Public Mediation

Consumer Credit Counseling Foundation Dispute

C. C. vs. Consumer Credit Counseling Foundation, Inc
2150 Portola Ave Ste D186, Livermore, California, 94551-1784, United States
Amount Involved: Other terms
    • Claimant Seeks: View.
    • Claim #: 6958289
    • Amount Involved: N/A
    • Filed On: Jun 23, 2014
    • Posted On: Jul 04, 2014
    • Complaint(s):
      • Problem with a service
      • Bad business practices
      • Contract / Agreement dispute
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Statement of Claim
Complaints Involved (4) - View
"Trilisa is a debt consolidation specialist who called me claimed that I can pay off 3 of my credit cards at a lower interest rate to a zero balance WITHOUT CLOSING THE CARDS; THEY WOULD ONLY BE BLOCKED DURING THE PAYOFF AT LOWER RATE until zero amount was owed. I also explained I am receiving SSI in the amount of $750.25 direct deposit to my checking.While managing my budget well, she claimed that the cost would be $49.95. That I'd be able to continue using the cards after they were paid down. I explained that I was about to move, and that I hadn't received my new rent subsidy amount yet,so I didn't know if I could do it at $49.95; That the new rent was going to be 40% of the SSI income I currently have direct deposit. She scheduled a call for the end of may '14 or first week of June so I'd have the information to see if I could afford doing this.( I set the cards aside) when she called I still didn't know the information needed, & rescheduled for Wed June 11.14 @ 5:00 P.M. (I noted it on my calender) I moved on June 9,14. knew when she called that wouldn't be able to do the consolidation, & intended to inform her that I'll just keep paying at the rate I'm at. At 40% of $750.25; it would be tight, however at minimum payments on time & automatic I would continue to wheel my own car. ( If I'm short once in a while My son or boyfriend would assist me if needed upon the new move) When I was packing to move, I discovered my 3 cards were stolen, reported it & waited for replacement cards. On Wednesday June 11.14 @ 5:00 P.M. Trilisa never called me. ( I waited for the call all night.) When I received my new replacement cards, I activated the Discover with out a problem, my Merrick with out a problem. But when I try to activate my Chase card ( I'd only received the card 7 months ago) I was informed that the card had been closed by a third party. The counseling Foundation above. Chase was on the phone trying everything possible to open the account. I expalined that I HAD NOT CLOSED THE DEAL WITH TRILISA & THIS COMPANY; it was pending my new budget, how could they do that? Then on Friday June 13th, I checked my balance in my checking account as I often do. & was told
I was $10.00 over drawn!!! That was impossible, I thought I accidentally paid a card twice with the stress of the move & everything else going on. I found out that the Foundation with drew $241.00!!!!!!! If Trilisa quoted me $200, I would've said "NO THANK YOU" & hung up. The bank refunded my money, gave me their phone number, I called, explained, CANCELLED WHAT I NEVER AUTHORIZED. Then the Foundation called me with-in that day; I explained; and that agent proceeded to tell me that all 3 cards were paid & that she was sending me to collections. I couldn't believe my ears. She was rude, Pretended to listen & lied about paying off the cards.I spoke to all 3 companies. I called all 3 companies, and none of them were paid off. And I had no problem activating the other 2 cards."
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What Claimant Wants Hide
Non-Cash
What By When How Much
1. Repair: Chase Sapphire credit card activated Jul 08, 2014 N/A
2. Replace: the money from checking has been refunded Jul 08, 2014 N/A
3. Apology: To me and to Chase credit card (In a letter to both of us) To Chase, an admittion of mistake. Jul 08, 2014 N/A
Cash
1. Other – Copy claim to regulators Jul 08, 2014 $14.99
2. Other – Pay for claim posting cost Jul 08, 2014 $7.99
3. Other – Physical delivery charges Jul 08, 2014 $2.99
Cash total : $25.97
Non-cash: 3 items
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Respondent's Counteroffer Hide
Message from Consumer Credit Counseling Foundation, Inc: We have received this claim by Ms. Ciaschi and would request an extension of a few days for us to review the account to verify her claims and to contact her creditor Chase so that we can determine what may be done to try to resolve her concerns. However, we are happy to reimburse her immediately for the cost to file this claim.
What By When How Much
1. Cash amount requested Jul 18, 2014 $25.97
Cash total : $25.97
  • 0
Do you agree with the respondent’s Response?  (If you are a party to this claim, click here.)
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