Had good credit but a lot and went with Positive Return a year and a half ago after checking better business bureau and researching co. On web. Received 0 information from co. During time I was with them, no statements, invoices, reciepts of payments. They did pay off one debt.
Received summons from Citibank, called PR immediately, all phone lines were disconnected (I was told later just down), the e-mail I had for them didn't work, got their web site and e-mailed everyone who had contact information.
Was contacted by e-mail and talked to Melissa Bacher in legal dept. She said to send info but not to respond to summons and that I would be garnished. She said PR could still settle after the judgement was filed. I told her I wanted to know exactly what the amount was that Citibank wanted to settle for. She said she would find out and get back to me. I faxe summons and other legal letter over to her, recieved no response.
2 days later, still no response I called again. They had not looked at summons or called citibank, I was told it would take another 48 hrs. I said I wanted this cleared up immediatly as I was told this rarely happens and that you would help to fix it.
E-mailed customer service and Melissa Bacher's supervisor regarding the lack of response or help I was getting. (she kept putting me on hold because she didn't know the answers to my questions and I was calling long distance!) I got no response from supervisor what so ever.
I called three attorney's about my options, including the attorney for the Summons from Citibank, I was told if I didn't respond and even if I did they would win judgement and I would be garnished. If I chose to work with them for monthly payments I was told it would be $500.00 a month. That's plus the $600 I was sending to Positive Return, plus the garnishment that I would be receiving from Discover who was close on the heels.
I have ever e-mail to and from them documented. I have every date of phone calls to and from them since summons was served. I was backed into a corner and now have to file bankruptcy.
Positive return is sitting on $1800 bank account in my name and I don't think I'll ever see it again and all the money I sent them over the past year and half. They have ruined my finacial record and caused me to declare bankruptcy.
It was in the contract with them that they would clear up my credit report after finishing with them and now I am told that that is impossible to do legally. I have filed with the Better Business bureau, the CA comsumer reports dept, and with rip off reports. Don't let it happen to you!
Melinda
Portland, Oregon
U.S.A.
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