Credit International Corporation

Complaint: [redacted] I am rejecting this response because: I contacted Intuit on 04/11/and was told that they have not received paperwork from Credit International Corp showing this was an act of identity fraudSincerely, [redacted] ***

I have reviewed the complaint filed by Ms [redacted] and appreciate the opportunity to respond to the allegations thereinI find this complaint lacking in meritBefore responding I listened to the recording of the call in questionMs [redacted] threatens to sue our client for pursuit of the debt stating that since they recovered the shop-lifted merchandise she shouldn't owe anythingOur representative did ask her why she was speaking so fast since he was having difficulty understanding herThere was no discriminating remarks or questions at any point in the conversationOur representative did ask the questions that we encourage to be asked when someone isn't voluntarily paying to dayWe ask questions such as employment status of individual and spouse, whether or not there is a secure method available for making a payment such as a checking account, debit or credit card, etcThe representative did explain to Ms [redacted] that due to her refusing to secure any sort of payment and refusal to provide any information that he would have to advise our client that she was not voluntarily resolving the matterI apologize if she felt this to be unethical or unprofessional but our representative was acting in a manner that was above-board the entire timeHe did not linger on the conversation as Ms [redacted] was not securing payment and there was no further business for them to discuss at the time

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] ***

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 meSincerely, [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 I will request a copy of all transcript from the Revdex.comSincerely, [redacted] ***

Our company stands by our previous response and we don't believe we have to respond with any additional information

Complaint: [redacted] I am rejecting this response because: I did identify myself as [redacted] I gave every bit of information you needed to verify my identienty you can swear under law all you want I told dean and the supervisor that I was [redacted] and the response I recieved was you sound like a girl so I'm not giving you any information this company has never spoken with me over the phone so they have no idea how I sound or I consider myself and transmale so yes I do feel discriminating against and I will persue further action so that no one else has to feel humiliated like I did based off the sound of my voice did I curse on the call yes but I never once cursed at the rep so again another lie I recorded the call as well myself and o have never felt so disrespected in my life I attempted to find out information regarding the info that was mailed to me not only was I disrespected I was humiliated and dean as well as his supervisor need to be held accountable legally you cannot determine who I am based off of what "you think I should sound like" and that's exactly what they did refused to answer my questions and failure to disclose my debt. I made several attempts to speak with them and they refused so since they refused to provide me the information to take care of the debt I owe I should not have to pay anything and o will be speaking with my lawyer about my discrimation suite I will be filing this is 2016 and by no means should anyone feel it's ok to judge someone based off their telephone voice.Sincerely, [redacted]

[redacted] I am in receipt of the complaint filed by Ms***I have reviewed its contents thoroughly and appreciate the opportunity to respond I have pulled the recordings from each of the conversations we had with Ms [redacted] and find this complaint to be without merit We first spoke with Ms [redacted] on March 31st, She requested we redeposit the dishonored instrumentThe representative was very clear in that we were not able to do soThe representative requested payment in the form of a credit or debit cardMs [redacted] replied that due to some ID theft activity she did not have a credit or debit cardShe did say that she would mail us a money order to resolve the matterNo money order was received On May 18th, 2016, Ms [redacted] called us to confirm that this matter had been resolvedThe representative advised that the promised money order was never receivedMs [redacted] began arguing with the representative that we told her the check would be redepositedThe representative again explained that this was something we could not doMs [redacted] said on this call that she did have a debit card and wanted to secure payment that wayShe then changed her mind when she found out that additional fees had been assessed to the balanceShe refused to pay the full balance due and wanted to only pay the original amountA resolution was not reached Ms [redacted] called us again for the last time on June 20th, She did offer payment, but as in the past, was not willing to pay the full balance due and was only willing to pay the original amountWhen the representative attempted to go over the full balance breakdown with Ms***, Ms [redacted] loudly laughed at herAgain, resolution was not reached and the call resulted in the representative providing Ms [redacted] the phone number of the manager As we have not been able to reach a voluntary understanding we are processing Ms***'s account and are determining what our next step will beInternally, the matter is not closed at this time but we do consider this issue closed with the Revdex.com Respectfully, Jessica S [redacted] Legal Operations Manager

I have reviewed the complaint filed by Mr***I appreciate the opportunity to respondOur records do not support some of the statements made by the complainantWe did receive a dispute and request for validation on March 27th, notated the account as such and mailed the requested validation to Mr [redacted] on March 29thOur records further indicate that we provided the credit bureaus with an updated status of "dispute" on April 2ndWe cannot guarantee and have no control over when the bureaus choose to update the records on their sideThey advise us that it can generally take anywhere from to daysIf Mr [redacted] checked his credit report on "day 31" there is almost no chance that the information we provided on April 2nd would have yet been reflectedHowever, Mr [redacted] has made it clear that he will not resolve the contractual obligation from which this matter originatesTherefore, we have submitted a deletion request to the bureaus (which I expect will take the standard amount of processing time as well) and returned the account to the original creditorAs such, we consider this matter closed

I have reviewed the complaint filed by Mr [redacted] The opportunity to respond is appreciatedThe complainant is correct that he resolved any remaining balance due on January 13, He was told by the representative he worked with that he could be provided a "paid-in-full" letter at that time The complainant advised he would come to our office to obtain the letterHowever, a "paid-in-full" letter is not the same as a Satisfaction of JudgmentIt is our policy not to satisfy any judgment until greater than days has passed from the time of paymentThis is to ensure that any possibility of stop-pay, disputed charges, chargeback of funds, etcis passedWe are not willing to close a legal case in court until we can guarantee that the funds will remain in our possessionThe only exceptions to this are payments made in guaranteed immediate methods; cash, cashier's check or money orderThe complainant paid with a Visa cardThis meant he was not even eligible for judgment satisfaction until approximately mid-AprilHe called our office on April 13, 2017, and wanted to know why the satisfaction wasn't filed yetThe representative that the complainant spoke with is a new employee, and therefore, perhaps was not able to articulate the process to complainantI received an email from the representative on April as wellHe requested that since it was practically day that we proceed with the satisfaction filingI prepped the Satisfaction of Judgment for the attorney to signIt was sent to the court and filed on April 19, This satisfaction actually happened a little quicker than mostFeel free to contact me with any questions or should you need to discuss this matter further

We again apologize for any feeling of wrong-doingWe have responded to each complaint filed for this matter and consider this issue closed

Complaint: ***
I am rejecting this response because:Your response doesn't touch on several different parts of the complaintThe fact that a large garnishment went through then the final small remaining balance wasn't and turned into years of interest and fees rather than just being paid in full. It then doesn't address the fact that I never received a call back from the 13th of April when the "new employee" emailed someone concerning my requestIf the employee gave wrong information and then said he would follow up, AND you have record of an email from him, why did I need to again follow up the next week? When I called in the next week and asked for record of why it wasn't filed with the courts, why wasn't it articulated to me from the case worker at that time, but now only during a Revdex.com complaint response? Finally, when I asked for more information, why was I hung up on, and when I tried to file a complaint internally I was just forwarded to the employee who hung up on me and went straight to voicemail.This experience was insulting and has cost me money and possibly jeopardized my licenses from poor communication and follow throughIt's insulting that when the client wants information they can only get it with a Revdex.com complaint. I would like the settlement letter with the courts sent to me as your office does have itI would also like future businesses to know what they could be getting into with credit international.
Sincerely,
*** ***

I am in receipt of the complaint filed for this matter and have reviewed the contents thereinThe opportunity to respond is appreciatedThere are relevant facts in this case that were not included in this complaint that, I believe, will demonstrate that our position is not one of discrimination at
allIn October of 2015, Dean *** was calling on this file in an attempt to reach Mr*** ***He did not reach Mr***He did reach an individual named *** identified as female and seemed to be associated with Mr*** as she asked several questions regarding the nature of the call and who Mr*** wasIt turned out that it was ***'s cell phone that we had called, not ***'sThere was no activity again until February of this yearWe sent a notice and a few days later we received a call in from the number that we had already identified as ***'sThe caller did not identify as *** ***She did not identify herself at all but did ask questions which our representative refused to answer due to the caller's lack of identifying herselfShe started to curse at our representative and requested a supervisorShe was provided the supervisor's number and the call was terminatedA week went by and the number belonging to *** calls us again and speaks with Dean *** whom, upon review of the file notations, suspects he is speaking with someone other than *** ***This call escalates due to his protection of privacy and is transferred to meI am briefed by Dean as to the situation so before speaking with the individual I pulled the recording from the conversation a week ago and listenedI then took the call and advised the caller that I needed to support Dean's decision that we could not engage in the revelation of information at this timeI will swear under penalty of perjury that the individual from the week prior who did not identify as *** *** was the same individual we were speaking with this dayAlthouogh we were not comfortable releasing the information verbally at the time, we did provide the caller with other available options for obtaining the information soughtA written validation request or to contact the court records department were both recommended to the callerThis is not a matter of discrimination at allThis is a matter of us believing that we would be disclosing to an unauthorized third partyTruly, it protects *** ***We apologize for anyone feeling that we would discriminate against them but that is just not the case here

Complaint: ***I am rejecting this response because:
This collection agencies uses unfair business practices in the form of tripling the original debt amount and not releasing information that show I have offered to pay this debt over 5x, only to be turned away
I was not told originally that the check could not be redeposited I was told that in some cases that is fine, but in others it is not This is recorded
I have been the victim of identity theft - I explained that to them - told them that Key Bank was working with my vendors and was returning all overdraft charges against my checking acct Because of this, I was unable to give them my new debit card infountil I got it in the mail - I immediately sent them my Debit Card #, expiration date, and CVV on the back I said on their form, that I authorized them to take the amount originally assessed ($240.00approx) out of my checking acct
The next I heard from them is when they served me with papers (on a Sunday) and when I called to talk to Jackie (a manager) and offered to make payments she told me she would have to check with her legal dept I asked her when she would let me know and she said she would get back to me that day I never heard from her again
I filed my complaint with Revdex.com and the AG's office and called Jessica (legal dept.) today, July 5th to find out what was going on with my proposed payment plan She told me that they would not let me do this, that they needed a lump sum or they would take me to court She also said that she had just received the envelope with my debit card info I pointed out to her that I had sent it in as I had told them, and that the envelope was dated May 21st I told her that it was not my fault that the USPS had taken over a month to deliver my payment information Jessica was rude and would not allow me to do anything as far as a payment plan She denied that I had ever talked to Jackie about one I explained to her that I have been trying to pay this for over two months now, and in the different occasions I have been turned away I asked her to send me a copy of their legal pleadings in my case and she refused I asked her to let me make a payment plan and she refused I told her paying this off was like trying to shove money down their throat, since they do not seem interested in letting me pay my check (that was returned because the identity thief emptied my checking acct.) but want to engage in abusive, outrageous tactics
Sincerely,*** ***

Complaint: ***I am rejecting this response because:
you can consider it closed but I don't and will be filing a law suit that will name dean *** and his supervisorYour lack of respect and the fact that you clearly are disobeying the debt collection laws will for sure be notedYou will be hearing from my attorney
Sincerely,*** ***

Complaint: ***I am rejecting this response because:
The response from the collection agency is full of misstatement of facts, accusations.
My final response is this:
We will be filing paperwork with the appropriate agencies as they have violated our rights to privacyThey have adamantly stated that they will not communicate with us unless we give them our Social Security Numbers (the verification method they were trying to use with my wife)Blackmail is an unethical collection action we will not comply with unlawful acts that have a natural right to abstain from.
We will also be driving to Beach Avenue to pick up the mail and correspondence that they sent to us at the home of the Vice President of the Creditor that Assigned them the judgmentSince they stated that it was sent there we are hoping it is still thereWe have not lived at that address since September of They know it and as of the date of filing of this complaint they still sent mail to that location.
Tomorrow 12/7/we will be going to their office location to present our State Identification Cards and Press Credentials, which validate very clearly who we are and request all documents from them and to view the information that gave them to right to collect a "debt" from a business partner that has a lien on the "creditors" and the Signed Court Order that cancelled out the set-off and 1099-C provided to the Original Creditor prior to them Assigning the debt to Credit International
While driving all the way down to their location is a great inconvenience we must take action the only way we can to rectify the situationThank you again for the opportunity to respondMy wife's response is attached to this response as she is the individual that spoke with the companyMy wife can be reached at *** or at our home address of *** *** *** ** *** ** *** if further input is necessary
Sincerely,*** ***

Credit International considers this matter closedWe will not respond further to this issueMs*** requests written confirmation that this has been handledThis request confuses me as each response to the Revdex.com is writtenTherefore, it has already been provided twice in writing that all necessary documents have been received, processed and acknowledgement has been provided by Intuit that all has been done on their end as well

Complaint: ***I am rejecting this response because: I contacted Intuit on 04/11/and was told that they have not received paperwork from Credit International Corp showing this was an act of identity fraud. Sincerely,*** ***

Re: Revdex.com ID No***Dear Ms***,I am in receipt of the complaint filed by Mr*** and have reviewed the information contained therein thoroughlyWhen an account lists in our office we are required to send notice to the last known addressThis was
doneWe sent the required court documents to this address alsoIt is quite clear that Mr*** was able to access all necessary information onlineWe, as well as our attorney, Mr*** ***, received calls from a woman identifying herself as “***”This individual had numerous opportunities to verify her identity in a manner conducive to our ensuring that we were not about to disclose to a third partyFederal collection laws are very strict in this regard so it is not an area wherein we find any gray areaIn order for us to discuss matters with anyone we must feel assured that they are the correct party“***” refused to verify any information beyond her nameThis is not sufficient verificationThere is a statement in the complaint that we refused an offer of $10,This is not correct as no offer was ever made, however, I can confirm that we would have refused itThe sensitive nature of this matter is such that full balance owed is all that would be acceptedThere is also a claim of unresponsiveness to calls and lettersNo letters have been receivedNo calls have been received since the last time that we advised “***” that continued refusal to verify her identity in a satisfactory manner would result in our continued refusal to engage with herI find it contradictory that this complaint ends with “if the debt is legit”Mr*** admits that he or “***” were willing to settle for $10,I ask, would you offer $10,for something you didn’t deem legitimate? He also states earlier in the complaint that he wanted to make a payment plan with the original creditor but they did not respond to himTheir response was clearThey listed the account with us to pursue continued legal remedyHe is patently aware of the matter and its legitimacy. Respectfully Yours,Jessica S*Legal Operations ManagerCredit International Corp.PO Box ***Bothell, WA 98041P: 888-452-9188F: 425-486-

I have reviewed the complaint filed by Ms. [redacted] and appreciate the opportunity to respond to the allegations therein. I find this complaint lacking in merit. Before responding I listened to the recording of the call in question. Ms. [redacted] threatens to sue our client for pursuit of the...

debt stating that since they recovered the shop-lifted merchandise she shouldn't owe anything. Our representative did ask her why she was speaking so fast since he was having difficulty understanding her. There was no discriminating remarks or questions at any point in the conversation. Our representative did ask the questions that we encourage to be asked when someone isn't voluntarily paying to day. We ask questions such as employment status of individual and spouse, whether or not there is a secure method available for making a payment such as a checking account, debit or credit card, etc. The representative did explain to Ms. [redacted] that due to her refusing to secure any sort of payment and refusal to provide any information that he would have to advise our client that she was not voluntarily resolving the matter. I apologize if she felt this to be unethical or unprofessional but our representative was acting in a manner that was above-board the entire time. He did not linger on the conversation as Ms. [redacted] was not securing payment and there was no further business for them to discuss at the time.