To Whom It may concernPlease see the attached files as our response and documentation regarding this matterIf you have any further questions or concerns, please let us knowHope you are having a wonderful day [redacted] *** January 29, 2015Re: [redacted] CCC Client number #***, Revdex.com ID# [redacted] In reference to the above mentioned client, it is CCCs' opinion that the claims made by Ms[redacted] are not true or correct for the following reasons:Ms [redacted] claims that CCC did not make payment on the dates promisedIn order forCCC to keep this part of our agreement, we need Ms [redacted] to make her payments toCCC as promisedPlease note item on our "Debt Management Enrollment Agreement"with Ms [redacted] , where she agreed to make monthly payments on the 20th of each monthvia ACH transactionsOn 12/22/( 12/20/was not a banking business day) CCCattempted to withdrawal Mrs [redacted] 's monthly paymentPlease note "Bank of America,ACH services, Returned Item Report" dated 12/22/Ms [redacted] 's withdrawal wasreturned for Insufficient FundsIf this payment had been honored by Ms [redacted] 's bank,CCC would have disbursed these funds out to her creditors on 12/29/On 12/23/2014when CCC contacted Ms [redacted] to resolve this issue we were advised that she wouldn'thave available funds to cover this payment until 12/29/So, Ms [redacted] 's delay inpayment to CCC was the true cause of the delay in payments to her creditorsPlease alsonote that her 1/20/payment was returned as "Payment Stopped" and she has notmade arrangements to makeup this payment as of today's dateMs [redacted] claims that CCC didn 't follow through with her creditor, [redacted] Please noteitem on our "Debt Management Enrollment Agreement" with Ms [redacted] , where CCCacknowledges that we can't guarantee creditor concessionsIn Ms [redacted] 's particularsituation, her [redacted] account was on a partial promotionPer [redacted] / [redacted] bank, thisaccount was ineligible for a DMP until the billing period after the promotional period hadexpired [redacted] Billing cycle closes on the 281h of each month, so the first availableproposal date was on 12/28/Please note the "Notifying Your Creditors" clause on the"Debt Management Enrollment Agreement", just under Ms [redacted] 's signature, where wedisclose that it takes 30-days for creditors to update their records and reflect DMPbenefitsIt is CCCs' opinion that Ms [redacted] didn't give adequate time for this account tobe set up on the programMs [redacted] claims that CCC did not respond to her emails in a timely mannerPlease notepage of our new client packet "Client Rights & Responsibilities", 4th bullet pointMs[redacted] has the right to receive a response from our office within one business dayPleasealso note that all email correspondence between Ms [redacted] and CCC after herenrollment dateIn Ms [redacted] 's 1/15/email, she claims that she emailed [redacted] on1/12/2015, but we do not show a record of this email on our email serverCCC speculatesthat Ms [redacted] may have typed [redacted] 's email address incorrectlyAlso, please note thatonce Ms [redacted] 's issues were brought to CCC's attention on 1/15/2015, all of her issueswere addressed and explained within business dayIt is CCC's opinion that all emails wereresponded to in the appropriate amount of timeMs [redacted] claims that CCC made untrue claims about her requesting a change inpayment dateUnder item number in our response, CCC feels that we have providedadequate evidence that Ms [redacted] clearly did not have the funds to make her paymenton the agreed upon dateDuring Ms [redacted] 's 12/23/conversation with [redacted] , shechose the date of her makeup payment, according to her personal financial needsMs [redacted] claims that she attempted to fax CCC on a few occasions and our fax wasbusyCCC doesn't dispute this claimCCC has fax line for our existing clients and we oftenreceive large faxesIn [redacted] 's 1/16/reply to Ms [redacted] 's email, he even apologizedfor her inconvenience and asked her to attempt her fax againCCC has also included 2separate dates of "Fax Journal Reports" to show that our fax machine does receive faxesproperlyMs [redacted] claims that she notified CCC that she was stopping her payments to CCCCCCdoes acknowledge that in Ms [redacted] 's email to [redacted] on I 19/2015, she did state, "Myaccount has been closed to CCC due to previous stated concerns." CCC also feels, todate, that Ms [redacted] has not completed the proper paperwork (per item of our "DebtManagement Enrollment Agreement")Please note the "Automatic Withdrawal ChangeForm" that was included in Ms [redacted] 's new client packetThis packet was mailed to Ms[redacted] 's home address on file, on 11/5/It is CCCs' opinion that Ms [redacted] still hassteps to complete if she wishes to dissolve her relationship with our organizationMs [redacted] claims that she first learned of her late payments when receiving statementsfrom her creditors showing late paymentsIt is CCC's' opinion that we have alreadyaddressed this issue in section of our replyCCC would also like to note that in our email toMr [redacted] on 10/30/2014, CCC asked Ms [redacted] to adjust the due dates on heraccounts to the 0th of each monthIf Ms [redacted] would have followed our instructions, thiscould have minimized the issues caused by her returned paymentIn response to the Revdex.com claim filed against CCC, CCC would like to note that in any or all ofMs [redacted] 's communications with CCC, she never once asked to have her issuesaddressed by a Staff SupervisorWe would also like to note that in Ms [redacted] 's new clientpacket, she was provided a "Grievance Form", so that if she didn't feel comfortableaddressing her concerns verbally, she would also have a way to address them in writing.Thank you so much for your consideration in our reply and CCC looks forward to resolvingthese issues with the Revdex.com, as well as with Ms [redacted] as soon as possible[redacted] General Operations Manager [redacted] | [redacted] ***P: [redacted] F: [redacted]
To Whom It may concern. Please see the attached files as our response and documentation regarding this matter. If you have any further questions or concerns, please let us know. Hope you are having a wonderful day. [redacted] January 29, 2015Re:[redacted]CCC Client number #[redacted],...
Revdex.com ID#[redacted]In reference to the above mentioned client, it is CCCs' opinion that the claims made by Ms.[redacted] are not true or correct for the following reasons:1. Ms. [redacted] claims that CCC did not make payment on the dates promised. In order forCCC to keep this part of our agreement, we need Ms. [redacted] to make her payments toCCC as promised. Please note item 4 on our "Debt Management Enrollment Agreement"with Ms. [redacted], where she agreed to make monthly payments on the 20th of each monthvia ACH transactions. On 12/22/2014 ( 12/20/2014 was not a banking business day) CCCattempted to withdrawal Mrs. [redacted]'s monthly payment. Please note "Bank of America,ACH services, Returned Item Report" dated 12/22/2014. Ms. [redacted]'s withdrawal wasreturned for Insufficient Funds. If this payment had been honored by Ms. [redacted]'s bank,CCC would have disbursed these funds out to her creditors on 12/29/2014. On 12/23/2014when CCC contacted Ms. [redacted] to resolve this issue we were advised that she wouldn'thave available funds to cover this payment until 12/29/2014. So, Ms. [redacted]'s delay inpayment to CCC was the true cause of the delay in payments to her creditors. Please alsonote that her 1/20/2015 payment was returned as "Payment Stopped" and she has notmade arrangements to makeup this payment as of today's date.2. Ms. [redacted] claims that CCC didn 't follow through with her creditor,[redacted]. Please noteitem 15 on our "Debt Management Enrollment Agreement" with Ms. [redacted], where CCCacknowledges that we can't guarantee creditor concessions. In Ms. [redacted]'s particularsituation, her [redacted] account was on a partial promotion. Per[redacted]/** bank, thisaccount was ineligible for a DMP until the billing period after the promotional period hadexpired. [redacted] Billing cycle closes on the 281h of each month, so the first availableproposal date was on 12/28/2014. Please note the "Notifying Your Creditors" clause on the"Debt Management Enrollment Agreement", just under Ms. [redacted]'s signature, where wedisclose that it takes 30-90 days for creditors to update their records and reflect DMPbenefits. It is CCCs' opinion that Ms. [redacted] didn't give adequate time for this account tobe set up on the program.3. Ms. [redacted] claims that CCC did not respond to her emails in a timely manner. Please notepage 6 of our new client packet "Client Rights & Responsibilities", 4th bullet point. Ms.[redacted] has the right to receive a response from our office within one business day. Pleasealso note that all email correspondence between Ms. [redacted] and CCC after herenrollment date. In Ms. [redacted]'s 1/15/2015 email, she claims that she emailed [redacted] on1/12/2015, but we do not show a record of this email on our email server. CCC speculatesthat Ms. [redacted] may have typed [redacted]'s email address incorrectly. Also, please note thatonce Ms. [redacted]'s issues were brought to CCC's attention on 1/15/2015, all of her issueswere addressed and explained within 1 business day. It is CCC's opinion that all emails wereresponded to in the appropriate amount of time.4. Ms. [redacted] claims that CCC made untrue claims about her requesting a change inpayment date. Under item number 1 in our response, CCC feels that we have providedadequate evidence that Ms. [redacted] clearly did not have the funds to make her paymenton the agreed upon date. During Ms. [redacted]'s 12/23/2014 conversation with [redacted], shechose the date of her makeup payment, according to her personal financial needs.5. Ms. [redacted] claims that she attempted to fax CCC on a few occasions and our fax wasbusy. CCC doesn't dispute this claim. CCC has 1 fax line for our existing clients and we oftenreceive large faxes. In [redacted]'s 1/16/2015 reply to Ms. [redacted]'s email, he even apologizedfor her inconvenience and asked her to attempt her fax again. CCC has also included 2separate dates of "Fax Journal Reports" to show that our fax machine does receive faxesproperly.6. Ms. [redacted] claims that she notified CCC that she was stopping her payments to CCC. CCCdoes acknowledge that in Ms. [redacted]'s email to [redacted] on 1 I 19/2015, she did state, "Myaccount has been closed to CCC due to previous stated concerns." CCC also feels, todate, that Ms. [redacted] has not completed the proper paperwork (per item 4 of our "DebtManagement Enrollment Agreement"). Please note the "Automatic Withdrawal ChangeForm" that was included in Ms. [redacted]'s new client packet. This packet was mailed to Ms.[redacted]'s home address on file, on 11/5/2014. It is CCCs' opinion that Ms. [redacted] still hassteps to complete if she wishes to dissolve her relationship with our organization.7. Ms. [redacted] claims that she first learned of her late payments when receiving statementsfrom her creditors showing late payments. It is CCC's' opinion that we have alreadyaddressed this issue in section 1 of our reply. CCC would also like to note that in our email toMr. [redacted] on 10/30/2014, CCC asked Ms. [redacted] to adjust the due dates on heraccounts to the 1 0th of each month. If Ms. [redacted] would have followed our instructions, thiscould have minimized the issues caused by her returned payment.8. In response to the Revdex.com claim filed against CCC, CCC would like to note that in any or all ofMs. [redacted]'s communications with CCC, she never once asked to have her issuesaddressed by a Staff Supervisor. We would also like to note that in Ms. [redacted]'s new clientpacket, she was provided a "Grievance Form", so that if she didn't feel comfortableaddressing her concerns verbally, she would also have a way to address them in writing.Thank you so much for your consideration in our reply and CCC looks forward to resolvingthese issues with the Revdex.com, as well as with Ms. [redacted] as soon as possible.[redacted]General Operations Manager[redacted] | [redacted]P: [redacted]F: [redacted]
To Whom It may concernPlease see the attached files as our response and documentation regarding this matterIf you have any further questions or concerns, please let us knowHope you are having a wonderful day [redacted] *** January 29, 2015Re: [redacted] CCC Client number #***, Revdex.com ID# [redacted] In reference to the above mentioned client, it is CCCs' opinion that the claims made by Ms[redacted] are not true or correct for the following reasons:Ms [redacted] claims that CCC did not make payment on the dates promisedIn order forCCC to keep this part of our agreement, we need Ms [redacted] to make her payments toCCC as promisedPlease note item on our "Debt Management Enrollment Agreement"with Ms [redacted] , where she agreed to make monthly payments on the 20th of each monthvia ACH transactionsOn 12/22/( 12/20/was not a banking business day) CCCattempted to withdrawal Mrs [redacted] 's monthly paymentPlease note "Bank of America,ACH services, Returned Item Report" dated 12/22/Ms [redacted] 's withdrawal wasreturned for Insufficient FundsIf this payment had been honored by Ms [redacted] 's bank,CCC would have disbursed these funds out to her creditors on 12/29/On 12/23/2014when CCC contacted Ms [redacted] to resolve this issue we were advised that she wouldn'thave available funds to cover this payment until 12/29/So, Ms [redacted] 's delay inpayment to CCC was the true cause of the delay in payments to her creditorsPlease alsonote that her 1/20/payment was returned as "Payment Stopped" and she has notmade arrangements to makeup this payment as of today's dateMs [redacted] claims that CCC didn 't follow through with her creditor, [redacted] Please noteitem on our "Debt Management Enrollment Agreement" with Ms [redacted] , where CCCacknowledges that we can't guarantee creditor concessionsIn Ms [redacted] 's particularsituation, her [redacted] account was on a partial promotionPer [redacted] / [redacted] bank, thisaccount was ineligible for a DMP until the billing period after the promotional period hadexpired [redacted] Billing cycle closes on the 281h of each month, so the first availableproposal date was on 12/28/Please note the "Notifying Your Creditors" clause on the"Debt Management Enrollment Agreement", just under Ms [redacted] 's signature, where wedisclose that it takes 30-days for creditors to update their records and reflect DMPbenefitsIt is CCCs' opinion that Ms [redacted] didn't give adequate time for this account tobe set up on the programMs [redacted] claims that CCC did not respond to her emails in a timely mannerPlease notepage of our new client packet "Client Rights & Responsibilities", 4th bullet pointMs[redacted] has the right to receive a response from our office within one business dayPleasealso note that all email correspondence between Ms [redacted] and CCC after herenrollment dateIn Ms [redacted] 's 1/15/email, she claims that she emailed [redacted] on1/12/2015, but we do not show a record of this email on our email serverCCC speculatesthat Ms [redacted] may have typed [redacted] 's email address incorrectlyAlso, please note thatonce Ms [redacted] 's issues were brought to CCC's attention on 1/15/2015, all of her issueswere addressed and explained within business dayIt is CCC's opinion that all emails wereresponded to in the appropriate amount of timeMs [redacted] claims that CCC made untrue claims about her requesting a change inpayment dateUnder item number in our response, CCC feels that we have providedadequate evidence that Ms [redacted] clearly did not have the funds to make her paymenton the agreed upon dateDuring Ms [redacted] 's 12/23/conversation with [redacted] , shechose the date of her makeup payment, according to her personal financial needsMs [redacted] claims that she attempted to fax CCC on a few occasions and our fax wasbusyCCC doesn't dispute this claimCCC has fax line for our existing clients and we oftenreceive large faxesIn [redacted] 's 1/16/reply to Ms [redacted] 's email, he even apologizedfor her inconvenience and asked her to attempt her fax againCCC has also included 2separate dates of "Fax Journal Reports" to show that our fax machine does receive faxesproperlyMs [redacted] claims that she notified CCC that she was stopping her payments to CCCCCCdoes acknowledge that in Ms [redacted] 's email to [redacted] on I 19/2015, she did state, "Myaccount has been closed to CCC due to previous stated concerns." CCC also feels, todate, that Ms [redacted] has not completed the proper paperwork (per item of our "DebtManagement Enrollment Agreement")Please note the "Automatic Withdrawal ChangeForm" that was included in Ms [redacted] 's new client packetThis packet was mailed to Ms[redacted] 's home address on file, on 11/5/It is CCCs' opinion that Ms [redacted] still hassteps to complete if she wishes to dissolve her relationship with our organizationMs [redacted] claims that she first learned of her late payments when receiving statementsfrom her creditors showing late paymentsIt is CCC's' opinion that we have alreadyaddressed this issue in section of our replyCCC would also like to note that in our email toMr [redacted] on 10/30/2014, CCC asked Ms [redacted] to adjust the due dates on heraccounts to the 0th of each monthIf Ms [redacted] would have followed our instructions, thiscould have minimized the issues caused by her returned paymentIn response to the Revdex.com claim filed against CCC, CCC would like to note that in any or all ofMs [redacted] 's communications with CCC, she never once asked to have her issuesaddressed by a Staff SupervisorWe would also like to note that in Ms [redacted] 's new clientpacket, she was provided a "Grievance Form", so that if she didn't feel comfortableaddressing her concerns verbally, she would also have a way to address them in writing.Thank you so much for your consideration in our reply and CCC looks forward to resolvingthese issues with the Revdex.com, as well as with Ms [redacted] as soon as possible[redacted] General Operations Manager [redacted] | [redacted] ***P: [redacted] F: [redacted]
To Whom It may concern. Please see the attached files as our response and documentation regarding this matter. If you have any further questions or concerns, please let us know. Hope you are having a wonderful day. [redacted] January 29, 2015Re:[redacted]CCC Client number #[redacted],...
Revdex.com ID#[redacted]In reference to the above mentioned client, it is CCCs' opinion that the claims made by Ms.[redacted] are not true or correct for the following reasons:1. Ms. [redacted] claims that CCC did not make payment on the dates promised. In order forCCC to keep this part of our agreement, we need Ms. [redacted] to make her payments toCCC as promised. Please note item 4 on our "Debt Management Enrollment Agreement"with Ms. [redacted], where she agreed to make monthly payments on the 20th of each monthvia ACH transactions. On 12/22/2014 ( 12/20/2014 was not a banking business day) CCCattempted to withdrawal Mrs. [redacted]'s monthly payment. Please note "Bank of America,ACH services, Returned Item Report" dated 12/22/2014. Ms. [redacted]'s withdrawal wasreturned for Insufficient Funds. If this payment had been honored by Ms. [redacted]'s bank,CCC would have disbursed these funds out to her creditors on 12/29/2014. On 12/23/2014when CCC contacted Ms. [redacted] to resolve this issue we were advised that she wouldn'thave available funds to cover this payment until 12/29/2014. So, Ms. [redacted]'s delay inpayment to CCC was the true cause of the delay in payments to her creditors. Please alsonote that her 1/20/2015 payment was returned as "Payment Stopped" and she has notmade arrangements to makeup this payment as of today's date.2. Ms. [redacted] claims that CCC didn 't follow through with her creditor,[redacted]. Please noteitem 15 on our "Debt Management Enrollment Agreement" with Ms. [redacted], where CCCacknowledges that we can't guarantee creditor concessions. In Ms. [redacted]'s particularsituation, her [redacted] account was on a partial promotion. Per[redacted]/** bank, thisaccount was ineligible for a DMP until the billing period after the promotional period hadexpired. [redacted] Billing cycle closes on the 281h of each month, so the first availableproposal date was on 12/28/2014. Please note the "Notifying Your Creditors" clause on the"Debt Management Enrollment Agreement", just under Ms. [redacted]'s signature, where wedisclose that it takes 30-90 days for creditors to update their records and reflect DMPbenefits. It is CCCs' opinion that Ms. [redacted] didn't give adequate time for this account tobe set up on the program.3. Ms. [redacted] claims that CCC did not respond to her emails in a timely manner. Please notepage 6 of our new client packet "Client Rights & Responsibilities", 4th bullet point. Ms.[redacted] has the right to receive a response from our office within one business day. Pleasealso note that all email correspondence between Ms. [redacted] and CCC after herenrollment date. In Ms. [redacted]'s 1/15/2015 email, she claims that she emailed [redacted] on1/12/2015, but we do not show a record of this email on our email server. CCC speculatesthat Ms. [redacted] may have typed [redacted]'s email address incorrectly. Also, please note thatonce Ms. [redacted]'s issues were brought to CCC's attention on 1/15/2015, all of her issueswere addressed and explained within 1 business day. It is CCC's opinion that all emails wereresponded to in the appropriate amount of time.4. Ms. [redacted] claims that CCC made untrue claims about her requesting a change inpayment date. Under item number 1 in our response, CCC feels that we have providedadequate evidence that Ms. [redacted] clearly did not have the funds to make her paymenton the agreed upon date. During Ms. [redacted]'s 12/23/2014 conversation with [redacted], shechose the date of her makeup payment, according to her personal financial needs.5. Ms. [redacted] claims that she attempted to fax CCC on a few occasions and our fax wasbusy. CCC doesn't dispute this claim. CCC has 1 fax line for our existing clients and we oftenreceive large faxes. In [redacted]'s 1/16/2015 reply to Ms. [redacted]'s email, he even apologizedfor her inconvenience and asked her to attempt her fax again. CCC has also included 2separate dates of "Fax Journal Reports" to show that our fax machine does receive faxesproperly.6. Ms. [redacted] claims that she notified CCC that she was stopping her payments to CCC. CCCdoes acknowledge that in Ms. [redacted]'s email to [redacted] on 1 I 19/2015, she did state, "Myaccount has been closed to CCC due to previous stated concerns." CCC also feels, todate, that Ms. [redacted] has not completed the proper paperwork (per item 4 of our "DebtManagement Enrollment Agreement"). Please note the "Automatic Withdrawal ChangeForm" that was included in Ms. [redacted]'s new client packet. This packet was mailed to Ms.[redacted]'s home address on file, on 11/5/2014. It is CCCs' opinion that Ms. [redacted] still hassteps to complete if she wishes to dissolve her relationship with our organization.7. Ms. [redacted] claims that she first learned of her late payments when receiving statementsfrom her creditors showing late payments. It is CCC's' opinion that we have alreadyaddressed this issue in section 1 of our reply. CCC would also like to note that in our email toMr. [redacted] on 10/30/2014, CCC asked Ms. [redacted] to adjust the due dates on heraccounts to the 1 0th of each month. If Ms. [redacted] would have followed our instructions, thiscould have minimized the issues caused by her returned payment.8. In response to the Revdex.com claim filed against CCC, CCC would like to note that in any or all ofMs. [redacted]'s communications with CCC, she never once asked to have her issuesaddressed by a Staff Supervisor. We would also like to note that in Ms. [redacted]'s new clientpacket, she was provided a "Grievance Form", so that if she didn't feel comfortableaddressing her concerns verbally, she would also have a way to address them in writing.Thank you so much for your consideration in our reply and CCC looks forward to resolvingthese issues with the Revdex.com, as well as with Ms. [redacted] as soon as possible.[redacted]General Operations Manager[redacted] | [redacted]P: [redacted]F: [redacted]