I reviewed the response made by the business in reference to complaint ID 1108[redacted], and find the resolution of a settlement of $1000 is satisfactory to me. This will be absolutely dependent on a check being delivered to my home in less than 2 weeks. However, please note that I do not agree with some of the premises that the company has provided. If the company does not provide a check in the next two weeks, I will pursue further recourse.
Tell us why here...
National
Administrative Solutions has not sold vehicle service contracts for many years,
and certainly has not sold any in this decade.
An
affiliated company, National Administrative Service Co., LLC, (“NASCLLC”) received
your letter and will respond. Note,...
that
at this point there is no clear evidence that NASCLLC has any relationship to
his complaint.
There
are clearly insufficient facts to determine what has occurred in this
situation. However, we can ascertain a
fairly good understanding of this situation.
Dr.
[redacted]’s complaint states that he received a call from a call center selling
vehicle service contracts. He admits
that he provided the caller with his credit card details for the purpose of
being charged for the service contract.
Commencing in July of 2014, Dr. [redacted] claims that he allowed his credit
card to be charged on seventeen (17) separate occasions. Ultimately, this will be shown to be a
misrepresentation that will be addressed later in this letter. According to his complaint, he allowed
charges of $2,972.36 to be billed to his credit card. Ultimately, this will be a misrepresentation
that will be addressed later in this letter.
It appears that he did not raise this complaint until sometime in
December of 2015 or January of 2016. Please
note that this complaint was not initiated until at least seventeen (17) months
after he provided the caller with his credit card information in July of
2014. Ultimately, Dr. [redacted] will need
to produce his credit card statements from July of 2014 through February of
2016. As well, it will be necessary for
him to produce any and all correspondence whether by mail or electronically
from his credit card.
We
attach to the email accompanying this letter a copy of the [redacted] account
summary as of February 2016, as well as the [redacted] spreadsheet which provides
the detail of each account activity between [redacted] and Dr. [redacted] which was
provided to us by [redacted], the entity that was posting the credit card charges
on Dr. [redacted]’s credit card. You will
note that Dr. [redacted]’s credit card charges for the 4th and 5th
payments were declined by his credit card company. The forth attempted charge occurred on
November 24, 2014. The charge was
reversed on that day as well. This
payment return occurred four months after Dr. [redacted] spoke with the
representative at the call center in July of 2014. This occurred thirteen months before he made
his complaint.
It
has been our experience that when a charge is reversed on a credit card, the
credit card company reaches out to the cardholder to advise them about the card
activity and returned payment. This can
be sent by email or letter, dependent upon what type of communication the
credit card company and the card holder agreed to have notices sent to the
cardholder. The fifth attempted charge
occurred on December 22, 2014. The
charge was reversed on that day as well. The fourth attempted charge occurred
on November 24, 2014. The charge was
reversed on that day as well. This
payment return occurred four months after Dr. [redacted] spoke with the representative
at the call center. A third charge was
returned on December 29, 2014. This
payment return occurred five months after he spoke with the call center, and a
week after the fourth payment was declined.
Therefore from the second half of 2014, through December 29, 2014, three
credit card charges had been made, three credit card payments have been
returned, and two credit card charges have been declined only after Dr. [redacted]
spoke with the representative at the call center in July 2014. At the time that this activity occurred on
December 29, 2014, it would appear that Dr. [redacted] was out-of-pocket
$474.40. If you take the [redacted]
spreadsheet and take the total payments, and subtract them from the total
payments at the bottom of the page, then you will learn that by subtracting the
payments in black and add the payment refunds in red, then you will find that
(ignoring the assessments in red) the total will be the payment total at the
bottom of the page, $2,278.44. It is
interesting to note he allowed his credit card to be charged $174.88 from January
22, 2015 to August 24, 2015. There is one payment on December 30, 2014, where
Dr. [redacted] paid the $5 assessment.
NASCLLC
submits that based on the activity in November and December of 2014, Dr. [redacted]
had to know that his credit card was charged which totaled $1,399.04.
However,
contrary to his representation to the Attorney General of the State of Ohio, he has not paid
$2,972.36 for this service contract. As
well, he has not made 17 payments on this service contract. Those statements are false.
You
will note that when Dr. [redacted] purchased his service contract he was living in
the Baltimore, Maryland area. He maintained this residence for the first
year that he held this contract. In the
summer of 2015, Dr. [redacted] completed his medical residency at the University of Maryland in the field of otolaryngology,
commonly referred to as an Ear, Nose and Throat specialist. He moved to the Dallas, Texas
area in the summer of 2015 to obtain a post-residency fellowship in
otolaryngology. He filed his complaint
using the Texas
address. The point of this discussion is
that he held the same address when all of the charges came through on his
credit card. Yet, he did nothing about
them prior to his move to Texas. Factual support is contained on his LinkedIn
page.
It
must be understood that Dr. [redacted] is a very intelligent man. Our research has determined that Dr. [redacted]
graduated from [redacted]’s Medical College
in [redacted], India. Following his graduation from medical school,
he received a coveted Rhodes Scholarship to study at [redacted] in England. At [redacted]
he received a Doctor of Philosophy degree in Physiology. I attach a link to his LinkedIn page. Some noteworthy Rhodes Scholars include
President Bill Clinton, George Stephanopoulos (ABC Good Morning America
Anchor), Ashton Carter (current U.S. Secretary of Defense), Sylvia Burwell
(current U.S. Secretary of Health and Human Services), among others. A list is at this link: https://en.wikipedia.org/wiki/List_of_Rhodes_Scholars.
With
all of these considerations in mind, it is the position of NASCLLC that Dr.
[redacted] should receive a prorated refund based upon the amount of money that he
had paid in by December 29, 2014.
Therefore to resolve this matter NASCLLC will settle this matter for
$1000 with a full and complete release.
If he does not accept this offer then we would ask that you require Dr.
[redacted] to produce his credit card statements and correspondence for the period
from July 1, 2014 to February 29, 2016.
Thank
you for your attention to this matter.
Respectfully
submitted,
National
Administrative Service Co, LLC
I reviewed the response made by the business in reference to complaint ID 1108[redacted], and find the resolution of a settlement of $1000 is satisfactory to me. This will be absolutely dependent on a check being delivered to my home in less than 2 weeks. However, please note that I do not agree with some of the premises that the company has provided. If the company does not provide a check in the next two weeks, I will pursue further recourse.
Tell us why here...
National
Administrative Solutions has not sold vehicle service contracts for many years,
and certainly has not sold any in this decade.
An
affiliated company, National Administrative Service Co., LLC, (“NASCLLC”) received
your letter and will respond. Note,...
that
at this point there is no clear evidence that NASCLLC has any relationship to
his complaint.
There
are clearly insufficient facts to determine what has occurred in this
situation. However, we can ascertain a
fairly good understanding of this situation.
Dr.
[redacted]’s complaint states that he received a call from a call center selling
vehicle service contracts. He admits
that he provided the caller with his credit card details for the purpose of
being charged for the service contract.
Commencing in July of 2014, Dr. [redacted] claims that he allowed his credit
card to be charged on seventeen (17) separate occasions. Ultimately, this will be shown to be a
misrepresentation that will be addressed later in this letter. According to his complaint, he allowed
charges of $2,972.36 to be billed to his credit card. Ultimately, this will be a misrepresentation
that will be addressed later in this letter.
It appears that he did not raise this complaint until sometime in
December of 2015 or January of 2016. Please
note that this complaint was not initiated until at least seventeen (17) months
after he provided the caller with his credit card information in July of
2014. Ultimately, Dr. [redacted] will need
to produce his credit card statements from July of 2014 through February of
2016. As well, it will be necessary for
him to produce any and all correspondence whether by mail or electronically
from his credit card.
We
attach to the email accompanying this letter a copy of the [redacted] account
summary as of February 2016, as well as the [redacted] spreadsheet which provides
the detail of each account activity between [redacted] and Dr. [redacted] which was
provided to us by [redacted], the entity that was posting the credit card charges
on Dr. [redacted]’s credit card. You will
note that Dr. [redacted]’s credit card charges for the 4th and 5th
payments were declined by his credit card company. The forth attempted charge occurred on
November 24, 2014. The charge was
reversed on that day as well. This
payment return occurred four months after Dr. [redacted] spoke with the
representative at the call center in July of 2014. This occurred thirteen months before he made
his complaint.
It
has been our experience that when a charge is reversed on a credit card, the
credit card company reaches out to the cardholder to advise them about the card
activity and returned payment. This can
be sent by email or letter, dependent upon what type of communication the
credit card company and the card holder agreed to have notices sent to the
cardholder. The fifth attempted charge
occurred on December 22, 2014. The
charge was reversed on that day as well. The fourth attempted charge occurred
on November 24, 2014. The charge was
reversed on that day as well. This
payment return occurred four months after Dr. [redacted] spoke with the representative
at the call center. A third charge was
returned on December 29, 2014. This
payment return occurred five months after he spoke with the call center, and a
week after the fourth payment was declined.
Therefore from the second half of 2014, through December 29, 2014, three
credit card charges had been made, three credit card payments have been
returned, and two credit card charges have been declined only after Dr. [redacted]
spoke with the representative at the call center in July 2014. At the time that this activity occurred on
December 29, 2014, it would appear that Dr. [redacted] was out-of-pocket
$474.40. If you take the [redacted]
spreadsheet and take the total payments, and subtract them from the total
payments at the bottom of the page, then you will learn that by subtracting the
payments in black and add the payment refunds in red, then you will find that
(ignoring the assessments in red) the total will be the payment total at the
bottom of the page, $2,278.44. It is
interesting to note he allowed his credit card to be charged $174.88 from January
22, 2015 to August 24, 2015. There is one payment on December 30, 2014, where
Dr. [redacted] paid the $5 assessment.
NASCLLC
submits that based on the activity in November and December of 2014, Dr. [redacted]
had to know that his credit card was charged which totaled $1,399.04.
However,
contrary to his representation to the Attorney General of the State of Ohio, he has not paid
$2,972.36 for this service contract. As
well, he has not made 17 payments on this service contract. Those statements are false.
You
will note that when Dr. [redacted] purchased his service contract he was living in
the Baltimore, Maryland area. He maintained this residence for the first
year that he held this contract. In the
summer of 2015, Dr. [redacted] completed his medical residency at the University of Maryland in the field of otolaryngology,
commonly referred to as an Ear, Nose and Throat specialist. He moved to the Dallas, Texas
area in the summer of 2015 to obtain a post-residency fellowship in
otolaryngology. He filed his complaint
using the Texas
address. The point of this discussion is
that he held the same address when all of the charges came through on his
credit card. Yet, he did nothing about
them prior to his move to Texas. Factual support is contained on his LinkedIn
page.
It
must be understood that Dr. [redacted] is a very intelligent man. Our research has determined that Dr. [redacted]
graduated from [redacted]’s Medical College
in [redacted], India. Following his graduation from medical school,
he received a coveted Rhodes Scholarship to study at [redacted] in England. At [redacted]
he received a Doctor of Philosophy degree in Physiology. I attach a link to his LinkedIn page. Some noteworthy Rhodes Scholars include
President Bill Clinton, George Stephanopoulos (ABC Good Morning America
Anchor), Ashton Carter (current U.S. Secretary of Defense), Sylvia Burwell
(current U.S. Secretary of Health and Human Services), among others. A list is at this link: https://en.wikipedia.org/wiki/List_of_Rhodes_Scholars.
With
all of these considerations in mind, it is the position of NASCLLC that Dr.
[redacted] should receive a prorated refund based upon the amount of money that he
had paid in by December 29, 2014.
Therefore to resolve this matter NASCLLC will settle this matter for
$1000 with a full and complete release.
If he does not accept this offer then we would ask that you require Dr.
[redacted] to produce his credit card statements and correspondence for the period
from July 1, 2014 to February 29, 2016.
Thank
you for your attention to this matter.
Respectfully
submitted,
National
Administrative Service Co, LLC