Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/20/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This collections company put a $2600 collection on my credit report from Mercy Medical who Ive also filed a BBB complaint against. This collection was 100% incorrect and an error. Ive been calling BOTH companies for a month now to remove this off my reportit has been a full month of this collection sitting on my credit report that Ive NEVER owed. It dropped my credit score 80 points and Im about to fall out of escrow and lose a house because of it. Both companies are taking this as a joke because its not their life being ruined. Mercy medical has admitted fault, said they contact this company on 06/12/2024 to recall the file and have it completely removed from all 3 credit bureausyet I call thus company and one person tells me they have a note to remove everything, the other person tells me they havent heard from Mercy Medical. This is a huge scam and should have been corrected on 05/30.2024 when both companies were confronted about the error. Now are just sitting not fixing the is***. This is my last effort to have this fixed by the end of the week before I contact an attorney to *** for punitive damages. If I lose this house over something Ive never done, people will be paying.

  

  Business Response

  Date: 06/20/2024

  I hope this email finds you well. I am writing on behalf of Central Portfolio Control to express our gratitude for giving us the opportunity to address your concerns. We understand the importance of resolving any issues or inquiries promptly and efficiently. We understand the importance of resolving any issues or inquiries promptly and efficiently. We want to assure you that we have taken immediate action upon receiving your inquiry. We have already notified our client, MERCY MEDICAL CENTER *******,about this complaint. The account was recalled from our office on 6/17/24 by MERCY MEDICAL CENTER *******. Since we are no longer servicing the file, the deletion was submitted to the credit reporting agencies. Please allow credit reporting agencies ample time to process the deletion. For further assistance please contact the current creditor MERCY MEDICAL CENTER *******. If you have additional questions, we encourage you to contact our compliance department at ***************. Our team will be more than happy to help address any concerns you may have.

• Initial Complaint

  Date:06/14/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  CENTRAL PORTFOLIO CONTROL reported A DEBT on my credit report for $1,890. I immediately called the company June 13, 2024and was hung up on twice . I asked information to validated the debt and I was told it was a medical debt the second time i called. i was also told my address is a po box in ******** where i live for which i don't and never have. I cannot live in a po box. it was obvious they were taking information from my credit report. all 3 credit bureaus just recently obtained my address after i gave it to them. they weren't able to validate this debt nor where they ever in contact with me. they simply reported a debt to the credit bureaus without ever being in contact with me which is a violation. The ************************************ (CFPB) proposed a rule that would remove medical bills from most credit reports, increase privacy protections, help to increase credit scores and loan approvals, and prevent debt collectors from using the credit reporting system to coerce people to pay. this debt must be removed removed from all credit bureau asap.

  

  Business Response

  Date: 06/19/2024

  
  I am writing on behalf of Central Portfolio Control to express our gratitude for giving us the opportunity to address your concerns. We understand the importance of resolving any issues or inquiries promptly and efficiently. We want to assure you that we have taken immediate action upon receiving your inquiry. We have already notified our client, ******************* ED *** about your concerns and have requested the necessary documents to validate the debt in question. Rest assured that once we receive these validation documents, we will promptly send them to you for your review. For the consumers information:Admission date is 6/20/2019, MD ************************** It's important to note that an initial notification letter was sent to the consumer on 06/02/23. Unfortunately,we did not receive any return service notification. Regarding your statement about credit reporting, we assure you that our reporting is accurate and in compliance with all company, state, federal, rules and guidelines. We take compliance very seriously, and we are committed to following industry best practices in all our operations. If you require further assistance or have any additional questions, we encourage you to contact our compliance department at **************. Our team will be more than happy to help address any concerns you may have.

• Initial Complaint

  Date:06/12/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Central Portfolio Control *** sent me a text message today(6/11/24). They claim to be a bill collector but they did not disclose who the debt is from. I have not received anything in the mail saying that I owe any one any money. They call me and do not leave a message. #************* and #************. I've checked my credit report and there is no report of any kind of debt. I do not feel comfortable giving out my ss# ect. to these people.

  

  Business Response

  Date: 06/19/2024

  I am writing on behalf of Central Portfolio Control to express our gratitude for giving us the opportunity to address your concerns. We understand the importance of resolving any issues or inquiries promptly and efficiently. We want to assure you that we have taken immediate action upon receiving your inquiry. We have already notified our client, *********************** GENERAL HOSPITAL, of this complaint. The initial notification letter was sent to the consumer at ********************************************** Dallas ************** For the consumers information: Admission date is 02/15/2021, Invoice# 9435844. Per consumers petition we have requested itemized statements from the facility which will be mailed to the consumer upon receipt and any other communication will be ceased. If you require further assistance or have any additional questions, we encourage you to contact our compliance department at **************. Our team will be more than happy to help address any concerns you may have.

  Customer Answer

  Date: 06/19/2024

   I am rejecting this response because:
  I do not live in **.....never did

  they have been sending info to **************;*****

  if you can see the zip code (*****) is Dallas ***************** they send it to the correct address I will be more than happy to work with them. I would like everything in writing. 

   

  I should not even have been contacted by this corporation b/c they have the wrong state listed. This is ********************************************* fault.

  
  

  

  Business Response

  Date: 06/20/2024

  Central Portfolio Control followed all company,state, federal, rules and guidelines. We stand by our response. For further assistance consumer may contact our compliance department at **************.

  Customer Answer

  Date: 06/20/2024

   I am rejecting this response because:
  I don't understand how you can stand by your response. If you stand by your response then you are going to continue sending information to the incorrect state of ********* therefore I will never receive the information. AGAIN The billing information has the wrong state. How am I supposed to pay if you are sending the information to a different state?!?

  Email is not a professional way to contact someone, text messages are not a professional way, correct the state and mail me the information. 

  Also, don't call someone and not leave a message. If you are a professional business like you claim to be, call and leave a detailed message. It's not that hard!! People do it all the time!

  
  

• Initial Complaint

  Date:05/20/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Have fraudulently reported to my credit. Falsely stating I owe for medical services I have never recieved. Have ever recieved a statement from this company. Complete fraud

  

  Business Response

  Date: 05/21/2024

  I am writing on behalf of Central Portfolio Control to express our gratitude for giving us the opportunity to address your concerns. We understand the importance of resolving any issues or inquiries promptly and efficiently. We want to assure you that we have taken immediate action upon receiving your inquiry. Our compliance team reviewed the complaint and determined that we are servicing several medical debts with several different admission dates. It's important to note that an initial notification letter was sent to the consumer on all files. Unfortunately, we did not receive any return service notification. Regarding your statement about the credit reporting, we assure you that our reporting is accurate and in compliance with all company, state, federal, rules and guidelines. We take compliance very seriously, and we are committed to following industry best practices in all our operations. If you require further assistance or have any additional questions, we encourage you to contact our compliance department at **************. Our team will be more than happy to help address any concerns you may have.

  Customer Answer

  Date: 05/21/2024

   I am rejecting this response because: central portfolio is claiming they have sent out a initial response letter which is not true. I have never recieved an itemized statement frok central portfolio nor have I ever recieved medical care at the facility they are claiming I went to. Central Portfolio has made a comple fraudulent claim. 
  
  
  

  

  Business Response

  Date: 05/21/2024

  Central Portfolio Control followed all company,state, federal rules and guidelines. The initial notification letter has nothing to do with itemized statements. For further assistance consumer may contact our compliance department at **************

• Initial Complaint

  Date:05/09/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Control Portfolio Control is trying to collect money for a cell phone I did not buy or receive. I do not owe this claim, based on the supposed contract they provided. The paperwork I received does not contain my correct information. The paperwork shows that 2/3rds of the contract has been paid.However, my bank account statements, and my cell phone bills show no such payments. The contract was executed online. However, the email listed for the purchaser is not mine. It is listed as ******************************* is clearly not me. The payment history provided shows payment withdraws from a debit card ending in 0335. I have never had a card with this number. Review of my bank account statements show no such debit card and no charges of the amounts listed nor the company name listed. The phone number listed, ************, was one of my phone numbers prior to 2016. It was not my number in 2021 when this lease was executed. This is clearly reflected in my phone bills. I was never contacted by Smartpay Leasing, llc. the entire time this account was supposedly in arrears. Not by phone, email nor regular mail. The first time I heard of this claim was 3/14/2023 from ************************ **** The person I talked to from Central Portfolio said that I need I need to file a police report and provide proof that this not my debt. They sent me a form to fill out that wants all my personal information including name, address, phone numbers, social security number, date of birth, copy of my drivers license, written documentation which would be my banking statements and cell phone bills. I am not comfortable doing that. Shouldnt they have to prove I owe it rather than me providing I dont. The implied threat is that theyll **** my credit if I dont pay. ***********************

  

  Business Response

  Date: 05/16/2024

  I am writing on behalf of Central Portfolio Control to express our gratitude for the opportunity to address ***************** (Consumer) concerns. We understand the importance of resolving any issues or inquiries promptly and efficiently.We want to assure you that we have taken immediate action upon receiving your inquiry. We have already notified our client, SECURITY CREDIT SERVICES, LLC, about your concerns. The debt was validated by Central Portfolio Control on May 1st, 2024. After reviewing the debt validation documents if the consumer is still claiming fraud, per our client requirements, he will need to provide us with the following: a police report,notarized Identity Theft Fraud Affidavit and copy of front and back government issued identification, which will be forwarded to our client for further investigation. If you require further assistance or have any additional questions, we encourage you to contact our compliance department at **************. Our team will be more than happy to help address any concerns you may have.

  Customer Answer

  Date: 05/16/2024

   I am rejecting this response because:
  
  it is no different than the demand they made before. What they dont tell you is they require the following 

  social security number, copy of drivers license,  address, phone numbers, date of birth, and the proof they are requiring are my bank statements and cell phone bills

  ive been advised by Baltimore ************* and the Maryland ************************ to not comply.  It is likely a scam.

  they just called me out of the blue and demanded $500.  They have nothing to show I owe anything.  They need to commit to leaving me alone.  

  
  

  

  Business Response

  Date: 05/17/2024

  Central Portfolio Control stands by our response.

• Initial Complaint

  Date:05/09/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Original company is not suppose to sell information to a 3rd party that's against the law. 15 U.S. Code 1681 they have to validate and give original copy of debt. The account is not mine, 15 U.S. Code 1681 is the Fair Credit Reporting Act, which states that consumer reporting agencies cannot provide an account without written instructions. The act also states that a person cannot provide inaccurate information about a consumer to a consumer reporting agency if they know or have reason to believe the information is incorrect. I am not liable for the debt and don't have a contract with Central Portfolio they didn't provide me with a contract as requested. 15 U.S. Code 1692 is about congressional findings and declaration of purpose. It is part of the Fair Debt Collection Practices Act (*****), which became effective in March 1978, and is designed to eliminate abusive, deceptive, and unfair debt collection practices. The ***** only applies to the collection of debt incurred by a consumer primarily for personal, family, or household purposes.

  

  Business Response

  Date: 05/16/2024

  I am writing on behalf of Central Portfolio Control to express our gratitude for giving us the opportunity to address your concerns. We understand the importance of resolving any issues or inquiries promptly and efficiently. We want to assure you that we have taken immediate action upon receiving your inquiry. We have already notified our client, ACS PRIMARY CARE PHYSICIANS LA,PC, about your concerns. For your information we haven't purchased the debt in question we are servicing it for the facility. Central Portfolio Control followed all company,state, federal, rules and guidelines. The validation documents were requested from our client and rest assured that once we receive these validation documents, we will promptly send them to you for your review. Regarding your statement about  credit reporting, we assure you that our reporting is accurate and in compliance with all company, state, federal, rules and guidelines. We take compliance very seriously, and we are committed to following industry best practices in all our operations. If you require further assistance or have any additional questions, we encourage you to contact our compliance department at **************. Our team will be more than happy to help address any concerns you may have.

  Customer Answer

  Date: 05/17/2024

   I am rejecting this response because: My information was sold to a 3rd party and I have no knowledge of this debt. I also have no paperwork provided for this debt. I would like to resolve it by having it removed from credit. This is not reported according Im not responsible for this debt. Thank you kindly 
  
  
  

• Initial Complaint

  Date:05/08/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not liable for this debt with ******** EMERG MED ASSOC PA I don't have a contract with CENTRAL PORTFOLIO CONTRO, they did not provide me with the original contract as requested

  Customer Answer

  Date: 05/08/2024

  I never received any validation letters or have gotten any phone calls regarding this account I have no knowledge of it and need it removed off my credit report immediately 

  Customer Answer

  Date: 05/08/2024

  I just called and they wouldnt give me any information they said the collection was put on my desk in march and I asked for validation or a contract and they wouldnt give me anything

  

  Business Response

  Date: 05/16/2024

  I am writing on behalf of Central Portfolio Control to express our gratitude for giving us the opportunity to address your concerns. We understand the importance of resolving any issues or inquiries promptly and efficiently. We want to assure you that we have taken immediate action upon receiving your inquiry. We have already notified our client, LONGHORN EMERG MED ASSOC, **, about your concerns and have requested the necessary documents to validate the debt in question. Rest assured that once we receive these validation documents, we will promptly send them to you for your review. It's important to note that an initial notification letter was sent to the address provided, **************************************************************, on 03/13/2024.Unfortunately, we did not receive any return service notification. However,please know that our compliance department has thoroughly reviewed the call recording related to your claim and has found that our agents handled the call in a professional manner. For consumers information: Admission date: 1/30/2021, Facility: LONGHORN EMERG MED ASSOC, **, Physician: ***** MD,************ Regarding your statement about credit reporting, we assure you that our reporting is accurate and in compliance with all company, state, federal rules and guidelines. We take compliance very seriously, and we are committed to following industry best practices in all our operations. If you require further assistance or have any additional questions, we encourage you to contact our compliance department at **************. Our team will be more than happy to help address any concerns you may have.

  Customer Answer

  Date: 05/16/2024

   I am rejecting this response because:
  
  They are saying I was admitted to a longhorn medical facility on 1/30/2021 and that is not true I never went to any doctor or hospital got any type of work done, and certainly didnt get anything in the mail either 

  

  Business Response

  Date: 05/17/2024

  As stated in the original response, we will provide validation documents to the consumer as soon as we receive it from the facility. After consumer receives and reviews the validation documents, if they still believe that this is a case of identity theft or fraud, please provide the following: Police Report, Identity Theft Fraud Affidavit and front and back copy of the government issued Identification.

• Initial Complaint

  Date:04/16/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received only text communication saying it was this company and to contact them at a different email address and different phone number from a website with a similar name. They provided an agency ID but you can only use this by also providing social security information. I called the website's phone number instead to verify legitimacy but they wanted personal information from me without being able to provide any proof or explanation of legitimacy. When I asked if I could instead receive something in the mail from them, the person refused to interact with me without receiving personal information from me. When I wouldn't provide it, they hung up. I'm now wondering if there is an account issue that I cannot be made aware of but I also now highly suspect this is a scam operation. I'd like to be able to determine which without risk of ruining my credit or providing personal information first that can be used for identity theft.

  

  Business Response

  Date: 04/16/2024

  I am writing on behalf of Central Portfolio Control to express our gratitude for giving us the opportunity to address your concerns. We understand the importance of resolving any issues or inquiries promptly and efficiently. Our compliance department reviewed the recording and determined that our agent handled the call professionally. To protect consumers privacy, it is our company and client policy to validate the consumer prior to disclosing sensitive and confidential information. The verification is done by the agent verifying the consumer name, address and the consumer provides one or the other; last for of the social security number or the date of birth. Central Portfolio Control followed all company, state, federal rules and guidelines. If you require further assistance or have any additional questions, we encourage you to contact our compliance department at **************. Our team will be more than happy to help address any concerns you may have.    

• Initial Complaint

  Date:04/11/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 11 Apr 2024, I received *** following text:Hi *************************, this is Central Portfolio Control, Inc. Please contact our office at ************ or online at www.paycpc.com using your AGENCY ID: **********. This communication is from a licensed Bill ********** Thank you. Text STOP to unsubscribe.I called and spoke with *******. He stated *************** was trying to collect a debt from me from March 2023. He knew my name, address and date of birth. I told him he had *** wrong person. I asked for all *** info about *** who *** company was trying to collect from me. He provided me with *** state.I looked up *************** online, found a phone number and spoke with a supervisor. The supervisor stated *** address on file for *** individual ***y are trying to collect from was not my address and she didnt know why Central Portfolio Control had *** wrong address.I called Central Portfolio back and spoke with *****. I told him ***y had *** wrong address and asked to speak to a supervisor because I wanted to know how Central Portfolio got *** wrong individual *** wrong address. He transferred me to *****. She was no help and transferred me to ****** whose attitude projected she didnt care CPC got it wrong. She said it would be put in dispute status.I ***n searched for *** individual that should have been contacted. In 5 minutes I confirmed her address and phone number. I sent *** information in a contact us form to CPC.I have absolutely no association with this individual.How is it that I am able to find *** correct person in 5 minutes searching online and CPC screws this up? I was told by CPC that my date of birth matches what CPC has on file. That is NOT *** date of birth of *** individual that owes money. I am 12 years older than her.

  

  Business Response

  Date: 04/11/2024

  I am writing on behalf of Central Portfolio Control to express our gratitude for giving us the opportunity to address your concerns. We understand the importance of resolving any issues or inquiries promptly and efficiently. Our agent spoke with the consumer and informed her that we have a wrong phone number. This is just a case of a similar name situation, where we are skip tracing for location information. If you require further assistance or have any additional questions, we encourage you to contact our compliance department at **************. Our team will be more than happy to help address any concerns you may have.

  Customer Answer

  Date: 04/13/2024

   I am rejecting this response because:
  
  The company response does not address any of my requests.

  Again, I want a written explanation as to 1.)how CPC got my information, 2.)how CPC got the wrong person, 3.)why I was asked if I brought someone in to the hospital when I thoroughly stated CPC had the wrong person and I had no idea about a baby named ******. I also want written confirmation that all of my information has been removed from CPC, there will be absolutely nothing on my credit report regarding CPC, and I will no longer be pursued for this debt.

  
  

  

  Business Response

  Date: 04/15/2024

  We stand by our pervious response. We provided sufficient explanation of what happened. This was a skip tracing issue and we were looking for location information. For further assistance please contact our compliance department at **************

• Initial Complaint

  Date:04/04/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been receiving calls from this company for several months. When I pick up there is no one there and if I send it to voice mail they do not leave a message. I know this is a collection company from ******* searching" the number. My assumption is this is for a medical bill. I would appreciate a copy of the validation information for the debt they are attempting to collect so I can determine if in fact I owe money.

  

  Business Response

  Date: 04/04/2024

  Central Portfolio Control appreciates you giving us the opportunity to address your concerns. Our compliance team reviewed the records for the phone number: ************** and determined that we are not attempting to reach ***************************. We have ceased the calls to the phone number **************. If you require further assistance or have any additional questions, we encourage you to contact our compliance department at **************. Our team will be more than happy to help address any concerns you may have.

  Customer Answer

  Date: 04/04/2024

   I am rejecting this response because: The response from Central Portfolio was that the debt they are referencing is not in my name and they would no longer be calling my number.  I received this response via email at 1:23 pm today.   Less than 1 hour later they are calling again, and now they are asking for my husband.  So here is what I want from the collections company. If the debt is in my spouse's name then we still want the same thing, send me validation of the bills in question, or stop calling!
  
  
  

  

  Business Response

  Date: 04/05/2024

  Central Portfolio Control appreciates you giving us the opportunity to address your concerns. As stated in a previous response we have ceased calls to the phone number that was provided. Due to the privacy policies and procedures we are unable to provide personal and confidential information (other then the consumer) without a consent or the power of attorney. For further assistance or any additional questions, we encourage the consumer to contact our compliance department at **************. Our team will be more than happy to help address any concerns.