Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below:
When I initially got a
hold of someone at Premier Credit, I was informed that any and all overage would be sent to me directly from ***Now I am getting conflicting information when I contact ***I still have not receive a return call from Premiere Credit for the message left on 08/10/I have since received a refund from *** for $I am currently awaiting a response from my payroll department to ensure that all funds are returned to them to ensure my over-payment is returned to meIt's unfortunate that I would have to escalate it to the Revdex.com before your company responded to my concerns;
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this response/resolution is satisfactory to me. Attached is the proof of the charge as requested by the business, along with the bank's policy that created this charge.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.
Regards,
[redacted]
Thank you for contacting Premiere Credit of North America, LLC (Premiere Credit) regarding the inquiry sent to your office by [redacted]. Premiere Credit is a third party accounts receivable management firm that collects delinquent accounts owed to [redacted]...
[redacted]
Mr. [redacted] complaint states he received a bill from Premiere Credit stating he owed $765.00 to [redacted]. Mr. [redacted] goes on to state that he settled the account in full for $540.00, yet his credit report is still reflecting a delinquent balance of $225.00. Mr. [redacted] requests that we update his credit report and send him a settlement letter.
We have reviewed our system notes and recorded calls. [redacted] placed Mr. [redacted] account with Premiere Credit for collection on January 13, 2015. On June 2, 2015, Mr. [redacted] settled his account with our office for $535.89. His account was coded as settled in full in our system on June 3, 2015, and we have not been attempting to collect on the account since it was closed. We spoke with Mr. [redacted] on August 3, 2015, and a settlement letter was sent directly to Mr. [redacted] on August 5, 2015 at his request. It appears that our system reported the payment to the credit reporting agencies, but the report did not reflect the account as settled. We are unsure why, and are looking further into the issue. In the meantime, we have sent a manual request to the credit reporting agencies to reflect that Mr. [redacted] account has been settled.
If Mr. [redacted] has any questions, I may be reached at my direct line 317-322-[redacted].
Sincerely,
Sarah [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I...
reviewed appear below.
I had made the payment 2 months ago, their insistence after this while to get me pay something that I do not owe is an obvious act of deception and harassment. Unfortunately, the system is laid out in a way that these businesses can easily harass and threaten to damage while the consumer's complaints have near to zero impact on these businesses. The consumer is the party with lower power and should be protected but it is not.I reject this businesses response and demand the demand.
Regards,
[redacted]
Thank you for contacting Premiere Credit of North America, LLC (Premiere Credit) regarding the inquiry sent to your office by Magda M. Sayes. Premiere Credit is a third party accounts receivable management firm that collects accounts owed to Educational Credit Management Corporation ([redacted]). Ms....
Sayes' inquiry states she contacted Premiere Credit in an attempt to get her student loans out of a defaulted status, but she was unable to make the payment outlined to her by the representative. Ms. Sayes is unhappy Premiere Credit sent an order of wage withholding to her employer. Ms. Sayes states that when she called Premiere Credit to resolve the issue, the representative informed her that her account had been recalled by [redacted], and to not worry about the garnishment since Premiere Credit is no longer servicing the loan. However, the garnishment took place anyway. Further, Ms. Sayes' inquiry states that during a conversation with Premiere Credit's Unit Collection Manager, Angela Steward, she was treated in an unprofessional manner, and was also told that her wage garnishment was no longer Premiere Credit's responsibility since the account had been recalled by the client. We have reviewed Ms. Sayes' account and the associated phone calls. Premiere Credit received Ms. Sayes' account from our client, [redacted], for collection on May 12, 2014. Premiere Credit mailed an initial collection notice to Ms. Sayes on May 13, 2014. We immediately began trying to contact Ms. Sayes by phone to arrange voluntary payments to resolve the account, and were able to qualify her for the student loan rehabilitation program on July 14, 2014. The rehabilitation program is a federal program with strict requirements. Ms. Sayes agreed to a payment arrangement, and was advised of the program requirements and necessary paperwork. On January 7, 2015, Ms. Sayes was informed of the possibility of administrative wage garnishment should she fail to meet the requirements of the program. Ms. Sayes did end up failing to maintain eligibility for the program, and Premiere Credit instituted the wage garnishment process. On January 16, 2015, Ms. Sayes was advised there was a possibility she could requalify for the program and get her garnishment reduced. Ms. Sayes was unhappy with her options. Both Premiere Credit and [redacted] seek to voluntarily resolve accounts with consumers before involuntary measures are taken. Because we had been unable to voluntarily resolve Ms. Sayes' account and the Notice Prior to Wage Withholding (NPWW) had been sent notifying her of the upcoming garnishment, an Order of Wage Withholding (OWW) was sent to her employer. However, on April 15, 2015, before Ms. Sayes' employer could return the acknowledgment form, [redacted] recalled Ms. Sayes' account, as it is their policy to recall an account if there are no payments (voluntary or involuntary) received within a six (6) month period. Premiere Credit mailed the AWG release forms to Ms. Sayes' employer on April 15, 2015. On May 1, 2015, we returned the garnishment payments we received to her employer. On May 11, 2015, we faxed another release to Ms. Sayes' payroll department, and on May 12, 2015 we spoke with a representative at her employer to confirm the garnishment was indeed released. We regret that Ms. Sayes' feels she was treated in a non-professional manner by a manager. Premiere Credit strives to provide exceptional services to its consumers. We have coached our manager to be more responsive in the future.Ms. Sayes' account remains inactive in our system and all funds received as a result of the administrative wage garnishment have been returned to her place of employment. [redacted] may place her loans with another agency for collections so we encourage Ms. Sayes to contact [redacted] to work out a resolution to avoid future garnishments. Should further assistance be needed from Premiere Credit, Ms. Sayes may contact our Senior Collection Manager, Kenneth Gregory, at 317-869-2642.Sincerely,Sarah Sipe DeMossConsumer Satisfaction Supervisor317-322-3630
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I am told that Premiere...
Credit of NA attempted to contact me by telephone, but they apparently called while I was at work and never left any messages. This is why I used the email address listed on their website and also sent comments to them on their website's "contact us" page, where I selected "email" as my preferred contact option. Since there was no indication that Premiere Credit of NA could not communicate by email, and their business was closed whenever I was available to communicate by phone, then it was not reasonable for them to refuse to contact me in the manner I chose from their own website. If they have a policy against communicating by email, then Premiere Credit of NA wouldn't have that option on their website. Because Premiere Credit of NA dragged this process out so long and never once instructed me that I could only communicate with them over the phone, the tax levy was completely unnecessary. I am still requesting a refund of the bank fee I was charged due to their easily preventable action.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I...
reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]There response is to tell me to contact the [redacted]? The [redacted] did not wrongfully levy my account. Premiere Credit of North America did. The debt was paid I. Full BEFORE they removed the money from my account. If Premiere Credit is not willing to return my money and reimburse the fees I was charged, my only recourse will be to sue them in small claims.
Regards,
[redacted]
Thank you for contacting Premiere Credit of North America, LLC (Premiere Credit) regarding the inquiry sent to your office by [redacted]. Premiere Credit is a third party accounts receivable management firm contracted by the [redacted]) to collect delinquent tax...
liabilities.
Mr. [redacted] states in his inquiry that he was told by [redacted] that his liabilities are no longer owed. It appears Mr. [redacted] filed his Revdex.com inquiry on June 19, 2015. We have spoken with Mr. [redacted] several times after he filed his inquiry. Since the filing of his inquiry, we have confirmed with our client that a liability for tax year 2008, in the amount of $1,031.61, is still outstanding. Mr. [redacted] has been working directly with our Senior Collection Manager, Dustin D[redacted]. Mr. [redacted] has worked out a payment arrangement with our office that includes a partial release of the levy placed on his bank account. The partial release was sent to his bank on June 25, 2015, and we believe Mr. [redacted]'s concerns have now been adequately addressed. Mr. [redacted] may continue to work directly with our manager, Dustin D[redacted], at his direct line 317-4766[redacted].
Sincerely,
Sarah [redacted]
Consumer Satisfaction Supervisor
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Everything said in that letter is...
a lie. I have received NOTHING in writing from them and have requested several times a copy of the letter they say they wrote me and a letter stating what they intended to do as far as by bank account and they refused. They are the ones who will not answer phone calls. I can not believe the State of Indiana would hire such sleazy unprofessional people. It is unbelievable!!! how these people lie and treat people because they think they have power. I'm Shocked I don't know what else to do but see an attorney.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. AS LONG AS MY MONEY IS BEING RETURNED IN FULL!!!!!
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I...
reviewed appear below.
I was informed by Premiere Credit that all my options were not told to me. I was not made aware of all my options and call was not a thorough explanation of the happenings that would take part in future dates. The people collecting debt should be trained to notify. There was not a date nor further information given after I told the debt collector that my account would be paid in full. Furthermore, there was only one attempt made and that attempt was unsuccessful because they did NOT do their job and communicate the script. I want this removed off my credit
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I...
reviewed appear below.My Power of Attorney [redacted] placed no fewer than 30 calls to Premier in an effort to make payment arrangements. My POA was passed from person to person on the few times he actually got thought to a human being. When he proposed payment arrangements, Premier rejected them. How is that trying to reach an agreement? Premier flatly ignored my POA and tried to reach me when I was unreachable. That is the entire reason for a POA. This is nothing short of bullying and intimidation on the part of Premier Credit, LLC. I would imagine that is why there are nearly 1,000 complaints against them in the Revdex.com. Premier Credit is not interested in working with taxpayers. A representative from the IDOR told me on the condition of anonymity that Premier Credit is exceedingly difficult to work with... Regardless of what "right" Preimer has been given by the state of Indiana, its behavior borders on the unethical by making it impossible for a willing taxpayer to make right on their debt without destroying them financially.
Regards,
[redacted]
I only want them to contact pepole by mail or leave a phone message. I was told by the supervisor that they cant leave a phone message if you dont have your full name on your recording. As I only have my first name on mine they couldnt leave message.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
There was no response aimed...
at me. All you send me was a copy of my original complaint and the letter that you sent to Premier Credit. I believe you sent me the wrong attachment? There is nothing addressed to me. It is addressed to someone else ABOUT me. There is no resolution stated at all. If you could resend the actual letter that is addressed to me so I can review it, that would be great.Thank you.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Regards,
[redacted] Public records are a part of your credit report and it should be correct, the way they are reporting it looks like I owe ten years of taxes and its not true. Please see if they will fix it. I am trying to do right, I don't owe hundreds of thousand of dollars why can't they get it right?
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below:
When I initially got a
hold of someone at Premier Credit, I was informed that any and all overage would be sent to me directly from ***Now I am getting conflicting information when I contact ***I still have not receive a return call from Premiere Credit for the message left on 08/10/I have since received a refund from *** for $I am currently awaiting a response from my payroll department to ensure that all funds are returned to them to ensure my over-payment is returned to meIt's unfortunate that I would have to escalate it to the Revdex.com before your company responded to my concerns;
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this response/resolution is satisfactory to me. Attached is the proof of the charge as requested by the business, along with the bank's policy that created this charge.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.
Regards,
[redacted]
Thank you for contacting Premiere Credit of North America, LLC (Premiere Credit) regarding the inquiry sent to your office by [redacted]. Premiere Credit is a third party accounts receivable management firm that collects delinquent accounts owed to [redacted]...
[redacted]
Mr. [redacted] complaint states he received a bill from Premiere Credit stating he owed $765.00 to [redacted]. Mr. [redacted] goes on to state that he settled the account in full for $540.00, yet his credit report is still reflecting a delinquent balance of $225.00. Mr. [redacted] requests that we update his credit report and send him a settlement letter.
We have reviewed our system notes and recorded calls. [redacted] placed Mr. [redacted] account with Premiere Credit for collection on January 13, 2015. On June 2, 2015, Mr. [redacted] settled his account with our office for $535.89. His account was coded as settled in full in our system on June 3, 2015, and we have not been attempting to collect on the account since it was closed. We spoke with Mr. [redacted] on August 3, 2015, and a settlement letter was sent directly to Mr. [redacted] on August 5, 2015 at his request. It appears that our system reported the payment to the credit reporting agencies, but the report did not reflect the account as settled. We are unsure why, and are looking further into the issue. In the meantime, we have sent a manual request to the credit reporting agencies to reflect that Mr. [redacted] account has been settled.
If Mr. [redacted] has any questions, I may be reached at my direct line 317-322-[redacted].
Sincerely,
Sarah [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I...
reviewed appear below.
I had made the payment 2 months ago, their insistence after this while to get me pay something that I do not owe is an obvious act of deception and harassment. Unfortunately, the system is laid out in a way that these businesses can easily harass and threaten to damage while the consumer's complaints have near to zero impact on these businesses. The consumer is the party with lower power and should be protected but it is not.I reject this businesses response and demand the demand.
Regards,
[redacted]
Thank you for contacting Premiere Credit of North America, LLC (Premiere Credit) regarding the inquiry sent to your office by Magda M. Sayes. Premiere Credit is a third party accounts receivable management firm that collects accounts owed to Educational Credit Management Corporation ([redacted]). Ms....
Sayes' inquiry states she contacted Premiere Credit in an attempt to get her student loans out of a defaulted status, but she was unable to make the payment outlined to her by the representative. Ms. Sayes is unhappy Premiere Credit sent an order of wage withholding to her employer. Ms. Sayes states that when she called Premiere Credit to resolve the issue, the representative informed her that her account had been recalled by [redacted], and to not worry about the garnishment since Premiere Credit is no longer servicing the loan. However, the garnishment took place anyway. Further, Ms. Sayes' inquiry states that during a conversation with Premiere Credit's Unit Collection Manager, Angela Steward, she was treated in an unprofessional manner, and was also told that her wage garnishment was no longer Premiere Credit's responsibility since the account had been recalled by the client. We have reviewed Ms. Sayes' account and the associated phone calls. Premiere Credit received Ms. Sayes' account from our client, [redacted], for collection on May 12, 2014. Premiere Credit mailed an initial collection notice to Ms. Sayes on May 13, 2014. We immediately began trying to contact Ms. Sayes by phone to arrange voluntary payments to resolve the account, and were able to qualify her for the student loan rehabilitation program on July 14, 2014. The rehabilitation program is a federal program with strict requirements. Ms. Sayes agreed to a payment arrangement, and was advised of the program requirements and necessary paperwork. On January 7, 2015, Ms. Sayes was informed of the possibility of administrative wage garnishment should she fail to meet the requirements of the program. Ms. Sayes did end up failing to maintain eligibility for the program, and Premiere Credit instituted the wage garnishment process. On January 16, 2015, Ms. Sayes was advised there was a possibility she could requalify for the program and get her garnishment reduced. Ms. Sayes was unhappy with her options. Both Premiere Credit and [redacted] seek to voluntarily resolve accounts with consumers before involuntary measures are taken. Because we had been unable to voluntarily resolve Ms. Sayes' account and the Notice Prior to Wage Withholding (NPWW) had been sent notifying her of the upcoming garnishment, an Order of Wage Withholding (OWW) was sent to her employer. However, on April 15, 2015, before Ms. Sayes' employer could return the acknowledgment form, [redacted] recalled Ms. Sayes' account, as it is their policy to recall an account if there are no payments (voluntary or involuntary) received within a six (6) month period. Premiere Credit mailed the AWG release forms to Ms. Sayes' employer on April 15, 2015. On May 1, 2015, we returned the garnishment payments we received to her employer. On May 11, 2015, we faxed another release to Ms. Sayes' payroll department, and on May 12, 2015 we spoke with a representative at her employer to confirm the garnishment was indeed released. We regret that Ms. Sayes' feels she was treated in a non-professional manner by a manager. Premiere Credit strives to provide exceptional services to its consumers. We have coached our manager to be more responsive in the future.Ms. Sayes' account remains inactive in our system and all funds received as a result of the administrative wage garnishment have been returned to her place of employment. [redacted] may place her loans with another agency for collections so we encourage Ms. Sayes to contact [redacted] to work out a resolution to avoid future garnishments. Should further assistance be needed from Premiere Credit, Ms. Sayes may contact our Senior Collection Manager, Kenneth Gregory, at 317-869-2642.Sincerely,Sarah Sipe DeMossConsumer Satisfaction Supervisor317-322-3630
Attached is our response to the [redacted] inquiry. Please note that Premiere Credit does not agree to public posting of responses.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I am told that Premiere...
Credit of NA attempted to contact me by telephone, but they apparently called while I was at work and never left any messages. This is why I used the email address listed on their website and also sent comments to them on their website's "contact us" page, where I selected "email" as my preferred contact option. Since there was no indication that Premiere Credit of NA could not communicate by email, and their business was closed whenever I was available to communicate by phone, then it was not reasonable for them to refuse to contact me in the manner I chose from their own website. If they have a policy against communicating by email, then Premiere Credit of NA wouldn't have that option on their website. Because Premiere Credit of NA dragged this process out so long and never once instructed me that I could only communicate with them over the phone, the tax levy was completely unnecessary. I am still requesting a refund of the bank fee I was charged due to their easily preventable action.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I...
reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]There response is to tell me to contact the [redacted]? The [redacted] did not wrongfully levy my account. Premiere Credit of North America did. The debt was paid I. Full BEFORE they removed the money from my account. If Premiere Credit is not willing to return my money and reimburse the fees I was charged, my only recourse will be to sue them in small claims.
Regards,
[redacted]
Business Requested Response to Not be Published.
Thank you for contacting Premiere Credit of North America, LLC (Premiere Credit) regarding the inquiry sent to your office by [redacted]. Premiere Credit is a third party accounts receivable management firm contracted by the [redacted]) to collect delinquent tax...
liabilities.
Mr. [redacted] states in his inquiry that he was told by [redacted] that his liabilities are no longer owed. It appears Mr. [redacted] filed his Revdex.com inquiry on June 19, 2015. We have spoken with Mr. [redacted] several times after he filed his inquiry. Since the filing of his inquiry, we have confirmed with our client that a liability for tax year 2008, in the amount of $1,031.61, is still outstanding. Mr. [redacted] has been working directly with our Senior Collection Manager, Dustin D[redacted]. Mr. [redacted] has worked out a payment arrangement with our office that includes a partial release of the levy placed on his bank account. The partial release was sent to his bank on June 25, 2015, and we believe Mr. [redacted]'s concerns have now been adequately addressed. Mr. [redacted] may continue to work directly with our manager, Dustin D[redacted], at his direct line 317-4766[redacted].
Sincerely,
Sarah [redacted]
Consumer Satisfaction Supervisor
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Everything said in that letter is...
a lie. I have received NOTHING in writing from them and have requested several times a copy of the letter they say they wrote me and a letter stating what they intended to do as far as by bank account and they refused. They are the ones who will not answer phone calls. I can not believe the State of Indiana would hire such sleazy unprofessional people. It is unbelievable!!! how these people lie and treat people because they think they have power. I'm Shocked I don't know what else to do but see an attorney.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. AS LONG AS MY MONEY IS BEING RETURNED IN FULL!!!!!
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I...
reviewed appear below.
I was informed by Premiere Credit that all my options were not told to me. I was not made aware of all my options and call was not a thorough explanation of the happenings that would take part in future dates. The people collecting debt should be trained to notify. There was not a date nor further information given after I told the debt collector that my account would be paid in full. Furthermore, there was only one attempt made and that attempt was unsuccessful because they did NOT do their job and communicate the script. I want this removed off my credit
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I...
reviewed appear below.My Power of Attorney [redacted] placed no fewer than 30 calls to Premier in an effort to make payment arrangements. My POA was passed from person to person on the few times he actually got thought to a human being. When he proposed payment arrangements, Premier rejected them. How is that trying to reach an agreement? Premier flatly ignored my POA and tried to reach me when I was unreachable. That is the entire reason for a POA. This is nothing short of bullying and intimidation on the part of Premier Credit, LLC. I would imagine that is why there are nearly 1,000 complaints against them in the Revdex.com. Premier Credit is not interested in working with taxpayers. A representative from the IDOR told me on the condition of anonymity that Premier Credit is exceedingly difficult to work with... Regardless of what "right" Preimer has been given by the state of Indiana, its behavior borders on the unethical by making it impossible for a willing taxpayer to make right on their debt without destroying them financially.
Regards,
[redacted]
I only want them to contact pepole by mail or leave a phone message. I was told by the supervisor that they cant leave a phone message if you dont have your full name on your recording. As I only have my first name on mine they couldnt leave message.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
There was no response aimed...
at me. All you send me was a copy of my original complaint and the letter that you sent to Premier Credit. I believe you sent me the wrong attachment? There is nothing addressed to me. It is addressed to someone else ABOUT me. There is no resolution stated at all. If you could resend the actual letter that is addressed to me so I can review it, that would be great.Thank you.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Regards,
[redacted] Public records are a part of your credit report and it should be correct, the way they are reporting it looks like I owe ten years of taxes and its not true. Please see if they will fix it. I am trying to do right, I don't owe hundreds of thousand of dollars why can't they get it right?