Credit Control LLC

Initial Business Response /* (1000, 5, 2016/02/01) */
February 1, 2016
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 XXXX0253
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 amount. Mr. [redacted], 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. [redacted], who at that point forwarded the call to his manager [redacted].
Once the call was passed to [redacted], 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 account. Mr. [redacted] continued to make issue of his conversation with Mr. [redacted], feeling as though he was being accused of some kind of wrongdoing, refusing to listen to [redacted]'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 dispute. If 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 him. We can be reached at XXX-XXX-XXXX.
Sincerely,
[redacted]
Director of Compliance
THIS COMMUNICATION IS FROM A DEBT COLLECTOR

January 27, 2017Revdex.comServing Eastern Missouri & Southern Illinois211 N. Broadway, Suite 2060St. Louis, MO 63102Complaint ID #: [redacted] – Ms. [redacted]Dear Complaint Resolution Department:We are in receipt of your letter of January 25, 2017 which accompanied a copy of the...

complaint filed withyour office by Ms. [redacted].As part of our investigation into the concerns raised by Ms. [redacted], we reviewed the recording of thetelephone call referenced by Ms. [redacted] in her complaint.Ms. [redacted] expressed concern regarding our representative questioning her about her employment andfinances. At the beginning of the call Ms. [redacted] had asked our representative about a potentialsettlement of the account she was calling about. In order to be able to determine what we could work outfor Ms. [redacted] in terms of a settlement our representative was attempting to update the information wehad on file and get a clear understanding of Ms. [redacted]’s financial situation.Ms. [redacted] then asked if she could speak to someone other than the representative she was speakingwith, and the call was then passed to [redacted], who is one of our managers, to assist her further. WhenMs. [redacted] informed our Mr. [redacted] that she was unfamiliar with 2 of the 3 accounts we werediscussing with her, Mr. [redacted] advised her we would contact our client [redacted], N.A. andobtain documents to validate the accounts, and then send them to her. When Ms. [redacted] informed Mr.[redacted] that she wanted to speak with [redacted], directly, he offered to place a 3-way call to thebank with Ms. [redacted], however Ms. [redacted] declined and stated she would call the bank herself andended the call.After the call ended, we submitted a request to obtain the validation documents from the bank for the 2accounts Ms. [redacted] did not recognize. As a result of Ms. [redacted]’s request in her complaint that shewould have no further contact with our company, we have closed our files on all 3 accounts and returnedthem to [redacted]. We will see that Ms. [redacted] receives the validation documents she requestedand then she will receive no further communication from Credit Control, LLC.Sincerely,[redacted]Director of Compliance

August 12, 2016 Revdex.com Serving Eastern Missouri & Southern Illinois 211 N. Broadway, Suite 2060 St. Louis, MO 63102 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 [redacted], which we had listed as a contact number for another party with the same last name. As a result, we have now removed this number from our system so that Ms. [redacted] should receive no further calls from Credit Control, LLC. If 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

April 21, 2016Dispute Resolution Department Revdex.com 211 N. Broadway, Suite 2060 St. Louis MO 63102 Re: Revdex.com ID# [redacted] – [redacted]...

                                         Dear Dispute Resolution Department: We are in receipt of your correspondence of April 13, 2016 which accompanied a copy of the complaint filed with your office by [redacted]. Upon receipt of this complaint we conducted our internal investigation into the concerns raised by Ms. [redacted] relating to the status of this account.  Our review of our file revealed that Ms. [redacted] did in fact settle this account in November as she stated in her correspondence.  Unfortunately, we found that at the time her payment was posted the file was not properly coded as a settled account.  Please be assured that this has since been corrected and this account is now in a settled status. We apologize for any inconvenience to Ms. [redacted].  Attached please find a copy of the letter we have sent her confirming that this account is now settled.  If either you or Ms. [redacted] have any additional questions or concerns, please feel free to call us at [redacted] at your convenience and ask for [redacted] the manager at that location who will be happy to assist you further. Sincerely, [redacted] Director of Compliance THIS COMMUNICATION IS FROM A DEBT COLLECTOR

Upon receipt of Ms. [redacted]'s reply to our response, we queried our database for the name she provided, and we were able to locate a file.  While we found that we never dialed any of the numbers provided by Ms. [redacted], there was a number on the file which was very similar to the number Ms. [redacted] provided ending in [redacted].  We never dialed that number, but we did place phone calls to a number ending in [redacted] asking for the name she provided in her reply.  It is not clear to us whether Ms. [redacted] has a additional number she did not list on her complaint ending in [redacted] or whether there is maybe a forward on the [redacted] number which forwarded the calls to the [redacted] number, however now that we have been able to locate the number we've been calling that appears to have resulted in the calls to Ms. [redacted]'s phone, we have eliminated the number from our database.  We expect this will mean Ms. [redacted] will receive no further calls from Credit Control, LLC.

April 4, 2017Revdex.comServing Eastern Missouri & Southern Illinois211 N. Broadway, Suite 2060St. Louis, MO 63102Complaint ID #: [redacted] – [redacted] C. [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 Ms. [redacted].Upon receipt of your correspondence, we forwarded a copy of Ms. [redacted]’s complaint to our client. In addition, per Mr. [redacted]’s request on his complaint filed at the same time, we have closed our file on his accounts. All 3 of the accounts referred to by Mr. and Ms. [redacted] were under the name [redacted]. As we explained in the response to Mr. [redacted]’s complaint, we submitted a request through e-OSCAR to have all credit reporting initiated by Credit Control, LLC deleted.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

February 20, 2017Revdex.comServing Eastern Missouri & Southern Illinois211 N. Broadway, Suite 2060St. Louis, MO 63102Complaint ID #: [redacted] – Ms. [redacted] T. [redacted]Dear Complaint Resolution Department:We are in receipt of your letter of February 17, 2017 which accompanied a copy of the...

complaint filed with your office by Ms. [redacted].This file was placed with our office on November 22, 2016. Credit Control, LLC was not in any way involved with any activity which took place prior to that date. In addition, Credit Control, LLC did not purchase this account. This account was placed with Credit Control, LLC by the current creditor Debt Management Partners, LLC.Due to Ms. [redacted]’s demand that we immediately cease and desist all contact, we have closed our file on this account and returned it to Debt Management Partners, LLC. Ms. [redacted] will receive no further communication from Credit Control, LLC.Sincerely,[redacted]Director of ComplianceTHIS COMMUNICATION IS FROM A DEBT COLLECTOR

Initial Business Response /* (1000, 10, 2015/10/28) */
October 21, 2015
Revdex.com
Eastern Missouri & Southern Illinois
RE: [redacted]
Complaint Number: XXXXXXX
To Whom It May Concern,
Your complaint dated September 22, 2015 regarding the above referenced...

matter has been referred to me for review and response.
I apologize for the delay, however, the complaint was just brought to my attention today. The account is now in an inactive status and all calls and letters have ceased.
We have requested validation of the debt from our client and will forward upon receipt.
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, 2016/03/01) */
March 1, 2016
Revdex.com
Eastern Missouri & Southern Illinois
RE: [redacted]
Complaint Number: XXXXXXX
To Whom It May Concern,
Your correspondence dated February 16, 2016 regarding the above referenced...

matter has been referred to me for review and response.
After reviewing Mr. [redacted]'s account, it would appear that neither our company nor our client has reported this to the credit bureaus. Any credit reporting taking place would be coming from the original creditor of the account. If this is the case, the best solution would be to contact the credit bureaus directly.
It was also found that our client has requested fraud documents in the past to help clear the matter up, but has yet to receive anything. I would be happy to have a fraud packet sent out at your request. In the meantime, debt validation has been requested.
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.

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.

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 conducted a thorough investigation into your complaint and found that Credit Control, LLC did make five calls to [redacted] in a two month time frame. It is also correct that the account is beyond the statute of limitations for this type of debt. Regarding, 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

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. Thank 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]

Attached is our response.  Thank you,

We are in receipt of your correspondence of July 26, 2017, received through the Revdex.com Portal, which forwarded us a copy of the complaint filed with your office by Ms. [redacted].  Upon receipt of this complaint, we documented Ms. [redacted]'s dispute and advised our client of her dispute while requesting...

documentation in order to validate this debt.  Our client forwarded copies to our office of 3 separate bills, and indicated to us that they do not show that payment was received.  We will forward copies of the documentation received from our client directly to Ms. [redacted] at her home address.  With regard to the payment that Ms. [redacted] believes she made which was not credited to her account, we ask that Ms. [redacted] please forward a copy of proof of payment (i.e. a copy of her cancelled check or payment instrument) to our office so that we may investigate this further and ensure that she receives credit for any payment she made.Thank you for the opportunity to address Ms. [redacted]'s concerns.  If you have any questions or wish to discuss this further, please feel free to contact us at your convenience.

We are in receipt of the complaint of Mr. [redacted], forwarded to us through the portal via email on March 6, 2018.  Upon receipt of your correspondence we documented the concerns raised by Mr. [redacted] in his complaint.  In reviewing our file, we find that the date of payment was February 20,...

2018.  Per our policy, we are required to wait a minimum of 14 days from the date of last payment before we are able to issue a letter confirming an account has been paid or settled.  This period is required to allow for clearance of funds.  As today's date represents 14 days since the date of last payment, we have initiated a confirmation letter, which Mrs. [redacted] should be receiving shortly.

We are in receipt of your correspondence of August 4, 2017 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]...

[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.

June 27, 2017Revdex.comServing Eastern Missouri & Southern Illinois211 N. Broadway, Suite 2060St. Louis, MO 63102Complaint ID #: [redacted] – [redacted]Dear Complaint Resolution Department:We are in receipt of your letter of June 22, 2017, which accompanied a copy of the complaint...

filed with your office by [redacted]. Upon receipt of your correspondence, we initiated our investigation into the concerns set forth by Ms. [redacted] in this complaint.In reviewing our records, we find that on December 2, 2016 we called the number identified by Ms. [redacted] ending in [redacted]. During that call, we were informed we had reached a wrong number. At that time, we removed this number ending in [redacted] from our file and added it to our Do Not Call List. After reviewing our file, we can confirm that we have not placed another call to that number. Any calls received at this number after December 2, 2016 would not have come from Credit Control, LLC.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

Complaint: 11198524
I am rejecting this response because:Credit Control failed to provide any documentation stating that if a payment is received late my agreement would null/void. Also failed to receive monthly statements or a due date! As stated in my original complaint I mailed a stack of mail that I unknowing neglected to put stamps on, went  on a 5 day trip & came home to returned mail & promptly re-mailed everything. If I had known this was going to be an issue I would have called credit control, but again with no documentation pertaining to late payments or a said due date I didn't think it was an issue. Credit Control has received all 6 of the payments: clearing my bank account on the following dates: 8/14, 9/15, 10/20, 11/23,1/5 and 2/2 all in the amount of 276.88, for a total of 1,661,.28. As all payments have been received I am asking them to honor the agreement of considering my account "settled in full"
Sincerely,
[redacted]

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, 5, 2015/08/11) */
August 11, 2015
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 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.