Credit Management Control, Inc.

Our client, Just Energy, has instructed our office to close the account.  The account is now closed and will be submitted for removal from the credit bureaus.\Thank you and have a good day

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I knew I didn't make the appointment and I explained my situation to the billing department when I called and asked if there was anything that could be done with the charge. I had just lost my insurance and my employment which is the only reason I did not attend the scheduled appointment. I called and tried to work with the original creditor which they were unhelpful and told me when the bill came in the mail to call and something may be able to be worked out. When I called New Wellness after the letter was received in the mail I was told the charge is there and now that it needed to be paid. I did now have a job which I told the lady who I spoke with and she said if I could pay 50% it would be settled. I had just gotten a job and needed to get back on track which I explained and also explained I would make a payment if it were cut in half but didn't know how much or just when yet. I was told to make a payment as soon as possible and before I could make a payment it was sent to collections and I disputed due to the amount I was told I would have to pay and not getting the chance to work with the original creditor on the payment and now having to work with a 3rd party company who is just collecting the debt not agreeing to what was said. I don't have a problem paying the half amount that was agreed but I will not pay for the full amount since that was not what was discussed originally.  
Regards,
[redacted]

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 were not provided the SSN or DOB with the account listing.  After reviewing with our client, we have verified that the spouse of same name is also authorized on the account.  With that information we have identified the  SSN and DOB for both same names.  We have...

determined the correct party information and it does not belong to same name with SSN ending [redacted].  We will be submitting a deletion request to the credit bureaus to remove the account from [redacted] (SSN ending [redacted]) credit file.  Please allow up to 60days for the bureaus to remove the account from his credit file. He may also dispute directly with the credit bureaus.Note that CMC did not directly report this account to his credit file.  This would be a credit bureau error. Thank you.

We have found the alleged account.  #[redacted].  If Ms. [redacted] could contact our office at 866-844-2358 ext 108 that would be great.  She should speak with the supervisor, [redacted] to go over some verifiable / identification information so we can resolve this issue. Thank you

Ms. [redacted] concern was that the account was still showing open/unpaid on her Credit Report.  She was informed that her account was paid 4/11/16 and it would be submitted to the bureaus as paid with our next scheduled submission on 5/9/16.  Our company reports on the 9th days of each month. The account was submitted on 5/9/16 to the bureaus reporting the account as paid.  It can take the bureaus 30-60 days to actually update the report.  Ms. [redacted] can also dispute the account balance directly with the credit bureaus, however that may still can take the bureaus 30-60 days to update. Thank you.

We would like to thank Mr. [redacted] 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 30 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. [redacted] complaint:   During the call on 9/19/16, the representative verified Mr. [redacted] by the service address, stated the mini [redacted] and stated the collection warning.  The representative updated Mr. [redacted] address and requested another initial notice due to the address update.  Mr. [redacted] 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. [redacted], 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 owing. The representative stated to Mr. [redacted] that the client also sends statements and a final billing prior to sending to collection but Mr. [redacted] 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. [redacted] replied with “it’s ok, it’s cool” and that he was not concerned about this bill.  The representative stated he had asked Mr. [redacted] if he was currently employed and Mr. [redacted] 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. [redacted] 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. [redacted]’ 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 10/10/16.   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 [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I continue to disagree with the company response and have asked an attorney to litigate.  It is clear that the company does not intend to change their position with the volley of e-mail messages.  I respectfully request that the Revdex.com close this complaint, listing it as not being resolved to the consumer's satisfaction.I do not wish to engage in protracted Revdex.com communication if it will not resolve the issue.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
If you are stating that they wrote off the amount you are attempting to take than why would a different billing company hired by innovative bill me and take payment? Are you saying that the provider/contracted biller took an FSA payment and never paid any medical bill due? That is what I am hearing in your messages. If that is the case I believe this entire case should be forwarded to the Federal Department for a Federal crime as FSA  money is a tax free means to only pay medically approved bills/services. Can you confirm that is what you are saying?
Regards,
[redacted]

We had received the same document/complaint directly from Mr. [redacted] via email and supplied a response to him.  We will restate with additional comments to assist in the resolution of this matter. On 10/3/16 our representative was returning Mr. [redacted]s call.  She did attempt to reach...

him several times but only had one actual contact – all other attempts were a no answer/no message left. During the contact call with Mr. [redacted], he requested validation.  Mr. [redacted] was sent initial notices on 12/13/10 for case 10TR028761, 1/10/11 for case 10TR031795 and a debt certification notice advising the 2 cases were certified with the Wisconsin Dept of Revenue for tax intercept (tax refund offset).  At no time prior to the 10/3/16 communication had Mr. [redacted] requested validation nor had he disputed the cases.  He was also sent initial notices 8/4/15 for case 10CF006192 (and associated restitution balances due).  Again, at no time prior to 10/3/16 did Mr. [redacted] request validation nor had he submitted a dispute for this case. When he requested validation during the call, the representative advised he could obtain case information online via CCAP (Wisconsin Court System Circuit Court Access).  He stated he was requesting it from us (CMC).  The rep again stated he could get the information online via CCAP.  Near the end of the conversation, the representative stated she would provide it to him.  Mr. [redacted] then stated he wanted a copy of the actual tickets that were issued.  Mr. [redacted] was informed that the Milwaukee County Clerk of Circuit Court also provides CCAP printouts as validation of debt – as these are court records of events and detail the charge(s).  If he would want a copy of the original tickets for 10TR028761 and 10TR031795, he would have to contact the Clerk of Court directly and there is a cost associated with this request – a per page cost.  Also, if he would want a court transaction for case 10CF006192 – that also would have to be requested directly from the Clerk of Courts office – with a per page cost.  This is the procedure of the Milwaukee Clerk of Circuit Court. Mr. [redacted] was addressing his restitution cases and the representative was attempting to explain that payments for restitution cases have to be paid directly to the Clerk of Court as 100% of these funds are forwarded to the victims.  CMC can accept payment for this type of case but the funds would have to be certified funds only - again, due to the funds being forwarded 100% to the victim(s). Mr. [redacted] also was notified that the cases have been certified with the Wisconsin Department of Revenue for tax intercept.  He states this to be laughable because he now resides in New York however; an offset was just received by the Clerk of Courts in September 2016. At any time should Mr. [redacted] file a tax return in Wisconsin and would be due a refund, it may be intercepted.   In the 3rd quarter of 2016 the credit bureaus deemed that these types of accounts/cases would no longer be accepted for credit bureau listings.  The credit bureaus stated they would be removing all accounts that fall under this account type.  Since these were still on Mr. [redacted]’s credit report, the bureaus evidentially had not yet removed them.  Therefore, CMC submitted removals on 10/6/16. We are not able to close and return the cases to our client as they are due & owing government debt.  They are either a judgment or civil case and can’t be closed until paid in full.  If Mr. [redacted] would like to dispute any portion of this debt or receive actual court records, he will need to contact the Milwaukee County Clerk of Circuit Court directly for information to request documents or if he disputes any portion of these cases, then he would be given instruction to reopen the cases to present his dispute in front of a judge or commissioner. Credit Management Control has not violated FDCPA nor FCRA.  We hope this information assists in the resolution of this matter. Respectfully submitted, Credit Management Control, Inc.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.As you can see they stated that they were given the past due account on 11/8/17yet I had made multiple payments to the billing provider which I have also included both the FSA payments highlighted as well as the proof of payment by Ebix the billing provider for Innovative Pain Care. I have also provided the statements which show repeated payments were made yet I continued to receive billing statements. When I spoke to the SBE-CP billing offices they stated they no longer can see my account and the Ebix billing department does not have any past due bills per [redacted] at 4144234122 Ebix number. I have more phots but limited on this system will not allow more photos
Regards,
[redacted]

No consumer enters into contract with debt collection agency (Credit Management Control, Inc.).  We are requesting full validation on the account  from our client, Just Energy for services received at 6012 Shamrock Dr from 3/20/15 through 12/8/15 and will mail to Ms. [redacted] once...

received.  Name, address and phone number listed in the inquiry match the account information.  The account will not be removed from credit reporting, however a dispute code will be sent with our next scheduled credit reporting date on or around 8.9.17.  If Ms. [redacted] feels this is fraud or Identity theft, she can provide an affidavit of fraud, copy of driver's license and proof of residency for the past 5 years (requirements of our client for fraud review).  Those documents would be mailed to CMC, PO BOX 1654, Green Bay WI 544305-1654.Thank you.

Upon receipt of this complaint, we forwarded to our client, Just Energy to verify information.  Ms. [redacted] did not provide the last 4 digits of her SSN with her complaint, but our client does have the last four as 6677.  Last 4 are also a match to the Eoscar dispute received.  They...

have currently requested the account be placed on hold pending review.  CMC has submitted a removal request to CBR pending our client’s review.  Ms. [redacted] could assist the process if she would be so kind to provide a copy of a police report, a copy of her driver’s license or other picture ID as well a copy of her SS card. This information would be forwarded to our client to assist with their review.  Once our client completes their review, the answer will be submitted to Ms. [redacted].  Ms. [redacted] may also contact [redacted] at 866-844-2358 ext. 108 for any questions.

Ms. [redacted] paid her account in full on 4/11/16 - we report to the credit bureaus once per month (9th of each month).  This account is scheduled to update as paid 5/9/16.  Ms. [redacted] contacted our office on 5.3.16 and spoke with Erica.  Erica had advised her that the assigned...

representative would contact her back.  [redacted] contacted Ms. [redacted] shortly after Ms. [redacted] call and advised her that the account will be updated with the bureaus on 5/9/16.We hope this information assists in the resolution of this matter.Thank you,Credit Management Control

Review: Recently, 3 collection accounts from Jefferson Country Courts showed up on my credit report. They were previously disputed AND removed on February 14th, 2014 by professional placement services because they were not valid. This company has submitted them back to my credit report and they are now hurting me once again. I received no correspondence.Desired Settlement: Please remove these 3 collection accounts from my credit report promptly as its negatively impacting my file.

Business

Response:

It is stongly recommended that Mr. [redacted] contact our office to verify the last 4 digits of his SSN and date of birth. Represetative phone number [redacted]. Or if he desires, he can provided both in his response to this request for him to contact our office. Should the last 4 digits of his SSN and Date of Birth not match what we have on file then we will remove the accounts from his credit report and in that event we would need his FULL SSN and Date of Birth to remove. Note, in our preliminary verification, these accounts are valid and belong to Benjamin M Kuhn whom previously resided in Wisconsin. Should the identification match, we can validate all debt on system. Thank you,

On July the 14, 2015 at I called Credit Management Control (1-920-432-3387) at 12:49pm and spoke with a male representative inquiring about an unpaid bill. The bill was from 2010 that I have never received and I was trying to get pertinent information about the so I can go ahead and pay the bill. However, the representative told me that the bill was sent back to the original creditor and they could not get any more information on the bill. After logging 4 hours total on trying to contact the right person to finally try in pay the debt, I wanted to make sure that this information was correct; that it was not possible for the representative or anyone to give me more information (Information such as the date Credit Management Control sent the bill back to the original creditor). I simply asked to speak to the supervisor and the rep would not transfer me to him. I asked nicely three separate times explaining why I wanted to simply ask his supervisor a couple questions, in which the representative gave a rude reply two and hung up the phone. Even if the representative was correct, there are better ways to get a point across. He was very rude and unhelpful from the beginning. I gave no reason for the representative to hang up the phone and not help me. If I can't even speak to a supervisor for a quick second, I wonder what other problems that this company have.

Review: The collection agency told me when I paid that they wouldn't report anything to the credit agency. When I paid in full they reported anyway. They did report as paid but I was told they wouldn't report at all.Desired Settlement: Remove from credit report

Business

Response:

Our office received the account on 9/26/12. No representative spoke with Mr. [redacted] on the account until today, Oct 7, 2014. Mr. [redacted] 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 accounts. Had he spoken to a rep from our office to make the Dec 2012 payment, he would have been told the same response as above.Today, Oct 7, 2014 he was informed that we would not remove the valid reporting from his credit report. We had reported it paid per FCRA.Thank you

I noticed this bill on my credit repot in 2012. After months of back and forth with the Hospital St. John in Brooklyn New York and Credit Management Contol NYC [redacted] I final settled the problem and received my proof of payment. Account #[redacted]. When I checked my credit report in 1/2016 I noticed it was still there. I called the collection company 3 times without a call back to find out why after 3 years this is still on my credit report. Horrible experience!

Signed up for installment plan with community organization. The dues were quite high (4-digit number). I had to pay an additional fee for this "service". After making the first payment on time, I began getting calls well before the second of three was due. They requested not only that I make the payment early, but I pay the remaining balance in full. Don't see any advantage to using this "service", since all it offers is a 2-week money loan. They need to abide by the terms they have published to consumers or let people know how this truly works. Next time, I'll pay in full or borrow money from a relative and give them the fee instead. Pretty pointless.

Review: I had an unknown debt in July 2011. I recieved a credit alert from Privacy Matters 123 about the $250 I owed without any contact from this company. I contacted the company the next day to avoid a damaging drop to my credit score and paid the debt then and there. I thought they would remove it with a simple "request to remove form" with the credit bureaus since I paid the

debt and wasn't aware I owed it but they never did. By not doing so in good faith and business practice, I lost 80 plus points to my credit score and have a derogatory account stuck on my credit score for seven years. It took me two years to reach the score I had prior and it still hasn't returned yet. I have never had a late payment prior to this on my report. When I asked them to remove the debt I was pushed off to the credit bureaus to deal with my issue. The credit bureaus told me to talk to the company or it will remain. I feel they could have took the time out of their hectic work day to do their job--repair the damage the debt collection agency caused since they reported the debt. It's the fair and just approach to placing negative debts on consumers credit files who pay them with haste.Desired Settlement: They send the form to the credit bureaus and remove the debt I paid. It would repair the damage.

Business

Response:

It is not normal business practice to remove a paid debt from a credit report however, since [redacted] paid as soon as he discovered on his report and claimed not to have received our initial notice (collection rep did have to update the address the date payment was taken) - we will submit a deletion request to the credit bureaus. [redacted] has to allow the bureaus up to 90days to actually remove the account.

I hope this information assists in the resolution of this matter.