Trotwood Auto & Brake Center

To Whom it May Concern,Thank you for notifying us of the recent complaint submitted by Mr. [redacted].  We are very interested in preserving the goodwill and confidence of our customers.  I appreciate the opportunity to respond.The account in questions stems from a 2/2/13 date of...

service.  The account was placed in collection 10/24/13.  With no response to collection calls and letters, the account was reported to the credit bureaus on 1/28/14.  Collection attempts continued and we finally spoke to Mr. [redacted] about the account on 2/3/15, he refused to speak with our collector and refused any sort of payment.On 3/22/17, we received a credit card payment from Mr. [redacted] via our online payment site.  The credit card payment was ran that same day and the account is now showing paid in full. There is no documentation showing where Mr. [redacted] called our office to ask how/when his credit report would be updated.  Had he called, he'd have been told that we report to the credit bureaus once per month and that his payment would be reported to the bureaus in our next regularly scheduled report.  Our April reports were created yesterday and are being sent to the credit bureaus today.  The bureaus take 5-7 business days to process the reports.Should any further information be needed to close this complaint, please feel free to contact me.Best regards,[redacted] CFOSmith, Rouchon and Associates, Inc.

Please be advised this is not true regarding outstanding debts. However, as you stated in previous response SOL has run and the two remaining are not in collection process.  Again, I respectfully request these items be removed, thus I am trying to purchase a home and these items are affecting the purchase.  Also, the accounts from Jackson Heart have been paid well over the 30 day period and are still appearing on my credit. Please have those removed immediately. With Kindest Regards.
 Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]

I am only able to find one of the accounts listed in the complaint...[redacted] for $61.00.  We are collecting the $61.00 through our contract with [redacted].  The charge is for reading a mammogram at [redacted] on 6/11/14.  The original...

balance was $144.00.  The claim was processed but her insurance carrier to leave her balance owed at $61.00.  Besides bills receiving bills from [redacted], her insurance would have provided her with and EOB showing her balance owed.  The debt is currently out of statute so we are not actively collecting the debt.  However, we reported the debt to Trans Union and Equifax on 1/23/15 and they hold things on the report for 7 years.Could the other accounts she mentioned be under a different name...perhaps a maiden name or a child that she is the guardian of?

Thank you for notifying us of the recent complaint submitted by Mr. [redacted].  We are very interested in preserving the goodwill and confidence of our customers.  I appreciate the opportunity to respond.Upon receiving this complaint, we reviewed the recording of the telephone call between Mr....

[redacted] and our collector.  After hearing the phone call, our Vice President ([redacted]) felt there could have been room for improvement in the customer service that Mr. [redacted] received.  Today, she personally called Mr. [redacted] to discuss the telephone call between him and the collector.  She assured him our collectors are trained to be sensitive to consumer financial constraints and apologized if he felt he'd been treated harshly.  The call to Mr. [redacted] went very well, resulting in a clear understanding of his account and a payment plan that suits his current situation.The collector involved has been made aware of the complaint made against her.  She has undergone simulation with management on ways that this complaint could have been avoided.If you have any further questions concerning this complaint and its resolution, please feel free to contact me at (601) [redacted].

As explained in my first email....because the Statute of Limitations has run, we are no longer actively attempting to collect the debt.However, once an item is reported to the credit bureau, the keep it listed for 7 years from the date of first report.  This is their rule, not ours.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted] As of Friday April 22, 2016 I haven't seen where anything has been updated and neither has my credit report hasn't been update. The response from Smith & Rouchon stated that they will be updating my information to the credit bureaus.

I have verified with [redacted] that they show accounts [redacted] and [redacted] paid in full.  We have reported such to the credit bureaus.  Once an account shows paid, they buraues will usually drop the account from your credit report after 30 days.I have checked with [redacted], PA ([redacted] for $66.00) as well as [redacted] for $106.00), neither of these providers show these accounts to be paid.

The complaint filed with the Revdex.com was the first this office has heard of the incident reported by Ms. [redacted].I spoke to Ms. [redacted] on 12/9/16 after reviewing her complaint.  I told her that our records indicate the account she is referring to has indeed been removed from her credit...

report.  I asked her which bureau report she was still seeing the account listed with, she replied Experion.  I explained to her that we don't report any data to Experion...we only report data to Equifax and Trans Union...therefore anything listed on her Experion report isn't of our doing.  She then said perhaps it was as Equifax report she was looking at.  I asked that she send me a copy of what she was looking at so I could see exactly what it was and guaranteed I'd work to get the account removed if it was indeed still listed with Equifax or Trans Union.  She agreed to scan and email the listing to me, but as of today, 12/14/16, I've not received her email nor heard back from her concerning the account.Should further information be needed, please feel free to contact me.Thanks

I responded to this complaint yesterday.  I think I addressed all issues brought up by Ms. [redacted].  I am sorry if she felt our call was threatening to her son.

Our note and phone records do not indicate any calls from this consumer since our rep called her on 5/23/17.  At that time she informed the rep that she was applying for disability and couldn't make any payments towards these balances.  Since the Statute of Limitations has run, we are not...

actively trying to collect these debts.  However, items reported to the credit bureau stay on the report for 7 years.  The accounts she referenced are not paid.  If the consumer has questions about her accounts and the status of her accounts I invite her to call our office to speak with an account rep.