Revdex.com of Chicago & Northern Illinois, Inc. 330 N. Wabash Avenue, Suite 3120 Chicago, IL 60611 RE: Mia N. [redacted] (Client) - Revdex.com Case ID# [redacted] To whom it may concern: This email is in response to your inquiry regarding Mia N. [redacted]. ...
Family Credit Management (FCMS - d/b/a Family Credit Counseling Service) has researched the account and the following information will summarize our position: Client signed our agreement and enrolled in our Debt Management Plan on 11-05-16. Client requested her payment be made through our free AutoPay option and signed her authorization for our ACH form electronically on 11-05-16 to have $390.00 withdrawn on the 8th of each month. Client contacted us via email on 12-06-16 10:17 AM to hold her payment for December 8th. Her email stated the following: "I'm really falling behind on my bills due to lack of work because of thanksgiving and the holidays. I'm not sure if I can make the payment in whole this month. What are my options for help? I'm working half days and getting half the hours I normally do. Please and thank you." When our client services representative received her email we immediately stopped her AutoPay as to not overdraw her checking account. Therefore, no payment was withdrawn on December 8th. An email response was sent to Client 12-06-16 3:59 PM indicating we have held her scheduled ACH payment and asked for more information specifically, what amount can Client afford for her December payment. Unfortunately, the response was sent to an email address with one number omitted and Client did not receive our response. Client is now upset the payment which she said she could not afford was not made. While our email response did go to an invalid email address which was our error, we received no other correspondence from Client nor did she attempt to contact us by telephone, chat or ask to speak to a supervisor at any point. Client did not contact us again until she filed a Revdex.com complaint almost a month after her payment to us was due. As one of the largest credit counseling agencies in the country for over 20 years we are of course, disappointed that we sent our response to the wrong email address, however, a quick call from Client would have allowed us to clarify what amount, if anything, Client could afford to pay in December. I will be copying the Revdex.com on this letter and processing Client’s FCMS account to close. No further payments will be withdrawn from Client’s banking account; please begin making payments to creditors directly. If further discussion is needed, please feel free to contact me at (815) 484-1642 Monday through Friday 8:30 AM to 5:00 PM CST or by email at Kim[redacted]@familycredit.org. Sincerely, Kim [redacted] Client Services Department Manager
January 26, 2017 Revdex.com of Chicago & Northern Illinois, Inc. 330 N. Wabash Avenue, Suite 3120 Chicago, IL 60611 RE: Mia N. [redacted] (Client) - Revdex.com Case ID# [redacted] To whom it may concern: I have reviewed our former Client’s latest request. She now has requested we refund all of the money she has paid us, she is well aware her payments went to pay her creditors and have been credited to her debt. As we previously reported, she sent us an email stating she could not make a full payment in December. We stopped the payment. We emailed her to question if she could instead make a partial payment (this email was not received by her as there was a typo in the email address) and she never followed up with us in December. She apparently did not notice her consolidation payment was not deducted from her bank account until after Christmas at which time she notified us saying she did not have the funds to make up the December payment (which, if this payment was authorized at this point, would have led to no negative marks on her credit). We understand many of our clients struggled in making their full payment in December and that we had a typo in our email to her. However, a quick telephone call, online chat, or email, would have resolved this (unless she did not have the funds as she alluded to in her initial email). Now she would like us to contact each of her creditors to reverse all her previous payments and refund the money to her. She is well aware we do not have the funds as they were paid to and applied to her outstanding balances by her creditors. If she would like, we can make a request to her creditors to reverse previous payments, but please understand if granted, this would cause serious damage to her credit. If further discussion is needed, please feel free to contact me at ([redacted]) [redacted] Monday through Friday 8:30 AM to 5:00 PM CST or by email at Kim.[redacted]@familycredit.org. Sincerely, Kim [redacted] Client Services Department Manager
I contacted this agency after finding them online via a [redacted] search. I read a few online reviews that were favorable and decided to move forward. So far I am very pleased with my experience! I was able to do everything via email, which is such a huge help for me as I simply don't have time to meet anyone in person, or spend lots of time on the phone. My rep was attentive and responsive, guiding me through the process with ease.
I had nowhere to turn, husband lost his job, I was only working part time at a pizza place and we had really high credit card debt. I tried frantically to get a loan to consolidate all my debt but because of my high balances on my cards I was unable to get approved for a loan. This was another option and we chose this. Now we pay a set payment twice a month. Yes it has hurt our credit because all our accounts had to be closed, but the payments are slowly chipping away at the balances and we have about 3 years total to be credit card and other debt free. We've been in the program since about December so less than three years from now our balance will be practically zero!!!!! Im so excited:)
Revdex.com of Chicago & Northern Illinois, Inc. 330 N. Wabash Avenue, Suite 3120 Chicago, IL 60611 RE: Mia N. [redacted] (Client) - Revdex.com Case ID# [redacted] To whom it may concern: This email is in response to your inquiry regarding Mia N. [redacted]. ...
Family Credit Management (FCMS - d/b/a Family Credit Counseling Service) has researched the account and the following information will summarize our position: Client signed our agreement and enrolled in our Debt Management Plan on 11-05-16. Client requested her payment be made through our free AutoPay option and signed her authorization for our ACH form electronically on 11-05-16 to have $390.00 withdrawn on the 8th of each month. Client contacted us via email on 12-06-16 10:17 AM to hold her payment for December 8th. Her email stated the following: "I'm really falling behind on my bills due to lack of work because of thanksgiving and the holidays. I'm not sure if I can make the payment in whole this month. What are my options for help? I'm working half days and getting half the hours I normally do. Please and thank you." When our client services representative received her email we immediately stopped her AutoPay as to not overdraw her checking account. Therefore, no payment was withdrawn on December 8th. An email response was sent to Client 12-06-16 3:59 PM indicating we have held her scheduled ACH payment and asked for more information specifically, what amount can Client afford for her December payment. Unfortunately, the response was sent to an email address with one number omitted and Client did not receive our response. Client is now upset the payment which she said she could not afford was not made. While our email response did go to an invalid email address which was our error, we received no other correspondence from Client nor did she attempt to contact us by telephone, chat or ask to speak to a supervisor at any point. Client did not contact us again until she filed a Revdex.com complaint almost a month after her payment to us was due. As one of the largest credit counseling agencies in the country for over 20 years we are of course, disappointed that we sent our response to the wrong email address, however, a quick call from Client would have allowed us to clarify what amount, if anything, Client could afford to pay in December. I will be copying the Revdex.com on this letter and processing Client’s FCMS account to close. No further payments will be withdrawn from Client’s banking account; please begin making payments to creditors directly. If further discussion is needed, please feel free to contact me at (815) 484-1642 Monday through Friday 8:30 AM to 5:00 PM CST or by email at Kim[redacted]@familycredit.org. Sincerely, Kim [redacted] Client Services Department Manager
January 26, 2017 Revdex.com of Chicago & Northern Illinois, Inc. 330 N. Wabash Avenue, Suite 3120 Chicago, IL 60611 RE: Mia N. [redacted] (Client) - Revdex.com Case ID# [redacted] To whom it may concern: I have reviewed our former Client’s latest request. She now has requested we refund all of the money she has paid us, she is well aware her payments went to pay her creditors and have been credited to her debt. As we previously reported, she sent us an email stating she could not make a full payment in December. We stopped the payment. We emailed her to question if she could instead make a partial payment (this email was not received by her as there was a typo in the email address) and she never followed up with us in December. She apparently did not notice her consolidation payment was not deducted from her bank account until after Christmas at which time she notified us saying she did not have the funds to make up the December payment (which, if this payment was authorized at this point, would have led to no negative marks on her credit). We understand many of our clients struggled in making their full payment in December and that we had a typo in our email to her. However, a quick telephone call, online chat, or email, would have resolved this (unless she did not have the funds as she alluded to in her initial email). Now she would like us to contact each of her creditors to reverse all her previous payments and refund the money to her. She is well aware we do not have the funds as they were paid to and applied to her outstanding balances by her creditors. If she would like, we can make a request to her creditors to reverse previous payments, but please understand if granted, this would cause serious damage to her credit. If further discussion is needed, please feel free to contact me at ([redacted]) [redacted] Monday through Friday 8:30 AM to 5:00 PM CST or by email at Kim.[redacted]@familycredit.org. Sincerely, Kim [redacted] Client Services Department Manager
I contacted this agency after finding them online via a [redacted] search. I read a few online reviews that were favorable and decided to move forward. So far I am very pleased with my experience! I was able to do everything via email, which is such a huge help for me as I simply don't have time to meet anyone in person, or spend lots of time on the phone. My rep was attentive and responsive, guiding me through the process with ease.
I had nowhere to turn, husband lost his job, I was only working part time at a pizza place and we had really high credit card debt. I tried frantically to get a loan to consolidate all my debt but because of my high balances on my cards I was unable to get approved for a loan. This was another option and we chose this. Now we pay a set payment twice a month. Yes it has hurt our credit because all our accounts had to be closed, but the payments are slowly chipping away at the balances and we have about 3 years total to be credit card and other debt free. We've been in the program since about December so less than three years from now our balance will be practically zero!!!!! Im so excited:)