Jimmy's Roofing, Siding, & Tree Service

Thank you for bringing the consumer’s concerns to our attention on 12/14/2017. A review of our records indicates that Atlantic responded to consumer’s complaint with the Revdex.com on 7/13/2017. 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 inadvertently. Additionally, it was explained to [redacted] on 7/13/2017 that the error occurred and it was agreed that Atlantic would continue with the payment proposal previously agreed upon. We 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 11/16/17 in which a payment of $25.96 was received. We were finally able to reach [redacted] on 12/12/2017 in which we informed them, again, that we would accept the proposed payment plan. We 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 consumer. Atlantic will accept the proposal that [redacted] has sent us previously and will gladly accept any payment received on the account in question. Please 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 bringing the consumer’s concerns to our attention on 11/17/2017. We regret the consumer was unable to reach us on 11/17/2017 due to our office being closed. After reviewing our records, we were able to communicate with the consumer on 11/21/2017 in which a mutual agreement to settle...

the account was reached. The account in question has been closed as settled in full with this office, and the consumer has no further obligation to this account. Please have the consumer contact Atlantic at [redacted] with any additional questions or concerns. Thank you

Thank you for making us aware of the consumer’s complaint received on 8/24/2016. 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 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] can be contacted at [redacted]

Thank you for making us aware of the consumer’s complaint received by Atlantic Credit & Finance on 11/2/2016. 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 a copy of the consumer's complaint.  Upon receipt of the complaint, we changed the status of the account at issue in our system to Cease & Desist to comply with the consumer's request for no further calls from Atlantic.  Our records reflect that our...

first notice was mailed to the consumer in early February at the address listed on the complaint which contained information as to the account.  We have no indication of return mail to date.   The account will be closed and returned by Atlantic to the current creditor, [redacted], along with a copy of the consumer's complaint for their records.  Also, we regret that the consumer felt harassed as we do require our representatives to abide by all state and federal laws that apply to our business.We appreciate the opportunity to respond to the Revdex.com.

Thank you for making us aware of the consumer’s complaint received on 8/31/2016. Per the consumer’s request all communication to the consumer’s place of employment has been ceased. Please 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 providing us with a copy of the consumer’s
complaint.  Our records reflect that our
first notice was mailed to the consumer on or about July 2nd to the
same address as provided in the complaint. 
To date we have no indication of return mail.  Further, upon receipt of...

the complaint we
placed the account in a Cease & Desist status to comply with the consumer’s
request for no telephone contact by Atlantic. 
The account at issue will be closed and returned to [redacted], current
creditor, along with a copy of the consumer’s complaint for their review.  We appreciate the opportunity to respond to
the Revdex.com and please feel free to contact us should you have questions.

Thank you for the correspondence sent to Atlantic Credit & Finance regarding the consumer’s complaint on 10/31/2016. After receipt of this complaint we did receive a call from the consumer on 10/31/2016 requesting that we contact [redacted] regarding this account on her behalf. Per the...

consumer’s request we have ceased all calls on the account in question and will communicate with Freedom Debt Relief directly. Please have consumer contact us at [redacted] ext. [redacted] with any additional questions or concerns.

Thank you for bringing the concerns of the consumer to our attention on 9/27/2017. A review of our records indicates that the account in question was never called upon or worked by Atlantic Credit & Finance. The account was closed in our system and returned to the current creditor on 6/16/2017....

We will be forwarding a copy of the consumer’s correspondence to the current creditor [redacted]. Please have the consumer contact [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.
Regards,
[redacted]

Thank you for making us aware of the consumer’s complaint on 9/23/2016. As per the consumer’s request, 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, [redacted]...

can be contacted at [redacted] We appreciate your assistance.

Thank you for notifying Atlantic Credit & Finance of the consumer’s complaint on 2/13/17. A review of our records shows that we came to a mutual payment agreement with the consumer on her [redacted], [redacted] on 11/1/16. The consumer has been paying as agreed and we have not spoken to...

the consumer since 11/1/16. It appears that these allegations may be unrelated to this account, however per the consumer’s request we will refund her in the amount of $407.25 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] Please note that the account in question is a [redacted], [redacted] and not a Pay Pal account as the consumer’s references in her complaint. Thank you

Upon receipt of the consumer’s complaint the account at issue was placed in a Cease & Desist status so that no further communication would be initiated by Atlantic as requested by the consumer. In addition, no further payments were processed by Atlantic and the account is being closed and...

returned to the current creditor, [redacted]).  We appreciate the consumer making us of aware of their consumers and ask that they direct any further questions as to the account to the [redacted] at [redacted]. Thank you for your assistance.

Thank you for bringing the consumers concerns to our attention on 12/27/2016. A review of the consumers account indicates that the consumer settled the account in question with Atlantic Credit & Finance on 3/8/2016. Atlantic has deleted the information that was previously provided to [redacted]...

regarding this account and is not reporting information to any of the three credit bureaus. 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 entity. Please have the consumer contact Atlantic at [redacted] with any additional questions or concerns.Thank you

Thank you for bringing the consumer’s concerns to our attention on 10/27/16. A review of our records indicates we received an email from the consumer on 10/27/16 in addition to this complaint. After speaking with the consumer the previous day she informed us that she had never received a bill and...

was unaware of an outstanding account. Upon 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, [redacted] to handle accordingly. [redacted] can be contacted at [redacted]

Thank you for providing us with the consumer's complaint.  Our records reflect that on 1/12/16 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.

I would like to know which entity I need to contact to resolve this issue.
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 giving us the opportunity to respond to the consumer’s concerns and we regret the initial response was not satisfactory to the consumer. As stated in its initial response, Atlantic Credit & Finance does not have any authority to delete or change information that is being reported to the credit reporting agencies by another entity. The consumer would need to inquire with the entity that is reporting information to the credit reporting agencies. Please have the consumer contact Atlantic at [redacted] with any additional questions or concerns. Thank you

Thank you for bringing the concerns of the consumer to our attention on 8/16/2017. 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 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

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. Atlantic credit and finance has absolutely no customer service otherwise they would know that I am the wife of [redacted], we live at the same address,  share the bank account they use to be authorized to take monthly payments from, even share and email address. I think that this is ridiculous that I am having  to communicate  about the account in question through the B.B.B.!!So now that we know what account we are talking about,  today I received a call from the B.B.B to bring my attention to this obserd response that should have been conducted over the phone between Atlantic  and myself/husband.  The very nice lady was giving a number to pass on to me .. and it is indeed the very same number that has no secretary or employees  to speak with. Once again I am I. The very same situation that lead me to open a complaint with the B.B.B . I. The first place 
Regards,
[redacted]