We have no record of ever having a client by this name or ever speaking to a perspective client by this name or at that phone number We believe this complaint is filed against the wrong company and ask that it be removed from our report
At no time did we deny calling your phone numbers In each response, we stated that we did not have any client by your name and had not spoken to anyone at your phone number and been notified we had incorrect informationWe received an inquiry for our services under the name *** *** with your phone number on July 13, 2017. We did make two phone calls to that number on July 14, and August 10, 2017. In neither case did we speak to anyone, nor were our calls returned, to inform us that we had a wrong phone number We have never sent an SMS text message to your number and do not offer student loan relief services as your complaint states. As evidenced by the messages you provided, your voicemail does not identify yourself, thus we had no reason to believe we had an incorrect phone number Per our previous response, your phone number has been blocked and cannot be dialed again by our company Your assertion that 4-calls are being made daily to your phone by our company is completely inaccurate, and quite frankly an unfair accusation considering the calls are coming from various numbers. If are truly receiving that many calls per day, there are other companies also attempting to contact someone at your phone number, which we can no control over. We recommend you answer those calls and resolve the issue with those companies with a simple conversation rather than filing complaints. The fact that two voicemail messages were left on your answering machine nearly days apart is not harassment and your issue could have easily been resolved had you called our office and asked to have the number removed. It would have been a simple solution to the problem rather than filing a complaint against a company and arguing through the resolution. This will be our last response to this matter as the Revdex.com has closed the complaint. We wish you the best of luck
As previously stated, we have no record of ever having a client by this name or ever speaking to a perspective client by this name or at that phone numberIt is possible that his phone may have been dialed in error, but at not time have we ever spoken to someone at that number and been told it is a wrong number or not to call again The number has been blocked in our phone system and cannot be dialed again
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 #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
*** ***
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 # ***
[I have not agreed to pay any settlement, I have not signed accepting the terms of a settlementI was advised when signing up that I would need to agree to the payoff however I did not agree with the payoffI was told the companies that I am attempting to resolve were going to draft out of my account which I was not aware I would pay my monthly fee plus money to the creditorsI have asked for proof of payment to the creditors and was told they have been calling to speak to meI asked for proof of what my payments paid and have yet received anythingAny time there was a NSF draft it was resolved meaning I gave permission to draft againFrom July to April I have had zero debts paid and have not been presented to sign a settlement agreementI attached emails stating settlements have been made for me then we were in the middle of settlementsConflicting info with no services provided after paying over 2kThe creditors are sending me info showing no payments have been made however I am being charged fees that total all my payments]
Regards,
*** ***
On March 31, *** *** enrolled in our debt relief program At the time of enrollment, she stated she had $9,in total debt, owed to six accounts (*** *** - $2,452, ** *** *** *** - $1,000, Barclays - $1,896, *** *** *** - $599, *** - $932, & *** *** -
$2,358) The agreed upon program terms were monthly deposits in the amount of $ Ms*** completed her enrollment package, some of which is attached as a pdf file named "***".Ms*** made her first three deposits (April through June 2015) as well as an additional deposit of $on June 26, On June 26, a representative contacted Ms*** and notified her of a settlement offer that was available on her *** *** account for 48.5% of her enrolled balance Ms*** accepted the settlement and gave us authorization to set it up with *** *** Additionally, she agreed to deposit an additional $as part of this settlement (recording of this can be submitted if necessary) The settlement structure agreed to with *** *** required monthly payments be made in order to complete the deal ($on 6/30/15, $7/30/and 8/30/15, $on 9/30/and 10/30/and $on 11/30/15) A letter was emailed to Ms*** on June 26, detailing the settlement agreement This document is attached (*** ***Settlement and Fee Agreement).On July 30, 2015, we were notified that the client's program deposit for the monthly of July did not clear due to the client revoking authorization on it We attempted to reach her multiple times without response until she returned a call on August 5, She left a voicemail stating she would not be available to speak until after 7pm but she was requesting a hold be put on her account On August 7, she called in again requesting to skip her August deposit as well During this conversation, she was informed the *** *** settlement was voided due to the bounced deposit from July Ms*** said she understood and offered to make a "triple" deposit at the end of September One September 11, a representative emailed Ms*** for an updated She replied on September 18, These emails are attached (Aug Sept Email Thread)The last email in this document was dated September 23, and Ms*** was once again requesting to delay her next program deposit, this time to the month of October.On November 6, 2015, Ms*** called in to inquire as to where her money had been used It was explained to her and she was given the phone number to *** *** *** the payment processor for our debt relief program if she wanted further verification Attached is a statement showing all transactions in her program account from her enrollment through the end of December (***) The attached document "***" also illustrates that Ms*** was aware that fees are charged as settlements are negotiated. On November 17, Ms*** called in upset at the lack of progress in her program A representative explained to her we cannot settlement accounts without her depositing funds (see attachment ***) Ms*** then requested to cancel the program and a cancelation notice was mailed to her On December 8, she emailed stating she did not get the cancel notice She stated she was no longer residing in Tennessee but failed to provide her new address
On June 16, 2015, *** *** entered into our debt relief program At the time of enrollment, Ms*** stated she had three accounts totaling $12,(*** *** - $1,193, *** - $4,262, & *** - $7,330) She was approved for a program term of months with a monthly
deposit amount of $ Ms*** was quoted an estimated 50% reduction on her total enrolled debt (See DocuSign Page attachment) Ms*** was informed multiple times during her enrollment that monthly payments are not made to her creditors Rather, her monthly deposit would go into a program account in her name until we are able to negotiate settlements with her creditors (See DocuSign Pages & attachments) On June 22, 2015, a client service representative called Ms*** to cover our New Client Welcome Package with her This package is specifically designed to assist our clients in minimizing (and usually eliminating) creditor correspondence We have used the same materials for nearly nine years to assist clients with creditor contact, and have seen near perfect results Upon review of Ms*** program, it appears representatives of Elite Financial Services attempted to cover this material with Ms*** multiple times over a three week period of time During that time, Ms*** sent multiple emails to our representatives stating she was unavailable to go over the document It was not until July 13, that Ms*** was available to cover the New Client Welcome Package The instructions with this package are very clear and simple We provide template letters as well as the correct addresses to send them to via certified mail We also ask that clients send a copy to our office so we have it on file in case a creditor continues to contact our client Elite Financial Services never received copies of these letters nor the tracking information for the certified letters that Ms*** was supposed to send to her creditors It is my assumption that she never sent these letters to Capital One, ***, or *** and that is why the creditor contacted continued. Representatives of Elite Financial Services began contacting Ms*** creditors on July 20, Since the client's deposits are the source of funds for settlements, it is not uncommon that at least one deposit must clear before we beginning contact creditors on our clients’ behalves (See DocuSign Page attachment) Contact was made with all three enrolled creditors from July through December It was not until December 21, 2015, that a beneficial settlement offer was available on one of Ms*** accounts A representative from Elite Financial Services called Ms*** to notify her that we had negotiated a settlement with *** *** for 50% of the balance owed At this point in her program, Ms*** had not accumulated enough funds to take advantage of the offer so a call was made to Ms*** to discuss the offer and what would be required if she wanted to take advantage of it It is out company's policy to notify clients of all beneficial settlement offers we receive from their creditors, whether the client has the funds saved or not In this case, it was explained to Ms*** that she would need to deposit an additional $in January and February if she would like to accept the offer Ms*** said she was not able to commit to the additional funds so the settlement was not agreed to Clients of our debt relief program are never required to deposit more than the agreed upon monthly amount, however we consistently discuss settlements such as this without clients in hopes that they can accelerate their program and take advantage of good offers when the creditors make them available When Ms*** informed us that she could not commit to the additional funds that would be necessary, our representative told her that is fine and also educated her on what *** may do to collect on the debt moving forward Many *** accounts are sent to law firms when they charge off and often times the offers to settlement are much higher than when negotiating with *** directly Ms*** was informed about this potential action by *** We educated her so she would be made aware of this as quickly as possible so that it would not surprise her later if it happenedOn January 5, 2016, Ms*** sent an email requesting her program be canceled Per our policy, all scheduled deposits were immediately stopped and a manager attempted to call her on January 6, to discuss the reason for cancelation A message was left for Ms*** which she later returned She asked to have all funds in her program account returned to her, and her requested was obliged On January 6, Ms*** program was canceled and a check (check number ***) in the amount of $1,was mailed to the client's home address
Ms. [redacted] was made aware of both settlements that were negotiated on her behalf and she spoke with multiple representatives regarding those deals, particularly when arrangements were being made for her to make up her insufficient funds via wire transfer or moneygram. Written authorization is not required for the acceptance of any settlement. These two methods of deposit are required when a client is involved in a settlement and their deposit bounces. Here are the dates of the communciations between EFS and Ms. [redacted] regarding the settlements:October 17, 2016 - [redacted] informed client of settlement with [redacted] BankDecember 13, 2016 - [redacted] explained urgency of making up her bounced deposit via moneygram or wire transfer to save the settlement with [redacted]January 2, 2017 - [redacted] discussed settlement being in danger of defaulting due to client's bounced depositJanuary 3, 2017 - [redacted] discussed making up the bounced deposit via moneygram or wire transfer to salvage the [redacted] settlementJanuary 4, 2017 - [redacted] again discussed how the client needed to send her deposit in so she didnt lose the settlementFebruary 7, 2017 - [redacted] informed client of the settlement reached on her Walmart account served by [redacted]The only reason Ms. [redacted]'s program is not successful at this time is her inability to make her scheduled program deposits as she agreed to upon entry into the program. EFS is still offering to assist Ms. [redacted] in getting her debts resolved.
Elite Financial Services negotiated a settlement on behalf of Mr. [redacted] on his [redacted] account with [redacted] saving him over $6,000. The settlement was to be paid over a period of 24 months. In March 2015, the settlement was established and payments were set up with [redacted]...
[redacted]. Fees payable to EFS for the settlement were also set up. The deal was voided in February 2016 when Mr. [redacted] skipped his monthly program deposit. He never notified EFS of his hardship that month, instead he only asked the payment processor, [redacted] Client Solutions to skip the deposit (which they did). As a result of Mr. [redacted] not notifying EFS directly, there was no opportunity to adjust the settlement terms with [redacted] in an effort to save the settlement. When his draft did not process, the settlement payment was not made and the settlement was lost. At that time, Mr. [redacted] was notified that the deal was lost and would need to be renegotiated. All money he paid toward this settlement was applied to the balance.After months of renegotiations, in September 2016, EFS was finally able to secure a second settlement for Mr. [redacted]. At the time, he was informed that under the new terms of the deal, he would need to either add an additional sum of money or extend his program. Mr. [redacted] stated he did not have additional funds to deposit, so he agreed to extend his program deposits. When we explained to Mr. [redacted] that we would need to record his authorization, he said he would need to do so at a later time. Because he had agreed to the deal, EFS secured the second settlement and set up payments with [redacted]. Since Mr. [redacted] was the party responsible for the initial settlement being voided, fees for this settlement were also set up. EFS is entitled to once again collect fees for the negotiation of the debt as it was a completely separate deal that took months to work out. The initial payment of $100.00 was processed by [redacted] on September 30, 2016 and cleared Mr. [redacted]'s program account. After this initial payment, EFS attempted to contact Mr. [redacted] multiple times to process the recording that would authorize the necessary additional deposits (a recording is required by the payment processor [redacted] Client Solutions). When the second payment (in the amount of $435) was processed by [redacted], it was returned by EFS. EFS made the decision to not spend any more of the client's funds toward the settlement without Mr. [redacted] providing the necessary recording. The decision to stop the payments was made because Mr. [redacted] would have been short on the total amount necessary for the second settlement terms and rather than have thousands of his dollars applied to the balance again, EFS stopped the payments in an effort to help the client. In November 2016, EFS finally made contact with Mr. [redacted] and informed him that we once again needed to record his authorization for the additional deposits. Mr. [redacted] said he understood and would make the necessary deposits but again refused to record his authorization. Per the Telephone Sales Rule, EFS is entitled to collect fees for the service of negotiation after at least 1 payment is made toward a deal. EFS' recollects fees on a the second attempt to settle an account anytime a client's negligence caused the initial settlement to be voided. The policy for EFS limits fees to be collected just twice on any particular enrolled debt. The fees for the second settlement have continued to be paid since the settlement was once again voided as no fault of EFS. Mr. [redacted]'s program was never canceled. He was made aware that he voided the original settlement due to his decision to skip his February 2016 deposit. He was informed in September 2016 of the second settlement and he agreed to the necessary terms that required extending his deposits. Mr. [redacted] never followed through with his commitment to add the additional funds. As of this month, EFS still has a standing settlement offer for Mr. [redacted] on his [redacted] account. EFS has continued to work on Mr. [redacted]’s behalf and has now negotiated a beneficial settlement on this account three times. Copies of the written settlement letters for the first two settlements are attached to this response as evidence of the work we have done. Acceptance of the current offer is only awaiting Mr. [redacted]'s approval. As an additional note, EFS settled Mr. [redacted]'s other three enrolled accounts which had a combined balance of $13,765 for a total of $6,264.
Hello Revdex.com:Here are the two recordings from my voicemail from Elite Financial. Are they going to continue to deny and lie about calling my phone number? Also, there is NO [redacted]! I continue to get calls and texts in regards to her! I need to know how they obtained my phone number.Thank you.[redacted]
Elite Financial Services assisted Ms. [redacted] in settling seven accounts. Since her program was completed, she has contacted us for further assistance because she was continuing to receive collection calls regarding two accounts. We have been in communication with Ms. [redacted] recently, prior...
to this complaint, and agreed to assist her in anyway possible. We explained we would contact the agencies that are calling her and send them proof that the accounts were settled previously - which we had already done prior to the date of this complaint. We explained to Ms. [redacted] that while this is certainly an unfortunate occurrence, and certainly one we wish did not happen, it is something that happens occasionally and we are prepared to handle it and resolve it. We can not grant Ms. [redacted]'s request to have the accounts removed from her credit report, as we do not perform credit repair services, but we can ask that the accounts are properly updated to show that they were satisfied via settlement and Ms. [redacted] has no further obligation to pay. When we have updated information from the collection agencies, we will relay it to Ms. [redacted] as quickly as possible.
Ms. [redacted] signed up with EFS in July 2016. Her program terms were 36 monthly payments of $337.67. While enrolled with EFS, three of her seven enrolled accounts were entered into agreed upon settlements that EFS had negotiated. During the ten months she was enrolled with EFS (July 2016 -...
April 2017), Ms. [redacted] had six deposits returned as insufficient funds. These returned deposits resulted in Ms. [redacted] losing AT LEAST two of the three agreed upon settlements. The result of the third settlement is still unknown as the payments were scheduled to be processed by the creditor directly from her personal bank account. Ms. [redacted] never confirmed with EFS if she made the payments as she originally agreed to. When asked about the payments, Ms. [redacted] responded by saying she would "check her bank statement". It is believed that she failed to make those payments as she failed to make her scheduled program deposits to EFS. Multiple representatives of EFS have explained to Ms. [redacted] that we would continue to work on her behalf and fix the settlements that were voided as a result of her insufficient deposits. Ms. [redacted] refused to allow EFS to do so and informed EFS that she had signed up with another company. EFS collected portions of its fee for the three settlements that were agreed upon and commenced. Per the attached contract, page 10 to be precise, fees paid to EFS are nonrefundable should a client choose to cancel their prorgram before it's scheduled completion date.
right now. I will be back in 3 days and will fully respond at that time. I have recorded voicemails with their telemarketers asking for the person and leaving their phone number. How can I lie about that? Typical illegal telemarketing company to just deny it!
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].
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,This company is lying about Me accepting or agreeing to anew contract bottom line, I never signed anything to that affect.At this time I want to Cancel my contract with them and have them send the remaining Drafts to me by check.Thank you.
[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.
Ms. [redacted] called our office on April 8, 2016 looking for assistance with five accounts totaling $18,002.00 worth of debt that she had fallen 30-60 days past due on. After conducting an evaluation, we offered Ms. [redacted] a debt relief program with the following terms; a monthly program payment of...
$377.80 for a period of 42 months. Ms. [redacted] accepted this offer and signed up for our services via Docusign electronic signature (attached document). During the enrollment process, all clients are explained that we will negotiate settlements with their creditors, but we do not guarantee any specific time frame for these deals to take place. Ms. [redacted]'s claim that we told her we would settle within 30 days of enrollment is not accurate.During our enrollment phone call, Ms. [redacted] was told the next communication she would receive from our company would be on May 2, 2016 to go over her New Client Welcome Package. On this day, [redacted] did call the client on her cell phone and was told that it was not a convenient time to go over the material. It was agreed by both parties to follow up the next day. On May 3, 2016, [redacted] once again reached Ms. [redacted] on her cell phone and they covered the New Client Welcome Package. [redacted] told Ms. [redacted] account by account what document(s) Ms. [redacted] needed to send to her creditors. During this conversation, it was discovered that Ms. [redacted] had provided incomplete and inaccurate information about her accounts. She provided some of her account numbers and also informed our office that her balances were incorrect. As a result, her debt total was increased to $19,490.17 (a discrepancy of $1,488.17). Ms. [redacted] informed us she would need to call back with her account numbers.On May 11, 2016, [redacted] called the client to get the rest of the account numbers. During this call, the client became aggravated because she did not have the numbers we needed. She expressed her desire to remove all accounts from her program with the exception of [redacted] because she could not get the account numbers. [redacted] informed Ms. [redacted] that we can still negotiate with the creditors but the account numbers are necessary for the New Client Welcome Package documents to be sent. Ms. [redacted] inquired about our progress with negotiations. [redacted] explained we are working on the accounts but we need her funds to accumulate in order to pay the creditors. Between May 16, 2016 and June 14, 2016, [redacted] attempted to reach Ms. [redacted] by telephone seven times before receiving a call back the evening of June 14, 2016. On June 14, 2016 [redacted] attempted to reach Ms. [redacted] multiple times to inform her we had reached a settlement agreement on her [redacted] account. Just before the close of business on June 14, 2016 Ms. [redacted] returned the call. Before [redacted] was able to discuss the settlement, the client asked her if our program was debt settlement or consumer credit counseling. [redacted] explained we are a debt settlement program and reminded the client that she was explained this multiple times on April 8, 2016 when she signed up for our services. (our enrollment paperwork states this fact many times). [redacted] was finally able to inform the client of the settlement she had set up earlier in the day. The client told her she did not believe we negotiated a deal. The settlement letter is attached to this response. The letter is dated June 15, 2016 as [redacted] does not process offer letters until the following business day. [redacted] attempted to give her the details of the settlement but the client did not want to hear about them. She asked what she needed to do in order to cancel her program. [redacted] explained that she would need to pay the fee associated with settling her [redacted] account (roughly $700) as the work has been done and the first payment had been made to [redacted]. The client said she would pay that amount and hung up.The facts are that the client knew the type of service we offer before she signed up. She also knew her program was scheduled for 42 months and there was no guarantee as to how quickly we would be able to settle any of her accounts. Luckily for her, we were able to negotiate a settlement by her second month that saved her nearly 70% of what was owed. Keep in mind, that we quote a 50% reduction at the time of enrollment so not only was this settlement achieved quickly, it was also featured a much greater savings that we projected to the client. There were no negotiations conducted with any creditor after this conversation on June 14, 2016. Our only communication with the client since then was to send the offer letter from [redacted]. This was sent to the client via email on June 17, 2016.
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 attached voicemail recordings from this company. Can they still continue to deny it? I would like to know HOW and which company they received my phone number as a lead! I am still getting texts and calls everyday for student loans and loan forgiveness! There is no [redacted] and I have no idea who that would be! In addition, I do not and have never had student loans! This complaint will also be filed with FCC due to this company lying to me! They need to provide to me how they received my phone number and from which LEAD generation company!
Regards,
[redacted]
We have no record of ever having a client by this name or ever speaking to a perspective client by this name or at that phone number We believe this complaint is filed against the wrong company and ask that it be removed from our report
At no time did we deny calling your phone numbers In each response, we stated that we did not have any client by your name and had not spoken to anyone at your phone number and been notified we had incorrect informationWe received an inquiry for our services under the name *** *** with your phone number on July 13, 2017. We did make two phone calls to that number on July 14, and August 10, 2017. In neither case did we speak to anyone, nor were our calls returned, to inform us that we had a wrong phone number We have never sent an SMS text message to your number and do not offer student loan relief services as your complaint states. As evidenced by the messages you provided, your voicemail does not identify yourself, thus we had no reason to believe we had an incorrect phone number Per our previous response, your phone number has been blocked and cannot be dialed again by our company Your assertion that 4-calls are being made daily to your phone by our company is completely inaccurate, and quite frankly an unfair accusation considering the calls are coming from various numbers. If are truly receiving that many calls per day, there are other companies also attempting to contact someone at your phone number, which we can no control over. We recommend you answer those calls and resolve the issue with those companies with a simple conversation rather than filing complaints. The fact that two voicemail messages were left on your answering machine nearly days apart is not harassment and your issue could have easily been resolved had you called our office and asked to have the number removed. It would have been a simple solution to the problem rather than filing a complaint against a company and arguing through the resolution. This will be our last response to this matter as the Revdex.com has closed the complaint. We wish you the best of luck
As previously stated, we have no record of ever having a client by this name or ever speaking to a perspective client by this name or at that phone numberIt is possible that his phone may have been dialed in error, but at not time have we ever spoken to someone at that number and been told it is a wrong number or not to call again The number has been blocked in our phone system and cannot be dialed again
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 #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
*** ***
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 # ***
[I have not agreed to pay any settlement, I have not signed accepting the terms of a settlementI was advised when signing up that I would need to agree to the payoff however I did not agree with the payoffI was told the companies that I am attempting to resolve were going to draft out of my account which I was not aware I would pay my monthly fee plus money to the creditorsI have asked for proof of payment to the creditors and was told they have been calling to speak to meI asked for proof of what my payments paid and have yet received anythingAny time there was a NSF draft it was resolved meaning I gave permission to draft againFrom July to April I have had zero debts paid and have not been presented to sign a settlement agreementI attached emails stating settlements have been made for me then we were in the middle of settlementsConflicting info with no services provided after paying over 2kThe creditors are sending me info showing no payments have been made however I am being charged fees that total all my payments]
Regards,
*** ***
On March 31, *** *** enrolled in our debt relief program At the time of enrollment, she stated she had $9,in total debt, owed to six accounts (*** *** - $2,452, ** *** *** *** - $1,000, Barclays - $1,896, *** *** *** - $599, *** - $932, & *** *** -
$2,358) The agreed upon program terms were monthly deposits in the amount of $ Ms*** completed her enrollment package, some of which is attached as a pdf file named "***".Ms*** made her first three deposits (April through June 2015) as well as an additional deposit of $on June 26, On June 26, a representative contacted Ms*** and notified her of a settlement offer that was available on her *** *** account for 48.5% of her enrolled balance Ms*** accepted the settlement and gave us authorization to set it up with *** *** Additionally, she agreed to deposit an additional $as part of this settlement (recording of this can be submitted if necessary) The settlement structure agreed to with *** *** required monthly payments be made in order to complete the deal ($on 6/30/15, $7/30/and 8/30/15, $on 9/30/and 10/30/and $on 11/30/15) A letter was emailed to Ms*** on June 26, detailing the settlement agreement This document is attached (*** ***Settlement and Fee Agreement).On July 30, 2015, we were notified that the client's program deposit for the monthly of July did not clear due to the client revoking authorization on it We attempted to reach her multiple times without response until she returned a call on August 5, She left a voicemail stating she would not be available to speak until after 7pm but she was requesting a hold be put on her account On August 7, she called in again requesting to skip her August deposit as well During this conversation, she was informed the *** *** settlement was voided due to the bounced deposit from July Ms*** said she understood and offered to make a "triple" deposit at the end of September One September 11, a representative emailed Ms*** for an updated She replied on September 18, These emails are attached (Aug Sept Email Thread)The last email in this document was dated September 23, and Ms*** was once again requesting to delay her next program deposit, this time to the month of October.On November 6, 2015, Ms*** called in to inquire as to where her money had been used It was explained to her and she was given the phone number to *** *** *** the payment processor for our debt relief program if she wanted further verification Attached is a statement showing all transactions in her program account from her enrollment through the end of December (***) The attached document "***" also illustrates that Ms*** was aware that fees are charged as settlements are negotiated. On November 17, Ms*** called in upset at the lack of progress in her program A representative explained to her we cannot settlement accounts without her depositing funds (see attachment ***) Ms*** then requested to cancel the program and a cancelation notice was mailed to her On December 8, she emailed stating she did not get the cancel notice She stated she was no longer residing in Tennessee but failed to provide her new address
On June 16, 2015, *** *** entered into our debt relief program At the time of enrollment, Ms*** stated she had three accounts totaling $12,(*** *** - $1,193, *** - $4,262, & *** - $7,330) She was approved for a program term of months with a monthly
deposit amount of $ Ms*** was quoted an estimated 50% reduction on her total enrolled debt (See DocuSign Page attachment) Ms*** was informed multiple times during her enrollment that monthly payments are not made to her creditors Rather, her monthly deposit would go into a program account in her name until we are able to negotiate settlements with her creditors (See DocuSign Pages & attachments) On June 22, 2015, a client service representative called Ms*** to cover our New Client Welcome Package with her This package is specifically designed to assist our clients in minimizing (and usually eliminating) creditor correspondence We have used the same materials for nearly nine years to assist clients with creditor contact, and have seen near perfect results Upon review of Ms*** program, it appears representatives of Elite Financial Services attempted to cover this material with Ms*** multiple times over a three week period of time During that time, Ms*** sent multiple emails to our representatives stating she was unavailable to go over the document It was not until July 13, that Ms*** was available to cover the New Client Welcome Package The instructions with this package are very clear and simple We provide template letters as well as the correct addresses to send them to via certified mail We also ask that clients send a copy to our office so we have it on file in case a creditor continues to contact our client Elite Financial Services never received copies of these letters nor the tracking information for the certified letters that Ms*** was supposed to send to her creditors It is my assumption that she never sent these letters to Capital One, ***, or *** and that is why the creditor contacted continued. Representatives of Elite Financial Services began contacting Ms*** creditors on July 20, Since the client's deposits are the source of funds for settlements, it is not uncommon that at least one deposit must clear before we beginning contact creditors on our clients’ behalves (See DocuSign Page attachment) Contact was made with all three enrolled creditors from July through December It was not until December 21, 2015, that a beneficial settlement offer was available on one of Ms*** accounts A representative from Elite Financial Services called Ms*** to notify her that we had negotiated a settlement with *** *** for 50% of the balance owed At this point in her program, Ms*** had not accumulated enough funds to take advantage of the offer so a call was made to Ms*** to discuss the offer and what would be required if she wanted to take advantage of it It is out company's policy to notify clients of all beneficial settlement offers we receive from their creditors, whether the client has the funds saved or not In this case, it was explained to Ms*** that she would need to deposit an additional $in January and February if she would like to accept the offer Ms*** said she was not able to commit to the additional funds so the settlement was not agreed to Clients of our debt relief program are never required to deposit more than the agreed upon monthly amount, however we consistently discuss settlements such as this without clients in hopes that they can accelerate their program and take advantage of good offers when the creditors make them available When Ms*** informed us that she could not commit to the additional funds that would be necessary, our representative told her that is fine and also educated her on what *** may do to collect on the debt moving forward Many *** accounts are sent to law firms when they charge off and often times the offers to settlement are much higher than when negotiating with *** directly Ms*** was informed about this potential action by *** We educated her so she would be made aware of this as quickly as possible so that it would not surprise her later if it happenedOn January 5, 2016, Ms*** sent an email requesting her program be canceled Per our policy, all scheduled deposits were immediately stopped and a manager attempted to call her on January 6, to discuss the reason for cancelation A message was left for Ms*** which she later returned She asked to have all funds in her program account returned to her, and her requested was obliged On January 6, Ms*** program was canceled and a check (check number ***) in the amount of $1,was mailed to the client's home address
Ms. [redacted] was made aware of both settlements that were negotiated on her behalf and she spoke with multiple representatives regarding those deals, particularly when arrangements were being made for her to make up her insufficient funds via wire transfer or moneygram. Written authorization is not required for the acceptance of any settlement. These two methods of deposit are required when a client is involved in a settlement and their deposit bounces. Here are the dates of the communciations between EFS and Ms. [redacted] regarding the settlements:October 17, 2016 - [redacted] informed client of settlement with [redacted] BankDecember 13, 2016 - [redacted] explained urgency of making up her bounced deposit via moneygram or wire transfer to save the settlement with [redacted]January 2, 2017 - [redacted] discussed settlement being in danger of defaulting due to client's bounced depositJanuary 3, 2017 - [redacted] discussed making up the bounced deposit via moneygram or wire transfer to salvage the [redacted] settlementJanuary 4, 2017 - [redacted] again discussed how the client needed to send her deposit in so she didnt lose the settlementFebruary 7, 2017 - [redacted] informed client of the settlement reached on her Walmart account served by [redacted]The only reason Ms. [redacted]'s program is not successful at this time is her inability to make her scheduled program deposits as she agreed to upon entry into the program. EFS is still offering to assist Ms. [redacted] in getting her debts resolved.
Elite Financial Services negotiated a settlement on behalf of Mr. [redacted] on his [redacted] account with [redacted] saving him over $6,000. The settlement was to be paid over a period of 24 months. In March 2015, the settlement was established and payments were set up with [redacted]...
[redacted]. Fees payable to EFS for the settlement were also set up. The deal was voided in February 2016 when Mr. [redacted] skipped his monthly program deposit. He never notified EFS of his hardship that month, instead he only asked the payment processor, [redacted] Client Solutions to skip the deposit (which they did). As a result of Mr. [redacted] not notifying EFS directly, there was no opportunity to adjust the settlement terms with [redacted] in an effort to save the settlement. When his draft did not process, the settlement payment was not made and the settlement was lost. At that time, Mr. [redacted] was notified that the deal was lost and would need to be renegotiated. All money he paid toward this settlement was applied to the balance.After months of renegotiations, in September 2016, EFS was finally able to secure a second settlement for Mr. [redacted]. At the time, he was informed that under the new terms of the deal, he would need to either add an additional sum of money or extend his program. Mr. [redacted] stated he did not have additional funds to deposit, so he agreed to extend his program deposits. When we explained to Mr. [redacted] that we would need to record his authorization, he said he would need to do so at a later time. Because he had agreed to the deal, EFS secured the second settlement and set up payments with [redacted]. Since Mr. [redacted] was the party responsible for the initial settlement being voided, fees for this settlement were also set up. EFS is entitled to once again collect fees for the negotiation of the debt as it was a completely separate deal that took months to work out. The initial payment of $100.00 was processed by [redacted] on September 30, 2016 and cleared Mr. [redacted]'s program account. After this initial payment, EFS attempted to contact Mr. [redacted] multiple times to process the recording that would authorize the necessary additional deposits (a recording is required by the payment processor [redacted] Client Solutions). When the second payment (in the amount of $435) was processed by [redacted], it was returned by EFS. EFS made the decision to not spend any more of the client's funds toward the settlement without Mr. [redacted] providing the necessary recording. The decision to stop the payments was made because Mr. [redacted] would have been short on the total amount necessary for the second settlement terms and rather than have thousands of his dollars applied to the balance again, EFS stopped the payments in an effort to help the client. In November 2016, EFS finally made contact with Mr. [redacted] and informed him that we once again needed to record his authorization for the additional deposits. Mr. [redacted] said he understood and would make the necessary deposits but again refused to record his authorization. Per the Telephone Sales Rule, EFS is entitled to collect fees for the service of negotiation after at least 1 payment is made toward a deal. EFS' recollects fees on a the second attempt to settle an account anytime a client's negligence caused the initial settlement to be voided. The policy for EFS limits fees to be collected just twice on any particular enrolled debt. The fees for the second settlement have continued to be paid since the settlement was once again voided as no fault of EFS. Mr. [redacted]'s program was never canceled. He was made aware that he voided the original settlement due to his decision to skip his February 2016 deposit. He was informed in September 2016 of the second settlement and he agreed to the necessary terms that required extending his deposits. Mr. [redacted] never followed through with his commitment to add the additional funds. As of this month, EFS still has a standing settlement offer for Mr. [redacted] on his [redacted] account. EFS has continued to work on Mr. [redacted]’s behalf and has now negotiated a beneficial settlement on this account three times. Copies of the written settlement letters for the first two settlements are attached to this response as evidence of the work we have done. Acceptance of the current offer is only awaiting Mr. [redacted]'s approval. As an additional note, EFS settled Mr. [redacted]'s other three enrolled accounts which had a combined balance of $13,765 for a total of $6,264.
Hello Revdex.com:Here are the two recordings from my voicemail from Elite Financial. Are they going to continue to deny and lie about calling my phone number? Also, there is NO [redacted]! I continue to get calls and texts in regards to her! I need to know how they obtained my phone number.Thank you.[redacted]
Elite Financial Services assisted Ms. [redacted] in settling seven accounts. Since her program was completed, she has contacted us for further assistance because she was continuing to receive collection calls regarding two accounts. We have been in communication with Ms. [redacted] recently, prior...
to this complaint, and agreed to assist her in anyway possible. We explained we would contact the agencies that are calling her and send them proof that the accounts were settled previously - which we had already done prior to the date of this complaint. We explained to Ms. [redacted] that while this is certainly an unfortunate occurrence, and certainly one we wish did not happen, it is something that happens occasionally and we are prepared to handle it and resolve it. We can not grant Ms. [redacted]'s request to have the accounts removed from her credit report, as we do not perform credit repair services, but we can ask that the accounts are properly updated to show that they were satisfied via settlement and Ms. [redacted] has no further obligation to pay. When we have updated information from the collection agencies, we will relay it to Ms. [redacted] as quickly as possible.
Ms. [redacted] signed up with EFS in July 2016. Her program terms were 36 monthly payments of $337.67. While enrolled with EFS, three of her seven enrolled accounts were entered into agreed upon settlements that EFS had negotiated. During the ten months she was enrolled with EFS (July 2016 -...
April 2017), Ms. [redacted] had six deposits returned as insufficient funds. These returned deposits resulted in Ms. [redacted] losing AT LEAST two of the three agreed upon settlements. The result of the third settlement is still unknown as the payments were scheduled to be processed by the creditor directly from her personal bank account. Ms. [redacted] never confirmed with EFS if she made the payments as she originally agreed to. When asked about the payments, Ms. [redacted] responded by saying she would "check her bank statement". It is believed that she failed to make those payments as she failed to make her scheduled program deposits to EFS. Multiple representatives of EFS have explained to Ms. [redacted] that we would continue to work on her behalf and fix the settlements that were voided as a result of her insufficient deposits. Ms. [redacted] refused to allow EFS to do so and informed EFS that she had signed up with another company. EFS collected portions of its fee for the three settlements that were agreed upon and commenced. Per the attached contract, page 10 to be precise, fees paid to EFS are nonrefundable should a client choose to cancel their prorgram before it's scheduled completion date.
Revdex.com:
I am on vacation in Barcelona...
right now. I will be back in 3 days and will fully respond at that time. I have recorded voicemails with their telemarketers asking for the person and leaving their phone number. How can I lie about that? Typical illegal telemarketing company to just deny it!
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]
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,This company is lying about Me accepting or agreeing to anew contract bottom line, I never signed anything to that affect.At this time I want to Cancel my contract with them and have them send the remaining Drafts to me by check.Thank you.
[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.
Regards,
[redacted]
Ms. [redacted] called our office on April 8, 2016 looking for assistance with five accounts totaling $18,002.00 worth of debt that she had fallen 30-60 days past due on. After conducting an evaluation, we offered Ms. [redacted] a debt relief program with the following terms; a monthly program payment of...
$377.80 for a period of 42 months. Ms. [redacted] accepted this offer and signed up for our services via Docusign electronic signature (attached document). During the enrollment process, all clients are explained that we will negotiate settlements with their creditors, but we do not guarantee any specific time frame for these deals to take place. Ms. [redacted]'s claim that we told her we would settle within 30 days of enrollment is not accurate.During our enrollment phone call, Ms. [redacted] was told the next communication she would receive from our company would be on May 2, 2016 to go over her New Client Welcome Package. On this day, [redacted] did call the client on her cell phone and was told that it was not a convenient time to go over the material. It was agreed by both parties to follow up the next day. On May 3, 2016, [redacted] once again reached Ms. [redacted] on her cell phone and they covered the New Client Welcome Package. [redacted] told Ms. [redacted] account by account what document(s) Ms. [redacted] needed to send to her creditors. During this conversation, it was discovered that Ms. [redacted] had provided incomplete and inaccurate information about her accounts. She provided some of her account numbers and also informed our office that her balances were incorrect. As a result, her debt total was increased to $19,490.17 (a discrepancy of $1,488.17). Ms. [redacted] informed us she would need to call back with her account numbers.On May 11, 2016, [redacted] called the client to get the rest of the account numbers. During this call, the client became aggravated because she did not have the numbers we needed. She expressed her desire to remove all accounts from her program with the exception of [redacted] because she could not get the account numbers. [redacted] informed Ms. [redacted] that we can still negotiate with the creditors but the account numbers are necessary for the New Client Welcome Package documents to be sent. Ms. [redacted] inquired about our progress with negotiations. [redacted] explained we are working on the accounts but we need her funds to accumulate in order to pay the creditors. Between May 16, 2016 and June 14, 2016, [redacted] attempted to reach Ms. [redacted] by telephone seven times before receiving a call back the evening of June 14, 2016. On June 14, 2016 [redacted] attempted to reach Ms. [redacted] multiple times to inform her we had reached a settlement agreement on her [redacted] account. Just before the close of business on June 14, 2016 Ms. [redacted] returned the call. Before [redacted] was able to discuss the settlement, the client asked her if our program was debt settlement or consumer credit counseling. [redacted] explained we are a debt settlement program and reminded the client that she was explained this multiple times on April 8, 2016 when she signed up for our services. (our enrollment paperwork states this fact many times). [redacted] was finally able to inform the client of the settlement she had set up earlier in the day. The client told her she did not believe we negotiated a deal. The settlement letter is attached to this response. The letter is dated June 15, 2016 as [redacted] does not process offer letters until the following business day. [redacted] attempted to give her the details of the settlement but the client did not want to hear about them. She asked what she needed to do in order to cancel her program. [redacted] explained that she would need to pay the fee associated with settling her [redacted] account (roughly $700) as the work has been done and the first payment had been made to [redacted]. The client said she would pay that amount and hung up.The facts are that the client knew the type of service we offer before she signed up. She also knew her program was scheduled for 42 months and there was no guarantee as to how quickly we would be able to settle any of her accounts. Luckily for her, we were able to negotiate a settlement by her second month that saved her nearly 70% of what was owed. Keep in mind, that we quote a 50% reduction at the time of enrollment so not only was this settlement achieved quickly, it was also featured a much greater savings that we projected to the client. There were no negotiations conducted with any creditor after this conversation on June 14, 2016. Our only communication with the client since then was to send the offer letter from [redacted]. This was sent to the client via email on June 17, 2016.
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 attached voicemail recordings from this company. Can they still continue to deny it? I would like to know HOW and which company they received my phone number as a lead! I am still getting texts and calls everyday for student loans and loan forgiveness! There is no [redacted] and I have no idea who that would be! In addition, I do not and have never had student loans! This complaint will also be filed with FCC due to this company lying to me! They need to provide to me how they received my phone number and from which LEAD generation company!
Regards,
[redacted]