Credit Management Control

Upon receipt of this complaint, we forwarded to our client, Just Energy to verify information. Ms [redacted] did not provide the last digits of her SSN with her complaint, but our client does have the last four as 6677. Last are also a match to the Eoscar dispute received. They have currently requested the account be placed on hold pending review. CMC has submitted a removal request to CBR pending our client’s review. Ms [redacted] could assist the process if she would be so kind to provide a copy of a police report, a copy of her driver’s license or other picture ID as well a copy of her SS cardThis information would be forwarded to our client to assist with their review. Once our client completes their review, the answer will be submitted to Ms [redacted] . Ms [redacted] may also contact [redacted] at 866-844-extfor any questions.

Our client, Just Energy, has instructed our office to close the account.? The account is now closed and will be submitted for removal from the credit bureaus.\Thank you and have a good day

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint.? For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, ***? [redacted] It has been over a month since I made my initial request for documentation to validate the alleged billI have made such request, I still have not received anythingThere would have been no way for me to realize my mistake as the company claimsthe check was written the day of their first contact by phone, so I had no physical bill in my handIf I was unsure of the amount, I would have written for a higher amount to make sure it was covered, that is what I didThis company has proved that they untrustworthy and only playing games

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint.? For your reference, details of the offer I reviewed appear below.I knew I didn't make the appointment and I explained my situation to the billing department when I called and asked if there was anything that could be done with the chargeI had just lost my insurance and my employment which is the only reason I did not attend the scheduled appointmentI called and tried to work with the original creditor which they were unhelpful and told me when the bill came in the mail to call and something may be able to be worked outWhen I called New Wellness after the letter was received in the mail I was told the charge is there and now that it needed to be paidI did now have a job which I told the lady who I spoke with and she said if I could pay 50% it would be settledI had just gotten a job and needed to get back on track which I explained and also explained I would make a payment if it were cut in half but didn't know how much or just when yetI was told to make a payment as soon as possible and before I could make a payment it was sent to collections and I disputed due to the amount I was told I would have to pay and not getting the chance to work with the original creditor on the payment and now having to work with a 3rd party company who is just collecting the debt not agreeing to what was saidI don't have a problem paying the half amount that was agreed but I will not pay for the full amount since that was not what was discussed originally? Regards, [redacted]

We were not provided the SSN or DOB with the account listing. After reviewing with our client, we have verified that the spouse of same name is also authorized on the account. With that information we have identified the SSN and DOB for both same names. We have determined the correct party information and it does not belong to same name with SSN ending ***. We will be submitting a deletion request to the credit bureaus to remove the account from [redacted] (SSN ending ***) credit file. Please allow up to 60days for the bureaus to remove the account from his credit fileHe may also dispute directly with the credit bureaus.Note that CMC did not directly report this account to his credit file. This would be a credit bureau error. Thank you

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.I knew I didn't make the appointment and I explained my situation to the billing department when I called and asked if there was anything that could be done with the chargeI had just lost my insurance and my employment which is the only reason I did not attend the scheduled appointmentI called and tried to work with the original creditor which they were unhelpful and told me when the bill came in the mail to call and something may be able to be worked outWhen I called New Wellness after the letter was received in the mail I was told the charge is there and now that it needed to be paidI did now have a job which I told the lady who I spoke with and she said if I could pay 50% it would be settledI had just gotten a job and needed to get back on track which I explained and also explained I would make a payment if it were cut in half but didn't know how much or just when yetI was told to make a payment as soon as possible and before I could make a payment it was sent to collections and I disputed due to the amount I was told I would have to pay and not getting the chance to work with the original creditor on the payment and now having to work with a 3rd party company who is just collecting the debt not agreeing to what was saidI don't have a problem paying the half amount that was agreed but I will not pay for the full amount since that was not what was discussed originally Regards, [redacted]

Mr [redacted] letter requesting validation of debt including the creditor's name/address, original/current balance, etc was received and processed Validation (creditor's original invoice) was mailed to Mr [redacted] on On 6/12/the bureaus were updated with a dispute code (which is within 30days) The delete code was submitted via Eoscar, however, no confirmation code is provided by Eoscar It can take the bureaus up to days to actually remove an item

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.While I appreciate your response, when I talk to your client I had just gotten a job and didn't realize I had limited time to make a payment I was just told make a payment when I could even if it was small amount which my first checks were small amounts due to not working full time hours once I had a check that was a full pay check I was sent to collectionsI feel the client should have stated I have until a certain date to make a payment or collections would resultI was not contacted further by New Wellness Associates before being sent to collections so I am confident had there have been correspondence I would have told them I'm sending a payment once I had a check that could allow me to make the payment in timely matterIt is truly said to see when someone goes through a hard time a doctor could be so unthoughtful or not allow time for someone to make the payment especially in a transition of a new jobI will never ever use this business again nor refer it you guys are crooks and no real human compassion. Regards, [redacted]

As previously stated, CMC has not violated FDCPA or FCRA and had responded accurately in its responses. CMC respectfully requests again that the Revdex.com close this matter.Thank you

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below If you are stating that they wrote off the amount you are attempting to take than why would a different billing company hired by innovative bill me and take payment? Are you saying that the provider/contracted biller took an FSA payment and never paid any medical bill due? That is what I am hearing in your messagesIf that is the case I believe this entire case should be forwarded to the Federal Department for a Federal crime as FSA money is a tax free means to only pay medically approved bills/servicesCan you confirm that is what you are saying? Regards, [redacted] ***

CMC did not receive mail return nor a forwarding notification from our mailing. We have forwarded the insurance information to our client and they stated they have submitted the claim to insurance. We were informed that it takes most insurance companies 30-days to process a claim. Once our client receives a response from the insurance company, we will communicate the resolution to Ms [redacted] . Ms [redacted] can also follow up with her insurance company to verify they have received the claim and are currently processing it. Thank you,

Credit Management Control received the account from our client, Just Energy, for collection on May 4, 2016. This is the reason for the credit bureaus reporting May as an open date as this is the date of receipt of the account for Credit Management Control. It does not mean that it's the opening/start date for services with Just Energy. The start date of services with Just Energy was September 17, with an end date of October 29, 2013. The delinquency date listed on the credit report would be listed as 10/29/13. CMC reports to the bureaus monthly, therefore our last reporting date was September at the time of Ms [redacted] initial complaint/dispute. Therefore the information submitted to the credit bureaus is accurate.Ms [redacted] has not yet contacted our office per our request in the original response to her complaint. If she would please contact our office and speak with [redacted] so identify information can be verified. 866-844-ext108. Alternatively and due to Ms [redacted] originally stating she did not have service with Just Energy, she could mail the following to CMC * PO Box 1654 * Green Bay, WI - legible copy of her driver's license or other state ID, - legible copy of social security card (may truncate 1st 5-digits, leaving just the last visible) and - proof of other energy services during the time period of 9/17/- 10/29/13. (her initial complaint/dispute was that she had not had Just Energy services and does have proof of energy services over the past 8yrs). The information Ms [redacted] provides would be reviewed and verified to determine if indeed the account ID information is accurate. In the meantime, we will be mailing Ms [redacted] a copy of the last billing statement that was sent by Just Energy in 2013.Thank you.