Credit Management Control, Inc.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***
I have attached a copy of the letter and check that were mailed togetherYou can clearly see that I wrote the check for $someone at the CMC Inc altered this check to read I have notified my bank of the altering of the check and at their request filed a police reportI have also attached a copy of the check after it was altered and cashed at my bank

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[I have called this business several timesI was told that they have a verifiable account for meWhen I spoke to a supervisor she was very rude and she connected me to someone else who verified an account after I have given them all the my information After dats if calling & someone told me that my social is not in their system all of a sudden after I gave it to them they came out with an accountThis company has that this account opened May and it was last reported September This account was opened in September and closed October Why are you reporting to my credit that I open this account and I have not paid and I just now found out about the account and this company I am working with the original debt collector because just energy never reported to my creditThe balance was actually written off and apparently this company picked it upBut this happened in so the reporting dates are now fraudulent Why tell me that there was no account for me when I first started calling now you have created an account all of a sudden? Correct the dates and send me proof by mail that's what I want this company to do.
Regards,
*** ***

Our office received the account on 9/26/12. No representative spoke with Mr*** on the account until today, Oct 7, 2014. Mr*** sent payment to the County direclty in December 2012. Our office does not delete accounts from the credit bureau to secure payment in full on
accountsHad he spoken to a rep from our office to make the Dec payment, he would have been told the same response as above.Today, Oct 7, he was informed that we would not remove the valid reporting from his credit report. We had reported it paid per FCRA.Thank you

Credit Management Control received the account from our client, Just Energy, for collection on May 4, 2016. This is the reason for the credit bureaus reporting May as an open date as this is the date of receipt of the account for Credit Management Control. It does not mean that it's the opening/start date for services with Just Energy. The start date of services with Just Energy was September 17, with an end date of October 29, 2013. The delinquency date listed on the credit report would be listed as 10/29/13. CMC reports to the bureaus monthly, therefore our last reporting date was September at the time of Ms*** initial complaint/dispute. Therefore the information submitted to the credit bureaus is accurate.Ms*** has not yet contacted our office per our request in the original response to her complaint. If she would please contact our office and speak with *** so identify information can be verified. 866-844-ext108. Alternatively and due to Ms*** originally stating she did not have service with Just Energy, she could mail the following to CMC * PO Box 1654 * Green Bay, WI - legible copy of her driver's license or other state ID, - legible copy of social security card (may truncate 1st 5-digits, leaving just the last visible) and - proof of other energy services during the time period of 9/17/- 10/29/13. (her initial complaint/dispute was that she had not had Just Energy services and does have proof of energy services over the past 8yrs). The information Ms*** provides would be reviewed and verified to determine if indeed the account ID information is accurate. In the meantime, we will be mailing Ms*** a copy of the last billing statement that was sent by Just Energy in 2013.Thank you

Mr*** original written notice of dispute received on was not a detailed dispute. It was a request for validation of debt with no detailWith that, a statement/invoice from our client was sent to him outlining the charge amount that was sent to collection We
have reached out to our client regarding Mr*** detailed dispute included with his Revdex.com submission. Our client stated that they did originally agree to accept 50% of the amount to avoid collections however, they did not receive the payment therefore, and the account was sent to collection. Mr*** also stated he was unaware of the “no show” fee. We have a copy of his signed Insurance and Financial Policy dated which clearly states a “no show” fee would be charged without a 24-hour notice of appointment cancelation (copy has been uploaded with our response). Our client states the balance in collection is due and owing in full. We have updated the credit bureau status to dispute We apologize that Mr*** experience with *** was not favorable. Should he like to discuss this account further, he can contact *** at 866-844-ext We hope this information assists in the resolution of this matter Thank you Credit Management Control, Inc

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.I provided the Ambulance with my insurance card when they picked me up, which was at my job my insurance was thru my jobI never recieved a notice from Credit Management Control seeing as I moved in July of and I put a forwarding address in at the post officeIf I recieved a notice I would of been and called them because I knew I had InsuranceThe company needs to be more professional and understand when customers are trying to ask customer and get a understanding. Regards,
*** ***

CMC received account balances for collection on 11/8/17. Information for the accounts is listed below: * - original balance 251.00, insurance adjustment 136.82, patient payment 5/26/17, patient payment 9/11/= balance 72.18 * - original balance
251.00, insurance adjustment 136.82, insurance payment = balance 11.42Ms*** provided a copy of - $payments made directly to our client on 5/22/and 9/7/(both of those payments were applied to account 53762).We are sending validation of debt to Ms*** to the address on file (same address as listed on her Revdex.com inquiry).Ms*** can contact our office at 866-844-to discuss the account and/or to make a payment arrangement on the balance due.Thank you and have a good day

CMC received the account 1/20/17. Validation notice was sent 1/20/to her address on Sunshine Drwith no mail returned. There were no communications with Ms*** from the time of account listing 1/20/until a 04/04/phone call. On the 4/04/communication with Ms***, she
contacted our office stating she had just received a call from our office. After verifying Ms***’s identity, the representative provided account information (creditor, amount, and date for the charge). Ms*** stated she had not been to the creditor’s office in 3years. Ms*** then stated multiple times that she was filing a report with the CFPB because CMC can not report the account to the credit bureaus because it was not verified prior to reporting. The representative informed Ms*** that the initial notice of account was sent. The representative also advised that we can provide validation (a breakdown of charges). Validation of debt (invoice from the creditor) was provided to Ms*** 4/17/with the CFPB response and again on 5/1/due to our receipt of a credit bureau on line dispute. The debt has been validated and remains due & owing. We hope this information assists in the resolution of the matter. Thank you

Mr*** letter requesting validation of debt including the creditor's name/address, original/current balance, etc was received and processed. Validation (creditor's original invoice) was mailed to Mr*** on 5.26.16. On 6/12/the bureaus were updated with a dispute code (which is
within 30days). The delete code was submitted via Eoscar, however, no confirmation code is provided by Eoscar. It can take the bureaus up to days to actually remove an item

We would like to thank Mr*** for bringing his concern to our attention. CMC takes compliance very seriously. Further, CMC accepts and processes disputes at any time, not just within the first days of account placement CMC received the account from our client on
6/26/16. An initial notice was sent to the address on file, no mail return was received. We conducted an interview with the representative and reviewed the notes on file. We state the following in response to Mr*** complaint: During the call on 9/19/16, the representative verified Mr*** by the service address, stated the mini *** and stated the collection warning. The representative updated Mr*** address and requested another initial notice due to the address update. Mr*** stated he had paid in full receipts for accounts with Just Energy. The representative stated there were no payments applied on the account and the account numbers on the receipts did not match the account number on file with our office. While on the phone with Mr***, the representative submitted a request to obtain validation from the client to review/verify the account number and that the account balance is due and owingThe representative stated to Mr*** that the client also sends statements and a final billing prior to sending to collection but Mr*** stated he received nothing and doesn’t want to pay 1200.00. He stated he was trying to buy a house and wanted this off of his credit. The representative advised that due to him moving and claiming not to have received our notice that it could be removed this from his credit and since he stated he didn’t want to pay 1200.00, he was also offered a reduced amount per Just Energy settlement offer guidelines. Mr*** replied with “it’s ok, it’s cool” and that he was not concerned about this bill. The representative stated he had asked Mr*** if he was currently employed and Mr*** said yes and then got upset again. The representative stated he was only trying to update all required information on the account. He did not state nor did he imply we would sue and he did not make any threats. He stated he only informed Mr*** that the account would remain open until resolved Our representatives are monitored regularly and our representatives are to display respect, professionalism and courtesy at all times. Also, this client is a non-suit client therefore, comments regarding suit or comments implying/threatening such action would not be stated. We apologize if Mr***’ understanding of what the representative was attempting to convey regarding the account was misinterpreted Lastly, the account was reviewed with our client and after their review, they have advised our office to close the account due to billing error, listed in error. We are submitting a deletion request to the bureaus manually today and electronically on 10/10/ We hope this information assists in the resolution of this matter Thank you, Credit Management Control, Inc

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***

CMC received the account from our client for collection 1/9/17. A notice of account has been sent to Ms***If Ms*** does not receive her notice of account, she can contact our office at 866-844-and we would be happy to send another notice. We will also request
validation/statement from our client and forward to her once received.Regarding the call, when Ms*** first contacted our office she verified her name but she would not verify other required identity verification information such as date of birth, address, etc. CMC does not provide account information unless an individual identifies them self with all required identity information on file. Prior to Ms*** ending the call, the representative did state his name and our company name. Ms*** called back shortly following the first call and did verify her information. With that, the representative was able to provide her with the account information that is available to us with the account listing. We will request validation/statement from our client and forward to her once received.We hope this information assists in the resolution of this matter.Respectfully submittedCredit Management Control, Inc

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.I provided the Ambulance with my insurance card when they picked me up, which was at my job my insurance was thru my jobI never recieved a notice from Credit Management Control seeing as I moved in July of and I put a forwarding address in at the post officeIf I recieved a notice I would of been and called them because I knew I had InsuranceThe company needs to be more professional and understand when customers are trying to ask customer and get a understanding. Regards,
*** ***

We have received a copy of Ms*** insurance cards and they have been forwarded to our client for review/possible billing to insurance - if it is not past timely filing. Our client was not provided insurance information from Ms*** at time of service nor or in response
to billing invoices sent. Ms*** also did not respond to our notice sent notice sent 11.20.17. On Ms*** contacted our office due to receiving notice of tax intercept and supplied the copy of her insurance cards. Again, this information has been forwarded to our client and it will take some time to review/respond. We have sent a request for status 2.28.18. Once we hear back from our client, we will notify Ms*** of the outcome and action that may be taken.In regard to her complaint regarding Chris with our office, we will be pulling the call recording(s) to review and address as accordingly.Thank you

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
This account has still not been removed from my credit report as of today?
Regards,
*** ***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
Shakendra ***

CMC received the account from our client for collection 1/9/17. A notice of account has been sent to Ms***If Ms*** does not receive her notice of account, she can contact our office at 866-844-and we would be happy to send another notice. We will also request
validation/statement from our client and forward to her once received.Regarding the call, when Ms*** first contacted our office she verified her name but she would not verify other required identity verification information such as date of birth, address, etc. CMC does not provide account information unless an individual identifies them self with all required identity information on file. Prior to Ms*** ending the call, the representative did state his name and our company name. Ms*** called back shortly following the first call and did verify her information. With that, the representative was able to provide her with the account information that is available to us with the account listing. We will request validation/statement from our client and forward to her once received.We hope this information assists in the resolution of this matter.Respectfully submittedCredit Management Control, Inc

As previously stated, CMC has not violated FDCPA or FCRA and had responded accurately in its responses. CMC respectfully requests again that the Revdex.com close this matter.Thank you

We have found the alleged account. #***. If Ms*** could contact our office at 866-844-ext that would be great. She should speak with the supervisor, *** to go over some verifiable / identification information so we can resolve this issue. Thank you

Revdex.com: I do not trust this companySpeaking to the customer service representatives will prove that there is something not illegal going on with this companySpeaking to the company will let anyone hear the rudeness and lies that are being toldAt this time I think I will handle this the legal way and seek legal action.
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***