National Credit Care

Initial Business Response /* (1000, 9, 2015/07/09) */
Our customer service manager reached out to the client to try and resolve her concernsThe call ended very unpleasantly with the client using profane languageHer focus changed from being upset about us not reaching out to her, to stating she
never signed the electronic agreement and that we scammed herShe claimed that she never signed or agreed to anything and that because she opened to view the agreement we fraudulently signed it for herWe tried to explain that we use a 3rd party, *** that sends our electronic agreementsWe let her know we couldn't sign the document even if we wanted to as it was linked to the email address she provided
She refused to discuss anything and stated she was going to let the Revdex.com and everyone else know what kind of company we wereAt the end of the call she demanded that we never contact her again and that she was recording the callHopefully the call was recorded as it will show we tried to resolve her concerns
The client's day program was finished on *** 14th She set up a payment plan to break up the cost of the program instead of paying the full balance on February 14thMs*** has not finished paying off the balance of the program but as a courtesy we waived the remaining balance due
Initial Consumer Rebuttal /* (3000, 12, 2015/07/21) */
Final Consumer Response /* (4200, 16, 2015/07/21) */
From: *** *** (mailto:***@gmail.com)
Sent: Thursday, July 09, XXXX X:XX AM
To: *** Lucero
Subject:
Good Morning,
My name is *** ***I Have complaint against National CreditI have tried to login and cannotAt any rate *** @National Credit called always during business hoursWhen I could finally return his call he was very cockyI was told this was months to help me correct my creditThen it turned to dayshe told I signed paperwork agreeing to thatI said I did not signHe said once you open the file we send and we get an open/read return that is confirmationI said you should explain that to your customersHe said I am telling you nowSo there is nothing you can doI got really mad and told him that was fraud he chuckled and saidIt s legalI am so unhappy with their business practicecI cant beleive how many customers they are fruadulent withI was so upset I hung up on him

Our customer service manager reached out to the client and resolved the issueThe clients' files are closed as they requested and as a courtesy we waived the late fees that were included on their invoice The clients' monthly payments were scheduled to draft out on the 10th of each month
Each payment covers the work we completed the month before as we bill in arrearsOn 8/10/their payments declined and we reached out regarding the paymentThe client mentioned at that time they wanted to cancel and would call back to make their final payment The client called in to our office on 8/19/and provided a new card to make their paymentsThe client told the representative NOT to close their files and that they wanted to continueThey discussed several times that their next payments would draft out on 9/10/and it was very clear that they were both continuing in the program The clients payments declined on 9/10/When we reached out to the client her story changed and she claimed that she canceled on her previous callBefore contacting the client regarding her complaint we listened to the entire recorded conversation from 8/19/There was no mistake that she requested to keep the their files open and instructed us to continue working on their behalf. When we spoke with the client regarding her complaint she said that she had changed her mind after she spoke with us on 8/19/We discussed that she had every right to change her mind but it would be helpful for her to let us know before filing a complaintWe closed their files as requested and as a courtesy we waived the late fees for their final payments that were past due

Our customer service manager reached out and resolved the issue When looking into the clients complaint our records do indicate we spoke with him on 4/7/and waived his and his wife’s monthly payment so they would be able to continue in the programWe explained to the client that we
continued working per his request and that is why he was still billedWe also reminded him that he emailed our office on 5/9/and asked “Please do not bill my account until May 28th for both *** and *** ***.” He said he must have sent that email as mistake and just asked that they be closed nowWe confirmed their files were closed and would have no further billing

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me
Sincerely,
*** ***

Our customer service manager has reached out to resolve the issue and has not heard back from the clientWe have closed the client's file as requested and left a few voicemails stating we would love to discuss his concerns

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

One of our customer service managers reached out to the client to resolve the issue and we have not heard back from himThe client's file is closed as he requested and we waived the balance due on his account

Initial Business Response /* (1000, 9, 2015/10/27) */
We reached out to the client after receiving his complaint to let him know we were willing to do whatever it took to resolve his issues but that the account had been closed as requested and no additional billing would occur other than the final
billing for the work previously doneOur calls after his cancellation request were not done to harass the client but rather to inform him that the payment didn't clear
Initial Consumer Rebuttal /* (3000, 11, 2015/10/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
What they "innocently" call "the work previously done" is work AFTER I told them to close the account and AFTER I told them what will be the final payment
The last representative I spoke to said, and these are her words, 'We are NOT closing the account until we get paid." Again, a payment incurred AFTER I told them to close the accountAnd let me be clear, I agreed to let them finish some business and take ONE more paymentSo they were PAID the MONTH AFTER I said to cancel and are now arguing about TWO months post cancellation
So they're response is a spinA lie!
They record the conversationsLet them play the recordings!
They need to close my account "PAID IN FULL" to settle this complaint
Here are two emails I have:
++++++++++++++++++++++
d ***
Jul at 10:PM
To
*** ***
I just recieved a couple notices
One from equifax which says citicards cbna was deleted and pinnacle wasn't
Another from transunion which says citicards cbna was deleted
GREAT work
You guys did a great job
PLEASE CANCEL!
I just lost my jobBuying a home is shot for nowNeed every penny I have
THANK YOU
PLEASE CANCEL
++++++++++++++++++++++++
That was followed by a phone call, which they recordedNear months later I received and sent theseIt is a back and forthYou have to go to the end to read it chronologically:
++++++++++++++++++++++++
d ***
Sep at 1:PM
To
*** ***
That's rightHe asked for one more month, which was paid some time in August
It's now September
You guys did a great job when you were needed
As I said 7/29, no longer needed
Those thieving bs at *** *** whom YOU sent me to stole 50$ from my bank account so if you think I owe you money, you can get it from them
Over and out
***
From: Dean Bahnson
To: "***@yahoo.com"
Sent: Friday, September 18, XXXX X:XX PM
Subject: RE: ncc
Thank you for your responseWe have continued to work on your file after your 7/conversation with your account manager
Thanks again,
*** ***
Accounting department
***
*** Fax
www.nationalcreditcare.com
Description: National Credit Care crop
Description: Description: Personalized Credit Care
From: d *** mailto:***@yahoo.com
Sent: Friday, September 18, XXXX XX:XX PM
To: *** ***
Subject: Re: ncc
I told them to end the service
It's ended
Sent from Yahoo Mail on Android
*** ***
Date:Fri, Sep 18, at 12:PM
Subject:ncc
We were just trying to get in touch with you regarding your monthly paymentOur accounting department notified us that your monthly payment did not clear our accounting systemWas there a better date or different payment method that worked better for you?
Thanks again,
*** ***
Accounting department
***
*** Fax
www.nationalcreditcare.com
Description: National Credit Care crop
Description: Description: Personalized Credit Care
+++++++++++++++++++++++++++
So, again, They need to close my account "PAID IN FULL" to settle this complaint
Thank you
Final Business Response /* (4000, 16, 2015/12/23) */
As a courtesy we have waived his past due balance and his file is closed in good standing
We spoke with the client on 7/29/as he states in his complaintIf *** *** would have canceled on this date he would have had one final payment on 8/16/as we bill in arrears*** *** signed an electronic agreement the day he enrolled on 12/16/that stated he understood the billing structureInstead of canceling on this date he agreed to have us work for one more month as he states in his complaintWe worked for one additional month and that is why he was billed on 9/16/
Our customer service manager left messages to try and satisfy the client's complaintThe last message left on 10/20/stated that even though a payment was due for the additional month he requested we perform, we were willing to waive the payment to make sure he was satisfied*** *** has made no attempts to contact us to allow us to make sure he is satisfied
Final Consumer Response /* (2000, 18, 2015/12/25) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Since they are finally stating my account is closed and I do not owe them than I will let it be over, regardless of their story

Initial Business Response /* (1000, 9, 2015/06/15) */
Our customer service manager (***) reached out to the client and resolved the issue
Initial Consumer Rebuttal /* (3000, 11, 2015/06/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The agent still gave
me the run around about why they couldn't resolve my complaintWhile agreeing to not charge me in the future, she still didn't acknowledge that her company did anything wrong or in a complicated mannerI was frustrated by the end of the call and just wanted to be done with them so I accepted that they would not charge me going forward and I hung up

The complaint was resolved immediately and a refund was issued promptly

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** I don't agree with the cancellation letter as this was never mentioned to me All I ever wanted was for my account to be cancelled and if this has indeed happened then I am satisfied Thank you
Sincerely,
*** ***

We spoke with the client client the afternoon of Friday October 14thThe mail had already been picked up for the day and his refund check was sent first thing on Monday October 17th We received confirmation from USPS that his check was delivered two days later on October 19th

The notice of cancellation was included in the contract that was signed 11/and is part of the FTC regulation for our industry The client received the contract electronically and the notice of cancellation can be found in duplicate on pages and Again this is not our policy but is from the FTC If we do not receive the signed notice of cancellation we attempt to make the process easier by verbally authenticating their security information over the phone In response to the claim we attempted to hard sell them into staying we acknowledge our policy is to make sure the client fully understands there is still work to be done and that the program is a process if they request to close the program prior to its completion This particular client did have several items that still needed work and we were only days into the program at the time they desired to close the account At this point in time we are not quite sure what we can do to satisfy the client Their billing was closed as requested and their file has been deactivated We did not overcharge them and they will continue getting results from the bureaus over the next 30-days We apologize this relationship ended the way it did but we are not able to change the FTC policy and we stand behind our policy to ensure a client is fully informed of the potential changes they are giving up by canceling early If there is anything we can do to satisfy this client moving forward we are open to suggestions

Revdex.com:
I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me
Please note that the Jeweler I consulted for repair of the Ring agreed with me that the stone was not properly placed in the prongs in the manner that the setting was designed forThis in proper placement caused the stone to shift not abuse of the ring. in addition I did not seek to upgrade the wedding band, but to Simply replace a flawed band with an unflawed onethe only item they had in stock similar to the flawed item they sold me, they claimed was worth more despite the fact that I had seven stones whereas the initial had 13.I appreciate their offer to make this right.Please let us know when we should pick up the refund.*** ***

Hi Revdex.com, [redacted] has been a good customer for a long time and we are sorry to see that she was not satisfied with the service that we were attempting to provide. With regards to the ring and band, when an item is sold, the customer inspects the item and agrees to the sales price which is based on...

the quality of the stones and/or other materials. [redacted] purchased the engagement ring and wedding band from us and we did agree that we would service the ring, with regards to regular wear and tear, and after inspection of the items, she was happy with the jewelry. When [redacted] came back to us, she wanted to change certain stones in the band to a different color and clarity than were originally sold, and this is considered an upgrade. Stones are priced based on color, cut, and clarity, and we sold the ring for a fair price based on what was originally in the ring. The upgrade that she was requesting was actually a $300 upgrade that we discounted to $100 because of how good of a customer [redacted] is to us. After the $100 upgrade, she inspected and was happy with the band.  Subsequently, the band was brought back to us with the main ring to be soldered together on August 12th. We performed the work and when it was ready, [redacted] inspected and was happy with the work at that time. [redacted] then came back on 10/30/17, which was 3 and ½ months later, with a complaint that her stone was not placed properly. The type of engagement ring that was purchased has a special type of prong setting; the head is built into the ring and they are very secure and are subject to only minor shifts in position over time. When we inspected her stone, it appeared that the main stone had sunk abnormally, which could only be due to physical force; there is no other way that this type of damage could have occurred on a setting of this type. In addition to this, it is the customer’s responsibility to bring us the ring for regular inspection and unfortunately, we did not receive any communication about any concerns about this ring for 3 and ½ months after it left our doors. Either of the points mentioned can be considered together or separately to absolve us from fault, however we really do want [redacted] to be happy and we are sorry we could not please her with our service. With the previous in mind, and with consideration that she has chosen a different retail store to take care of her items; in order to try to make [redacted] happy, we would like to offer her a refund of the $100 that she paid for the upgrade of the band. Best regards,[redacted]Manager, Abla Jewelers

Initial Business Response /* (1000, 6, 2015/08/27) */
This complaint was filed by a perspective client not an actual paying client. After our initial consultation and after reviewing our contracts they are not moving forward with the program and are not paying our service fees.
Initial Consumer...

Rebuttal /* (3000, 9, 2015/09/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I received a bill in the mail now from this company. When I spoke to them I specifically told them that I never signed any agreement to their services. That I only agreed to look into it and see what they have to offer. The lady on the phone stated it was a verbal agreement. I explained to her that I never made a verbal agreement because that is stupid. A person has to sign their agreement contract for it to be valid and they have sent me several emails requesting my signature. I never sent the signature and I never agreed to the services.
Also. The main reason I chose not to go with their services was because they td me I shod apply for a credit card through a certain company. I said well I dont plan on applying for any credit card. I did checkout the site they sent a link to, but they wanted cash to be wired to them. That was an instant red flag for me and I told the representative that I am not interested in the services because it seems like they are running a scam. Now I get a bill from them?
This is ridiculous.
Please investigate this company. They are a fraud. I have all the emails with them pushing for me to sign the contract, but I never did.
Final Business Response /* (4000, 16, 2015/09/21) */
This person was never enrolled into our program. We sent them an invoice to begin the process but they decided to pursue another avenue. The invoice they received should never have been sent and was removed from our system as soon as the mistake was discovered.

Revdex.com:
This letter is to inform you that Home Exterior Systems, LLC has carried out to my satisfaction the resolution it proposed for my complaint, filed on 9/10/2015 1:46:22 PM and assigned ID [redacted].From: Jay [redacted] [mailto:[redacted]]Sent: Monday, September 14, 2015 1:19...

PMTo: drteamSubject: Recent Complaint On September 10 I filed a complaint with the Revdex.com against Home Exterior Systems. Home Exterior Systems immediately contacted me in regard to the complaint and the situation has been rectified to all parties agreement. I have tried to go back on line with the Revdex.com in order to log in this information but am unable to follow up. Will you please make a note in this file regarding the new information. The email I received from your office does not list a complaint number or other identification for me to reference. Thank you Benny [redacted]

Initial Business Response /* (1000, 6, 2015/07/28) */
The issue was handled with the client on 7-27-2015 @ 9:41am before we received the client's complaint. Call log available if needed.

This complaint was satisfied before we received the Revdex.com notification.  There was an extra payment that drafted in error on her file but her husband never made his final payment. We waived his final and refunded her final payment as a courtesy since she had issues trying to close her file. Both...

files are closed and no payments are due at this time.

Complaint: [redacted]
I am rejecting this response because:  A representative called me from the company four different times. Each time I explained to him again that numerous promises were made to me to...

sign up for the service and none of the promises were kept. I even told him to go pull up the recorded conversation and listen to the phone call and he would see this I was misled into signing up for their service. He later told me  that the phone call had not been recorded. They have offered a partial refund on the $800. This obviously shows that they did not  deliver on their promises. I want to be fully refunded the $800 that we wasted,  not to mention all the time and effort that was wasted on my part. 
Sincerely,
[redacted]