E Partner Net

To Whom it May Concern,The original notice we sent on this check was sent out 9-21-and did not come back mail returnWe sent this notice to the same address as the other two check collection notices received by the consumer We spoke with the consumer to clear up this check
fairly early in the collection process on 10-06-and notified her of the returned item that needed to be cleared upWe asked for the principle balance of $and a $service charge and consumer didn't payWe waited until 10-21-for payment and never heard back so we referred the check over to our attorneyThe attorney's office called the consumer to get payment once the balance started to rise even before they added the attorney fees and the consumer was never available or no one was home or answered the phone calls until 02-22-The collector then asked for payment of the total due at the time of $and the debtor refused payment then sent a Revdex.com disputeStill today, we have not received payment for the principle amount of the check neither has my clientBy law, the total amount due is valid. I have reviewed the details on this accountThe total due is $***We are willing to settle for the original amount of the check $and $*** in fees, court costs and filing feesThe total we will settle for is $***We are willing to remove the $*** in attorney feesWe feel this is fair due to the amount of attempts made to clear up this item before and after the balance started to rise. If you have any questions please let me knowI have proof of all of the attempts via mailing and text recorded calls made. Our intention is to solve this matterOur settlement is offered to meet in the middle and get my client and my office made whole again. Thank you,Sydney G***Firm Administrator

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

To Whom it May Concern,The consumer is stating in this complaint that they are disputing a mark on their credit from us of [redacted]. They are also stating that the mark is showing as a medical account. We do not show a record of that at all. We show that they owed a balance of [redacted] to my client...

[redacted] and this is the only account we show for them. The account for [redacted] has been cancelled and is no longer owing because the consumer filed it under their bankruptcy. We have no open balances owing in our office for this consumer. We are not marking the consumers credit for any account at this time. If they have any further questions, they are welcome to call. Thank you,Sydney G[redacted]COO

Review: we agreed that a $100 payment was authorized then after 3 months they took $10,423.26 which overdrafted my account serverly

we agreed to a $100.00 payment to come out of our account everymonth if we didn't agree to this they would granish my husbands wages. So I agreed so the last 2 months were fine but this month they debited $10,423.26 out of account without notication and broke our verbal contrat.They said it was told to me that I was to make 2 payments then the third would be in full. I said that is not what was agreed upon and I wanted a transcript of our phone call when I agreed to this they stated they could no longer speak to me due to the fact that I filed a complaint about the practices of how much they took. I do not have a problem paying our bill to them but to blantley lie and decide to wipe out checking which is now $9,435.73 overdrawn and my checks and bills they were paid the previous day are all overdrawn and now to add overdraft charges from my bills and bank feesDesired Settlement: to stick with what was agreed upon and no more debit payments I will billpay from my checking account and for them to pay all bank fees,overdraft fees and write a letter so I show everyone that became overdrafted because of there error

Business

Response:

Initial Business Response /* (1000, 5, 2014/09/11) */

Contact Name and Title: [redacted], COO

Contact Phone: XXX-XXX-XXXX

Contact Email: [redacted]@checknetinc.com

To Whom It May Concern,

This payment arrangement was made verbally with Mrs. [redacted] by phone on 05-09-14. I have listened to the recorded call, along with my attorney and Mrs. [redacted] agrees to the terms of the payment plan twice.

In addition, we mailed out a statement showing the agreed payment plan notifying Mrs. [redacted] once more of the agreements made. The payment plan notice we mailed, was mailed to the address that was given to us by Mrs. [redacted].

We cannot release the recorded phone call without a court order.

Also, after reviewing this account with my Collection Manager, I found that she also spoke with Mrs. [redacted] and confirmed with her the call authorizing the payment plan is recorded and she states the consumer was not told we couldn't talk to her at all. She in fact told her the facts.

If there is anything else I can do to help her understand why the transaction happened, I am happy to sit with her if she so chooses to hire counsel.

Thank you,

COO

Review: Winder dairy sent a cancelled/unfulfilled account to collections. Checknet is unwilling to contact winder dairy in regarding their billing mistake.

I ordered from winder dairy over 2 years ago. They NEVER SHOWED IP TO DELIVER ANYTHING so I cancelled. We made several attempts, but nothing ever came of it. The failed to fulfill a contract. I called to cancel and thought that the issue had been taken care of. Two years later, I get a collection notice from an outside company stating I owe money. I emailed the collection company and winder dairy. I received a call from a woman at winder dairy who admitted the fault was theirs, but it is still not resolved with the collection company and I am not letting this report on my credit. It wad not my mistake. It was the fault of winder dairy.

Desired Settlement: Verification that the account is fully cancelled and that my credit has not been effected by this issue in winder dairy's billing practices

Business

Response:

Initial Business Response /* (1000, 5, 2014/07/21) */

Contact Name and Title: [redacted], COO

Contact Phone: XXX-XXX-XXXX

Contact Email: [redacted]@checknetinc.com

To Whom it May Concern,

As stated to the consumer during our phone conversation, we are happy to get the validation from our client and validate this debt. We have not yet heard back from Winder Dairy regarding this matter. We have asked to expedite the request.

Please be patient while we help resolve this dispute.

Thank you,

COO

Initial Consumer Rebuttal /* (3000, 7, 2014/07/22) */

(The consumer indicated he/she DID NOT accept the response from the business.)

I want closure in this matter, according to Winder Dairy they have sent validation of my cancelled account. I sonot want this reflecting on my credit as it is not a debt I owe, but a mistake that check net and Winder Dairy made a mistake in processing.

I owe nothing to Winder Dairy or Checknet and will not stop disputing until I receive notice that this matter is fully taken care of and there is no evidence of this mistake on my credit report.

Final Business Response /* (4000, 10, 2014/07/28) */

To Whom It May Concern,

We have requested that my client review this matter and let us know what they decide.

Thank you for the inquiry, and as soon as we hear back, we will respond and let you know.

Thank you,

COO

Review: Agency continues to contact me after issue has been resolved thru CFPB and Credit reporting agencies. Agency refuses to stop contacting myself.

On 2-12-13 due to me printing my credit report is how I found out about E Partner Net. Never once did I get a notice from E Partner prior to my seeing them on my credit report. On 2-21-13 and on 2-28-13 I sent two times proof to E Partner that the payment was paid prior to it ever supposed to go to collection. Both times E Partner denied getting the fax even though I had proof of confirmation. E Partner continued to contact my work on 3-19-13. I contacted them and requested they discontinue contacting me regarding the matter. I eventually certified mailed proof of the payments to this agency along with the Dr's office and Transunion. I had to file a complaint at CFPB in which Transunion investigated and removed the item from my credit report. I had to file a complaint with Revdex.com regarding the original collector. Revdex.com was unable to contact the original collector because he retired. Also, my certified proof of payment that was sent to the original collector returned unable to deliver because he is retired now. Now in April 2013, the CFPB is completed but they also had to send complaint to FTC. As of today I did a complaint to FTC also. In short, thru phone, fax and certified mail E Partner has received proof of the payments which were paid in full. This account was paid in full before it should of ever went to E Partner. Now after everything is completed as of approx. March 2013, they are continuing to contact me again. In last few days they have called my phone repeatedly up to 3 times a day while I am at work. I responded today, in which they again are claiming I did not pay. I provided the info verbally to the company and again asked they discontinue contacting myself. 7-8-11 thru Debit Card Dobson office was paid 152.00 which was to be half the payment. On 8-9-11 I paid another 152.00 thru check exactly one month later which was agreement for me to pay other half of the bill. On 9-27-11 I received one bill claiming I owed 145.00 in which I paid that day of 145.00 thru debit again. On 9-27-11 I paid a total of $449.00 which is actually $188.95 over what my co pay amount was to be. But all this proof straight from my accounts at my credit union and the cashed check was sent certified to all companies. E Partner should of never had this account since it was paid to original provider. But E Partner will not stop contacting me even though I have proof they have proof of payment sent to them several different ways. Again, now that I have had to go thru Revdex.com, CFPB and FTC and contact Utah AG, they continue to contact me over an account I do not owe. My issue is with E Partner / Check Net, this issue has been absolved back in March 2013 thru having to use complaint procedure companies. Now that it is all resolved and not on my credit, they are contacting me again. They have been informed not to do so and if needed they would have to do so in writing. They need to discontinue contacting myself or my work since they should not of had the account in first place and the fact they have proof the payments were paid before it should of ever went to collections.Desired Settlement: Stop contacting me or my work. They were provided proof the payment was paid prior to it ever going to a collection agency. They need discontinue trying to collect a DEBT from me that I do not owe.

Business

Response:

Business' Initial Response /* (1000, 5, 2013/06/27) */

Contact Name and Title: [redacted], COO

Contact Phone: XXX-XXX-XXXX

Contact Email: [redacted]@checknetinc.com

To Whom it May Concern,

The proof of payment(s) the consumer sent has been applied before this collection account was assigned to our office.

See attached ledger showing the proof of payments being applied. The remaining balance is owing.

We have been calling her to try and resolve the issue. Her dispute is not valid. We have proven that and want to resolve this account with payment.

Please have consumer remit payment to our office to avoid any possible further collection activity.

Also, I am always willing to review these types of situations with the consumer and creditor by way of conference call to review numbers, timelines etc. That always seems to clear up any confusion.

Thank you,

COO

Consumer's Final Response /* (4200, 12, 2013/07/03) */

(The consumer indicated he/she DID NOT accept the response from the business.)

I HAVE MULTIPLE TIMES SENT PROOF I MADE PAYMENT IN FULL BY 3 PAYMENTS TO THIS AGENCY EPARTNER / CHECK NET. I HAVE TRIED TO SPEAK TO THE DR'S OFFICE AND SENT THEM CERTIFIED DOCUMENTS SHOWING PROOF STRAIGHT FROM MY CREDIT UNION THEY RECEIVED THE PAYMENT IN FULL STRAIGHT FROM MY TWO ACCOUNTS. I HAVE TRIED TO SPEAK TO EPARTNET/CHECK NET SEVERAL TIMES AS WELL AS SENDING DOCUMENTED PROOF TO THEM SEVERAL TIMES AS WELL. I HAVE HAD TO SEND PROOF OF PAYMENT SEVERAL TIMES TO CREDIT REPORTING AGENCIES WHICH REMOVED THEIR INCORRECT ITEMS OFF MY CREDIT REPORT. THERE IS NO CONFUSION, THEY HAVE SIMPLY RECEIVED PROOF OF PAYMENT MADE IN 3 TRANSACTIONS, PROOF COMING FROM MY CREDIT UNION SHOWING THEY CASHED AND TOOK THE MONEY FROM MY ACCOUNT. THERE IS NO CONFUSION TO SIMPLY LOOK AT THE 3 PAYMENTS MADE TO THIS AGENCY WHICH ALL OCCURRED BEFORE IT SHOULD OF EVER WENT TO ANY COLLECTION AGENCY. AT THIS POINT, IF I HAVE TO GO TO COURT, THEN WE CAN DO SO AND I WILL HIRE AN ATTORNEY TO LOOK AT HARASSMENT CHARGES. SIMPLY BECAUSE I HAVE MULTIPLE DOCUMENTS SHOWING PROOF THAT THEY HAVE RECEIVED PROOF OF MY PAYMENTS (ALL 3) MULITPLE TIMES THROUGH FAX AND CERTIFIED MAIL. THERE IS NO CONFUSION TO LOOK AT THE PROOF SHOWING FROM A CREDIT UNION THAT PAYMENT WAS MADE IN FULL IN 3 PAYMENTS FROM MY TWO ACCOUNTS WAY BEFORE THINGS SHOULD OF EVER WENT TO A COLLECTION AGENCY. THAT IS NOT THAT DIFFCULT TO SEE THEY CASHED AND TOOK 3 PAYMENTS FROM MY ACCOUNT. IF THEY WANT PROOF AGAIN SENT TO THEM EPARTNER/CHECKNET AND PROOF SENT AGAIN TO THE DR'S OFFICE - THEN I REQUEST THIS TIME THEY PROVIDE ME A NAME OF INDIVIDUAL TO SEND IT DIRECTLY TO ALONG WITH THE ADDRESS THEY WANT ITEMS SENT TO THIS TIME. BUT I AM NOT WILLING TO DO A CONFERENCE CALL BECAUSE IT HAS WENT PAST POINT OF BEING ABLE TO SPEAK TO ANY AGENCY. I WILL DO ALL CORRESPONSDENCE THROUGH MAIL OR EMAIL ONLY.

Business' Final Response /* (4000, 10, 2013/07/01) */

To Whom it May Concern,

I am willing to do a conference call with my client and [redacted] to resolve this matter. Going back and forth in this manner, is hard to pin point the problem. Is the consumer willing to do that? If so, please have her call me at XXX-XXX-XXXX.

Best Regards,

COO

Review: I am being charged $123.35 for $10.66 returned check. I have never been sent a statement or request for payment until it was sent to Bennett Law.

In April 2012 I wrote a check for $10.66. It bounced. I don't dispute I have responsibility for this amount. I AM disputing the manner in which I have been notified about the complaint. I have never received a request for payment from the business or the collection agency. I assure you, I would have gladly paid the $10.66 and any minor fees LONG before my account was sent to an attorney if I had been given the courtesy of notification. I would never choose to pay the fees and interest and let myself spend my time being bullied for payment.

I have received one letter from Bennett Law Offices. Then a phone call. They claim 2 letters have been sent. The first was returned as "undeliverable." Interestingly, both letters were sent to exactly the same address and zip code. Our Postmaster and Postmistress are willing to give a notarized letter stating that they did not receive any letter to my address that was returned as "undeliverable" in the recent past. In our small town of 700, we know each other by first name and face. They would not return a letter sent to my address without speaking to me first.

I have been in contact with [redacted], a representative, and [redacted] a supervisor, at Bennett Law Office. I have been informed that by law, they are not required to send me any information about my account. Even after I make a request. I have also been cautioned that I may not contact E Partner Net concerning my account because the account has already been forwarded to their offices. It seems to me that I have no support in receiving information and documentation concerning my account from any party that should willingly help me and cheerfully accept my payment.

In my dealings with businesses, out of courtesy to the purchaser and for good business relations, a business sends out a statement requesting payment. I have received nothing from this business.

The account having been sent to E Partner Net for satisfaction, I understand (from several collection agencies I have spoken to) that many requests for payment are sent to the customer before the account is sent for legal action. I have received NOTHING from E Partner Net concerning this account. Having been CAUTIONED NOT TO CONTACT THEM for help, I can request no documentation for my records.

Do I have any rights in this matter? I am not arguing paying $10.66 and any minor fees. I AM arguing the payment of $123.35 in fees and interest without the courtesy of prior notification and or documentation from any party requesting payment.

Sadly, this problem started when the business did not send out a courtesy reminder to request payment. It escalated when the account was sent to E Partner Net and they did not have the civility to reach me by phone when their "statements were returned." The dilemma became a crisis when I was contacted, out of the blue, with a request (more like a threat of legal action) for payment in the amount of $123.35.

Am I expected to pay the full amount with no proof given to me that I have received multiple requests for payment? Honestly, am I stupid enough to withhold payment of $10.66 because I enjoy the stress of disputing claims and the satisfaction I feel as I pay extra fees and interest?

I realize you have had to read my tirade that should be directed to others. Thank you for your patience and time. Thank you for your help. I look forward to hearing from you.

[redacted] Street

P. O. Box [redacted]

Clarkston, UT 84305

[redacted]@hotmail.comDesired Settlement: Payment of the original debt of $10.66 by myself.

All further charges, fees and interest be forgiven.

Business

Response:

Initial Business Response /* (1000, 5, 2013/07/02) */

Contact Name and Title: [redacted], COO

Contact Phone: XXX-XXX-XXXX

Contact Email: [redacted]@checknetinc.com

To Whom It May Concern,

This check was written on 04-20-12 for $10.66. It returned to my client [redacted] as NSF (Non Sufficient Funds).Before the check was assigned to our office for collection the consumer's bank sends a notification to the account holder to notify them of the returned item. Standard bank procedure. This check was assigned to our office for collection on 05-24-12. We sent our standard FDCPA approved notification on 05-29-12 to [redacted] E [redacted] St Clarkston, Ut 84305 notifying the consumer of the issue and that there will be the standard $20 Utah Return Check Service Fee in addition to the $10.66 and, that if that amount(s) is not paid in 15 days from the date of the notice, there would be another $20 Collection Fee added. The collection notice also states that if not paid with in 30 days from the date of the notice that the item would be marked on the consumers credit as "unpaid" and to avoid any of it, pay to the following: Checknet, Inc. 746 E 1910 S, STE 3 Provo, UT 84606. The notice also states that after 30 days it is "possible for further collection activity if check is left unpaid". That notice returned "Mail Return" by the US Post Office on 06-05-12. If your post master and mistress have never returned an item, why have my office and my attorney's office both received a mail return for your address? Seems odd that we both have the same story. Ask your bank if they have record of there notice being sent back mail return?

When a mail return happens, we attempt to call if a phone number is provided on the check, in this case there was not. We tried to "Skip Trace" for a good phone & address for the consumer and were unsuccessful.

We assigned the check to our attorney's office for further collection on 05-31-13, over a year later.

The funds in the account are made responsible to clear by the consumer and account holder that present the check, in this case, there were not funds avail. The consumer is responsible to reconcile to assure there are not outstanding items, and in this case, had that been done, this check would have been caught during that process. The bank attempts to notify before we are ever in involved as well.

I have attached the front and back copy of the original check that was written, stamped NSF and sent to us.

The funds left today are still owed, and due to the extensive "non" payment history on this item, further action had to be taken and the "total" at this point is due.

I am sorry you feel that you were not notified, but we did all we could do to find you. Our efforts can only go so far. At the end of the day you are are responsible for your bank account balance and reconciling and unfortunately this is what happens when that is not done.

If I could write off any fees, I would. My attorney's office has to be paid for doing the work to collect this check, and so does my office. The fees are owing at this time because still, there has been no payment made of the principle amount to anyone. You say you are willing to pay the $10.66 and any "minor fees" yet neither my office, my attorney's office or my client have yet to receive any payment(s)?

If you have any questions for me, I am willing to review by phone.

COO

XXX-XXX-XXXX

Final Consumer Response /* (3000, 7, 2013/07/03) */

(The consumer indicated he/she DID NOT accept the response from the business.)

I see that I will have no resolution that is helpful to me.

As I have never received a letter notifying me of payment due, I would like a copy of the letters and the envelopes that I may speak to our postmaster.

As my husband is without a job I request that I be able to pay this debt in 2 payments.

I called Ms. [redacted] today. She is out of the office and their office is closed until Monday. As soon as I hear from her, I will send a check. I assume that I will not accrue further fees as I have been in contact with Ms. [redacted]'s office and have received no response as of this date.

Final Business Response /* (4000, 9, 2013/07/08) */

To Whom it May Concern,

We do not keep a copy of the return envelope(s) we receive. With the amount of letters we send, we have no storage to keep such records. We only have a date, which has been provided.

I am in the office this week. Please call me for payment XXX-XXX-XXXX.

Thanks,

COO

Review: Checknet is sending collection notices, for a bill I had with Winder Dairy of more than 10years ago. Which was taken care of.

I used get winder dairy, until they started delivering after 8AM. I informed winder dairy office and the driver not to deliver if they couldn't deliver before 8AM or earlier. Because I will leave for work at the time and I didn't want the milk to sit all day in the box outside specially in Summer. Even after my request they deliver milk more than once; Leaving the milk outside in the hot all day long (I will get back from work at about 6PM)

They usually left ice with the milk, but by the time I got home the ice melted,& the milk was hot and I didn't dare drink it so I threw away. I called Winder dairy the first time it happened and asked them again not to deliver milk after 8AM and asked them to credit my account. The third time it happened, l call in and cancel my account, and they told me that time also that they will credit my account. But even After I cancel my account the driver kept leaving milks outside I was charged for them, but I have to throw the milk out. Again I would call WD office. Finally they stop delivering but the bill was $34. (this was about 10 years ago)

Initially I owed if I remember correctly about $34.00. I kept calling, they promise they will take care of it, in the meantime I kept receiving bills, until they got to $72.00. They finally I talked to somebody that told me she was "going to take care of it, and sorry for the inconvenience" That was about 7 years ago, After I talked to that customer rep I didn't receive any more bills Until last week I received a collection bill of $166.95 from Netcheck. I feel after I took care of this issue with the Winder Dairy Customer rep more than 6 YEARS ago, for a collection agency to send me a bill for 166.95 is improper and fraudulent. Desired Settlement: I want them to stop sending me bills and to finally clear my account because I do not owe that money. I am not going to pay 166.95 for rotten milk that I have to throw away. I thought this was taken care of with Winder Dairy; Them not sending me bills for many years show that my bill was finally credited.

Business

Response:

Initial Business Response /* (1000, 5, 2014/08/12) */

Contact Name and Title: [redacted], COO

Contact Phone: XXX-XXX-XXXX

Contact Email: [redacted]@checknetinc.com

To Whom it May Concern,

We have spoken to Winder Dairy and want to inform you that they have chosen to cancel your account.

This account has not been reported to the consumers credit.

Any questions please contact [redacted] at Checknet, Inc.

Thanks,

COO

Initial Consumer Rebuttal /* (2000, 7, 2014/08/18) */

(The consumer indicated he/she ACCEPTED the response from the business.)

The response from Checknet is not very detailed. If [redacted]/Checknet, COO, by stating "Winder Dairy chosen to cancel your account" this means that my account is at -0- (as it should have reflected many years ago) and I won't be receiving any more correspondence from Winder Dairy, Checknet or any other collection agency. And the amount they claim I owed them will not be reported to any agency and will show that indeed I don't owed them any money; Then I accept their response. If I don't hear any further correspondence on this matter, I'll assume we agreed to the above mentioned.

Review: Receiving bills for wrong person, checknet will not help in resolving this issue.

We have been receiving bills in error from a medical facility in Utah. My husband and I reside in Kentucky and have never visited the state of Utah. We received a letter from Checknet stating that my husband was going to be sent to collections over a bill that we have continuously disputed. The name that appears on the bill/collection is [redacted] which is not even my husband's name. I called Checknet upon receiving the notice and tried to explain to [redacted] that this bill does not belong to my husband; that the name is incorrect and that it must be an error. I explained that I have been dealing with this issue for months and that I was just trying to make the issue go away. He was very rude and his responses were very unintelligent and not helpful at all. He suggested that I get proof by sending in a police report, for what I am not sure. We have never had anything stolen. I asked to speak with someone else and he told me that he was a manager and that no one else would give me a different answer than he was providing. In my opinion he should not be a manager for this company as he cannot even conduct himself in a helpful manner during telephone calls. I have spoken with the hospital and the medical facility from which these bills are being generated. The hospital does not have any records which match my husband's name or DOB. The medical facility on the bill has assured me that the problem will be taken care of from their end. However we continue to get notices from Checknet, and when I call to try and get answers I have to deal with [redacted] who is very rude and refuses to transfer my calls. It is very difficult to try and fix a problem from thousands of miles away over the phone when the person I have to contact is such a horrible person to deal with. I do not wish to have any kind of settlement I just want the problem to go away. The bill does not belong to us, we have never been to Utah and I do not appreciate being told to pay for services that were rendered to a different individual. I do not have the extra funds to pay for a medical bill for a stranger thousands of miles away. I have my own bills to take care of for my family. I do not appreciate being bullied and having Mr. [redacted] tell me that they will be proceeding with this collection that does not belong to me even though I have disputed the bill because it is fraudulent information. There is no social security number to go with this information nor is the name even correct. My husband does not deserve to have his good credit ruined by a bill that does not belong to him. We also do not deserve to be treated poorly over the phone by this company when all we want is answers to why they keep sending us a bill that does not belong to us. I hope that if anyone else has to deal with this company that they A. do not have to deal with [redacted] as their person of contact and B. that they get helpful answers to their questions and that the company is actually contacting the correct individual and is not being bullied to pay expenses that do not belong to them.Desired Settlement: I do not wish to seek actual settlement from the company. I want the bill of 47.35 to stop coming to my home because the bill DOES NOT belong to me. I want the company to cease all contact with me. They need to settle this case with the facility that has sent it to them, not with me. The services being billed were not provided to my husband. We want the collection notices and billing to stop as they do not belong to us. Checknet has the wrong person.

Business

Response:

Initial Business Response /* (1000, 5, 2014/03/28) */

Contact Name and Title: [redacted]

Contact Phone: XXX-XXX-XXXX

Contact Email: [redacted]@checknetinc.com

To Whom it May Concern,

We are investigating this dispute currently with my client and have been for some time now.

If there is any other information the consumer ([redacted]) and her husband could give us to compare what the hospital has, that would be helpful.

We do not have [redacted]'s husbands name or date of birth or last 4 of his SSN to compare what we have.

We have marked this account as disputed and will work with the consumer to solve this issue.

I will have to wait until I receive documents supporting this account from my client to be able to cancel this.I will do whatever I can to resolve this for [redacted] and her spouse.

Thank you,

COO