I've known Michael Efor several years, helping him search for parts he needed to help his customers before he became the owner of his current shopI've also recommended him to work on some of my customer's vehicles from my employment with Advance Auto Parts, proving my trust in his work ethicFrom knowing many shops who were commercial customers, most of them would not pay attention to detail and look ahead to preventing further issues with customers vehiclesMike and his partner Will provide this attention to detail and suggest additional ways to prevent possible problems in the future of every customer that brings their vehicle in for repair So of coarse, it was in my best interest to bring him my own vehicle to have a used engine and transmission imported from Japan that was purchased from an online business in TexasNot a typical task with most shops, but I knew Mike and Will could do the job professionally and could not be happier with the results!
CESI Debt Management Program is not a viable option if you wish to make your debt management process easy and painlessI have encountered nothing but poor communication and frankly lazy and incompetent employees that have negatively impacted my credit with their apathyI was enrolled in a Consumer Credit Counseling program locally in my community for a year and it was a wonderful experienceAll payments were made on time and they were proactive in communicating with my creditorsThey closed the local branch of *** and I was forced to seek out a new company to help me pay down my debtI researched CESI and saw that they have an A rating with Revdex.com and only a small number of complaintsI really find that hard to believe after my experience
I enrolled accounts into the program and set up an automated date to draft my paymentThe money was taken from my bank account on Sept 26, To this day, November 2, 2016, I have payments that still have not posted from SeptemberI called around October when nothing had posted to my accountsI was told this was and that the payments were not even sent out until 9/due to processing timeOkayI called back around 10/7/after I noticed that there was no check number for payment to one of my creditorsI was then told that that payment did not get sent and it must have been a mistakeCESI told me I would get a refund check for that amount of $I personally set up a conference call between CESI and this creditor when they did not want to accept the proposal amountThe creditor agreed to the amount but later canceled me from their program again when they did not receive this paymentI had to call several weeks later as I did not receive the refund check for the payment that was not sent, so it had to be reissuedI received the refund check in the mail October 28, to make a payment that was due in SeptemberNeedless to say, I have gotten several harassing phone calls from that creditor in the meantimeI was checking my creditors accounts online daily and even calling on occasion to see if a payment had been posted
I called back weekly to CESI to find out why my payments were not postingSecond week of October, I was told that the issue would be forwarded to their "Resolutions" department by *** (a very nice gentleman)He asked me to give the resolutions department approximately seven days to call the creditors and investigate why the payments were not postingThat was on October 14, I called back October 20, and was told that there weren't any notes on my account from the "resolutions" department and to call back in hoursI called back the next week due to time restraints at workAgain, there were "no notes" on my account as to why the payments sent out September 30, had not posted to my creditors accountsI asked to speak to a supervisor and was placed on hold for several minutesShe was very nice and offered to walk back and speak to the accounting department about the issueShe offered to call me back, but I declined and wanted to hold insteadShe came back on the line and told me that there had been an error in accounting and NONE of my electronic transfer payments (creditors total) had not been completed on 9/30/like it was documented on their website and what they had been telling me all monthI told her I wanted to withdraw from the program and that I wanted my money back and would make my payments myselfShe told me they were re-issuing the electronic payments and they should post the next dayThis was around October 18-19, I asked her about the two accounts that required payment by paper check that had not received their payments, eitherShe stated that paper checks would be reissued to those creditors but would take 5-days to even make it to themI, again, found out this was not done as I received a "refund" check in the mail yesterday (November 1, 2016) for the amount that was intended for one of those creditorsIn the meantime, that creditor (whom I also bank with), withdrew every last cent from my checking account to satisfy that credit card payment while I waited for that payment to post
I put a stop payment on my October draft to CESI due to these ongoing issues with my paymentsI received a phone call from a creditor stating that they received a notice from CESI that I was "dropped" form their program for missing a payment when in fact, I had already told CESI to withdraw me from the program due to my dissatisfactionThat is unacceptable and leaves me in poor standing with my creditors who do not know the whole situationBest Buy actually said to me "I don't know what happenedYou have a 100% history of making online payments until October of this year." That is a direct result of CESI and the disservice they have done to me and my creditors and my credit score which now shows late paymentsThey still owe me $for a payment to Paypal that never postedTh
I've known Michael Efor several years, helping him search for parts he needed to help his customers before he became the owner of his current shopI've also recommended him to work on some of my customer's vehicles from my employment with Advance Auto Parts, proving my trust in his work ethicFrom knowing many shops who were commercial customers, most of them would not pay attention to detail and look ahead to preventing further issues with customers vehiclesMike and his partner Will provide this attention to detail and suggest additional ways to prevent possible problems in the future of every customer that brings their vehicle in for repair So of coarse, it was in my best interest to bring him my own vehicle to have a used engine and transmission imported from Japan that was purchased from an online business in TexasNot a typical task with most shops, but I knew Mike and Will could do the job professionally and could not be happier with the results!
CESI Debt Management Program is not a viable option if you wish to make your debt management process easy and painlessI have encountered nothing but poor communication and frankly lazy and incompetent employees that have negatively impacted my credit with their apathyI was enrolled in a Consumer Credit Counseling program locally in my community for a year and it was a wonderful experienceAll payments were made on time and they were proactive in communicating with my creditorsThey closed the local branch of *** and I was forced to seek out a new company to help me pay down my debtI researched CESI and saw that they have an A rating with Revdex.com and only a small number of complaintsI really find that hard to believe after my experience
I enrolled accounts into the program and set up an automated date to draft my paymentThe money was taken from my bank account on Sept 26, To this day, November 2, 2016, I have payments that still have not posted from SeptemberI called around October when nothing had posted to my accountsI was told this was and that the payments were not even sent out until 9/due to processing timeOkayI called back around 10/7/after I noticed that there was no check number for payment to one of my creditorsI was then told that that payment did not get sent and it must have been a mistakeCESI told me I would get a refund check for that amount of $I personally set up a conference call between CESI and this creditor when they did not want to accept the proposal amountThe creditor agreed to the amount but later canceled me from their program again when they did not receive this paymentI had to call several weeks later as I did not receive the refund check for the payment that was not sent, so it had to be reissuedI received the refund check in the mail October 28, to make a payment that was due in SeptemberNeedless to say, I have gotten several harassing phone calls from that creditor in the meantimeI was checking my creditors accounts online daily and even calling on occasion to see if a payment had been posted
I called back weekly to CESI to find out why my payments were not postingSecond week of October, I was told that the issue would be forwarded to their "Resolutions" department by *** (a very nice gentleman)He asked me to give the resolutions department approximately seven days to call the creditors and investigate why the payments were not postingThat was on October 14, I called back October 20, and was told that there weren't any notes on my account from the "resolutions" department and to call back in hoursI called back the next week due to time restraints at workAgain, there were "no notes" on my account as to why the payments sent out September 30, had not posted to my creditors accountsI asked to speak to a supervisor and was placed on hold for several minutesShe was very nice and offered to walk back and speak to the accounting department about the issueShe offered to call me back, but I declined and wanted to hold insteadShe came back on the line and told me that there had been an error in accounting and NONE of my electronic transfer payments (creditors total) had not been completed on 9/30/like it was documented on their website and what they had been telling me all monthI told her I wanted to withdraw from the program and that I wanted my money back and would make my payments myselfShe told me they were re-issuing the electronic payments and they should post the next dayThis was around October 18-19, I asked her about the two accounts that required payment by paper check that had not received their payments, eitherShe stated that paper checks would be reissued to those creditors but would take 5-days to even make it to themI, again, found out this was not done as I received a "refund" check in the mail yesterday (November 1, 2016) for the amount that was intended for one of those creditorsIn the meantime, that creditor (whom I also bank with), withdrew every last cent from my checking account to satisfy that credit card payment while I waited for that payment to post
I put a stop payment on my October draft to CESI due to these ongoing issues with my paymentsI received a phone call from a creditor stating that they received a notice from CESI that I was "dropped" form their program for missing a payment when in fact, I had already told CESI to withdraw me from the program due to my dissatisfactionThat is unacceptable and leaves me in poor standing with my creditors who do not know the whole situationBest Buy actually said to me "I don't know what happenedYou have a 100% history of making online payments until October of this year." That is a direct result of CESI and the disservice they have done to me and my creditors and my credit score which now shows late paymentsThey still owe me $for a payment to Paypal that never postedTh