S & S Meats

Our office is in receipt of the complaint filed by Mr [redacted] We greatly appreciate this opportunity to respond Please be advised that we cannot locate the files in question with the information that has been provided to CCS as part of Mr [redacted] ’s complaintIf Mr [redacted] could please provide us with copy of letters from CCS indicating a file number, or a copy of his credit report with both accounts listed by CCS, we would be happy to investigate his concerns furtherIf he could please upload this information to the Revdex.com’s complaint portal we would appreciate itWe trust this resolves your concerns

Our office is in receipt of the complaint filed by Ms [redacted] ***We greatly appreciate this opportunity to respondMs [redacted] disputes owing a balance to her former insurance company (our creditor-client)Please be advised that we have forwarded a copy of this complaint to our client to review and they have advised us that if Ms [redacted] can provide documentation for proof of coverage with another carrier, then they can review the documentation to determine if the policy cancellation date should be backdated accordinglyNotwithstanding the above, we have closed this account with our office and Ms [redacted] will hear nothing further from us in regard to itWe trust this resolves your concerns

Our office is in receipt of the complaint filed by Mr [redacted] ***We greatly appreciate this opportunity to respond Mr [redacted] indicates that he does not recognize the debt in question Please be assured that our client placed this account in our office for collections on 06/24/ in the amount of $ The account in question revolves around an insurance policy that cancelled on 11/25/When the policy cancelled there was still a balance due for insurance provided from the date of last payment through the cancellation dateThat being said, we have closed these accounts with our office and are instructing the Credit Reporting Agency (CRA) to delete the accountsPlease note that we cannot control the speed in which the CRA acts upon our request and we recommend giving them at least thirty (30) days to update their records We trust this resolves your concerns

Our office is in receipt of the complaint filed by Mr [redacted] We greatly appreciate this opportunity to respond It does not appear that Mr [redacted] ’s complaint is with CCS’ handling of the accountInstead, he disputes owing a balance to our creditor-client because he switched to another insurance carrierIf Mr [redacted] would be willing to send us a copy of the declarations page from his new insurance carrier that was in effect on 2/10/16, we would be happy to forward the documentation to our client to determine if an adjustment is dueNotwithstanding, we have closed this account with our office We trust this resolves your concerns

Our office is in receipt of the complaint filed by Ms [redacted] ***We greatly appreciate the opportunity to respondContrary to Ms***’s assertion, please be assured that all of the required disclosures were sent to her in writing on 08/10/and again on12/01/In fact, we have sent several letters since then and have no reason to believe she did not receive our letters because the letters were not returned by the post office as undeliverableFurthermore, please be assured that we never received any request from Ms [redacted] for validation of the debtNotwithstanding, we have closed this account is closed with our office and the CRAs are being instructed to delete the accountPlease note that we cannot control the speed in which the CRAs act upon our request and we recommend giving them at least thirty (30) days to update their records We trust this resolves your concerns

Our office is in receipt of the complaint filed by Ms [redacted] We greatly appreciate this opportunity to respond Please be advised that the very same concerns were raised on behalf of Ms [redacted] in a separate complaint filed with the Consumer Financial Protection Bureau (CFPB)In response to that complaint we advised that contrary to Ms [redacted] ’s assertion, please be assured that we did provide her with notice that the account was scheduled to be reported to the Credit Reporting Agencies (CRAs) prior to our sending the account to the CRAsWe have no reason to believe she did not receive our correspondence because the letter was sent to the same address listed in her complaint and the letter was not returned by the post office as undeliverableMs [redacted] also indicates the account was reported to the CRAs after she settled the account with our office on 6/1/Please be assured that the account was first reported to the CRAs before payment was received on the accountAs a courtesy, we have instructed the Credit Reporting Agency (CRA) to delete the accountPlease note that we cannot control the speed in which the CRA acts upon our request and we recommend giving them at least thirty (30) days to update their recordsWe trust this resolves your concerns

Our office is in receipt of the complaint filed by Mr [redacted] We greatly appreciate this opportunity to respond Please be advised that the very same concerns were raised on behalf of Mr [redacted] in a separate complaint filed with the Consumer Financial Protection Bureau (CFPB)In response to that complaint we advised Mr [redacted] indicates that CCS violated the FCRA, but provides no basis for that assertionIf Mr [redacted] could please provide us with additional information to support that assertion, then we would be happy to reconsider this furtherThat being said, we have closed this account with our office and the Credit Reporting Agencies (CRAs) were instructed to delete the accountPlease note that we cannot control the speed in which the CRAs will act upon our request and recommend giving them at least thirty (30) days to update their recordsAnother concern of Mr [redacted] is that he alleges CCS did not provide him with an opportunity to dispute the debt through a dunning letterContrary to his assertion, we did send him several letters, including a letter that included his validation rightsWe have no reason to believe he did not receive our letters because the letters were not returned by the post office as undeliverableFinally, Mr [redacted] indicates that CCS’ attorney contacted him via email outside of the times permitted under the FDCPAWe would first like to point out that the person Mr [redacted] contacted is not an employee of CCS; he contacted our outside General Counsel at an email address that is not owned or operated by CCSFurthermore, our outside counsel was not emailing Mr [redacted] regarding a debt collection matter, so the FDCPA and its time restrictions were not applicableWe trust this resolves your concerns

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Please add your rejection comments below The letter sent to my home from this so-called collection company was address to Mr***, not Mrs***It also made no mention of whom they were representing or what the debt was in lue of, which I'm sure is illegal and violates a few consumer rights actsSo it seems incredibly unlikely that I nor anyone in my family was involved in this event which makes sending a bogus demand letter to my home a direct violation of the FDCPA collection acts and practicesI do not accept this response because the company is trying to deny ties to another division within its company hence trying to duck responsibility for sending out a bogus claim letter violating my rights as a consumerSo an apology letter to Mr [redacted] is still in order! Regards, [redacted] ***

Our office is in receipt of the complaint filed by Mr [redacted] ***We greatly appreciate this opportunity to respondPlease be advised Mr [redacted] disputes owing a balance to our creditor-clientMr [redacted] indicates he previously paid the account directly to our clientOn 11/28/Mr*** submitted proof of payment via our website which was sent to our creditor-client to reviewPlease be advised that this account is closed with our office and we have forwarded a copy of the complaint to our creditor-client to reviewWe trust this resolves your concerns

Our office is in receipt of the complaint filed by Ms [redacted] ***We greatly appreciate this opportunity to respond As a preliminary matter, please be advised that Ms [redacted] was not being contacted by Credit Collection ServicesInstead, she was being contacted by Credit Collection Services CommercialPlease also note that this matter revolves around a subrogation matter, not a consumer debt Notwithstanding the above, we have agreed with Ms***’s request to stop contacting her regarding this matterPlease be advised that our client previously instructed us to close this fileThe file was immediately closed with our office and Ms [redacted] will hear nothing further from us in regard to this matter We trust this resolves your concerns

Our office is in receipt of the complaint filed by Ms [redacted] We greatly appreciate this opportunity to respond Although Ms [redacted] paid the account in March 2016, he apparently disputed the payment with his credit card company and we were notified of a chargeback of the payment in April Therefore, the balance is still dueNotwithstanding, we have closed this account with our office and forwarded a copy of the complaint to our client to review We trust this resolves your concerns

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Please add your rejection comments below [I need to have automatic payments coming out of my checking accountWhy isn't that an option?.] Regards, [redacted] ***

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Please add your rejection comments below Regards, [redacted] ***

Our office is in receipt of the complaint filed by Mr [redacted] We greatly appreciate this opportunity to respondMr [redacted] disputes owing a balance to our creditor-clientPlease be advised that the account in question revolves around an insurance policy that cancelled on 09/23/due to nonpaymentWhen the policy cancelled there was still a balance due for insurance provided from the date of last payment through the cancellation dateThat being said, we have agreed with Mr [redacted] ’s request and cease collectionsAccordingly, we have closed the file with our office and are instructing the Credit Reporting Agency (CRA) to delete the accountPlease note that we cannot control the speed in which the CRA acts upon our request and recommend giving them at least thirty (30) days to update their recordsWe trust this resolves your concerns

Our office is in receipt of the complaint filed by Ms [redacted] We greatly appreciate the opportunity to respondPlease be advised that the account in question revolves around an insurance policy that cancelled on 01/28/When the policy cancelled there was still a balance due for insurance provided until the cancellation dateWhen Ms [redacted] requested validation, we immediately placed the account on hold and requested validation of the account from our creditor-clientNotwithstanding, we have closed the account with our office and forwarded a copy of the complaint to our client to reviewWe have also instructed the Credit Reporting Agencies (CRA) to delete the accountPlease note that we cannot control the speed in which the CRA acts upon our request and recommend giving them at least thirty (30) days to update their records We trust this resolved your concerns

Our office is in receipt of the complaint filed by Ms [redacted] ***We greatly appreciate this opportunity to respond The account in question revolves around an insurance policy that cancelled on 12/28/due to nonpaymentWhen the policy cancelled there was still a balance due for insurance coverage provided from the date of last payment through the cancellation dateHowever, if Ms [redacted] would send us a copy the declarations page from her new insurance company, we would be happy to forward the documentation to our client to determine if an adjustment is dueNotwithstanding the above, please be advised that we have closed this account with our office forwarded a copy of the complaint to our client to reviewAs a courtesy, we have instructed the Credit Reporting Agency (CRA) to delete the accountPlease note that we cannot control the speed in which the CRA acts upon our request and we recommend giving at least thirty (30) days to update their records We trust this resolves your concerns

Our office is in receipt of the complaint filed by Ms [redacted] We greatly appreciate this opportunity to respondAs a preliminary matter, please be assured that our telephone agent was polite and professionalMs [redacted] also indicates that our agent refused to provide her name, but at the very beginning of the call our agent provided her name and it was not requested from Ms [redacted] at any point during the callNotwithstanding the above, we have agreed with Ms [redacted] ’s request to stop contacting her regarding this matterAccordingly, we have closed the account with our office and returned them to our creditor-clientWe trust this resolves your concerns

Our office is in receipt of the complaint filed by Mr*** [redacted] We greatly appreciate this opportunity to respond It appears Mr [redacted] ’s concerns are not with CCS’ handling of the accountInstead, he disputes owing a balance to our creditor-clientAccordingly, we have closed this account with our office and forwarded a copy of the complaint to our client to review We trust this resolves your concerns

Our office is in receipt of the complaint filed by Ms [redacted] We greatly appreciate this opportunity to respond As a preliminary matter, please be advised that we have agreed with Ms [redacted] ’s request to cease and desistFurthermore, we did not send this account to any Credit Reporting Agency (CRA) Please be assured that our creditor-client placed this account with our office under Ms [redacted] ’s responsibility Contrary to her assertion, her account was immediately placed on hold upon receipt of her correspondence and verification of the account was subsequently sent to her Ms [redacted] previously indicated that her insurance was paid in fullAlthough we have closed this account with our office, we would be happy to forward any documentation Ms [redacted] may have showing the account is paid to our creditor-client if she could send it to us We trust this resolves your concerns

Our office is in receipt of the complaint filed by Mr [redacted] ***We greatly appreciate this opportunity to respond Mr [redacted] indicates the two accounts in question were reported as a paid collection and appear on his credit reportContrary to Mr [redacted] concerns, please be advised that the Credit Reporting Agencies (CRAs) was instructed to delete both accountsWe have no reason to believe the CRAs did not act upon our previous request and would ask that Mr [redacted] please provide us with a copy of his credit reporting showing both accounts in question still being listedWe trust this resolves your concerns