At DMB Financial, we place a high value on service and we take these complaints very seriously We have reached out to this customer by phone several times, but she has emailed us back to say that she does not want to speak by phone It can be difficult to solve complex communication
issues by email, but this customer is not willing to speak with us.We reviewed the file, and it is clear that her expectations were not realistic as to the value of the program She enrolled in a month program at per month to negotiate and settle all of her debts She was months into that program, and already received substantial value from it We were able to negotiate and set up settlements with of her accounts, and the funds we being paid on those It is our belief that if she stayed with the program she would be debt free within the month timeframe as scheduled Below is a listing of the results negotiated for her. Creditor Balance Settlement Amount Settlement Fee ** *** $13,696.86 $7,000 $3492.47 *** *** $6576.39 $2301.74 $1606.04 The *** settlement has been paid, and the ** *** account is in the process of being paid The money that the customer drafted in was used for these settlements and fees in accordance with the enrollment agreement the customer signed at the start of the program Per request from the consumer, we have provided her with the full accounting of where every penny went since she started the program This statement is available through *** *** ***, who is the 3rd party payment processing company whop holds the funds Despite this information being provided and the customer clearly receiving value and savings from the program, the consumer has asked us to stop future drafts By doing so, we will have not choice but to cancel her from the program since we cannot negotiate with funds that are not there We respect her right to address these debts on her own, and we wish her the best of luck We have instructed her through email that she is free to take over the remaining payments on the ** *** settlement if she chooses, which will provide her even more savings We believe that we have acted in good faith and given our best effort with this consumer We also see that she has gotten results and received value from the program while during her short time of being active. We are happy to discuss this situation with the consumer further, if she is willing to speak to us
We have contacted each of this consumers creditors and confirmed that the accounts are indeed settled and closed. We have also compiled the documentation that supports the resolution of each of the consumers accounts. We have sent this consumer an email containing this supporting documentation, per her request. The program was completed as originally scheduled. If the consumer has any issues in the future with any of these accounts, they can contact us and we will help them resolve it. Thank you
Ms ***, As stated in the first response, your debts have all been resolved and your program is completedThe attachment you sent was a copy of the before mentioned email that caused the confusion in the first place. That email was a system generated email that was sent to you, prompting you to contact our office. Please contact our office if you have any additional questions
We have contacted Mr [redacted] and reviewed the numbers with him. He was no aware that 2 payments had been made to the bank through his program, which was where the rest of the money had gone. He verbalized to me on the phone that we had answered his questions and that was all that he...
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
[redacted]
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint...
#[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
[redacted]
At DMB Financial, we put our customers first. We work hard to create a positive experience for each person that is seeking our help. We are sorry to hear of this client's experience.We have spoken with the customer and worked out a resolution to this complaint. The...
customer received significant value and savings from the program, and all of her debts are now resolved. We wish her the best of luck in the future. -DMB Financial
Ms [redacted], We have reached out on your behalf in regards to the [redacted] account. They made a mistake and had not cashed the final payment on this one, even though they had the payment. This is why it ended up at the law firm for further collections. We have contacted them, and they have opened up an internal dispute on this account through their dispute resolution program. As a result, this account was pulled back from the law firm to be reviewed at [redacted], and there is no longer a threat of litigation. The dispute process can take up to 30 days to resolve on their side, and they will be sending a letter to the customer when the dispute review is finished. At that point, we have requested that customer send us a copy of the letter so that we can make sure the account gets resolved for the same amount listed. Thank you for your patience.
We spoke with this consumer today about her program and we were able to clarify some of the details of how it works. The client was mainly upset that one of her creditors deducted a payment from her checking that she was not anticipating and did not authorize. This payment has set her...
back significantly, and she is going to attempt to stop the payment, as we are negotiating a settlement on her behalf with that creditor. The creditor had her payment info from before she started the program, and it did not have anything to do with the program. We have settled one of her accounts already and she is building funds towards another. This customer is making progress, and we anticipate the program will go as estimated.
We spoke with the client today. We were able to settle an account for this customer and we are completing her from the program. She no longer needs to draft in. -DMB Financial
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I...
understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
[redacted]
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted].{I have to see the outcome of this investigation. Until then I will accept my satisfaction on how they are fixing and taking care of this issue. Now they haven't said anything about [redacted] payments that were never taken . Where is that money?
Regards,
[redacted]
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below.
My initial contact with Mr. [redacted], back in July was prompted by the Law Suit notice from **'s Attorney, his reply to my inquiry was very dismissive, confirming though that the account had not been paid off, upon my insistence, he said he would look into it and call me back , However I never heard back from him.After having received the first and second email from [redacted], I phoned him once again, I was told that he was not available and that besides he would not be able to do anything in his role as the director.His current emails and phone message once again carry the same dismissive tone, the copy of the forwarded emails,are NOT automated, please read them and review the attachment [redacted] sent with the second one.At present I need documentation as proof that the accounts have all been settled.Thank you .
Regards,
[redacted]
We spoke with the client on the phone today, and wen through her concerns. She has completed from the program, and has some funds left over that were drafted in and not needed for settlements. We agreed to send the $399 back to her. She was satisfied with this resolution. It...
may take a few business days to be received. We are pleased with the results this consumer received through the program, and we apologize for the misunderstanding at the end.
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted].
Thank you for taking the time to share this information with us. DMB Financial has a customer's driven culture, and we take complaints like this very seriously. We apologize for the confusion in regards to this client's program. Fortunately, we were able to call and speak with...
the consumer directly today. We were able to get to the bottom of the issues he is experiencing and we are working it out to make sure his needs are met. Thank you
Mr. [redacted] enrolled in our Tax Prep program on April 6th, 2016. (an option service that we make available to our customers) Due to the fact that this is very close to the April 15th deadline, we filed an extension to have the time to complete the tax return for him. The IRS has...
added a Failure to File penalty of $205 in error, since we did in fact file an extension for this customer. Our tax preparer is sending a letter asking that this $205 penalty be removed, and he is including documentation that shows the extension was filed. This letter is going out today. (A copy of the letter is also being issued to the client today) I have attached a copy of this letter to this response. After the penalty of $205 is removed, the client will still need to pay his remaining balance for taxes due of $306.58.We will continue to monitor this issue with IRS for this client and stay in communication with the consumer. We apologize for the inconvenience this may have caused the client, but as it gets resolved there wont be a monetary impact to it. We understand that every dollar helps, and we will continue to work hard to help improve this client's overall financial situation. Please call our office if you need any additional information. Thank you.
RE: Complaint # [redacted] Dear Ms. R[redacted]: Thank you for your follow-up message. The University of Phoenix has reviewed this complaint submitted by [redacted] and responded directly to the complainant. Due to privacy laws the University of Phoenix cannot release the results of...
our findings or communications with the complainant without the required written authorization. If you need additional details that will enable you to close this issue, please contact the complainant. Best regards,Joel R[redacted]Dispute Management Administrator University of PhoenixOffice of Dispute Management [redacted]
[redacted]
[redacted] [redacted] [redacted]
[redacted]
I have called and email the consumer with an explanation to the items listed. At this point we have not spoken live.At DMB Financial, one of our primary goals is to provide consumers with a reasonable alternative to bankruptcy. We regret to see our customers resort to that route....
We are sorry to hear about this costumers experience, but need to clarify a few points in the complaint attached.First off, we are not a consolidation program. While that is only one word, it implies a very different type of program and industry. We have a debt settlement program which is very different, and focuses on negotiating settlements on behalf of customers to maximize the savings and value they receive. Secondly, we don't "collect" the money, as implied by this consumer. The money is drafted into a dedicated trust account in the customers name, and stays there until a settlement is reached. The money runs through a third party payment processing company. The customer was 5 months into a 42 month program and had already started to see results. We believe that the client would have received significant results and savings had she stayed with it. Unless she has a number of other debts elsewhere, bankruptcy was not necessary in our opinion. She drafted 5 times into her dedicated account, for a total of $1781.15. Of those funds, we did negotiate and settle one of her accounts with [redacted] for 50% of what was owed. This settlement used $701.50. (The balance was $935.39 and it was settled for 467.67, and had a settlement fee of $233.83) There were bank fees charged during the program by [redacted], the processing company, of $83.75. The remaining $995.90 is in her account and being sent back to her today as a typical course of doing business when someone cancels. We have acted in good faith to help this person and she did receive some value early in the program. We wish her the best of luck in the future. The consumer is still free to contact us to discuss this in further detail. -DMB Financial
At DMB Financial, we place a high value on service and we take these complaints very seriously We have reached out to this customer by phone several times, but she has emailed us back to say that she does not want to speak by phone It can be difficult to solve complex communication
issues by email, but this customer is not willing to speak with us.We reviewed the file, and it is clear that her expectations were not realistic as to the value of the program She enrolled in a month program at per month to negotiate and settle all of her debts She was months into that program, and already received substantial value from it We were able to negotiate and set up settlements with of her accounts, and the funds we being paid on those It is our belief that if she stayed with the program she would be debt free within the month timeframe as scheduled Below is a listing of the results negotiated for her. Creditor Balance Settlement Amount Settlement Fee ** *** $13,696.86 $7,000 $3492.47 *** *** $6576.39 $2301.74 $1606.04 The *** settlement has been paid, and the ** *** account is in the process of being paid The money that the customer drafted in was used for these settlements and fees in accordance with the enrollment agreement the customer signed at the start of the program Per request from the consumer, we have provided her with the full accounting of where every penny went since she started the program This statement is available through *** *** ***, who is the 3rd party payment processing company whop holds the funds Despite this information being provided and the customer clearly receiving value and savings from the program, the consumer has asked us to stop future drafts By doing so, we will have not choice but to cancel her from the program since we cannot negotiate with funds that are not there We respect her right to address these debts on her own, and we wish her the best of luck We have instructed her through email that she is free to take over the remaining payments on the ** *** settlement if she chooses, which will provide her even more savings We believe that we have acted in good faith and given our best effort with this consumer We also see that she has gotten results and received value from the program while during her short time of being active. We are happy to discuss this situation with the consumer further, if she is willing to speak to us
We have contacted each of this consumers creditors and confirmed that the accounts are indeed settled and closed. We have also compiled the documentation that supports the resolution of each of the consumers accounts. We have sent this consumer an email containing this supporting documentation, per her request. The program was completed as originally scheduled. If the consumer has any issues in the future with any of these accounts, they can contact us and we will help them resolve it. Thank you
Ms ***, As stated in the first response, your debts have all been resolved and your program is completedThe attachment you sent was a copy of the before mentioned email that caused the confusion in the first place. That email was a system generated email that was sent to you, prompting you to contact our office. Please contact our office if you have any additional questions
We have contacted Mr [redacted] and reviewed the numbers with him. He was no aware that 2 payments had been made to the bank through his program, which was where the rest of the money had gone. He verbalized to me on the phone that we had answered his questions and that was all that he...
needed.
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
[redacted]
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint...
#[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
[redacted]
At DMB Financial, we put our customers first. We work hard to create a positive experience for each person that is seeking our help. We are sorry to hear of this client's experience.We have spoken with the customer and worked out a resolution to this complaint. The...
customer received significant value and savings from the program, and all of her debts are now resolved. We wish her the best of luck in the future. -DMB Financial
Ms [redacted], We have reached out on your behalf in regards to the [redacted] account. They made a mistake and had not cashed the final payment on this one, even though they had the payment. This is why it ended up at the law firm for further collections. We have contacted them, and they have opened up an internal dispute on this account through their dispute resolution program. As a result, this account was pulled back from the law firm to be reviewed at [redacted], and there is no longer a threat of litigation. The dispute process can take up to 30 days to resolve on their side, and they will be sending a letter to the customer when the dispute review is finished. At that point, we have requested that customer send us a copy of the letter so that we can make sure the account gets resolved for the same amount listed. Thank you for your patience.
We spoke with this consumer today about her program and we were able to clarify some of the details of how it works. The client was mainly upset that one of her creditors deducted a payment from her checking that she was not anticipating and did not authorize. This payment has set her...
back significantly, and she is going to attempt to stop the payment, as we are negotiating a settlement on her behalf with that creditor. The creditor had her payment info from before she started the program, and it did not have anything to do with the program. We have settled one of her accounts already and she is building funds towards another. This customer is making progress, and we anticipate the program will go as estimated.
We spoke with the client today. We were able to settle an account for this customer and we are completing her from the program. She no longer needs to draft in. -DMB Financial
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I...
understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
[redacted]
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted].{I have to see the outcome of this investigation. Until then I will accept my satisfaction on how they are fixing and taking care of this issue. Now they haven't said anything about [redacted] payments that were never taken . Where is that money?
Regards,
[redacted]
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below.
My initial contact with Mr. [redacted], back in July was prompted by the Law Suit notice from **'s Attorney, his reply to my inquiry was very dismissive, confirming though that the account had not been paid off, upon my insistence, he said he would look into it and call me back , However I never heard back from him.After having received the first and second email from [redacted], I phoned him once again, I was told that he was not available and that besides he would not be able to do anything in his role as the director.His current emails and phone message once again carry the same dismissive tone, the copy of the forwarded emails,are NOT automated, please read them and review the attachment [redacted] sent with the second one.At present I need documentation as proof that the accounts have all been settled.Thank you .
Regards,
[redacted]
The return has been completed and the client has received a copy. This should resolve the complaint.Thanks
We spoke with the client on the phone today, and wen through her concerns. She has completed from the program, and has some funds left over that were drafted in and not needed for settlements. We agreed to send the $399 back to her. She was satisfied with this resolution. It...
may take a few business days to be received. We are pleased with the results this consumer received through the program, and we apologize for the misunderstanding at the end.
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted].
Regards,
[redacted]
Thank you for taking the time to share this information with us. DMB Financial has a customer's driven culture, and we take complaints like this very seriously. We apologize for the confusion in regards to this client's program. Fortunately, we were able to call and speak with...
the consumer directly today. We were able to get to the bottom of the issues he is experiencing and we are working it out to make sure his needs are met. Thank you
Mr. [redacted] enrolled in our Tax Prep program on April 6th, 2016. (an option service that we make available to our customers) Due to the fact that this is very close to the April 15th deadline, we filed an extension to have the time to complete the tax return for him. The IRS has...
added a Failure to File penalty of $205 in error, since we did in fact file an extension for this customer. Our tax preparer is sending a letter asking that this $205 penalty be removed, and he is including documentation that shows the extension was filed. This letter is going out today. (A copy of the letter is also being issued to the client today) I have attached a copy of this letter to this response. After the penalty of $205 is removed, the client will still need to pay his remaining balance for taxes due of $306.58.We will continue to monitor this issue with IRS for this client and stay in communication with the consumer. We apologize for the inconvenience this may have caused the client, but as it gets resolved there wont be a monetary impact to it. We understand that every dollar helps, and we will continue to work hard to help improve this client's overall financial situation. Please call our office if you need any additional information. Thank you.
RE: Complaint # [redacted] Dear Ms. R[redacted]: Thank you for your follow-up message. The University of Phoenix has reviewed this complaint submitted by [redacted] and responded directly to the complainant. Due to privacy laws the University of Phoenix cannot release the results of...
our findings or communications with the complainant without the required written authorization. If you need additional details that will enable you to close this issue, please contact the complainant. Best regards,Joel R[redacted]Dispute Management Administrator University of PhoenixOffice of Dispute Management [redacted]
[redacted]
[redacted] [redacted] [redacted]
[redacted]
I have called and email the consumer with an explanation to the items listed. At this point we have not spoken live.At DMB Financial, one of our primary goals is to provide consumers with a reasonable alternative to bankruptcy. We regret to see our customers resort to that route....
We are sorry to hear about this costumers experience, but need to clarify a few points in the complaint attached.First off, we are not a consolidation program. While that is only one word, it implies a very different type of program and industry. We have a debt settlement program which is very different, and focuses on negotiating settlements on behalf of customers to maximize the savings and value they receive. Secondly, we don't "collect" the money, as implied by this consumer. The money is drafted into a dedicated trust account in the customers name, and stays there until a settlement is reached. The money runs through a third party payment processing company. The customer was 5 months into a 42 month program and had already started to see results. We believe that the client would have received significant results and savings had she stayed with it. Unless she has a number of other debts elsewhere, bankruptcy was not necessary in our opinion. She drafted 5 times into her dedicated account, for a total of $1781.15. Of those funds, we did negotiate and settle one of her accounts with [redacted] for 50% of what was owed. This settlement used $701.50. (The balance was $935.39 and it was settled for 467.67, and had a settlement fee of $233.83) There were bank fees charged during the program by [redacted], the processing company, of $83.75. The remaining $995.90 is in her account and being sent back to her today as a typical course of doing business when someone cancels. We have acted in good faith to help this person and she did receive some value early in the program. We wish her the best of luck in the future. The consumer is still free to contact us to discuss this in further detail. -DMB Financial