Rivers Kitchens of Chester

Good Afternoon, Thank you for affording us the opportunity to respond to Mr [redacted] complaintUpon completing an internal investigation, we have determined claims made by Mr [redacted] are inaccurate.The debt in question is that of [redacted] ExcavatingMr [redacted] was contacted in relation to his obligation with [redacted] Insurance by the Customer Service Department between January and March All efforts to contact [redacted] Excavating were ignoredMr [redacted] spoke to Mr [redacted] on March and outlined [redacted] Excavating were in default of their obligation with [redacted] InsuranceAt no point in time did Mr*** state he was an attorneyMr [redacted] requested proof of [redacted] Excavating's obligation, Mr [redacted] outlined the dates the information was previously sent to the organizationMr [redacted] indicated he had to pay other creditors and would call back the following day to fulfill [redacted] Excavating's obligation to [redacted] Insurance by remitting paymentMr [redacted] subsequently called [redacted] Insurance and set up a direct payment plan with themAt this juncture Brennan and Clark have ceased collection activity, conditional upon [redacted] Excavating adhering to the payment plan they currently have in placeShould you require any additional information, please do not hesitate in contacting meSincerely Frank [redacted] f [redacted] @brennanclark.com ###-###-####

Good Afternoon, I am grateful to be able to respond to this complaint as, in my opinion, it is completely fabricated We have been in business for years, and we protect creditors rights We collect money from people who did not honor a contract, or from whom there is a disputed matter None of the people we call are happy to hear form us As we output calls per day, we are bound to have a few claims filed against us Never, in years have I had a customer who hired my organization to collect their receivables filed a complaint against me As a registered Revdex.com Member, with an A+ rating, we take exception to the prevarications within this complaint it is a complete and utter fabrication of the truthMy office records calls at random for training purposes, and it so happens that the conversation Ms [redacted] had with Kevin [redacted] of Brennan and Clark was recordedMs [redacted] s claim that Mr [redacted] uttered the words “Are you ever gonna pay your bill lady” is nothing short of a flat out lieNot only was Mr [redacted] anything but professional on his one and only call with Ms [redacted] , she communicated to him that she has made payments to BCBS direct which as of the date of the conversation was incorrect, she has since made a $payment against her balance which BSBC finds unacceptableI am lost as to what her motivation for making such a and unfounded accusation wasNot only has Ms [redacted] made and defamatory comments about Mr***, which could have resulted in him being reprimanded as a result of this fabricated complaint; she also took it upon herself to file a complaint with my client BCBS which could also have resulted in my offices contract with BCBS being terminatedMy only saving grace on this occasion was that we just so happened to have a copy of the call recording which I was able to play for themQuite frankly I am growing tired of unfounded complaints being filed with your office, only for Brennan & Clark being left with the burden of having to waste valuable time and resources to respond to these fabricated claimsAt this juncture, absent a complete and prompt redaction of the complaints filed with both the Revdex.com and with BCBS by Ms [redacted] , I will not hesitate in contacting my attorney to discuss the options I have at my disposal to handle to review the legal remedies Brennan & Clark has against Ms [redacted] for her intentional misinformative complaintsShould you like to act as a mediatory between my office and Ms [redacted] in reviewing the call in question I welcome the opportunity although I am pretty sure Ms [redacted] will pass on it Sincerely, Frank [redacted]

Good Afternoon,Erie Insurance received a request from Mr [redacted] Insurance agency AW Insurance, to bind a commercial Ultrapack policy on behalf of Mr***According to Mr [redacted] dispute, he claims that request was submitted to Erie Insurance without his consent, and claims his agent acknowledged the errorUpon binding the policy once the request was received by Erie Insurance, they become liable from a claims standpoint and as long as they are liable the premiums are dueThat being said, I am happy to have Erie Insurance issue a credit if Mr [redacted] can provide proof of coverage with another Insurance carrier for the time period the policy was in effect which would in turn release Erie Insurance from liability, or Mr [redacted] is welcome to forward a letter from his agent stating that the policy was bound in error and present that document to Erie Insurance.In the interim we have closed our file disputed.If I can be of any further assistance, please do not hesitate in contacting meSincerely, Frank [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11675175, and find that this resolution is satisfactory to me I apologize for any undue work or irritation on your partSince you have a recording that I obviously don't have then there's really no reason to argue anymore about it nor does someone like me, in & out of the hospital & some days barely able to get out of bed, have a lawyer on retainer(As you alluded to in your response) One question though, is it your policy to not leave messages when you call?? Also, there has been more than $made on the account & a case has been opened up with the post officeJust so you knowI have left a message for BCBS as well but have yet to hear back from them Sincerely, Candice [redacted]

Initial Business Response / [redacted] (1000, 6, 2015/08/14) */ Contact Name and Title: [redacted] Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @brennanclark.com Good Afternoon, In reviewing the dispute in question, we have no known account in our system which matches the contact information provided by Mr [redacted] I would be happy to look into Mr [redacted] 's dispute, however, in order for me to do so, we kindly request he provide the name, address, and file # on the correspondence received from Brennan & Clark, or the phone number at which Mr [redacted] was contactedOnce verified, I happy to assist in reviewing the matter Sincerely, Initial Consumer Rebuttal / [redacted] (2000, 8, 2015/08/17) */ (The consumer indicated he/she ACCEPTED the response from the business.) I have been contacted by this company multiple timesI only have saved messages in my deleted voice message folder 3-26- [redacted] contacted me threatened legal action but gave no account number to reference 4-17- [redacted] contacted me threatened legal action but gave no account number to reference 4-30- [redacted] contacted me threatened legal action but gave no account number to reference 5-4- [redacted] contacted me threatened legal action but gave no account number to reference During this whole process all I have asked for is a bill so that I can make sure I actually owe the moneyI have been told they won't send one I have also been told they only payment that would be accepted by both these men named above was via my bank routing numbersI had a brief meeting wit,h my banker and he suggested I DO NOT give these numbers to anyoneAfter I left the bank I went to my local Revdex.com and explained the harassment I have been put throughThe Revdex.com in lexington key recommended I DO NOT give them my routing number and that by law they had to send me a billwhen I contacted Brnann and Clark I was told that I was give bad information by both parties and again threatened with legal action Final Consumer Response / [redacted] (3000, 16, 2015/08/26) */ (The consumer indicated he/she ACCEPTED the response from the business.) I have been contacted by this company multiple timesI only have saved messages in my deleted voice message folder 3-26- [redacted] contacted me threatened legal action but gave no account number to reference 4-17- [redacted] contacted me threatened legal action but gave no account number to reference 4-30- [redacted] contacted me threatened legal action but gave no account number to reference 5-4- [redacted] contacted me threatened legal action but gave no account number to reference During this whole process all I have asked for is a bill so that I can make sure I actually owe the moneyI have been told they won't send one I have also been told they only payment that would be accepted by both these men named above was via my bank routing numbersI had a brief meeting wit,h my banker and he suggested I DO NOT give these numbers to anyoneAfter I left the bank I went to my local Revdex.com and explained the harassment I have been put throughThe Revdex.com in lexington key recommended I DO NOT give them my routing number and that by law they had to send me a billwhen I contacted Brnann and Clark I was told that I was give bad information by both parties and again threatened with legal action

Good Afternoon,Having completed a thorough internal investigation into the complaint in question, Brennan & Clark vehemently denies what we consider to be accusations made by Ms [redacted] Quite frankly, we consider the complaint to be so inaccurate it borders on slanderWe are one hundred per cent confident no FDCPA violations occurred and the source of the complaint filed, is as a result of Ms [redacted] not receiving a paid in full letter immediately after remitting payment of the balance in questionAny and all threats made in the handling of the file in our office were made by Mr [redacted] to several employees within our organization, by threatening a lawsuit against Brennan & Clark if we did not give him a paid in full right away.The account was placed with our office in December of The file in our office had long been closed when we received a call on February 2016, in which Mr [redacted] communicated he wanted to remit payment, which he voluntarily paidThere were no threats made by Sam [redacted] of Brennan & Clark and all claims made in the attached complaint are 100% refutedMr [redacted] called several days after making the payment, requesting a paid in full letterMrs [redacted] also sent an email requesting a paid in full letterWe advised the [redacted] 's a letter would be sent in due course,Brennan & Clark DO NOT send paid in full letters immediately after receiving payment as a payment may take several days to clear a customer's accountOn a side note, we are not legally required to send a paid in full letter, but do so as a serviceAs for credit reporting, the law requires Brennan & Clark to update Ms [redacted] s credit within 90days from the date of payment, which legally requires us to report by May 2016.I trust the above response satisfies the complaintShould the [redacted] 's have any evidence that substantiates their claim, they are more than welcome to forward itHowever, as mentioned previously I am confident such information does not existI trust all is in order and the complaint in question may now be closedSincerely, Frank [redacted]

Good Afternoon,
We have been in contact with *** *** Mutual Insurance, who have requested we close our file at Brennan & Clark, and credit $balance
Please be advised this is not an admission of liability on *** Insurances or Brennan & Clarks part
*** *** credit
will be updated accordinglyShould you have any questions, please do not hesitate in contacting me
Sincerely,
*** ***

Initial Business Response /* (1000, 8, 2015/04/28) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@brennanclark.com
Good Afternoon,
Thank You for the opportunity to respond to the above referenced complaint
I left a message for *** todayI am
willing to allow her to break the balance up over three separate paymentsAs advised in the message I left for *** today, she can contact me direct at XXX-XXX-XXXX to make the payment arrangements
Sincerely,
*** ***

Good Afternoon, Thank you for affording us the opportunity to respond to Mr*** complaintUpon completing an internal investigation, we have determined claims made by Mr*** are inaccurate.The debt in question is that of *** Excavating. Mr*** was contacted in relation to
his obligation with *** Insurance by the Customer Service Department between January and March All efforts to contact *** Excavating were ignoredMr*** spoke to Mr*** on March and outlined *** Excavating were in default of their obligation with *** InsuranceAt no point in time did Mr*** state he was an attorneyMr*** requested proof of *** Excavating's obligation, Mr*** outlined the dates the information was previously sent to the organizationMr*** indicated he had to pay other creditors and would call back the following day to fulfill *** Excavating's obligation to *** Insurance by remitting paymentMr*** subsequently called *** Insurance and set up a direct payment plan with themAt this juncture Brennan and Clark have ceased collection activity, conditional upon *** Excavating adhering to the payment plan they currently have in placeShould you require any additional information, please do not hesitate in contacting meSincerely Frank *** f@brennanclark.com ###-###-####

Good Afternoon, As of today we have spoken to *** Insurance twice in relation to the debt in questionOn 9/8/*** received a call from the insured adding a vehicle in question to policy ***The policy renewed on 12/1/and was subsequently cancelled for non payment of
premium on 12/22/At the time of cancellation there was a premium due in the amount of $341.59.As of today we have not received the documentation requested from the original creditor and have submitted an additional requestAt this juncture I am happy to do of two things: once receieved I will forward the information in questionShould we not receive it within days, I will close our file. Please advise if the above is agreeable by Ms***. Sincerely, Frank ***

Dear Sir/Madam,Thanks you for affording us the opportunity to respond to Ms*** complaint.Please be advised that Ms*** spoke with two of Brennan & Clark's representatives, *** *** on January and *** *** on January We vehemently refute Ms*** claim that we
were unwilling to provide her information which would allow her to verify Brennan & Clark represented Home Pages and American MarketingMr*** provided Ms*** with a phone at which Home Pages and American Marketing could be reached, which she is more than welcome to call to confirm, it is *** We also refute Ms*** claim that Brennan & Clarks representatives "Just wanted checking account information"The agents in question did request payment be issued via ach payment, and Ms*** denied their request which she is more than entitled to doMs*** did however advise Mr*** that she owed the debt in question and also advised Mr*** she was suffering financial hardship, and she subsequently agreed to pay the balance off over three monthsMs*** indicated she would call back the following day to issue the payments, however the issuing of payments did not materialize.The final item raised by Ms*** appears to relate to the mini MirandaGiven the debt in question is a commercial debt and the fact the FDCPA applies to consumer debt Mr*** nor Mr*** are required to cite the Mini Miranda in their communication with Ms*** in this instance.In closing, as previously communicated to Ms*** if she would like to call Home Pages and American Marketing to verify Brennan & Clarks capacity, and contact us back after the fact, she is more than welcome to set up payments over the next three moments.We look forward to your responseShould you have any questions in the interim, please feel free to contact me. Sincerely, *** ***

Good Afternoon, I am grateful to be able to respond to this complaint as, in my opinion, it is completely fabricated.  We have been in business for 35 years, and we protect creditors rights.  We collect money from people who did not honor a contract, or from whom there is a disputed...

matter.  None of the people we call are happy to hear form us.  As we output 1000 calls per day, we are bound to have a few claims filed against us.  Never, in 35 years have I had a customer who hired my organization to collect their receivables filed a complaint against me.  As a registered Revdex.com Member, with an A+ rating, we take exception to the prevarications within this complaint.  it is a complete and utter fabrication of the truth. My office records calls at random for training purposes, and it so happens that the conversation Ms. [redacted] had with Kevin [redacted] of Brennan and Clark was recorded. Ms. [redacted]s claim that Mr. [redacted] uttered the words “Are you ever gonna pay your bill lady” is nothing short of a flat out lie. Not only was Mr. [redacted] anything but professional on his one and only call with Ms. [redacted], she communicated to him that she has made payments to BCBS direct which as of the date of the conversation was incorrect, she has since made a $10.00 payment against her balance which BSBC finds unacceptable. I am lost as to what her motivation for making such a false and unfounded accusation was. Not only has Ms. [redacted] made false and defamatory comments about Mr. [redacted], which could have resulted in him being reprimanded as a result of this fabricated complaint; she also took it upon herself to file a complaint with my client BCBS which could also have resulted in my offices contract with BCBS being terminated. My only saving grace on this occasion was that we just so happened to have a copy of the call recording which I was able  to play for them. Quite frankly I am growing tired of unfounded complaints being filed with your office, only for Brennan & Clark being left with the burden of having to waste valuable time and resources to respond to these fabricated claims. At this juncture, absent a complete and prompt redaction of the complaints filed with both the Revdex.com and with BCBS by Ms. [redacted], I will not hesitate in contacting my attorney to discuss the options I have at my disposal to handle to review the legal remedies Brennan & Clark has against Ms. [redacted] for her intentional misinformative complaints. Should you like to act as a mediatory between my office and Ms. [redacted] in reviewing the call in question I welcome the opportunity although I am pretty sure Ms. [redacted] will pass on it.  Sincerely, Frank [redacted]

Initial Business Response /* (1000, 6, 2015/08/14) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@brennanclark.com
Good Afternoon,
In reviewing the dispute in question, we have no known account in our system which matches the contact information...

provided by Mr. [redacted].
I would be happy to look into Mr. [redacted]'s dispute, however, in order for me to do so, we kindly request he provide the name, address, and file # on the correspondence received from Brennan & Clark, or the phone number at which Mr. [redacted] was contacted. Once verified, I happy to assist in reviewing the matter.
Sincerely,
Initial Consumer Rebuttal /* (2000, 8, 2015/08/17) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I have been contacted by this company multiple times. I only have 4 saved messages in my deleted voice message folder.
3-26-15 [redacted] contacted me threatened legal action but gave no account number to reference.
4-17-2015 [redacted] contacted me threatened legal action but gave no account number to reference.
4-30-2015 [redacted] contacted me threatened legal action but gave no account number to reference.
5-4-2015 [redacted] contacted me threatened legal action but gave no account number to reference.
During this whole process all I have asked for is a bill so that I can make sure I actually owe the money. I have been told they won't send one.
I have also been told they only payment that would be accepted by both these men named above was via my bank routing numbers. I had a brief meeting wit,h my banker and he suggested I DO NOT give these numbers to anyone. After I left the bank I went to my local Revdex.com and explained the harassment I have been put through. The Revdex.com in lexington key recommended I DO NOT give them my routing number and that by law they had to send me a bill. when I contacted Brnann and Clark I was told that I was give bad information by both parties and again threatened with legal action.
Final Consumer Response /* (3000, 16, 2015/08/26) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I have been contacted by this company multiple times. I only have 4 saved messages in my deleted voice message folder.
3-26-15 [redacted] contacted me threatened legal action but gave no account number to reference.
4-17-2015 [redacted] contacted me threatened legal action but gave no account number to reference.
4-30-2015 [redacted] contacted me threatened legal action but gave no account number to reference.
5-4-2015 [redacted] contacted me threatened legal action but gave no account number to reference.
During this whole process all I have asked for is a bill so that I can make sure I actually owe the money. I have been told they won't send one.
I have also been told they only payment that would be accepted by both these men named above was via my bank routing numbers. I had a brief meeting wit,h my banker and he suggested I DO NOT give these numbers to anyone. After I left the bank I went to my local Revdex.com and explained the harassment I have been put through. The Revdex.com in lexington key recommended I DO NOT give them my routing number and that by law they had to send me a bill. when I contacted Brnann and Clark I was told that I was give bad information by both parties and again threatened with legal action.

Good Afternoon,Having completed a thorough internal investigation into the complaint in question, Brennan & Clark vehemently denies what we consider to be false accusations made by Ms. [redacted]. Quite frankly, we consider the complaint to be so inaccurate it borders on slander. We are...

one hundred per cent confident no FDCPA violations occurred and the source of the complaint filed, is as a result of Ms. [redacted] not receiving a paid in full letter immediately after remitting payment of the balance in question. Any and all threats made in the handling of the file in our office were made by Mr. [redacted] to several employees within our organization, by threatening a lawsuit against Brennan & Clark if we did not give him a paid in full right away.The account was placed with our office in December of 2010. The file in our office had long been closed when we received a call on February 16 2016, in which Mr. [redacted] communicated he wanted to remit payment, which he voluntarily paid. There were no threats made by Sam [redacted] of Brennan & Clark and all claims made in the attached complaint are 100% refuted. Mr. [redacted] called several days after making the payment, requesting a paid in full letter. Mrs. [redacted] also sent an email requesting a paid in full letter. We advised the [redacted]'s a letter would be sent in due course,. Brennan & Clark DO NOT send paid in full letters immediately after receiving payment as a payment may take several days to clear a customer's account. On a side note, we are not legally required to send a paid in full letter, but do so as a service. As for credit reporting, the law requires Brennan & Clark to update Ms. [redacted]s credit within 90days from the date of payment, which legally requires us to report by May 17 2016.I trust the above response satisfies the complaint. Should the [redacted]'s have any evidence that substantiates their claim, they are more than welcome to forward it. However, as mentioned previously I am confident such information does not exist. I trust all is in order and the complaint in question may now be closed. Sincerely, Frank [redacted]

Initial Business Response /* (1000, 6, 2015/08/14) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@brennanclark.com
Good Afternoon,
Thank you for affording us an opportunity to respond to the complaint in question. Please be advised we vehemently...

deny the unfounded allegations made by Ms. [redacted] in her complaint.
Having had an opportunity to review the calls in question, I have verified the following:
1)At no point in time, did Ryan Grant of Brennan & Clark claim to work for [redacted]
2)We mailed an initial demand letter to [redacted] on July XX XXXX which outlined the total balance placed for collections with Brennan & Clark by [redacted]
3) Mr. [redacted] did communicate in every call placed to [redacted] that he was with Brennan & Clark.
4)A representative of [redacted] contacted Brennan & Clark, as they were in receipt of a complaint from [redacted] Upon reviewing the call with [redacted] they were more than happy in how Brennan & Clark handled the file in question, and had no concerns.
In lieu of the fact out internal investigation has not uncovered any unethical practices, nor has it uncovered violations of any regulatory issues we trust all is in order.
Should Ms. [redacted] have any evidence that suggest otherwise, we certainly invite her to forward the information in question for review.
Sincerely,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11675175, and find that this resolution is satisfactory to me.
I apologize for any undue work or irritation on your part. Since you have a recording that I obviously don't have then there's really no reason to argue anymore about it nor does someone like me, in & out of the hospital & some days barely able to get out of bed, have a lawyer on retainer. (As you alluded to in your response) One question though, is it your policy to not leave messages when you call?? Also, there has been more than $10.00 made on the account & a case has been opened up with the post office. Just so you know. I have left a message for BCBS as well but have yet to hear back from them.
Sincerely,
Candice [redacted]

I appreciate the Revdex.com affording Brennan & Clark an opportunity to respond to the complaint filed by Mr. [redacted]. I would like to begin by addressing the call recording issue mentioned by Mr. [redacted]. Brennan & Clarks calls are randomly recorded for quality assurance and...

training purposes in single party consent States. As New York is a single party consent State, permission is not required by both parties. Given the above facts Brennan & Clark vehemently deny Mr. [redacted]s claim that in recording the call we violated the law or that Ms. Mitchell lied. As the policy in question In reviewing our file internally, I would like to provide a brief history of Brennan & Clarks efforts. A total of four letters were mailed to Northeast Development Of Rochester LLC on the following dates: December 23 2016 January 31 2017 March 2 2017 March 20 2017 Voice Mail Messages were left on the following dates: December 29 2016 January 11 2017 January 24 2017 February 2 2017 February 13 2017 February 16 2017 February 28 2017 Mr. [redacted] called Brennan & Clark on March 28 2017 and left a message. Sam Mitchell from Brennan & Clark responded by returning Mr. [redacted] call about ten minutes later. During the call Ms. [redacted] explained to Mr. [redacted] the balance in question was owed because of unpaid premium for insurance coverage obtained with our customer. At no point during the call did Mr[redacted] request documentation substantiating the debt in question, and when asked for an explanation of the debt Ms. [redacted] provided it. Brennan & Clark firmly believes in sending four letters outlining details of the obligation in question and placing countless call to Mr. Cociardo over the course of a three-month time period, a more than fair effort was extended by Brennan And Clark to resolve the matter amicably. We have been informed by our client the obligation in question has now been satisfied by Northeast Development Of Rochester LLC and Brennan & Clarks file has been closed. Should you require any additional information, please do not hesitate in contacting me.   Sincerely Frank [redacted]

Good Afternoon,Erie Insurance received a request from Mr. [redacted] Insurance agency AW Insurance, to bind a commercial Ultrapack policy on behalf of Mr. [redacted]. According to Mr. [redacted] dispute, he claims that request was submitted to Erie Insurance without his consent, and claims his...

agent acknowledged the error. Upon binding the policy once the request was received by Erie Insurance, they become liable from a claims standpoint and as long as they are liable the premiums are due. That being said, I am happy to have Erie Insurance issue a credit if Mr. [redacted] can provide proof of coverage with another Insurance carrier for the time period the policy was in effect which would in turn release Erie Insurance from liability, or Mr. [redacted] is welcome to forward a letter from his agent stating that the policy was bound in error and present that document to Erie Insurance.In the interim we have closed our file disputed.If I can be of any further assistance, please do not hesitate in contacting me. Sincerely, Frank [redacted]