Professional Credit Solutions

This is and update to my previous responseMrs [redacted] requested a chargeback from the creditor for all the reasons stated in her complaintI provided all the documentation and the merchant service company sided with me and credited my company back for the paymentMrs [redacted] allegations fraudulent and the process has proved that factSincerely, [redacted] ***

Mrs*** story of the event is a complete fabrication of the factsShe seems to have forgotten that most of our communication was by email so I have documentation that she did not cancel her account months ago as she
statesShe sent an email on 9/1/stating that she wanted to cancel her accountThe last charge that she is disputing came out of her account on 9/8/for services provided and billed for on 5/23/Mrs *** was contacted in May to discuss the new charge for services providedShe was unable to pay for the work in full at that time so we made payment arrangements with her to pay $every two week until paid in full
We accepted the first payment on 5/23/but when we tried to take the next payment her card failedAfter making attempts to collect and the card failing each time we were finally able to collect the second payment on the forth attemptWhen we tried to take the third and final payment the card was no longer good or a new card was issued
We made several attempt to contact Mrs *** and were not able to get the new card number until June 13th when we spoke with her, received the new card information and went over a new current service fee of $On June 13th Mrs *** was charged for the new fee of $however she was unable to make that payment and the final payment for previous service of $at the same timeWe agreed to give her additional time to payOn September 1st we received an email that Mrs *** wished to discontinue serviceOn September 2nd *** ***, Office manager, called Mrs *** to discuss her account
During that discussion her account balance was discussed and payment arrangements were agreed to for Sept8th*** followed up with an email reminding her that the $payment never came out when due on 6/24/and that is was still dueThis is the follow up email after the phone call from ***, "***, Im very sorry for all the hassle and inconvenienceI left you voicemails on your phoneSince you have started we have deleted alot of items from your credir report and you have very few that remainYou do have a payment that never came out on 6/in the amount of $Please let me know if you would like me to send you the invoice or you can login to your portal to see the payment historyPlease let me know if there is anything I can do or if you have any questionsI will place your account on completeThank You." We never heard a word back from Mrs*** until after the charge processedUnfortunately, many of the things that we were working on for Mrs*** were from other creditors that she did not fulfill her obligation for payment and this is the same
Mrs*** has lied about when she cancelled her account, has lied about not knowing of the charges and when they were coming out, has lied about going into her account and withdrawing funds without her consent, has lied about not having a full itemized list of charges and explanation of charges, has lied about me stating I won't provide the requested information
My Company has full documentation to back up all charges, communications both phone and email to prove beyond a shadow of a doubt that Mrs***'s charges are frivolousShe has never, not once, been charged for services without speaking to our account manager first and arrangements being made firstEach client has a personal web portal with invoices, payment dates and a complete breakdown of what work is being done and what is completedMrs*** has never logged into her portal once since becoming a clientOn Mrs*** account, we have removed 66% or all negative accounts in two rounds of serviceI wish we had that good of performance on every clients fileUnfortunately, Mrs***, instead of being excited about the improvements to her credit report, has decided to slander our company to try and bully her way out of paying yet another debt obligationIf I ran my business as Mrs*** states, you would be receiving many complaints for unsatisfied customersHowever, this is the first complaint in our year history of working with clients and is a complete fabrication, not just a misunderstanding
Sincerely, *** *** President

This is and update to my previous response. Mrs. [redacted] requested a chargeback from the creditor for all the reasons stated in her complaint. I provided all the documentation and the merchant service company sided with me and credited my company back for the payment. Mrs. [redacted] allegations fraudulent and the process has proved that fact. Sincerely, [redacted]

Review: This company illegally went into my bank account and withdrew funds without my consent and without my knowledge. After I closed my file/Account with them for poor customer service and lack of communication which I expressed to the company at the time of closing they waited three months then randomly decided to go into my account and take money. I disputed this immediately with my bank. And I do plan to file police charges. I asked the company for an itemized list of charges and an explanation of charges. [redacted] the owner of the company states he will not provide the requested information in order to substantiate his assertion that I am indebted to the company. Instead, he makes threats and attempting to bully me into being extorted. I asked to speak with him directly on the matter but he states he does not speak with customers.Desired Settlement: I would like a refund of the certified letter fees that this company charged me for an account that was already listed in my schedule F which was in their possession but they failed to review it.

Business

Response:

Mrs. [redacted] story of the event is a complete fabrication of the facts. She seems to have forgotten that most of our communication was by email so I have documentation that she did not cancel her account 3 months ago as she states. She sent an email on 9/1/2014 stating that she wanted to cancel her account. The last charge that she is disputing came out of her account on 9/8/2014 for services provided and billed for on 5/23/2014. Mrs [redacted] was contacted in May to discuss the new charge for services provided. She was unable to pay for the work in full at that time so we made payment arrangements with her to pay $250 every two week until paid in full.

We accepted the first payment on 5/23/2014 but when we tried to take the next payment her card failed. After making 3 attempts to collect and the card failing each time we were finally able to collect the second payment on the forth attempt. When we tried to take the third and final payment the card was no longer good or a new card was issued.

We made several attempt to contact Mrs [redacted] and were not able to get the new card number until June 13th when we spoke with her, received the new card information and went over a new current service fee of $140. On June 13th Mrs [redacted] was charged for the new fee of $140 however she was unable to make that payment and the final payment for previous service of $250 at the same time. We agreed to give her additional time to pay. On September 1st we received an email that Mrs [redacted] wished to discontinue service. On September 2nd [redacted], Office manager, called Mrs [redacted] to discuss her account.

During that discussion her account balance was discussed and payment arrangements were agreed to for Sept. 8th. [redacted] followed up with an email reminding her that the $250 payment never came out when due on 6/24/2014 and that is was still due. This is the follow up email after the phone call from [redacted], "[redacted], Im very sorry for all the hassle and inconvenience. I left you 2 voicemails on your phone. Since you have started we have deleted alot of items from your credir report and you have very few that remain. You do have a payment that never came out on 6/24 in the amount of $250. Please let me know if you would like me to send you the invoice or you can login to your portal to see the payment history. Please let me know if there is anything I can do or if you have any questions. I will place your account on complete. Thank You." We never heard a word back from Mrs. [redacted] until after the charge processed. Unfortunately, many of the things that we were working on for Mrs. [redacted] were from other creditors that she did not fulfill her obligation for payment and this is the same.

Mrs. [redacted] has lied about when she cancelled her account, has lied about not knowing of the charges and when they were coming out, has lied about going into her account and withdrawing funds without her consent, has lied about not having a full itemized list of charges and explanation of charges, has lied about me stating I won't provide the requested information.

My Company has full documentation to back up all charges, communications both phone and email to prove beyond a shadow of a doubt that Mrs. [redacted]'s charges are frivolous. She has never, not once, been charged for services without speaking to our account manager first and arrangements being made first. Each client has a personal web portal with invoices, payment dates and a complete breakdown of what work is being done and what is completed. Mrs. [redacted] has never logged into her portal once since becoming a client. On Mrs. [redacted] account, we have removed 66% or all negative accounts in two rounds of service. I wish we had that good of performance on every clients file. Unfortunately, Mrs. [redacted], instead of being excited about the improvements to her credit report, has decided to slander our company to try and bully her way out of paying yet another debt obligation. If I ran my business as Mrs. [redacted] states, you would be receiving many complaints for unsatisfied customers. However, this is the first complaint in our 4 year history of working with clients and is a complete fabrication, not just a misunderstanding.

Sincerely, [redacted] President

Business

Response:

This is and update to my previous response. Mrs. [redacted] requested a chargeback from the creditor for all the reasons stated in her complaint. I provided all the documentation and the merchant service company sided with me and credited my company back for the payment. Mrs. [redacted] allegations fraudulent and the process has proved that fact. Sincerely, [redacted]