Credit Control LLC

This company is the absolute worseThe workers are unprofessional and liarsLike most,when I was in college I made a poor choice in getting a credit cardIt ended up with this agencyI spoke to one agent inquiring about online payments they explained my log in wrong timesAfter the fourth "oh maybe you should try xyz" it worked I hung up and that was allI never agreed to make a payment that day or any other day as I do not like to make payment arrangements due to my inconsistency in paychecks at that timeI recorded this conversationSince that day I haven't spoken with another representative conducting all by payments onlinemonths later after making payments when I can (5/months) various amounts ranging from $- $I receive a letter stating I have not made my payment as of x dollars as promised by x dateI don't know if Charla [redacted] thinks she can bully me into a payment plan I've never agreed upon but it will not happenI will follow up this complaint with a formal complaint as wellThis will not and should not be toleratedMaybe it's worked for her in the past, but it stops here

August 12, Revdex.com Serving Eastern Missouri & Southern Illinois NBroadway, Suite StLouis, MO Complaint ID #: [redacted] Dear Complaint Resolution Department: We are in receipt of your letter of August 5, 2016, forwarding us the complaint filed with your office by Ms [redacted] We do not have a file in our office under the name [redacted] I was however able to locate the phone number Ms [redacted] listed in her complaint as her "daytime number" ending in ***, which we had listed as a contact number for another party with the same last nameAs a result, we have now removed this number from our system so that Ms [redacted] should receive no further calls from Credit Control, LLCIf you or Ms [redacted] have any questions or wish to discuss this matter further please feel free to call us at your convenience at [redacted] and ask for [redacted] , the Director of Operations at that location who will be happy to assist you Sincerely, [redacted] Director of Compliance

We are in receipt of your email of August 23, 2017, forwarding us a copy of the complaint filed with your office by [redacted] *** Upon receipt of your correspondence we documented this complaint and began our investigation into the concerns raised by the consumer In reviewing the consumer's complaint, it was clear there may be some confusion on the part of the consumer as to who we are, and what this account is in reference to Upon receipt we forwarded a copy to [redacted] Capital Services, the current creditor, to make them aware of the consumer's concerns In addition, we have closed our file on this consumer's accounts, and returned them to our client Credit Control, LLC will perform no further collection activity with regard to these accounts, and will not communicate further with the consumer

Attached is our response Thank you,

Upon receipt of this compliant, I reached out to Mr [redacted] by phone to try to get more information, as I was unable to locate any account on our system under his name Mr [redacted] advised me that he and his grandmother had already touched base with all of the companies they needed to speak with, and it appears that they may have been trying to reach a different company I advised Mr [redacted] that if he does come across anything which leads him to believe that he needs to speak to us that he can contact us directly and we'll be happy to assist him further

Initial Business Response / [redacted] (1000, 5, 2015/08/11) */ August 11, Revdex.com Eastern Missouri & Southern Illinois RE: [redacted] Complaint Number: XXXXXXX To Whom It May Concern, Your complaint dated August 4, 2015, regarding the above referenced matter, has been referred to me for review and response After reviewing the complaint, a request has been made to our client for documentation to support the balance remaining on Mr [redacted] 's Fingerhut account This information, and a more complete response to Mr [redacted] 's complaint, will be provided once the requested documentation has been received by Credit Control, LLC As a result of receiving Mr [redacted] 's complaint, according to our company policy, we placed Mr [redacted] 's account in a do not call status, ceasing all collection efforts If you need any further information you may contact us at (XXX) XXX-XXXX Sincerely, [redacted] Compliance Coordinator Credit Control, LLC Federal law requires that we disclose that Credit Control, LLC is a debt collectorHowever, this communication is not an attempt to collect a debt; this communication is made for the limited purpose of responding to the above-referenced complaint

Initial Business Response / [redacted] (1000, 5, 2015/07/21) */ July 21, Revdex.com Eastern Missouri & Southern Illinois RE: [redacted] Complaint Number: XXXXXXX To Whom It May Concern, Your complaint dated July 16, regarding the above referenced matter, has been referred to me for review and response A thorough investigation has been done in regards to Ms [redacted] complaintOur representative advised Ms [redacted] on June 18, that a letter could be sent days, after her payment has been postedAs a result of Ms [redacted] complaint, a letter of satisfaction has been sent out to the address we have on file If you need any further information you may contact us at (XXX) XXX-XXXX Sincerely, [redacted] Compliance Coordinator Credit Control, LLC Federal law requires that we disclose that Credit Control, LLC is a debt collectorHowever, this communication is not an attempt to collect a debt; this communication is made for the limited purpose of responding to the above-referenced complaint

I have been receiving several calls from a company named Credit Control LLC which is announcing themselves as a debt collectorThey have provided no explanation, however, as to what specifically they are calling about or any information in writing surrounding what debt they believe is overdue or owed I have verified with all current lenders that I have no debts in collection or overdue, and have also verified on my credit reports that no lenders or creditors are reporting any debts past due or owed I have also filed a complaint with the FTC to make these phone calls stop as I believe this may be some type of scam or shell company operation that is seeking to gather identity information from me for the purpose of identity theft

July 31, Revdex.com Eastern Missouri & Southern Illinois RE: [redacted] Complaint Number: XXXXXXX To Whom It May Concern, Your complaint dated July 29, regarding the above referenced matter, has been referred to me for review and response Credit Control conducted a thorough investigation into your complaint and found that Credit Control, LLC did make five calls to [redacted] in a two month time frameIt is also correct that the account is beyond the statute of limitations for this type of debtRegarding, Mr [redacted] 's confusion, please be advised that Credit Control, LLC is not a credit reporting agency and is not in a position to adequately address your concerns regarding this issue As a result of Mr [redacted] 's complaint, [redacted] ***'s account has been placed in an inactive status and returned to our client, and Credit Control, LLC has ceased all collection efforts If you need any further information you may contact us at (XXX) XXX-XXXX [redacted] Compliance Coordinator Credit Control, LLC

I am in collection to this company for a credit card with a fairly large balance The amount claimed includes a large portion of continued late charges and fees etc Despite stating to the creditor who called me at work to "not call me at work again," I'm still receiving calls from [redacted] : I understand this is a violation of the FDCPA Again, this evening, after a very lengthy call in which I repeated they could not call me at work again, I attempted to come to a payment arrangement with themThe question they asked were extremely personal, and I gave all the information they asked foroftentimes, they disputed my answers (further humiliation which was uncalled for)the caller this time was called [redacted] While I repeatedly offered to set up a monthly payment, which, while extended over a long period of time, would eventually pay this debt in whole, the creditor continued demanding a settlement for today, and for a huge amount that I do not haveWhile I e

Initial Business Response / [redacted] (1000, 7, 2015/11/03) */ November 3, Revdex.com Eastern Missouri & Southern Illinois RE: [redacted] Complaint Number: XXXXXXX To Whom It May Concern, Your complaint dated October 19, regarding the above referenced matter, has been referred to me for review and response I apologize that the collector in question was rude to youWe have informed management who will investigate the call, and take appropriate disciplinary action if necessaryIn the meantime, you may contact manager [redacted] directly at XXX-XXX-XXXXIf you would like us to contact you instead, please let us know and we will do so as soon as possible If you need any further information you may contact us at (XXX) XXX-XXXX Sincerely, [redacted] Compliance Coordinator Credit Control, LLC Federal law requires that we disclose that Credit Control, LLC is a debt collectorHowever, this communication is not an attempt to collect a debt; this communication is made for the limited purpose of responding to the above-referenced complaint

Initial Business Response / [redacted] (1000, 5, 2016/02/23) */ February 23, Revdex.com of Eastern Missouri and Southern Illinois Recipient Address NBroadway, Suite StLouis MO XXXXX Revdex.com case # XXXXXXX Re: [redacted] of [redacted] N.A Account Number: Ending in [redacted] Credit Control, LLC File number: XXXXXXXX We are in receipt of the copy of the complaint filed with your office by [redacted] which you forwarded to Credit Control, LLC on 2/17/Upon receipt of this complaint we conducted our internal investigation into the issues raised, and these are our findings A review of the notes of this account as well as the call logs and records associated with this account shows that we never had any contact with Ms [redacted] On February 13, we placed a phone call to the phone number we had listed as [redacted] 's residence numberOn this call we made contact with Ms [redacted] 's father who demanded to know what the call was concerningAs you are no doubt aware Federal law forbids us from disclosing any consumer's personal information to a third party without the consumer's permissionUnfortunately Ms [redacted] 's father was not satisfied with this explanationDespite his continued demands for more information our representative repeatedly explained that we could not disclose any further information without Ms [redacted] 's permissionUpon being told that Ms [redacted] does not live at the phone number we were calling, our representative removed the number from our file As a courtesy, we will request verification of this debt from our client Bank of America, and forward the information to Ms [redacted] in order to provide her with detailed information In addition, we will no longer attempt to reach Ms [redacted] by phoneAll communication from our office will be restricted to writing through the mailOf course if at any time Ms [redacted] has any questions or wishes to discuss this matter further she can feel free to contact our office at XXX-XXX-XXXX and ask for Mr [redacted] the General Manager at that location who will be happy to assist her Sincerely, [redacted] Director of Compliance THIS COMMUNICATION FROM A DEBT COLLECTOR

Initial Business Response / [redacted] (1000, 5, 2016/02/05) */ February 5, Revdex.com Eastern Missouri & Southern Illinois RE: [redacted] Complaint Number: XXXXXXX To Whom It May Concern, Your correspondence dated February 1, regarding the above referenced matter has been referred to me for review and response Our records show that a settled in full letter was mailed on January 11, at 2:p.mto the address we have on file: [redacted] S [redacted] Ave, Chicago, IL XXXXX-XXXXAs a result of Ms***'s complaint, another letter will be sent to her today via UPS We apologize for any inconvenience this may have caused, however Credit Control, LLC has no means of guaranteeing delivery of something sent regular mail via the US Postal Service If you need any further information you may contact me at (XXX) XXX-XXXX [redacted] Compliance Coordinator Credit Control, LLC

I have been paying off a college tuition debt with this company for years I recently noticed that the debt was no longer coming out of my bank account like it always had I have tried numerous time (or 7) to contact this company to get my payments set back up again so I don't have a summery judgement filed against me and have my wages garnished I have both the means and the ability to make payments, and want to Every time my wife or I have called we have been directed to a voicemail box We have left messages every time There has never been a response We have even tried calling [redacted] directly, and the number they transferred us to was always a direct line to a voicemail box as well We would just like to get payments set back up so we can get this debt taken care of Any help that could be given would be greatly appreciated Thank you

We responded to the complainant by sending verification of the debt so complainant can review and resolve At this time there is nothing for us to do until at such time we hear from the complainant

Initial Business Response / [redacted] (1000, 5, 2016/02/01) */ February 1, Revdex.com of Eastern Missouri Dispute Resolution Department [redacted] Ave, [redacted] A [redacted] MO XXXXX Re: [redacted] Account: [redacted] of [redacted] N.A Account #: XXXX XXXX XXXX Credit Control, LLC File number: XXXXXXXX Gentlemen: We are in receipt of your email advising us of the complaint filed with your office by [redacted] L [redacted] , and have conducted our internal investigation into the allegations set forth in his complaint In reviewing the recording of the call which took place on January 19, 2016, we find that the issue stems from the portion of the conversation wherein Mr [redacted] was explaining his dispute of the balance of this account which included a dispute with a merchant which he had earlier lodged through our client [redacted] He explained to our collector Mr [redacted] that [redacted] had credited him for this balance at the time he made his dispute, and that they had also gone to the merchant regarding his dispute who had credited him the money for the disputed amountMr***, in trying to make sure he understood Mr [redacted] 's explanation asked him if the balance then stemmed from the credit or refund being issued twice, essentially "double dipping"Mr [redacted] became quite upset over the question and began using profanity toward Mr***, who at that point forwarded the call to his manager [redacted] Once the call was passed to ***, he asked Mr [redacted] to explain what had taken place, and then advised Mr [redacted] that we would cease collection activity while we put this account into a dispute status with [redacted] He explained that we would get substantiation of the balance of the account and send it to Mr [redacted] before contacting him again regarding this accountMr [redacted] continued to make issue of his conversation with Mr***, feeling as though he was being accused of some kind of wrongdoing, refusing to listen to ***'s explanation that Mr [redacted] was simply asking him a question to make sure he understood what took place With regard to his dispute, as [redacted] explained to Mr [redacted] we will be happy to assist him in resolving his dispute with [redacted] regarding this account [redacted] has informed us that they explained to Mr [redacted] that the merchant has provided proof of this transaction, which is why it appeared back on his account after they had initially credited it to him when he made the disputeIf Mr [redacted] would like more information we would be happy to assist him in reaching out to [redacted] Customer Service for any additional information we can obtain and provide to himWe can be reached at XXX-XXX-XXXX Sincerely, [redacted] Director of Compliance THIS COMMUNICATION IS FROM A DEBT COLLECTOR

I was sent a letter stating that my account was past due and they were authorized to offer me the following options 60% of the current balance or $to be paid in payment on or before 11/13/ 70% of the current balance to be paid in consecutive monthly payments of $to begin no later than on or before 11/13/ 80% of the current balance to be paid in consecutive monthly payments of $to begin no later than on or before 11/13/ "Upon completion of one of the above and clearance through the banking system, your account will be considered settled." I opted to use the first option and sent a check for $on 11/9/ I received a letter telling me that I owed $more dollars to Credit Control,LLCIf my account was settled why do I owe $is my question I have gotten no satisfactory answer from the Agency

We are in receipt of your correspondence of August 4, through the Revdex.com Complaint Portal, forwarding us a copy of the complaint filed with your office by Ms [redacted] Upon receipt of your correspondence we documented Ms [redacted] 's dispute, and forwarded a copy to our client the *** [redacted] In addition, we requested documentation from our client to enable us to respond to Ms [redacted] 's concerns and dispute Upon being notified of Ms [redacted] 's complaint, our client recalled this account from our office As a result, this account was immediately closed on our system Credit Control, LLC will perform no further collection activity and will no longer be communicating with Ms [redacted] with regard to this account Regarding Ms [redacted] 's concerns regarding any credit reporting of this account, please be advised that at no time did Credit Control, LLC ever report this account to any credit reporting agencies Any credit reporting of this account would only be performed by our client Ms [redacted] would need to address any concerns regarding the possible credit reporting of this account directly with our client

Initial Business Response / [redacted] (1000, 5, 2015/07/31) */ July 31, Revdex.com Eastern Missouri & Southern Illinois RE: [redacted] Complaint Number: XXXXXXX To Whom It May Concern, Your correspondence dated July 29, regarding the above referenced matter has been referred to me for review and response In accordance with Credit Control, LLC's Compliance Policy and Procedure, as they relate to ensuring the privacy of customers, a verification process is in place to confirm Credit Control is speaking with the intended party before any private information is disclosedThis process involves confirming the identity of the called party by name, address, and at least a full date of birth and/or the last four digits of the social security number on file In reviewing the voice recording for the conversation referenced by Ms [redacted] , and the agent was going through this verification process, the agent recognized that Ms [redacted] was not the intended party - and in accordance with Credit Control policy as they relate to federal and state laws - the agent ended the conversation so as not to violate the intended party's privacy by revealing the nature of the callThe agent did in fact identify himself by providing his name It is unfortunate that Ms [redacted] finds Credit Control's practice of protecting the privacy of individuals as "suspicious", and as the Revdex.com is aware Credit Control, LLC is a legitimate business entity If you need any further information you may contact me at (XXX) XXX-XXXX [redacted] Compliance Coordinator Credit Control, LLC Federal law requires that we disclose that Credit Control, LLC is a debt collectorHowever, this communication is not an attempt to collect a debt; this communication is made for the limited purpose of responding to the above-referenced complaint

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meThank you most sincerely for addressing this matter I deeply appreciate the time and resources you have allocated to resolving this matter on my behalf Please accept my thanks Most sincerely yours, [redacted]