Credit Control LLC

Initial Business Response /* (1000, 5, 2015/07/31) */
July 31, 2015
Revdex.com
Eastern Missouri & Southern Illinois
RE: [redacted]
Complaint Number: XXXXXXX
To Whom It May Concern,
Your correspondence dated July 29, 2015 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 disclosed. This 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 call. The 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 collector. However, 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 /* (1000, 5, 2015/07/21) */
July 21, 2015
Revdex.com
Eastern Missouri & Southern Illinois
RE: [redacted]
Complaint Number: XXXXXXX
To Whom It May Concern,
Your complaint dated July 16, 2015 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] complaint. Our representative advised Ms. [redacted] on June 18, 2015 that a letter could be sent 14 days, after her payment has been posted. As 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 collector. However, 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 /* (1000, 5, 2015/04/20) */
We conducted a thorough search of our collection management system and found numerous accounts for consumers with the same name; [redacted]. We request additional information to help identify the complainant's account such as an account...

number or the phone number we have allegedly been calling, or any personal identifying information that will allow us to identify Ms. [redacted]'s account, so that we can adequately respond to her complaint and honor her request to cease communications.
Initial Consumer Rebuttal /* (3000, 7, 2015/04/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I don't have any outstanding debt, my credit report is clean and I don't owe anyone money or have any creditors looking for me. The person you call my house for is [redacted] .
Final Business Response /* (1000, 13, 2015/07/07) */
07/08/15: We were not able to locate her account because it was for a different consumer. We requested additional information. We will strive to assure the correct client is being called. We would like to offer our apology.

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 me.
Sincerely,
[redacted]

Initial Business Response /* (1000, 7, 2015/12/31) */
December 31, 2015
Revdex.com
Eastern Missouri & Southern Illinois
RE: [redacted]
Complaint Number: XXXXXXX
To Whom It May Concern,
Your complaint dated December 14, 2015 regarding the above referenced matter,...

has been referred to me for review and response.
Upon my investigation of the account in question, the advertisement for Yellow Pages was completed over the phone via [redacted]'s voice authentication system. Due to privacy reasons, a copy of the recording is not able to be submitted in the response. However, the consumer may contact us via email at [redacted]@credit-control.com in order to request to hear the recording.
Mr. [redacted] took out his ad in 2010 and it auto-renewed in 2011. There is no record of a cancellation request from Mr. [redacted] prior to the 2011 publication year.
If you need any further information you may contact us at (XXX) XXX-XXXX.
[redacted]
Compliance Coordinator
Credit Control, LLC
Federal law requires that we disclose that Credit Control, LLC is a debt collector. However, 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 me.  The company identified a fraudulent transaction and acted honorably in all respects.  Very satisfied, and thankful to all parties.
Sincerely,
[redacted]

Initial Business Response /* (1000, 5, 2015/09/01) */
September 1, 2015
Revdex.com
Eastern Missouri & Southern Illinois
RE: [redacted]
Complaint Number: XXXXXXX
To Whom It May Concern,
Your complaint dated August 24, 2015 regarding the above referenced matter,...

has been referred to me for review and response.
We could not locate an account with the phone number that was provided in Mr. [redacted]'s complaint. We have numerous consumers with the same name or similar names.
Credit Control, LLC will continue its investigation into Mr. [redacted]'s complaint if Mr. [redacted] provides us with any additional information such as the last four digits of Mr. [redacted]'s social security number, a date of birth, a current or previous street address, an account number, or any other identifying information that will help us identify Mr. [redacted]'s account.
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 collector. However, 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 /* (1000, 5, 2015/04/22) */
In the state of California, Credit Control, LLC does not need to be authorized to call Ms. [redacted] at her place of employment. However, once we were informed by Ms. [redacted] not to call her at work, Credit Control, LLC immediately flagged her place...

of employment number to never be called again and placed Ms. [redacted]'s account in a do not call status, ceasing communication.

Initial Business Response /* (1000, 5, 2016/02/23) */
February 23, 2016
Revdex.com of Eastern Missouri and Southern Illinois
Recipient Address
211 N. Broadway, Suite 2060
St. Louis 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 2/17/16. 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, 2016 we placed a phone call to the phone number we had listed as [redacted]'s residence number. On this call we made contact with Ms. [redacted]'s father who demanded to know what the call was concerning. As you are no doubt aware Federal law forbids us from disclosing any consumer's personal information to a third party without the consumer's permission. Unfortunately Ms. [redacted]'s father was not satisfied with this explanation. Despite his continued demands for more information our representative repeatedly explained that we could not disclose any further information without Ms. [redacted]'s permission. Upon 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 phone. All communication from our office will be restricted to writing through the mail. Of 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 /* (1000, 7, 2015/11/03) */
November 3, 2015
Revdex.com
Eastern Missouri & Southern Illinois
RE: [redacted]
Complaint Number: XXXXXXX
To Whom It May Concern,
Your complaint dated October 19, 2015 regarding the above referenced matter,...

has been referred to me for review and response.
I apologize that the collector in question was rude to you. We have informed management who will investigate the call, and take appropriate disciplinary action if necessary. In the meantime, you may contact manager [redacted] directly at XXX-XXX-XXXX. If 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 collector. However, 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 ceased collection activity on her account.  No further attempts will be made to collect this debt.

April 4, 2017Revdex.comServing Eastern Missouri & Southern Illinois211 N. Broadway, Suite 2060St. Louis, MO 63102Complaint ID #: [redacted] – [redacted] L. [redacted]Dear Complaint Resolution Department:We are in receipt of your letter of March 31, 2017, which accompanied a copy of the...

complaint filed with your office by [redacted].Upon receipt of your correspondence, we forwarded a copy of Mr. [redacted]’s complaint to our client. In addition, per Mr. [redacted]’s request we have closed our file on his accounts. Credit Control, LLC will perform no further collection activity with regard to these accounts.Regarding Mr. [redacted]’s concerns with the credit reporting of these accounts, as these accounts are disputed and are no longer active in our system we have submitted a request through e-OSCAR to delete any credit reporting of these accounts initiated by Credit Control, LLC from Mr. [redacted]’s report.If you have any questions or wish to discuss this 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

Initial Business Response /* (1000, 5, 2016/01/14) */
January 14, 2016

Revdex.com
Eastern Missouri & Southern Illinois
RE: [redacted]
Complaint Number: XXXXXXX
To Whom It May Concern,
Your correspondence dated January 8, 2016 regarding the above referenced...

matter has been referred to me for review and response.
After investigating Ms. [redacted]'s complaint, the account has been placed in a Do Not Call status. The information requested has been provided by our client and is being forwarded directly to Ms. [redacted]. We apologize for the less than pleasant conversation that Ms. [redacted] had with our representative. The agent's behavior is a violation of our customer service philosophy and coaching has been conducted.
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 collector. However, 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 Consumer Rebuttal /* (2000, 7, 2016/01/15) */
(The consumer indicated he/she ACCEPTED the response from the business.)

We are in receipt of your correspondence of July 24, 2017, forwarding us a copy of the complaint filed with your office by [redacted].  Upon receipt of your letter through the Revdex.com Portal, we initiated our investigation into the concerns set forth by the consumer in this compliant....

 With regard to the consumer's dissatisfaction with the conversation referenced in the complaint, we show no record of ever having been in contact with the consumer.  As the consumer expressed a desire to receive no further communication regarding this account, we have closed our file on the consumer's account and returned it to our client, advising our client that the consumer requested that we cease communications.  Credit Control, LLC will make no further attempts to make contact with the consumer with regard to this account.Thank you for your assistance in addressing the consumer's concerns.  If you have any questions please feel free to reach out to us at your convenience.

Initial Business Response /* (1000, 5, 2015/07/31) */
July 31, 2015
Revdex.com
Eastern Missouri & Southern Illinois
RE: [redacted]
Complaint Number: XXXXXXX
To Whom It May Concern,
Your complaint dated July 29, 2015 regarding the above referenced matter, has been...

referred to me for review and response.
Credit Control, LLC conducted a thorough investigation into [redacted]'s complaint regarding Credit Control LLC's handling of [redacted]'s account.
Regarding Mr. [redacted]'s claim of alleged violations of ceasing calls to their places of employment. All call recordings were reviewed and none were found to contain any such demands or request to stop calling their work number. However, Credit Control, LLC only called [redacted] at her place of employment phone number two times in a four month time frame. If Mr. or Mrs. [redacted] have any documentation to support this allegation Credit Control, LLC requests a copy or copies so that it may further the investigation into this alleged violation.
Regarding Mr. [redacted]'s claim that [redacted] account is beyond the statute of limitations, please be advised that the debt in question charged off on February 5, 2012. With a four year statute of limitations in Pennsylvania, this debt would not have exceeded the statute period until February 6, 2016. Again, if Mr. and Mrs. [redacted] have any documentation to the contrary and provide a copy or copies to Credit Control, LLC we shall use such documentation to further its investigation into this alleged violation.
As a result of Mr. and Mrs. [redacted]'s complaint, Credit Control, LLC has suspended collection attempts and ceased communications with the consumer. Because Credit Control, LLC's investigation into Mr. [redacted]'s allegations did not reveal the violation of [redacted]'s rights, Credit Control, LLC is not considering any monetary or non-monetary compensation.
If you need any further information you may contact us at (XXX) XXX-XXXX.
[redacted]
Compliance Coordinator
Credit Control, LLC
Federal law requires that we disclose that Credit Control, LLC is a debt collector. However, 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 /* (1000, 7, 2015/05/26) */
May 26, 2015
Revdex.com
Eastern Missouri & Southern Illinois
RE: [redacted]
Complaint Number: XXXXXXX
To Whom It May Concern,
Your complaint dated May 26, 2015, regarding the above referenced matter, has...

been referred to me for review and response.
Credit Control, LLC has taken Ms. [redacted]'s complaint as a written dispute. The account has been placed in a do not call status. All communications by Credit Control, LLC with Ms. [redacted] have ceased, and her account has been returned to our client.
If you need any further information you may contact me at (XXX) XXX-XXXX.
Sincerely,
[redacted]
Compliance Coordinator
Credit Control, LLC
Federal law requires that we disclose that Credit Control, LLC is a debt collector. However, 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.

According to the letter from Credit Control we are supposed to wait for them to contact [redacted] for invoices and bill pay history in order to verify if information received is [redacted] or [redacted]'s debt. Once I receive the information from Credit Control, then we will discuss the validity of the billing. There is nothing for us to do at this point, but wait for the documentation. If Jesse Meade from Credit Control would like to contact me in the meantime, [redacted], I would be happy to discuss any further action on our part. Respectfully, [redacted]

Upon receipt of your correspondence, we re-sent the letter Ms. [redacted] had requested via email, and received confirmation from Ms. [redacted] that she did in fact receive it.  In addition, a copy was mailed to Ms. [redacted] at the address she provided in her correspondence.

Initial Business Response /* (1000, 5, 2016/02/05) */
February 5, 2016
Revdex.com
Eastern Missouri & Southern Illinois
RE: [redacted]
Complaint Number: XXXXXXX
To Whom It May Concern,
Your correspondence dated February 1, 2016 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, 2016 at 2:40 p.m. to the address we have on file: [redacted] S [redacted] Ave, Chicago, IL XXXXX-XXXX. As a result of Ms. [redacted]'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

Initial Business Response /* (1000, 5, 2016/02/10) */
February 10, 2016
Revdex.com
Eastern Missouri & Southern Illinois
RE: [redacted]
Complaint Number: XXXXXXX
To Whom It May Concern,
Your correspondence dated February 8, 2016 regarding the above referenced...

matter has been referred to me for review and response.
After reviewing Ms. [redacted]'s account, it appears that this complaint is the result of a misunderstanding as it relates to our letter. The portion of our letter which Ms. [redacted] was referring to was intended as a generic disclosure and is in no way a statement of any intention on behalf of Credit Control to report this account.
We apologize for any misunderstanding which may have resulted from our letter. In addition we have in good faith closed our files on Ms. [redacted]'s account and will perform no further collection activity with regard to this account.
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 collector. However, 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.