CREDIT PROTECTOR PROCESSING CENTER

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 dispute Please enter your reason(s) for rejecting the business response below Regards, [redacted] I made and statement since I started my complaint against the Account care Protection about how I was misled towards the way my account cards with [redacted] were going to be covered and protected and by the lack of information provided to me on how I could get those benefits and also saying and offering one thing and doing another completely different at the time of requesting them They take full advantage of me as a customer who believed in their trustful image and now finding out who they really are They have been going around and around this issue just to play with me and after they responded that they would not continue with my case and will not answer anymore to my demands because I was going to receive the reimbursement for all the payments made to The Account Care Protection, They , the account care protection, now as I suspected I received a letter from Customer Service that my enrollment with them has been cancelled BUT ALSO THAT I WILL NOT RECEIVE BACK ANY OF THE FEES THAT I HAVE ALREADY DONE TO THEM, THAT MEANS ZERO MONEY BACKIf I HAVE ANY QUESTION TO CALL THE NUMBER WHICH I HAVE BEEN CALLING ALL THE TIME AND DO NOTHING JUST TELL MORE LYESTHEY TOLD ME THAT THE REIMBURSTMENT WOULD BE REFLECTED ON THE BALANCES OF MY *** CREDIT CARDS, THEY PAY NOTHINGThey are just abusing and taking advantage of us their customersThey make you believe, say, write and promise things they will never doThey as a big corporation intimidate us and play with the rights of all of us in this case mine, because nobody stand against them they believe that they are untouchable and above the law , I am not the only one but just like me we had lived from our weekly paychecks and could not afford a lawyer to obtain justice and to stop other people from being rip off as I has beenThat is why I thank GOD that I did found you, Revdex.com FTWORTH TEXAS , to get the support, help and the hope that they will not get away with my money for which I work hard to get it, not by stealing nor by lying and taking advantage of other people as Account care Protection has done it until now with mePLEASE HELP ME OUT INVESTIGATE THIS COMPANY AND YOU WILL FIND A LOT OF UNFAIR AND UNJUST ABUSES AS HEY ARE DOING WITH MEPLEASE , Revdex.com FTWORTH TEXAS, HELP ME, HELP ME, I believe on you to defend our rights and to make those businesses like Account Care Protection respect the law and our rightsDO NOT LEAVE ALONE BECAUSE THEY ARE DOING WHAEVER THEY WANT WITH ME BECAUSE I DO NOT HAVE THE MONEY TO FIGHT THEM BACKTHANK YOU AGAIN AND I WILL BE GRATEFULL FOR YOUR UNCONDITIONAL SUPPORT TO MAKE JUSTICE PREVAIL Thank you again, [redacted]

This letter is in response to a follow up complaint filed with the Revdex.com, received in ouroffice on AprilS, To date, we have not received any benefit information from Mr [redacted] and wehave provided detailed responses to your department regarding Mr [redacted] concerns on March 10,2016, March 22, 2016, and our final response on April4, No additional response is warranted.If you have any questions or need additional information regarding AccountCare benefits, please feel freeto contact the AccountCare Processing Center at [redacted]

In Mr*** follow up correspondence, he expresses concerns regarding his recent Spanish telephone callto our Customer Service Department on February 29, We have reviewed our telephone records and havebeen unable to substantiate his allegationsThe representative handling the call provided correct benefitinformation and reviewed the documents required to consider a job loss event benefitTo date, we have notreceived any benefit information from Mr***.In Mr*** * correspondence to your department, he indicates that he would like his AccountCare programfees refundedOur records indicate that Mr*** is still actively enrolled in the optional AccountCareProgram on each of his credit card accounts, ending in *** and *** Enrollment is AccountCare is optionaland if Mr*** chooses to discontinue his enrollment and request a refund of fees, he may do so by calling*** and select option when prompted, for enrollment in or to discontinue enrollment in theprogramAccording to the AccountCare Terms and Conditions, the protected person must be enrolled in theAccountCare program before the date of the covered event and at the time of the covered eventIf Mr.*** chooses to discontinue his enrollment in the program, he would still be eligible for benefits forcovered events that occurred while he was enrolled in the AccountCare programWe previously provided acopy of the AccountCare Terms and Conditions for your review.We value our card members and trust this additional information has been helpful in resolving Mr***concernsIf you have any questions or need additional information regarding AccountCare Plus benefits,please feel free to contact the AccountCare Processing Center at ***

This letter is in response to a follow up complaint filed with the Revdex.com, received in our officeon March 29, We have continued our review of Mr*** file and provide the followinginformation.In Mr*** correspondence to your department, he indicates that in our previous response, we indicatedthat "payments to AccountCare are optional." We did not indicate this informationWe stated that enrollmentin the AccountCare Program is optionalAccording to the AccountCare Terms and Conditions (copypreviously provided), "During the time it takes us to process your claim, you must make your payment(s) asrequired under your Card AgreementEven if we approve your Monthly Credit or Account Balance Credit,you can use continue to use your account for purchasesInterest charges and monthly fees (exceptAccountCare fee) will continue to accrue on your accountYou are responsible for any amounts that you oweus after we post the creditYour account still remains subject to the Card Agreement." In addition, theAccountCare Terms and Conditions state, "You must be enrolled in AccountCare on the date of the event.You must provide completed claim forms as required by us." To date, we have not received any benefitinformation from Mr*** for his job loss event.On March 22, 2016, our records indicate Mr*** notified us of a disability event on each of his credit cardaccount numbers, ending in and Based on the information he provided on his call, his disabilityevent occurred on January 1, On March 22, 2016, we mailed benefit verification forms to Mr***for completionUpon receipt of the required benefit information, Mr*** benefit requests will receiveour prompt attention.For Mr*** accounts ending in and 8040, our records indicate his AccountCare programenrollments have been discontinued per his request; however, when Mr*** called and cancelled hisenrollments, our records do not indicate he requested a refund of program feesWhile the AccountCareProcessing Center handles benefit requests; a separate department handles enrollment, cancellation, and feerelated requests; hence the reason we previously instructed Mr*** to contact the correct department bytelephone to request cancellation and a refund of fees, if he elected to do soWe have forwarded Mr.***'s request for a fee refund to the correct department for review.Mr*** ***April 4, 2016We trust this additional information has been helpful in resolving Mr*** concernsSince we have notreceived any benefit information, we have completed our investigation and this will be our final responseIfyou have any questions or need additional information regarding AccountCare benefits, please feel free tocontact the AccountCare Processing Center at ***

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 dispute
Please enter your reason(s) for rejecting the business response below
Regards,
*** ***
"It is important to remember to keep your account current while you are awaiting a decision regarding your eligibility for benefits" This is the statement I received in writing and by phone and on each letter I received when requesting to receive some benefits every single timeThis is clear that they are referring to the ACCOUNT CARE ACCOUNT PAYMENTS not the *** *** *** interests or charges from purchases. As they should have noticed my wife's bank account has been doing the payments all of these years and also that my credit cards accounts were cancelled to be used to get or make any kind of purchase since a few years agoSo it is very obvious that the only movements and charges on each *** cards have been interests , a percentage of the purchase amount owed and of course THE ONES FROM ACCOUNT CARE PROTECTION which now they tried to look that only the enrollment was the optional decision; when I never mentioned for me stop or not to pay the credit cards while any decision was takenI always talked to them about the ACCOUNT CARE PROTECTIOON PAYMENTS to cancelled my balances on the *** credit cards which I did mentioned every time if they could do the total payments on the balances. What or why would have been my stupid interest or reasons to continue paying the account care accounts all of these years if I could not use my credit cards at all, if very clear that because if they had known that they had not told me by phone and on writing that I had to be current in their accounts to be eligible for account care benefits. Yes I requested benefits from ACCOUNT CARE for UNEMPLOYMENT but I tried to complete and get the statement that they requested and just because I had never got any unemployment benefits nobody will provide with it even though I can prove by a Social Security Record, Income taxes and state food benefits that I have not work for the last four years and three monthsBUT THEY WILL NOT TAKE THAT THEY WANT AND STATEMENT FROM AN AGENCY TO BE CONSIDEREDAnd yes I requested disability benefits from account care because of my sicknesses and mentioned that I was in the Hospital for anxiety on January of this year because the person that I talked to ask me of what kind of sicknesses I was referring to and if I has been in the h

This letter is in response to a complaint filed with the Revdex.com, received in our office onMarch 10, 2016. We have reviewed Mr. [redacted] file and provide the following information.Our records indicate Mr. [redacted] enrolled in the optional AccountCare Program in connection with twoof...

his credit card accounts, ending in [redacted] and [redacted]. For account ending in [redacted], Mr. [redacted]AccountCare Program enrollment became effective on December 4, 2007. For account ending in [redacted],Mr., [redacted] AccountCare Program enrollment became effective on December 16, 2007. AccountCareTerms and Conditions are mailed to card members shortly after enrolling and contain informationregarding benefits offered, qualifications, and exclusions. The Terms and Conditions also provideinformation regarding how benefits are administered should a protected person experience a coveredevent. We have enclosed a copy of the AccountCare Terms and Conditions in effect for Mr. [redacted]event date and the most current AccountCare Terms and Conditions for your review.According to the AccountCare Terms and Conditions, in Section 4. "What is the status of my accountwhen I request benefits?", the Terms and Conditions state, "After you return us properly completedbenefit verification forms and requested proof, and if we approve the benefit, we will cancel the amountdescribed in Section 3 above."On December 13,2012, we received notification of Mr. [redacted]job loss event by telephone. Based onthe information Mr. [redacted] provided on the call, his job loss occurred on December 11, 2011. OnDecember 13, 2012, we mailed benefit verification forms to Mr. [redacted] for completion. On January 21,2013, we sent a reminder letters to Mr. [redacted] as we had not received any benefit information. OnFebruary 22, 2013, Mr. [redacted] requests for benefits closed due to lack of benefit information.On February 29, 2016, our records indicate Mr. [redacted] telephoned and requested benefit verificationforms. On February 29, 2016, we mailed benefit verification forms to him per his request. To date noMr. [redacted]March 10,2016benefit information has been received. Upon receipt of fully completed benefit information, Mr.[redacted] requests will receive our prompt attention.In Mr. [redacted] correspondence, he indicates that he would like AccountCare program fees refunded.Our records indicate that Mr. [redacted] is still actively enrolled in the optional AccountCare Program oneach of his credit card accounts, ending in [redacted] and [redacted]. Enrollment is AccountCare is optional and ifMr. [redacted] chooses to discontinue his enrollment and request a refund of fees, he may do so by calling[redacted] and select option 3 when prompted, for enrollment in or to discontinue enrollment in theprogram.We have enclosed our benefit correspondence for your review.We value our card members and trust this additional information has been helpful in resolving Mr.[redacted] concerns. If you have any questions or need additional information regarding AccountCarePlus benefits, please feel free to contact the AccountCare Processing Center at [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 dispute.
Please enter your reason(s) for rejecting the business response below.
Regards,
[redacted]
I realized that on paper everything looks and sounds great but let see in reality what would be the actual facts and the true story at the end on this matter. Stated on the letter by the Investigation Specialist, I could request a refund of fees so I have done it, hoping that when he talked about refund of fees he is talking about the full amount already paid to them, Account Care,  not for an amount just out of the blue to cover it up their responsibility just to look good to their own eyes. Lets be fare , ethical and honest as I have been with them all the time by paying every single month and at the end they did not even move a penny to help me out. Now, I am suffering anxiety, depression, high blood Pressure, getting blind from cataracts and needing hearing aid because hearing loss and so on seeing a  Psychiatry, Psychology, Primary doctor and taking a bunch of medications. I just wanted them to respond when I needed them and for what I had been paying for so many years since 2007. Their profit is more important than any customer as long as they can continue making money on people like me who believed in their integrity in supporting us who had been loyal to them for so many years. I just want all my fees back because at least with that money I could have just paid off my accounts with [redacted] without them playing to be the good guys. I will continue and prove sooner or later of my real health conditions and that  they denied to provide me of any help at all. That is why I am asking for justice and claiming what I deserve for what I has been paying for. Also as the Investigation Specialist stated on his letter that the payments to Account Care are optional, I just received a letter dated 3-22-16 where they specifically stated that " in order to CONSIDER your request for Account Care benefits.... it is important to remember to keep your account current while you are awaiting a decision regarding your eligibility of benefits". So this prove that when he, the Investigation Specialist,  says one thing other people in the same company differ from his statement. As it has been all the time , they were not clear when I accepted the protection if evidently they  contradict each other when talking about the same thing. So who do we have to believe none of them ? or me that I have both letter, the one from the Investigation Specialist who declares that I do not have to be current and that I can still get the  benefits for during the time I had paid before or  the person who  from customer service is requiring me  to be current to expect and receive  any benefits. I just want this to end but not based on promises or lies or playing dumb to take advantage of and discourage me from continuing in getting my money back. It would be nice of them to cancel in full my balances in the [redacted] credit cards too because so far none of them is telling the true about solving this issue. Just going around and around with no actual results and that is why I beg you Revdex.com FT. Worth Texas do not leave me ever along until this case is declared solved in good and ethical terms. Do not allow them to continue framing people, make my case public if needed as soon as possible I can give you a copy of the letter sent by customer service and see how the rest of the public and customers of Account Care react to this complaint. My anxiety and depression is getting worst so thank you again Revdex.com Ft. Worth Texas for your support and help. Sincerely,[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 dispute.
Please enter your reason(s) for rejecting the business response below.
Regards,
[redacted]
I made and statement since I started my complaint against the Account care Protection about how I was misled towards the way my account cards with [redacted] were  going to be covered and protected and by the lack of information provided to me  on how I could get those benefits and also saying and  offering one thing and doing another completely different at the time of requesting them.  They take full advantage of me as a customer who believed in their false trustful image and now finding out who they really are.  They have been going around and around this issue just to play with me  and after they responded that they would not continue with my case and will not  answer anymore to my demands because I was going to receive the reimbursement  for all the payments made to The Account Care Protection, They , the account care protection,  now as I suspected I received a letter from Customer Service that my enrollment with them has been cancelled BUT ALSO THAT I WILL NOT RECEIVE BACK ANY OF THE  FEES THAT I HAVE ALREADY DONE TO THEM, THAT MEANS ZERO MONEY BACK. If I HAVE ANY QUESTION TO CALL THE NUMBER WHICH I HAVE BEEN CALLING ALL THE TIME AND DO NOTHING JUST TELL MORE LYES. THEY TOLD ME THAT THE REIMBURSTMENT WOULD BE REFLECTED ON THE BALANCES OF MY  [redacted]   CREDIT CARDS, THEY PAY NOTHING. They are just abusing and taking advantage of us their customers. They make you believe, say, write and promise things they will never do. They as a big corporation intimidate us and play with the  rights of all of us in this case mine, because nobody stand against them they believe that they are untouchable and above the law , I am not the only one but just like me we had lived from our weekly paychecks and could not afford a lawyer to obtain justice and to stop other people from being rip off as I has been. That is why I thank GOD that I did found you, Revdex.com FT. WORTH TEXAS , to get the support, help and the hope that they will not get away with my money for which I work hard to get it, not by stealing nor by lying and taking advantage of other people as Account care Protection has done it until now with me. PLEASE HELP ME OUT INVESTIGATE THIS COMPANY AND YOU WILL FIND A LOT OF UNFAIR AND UNJUST ABUSES AS HEY ARE DOING WITH ME. PLEASE , Revdex.com FT. WORTH TEXAS, HELP ME, HELP ME, I believe on you to defend our rights and to make those businesses like Account Care Protection respect the law and our rights. DO NOT LEAVE ALONE BECAUSE THEY ARE DOING WHAEVER THEY WANT WITH ME BECAUSE I DO NOT HAVE THE MONEY TO FIGHT THEM BACK. THANK YOU AGAIN AND I WILL BE GRATEFULL FOR YOUR UNCONDITIONAL SUPPORT TO MAKE JUSTICE PREVAIL Thank you again,[redacted]

Dear Ms. [redacted]
This letter is in response to a complaint filed with the Revdex.com, received in our office on June 17, 2015. Ms. [redacted] letter is dated October 9, 2012. We have reviewed Ms. [redacted] file and provide the following information.
Our records indicate Ms. [redacted]...

enrolled in the optional AccountCare Plus Program in connection with her Sears credit card account, effective March 31, 2012. AccountCare Plus Terms and Conditions are mailed to card members shortly after enrolling and contain information regarding benefits offered, qualifications, and exclusions. The Terms and Conditions also provide information regarding how benefits are administered should a protected person experience a covered event. Our records indicate Ms. [redacted] AccountCare Plus enrollment was cancelled on July 9, 2013. We have enclosed a copy of the AccountCare Plus Terms and Conditions in effect at the time of Ms. [redacted] event for your review.
According to the AccountCare Plus Terms and Conditions, in the Section entitled, When do benefits end?, “Benefits automatically end for the covered event on the date: the protected person does not submit completed benefit verification forms or proof as requested by us and in the time required by us.” In addition, the Terms and Conditions state, “When your benefits end, you are responsible for your entire payment obligations as required under your Card Agreement.”
On August 6, 2012, we received notification of Ms. [redacted] disability event, which occurred on June 11, 2012. To date, four Monthly Credits have been issued for this event, for the period June 11, 2012 through November 8, 2012, in accordance with the AccountCare Plus Terms and Conditions. On October 11, 2012, we received this exact letter from Ms. [redacted] and we responded to her on October 18, 2012. We have enclosed a copy of our response for your review. On November 27, 2012, we sent a reminder letter to Ms. [redacted] as her continuing benefit information had not been received. On December 17, 2012, Ms. [redacted] claim closed due to lack of benefit information. To date, no additional benefit information has been received.
In order to consider additional benefits for Ms. [redacted] disability that occurred on June 11, 2012; fully completed, signed and dated, benefit verification forms will be required from Ms. [redacted] and her physician. The physician statement should include verification of continuing disability from June 11, 2012 to the date Ms. [redacted] was released to return to work. We have enclosed a continuing benefit verification form for Ms. [redacted] convenience.
We value our card members and trust this additional information has been helpful in resolving your concerns. If you have any questions or need additional information regarding AccountCare Plus benefits, please feel free to contact the AccountCare Processing Center at [redacted].
Sincerely,
[redacted] Investigation Specialist

This letter is in response to a follow up complaint filed with the Revdex.com, received in ouroffice on AprilS, 2016. To date, we have not received any benefit information from Mr. [redacted] and wehave provided detailed responses to your department regarding Mr. [redacted] concerns on March 10,2016, March 22, 2016, and our final response on April4, 2016. No additional response is warranted.If you have any questions or need additional information regarding AccountCare benefits, please feel freeto contact the AccountCare Processing Center at [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 dispute.
Please enter your reason(s) for rejecting the business response below.
Regards,
[redacted]
Yes, my wife is still paying the fees for the [redacted] cards account care protection because I was told not as an option to continue paying or not based on my decision but because the persons I talk in the phone  those times made it clear that If I discontinue making the payments I would automatically not be able to receive any benefits at all given that THE PROGRAM WILL BEING ALREADYCANCELLED FOR LACK OF PAYMENTS. I do not call that an option, it is an intimidation way to force us to continue making the payments and giving us false hopes for some benefits that they know ahead of time that will not carry on or stand up for to honor them. IT IS A COMPLETE SCAM AND RIP OFF. If there were any signs from them of being HONEST AND RESPONSIBLE COMPANY, they should reimburse all my payments made  to them and pay out in full the actual balances on the [redacted] credit cards.  Also in my last conversation by phone , IN SPANISH,  with one of their representatives I explained  him that the papers they were asking me  to gather for them were  impossible to get them and  he said: " then you will get no benefits from us at all but if you still want to keep a chance alive for us to do something on your behalf later on you will have to continue making the payments because if you do not make the  payments and  be current with them your accounts with us will be close automatically and you do not stand a chance but I will still send you the forms again for you to fill but I doubt it that we will do anything we may just consider your case but that is maybe ".  They are reluctant, false and abusive of our good faith and economic needs to suck us to commit a clear fraud. I am not the only one, there are hundreds and hundreds of cases like mine, please investigate and make them stop and pay. They are lying when they say they are willing to help because they are not, they do not explain everything we must know when they offer the service or the protector plans if they were acting accordingly as they should why there are TOO MANY PEOPLE UNSATISFIED WITH THEIR RESPONSES AND LACK OF STAND UP TO HONOR THEIR RESPONSIBILITIES ?. And YES, I want my money or payments made to them be reimburse to me and my [redacted] credit cards current balanced to be paid in full. I even told the associate who took my call that I was having a lot of health problems including depression, anxiety and so on because of the debts stress and that I needed their help to pay my accounts but he did not care about it and when I say he  did care about it I mean not for my health but for my incapacity to make  the payments and for them to do it , He just repeated that HE COULD NOT SEE THE WAY THAT THEY COULD PAY ANYTHING ON MY ACCOUNTS WITH SEARS.  PLEASE DO NOT LEAVE ALONE AND HELP ME OUT TO SOLVE THIS ISSUE AGAIN THIS PEOPLE WHO ARE JUST LOOKING FOR THEIR INTEREST NOT FOR THE COMSUMERS AND CUSTOMERS BENEFITS  LIKE ME WHO ARE BEING IGNORED COMPLETELY BY DOING NOTHIN ON OUR BEHALVES. Thank you again Revdex.com Ft. Worth Texas for your support.