Case ID: [redacted] Thank you for the opportunity to respond to the complaint filed by [redacted] (“Mr***”) on August 13, After reviewing Mr ***’s complaint and desired settlement, I contacted him by telephone on August 13, to make sure all his questions and concerns would be resolved Seeing a portion of Mr***’s complaint was addressed to the original client ( [redacted] it would have been inappropriate to speak on their behalf through this responseThe account (***# [redacted] ) was listed into collections on March 16, The validation letter was mailed out on March 17, Our first verbal communication with Mr [redacted] was on April 15, 2015, at which time he verbally disputed the account Mr [redacted] was mailed the documentation for the account on May 1, The account was reported to the credit bureau as an unpaid, disputed collection account on June 1, The account was processed for credit deletion on August 3, and payment in full was received in our office on August 7, On August 13, 2015, a representative telephoned Mr [redacted] to notify him that his account would be updated to the credit bureau as paid in full only This misinformation ultimately caused Mr [redacted] to file the complaint As an acknowledgment of the above, Cornerstone mailed out a paid in full letter to Mr [redacted] on August 14, In summary, Cornerstone has processed credit bureau deletion for the account and has mailed Mr [redacted] a paid in full letterCornerstone trusts this response answers any questions your office has regarding Mr***’s complaint If you have any other questions, or require any other information, please contact the undersignedIn closing, if Mr [redacted] should have any further questions regarding his account or this response, he can contact me directly at [redacted] or toll-free at [redacted] Sincerely, Jeremy R [redacted] Director of CollectionsThis is a communication from a debt collector and any information obtained may be used for that purposeThis message may contain confidential and/or nonpublic personal information and is intended solely for the resolution of a complaint forwarded to “Cornerstone Credit Services, LLC” (CCS) by the “Revdex.com” (Revdex.com)Dissemination, distribution, copying or disclosure of this information to a third party in any form including but not limited to publishing consumer information on the internet is strictly prohibited

This is a communication from a debt collector and any information obtained may be used for that purposeThis message may contain confidential and/or nonpublic personal information and is intended solely for the resolution of a complaint forwarded to “Cornerstone Credit Services, LLC” (CCS) by the “Revdex.com” (Revdex.com)Dissemination, distribution, copying or disclosure of this information to a third party in any form including but not limited to publishing consumer information on the internet is strictly prohibitedOctober 14, Revdex.com Case ID: [redacted] Thank you for the opportunity to respond to the complaint filed by [redacted] (“Ms***”) on October 11, Ms***’s complaint states that she had a delinquent cell phone bill, paid directly to our client over a year ago and that Cornerstone placed a “finders fee” on the accountThis account balance is showing as unpaid on her credit and she request it be removedThe account in question was referred to Cornerstone Credit Services, (“Cornerstone”) on July 16, with a principle balance owing of $Interest, not a “finders fee”, began accruing on the account as of the date it was referred to collectionThe interest stopped accruing when the principle payment was reported to CornerstoneGenerally, the interest accrued on accounts listed to collections remains owing, however there were extenuating circumstances with this accountCornerstone will, out of courtesy, waive the outstanding interestIn summary, Cornerstone will waive the accrued interest and will report the account to the credit bureau as paid in fullIn closing, if Ms [redacted] should have any further questions regarding her account or this response, she can contact me directly at 907-770-8120, or toll-free at 1-877-375-Sincerely, Jeremy R [redacted] Director of Collections

This is a communication from a debt collector and any information obtained may be used for that purposeThis message may contain confidential and/or nonpublic personal information and is intended solely for the resolution of a complaint forwarded to “Cornerstone Credit Services, LLC” (CCS) by the “Revdex.com” (Revdex.com)Dissemination, distribution, copying or disclosure of this information to a third party in any form including but not limited to publishing consumer information on the internet is strictly prohibited May 16, Revdex.com Case ID: [redacted] [redacted] Thank you for the opportunity to respond to the complaint filed by [redacted] (“Mr [redacted] ”) on May 6, On March 29, 2017, Mr [redacted] contacted Cornerstone with questions regarding his account It was agreed that Cornerstone would contact our client and provide answers to the questions Mr [redacted] had about insurance/payment coverage Cornerstone also agreed to send Mr [redacted] the documentation for his account Cornerstone did communicate with our client and we do have the necessary documentation to validate the debt The employee who handled the call on March 29, no longer works for CornerstoneHe did not make his manager aware of the account and required follprior to leaving the Company The unpaid account was reported to the credit bureau on May 1, Cornerstone erred in the timing of reporting the accountThe account was processed for deletion on May 10, We apologize for this error and have taken steps to improve the handling of this type of issue In summary, Cornerstone has mailed out the necessary documentation to validate the account directly to Mr [redacted] The account has been processed for credit deletion In closing, if Mr [redacted] should have any further questions regarding his account or this response, he can contact me directly at 907-770-8120, or toll-free at 1-877-375- Sincerely, Jeremy R [redacted] Director of Collections

August 14, Revdex.com Case ID: [redacted] Thank you for the opportunity to respond to the complaint filed by [redacted] (Mrs [redacted] ) on August 6, 2015, and received by Cornerstone Credit Services (Cornerstone) via email on August 6, Due to system upgrades I was not able to open the complaint until today, August 14, This is a communication from a debt collector and any information obtained may be used for that purposeThis message may contain confidential and/or nonpublic personal information and is intended solely for the resolution of a complaint forwarded to “Cornerstone Credit Services, LLC” (CCS) by the “Revdex.com” (Revdex.com)Dissemination, distribution, copying or disclosure of this information to a third party in any form including but not limited to publishing consumer information on the internet is strictly prohibited.After reviewing the complaint and desired settlement, I contacted Mrs [redacted] via telephone and apologized for the alleged errors made by our office Mrs [redacted] should have not had to place a complaint with the Revdex.com in order for this matter to have been brought to my attention.Cornerstone has processed the account for credit bureau deletion and we are currently taking steps to having the interest amount of $mailed back to Mrs [redacted] We are also mailing Mrs [redacted] a paid in full statement and a copy of the credit deletion request, processed todayIn closing, we apologize if this matter has caused Mrs [redacted] any inconvenience If there should be any future questions regarding this matter please contact me directly toll free at [redacted] Sincerely, Jeremy R [redacted] Director of Collections

Cornerstone did not receive the original complaint on 10/07/and would like an additional days to respond Sincerely, [redacted] Director of Collections

This is a communication from a debt collector and any information obtained may be used for that purposeThis message may contain confidential and/or nonpublic personal information and is intended solely for the resolution of a complaint forwarded to “Cornerstone Credit Services, LLC” (CCS) by the “Revdex.com” (Revdex.com)Dissemination, distribution, copying or disclosure of this information to a third party in any form including but not limited to publishing consumer information on the internet is strictly prohibited July 26, Revdex.com Case ID: [redacted] Thank you for the opportunity to respond to the complaint filed by [redacted] (“Mr***”) on July 19, Mr [redacted] complaint states that he had a verbal agreement with Cornerstone Credit Services, (“Cornerstone”) that everything would be removed from his credit report when it was paid in full and that his desired settlement to this complaint would be to have the account removed It should be noted that during every verbal conversation our collection staff has with a consumer or third party, we advise them that calls may be monitored and or recorded This feature was helpful in determining the course of our response The account referenced in the complaint was listed to our office on February 27, and was paid by Mr [redacted] mother [redacted] on February 29, 2016, more than a year after it was originally listed [redacted] had responded to a reminder letter Cornerstone had sent addressed to Mr*** Unfortunately when [redacted] called our office, seeing she was not listed as a point of contact for Mr***, the collection representative could not disclose any information to her about the unpaid accounts listed on the letter she had opened For the convenience of the consumer, our payment website is also listed on the letter Due to not being able to assist [redacted] any further, [redacted] ended the call with us and ended up paying the accounts through the website listed on the letter “I just want to make the payment, he (Nathaniel) is at work and you’ll be closed before he gets off work” On July 19, Mr [redacted] contacted our office with questions regarding the account on his credit “I paid off a balance with you guys awhile ago and was just seeing if there is any way to have it removed from my report as well” After being advised that paid in full accounts are reported to the credit bureau as paid, Mr [redacted] responded “why are there other companies that remove items from credit reporting after they are paid?” The answer is simple Cornerstone like other data furnishers are to abide by their credit bureau agreement which states that paid in full accounts should be reported as “paid in full” and that our company does not take part in the process known as credit bartering This is considered a bad practice and is prohibited After speaking with the collection representative and her supervisor, Mr [redacted] ended the call In summary, Cornerstone believes that the communication, both with Mr [redacted] and his mother [redacted] was professional, clear and under no circumstance misleading Cornerstone trusts this response answers any questions your office has regarding Mr [redacted] complaint If you have any other questions, or require any other information, please contact the undersigned In closing, if Mr [redacted] should have any further questions regarding his account or this response, he can contact me directly at 907-770-8120, or toll-free at 1-877-375- Sincerely, Jeremy R [redacted] Director of Collections

This is a communication from a debt collector and any information obtained may be used for that purposeThis message may contain confidential and/or nonpublic personal information and is intended solely for the resolution of a complaint forwarded to “Cornerstone Credit Services, LLC” (CCS) by the “Revdex.com” (Revdex.com)Dissemination, distribution, copying or disclosure of this information to a third party in any form including but not limited to publishing consumer information on the internet is strictly prohibited September 22, Revdex.com Case ID: [redacted] [redacted] Thank you for the opportunity to respond to the complaint filed by [redacted] (“Mrs [redacted] ”) on August 24, Cornerstone Credit Services (“Cornerstone”) received the complaint via email on August 24, Cornerstone has received no less than recorded messages and or direct contact from Mrs [redacted] since March Upon each request made, Cornerstone has mailed out a statement of accounts A statement was most recently requested on August 7, and it was mailed out on August 8, Cornerstone has thoroughly reviewed every account that has been listed into our office for collections with Mrs [redacted] on multiple occasionsOur most recent communication with Mrs [redacted] was on August 24, Due to the high volume of calls and messaged placed to our office, I handled the call directlyMrs [redacted] has requested a copy of who she owes as her desired settlement Cornerstone will mail a statement today, September 22, I ask that if Mrs [redacted] has any questions regarding the statement that she contact me directly In summary, Cornerstone has thoroughly reviewed each account that has been listed in our office for collections with Mrs [redacted] Due to the high volume of calls and recorded messages from Mrs [redacted] , Cornerstone requests that any future calls be made to the Director of Collections Lastly, Cornerstone will mail a statement of accounts out to Mrs [redacted] today Cornerstone trusts this response answers any questions your office has regarding Mrs [redacted] ’s complaint If you should have any other questions, or require any other information, please contact the undersignedSincerely, Jeremy R [redacted] Director of Collections

This is a communication from a debt collector and any information obtained may be used for that purposeThis message may contain confidential and/or nonpublic personal information and is intended solely for the resolution of a complaint forwarded to “Cornerstone Credit Services, LLC” (CCS) by the “Revdex.com” (Revdex.com)Dissemination, distribution, copying or disclosure of this information to a third party in any form including but not limited to publishing consumer information on the internet is strictly prohibited April 20, Revdex.com Case ID: [redacted] [redacted] Thank you for the opportunity to respond to the complaint filed by [redacted] (“Mr***”) on April 11, I had the opportunity to speak with Mr [redacted] today regarding his complaint I advised him that our office had mailed documentation for the account to the address he had listed within his complaint After speaking with Mr***, he decided to pay the account in fullIn response, Cornerstone will mail him a letter stating the account is paid in full as well as expedite an update to all three credit bureaus, reporting that the account had been paid Cornerstone will also send a copy of the credit bureau update to Mr*** In closing, if Mr [redacted] should have any further questions regarding this response, he may contact me directly at 907-770-8120, or toll-free at 1-877-375- Sincerely, Jeremy R [redacted] Director of Collections

This is a communication from a debt collector and any information obtained may be used for that purposeThis message may contain confidential and/or nonpublic personal information and is intended solely for the resolution of a complaint forwarded to “Cornerstone Credit Services, LLC” (CCS) by the “Revdex.com” (Revdex.com)Dissemination, distribution, copying or disclosure of this information to a third party in any form including but not limited to publishing consumer information on the internet is strictly prohibitedAugust 16, Revdex.com Case ID: [redacted] [redacted] Thank you for the opportunity to respond to the complaint filed by [redacted] (“ [redacted] ”) on August 8, [redacted] ’s complaint states that he disputed a bill directly with Cornerstone Credit Services (“Cornerstone”), and that in return was notified that Cornerstone could not find him or his account in collections On August 2, Cornerstone received a dispute letter via fax from telephone number [redacted] The area code connects to Los Angeles, California and the surrounding area The written dispute contained a return address for the consumer that did not entirely match that of our records The contents of the letter were found to be nearly identical to similar letters received from other (unrelated) consumers Therefore, Cornerstone had reason to believe that the dispute letter was submitted from a credit repair organization and not directly from [redacted] In response to the letter, Cornerstone informed [redacted] in writing on August 3, 2017, that we received the dispute but would not be performing an investigation Cornerstone did, however, identify the disputed account within the company’s collection system and processed the account as disputed to the credit bureau on August 2, [redacted] ’s complaint contained an address and telephone number that matched our company records Cornerstone has received the account documentation from General Communication Incand has mailed this documentation to the return address listed in [redacted] ’s complaint In summary, Cornerstone has processed the account as disputed with the credit bureau and has mailed out the account documentation to [redacted] In closing, if [redacted] should have any further questions regarding his account or this response, he may contact me directly at [redacted] , or toll-free at 1-877-375- Sincerely, Jeremy R [redacted] Director of Collections

This is a communication from a debt collector and any information obtained may be used for that purpose. This message may contain confidential and/or nonpublic personal information and is intended solely for the resolution of a complaint forwarded to “Cornerstone Credit Services, LLC” (CCS) by the... “RevDex.com” (BBB). Dissemination, distribution, copying or disclosure of this information to a third party in any form including but not limited to publishing consumer information on the internet is strictly prohibited. September 4, 2015 RevDex.com Case ID: [redacted] *** Thank you for the opportunity to respond to the complaint filed by [redacted] (“Mr. ***”) on September 1, 2015. Mr. ***’s complaint states that he was treated unprofessionally and in a disrespectful way by one of our representatives. Additionally, Mr. [redacted] states that he has been paying faithfully every month all he could afford. Mr. [redacted] current balance with interest is $6948.58. His most recent payment of $100 was posted to his account on September 1, 2015. Other than missed payments for July and August 2015, Mr. [redacted] has made regular and consistent payments for years. Our representatives may suggest a portion of the annual Alaska Permanent Fund Dividend (PFD) be applied towards a consumer’s indebtedness; however, this is voluntary on the part of the consumer. It is not our policy to require a portion of the PFD be used for repayment of a debt. We apologize for the communication with Mr. [redacted] and our office regarding this matter. Please be assured that Cornerstone takes this complaint, and any consumer complaint, very seriously. Mr. [redacted] may continue to make his regular monthly payments as he has done. In summary, Cornerstone apologizes for the unprofessionalism received from our collection representative. Consumer complaints are investigated promptly, thoroughly, and dealt with appropriately. Cornerstone trusts this response answers any questions your office has regarding Mr. ***’s complaint. If you have any other questions, or require any other information, please contact the undersigned. In closing, if Mr. [redacted] should have any further questions regarding his account or this response, he can contact me directly at [redacted] , or toll-free at [redacted] Sincerely, Jeremy R [redacted] Director of Collections

This is a communication from a debt collector and any information obtained may be used for that purposeThis message may contain confidential and/or nonpublic personal information and is intended solely for the resolution of a complaint forwarded to “Cornerstone Credit Services, LLC” (CCS) by the
“Revdex.com” (Revdex.com)Dissemination, distribution, copying or disclosure of this information to a third party in any form including but not limited to publishing consumer information on the internet is strictly prohibited August 14, Revdex.com Case ID: *** *** ** *** Thank you for the opportunity to respond to the complaint filed by *** *** (“*** ***”) on August 7, I had the privilege to speak to *** *** directly on August 7, 2017. Cornerstone appreciates *** *** willingness to serve our Country and recognizes the sacrifices made with such service. *** *** fulfilled his commitment by paying for the cable services and returning the necessary equipment, which paid his account in full. Unfortunately, there was a delay in the communication with our client and the credit adjustment for the equipment that was returned. We apologize for this delay and for the way our staff handled the processing of his account. Due to this untimely delay Cornerstone has deleted the account (***) from the credit bureau. In addition, a paid in full letter referencing the account and credit deletion was mailed to *** *** on August 7, 2017. In summary, Cornerstone processed the account for credit deletion and mailed out a paid in full letter to *** *** In closing, if *** *** should have any further questions regarding his account or this response, he may contact me directly at ***, ortoll-free at 1-877-375- Sincerely, Jeremy R*** Director of Collections

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

This is a communication from a debt collector and any information obtained may be used for that purposeThis message may contain confidential and/or nonpublic personal information and is intended solely for the resolution of a complaint forwarded to “Cornerstone Credit Services, LLC” (CCS) by the
“Revdex.com” (Revdex.com)Dissemination, distribution, copying or disclosure of this information to a third party in any form including but not limited to publishing consumer information on the internet is strictly prohibited January 11, Revdex.com Case ID: *** *** *** Thank you for the opportunity to respond to the complaint filed by *** *** (“Mr***”) on January 3, Mr*** complaint states that he found an account on his credit that was not his and when contacting Cornerstone the representatives assisting him suggested he pay the account I had an opportunity to speak directly to Mr*** on January 8, 2017, after receiving the complaint which contained his phone number and current address. On January 3, at 8:30am Mr*** telephoned Cornerstone stating the account on his credit was not hisHe refused to provide Cornerstone a phone number to contact him at with our findingsOn that same day at approximately 4:30pm the account was cancelled from our office due to lack of sufficient indentifying information and it was processed for credit deletion. During our conversation Mr*** requested a copy of the credit deletion form and a letter notifying him that the account did not belong to him. These items have been mailed to the address contained in his complaint In response Mr*** claim that during a telephone call Cornerstone suggested that he pay for an account that was not hisThe call recordings were reviewed and at no time after Mr*** indicated that the account was for a different person with the same name was it suggested he pay the account. Mr*** was advised that Cornerstone would issue a request to the client in order to receive additional indentifying information for the account In summary, Cornerstone cancelled the account out of collections, processed the account for credit deletion and mailed Mr*** a letter indicating he is not responsible for the account In closing, if Mr*** should have any further questions regarding this matter or this response, he may contact me directly at 907-770-8120, or toll-free at 1-877-375- Sincerely, Jeremy R*** Director of Collections

This is a communication from a debt collector and any information obtained may be used for that purposeThis message may contain confidential and/or nonpublic personal information and is intended solely for the resolution of a complaint forwarded to “Cornerstone Credit Services, LLC” (CCS) by the
“Revdex.com” (Revdex.com)Dissemination, distribution, copying or disclosure of this information to a third party in any form including but not limited to publishing consumer information on the internet is strictly prohibitedMay 24, Revdex.com Case ID: *** *** *** *** Thank you for the opportunity to respond to the complaint filed by *** *** *** (“Mr***”) on May 14, On May 8, 2017, Mr*** contacted Cornerstone with questions regarding his accountsHe requested documentation for specific accounts (*** & ***) and informed the representative that he had recently moved to Colorado, updating his address on the callDue to specific licensing requirements in the State of Colorado, the aforementioned accounts referenced above have been returned to the original creditorsAny information originally transmitted to the credit bureau has been processed for deletionIn closing, if Mr*** should have any further questions regarding his accounts or this response, he can contact me directly at *** or toll-free at 1-877-375-Sincerely, Jeremy R*** Director of Collections

This is a communication from a debt collector and any information obtained may be used for that purposeThis message may contain confidential and/or nonpublic personal information and is intended solely for the resolution of a complaint forwarded to “Cornerstone Credit Services, LLC” (CCS) by the
“Revdex.com” (Revdex.com)Dissemination, distribution, copying or disclosure of this information to a third party in any form including but not limited to publishing consumer information on the internet is strictly prohibitedMarch 9, Revdex.com Case ID: *** *** *** Thank you for the opportunity to respond to the complaint filed by *** *** (“Mr***”) on February 21, I had the opportunity to speak with Mr*** on March 1, regarding his complaint. Cornerstone was waiting for the necessary documentation in order to validate the amount owed in collections. That documentation which was received by Cornerstone on March 7th and has been mailed to the address listed in Mr***’s complaint. Cornerstone has deleted reporting of the account from the credit bureauIn closing, if Mr*** should have any further questions regarding his account or this response, he may contact me directly at 907-770-8120, or toll-free at1-877-375-Sincerely, Jeremy R*** Director of Collections

This is a communication from a debt collector and any information obtained may be used for that purpose. This message may contain confidential and/or nonpublic personal information and is intended solely for the resolution of a complaint forwarded to “Cornerstone Credit Services, LLC” (CCS) by the...

“Revdex.com” (Revdex.com). Dissemination, distribution, copying or disclosure of this information to a third party in any form including but not limited to publishing consumer information on the internet is strictly prohibited. October 14, 2016 Revdex.com Case ID: [redacted] Thank you for the opportunity to respond to the complaint filed by [redacted] (“Ms. [redacted]”) on October 11, 2016. Ms. [redacted]’s complaint states that she had a delinquent cell phone bill, paid directly to our client over a year ago and that Cornerstone placed a “finders fee” on the account. This account balance is showing as unpaid on her credit and she request it be removed. The account in question was referred to Cornerstone Credit Services, (“Cornerstone”) on July 16, 2013 with a principle balance owing of $342.08. Interest, not a “finders fee”, began accruing on the account as of the date it was referred to collection. The interest stopped accruing when the principle payment was reported to Cornerstone. Generally, the interest accrued on accounts listed to collections remains owing, however there were extenuating circumstances with this account. Cornerstone will, out of courtesy, waive the outstanding interest. In summary, Cornerstone will waive the accrued interest and will report the account to the credit bureau as paid in full. In closing, if Ms. [redacted] should have any further questions regarding her account or this response, she can contact me directly at 907-770-8120, or toll-free at 1-877-375-8100. Sincerely, Jeremy R[redacted] Director of Collections

Complaint: [redacted]I am rejecting this response because:On this phone call on August 13th 2015 they mentioned that they would send the letter which they did. However I said on the call I would not resolve this case until I saw the account removed from all three bureaus of my credit report. I am still waiting for this to happen so cannot resolve this at this time.Sincerely,[redacted]

This is a communication from a debt collector and any information obtained may be used for that purpose. This message may contain confidential and/or nonpublic personal information and is intended solely for the resolution of a complaint forwarded to “Cornerstone Credit Services, LLC” (CCS) by the...

“Revdex.com” (Revdex.com). Dissemination, distribution, copying or disclosure of this information to a third party in any form including but not limited to publishing consumer information on the internet is strictly prohibited.
 
July 26, 2016
 
Revdex.com Case ID: [redacted] [redacted]
 
Thank you for the opportunity to respond to the complaint filed by [redacted] (“Mr. [redacted]”) on July 19, 2016.
 
Mr. [redacted] complaint states that he had a verbal agreement with Cornerstone Credit Services, (“Cornerstone”) that everything would be removed from his credit report when it was paid in full and that his desired settlement to this complaint would be to have the account removed.
 
It should be noted that during every verbal conversation our collection staff has with a consumer or third party, we advise them that calls may be monitored and or recorded.  This feature was helpful in determining the course of our response.
 
The account referenced in the complaint was listed to our office on February 27, 2015 and was paid by Mr. [redacted] mother [redacted] on February 29, 2016, more than a year after it was originally listed.  [redacted] had responded to a reminder letter Cornerstone had sent addressed to Mr. [redacted].  Unfortunately when [redacted] called our office, seeing she was not listed as a point of contact for Mr. [redacted], the collection representative could not disclose any information to her about the unpaid accounts listed on the letter she had opened.  For the convenience of the consumer, our payment website is also listed on the letter.  Due to not being able to assist [redacted] any further, [redacted] ended the call with us and ended up paying the accounts through the website listed on the letter.  “I just want to make the payment, he (Nathaniel) is at work and you’ll be closed before he gets off work”.
 
On July 19, 2016 Mr. [redacted] contacted our office with questions regarding the account on his credit.  “I paid off a 
balance with you guys awhile ago and was just seeing if there is any way to have it removed from my report as well”.  After being advised that paid in full accounts are reported to the credit bureau as paid, Mr. [redacted] responded “why are there other companies that remove items from credit reporting after they are paid?”  The answer is simple.  Cornerstone like other data furnishers are to abide by their credit bureau agreement which states that paid in full accounts should be reported as “paid in full” and that our company does not take part in the process known as credit bartering.  This is considered a bad practice and is prohibited.
 
After speaking with the collection representative and her supervisor, Mr. [redacted] ended the call.
 
In summary, Cornerstone believes that the communication, both with Mr. [redacted] and his mother [redacted] was professional, clear and under no circumstance misleading.
 
Cornerstone trusts this response answers any questions your office has regarding Mr. [redacted] complaint.  If you have any other questions, or require any other information, please contact the undersigned.
 
In closing, if Mr. [redacted] should have any further questions regarding his account or this response, he can contact me directly at 907-770-8120, or toll-free at 1-877-375-8100.
 
Sincerely,
 
Jeremy R[redacted]
Director of Collections