TCC Credit Consulting

Complaint: [redacted] I am rejecting this response because: Regards, [redacted] The process was indeed to take days this was back in FebruaryWe informed the business that we are in the process of buying a home and he assured of this time frameThe judgement on [redacted] credit remains the sameMy credit remains untouchedIt's been months! This business doesn't reply back to emails, messages or callsI'm surprised they responded to thisI was also told that they would respond to the court on my behalf, which they LIED aboutI have an email proving this See attached: Move to Inbox More of Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Collapse all Expand all Print all In new window [redacted] Inbox x [redacted] Mar to [redacted] I recently just received a lawsuit notice from my student loanI have to file a notion and reply to the documentsI am a bit confused of what to doI thought we were negotiating something with this company? Please call me at your earliest convenience [redacted] m Mar to me We started working the file about a month ago so its like opening a can of wormsForward me the documents you received and we can stop that process Thanks Owens M [redacted] TCC Credit Consulting [redacted] Mar to om [redacted] I will forward you everything tomorrowI will fax it over and give you a call to make sure you received them all Sent from my iPhone We started working the file about a month ago so its like opening a can of wormsForward me the documents you received and we can stop that process Thanks Owens M [redacted] TCC Credit Consulting [redacted] -------- Original Message -------- Subject: [redacted] From: [redacted] Date: Thu, March 05, 11:am To: "" , "" I recently just received a lawsuit notice from my student loanI have to file a notion and reply to the documentsI am a bit confused of what to doI thought we were negotiating something with this company? Please call me at your earliest convenience [redacted] Mar to me good morning, I just read your emailcan you please send me the paperwork pleasewe will take care of it [redacted] ***----- Original Message -------- Subject: [redacted] From: [redacted] Date: Thu, March 05, 9:am To: "" , "" I recently just received a lawsuit notice from my student loanI have to file a notion and reply to the documentsI am a bit confused of what to doI thought we were negotiating something with this company? Please call me at your earliest convenience973-901- Sasha Mar to carola I will fax it to you in a fewWill call you to confirm you received it Sent from my iPhone good morning, I just read your emailcan you please send me the paperwork pleasewe will take care of it [redacted] -------- Original Message -------- Subject: [redacted] From: [redacted] Date: Thu, March 05, 9:am To: "" , "" I recently just received a lawsuit notice from my student loanI have to file a notion and reply to the documentsI am a bit confused of what to doI thought we were negotiating something with this company? Please call me at your earliest convenience [redacted] ***la I just faxed itDid you receive? Sent from my iPhone On Mar 6, 2015, at 9:AM, wrote: good morning, I just read your emailcan you please send me the paperwork pleasewe will take care of it [redacted] -------- Original Message -------- Subject: [redacted] From: [redacted] Date: Thu, March 05, 9:am To: "" , "" I recently just received a lawsuit notice from my student loanI have to file a notion and reply to the documentsI am a bit confused of what to doI thought we were negotiating something with this company? Please call me at your earliest convenience [redacted] Mar to me got it, as soon as owens geits in I will let him review it and send the notion [redacted] Mar to carola Ok thank you! Let me know if you need me for anything:) Sent from my iPhone got it, as soon as owens geits in I will let him review it and send the notion [redacted]

The actual amount of time required to complete this process will depend greatly on the number of items which can be properly and lawfully disputed, as well as, how promptly you forward correspondence from the credit reporting agencies to TCCWe can not, in any way, guarantee the results of our credit repair services, nor do we offer any refunds once services have been providedPlease see our Refund Policy below for additional information

We are currently and continue to work on the clients credit file I have provided a copy of the agreement and results of our credit repair services We have never claimed we will have the file completed in days but that we will see changes to the file If the clients receives
court complaints we will do our best to help but can not provied legal services due to the fact that we are not attorneys Not sure why the consumer *** ***) claims we have done nothing to her credit file as if we are not performing our duties again I have attached the proof and the agreement She should not be making accusations

We have worked continuously with the client but the client does not pay her credit cards on time therefore not permitting the score to go up Also Client fell back months on the student loans causing the score to drop over points We paid collection agencies and they have supplied
her with evidence of satisfaction Client needs to pay her bills on time Also client has just received new medical collection Again we cannot be responsible for the consumers responsibility

Complaint: ***
I am rejecting this response because:
This company has refused to work with me! Paid my bills late when payment was given back to him in April and the payments for credit cards were paid in August! I received several notices from the creditors that my payment arrangement was brokenThat was his doing!! When I called to talk to him, he didn't pick up his phone or call me back! HE is an irresponsible business man! I have been there when other clients have complained of him not returning calls like he did with meMy loans were in deferment and he was aware of that because I explained that to him! I have paid my other credit cards on time so now he is lying about that! I had to send someone there on my behalf to resolve the issues At hand because he refused to answer my calls or emails The person there on my behalf also explained to him that he should have returned my calls and he admitted to that person he didn't ! And Owens was also late to the appointment when the person on my behalf went, and late being an hour! He plays games with people and avoids situations when he knows the people are irate with him! In one text he claimed to have stated he would call me in minutes which I have proof of , and he never called at all! I also see there is another complaint on here as well! He has bad business ethics and turns things on his clients because he refuses to take responsibility for his actionsI have paid for the services and the results were horrific The only reason there was confirmation of paid and unpaid bills was because the person I send there on my behalf, stood there for hours to make sure he confirmed that payments were made! And in that time frame, it was discovered that he made late payments and non payment of a bill that was paid the same day of that person being there for me! Owens M***s needs to assume responsibility of his actions and be a professional and attend his clients for the services that they have paid for!
Regards,
*** ***

Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]
The process was indeed to take 45 days this was back in February. We informed the business that we are in the process of buying a home and he assured of this time frame. The judgement on [redacted] credit remains the same. My credit remains untouched. It's been months! This business doesn't reply back to emails, messages or calls. I'm surprised they responded to this. I was also told that they would respond to the court on my behalf, which they LIED about. I have an email proving this.
See attached:
Move to Inbox

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[redacted]


Inbox
x [redacted]

Mar 5



to [redacted]


I recently just received a lawsuit notice from my student loan. I have to file a notion and reply to the documents. I am a bit confused of what to do. I thought we were negotiating something with this company? Please call me at your earliest convenience. [redacted]m

Mar 5



to me


We started working the file about a month ago so its like opening a can of worms. Forward me the documents you received and we can stop that process.
Thanks
Owens M[redacted]
TCC Credit Consulting
[redacted]

Mar 5



to om[redacted]


I will forward you everything tomorrow. I will fax it over and give you a call to make sure you received them all.
Sent from my iPhone
We started working the file about a month ago so its like opening a can of worms. Forward me the documents you received and we can stop that process.
Thanks
Owens M[redacted]
TCC Credit Consulting [redacted]
-------- Original Message --------
Subject: [redacted]
From: [redacted]
Date: Thu, March 05, 2015 11:23 am
To: "" ,
""
I recently just received a lawsuit notice from my student loan. I have to file a notion and reply to the documents. I am a bit confused of what to do. I thought we were negotiating something with this company? Please call me at your earliest convenience. [redacted]

Mar 6



to me


good morning, I just read your email. can you please send me the paperwork please. we will take care of it.
[redacted]----- Original Message --------
Subject: [redacted]
From: [redacted]
Date: Thu, March 05, 2015 9:23 am
To: "" ,
""
I recently just received a lawsuit notice from my student loan. I have to file a notion and reply to the documents. I am a bit confused of what to do. I thought we were negotiating something with this company? Please call me at your earliest convenience. 973-901-6223





Sasha

Mar 6



to carola


I will fax it to you in a few. Will call you to confirm you received it.
Sent from my iPhone
good morning, I just read your email. can you please send me the paperwork please. we will take care of it.
[redacted]


-------- Original Message --------
Subject: [redacted]
From: [redacted]
Date: Thu, March 05, 2015 9:23 am
To: "" ,
""
I recently just received a lawsuit notice from my student loan. I have to file a notion and reply to the documents. I am a bit confused of what to do. I thought we were negotiating something with this company? Please call me at your earliest convenience. [redacted]la


I just faxed it. Did you receive?
Sent from my iPhone
On Mar 6, 2015, at 9:47 AM, wrote:

good morning, I just read your email. can you please send me the paperwork please. we will take care of it.
[redacted]


-------- Original Message --------
Subject: [redacted]
From: [redacted]
Date: Thu, March 05, 2015 9:23 am
To: "" ,
""
I recently just received a lawsuit notice from my student loan. I have to file a notion and reply to the documents. I am a bit confused of what to do. I thought we were negotiating something with this company? Please call me at your earliest convenience. [redacted]

Mar 6



to me


got it, as soon as owens geits in I will let him review it and send the notion.
[redacted]

Mar 6



to carola


Ok thank you! Let me know if you need me for anything. :)
Sent from my iPhone
got it, as soon as owens geits in I will let him review it and send the notion. [redacted]

The actual amount of time required to complete this process will depend greatly on the number of items which can be properly and lawfully disputed, as well as, how promptly you forward correspondence from the credit reporting agencies to TCC. We can not, in any way, guarantee the results of our credit repair services, nor do we offer any refunds once services have been provided. Please see our Refund Policy below for additional information.

Review: We hired the service to fix a few problems on our credit report. The procedure was suppose to take 45 days this was back in February 2015. I have received letters from the bureaus and have forward them to this company. We are in the process of buying a home and needed our reports to be fixed for this matter. Our reports are still the same and I have contacted this company numerous amounts of times for an update and they never returned my calls or emails. They are very unprofessional. Another thing, I received a notice from a student loan trying to take me to court I had 15 days to response I advised this service, the receptionist told me to forward them the documents, confirmed they received and said they will answer the notion. Later on I received a notice from the court saying my paperwork was never answered. I'm waiting for a court date on this matter. They didn't do their job and lied about doing something they didn't do. I'm very disappointed.Desired Settlement: I need to know what's going on with my documents, they have access to my personal information and I am seeing NO RESULTS. I want them to take responsibility for the notion I received and they said they would take care of.

Business

Response:

We are currently and continue to work on the clients credit file. I have provided a copy of the agreement and results of our credit repair services. We have never claimed we will have the file completed in 45 days but that we will see changes to the file. If the clients receives court complaints we will do our best to help but can not provied legal services due to the fact that we are not attorneys. Not sure why the consumer [redacted]) claims we have done nothing to her credit file as if we are not performing our duties. again I have attached the proof and the agreement. She should not be making false accusations.

Consumer

Response:

Review: [redacted]

I am rejecting this response because:

Regards,

The process was indeed to take 45 days this was back in February. We informed the business that we are in the process of buying a home and he assured of this time frame. The judgement on [redacted] credit remains the same. My credit remains untouched. It's been months! This business doesn't reply back to emails, messages or calls. I'm surprised they responded to this. I was also told that they would respond to the court on my behalf, which they LIED about. I have an email proving this.

See attached:

Move to Inbox

More

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Inbox

x [redacted]

Mar 5

to [redacted]

I recently just received a lawsuit notice from my student loan. I have to file a notion and reply to the documents. I am a bit confused of what to do. I thought we were negotiating something with this company? Please call me at your earliest convenience. [redacted]m

Mar 5

to me

We started working the file about a month ago so its like opening a can of worms. Forward me the documents you received and we can stop that process.

Thanks

Owens M[redacted]

TCC Credit Consulting

Mar 5

to om[redacted]

I will forward you everything tomorrow. I will fax it over and give you a call to make sure you received them all.

Sent from my iPhone

We started working the file about a month ago so its like opening a can of worms. Forward me the documents you received and we can stop that process.

Thanks

Owens M[redacted]

TCC Credit Consulting [redacted]

-------- Original Message --------

Subject: [redacted]

From: [redacted]

Date: Thu, March 05, 2015 11:23 am

To: "" ,

""

I recently just received a lawsuit notice from my student loan. I have to file a notion and reply to the documents. I am a bit confused of what to do. I thought we were negotiating something with this company? Please call me at your earliest convenience. [redacted]

Mar 6

to me

good morning, I just read your email. can you please send me the paperwork please. we will take care of it.

[redacted]----- Original Message --------

Subject: [redacted]

From: [redacted]

Date: Thu, March 05, 2015 9:23 am

To: "" ,

""

I recently just received a lawsuit notice from my student loan. I have to file a notion and reply to the documents. I am a bit confused of what to do. I thought we were negotiating something with this company? Please call me at your earliest convenience. 973-901-6223

Sasha

Mar 6

to carola

I will fax it to you in a few. Will call you to confirm you received it.

Sent from my iPhone

good morning, I just read your email. can you please send me the paperwork please. we will take care of it.

-------- Original Message --------

Subject: [redacted]

From: [redacted]

Date: Thu, March 05, 2015 9:23 am

To: "" ,

""

I recently just received a lawsuit notice from my student loan. I have to file a notion and reply to the documents. I am a bit confused of what to do. I thought we were negotiating something with this company? Please call me at your earliest convenience. [redacted]la

I just faxed it. Did you receive?

Sent from my iPhone

On Mar 6, 2015, at 9:47 AM, wrote:

good morning, I just read your email. can you please send me the paperwork please. we will take care of it.

-------- Original Message --------

Subject: [redacted]

From: [redacted]

Date: Thu, March 05, 2015 9:23 am

To: "" ,

""

I recently just received a lawsuit notice from my student loan. I have to file a notion and reply to the documents. I am a bit confused of what to do. I thought we were negotiating something with this company? Please call me at your earliest convenience. [redacted]

Mar 6

to me

got it, as soon as owens geits in I will let him review it and send the notion.

Mar 6

to carola

Ok thank you! Let me know if you need me for anything. :)

Sent from my iPhone

got it, as soon as owens geits in I will let him review it and send the notion. [redacted]

Business

Response:

The actual amount of time required to complete this process will depend greatly on the number of items which can be properly and lawfully disputed, as well as, how promptly you forward correspondence from the credit reporting agencies to TCC. We can not, in any way, guarantee the results of our credit repair services, nor do we offer any refunds once services have been provided. Please see our Refund Policy below for additional information.

I went From a 535 score to 692 in 4 months.

Review: I began using Owens M[redacted] thru a referral from an associate who recommended me to use him. I am currently at this moment under contract with a purchase of a home. I started using TCC credit beginning in January. As of today my score has gotten worst, he has not resolved the issues at hand and has not responded to my calls, texts, or email. I have given him up to $1,000.00 for the service and also to pay collection items that have appeared on the report. From June that I gave him the money for the 2 collection accounts they have not been paid. I received letters from the companies that the arrangements have broken and that nothing has been paid. Therefore, lowering my score because of the irresponsibility of Owens M[redacted]. I have called him several times on this matter. When I called the associate who referred him , is when he responded and not to me, only to that individual. I was told that he will pay it and that he will submit payment and things will be taken care of. I have still yet to receive proof of payment. He claimed that it was paid and that he would email the invoices. I still do not have it. His action lowered my score and the reality is that he doesn't care. I have been to his office a few times and always hear the same complaints from others saying, "you don't return my calls, my credit is still the same!" I think he's a scam artist and takes people for their money. I am looking to seek counsel on this because he has lowered my score, not returned my calls, claimed that he will call me and never has. When I go the office, he's barely there. I am getting the runaround. I have all paperwork, emails, and texts to prove my claim in this matter. He has delayed my mortgage approval because of this and I am under severe stress as the property I am buying is under contract and seeking a commitment! I need a RESOLUTION immediately and will not continue to keep waiting for months for my credit to get repaired when he is clearly not working on it.Desired Settlement: I want proof of payment that the accounts have been paid and I want my money back for lack of working on my file.

Business

Response:

We have worked continuously with the client but the client does not pay her credit cards on time therefore not permitting the score to go up. Also Client fell back 5 months on the student loans causing the score to drop over 100 points. We paid collection agencies and they have supplied her with evidence of satisfaction. Client needs to pay her bills on time. Also client has just received new medical collection. Again we cannot be responsible for the consumers responsibility.

Consumer

Response:

Review: [redacted]

I am rejecting this response because:

This company has refused to work with me! Paid my bills late when payment was given back to him in April and the payments for credit cards were paid in August! I received several notices from the creditors that my payment arrangement was broken.. That was his doing!! When I called to talk to him, he didn't pick up his phone or call me back! HE is an irresponsible business man! I have been there when other clients have complained of him not returning calls like he did with me. My loans were in deferment and he was aware of that because I explained that to him! I have paid my other credit cards on time so now he is lying about that! I had to send someone there on my behalf to resolve the issues At hand because he refused to answer my calls or emails. The person there on my behalf also explained to him that he should have returned my calls and he admitted to that person he didn't ! And Owens was also late to the appointment when the person on my behalf went, and late being an hour! He plays games with people and avoids situations when he knows the people are irate with him! In one text he claimed to have stated he would call me in 20 minutes which I have proof of , and he never called at all!