Credit Management Control

CMC received the account 1/20/ Validation notice was sent 1/20/to her address on Sunshine Drwith no mail returnedThere were no communications with Ms [redacted] from the time of account listing 1/20/until a 04/04/phone callOn 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 [redacted] stated she had not been to the creditor’s office in 3years Ms [redacted] 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 [redacted] 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 [redacted] 4/17/with the CFPB response and again on 5/1/due to our receipt of a credit bureau on line disputeThe debt has been validated and remains due & owingWe hope this information assists in the resolution of the matterThank you

The initial notice was sent to the address originally on file on [redacted] S in Houma,TX Notices are not required to be sent via certified mail nor are we required to ensure a notice is received prior to credit reporting Though not required by law, CMC will submit a credit bureau deletion on or around (allow the bureaus up to days to remove) We will send Mr [redacted] another notice to the updated address included with his complaint Note that after days from the date the notice is sent, CMC may relist the account with the credit bureausThank you

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

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/our representative was returning Mr***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***, he requested validation.? Mr [redacted] was sent initial notices on 12/13/for case 10TR028761, 1/10/for case 10TRand a debt certification notice advising the cases were certified with the Wisconsin Dept of Revenue for tax intercept (tax refund offset).? At no time prior to the 10/3/communication had Mr [redacted] requested validation nor had he disputed the cases.? He was also sent initial notices 8/4/for case 10CF(and associated restitution balances due).? Again, at no time prior to 10/3/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 10TRand 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 10CF?" 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 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 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***’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 CareI have also provided the statements which show repeated payments were made yet I continued to receive billing statementsWhen I spoke to the Sbilling 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 Ebix numberI have more phots but limited on this system will not allow more photos Regards, [redacted] ***

We have provided original balances, dates of service, insurance payments, insurance adjustments? and outlined that the payments made to Innovative Pain Care in have been applied to the account(s) with service dates of 1/4/and 4/5/17.? ? Two of the highlighted payments on the history provided by Ms***? were payments made in? which would be for services prior to the dates of service in collection.? ? One other payment Ms [redacted] has highlighted was for CP Billing and Collect.? We are not familiar? with that company nor do we know what service provider? they were collecting on behalf of? If Ms [redacted] feels that payment to CP Billing and Collect? was for Innovative? Pain Care then she would need to? contact CP Billing and Collect to discover the creditor? name that payment was forIf? it was for Innovative? Pain Care for dates of service 1/4/and/or 4/5/17? then she would need to have that company provide a very detailed receipt that would include the creditor name &? acct#, date of service and amount & date paid.? If the receipt shows it was payments for Innovative Pain Care for date of service 1/4/and/or 4/5/then she can provide that receipt to our office to forward to our client for review.Given all the information from Ms***, we have demonstrated that the payments made in to Innovative Pain Care have been applied to the account(s) in collection with our office.Thank you,?

Originally Mr [redacted] stated he was unaware of a "no show" appointment charge.? We provided a signed agreement outlining a "no show" charge would be applied and prior to the Revdex.com communications,? a copy of Mr [redacted] invoice from our client was provide to him.? Then Mr [redacted] stated he had a settlement agreement with the client for a reduced balance to avoid collections.? Our client stated this was true, however, for 6wks there was no payment so they sent the account to collection.? We asked our client if they would reduce the balance by any amount and they stated they would not.? Mr [redacted] complaint is not about CMC or it's practices, it is technically about our client regarding a settlement in which our client felt the agreement was not kept on Mr [redacted] part so the account was sent to collection with our office.? CMC had provided validation of the debt and communicated with our client regarding a settlementWe have done all we can do to help Mr [redacted] .? ? Our clients stands with their decision in that the full amount billed is due and owing.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 days of account placement CMC received the account from our client on 6/26/ 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***, 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 [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 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***’ 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 [redacted] , and have determined that this does not resolve my complaint.? For your reference, details of the offer I reviewed appear below The business is adding additional details to the scenario in order to appear as though they have not done anything wrong? The company is attempting to justify their position with nothing more than generalizations and speculation.I am currently shopping this matter to attorneys to determine whether I should litigate? The "tax offset" that was received by the company was in fact a claim for "unclaimed funds" with the Wisconsin Department of Revenue in a small amount ($50, I believe.) ? So yes, it is, indeed, laughable Regards, [redacted] ***

6/26/16:? CMC assigned the energy account for collection with balance due of ? 6/26/through 4/1/18:? no contact or communications with Mr [redacted] neither verbal nor written ? 4/2/18:? the 1st communication with Mr [redacted] via phone.? Mr [redacted] asked for account information over the phone (creditor, amount, service dates) and that information was provided to him.? Mr [redacted] stated he was the owner of the property and stated he was going to contact the property management company then hung up.? There was no request for written documentation or debt validation? 4/25/18: CMC received Revdex.com complaint in which Mr [redacted] stated the representative was rude and offensive and that he requested documentation twice.? Claims payment was submitted for and CMC altered check to ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? CMC RESPONSE:? The call recording was reviewed and the representative was communicating professionally; at no time was the representative rude or offensive.? At no time during the call did Mr [redacted] request documentation.? CMC did not alter the payment from to 47.50.? CMC provided a copy of the check received in its exact state upon receipt.? CMC ALSO PROVIDED DOCUMENTATION ON THE ACCOUNT (FINAL BILL FROM CREDITOR AND AR SUMMARY)? 4/28/18:? CMC received Revdex.com notification that Mr [redacted] was not satisfied with the response.? Mr [redacted] provided a copy of the check written for and a copy of the check after CMC receipt showing the overwritten to (transforming the number one to a zero)? ? ? ? ? ? ? ? ? ? ? ? ? ? ? CMC RESPONSE:? CMC does not alter checks.? Upon receipt, payments are scanned and processed from the image.? CMC never alters payments.? CMC receives overpayments from as little as and up almost on a daily basis.? ? 05/10/18:? CMC received Revdex.com notification that Mr [redacted] was not satisfied with the response.? Mr [redacted] states it has been over a month since his initial request for documentation to validate the alleged bill.? Claims requests were made.? He still has not received anything.? Stated he did not overwrite the check from to ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? CMC RESPONSE:? In Mr [redacted] ’s original complaint, he stated he asked for documentation on occasions and with this current complaint, he stated he requested documentation on occasions and still has not received anything.? CMC received no requests for documentation from Mr [redacted] .? We considered his comment in the original Revdex.com complaint as request for documentation.? Said documentation was provided with CMC’s initial Revdex.com complaint response (validation by form of final bill and AR summary from the creditor).? ? ? Regarding the check payment, Mr [redacted] took a picture of his check in its original written form.? After the picture was taken of the check in its original form, Mr [redacted] would have to of been the one who changed the number to a zero as CMC does not alter payments and all payments are imaged in the exact state of receipt.? At no time, does CMC alter a payment.? Again, we receive overpayments from as little as and up on a regular basis? ? ? ? ? ? ? CMC CONSIDERS THIS MATTER CLOSED AS CMC PROVIDED DOCUMETATION ON THE ACCOUNT WITH OUT INITIAL Revdex.com COMPLAINT RESPONSE AND CMC DOES NOT ALTER CHECKS (CHECK WAS IMAGED IN ITS EXACT STATE UPON RECEIPT)

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/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/to the bureaus reporting the account as paid.? It can take the bureaus 30-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-days to update.? Thank you

Ms [redacted] paid her account in full on 4/11/- 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 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

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

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 messagesIf 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/servicesCan you confirm that is what you are saying? Regards, [redacted] ***

Upon receipt of this complaint, we forwarded to our client, Just Energy to verify information Ms [redacted] did not provide the last digits of her SSN with her complaint, but our client does have the last four as Last 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 cardThis 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-extfor any questions

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 *** We will be submitting a deletion request to the credit bureaus to remove the account from [redacted] (SSN ending ***) credit file Please allow up to 60days for the bureaus to remove the account from his credit fileHe 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 errorThank you

Ms [redacted] paid her account in full on 4/11/- we report to the credit bureaus once per month (9th of each month) This account is scheduled to update as paid 5/9/ Ms [redacted] contacted our office on 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

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 Shamrock Dr from 3/20/through 12/8/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 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 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

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 [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] [redacted]

[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 [redacted] , and find that this resolution is satisfactory to me.? Regards, Shakendra [redacted]