The Bill Coach

We were aware of this complaint through the company that we referred the client toOur compliance is something that we take very seriously and the employees mentioned in the complaint are no longer employed by us because of this complaint Our company did not charge this client any moneyMy understanding is that company we referred the client to did refund all money charged

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 I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]

We are in receipt of your complaint to The *** *** dated 08/13/as it pertains to *** ***'s purported complaint. Once we have researched this matter, we plan to respond within 5-business days. Please be advised that we will be contacting the consumer directly in an attempt
to resolve this matter

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
This credit company called to tell me that all of my information has been deleted. I'm not sure how I am to check this information out to make sure that it has.They did apologize but I'm do think it was sincere. 
Regards,
[redacted]

We were aware of this complaint through the company that we referred the client to. Our compliance is something that we take very seriously and the 2 employees mentioned in the complaint are no longer employed by us because of this complaint.
Our company did not charge this client any money. My...

understanding is that company we referred the client to did refund all money charged.

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.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Review: I signed up somewhere online to he contacted by the bill coach in order to help me with my debt. To speak to somebody there in the role of a financial advisor in order to do whatever it is they suggest to tackle my debt. I eventually received a call from them but it was only to enter some random contest to win a cash prize. It was more like a telemarketing call and had nothing to do with financial advising. The caller also spoke down to me in an intimidating and condescending tone as well as attacked me with insults. They refused to let me speak to a manager also. I then wrote an email to the company the bill coach and promptly received a phone call from a man by the name of [redacted] who said he was a manager there and got my email and was concerned with my issue. In my email I told them I was going to contact the Revdex.com and Mr [redacted] was quite concerned with this saying they are a Revdex.com accredited business and they do not want me to report them. I said now that I'm speaking to him I would not need to do this because one of the reasons for the email was to speak to a manager which I was denied. He said he would take care of the employee who called me and handle the way in which he spoke to me. He then went on to ask if I still needed financial advising. His story didn't add up at all as well. He constantly had to correct himself as I would question him about things he said 10 minutes ago weren't the same things he was saying then. For instance he first told me the employee who originally called me about the sweepstakes was somebody he personally trained and the bill coach is a big business in a 100 story building in California and they occupy 3 floors. Later on he said the person who called me was from Costa Rica or India and not affiliated with the bill coach. Story kept changing with a lot of things he said but he had a lot of information about me. Such as my credit score and the balances of all my credit cards and interest rates etc. That did give him so credibility at the time. Now that I think of it in retrospect he could have signed up for a credit report and pulled my information from there. He told me he was going to use consumer credit counseling to consolidate my debt and get me a lower monthly payment. I had to give him a lot of my personal info. After giving him the info I was told he had to go to some meeting and he had to get off the phone and he would call me the following day at noon eastern time to continue the process. The call was ended and I tried to call him back to which I got a message stating the number was not valid. I also never got a call the following day which is today June 26th 2014 to continue the process. I beleive this entire company is a scam and set up entirely to aquire people's information for the purposes of identity theft or monetary theft from their accounts they manipulated people into giving them. Mr. [redacted] also said they were a Revdex.com accredited business. Can you confirm or deny that claim and let me know. Please let me know what you find out. I have done what I needed to on my end with my credit card companies and bank accounts and the 3 main credit companies transunion, equifax and experion. Please look into The Bill Coach and get back to me. Thanks!Desired Settlement: I would like a phone call informing me of the outcome of the investigation and if this company was found to be a fraudulent front in order to aquire people's information for identity theft or monetary theft. The man I spoke to by the name of [redacted] saying he was a manager for the bill coach also said they are a Revdex.com accredited business. Can you confirm this and let me know. Thanks!

Business

Response:

We were aware of the complaint before receiving this notice. The representative in question was actually let go for misleading clients following this incident.

1 phone call and 2 emails from an actual manager, [redacted], have been sent to the client in an attempt to resolve the issue.

As far as the services the company provides, no money was attempted to be collected from the client as we do not charge a fee for our services, and along with Consumer Credit Counseling, ID theft protection is a service provided to clients that enroll.

We are more than happy to continue to cooperate and answer any questions that come up.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I have received no contact from a manager from this company, and money was trying to be collected. I gave my checking account number, routing number, and credit card number, along with my personal address, last 4 of my social security number and a host of other personal info. I was to be enrolled into some program, however I questioned the validity of the program when the gentleman I was speaking with was not able to get his story straight, and upon questioning him vigorously he could not answer my questions, so he made up a story about how he had a personal meeting to go to and had to get off the phone and would call me the following day, to which he never did. This man certainly worked for The Bill Coach because the reason I was on the phone with him in the first place was because HE CALLED ME due to an email complaint I sent to The Bill Coach from an email address they had listed on their website. So this Mr. [redacted] who said he was a manager for The Bill Coach must have been working for The Bill Coach because he had access to their email server, as he called me within 30 minutes of me sending an email complaint. I believe the company is a fraud and full of corruption, as I have not received any contact from them like they say!. I am almost certain The Bill Coach sent out a lie to the Revdex.com because I haven't received any contact from them to resolve this and they also lied about not charging fees for their service. That was the point of me giving them my checking account and routing number, so I could pay for my fee for their service! Also I don't even believe there was a [redacted], this man was trying to steal my personal identity and info, so I believe he certainly did not give me his real name, it does not make sense for him to do that. Therefore for the company The Bill Coach to acknowledge that this person worked for them and has since been released in my opinion proves the company is a fraud and in on the entire scam because they would most likely never find a [redacted] working for them. If what I am thinking is correct, then they shouldn't have been able to find this employee by name because he wouldn't exist. I think this company is a fraud due to them going along with the story of this Mr. [redacted] having worked for them. I also believe they duped the Revdex.com with the message they sent out trying to resolve this issue because everything they said in it was a lie, and the conversation I had with Mr. [redacted] was recorded and can be played back to show they did try to charge me a fee and I have not received any contact from them like they also stated. Another detail worth noting is when I first sent the email complaint to The Bill Coach email address located on the website to which the so called "manager at The Bill Coach" [redacted] called me in regards too, he was very nervous about the line I wrote in the email saying I would contact the Revdex.com to complain about them. He was scared of the Revdex.com, and said they were an accredited Revdex.com company. I believe they are a fraudulent company who are especially scared of the Revdex.com uncovering their true intentions. I want to receive in writing a statement by the Revdex.com stating this company is either an official legitimate company or it isn't, and whether they are accredited by the Revdex.com or they are not and if they ever were accredited in the past. I also want to know what happened to my info, and after this is found out I want it deleted erased and a written statement that this has been done and anybody who had access to it fully investigated!]

Business

Response:

We have attempted to contact via phone and email several times. We are more than willing to speak with the client to resolve whatever issue he has.

Review: It all started when I got a phone call from a lady telling me I was Personally selected in a 25 thousand dollar credit card debt sweepstakes. Of-course I asked her what is the catch and she said nothing ma'am you are just entered into the contest, but please stay on the line to talk to are sponsor. When I waited A representative by the name of [redacted] came and said hi so you have more than 15 thousand in credit debt. I laughed and said "no more than that sir". So then [redacted] told me that he was going to give me a free quote on a debt consolidation loan. I said just as long as its free I am all ears. We discussed my credit cards each one etc. I made it very clear to him that I cannot make any decisions without my husbands permission also. [redacted] got a little pushy and said well here let's go ahead and just do an application I will help you, so you get your rates. During this process he stated that my husband needed to verify over the phone a few things with the other department. I said "well HES NOT HERE". He then said well "is there a male in the house?" I said "um yes", then he goes 'well just have that person do it". I said well there are only children here he said OK that's fine. Then I said I don't want anyone in trouble. again "no worries". I felt very awkward after that not only have I given this guy my banking info routing number etc. Because he said he needed it for the application. I also gave him my social security number. This company seems very crooked I am very worried about my information. When I called back the next day and stated I wanted to cancel everything. They got confused and asked why I told [redacted] (the second representative) and he stated he couldn't believe that [redacted] had done that. but still proceeded to try to get me to do the application! I finally told him "look I just want to cancel my husband doesn't agree and I was promised that I would not be effected if I cancelled". The cancellation lady at the end then stated that I wasn't eligible for any future programs!Desired Settlement: I am not sure what to settle with. My husband stated that that was committing fraud. I am worried about all of my information I gave to this company. and as they state everything is recorded on the phone conversations. I am almost close to calling my Attorney. I believe I deserve some sort of settlement over this matter.

Review: I received an unsolicited call on my cell phone from Daniel Simaan. He claimed that he could save me money by getting the "high interest rate" on my Discover Card balance lowered to 6.99%. I told him that I found that rather interesting, because I did not have an active Discover Credit Card, and when I did, it had been a 4.99% interest rate. When he learned that I had a Discover Personal Loan, he told me that he could get the interest on that lowered to 6.99%. After speaking to him for several hours, asking questions and trying to make sure that I had all the information verified, I agreed.

Several months later, I learned that the information that he had told me was incorrect, and that agreeing to put my loan into the credit counseling program was going to cost me money, not save it.Desired Settlement: This is not the first time that I was lead to believe that signing up for credit counseling would save me money. In the end, all that it has ever done is cost me money and create a lot of hassle and confusion.

These companies need to quit trying to convince people that they can save them money. They need to be honest and disclose all of the hidden costs up front.

Business

Response:

We were aware of this complaint through the company that we referred the client to. Our compliance is something that we take very seriously and the 2 employees mentioned in the complaint are no longer employed by us because of this complaint.

Our company did not charge this client any money. My understanding is that company we referred the client to did refund all money charged.

Consumer

Response:

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. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

Review: I received a call last year from this company to help with lowering my int erst rate on my credit cards. They call me today almost 8 month later. The customer service person named [redacted] @ 888-851-7639 ext [redacted] knows all of my personal information even my bank account number. I asked him to take me off the calling list and destroy all of my personal information at once. He became argumentative and rude because I told him I didn't need his services....almost trying to force me and insult me into agreeing to their services. I want all of my personal information destroyed. PLEASE HELPDesired Settlement: FOR ALL OF MY PERSONAL INFORMATION TO BE DESTROYED. THIS GUY [redacted] HAS MY BANK ACCOUNT NUMBER

Business

Response:

We are in receipt of your complaint to The [redacted] dated 08/13/15 as it pertains to [redacted]'s purported complaint. Once we have researched this matter, we plan to respond within 5-10 business days. Please be advised that we will be contacting the consumer directly in an attempt to resolve this matter.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

This credit company called to tell me that all of my information has been deleted. I'm not sure how I am to check this information out to make sure that it has.They did apologize but I'm do think it was sincere.

Regards,