Moulton Law Office

Complaint: [redacted] I am rejecting this response because:When I called [redacted] Sunday to ask about the day late they confirmed it and said to call Family Credit Furious, I called Family credit and stated what [redacted] said Today I got a email stating that she would that I was in violation with the company for opening other credit cards while in the program NO one EVER told me this when signing up I appreciate their help but I have had some bumps in the road along the way The lady dropped us from the program today stating we were in violation She stated they paid [redacted] but [redacted] said they had a day to me on Sunday I put my credit sesame ding as an attachment on file We are fully responsible for what we do to our own credit, but I feel like I am lost in this process with what happened here The response back from the company after many years was very rude I am very disappointed in how all of this is being handled I just wanted an answer about the [redacted] Sincerely, [redacted]

January 26, Revdex.com of Chicago & Northern Illinois, IncNWabash Avenue, Suite Chicago, IL 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] Monday through Friday 8:AM to 5:PM CST or by email at Kim[redacted] @familycredit.org Sincerely, Kim [redacted] Client Services Department Manager

We have thoroughly reviewed your account and see that we have heard back from all but one of your eight creditorsWe initially had an issue with this final creditor as they require all of the accounts with their company to be listed on the plan. That has been resolved and we are now waiting
for final approval on both of those accounts. This is a creditor that requires us to contact them for negotiations by fax and, unfortunately, we have found that we have to send multiple requests for approval to this type of creditor. We tell all of our clients while some creditors respond to us quickly (usually major banks), others may take several weeks to respondYou also stated our monthly statements and your creditors records did not reconcileWe have reached out to each of your creditors and all payments are showing posted. This is most likely a case of statement cycle dates and would have been easily resolved. This is the first time we were made aware of any issue with payments posting; if you would have called our office with this concern, any of our representatives could have called each creditor with you on the line to verify the payments posted, the date in which they posted and we could have requested to have any late fees waived, if applicable. The first few months can require conversations with us and at times even conference calls with us and the creditors. This is especially true when we are dealing with smaller finance companies and creditors that specialize in subprime debt as they require more work to get the account set upWe always encourage our clients anytime they are unhappy with any aspect of their service, to ask to speak with a supervisor or manager, which regrettably did not happen in this situation. We have reached out to you directly with no response. Since you are unhappy with our services, we have stopped your automatic payments to our agency and have processed a refund of all fees you have paid usYou should see this post to your bank account by the end of this week. We understand and share your frustrations as we wish we could get all creditors to work with us as quickly as the larger ones usually do, but that is simply out of our control. We wish you the best of luck as you continue your journey to become debt free

Dear Mr***: Since you did not go through the enrollment process and sign our agreement, we believe there was a misunderstanding between you and your daughter about the services Family Credit Management (FCM) provides. You requested a copy of the truth in lending disclosure but we
do not have one since we did not provide a loan FCM does not provide loans, we consolidate accounts into a plan with one monthly payment to us, which is then disbursed to each creditor. FCM negotiates with each creditor in an attempt to reduce the payment and interest rate, as well as stop late/over limit fees. Through the counseling and enrollment process, your daughter would have received these details and signed our paperwork to agree to these terms. The balances on each account did reduce significantly from the time your daughter joined our plan and she was on track to complete the plan successfully. As far as your frustration with our being unable to provide an immediate payoff amount, since we did not provide a loan, the payoffs had to be obtained by contacting each individual creditor. While we hope to receive the figures immediately, some require detailed protocols, which can take up to two days. In this case, the payoffs were obtained and emailed in about a day and a half, prior to this review being submitted against us. As far as interest and fees being charged, we do not charge any interest through the plan, your daughter paid us a monthly fee of $per month which was disclosed on the agreement she signed, her online FCM account and our monthly statement.I understand you spoke with us and I believe the situation has been resolved and you better understand the program. We wish you and your daughter the best of luck in the future

Complaint: [redacted]
I am rejecting this response because:When I called [redacted] Sunday to ask about the 30 day late they confirmed it and said to call Family Credit.  Furious, I called Family credit and stated what [redacted] said.  Today I got a email stating that she would that I was in violation with the company for opening other credit cards while in the program.  NO one EVER told me this when signing up.  I appreciate their help but I have had some bumps in the road along the way.  The lady dropped us from the program today stating we were in violation.  She stated they paid [redacted] but [redacted] said they had a 30 day to me on Sunday.  I put my credit sesame ding as an attachment on file.  We are fully responsible for what we do to our own credit, but I feel like I am lost in this process with what happened here.  The response back from the company after many years was very rude.  I am very disappointed in how all of this is being handled.  I just wanted an answer about the [redacted].
Sincerely,
[redacted]

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

Complaint: [redacted]
I am rejecting this response because: I set up automatic payments, you did not write the proper email back in return. You are at fault for not with drawing my payment, emailing my info to another person, and ruining my credit. I want all my money back I sent you for any type of payment. Your company did nothing but ruin my credit. I want all of the money I sent to you for payments back.
Sincerely,
Mia [redacted]

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