Charles Schwab

Initial Business Response / [redacted] (1000, 8, 2016/08/25) */ August 25, [redacted] Revdex.com (Revdex.com) [redacted] Greensboro, NC Re: Revdex.com Case # [redacted] Dear [redacted] , This letter is in response to your letter dated August 12, regarding our client, [redacted] an issue involving her High Yield Investor Checking account, her BillPay biller [redacted] , and the impact of her recurring BillPay schedule on her credit history [redacted] complaint was immediately escalated to our Client Advocacy Team (CAT) for research upon receiptFurther analysis of the client's on-line BillPay profile revealed that a recurring payment schedule was established for [redacted] within the on-line profile on May 19, This recurring payment schedule was set up to send a total of paymentsThe first payment was sent on June 26, and continued until the 11th payment was sent on April 26, The findings of our investigation were communicated to the client by [redacted] ., a representative of CAT, on August 24, Because we determined that Charles Schwab Bank did not make an error during the set up or the execution of the client's recurring payment schedule, unfortunately, we are unable to draft a letter to [redacted] requesting removal of late payment history from the client's credit report If you would like to discuss this further, or if you have any other questions or concerns, please do not hesitate to contact me at [redacted] Sincerely, Teresa K [redacted] Managing Director - Banking Operations Initial Consumer Rebuttal / [redacted] (3000, 11, 2016/08/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) I did not make an error when entering the dateI do not accept this resolutionI believe that Charles Schwab is attempting to cover up a system error in order to avoid other instances where their system has failed in a similar mannerThey are choosing to have me bear the consequences of their mistake, and it is causing me financial harmI am giving them this opportunity to make it right Final Business Response / [redacted] (4000, 17, 2016/09/19) */ September 19, [redacted] Revdex.com (Revdex.com) [redacted] Greensboro, NC Re: Revdex.com Case # [redacted] Dear [redacted] This letter is in response to your second letter dated August 30, regarding our client, [redacted] and her declination of our previous response dated August 25, As further evidence to support our position, we are including screen shots of internal banking and vendor systems to illustrate the BillPay profile details [redacted] created related to her [redacted] billerFigure # and # reflect the payment schedule [redacted] created within her on-line profile on May 19, to send a total of paymentsThe first payment on this schedule was sent on June 26, and continued until the payment schedule commenced after the 11th payment was made on April 26, Figure # represents the current recurring payment schedule for the same biller, which [redacted] set up on July 20, to "Pay until further notice," indicated on Figure #with an end date of "--/--/--" Charles Schwab Bank maintains that no error occurred as a result of our actions during the set up or the execution of the [redacted] 's recurring payment scheduleAs such, we unable to draft a letter to [redacted] requesting removal of late payment history from [redacted] 's credit report If you wish to discuss this matter further, or if you have any other questions or concerns, please do not hesitate to contact me at [redacted] Sincerely, Teresa K [redacted] Managing Director - Banking Operations

Initial Business Response /* (1000, 8, 2016/08/25) */
August 25, 2016
[redacted]
Revdex.com (Revdex.com)
[redacted]
Greensboro, NC 27410
Re: Revdex.com Case # [redacted]
Dear [redacted],
This letter is in response to your letter dated August 12, 2016 regarding our...

client, [redacted] an issue involving her High Yield Investor Checking account, her BillPay biller [redacted], and the impact of her recurring BillPay schedule on her credit history.
[redacted] complaint was immediately escalated to our Client Advocacy Team (CAT) for research upon receipt. Further analysis of the client's on-line BillPay profile revealed that a recurring payment schedule was established for [redacted] within the on-line profile on May 19, 2015. This recurring payment schedule was set up to send a total of 11 payments. The first payment was sent on June 26, 2015 and continued until the 11th payment was sent on April 26, 2016. The findings of our investigation were communicated to the client by [redacted]., a representative of CAT, on August 24, 2016.
Because we determined that Charles Schwab Bank did not make an error during the set up or the execution of the client's recurring payment schedule, unfortunately, we are unable to draft a letter to [redacted] requesting removal of late payment history from the client's credit report.
If you would like to discuss this further, or if you have any other questions or concerns, please do not hesitate to contact me at [redacted].
Sincerely,
Teresa K[redacted]
Managing Director - Banking Operations
Initial Consumer Rebuttal /* (3000, 11, 2016/08/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I did not make an error when entering the date. I do not accept this resolution. I believe that Charles Schwab is attempting to cover up a system error in order to avoid other instances where their system has failed in a similar manner. They are choosing to have me bear the consequences of their mistake, and it is causing me financial harm. I am giving them this opportunity to make it right.
Final Business Response /* (4000, 17, 2016/09/19) */
September 19, 2016
[redacted]
Revdex.com (Revdex.com)
[redacted]
Greensboro, NC 27410
Re: Revdex.com Case # [redacted]
Dear [redacted]
This letter is in response to your second letter dated August 30, 2016 regarding our client, [redacted] and her declination of our previous response dated August 25, 2016.
As further evidence to support our position, we are including screen shots of internal banking and vendor systems to illustrate the BillPay profile details [redacted] created related to her [redacted] biller. Figure # 1 and # 2 reflect the payment schedule [redacted] created within her on-line profile on May 19, 2015 to send a total of 11 payments. The first payment on this schedule was sent on June 26, 2015 and continued until the payment schedule commenced after the 11th payment was made on April 26, 2016. Figure # 3 represents the current recurring payment schedule for the same biller, which [redacted] set up on July 20, 2016 to "Pay until further notice," indicated on Figure #3 with an end date of "--/--/--".
Charles Schwab Bank maintains that no error occurred as a result of our actions during the set up or the execution of the [redacted]'s recurring payment schedule. As such, we unable to draft a letter to [redacted] requesting removal of late payment history from [redacted]'s credit report.
If you wish to discuss this matter further, or if you have any other questions or concerns, please do not hesitate to contact me at [redacted].
Sincerely,
Teresa K[redacted]
Managing Director - Banking Operations