David Hill Builders, Inc.

Account was determined to be a case of ID Theft per our client [redacted], Inc.

Receipt of correspondence from a concerned customer is taken very seriously at American Coradius International. All issues are researched thoroughly with extra attention to the customer perspective. We documented the account in question as disputed. A copy of the complaint was forwarded to our...

client requesting validation documentation. We have ceased all activity going forward. Sincerely, Stephen M. Director, Corporate Compliance

Receipt of correspondence from a concerned customer is taken very seriously at American Coradius International (ACI). All issues are researched thoroughly with extra attention to the customer perspective. In response to Ms. [redacted]’s concerns, we ceased all activity on the account and forwarded a...

copy of the complaint to our client, [redacted] Inc. [redacted] initiated a fraud investigation on our request. We have been notified that [redacted] has recalled the account from our office as a result of their investigation and determined the account to have been opened as a result of ID Theft. Should you have any questions, you may contact me directly at [redacted].us or by telephone at ###-###-####. Sincerely, M. Director, Corporate Compliance

Receipt of correspondence from a concerned customer is taken very seriously at American Coradius International (ACI). All issues are researched thoroughly with extra attention to the customer perspective. In response to the customer’s concerns, we ceased all activity on the account and forwarded a...

copy of the complaint to our client, [redacted] Inc. We have also requested that our client review the account for fraud. We appreciate you bringing this matter to our attention and apologize for any inconvenience we may have caused the customer as a result of our contact. Sincerely, Stephen M. Director, Corporate Compliance

Receipt of correspondence from a concerned customer is taken very seriously at American Coradius International. All issues are researched thoroughly with extra attention to the customer perspective. Please be advised that we have forwarded a copy of Ms. [redacted]’s complaint to our client, [redacted]...

Banks, Inc., and we have ceased all collection efforts. We apologize for any inconvenience we may have caused as a result of our contact. Sincerely, Stephen M. Director, Corporate Compliance

Receipt of correspondence from a concerned customer is taken very seriously at American Coradius International (ACI). All issues are researched thoroughly with extra attention to the customer perspective. In response to your concerns, we have ceased all activity and forwarded a copy of your...

complaint to our client, [redacted] Credit. Upon receipt of Mr. [redacted]’s complaint, [redacted] Credit initiated a fraud investigation. We have been notified that [redacted] Credit has recalled the account from our office as a result of their investigation and determined the account to have been opened as a result of fraud. Should you have any questions, you may contact me directly at [redacted].us or by telephone at ###-###-####. Sincerely, Stephen M. Director, Corporate Compliance

Please see the attached response. We have closed the account and our client has confirmed the account was opened fraudulently.

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,
[redacted]

We referred the complaint to our client [redacted], Inc. and requested they perform an investigation related to the allegation of ID Theft. [redacted] confirmed the customer's allegations and recalled the account from ACI.

Receipt of correspondence from a concerned customer is taken very seriously at American Coradius International. All issues are researched thoroughly with extra attention to the customer perspective. Thank you for forwarding the correspondence from [redacted]. A copy Ms. [redacted]’s complaint was...

forwarded to [redacted], Inc for their review. Additionally, we have ceased all activity on the account. A detailed review of the activity performed on this account does not evidence excessive calls placed by American Coradius International as suggested by Ms. [redacted]. Ms. [redacted] also expressed concerns related to her credit record. It is important to note that neither American Coradius International nor [redacted] Inc. report consumer financial information to the credit reporting bureaus. If you should require additional information or have any questions, please feel free to contact me at ###-###-#### or via email at [redacted]@[redacted].**.Sincerely, Stephen M. Director, Corporate Compliance

We appreciate Ms. [redacted] concerns and request. Unfortunately, American Coradius International is not the account holder/owner and does not report consumer account information to [redacted]. Ms. [redacted] must make her request directly to the client in order to have this request processed.

Receipt of correspondence from a concerned customer is taken very seriously at American Coradius International (ACI). All issues are researched thoroughly with extra attention to the customer perspective. In response to the customer’s concerns, we have reviewed the call that took place on September...

11 when Mr. [redacted] called our office. As part of our verification process, we requested he provide the last four digits of his social security number. Mr. [redacted] refused to provide this information. Because of his refusal, we were not able to continue with a conversation regarding an account placed in our office. During this conversation, Mr. [redacted] requested no more calls. We placed his telephone number in our Do Not Call list and cease all further activity. Sincerely, Stephen M. Director, Corporate Compliance

Receipt of correspondence from a concerned customer is taken
very seriously at American Coradius International. All issues are researched
thoroughly with extra attention to the customer perspective. Please be advised that we have forwarded a copy of Ms. [redacted]’s
complaint to our client, [redacted]....

Inc., and we have ceased all collection
efforts at this time. We have also asked our client to initiate a fraud
investigation on your behalf. Also, neither American Coradius International LLC nor [redacted]
Inc., provide consumer financial information to the credit reporting bureaus. We appreciate you bringing this matter to our attention and
apologize for any inconvenience we may have caused because of our contact. Sincerely, Stephen M. Director, Corporate Compliance

Receipt of correspondence from a concerned customer is taken very seriously at American Coradius International. All issues are researched thoroughly with extra attention to the customer perspective. Please be advised that we have forwarded a copy of Ms. [redacted]’s complaint to our client, [redacted], Inc....

We have also ceased all collection efforts at this time. We appreciate Ms. [redacted] bringing this matter to our attention and apologize for any inconvenience we may have caused her as a result of our contact. Sincerely, Stephen M. Director, Corporate Compliance

Receipt of correspondence from a concerned customer is taken very seriously at American Coradius International. All issues are researched thoroughly with extra attention to the customer perspective. Mr. [redacted] sent correspondence to American Coradius International, LLC dated November 23, 2015. His...

correspondence was received and processed in our office November 28, 2015. In accordance with his wishes, we notified our client of his request for validation of the account. Additionally, in his letter, he requested no more calls. As a result of this request, we have ceased all activity. According to our records, no calls were placed on the account since November 23, 2015. Sincerely, Stephen M. Director, Corporate Compliance

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,
[redacted]

Receipt of correspondence from a concerned customer is taken
very seriously at American Coradius International. All issues are researched
thoroughly with extra attention to the customer perspective. Thank you for forwarding the correspondence from [redacted]. In response to this correspondence,...

we immediately ceased all activity
and notified our client, [redacted] Credit of the customers concerns. Please note, the customer’s account was opened prior to our
client’s rebranding from [redacted] to [redacted] Credit. The following is
information supplied by our client the better assist customers in understanding
the rebranding transition.  “Please be advised that as of
August 1, 2014, [redacted]® was rebranded to [redacted] Credit. This was
purely a product name change and had no impact on how your Account functions.
 The lender for [redacted] Credit Accounts is still [redacted] Bank and Accounts will continue to be serviced by [redacted],
Inc.  Further, a change in terms notice was sent to [redacted] account
holders describing the changes to the [redacted] Terms and Conditions,
including the rebrand of the product name to [redacted] Credit.  The new
[redacted] Credit Terms and Conditions became effective as of August 12, 2014.”  Additionally, the customer has expressed concerns related to
credit reporting and an inquiry by ACI on her credit report. Please note, the
inquiry by ACI was in response to the account placed by [redacted] Credit. It is a
Marketing Inquiry and is not visible to anyone other than the customer and ACI.
Additionally, [redacted] Credit does not currently report customer financial
information to the credit reporting bureaus. This is why the account does not
appear on her credit report. As a result of a review of Ms. [redacted]’s concerns, [redacted] Credit has advised us there are no signs of suspicious activity. However, the
account has been recalled from our office and future attempts to resolve the
outstanding balance have ceased. We apologize for any inconvenience caused as a result of our
attempts to contact Ms. [redacted] and appreciate her notifying us regarding her
suspicion of possible fraud. If you should require additional information or have any
questions, please feel free to contact me at ###-###-#### or via email at [redacted].**. Sincerely, [redacted] Director, Corporate Compliance

Customer failed to provide information necessary to locate the account. We have located it now - see the attached response.

Receipt of correspondence from a concerned customer is taken very seriously at American Coradius International. All issues are researched thoroughly with extra attention to the customer perspective. Ms. [redacted] was contacted regarding her [redacted] Trust account placed in our office. She has...

been making regular monthly payments on an interest bearing account. It is standard operating procedure for our representatives to make scheduled contact with customers that have a payment plan arrangement to inquire if they have the ability to increase their monthly payment. Increasing monthly payments helps reduce the balance at a faster rate. Further, we encourage customers to use their tax refunds to pay down existing debt as this too allows them the opportunity to pay down their balance and/or take advantage of seasonal offers presented by our clients; such as reduced balance settlement offers. We appreciate Ms. [redacted]’s concerns, however the conversation referenced in her correspondence was handled in a professional manner. If a customer cannot take advantage of opportunities to increase scheduled payment amounts or a reduced balance settlement, that is acceptable and documented in the account notes. We apologize if Ms. [redacted] believes our actions were unprofessional. The offers presented to her were in her best interest, despite her thoughts to the contrary. We will continue to accept her monthly payments and may reach out to her in the future to see if her situation has changed to allow her the opportunity to take advantage of future offers. Sincerely, Stephen M. Director, Corporate Compliance

Receipt of correspondence from a concerned customer is taken very seriously at American Coradius International. All issues are researched thoroughly with extra attention to the customer perspective.  After a detailed review of the account placed in our office by [redacted] Credit, American Coradius...

International has not had any direct contact with Ms. [redacted] as of January 25, 2016. The account in question was recently placed in our office (January 12, 2016). Prior to the complaint filed with the Revdex.com, we were not made aware that the account was disputed. As a result of having forwarded a copy of the complaint, [redacted], Inc. has recalled the account and closed it with our office and suspended all activity. We appreciate Ms. [redacted]’s frustration, but must disagree with her assessment that American Coradius International LLC has acted inappropriately. Sincerely, Stephen M. Director, Corporate Compliance