S B & C Ltd

Thank you for the opportunity to respond to the consumers concerns on matter [redacted] Our records show that the consumer was in our office today and has reached an agreement on a monthly payment amount and made a payment todayThe case has been noted to not call the consumers spouse at their place of employment or cellular phoneI believe all the concerns were addressed today to the consumers satisfaction.Thank you Brett RS***

Hello [redacted] , Thank you for the opportunity to respond on this matter Our original response is below with some additional comments On April 27, 2015, the SB&C, Ltdwas granted a judgment against the consumer in the amount of $1, On May 6, 2015, the consumer agreed to set up a payment arrangement of $per week until the judgment balance was paid in full, with her first payment being due May 8, The consumer was supposed to call back the next day with her bank routing and account information and make her first payment SB&C did not receive a call from her the next day On May 12, 2015, SB&C received an email from the consumer stating that she was unable to reach SB&C by phone so she mailed in her first check, and would try to call with her bank account information SB&C did not receive a check from the Defendant On our website we state: We can only respond to e–mails from clients who have or wish to assign accounts to us for collectionIf you owe money to SB&C or one of its clients and wish to discuss your account please call or write to us at the number/address shown at this site We ask that they call or contact by mail and in both contacts the consumer failed to do what they had told us putting them in default of the initial agreed upon payment arrangement On May 28, 2015, a third party came in with a $money order from the consumer, along with a letter from the consumer stating she had tried to call but was on hold too long or was disconnected, and the speaker on her phone was not working so she could only receive text messages The payment was not accepted because the arrangement was in default, and the third party was instructed to advise the consumer to come in to the office to speak with SB&C It is very important to us that our customers are able to easily reach us by telephone As such, we would like to investigate the consumer’s statements of being left on hold 20-minutes or disconnected each time she called our office, so we may better assist those calling us We would very much appreciate any information the consumer would be willing to provide us about the dates and times she called While no documentation was provided supporting the statement of being left on hold for 20-minutes and that there was an issue with her phone speaker they could have used another phone to contact us In the latest response states that we did not try and contact their at her employer and this is not correctWe did but make attempts and were either transferred to voice mail or on another attempt that they were in a different building when we called The main point being that a weekly payment arrangement was agreed upon and then the consumer failed to make the payments for nearly weeks When they sent a 3rd party into our office they did not have weeks of payments with them and we asked that they have the consumer contacts us which they failed to do If I can provide any other details regarding this matter please let me know Thank you

Re: CASE # [redacted] SB&C, Ltdis in receipt of the complaint in Case # [redacted] On April 27, 2015, the SB&C, Ltdwas granted a judgment against the consumer in the amount of $1, On May 6, 2015, the consumer agreed to set up a payment arrangement of $per week until the judgment balance was paid in full, with her first payment being due May 8, The consumer was supposed to call back the next day with her bank routing and account information and make her first payment SB&C did not receive a call from her the next day On May 12, 2015, SB&C received an email from the consumer stating that she was unable to reach SB&C by phone so she mailed in her first check, and would try to call with her bank account information SB&C did not receive a check from the Defendant On May 28, 2015, a third party came in with a $money order from the consumer, along with a letter from the consumer stating she had tried to call but was on hold too long or was disconnected, and the speaker on her phone was not working so she could only receive text messages The payment was not accepted because the arrangement was in default, and the third party was instructed to advise the consumer to come in to the office to speak with SB&C It is very important to us that our customers are able to easily reach us by telephone As such, we would like to investigate the consumer’s statements of being left on hold 20-minutes or disconnected each time she called our office, so we may better assist those calling us We would very much appreciate any information the consumer would be willing to provide us about the dates and times she called No further communication was received from the consumerTherefore, on June 11, 2015, a Writ of Garnishment for the amount of $1,was filed with the Court Sincerely, Brett S [redacted] Office Manager SB&C, Ltd

Complaint: ***I am rejecting this response because it is obvious that they received my correspondence, but ignored my requests for them to contact me. I gave them my work # and never received a call. It is still my assertion that SB & C was only interested in garnishing my wages as stated in my initial phone discussion with them. I made every attempt to reach them. When that failed, I attempted to submit payment. That was rejected. I feel I made every attempt to make good on my end our agreement. I am requesting that they reimburse me the difference in what I was quoted and what they ultimately garnished from my wages.Sincerely,*** ***

Revdex.com
Attn: *** ***
Resolutions Consultant
Re: CASE #***
Dear Ms***:
SB&C, Ltdis in receipt of the complaint in Case #***
SB&C, Ltdhas reviewed the above-mentioned complaint and offers the following information that the consumer has failed to include
SB&C was assigned a medical collection account for this consumer on 09/09/The consumer had received services from the original creditor, a medical provider, on 7/31/15, which had gone unpaidOn 09/12/16, SB&C mailed notice of the account and its assignment to collection to the consumerSB&C did not receive any communication regarding this account from the consumer until 12/8/16, at which time the consumer indicated that she had insurance coverage and the account was being rebilled to her insuranceThe account was immediately submitted to the original creditor for review of insurance billingOn 03/10/17, the original creditor contacted SB&C and notified SB&C of an insurance payment of $39,and an insurance adjustment of 21,The payment and adjustment were credited to the accountOn 03/24/17, the consumer contacted SB&C and inquired about the credit reporting and was informed that reporting was done once per month, and the payments and adjustments would be reflected in the next update, which they were
Since this account was not even assigned to SB&C until 9/9/16, the consumer’s allegation that she has been dealing with SB&C and that SB&C has been damaging her credit for years is completely falseThis account was not even reported to the credit bureau until 10/10/16, and the reporting was updated in April 2017, to reflect the insurance payment and adjustment reported in March 2017, and delete the reporting

Re:     CASE #[redacted]
 
         
 
SB&C, Ltd. is in receipt of the complaint in Case #[redacted].
 
On April 27, 2015, the SB&C, Ltd. was granted a judgment against the consumer in the amount of...

$1,238.86.   
 
On May 6, 2015, the consumer agreed to set up a payment arrangement of $173.25 per week until the judgment balance was paid in full, with her first payment being due May 8, 2015.  The consumer was supposed to call back the next day with her bank routing and account information and make her first payment.  SB&C did not receive a call from her the next day. 
 
On May 12, 2015, SB&C received an email from the consumer stating that she was unable to reach SB&C by phone so she mailed in her first check, and would try to call with her bank account information.  SB&C did not receive a check from the Defendant.
 
On May 28, 2015, a third party came in with a $180.00 money order from the consumer, along with a letter from the consumer stating she had tried to call but was on hold too long or was disconnected, and the speaker on her phone was not working so she could only receive text messages.  The payment was not accepted because the arrangement was in default, and the third party was instructed to advise the consumer to come in to the office to speak with SB&C.
 
It is very important to us that our customers are able to easily reach us by telephone.  As such, we would like to investigate the consumer’s statements of being left on hold 20-30 minutes or disconnected each time she called our office, so we may better assist those calling us.  We would very much appreciate any information the consumer would be willing to provide us about the dates and times she called.
 
No further communication was received from the consumer. Therefore, on June 11, 2015, a Writ of Garnishment for the amount of $1,446.90 was filed with the Court. 
 
 
Sincerely,
 
 
Brett S[redacted]
Office Manager
SB&C, Ltd.

Complaint: [redacted]
I am rejecting this response because: Everything they said is a lie! I am suing SBC due to the significant amount of loss and damages inflicted upon me. 
Sincerely,
[redacted]

Thank you for the opportunity to respond to the consumers concerns on matter [redacted]. Our records show that the consumer was in our office today and has reached an agreement on a monthly payment amount and made a payment today. The case has been noted to not call the consumers spouse at their place...

of employment or cellular phone. I believe all the concerns were addressed today to the consumers satisfaction.Thank you  Brett R. S[redacted]

Hello [redacted],
 
Thank you for the opportunity to respond on this matter.   Our original response is below with some additional comments
 
On April 27, 2015, the SB&C, Ltd. was granted a judgment against the consumer in the amount of $1,238.86.  
 
On May 6, 2015, the consumer agreed to set up a payment arrangement of $173.25 per week until the judgment balance was paid in full, with her first payment being due May 8, 2015.  The consumer was supposed to call back the next day with her bank routing and account information and make her first payment.  SB&C did not receive a call from her the next day.   
 
On May 12, 2015, SB&C received an email from the consumer stating that she was unable to reach SB&C by phone so she mailed in her first check, and would try to call with her bank account information.  SB&C did not receive a check from the Defendant.
 
On our website we state: We can only respond to e–mails from clients who have or wish to assign accounts to us for collection. If you owe money to SB&C or one of its clients and wish to discuss your account please call or write to us at the number/address shown at this site.
 
We ask that they call or contact by mail and in both contacts the consumer failed to do what they had told us putting them in default of the initial agreed upon payment arrangement.
 
On May 28, 2015, a third party came in with a $180.00 money order from the consumer, along with a letter from the consumer stating she had tried to call but was on hold too long or was disconnected, and the speaker on her phone was not working so she could only receive text messages.  The payment was not accepted because the arrangement was in default, and the third party was instructed to advise the consumer to come in to the office to speak with SB&C.  
 
It is very important to us that our customers are able to easily reach us by telephone.  As such, we would like to investigate the consumer’s statements of being left on hold 20-30 minutes or disconnected each time she called our office, so we may better assist those calling us.  We would very much appreciate any information the consumer would be willing to provide us about the dates and times she called.
 
While no documentation was provided supporting the statement of being left on hold for 20-30 minutes and that there was an issue with her phone speaker they could have used another phone to contact us.
 
In the latest response states that we did not try and contact their  at her employer and this is not correct. We did but make attempts and were either transferred to voice mail or on another  attempt that they were in a different building when we called.
 
The main point being that a weekly payment arrangement was agreed upon and then the consumer failed to make the payments for nearly 3 weeks.  When they sent a 3rd party into our office they did not have 3 weeks  of payments with them and we asked that they have the consumer contacts us which they failed to do.
 
If I can provide any other details regarding this matter please let me know.
 
Thank you

Complaint: [redacted]I am rejecting this response because:
While we did reach an agreement I am still not fully satisfied with the outcome.  I was originally told that only 25% of my wages would be taken, however when I went into your office I felt as though I had not choice but to take the agreement of 275.00 coming from each of my paychecks.  I feel as though your company lies a lot.  I signed the agreement against my better judgment. I feel as though you forced my hand and are one of the least understanding collection agencies I have ever dealt with.  Your company handles things with forceful tactics that are unreasonable.  I was more than willing to pay over 200.00 a month towards my account but again I feel as though you are a difficult company to work with.  I am not happy with the arrangements that were made and as I said I feel as though you were forcing me to make the arrangements and were not understanding at all.  You lack compassion and understanding.  You do not have any empathy towards your clients what so ever.
Sincerely,[redacted]