Credit International Corporation

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]

I have thoroughly reviewed the complaint filed by Ms. [redacted]. The opportunity to respond to this matter is appreciated. We do apologize if Ms. [redacted] feels so mistreated throughout this process. That being said, it is not a reason not to have to fulfill an obligation. Ms. [redacted] desires to...

have this matter resolved as if it just occurred yesterday. That is unfortunately not the case. She admittedly has moved and did not receive the Notice of Dishonor. That is also not a reason not to have resolved this. Bank statements are provided and show any items that do not clear. This information was available to Ms. [redacted] from her bank, even if she did not get the notice we had sent. She has further allegations regarding service of process. She was never told that it did not matter whether or not she was served. She was advised that to ensure there could be no further question of proper service that court room service could be affected should a vacate motion be presented. Ms. [redacted] has reached out to our client to attempt resolution directly with them. At this time we are awaiting their decision as to whether or not they would like to settle for the offer made by Ms. [redacted] or have us proceed further. I did reach out to them again this morning in an attempt to expedite their decision making so that this matter may be resolved in a matter benefiting all involved parties. Should Ms. [redacted] wish to discuss this with us further I invite her to contact me directly at 425-951-0023.
 
Respectfully,
Jessica S[redacted]
Legal Operations Manager
CIC

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.com. 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]

[redacted]I am in receipt of the complaint filed by Ms. [redacted]. 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, 2016. She requested we redeposit the dishonored instrument. The representative was very clear in that we were not able to do so. The representative requested payment in the form of a credit or debit card. Ms. [redacted] replied that due to some ID theft activity she did not have a credit or debit card. She did say that she would mail us a money order to resolve the matter. No money order was received.
On May 18th, 2016, Ms. [redacted] called us to confirm that this matter had been resolved. The representative advised that the promised money order was never received. Ms. [redacted] began arguing with the representative that we told her the check would be redeposited. The representative again explained that this was something we could not do. Ms. [redacted] said on this call that she did have a debit card and wanted to secure payment that way. She then changed her mind when she found out that additional fees had been assessed to the balance. She refused to pay the full balance due and wanted to only pay the original amount. A resolution was not reached.
Ms. [redacted] called us again for the last time on June 20th, 2016. 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 amount. When the representative attempted to go over the full balance breakdown with Ms. [redacted], Ms. [redacted] loudly laughed at her. Again, 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. [redacted]'s account and are determining what our next step will be. Internally, 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. [redacted]. The opportunity to respond is appreciated. The complainant is correct that he resolved any remaining balance due on January 13, 2017. 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 letter. However, a "paid-in-full" letter is not the same as a Satisfaction of Judgment. It is our policy not to satisfy any judgment until greater than 90 days has passed from the time of payment. This is to ensure that any possibility of stop-pay, disputed charges, chargeback of funds, etc. is passed. We are not willing to close a legal case in court until we can guarantee that the funds will remain in our possession. The only exceptions to this are payments made in guaranteed immediate methods; cash, cashier's check or money order. The complainant paid with a Visa card. This meant he was not even eligible for judgment satisfaction until approximately mid-April. He called our office on April 13, 2017, and wanted to know why the satisfaction wasn't filed yet. The representative that the complainant spoke with is a new employee, and therefore, perhaps was not able to articulate the process to complainant. I received an email from the representative on April 13 as well. He requested that since it was practically day 90 that we proceed with the satisfaction filing. I prepped the Satisfaction of Judgment for the attorney to sign. It was sent to the court and filed on April 19, 2017. This satisfaction actually happened a little quicker than most. Feel free to contact me with any questions or should you need to discuss this matter further.

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

It is unfortunate that the complainant feels the need to continue to debate this matter. He chose not to contact us back in 2015 and seems to have presumed his account was resolved in full. To answer his question about why the remaining balance was not previously garnished it is simply because that by the time another writ went out he was no longer employed. Yes, I have an email from a representative requesting we file and we did. Employees in training make mistakes, regularly. The representative himself does not recall making a commitment to follow up with complainant and states that he advised complainant to follow up. Each side has their position; it matters not at this time. The account is paid and the judgment is satisfied. I would presume that the case worker did not articulate the reasoning for the satisfaction not being filed the same was I did was because I am a legal aide who explains this several times a day compared to someone who does not explain it several times a day. The phone records indicate that the call was transferred but since it was not answered it bounced back to the originator. As it was known that the complainant did not want to speak with the representative it went to voicemail. Of course the "experience" has cost money. It is a debt that had to be adjudicated legally due to non-payment. Our very existence is one of collecting outstanding funds owed to our clients. Other than 1 potential day of miscommunication, there has been nothing done on our side that could warrant the loss of the complainant's licenses. I use the word "potential" because ultimately the demands of the complainant were met, just not verbally explained to him to his liking. The account was paid. The complainant touched base with our company. The representative requested filing of the satisfaction. Our required time allotment had passed so we filed the satisfaction. There is no accountability taken by the complainant himself regarding these events. We did not incur the account. We did not presume it to be resolved and not check. We did not assume that documents would be filed immediately without clarifying the point at the time of transaction. Mr. [redacted] has been provided the answers to his issues. As such, we consider the matter closed at this time.

I have reviewed the complaint filed by Mr. [redacted]. I appreciate the opportunity to respond. Our records do not support some of the statements made by the complainant. We 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 29th. Our records further indicate that we provided the credit bureaus with an updated status of "dispute" on April 2nd. We cannot guarantee and have no control over when the bureaus choose to update the records on their side. They advise us that it can generally take anywhere from 30 to 90 days. If 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 reflected. However, Mr. [redacted] has made it clear that he will not resolve the contractual obligation from which this matter originates. Therefore, 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 creditor. As such, we consider this matter closed.

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]

I have received the complaint filed by Ms. [redacted]. The opportunity to respond is appreciated. Mr. H[redacted] is Ms. [redacted]'s case manager. She has left messages and they are forwarded to him for review. Due to a death in his family I am not able to interview him to determine the disposition of her...

calls. However, regarding the Satisfaction of Judgment, our policy is not to file until greater than 90 days has passed from the date of the final payment. Before we will close out a court case on the grounds that it is resolved we have to ensure that the time period within which the account holder can dispute has passed. There can be no chargebacks done, disputes with the bank, closure of account, etc. The only exception to this is to pay with cash, cashier's check or money order. If those methods are used we are in a position to issue the Satisfaction of Judgment immediately. Ms. [redacted] did not use one of the secure methods so she was required to wait until the 90 days had passed. She is now eligible for satisfaction but only as of this month. Satisfactions are also not done daily. They are done in batches as that is our attorney's preferred process. Since Ms. [redacted] was eligible for satisfaction as of January 2017 her satisfaction would have been generated and sent for filing in the February batch. I have made an exception for Ms. [redacted] and have created the satisfaction now. It will be signed next week when Mr. Y[redacted] is in the office and sent to court for filing. I would expect that the satisfaction be filed within the next 2 weeks. As such, I will consider this matter closed upon receipt of the filed Satisfaction of Judgment.