Jimmy's Roofing, Siding, & Tree Service

I have reviewed the response made by the business in reference to complaint ID ***, 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
Regards,
*** ***

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 *** and they accepted it And have been receiving payments ON TIME til we moved here to ***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 approval. They 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 ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***

I have reviewed the response made by the business in reference to complaint ID ***, 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 resolvedEven though the business is refusing to provide proof of this debtAlso, they are returning the debt to a parent company so I don't see that portion as resolved.
Regards,
*** ***

Thank you for making us aware of the consumer’s complaint on 9/14/After review of our records, Atlantic had no indication prior to receiving this complaint that the consumer did not want to receive calls at their place of employmentAt 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, *** *** *** can be contacted at *** *** *** *** *** *** *** ** ***We appreciate your assistance

I have reviewed the response offer made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Per my credit monitoring Atlantic is the company reporting this charge off not the original debtor
Regards,
*** ***

Thank you for giving us the opportunity to respond to the consumer’s concerns received through your office on 3/10/We regret that the consumer has expressed dissatisfaction with our officeWe require all of our employees to adhere to all applicable state and federal laws in the communication
with a consumer’s spouseThe account in question has been settled and marked as such in our systemWe will be returning the consumer’s account, along with a copy of this complaint, to the current creditor, *** *** ***We again regret the consumer was dissatisfied and please have her contact our office directly at *** *** *** ** *** ** *** ** *** with any additional concerns.Thank you

Thank you for your letter dated January 23, bringing the concerns of the above consumer to our attention. A review of our records indicates we have received several communications from Mr*** requesting verification of the account in question. Atlantic has responded by sending the
consumer the required verifiable account documentation in each instance with no indication of returned mail. We did reach out to Mr*** upon receipt of his complaint, and he has agreed to a re-payment plan on the account in question. We hope this answers the consumer's concerns and please have Mr*** reach out directly to his representative at *** *** *** with any additional questions or concerns.Thank you for your assistance and please feel free to contact us should more information be required.Sincerely,*** ***Quality Assurance Manager

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

I have reviewed the response made by the business in reference to complaint ID ***, 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
Regards,
*** ***

Thank you for making us aware of the consumer’s complaint on 10/22/Per the request of the consumer, Atlantic has ceased all calls as to the account at issue and will be returning the account, along with a copy of the consumer’s complaint to the current creditor, *** *** *** ***
can be contacted at *** *** *** *** *** *** *** ** *** Thank you

I have reviewed the response made by the business in reference to complaint ID ***, 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
Regards,
*** ***

Thank you for bringing the consumer’s concerns to our attention on 12/26/A review of our records indicates that the account at question was placed with *** * *** *** on 10/10/to handle on our behalfAtlantic has sent a copy of the consumer’s complaint to the firmPlease have the
consumer contact *** * *** *** ** *** *** ** *** ** *** ** *** with any additional questions or concernsThank you

I have reviewed the response offer made by the business in reference to complaint ID ***, 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 debt. Atlantic 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,
*** ***

I have reviewed the response offer made by the business in reference to complaint ID ***, 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 made by the business in reference to complaint ID ***, 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
Regards,
*** ***

Thank you for providing us with the consumer’s complaint. Our records reflect that we received correspondence from the consumer directly on 1/7/alleging identity theft at which time the account was placed in a Fraud status in our system. On 1/14/we mailed the consumer a letter
along with a Fraud Affidavit to complete and return to us so that we could investigate further. We have no record of receiving the completed fraud affidavit. On 1/26/we received correspondence from the consumer requesting the application and documentation to provide to police. Accordingly, we requested documentation from the original creditor and such was mailed to the consumer on 6/9/16. The account at issue remains closed in our system in a Fraud status and we will be glad to investigate further if the consumer would like to provide us with the completed Fraud Affidavit or a police reportWe appreciate your assistance and the consumer is welcome to contact us directly at *** *** with any further questions

Thank you for bringing the consumer’s concerns to our attention on 10/27/A review of our records indicates we received an email from the consumer on 10/27/in addition to this complaintAfter speaking with the consumer the previous day she informed us that she had never received a bill and
was unaware of an outstanding accountUpon receipt of this correspondence and per the consumer’s request, Atlantic has ceased all contact with the consumer on the account at issue and we will be returning the account, along with a copy of the consumer’s complaint to the current creditor, *** *** *** to handle accordingly*** can be contacted at *** *** *** *** *** *** *** ** ***

Thank you for bringing the consumers concerns to our attention on 2/14/A review of the consumers account indicates that the consumer settled the account in question with the Law Firm of *** * *** on behalf of Atlantic Credit & Finance in March Atlantic has deleted the
information that was previously provided to *** *** regarding this account and is not reporting information to any of the three credit bureausAtlantic will send an additional copy of both an account release letter and the satisfaction of judgment for the account in question to the address the consumer provided in his complaint.Please note that Atlantic does not have any authority to delete or change information that is being reported to the credit reporting agencies by another entityPlease have the consumer contact Atlantic at *** *** *** ** *** ** *** with any additional questions or concerns.Thank you

Thank you for making us aware of the consumer’s complaint received on 6/27/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 calls on the account in question and will be returning the account, along with a copy of the consumer’s complaint to the current creditor *** *** *** to handle accordinglyPlease have the consumer contact *** Credit’s Consumer Support Services team at *** *** *** *** or at *** *** *** *** *** *** *** ** *** with any additional questions or concernsThank you

Thank you for providing us with Ms***’s response and we regret that our original response was not satisfactoryAs stated in our previous response we are required by federal law to obtain proper authorization before discussing a consumer’s account with a third partyWe apologize for any inconvenience this has caused Ms***Since Ms*** included her Power of Attorney documents for the cosnumer in her rebuttal response, we will be more than happy to discuss the account in question with her nowPlease have Ms*** contact Atlantic Credit & Finance at *** *** *** with any additional questions or concerns.Thank You