Jimmy's Roofing, Siding, & Tree Service

Thank you for making us aware of the consumer’s complaint received on 8/31/Per the consumer’s request all communication to the consumer’s place of employment has been ceasedPlease have the consumer contact our representative [redacted] at [redacted] ext [redacted] to discuss the previously agreed upon payment arrangement or the consumer can send her money order to Atlantic Credit & Finance at: [redacted] ***

Thank you for bringing the consumer’s concerns to our attention on 12/14/A review of our records indicates that Atlantic responded to consumer’s complaint with the Revdex.com on 7/13/It was explained that there was an error in processing her payment, and the payment submitted on her account by her debt settlement company ( [redacted] ) was returned inadvertentlyAdditionally, it was explained to [redacted] on 7/13/that the error occurred and it was agreed that Atlantic would continue with the payment proposal previously agreed uponWe did not hear back from [redacted] until 11/10/2017, in which they faxed over another payment proposal and did not receive a payment on the account in question until 11/16/in which a payment of $was receivedWe were finally able to reach [redacted] on 12/12/in which we informed them, again, that we would accept the proposed payment planWe regret the consumer is having a difficult time getting this taken care of but feel as though we have done everything we can to accommodate the consumerAtlantic will accept the proposal that [redacted] has sent us previously and will gladly accept any payment received on the account in questionPlease have the consumer contact me directly with the information provided below should she have any additional questions or concerns.Thank You [redacted] Quality Assurance ManagerAtlantic Credit & Finance

Thank you for providing us with a copy of the consumer's complaint Our records reflect that the account at issue is with the law office of [redacted] to handle on our behalf We have provided their office with a copy of the consumer's complaint and we kindly ask that the consumer contact their office directly for further assistance at [redacted] We appreciate the opportunity to respond to the Revdex.com

I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved However, they will not be able to refund the amount back to the card number they have on file because that account has since been closed If they will be able to send a paper check that would be acceptable as well Regards, [redacted]

I have reviewed the response offer made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Im not satisfied with my personal information being sold another company because of Atlantic Credit & Finance harassment and poor training I would prefer my account be either sent back to the original creditor or either deletedHaving already been a victim to identity theft, my information being passed from company to company makes me beyond uncomfortable and terrified Regards, [redacted]

I have reviewed the response offer made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I respectfully request deletion of the COLLECTION account associated with Atlantic from all major bureausAccording to their classification, they are inappropriately reporting the debtAtlantic Credit & Finance is reporting as a FACTORING COMPANY which is a violation of the FCRA because they are actually DEBT COLLECTORS I have attached the proof of my complaintIt's the page from my credit report where Atlantic Credit & Finance was listed as a Factoring Company Regards, [redacted] ***

I have reviewed the response offer made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I have previously filed a complaint but have just learned it is no longer solvedAtlantic Credit contacted me regarding a debt owedEven though I had added the company to my existing debt management program AND they accepted payments, they continued to call me multiple times a dayThrough the Revdex.com Western Virginia, I received an email from Atlantic Credit on June stating they will work with my existing debt management program and stop harassing me multiple times a dayAt that time, I closed the complaintHowever now, 7/6, my debt management program informed me when I was calling to make another payment that Atlantic has told them they will no longer accept payments, even though they already have and agreed in writing toI have previously told customer service of Atlantic Credit that this was the only way I could pay and they have told me that they will, including here on the Revdex.com site! No one from Atlantic has outreached to me to let me know they will now stop accepting payments moving forwardI have attempted today to call customer service and email them as wellI just want to make payments and am confused why something previously agreed upon in writing is no longer valid, without any notice to myself.Please, as previously agreed, continue accepting my bi-weekly payments through my already established debt management programI have informed the business already that I cannot enter into any other debt programs/pay off plans outside of my existing DMPAtlantic Credit agreed on June to work with my DMP, even on the Revdex.com site via responseThey have also accepted payment from my DMPPlease go back to what we agreed and accept my payments so I can get this done and taken care of

I have reviewed the response offer made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted]

Thank you for the correspondence sent to Atlantic Credit & Finance regarding the consumer’s complaint on 10/31/After receipt of this complaint we did receive a call from the consumer on 10/31/requesting that we contact [redacted] regarding this account on her behalfPer the consumer’s request we have ceased all calls on the account in question and will communicate with Freedom Debt Relief directlyPlease have consumer contact us at [redacted] ext [redacted] with any additional questions or concerns

Thank you for bringing the consumer’s concerns to our attention on 10/20/A review of our records indicates that we spoke to the consumer on 10/20/at her place of employment and she informed us that she could not receive calls thereAt that time we marked the phone number as a do not call and restricted all future calls to the consumer’s place of employmentDue to the consumer’s complaint we will be returning the account, along with a copy of the consumer’s complaint to the current creditor [redacted] can be contacted at [redacted] Thank you

Thank you for making us aware of the consumer’s complaint received by Atlantic Credit & Finance on 11/2/As per the consumer’s request, Atlantic has ceased all communication to the consumer and co-consumer on the account at issue and will be returning the account, along with a copy of the consumer’s complaint to the current creditor, [redacted] *** [redacted] can be contacted at [redacted]

Thank you for providing us with the consumer’s complaint Our records reflect that the account at issue has been placed with [redacted] **, since September of to handle on our behalf We have provided their office with a copy of the consumer’s complaint for review and we kindly ask that the consumer contact their office directly with any questions or inquiries as to the account: [redacted] Your assistance is greatly appreciated

Thank you for bringing the concerns of the consumer to our attention on 8/16/We want to assure the consumer that all of our associates are well trained in state and federal laws that are applicable to our businessWe take such allegations very seriously and appreciate that these concerns have been brought to our attentionPer the consumer’s request we have ceased all communication and will be returning the account, along with a copy of the consumer’s complaint to the current creditor, [redacted] *** Please have the consumer contact [redacted] Consumer Support Service team at [redacted] *** with any additional questions or concerns.Thank you

Thank you for making us aware of the consumer’s complaint received on 8/26/We want to assure the consumer that all of our associates are well trained in state and federal laws that are applicable to our business and regret the consumer had a negative experienceWe take such allegations very seriously and appreciate that these concerns have been brought to our attentionAt this time, Atlantic has ceased all communication with the consumer and will be returning the account, along with a copy of the consumer’s complaint to the current creditor, [redacted]

Thank you for giving us the opportunity to respond to the consumer’s concerns and we regret our previous responses have not been satisfactory to the consumerAtlantic Credit & Finance only reports to [redacted] ***Atlantic does not report consumer data to the other two credit bureaus and therefore cannot request them to delete data that has not been providedAs stated before, Atlantic has confirmed with [redacted] that any information that was provided to them by Atlantic on the account in question has been deletedIf the consumer should have any additional questions or concerns please have them contact Atlantic at [redacted] Thank you

They are FLAT OUT LYING and we have the proof We asked that they STOP the automatic payment from Debit Card for the obvious reasons that ANY lawyer would inform their client NOT to do So, I let the person know that we would prefer making the payments with a check and by sending them in through [redacted] and they accepted it And have been receiving payments ON TIME til we moved here to [redacted] Now, suddenly its a problem and they claim they aren't receiving payments? Funny, all other businesses receive their payments ON TIMEAtlantic Credit is the only one and making claims that they are NOT I have even asked the other companies to let me know when they received payments from us, they receive it within 3-business daysSo, now, you tell me WHOM is lying? Atlantic Credit is They cashed in a check that they shouldn't have, therefore receiving two paymentsThey haven't yet cashed the one we sent for this month and we KNOW they have it seeing how they received the one they never claimed that they got and cashed.This is deceitful to the paying customer A practice to which I am sure they do to many of their customers Any lawyer will tell a client to NEVER allow for a COLLECTION agency to do AUTOMATIC PAYMENTS and for the obvious reason that they were recently trying to do when they called us They wanted it for a so called one time payment, Ha, they would have kept dipping into our account without prior consent nor approvalThey are LYING to the Revdex.comBut what else is new? I have reviewed the response offer made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted]

Thank you for providing us with the consumer's complaint Our records reflect that on 1/12/the payments set up on the account at issue were canceled as requested by the consumer Upon receipt of the complaint the account was placed in a Cease & Desist status in our system so that no further communication would be initiated by Atlantic Further, the account at issue will be closed and returned to [redacted] ***, the current creditor.We appreciate the opportunity to respond to the Revdex.com and please feel free to contact us should additional information be required

Thank you for providing us with the consumer’s follow up to our responseAs we previously responded, the law firm of [redacted] is representing Atlantic Credit & Finance on the consumer’s account that’s in questionAccordingly, we would request the consumer communicate directly with the firm We are forwarding a copy of the consumer’s follow up response to [redacted] Also, the consumer is welcome to contact their firm at [redacted] We appreciate your assistance

Thank you for bringing the concerns of the consumer to our attention on 10/19/After a review of our records, we did speak with the consumer on 10/19/at her place of employment when Ms [redacted] informed us that she could not take calls at this numberAt that time, we marked the consumer’s place of employment number as a do not call in our system, and that number has not been called sinceWe have also established a re-payment plan with the consumer on the account in question and will leave that arrangement in place unless we hear otherwise from Ms [redacted] Please have the consumer contact Atlantic Credit & Finance at [redacted] Thank you

Thank you for bringing the consumer’s concerns to our attention on 11/17/We regret the consumer was unable to reach us on 11/17/due to our office being closedAfter reviewing our records, we were able to communicate with the consumer on 11/21/in which a mutual agreement to settle the account was reachedThe account in question has been closed as settled in full with this office, and the consumer has no further obligation to this accountPlease have the consumer contact Atlantic at [redacted] with any additional questions or concernsThank you