Jimmy's Roofing, Siding, & Tree Service

We would like for someone to tell us that they are sorry for threating and for demanding something be done before my wife got home from work.  I could not make them understand that I was sick and am not working waiting on my disability.  I am taking several medicines and was very upset...

when I got off the phone with them.

Thank you for making us aware of the consumer’s complaint received on10/14/2016. After a review of the complaint, Atlantic had no indication prior to receiving this complaint that the consumer did not want to receive calls to her place of employment. At this time, Atlantic has ceased all...

communication with the consumer and will be returning the account along with a copy of the consumer’s compliant to the current creditor, [redacted] can be contacted at [redacted]

Thank you for giving us the opportunity to respond to the consumer’s concerns and we regret the initial response was not satisfactory to the consumer. We have confirmed with [redacted] from our previous inquiry that all information submitted to them by Atlantic has been deleted from the consumer’s credit file. If the consumer should have any additional questions or concerns please have them contact Atlantic at [redacted].Thank you

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.
Hello,Over the summer, I submitted complaint #[redacted] for the company Atlantic Credit and Financing. Per the Roanoke Revdex.com's message from the business, the issue of the creditor accepting payment from my debt management program had been resolved. However, today, in December, they are still refusing to work with our agreed upon payment schedule. Even though they agreed twice in writing - which is even public on the Revdex.com website.I cannot get anyone at the business to respond to me directly, my debt management program has been trying since October.Can I re-open this complaint to get some assistance? Or do I need to make a new one, please advise. I just need this process over with finally.Thank you so much for the help, it is greatly appreciated![redacted]

Thank you for providing us with Ms. [redacted]’s response and we regret that our original response was not satisfactory. As stated in our previous response we are required by federal law to obtain proper authorization before discussing a consumer’s account with a third party. We apologize for any inconvenience this has caused Ms. [redacted]. Since Ms. [redacted] 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 now. Please have Ms. [redacted] contact Atlantic Credit & Finance at [redacted] with any additional questions or concerns.Thank You

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.
[redacted] is still showing a debt of $1294.00 from Atlantic Credit & Finance.
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 3 major bureaus. According 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 complaint. It's the page from my credit report where Atlantic Credit & Finance was listed as a Factoring Company.
Regards,
[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 consumer. Atlantic 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 provided. As stated before, Atlantic has confirmed with [redacted] that any information that was provided to them by Atlantic on the account in question has been deleted. If the consumer should have any additional questions or concerns please have them contact Atlantic at [redacted]. Thank you

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, pending nothing happens to reject the payment again. I appreciate the rep's explanation, it is different from what I was told, but as long as action occurs, I do not mind.   I will wait for the business to perform this action and, if it does, will consider this complaint resolved. I also now have someone's direct contact number finally and will call him directly if my payment is again returned. Regards, [redacted]

Upon receipt of the complaint the numbers for the consumer
were restricted in our system.Thank you for your assistance and we appreciate the opportunity to respond to the Revdex.com.

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 solved. Atlantic Credit contacted me regarding a debt owed. Even though I had added the company to my existing debt management program AND they accepted payments, they continued to call me multiple times a day. Through the Revdex.com Western Virginia, I received an email from Atlantic Credit on June 1 stating they will work with my existing debt management program and stop harassing me multiple times a day. At that time, I closed the complaint. However 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 to. I 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 forward. I have attempted today to call customer service and email them as well. I 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 program. I have informed the business already that I cannot enter into any other debt programs/pay off plans outside of my existing DMP. Atlantic Credit agreed on June 1 to work with my DMP, even on the Revdex.com site via response. They have also accepted payment from my DMP. Please go back to what we agreed and accept my payments so I can get this done and taken care of.

Thank you for your correspondence received on 2/12/18 bringing the concerns of the consumer to our attention and giving us an opportunity to respond. 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. We take such...

allegations very seriously and appreciate that these concerns have been brought to our attention. Per the consumer’s request, Atlantic has ceased all calls to the consumer on the account in question. We will be returning the account along with a copy of the consumer’s compliant to the current creditor, [redacted]. Please contact [redacted] Consumer Support team at [redacted] with any additional questions or concerns. Thank you

Thank you for making us aware of the consumer’s complaint on 11/17/2016. After a review of our records, Atlantic ceased all calls to the consumer’s place of employment on 11/16/2016 and marked the number as do not call in our system. Per the consumer’s request, Atlantic will accept the consumer’s...

offer of repayment for $50 per month to be received by money order as well as provide a letter to the consumer to the address provided in this complaint. Please have the consumer contact [redacted] at [redacted] ext. [redacted] with any additional questions or concerns.Thank you

Thank you for providing us with the consumer’s follow up to our response. As we previously responded, the law firm of [redacted] is representing Atlantic Credit & Finance on the consumer’s account that’s in question. Accordingly, 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 making us aware of the consumer’s complaint on 2/14/17. A review of our records indicates that we sent the consumer an initial notice and introduction to Atlantic Credit & Finance on 1/30/17, with no indication of returned mail. We also spoke to the consumer on 2/14/17 and she...

informed us that she could not accept calls at her place of employment. That number was immediately marked as Do Not Call in our system and has not been called since. Additionally, the consumer called us on 2/15/17 and set up a repayment plan on the account in question. Please have the consumer contact Atlantic Credit & Finance at [redacted] with any additional questions or concerns. Thank you

Thank you for bringing the consumer’s concerns to our attention on 10/4/2016. A review of our records shows that the consumer made payment arrangements with us on 5/26/2015. We did receive a request from the consumer on 9/30/2016 requesting information on what debt he was paying. We made several...

attempts to contact the consumer on the number he provided, but were unsuccessful. Atlantic Credit & Finance is not reporting this account to any of the credit bureaus. We will be returning the account along with a copy of this complaint to the current creditor, [redacted] can be contacted at [redacted]Thank you for your assistance.

Thank you for making us aware of the consumer’s complaint on 9/16/2016. Upon receipt of the complaint, Atlantic ceased all calls as to the account at issue as requested by the consumer.  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] Your assistance is greatly appreciated.

Thank you for providing us with the consumer's complaint.  Our records reflect that the account at issue was placed in a Cease & Desist status upon receipt of the complaint to comply with the consumer's request for no further communication as to the account.  The account will be closed...

& returned by Atlantic to the current creditor, [redacted], LLC and we kindly ask that the consumer contact their office directly with any additional inquiries at the following address:  [redacted], LLC, [redacted]We appreciate your assistance.

Thank you for bringing the concerns of the consumer to our attention and giving us the opportunity to respond. After a review of our records, we did speak with Ms. [redacted] on two separate occasions about the account in question. We regret that these conversations were inconvenient to the consumer and...

will be more than willing to work with Ms. [redacted] on a reasonable repayment plan. Please have the consumer contact Atlantic Credit & Finance at [redacted] to discuss payment options on the account in question. Thank You