Merchants Adjustment Service

Merchant Adjustment Services reported a collections actions to the credit agencies on July 13, 2020 for a bill that I paid on 01/30/2020.
I'm in the process of purchasing a home and during a routine check of my credit report on July 16, 2020, I noticed that Merchant Adjustment Services (MAS) had reported an unpaid medical bill balance to the credit bureaus. I immediately contacted MAS to notify them that they had made a mistake and that the entry must be removed from my credit report. MAS stated that there was nothing that they could do about it until the other parties involved: *** Imaging (PSI) and Management Services Network (MSN), notify them that the bill had been paid.

After the conversation with MAS, I immediately contacted PSI and MSN of the error and they confirmed that there was a $0 balance on the account and that MAS should not have reported this to the credit bureaus. PSI and MSN both notified MSA that their reporting was in error and that the entry to my credit report should be removed.

I contacted MAS on July 17, 2020 to verify that they had received written confirmation from PSI and MSN that the bill had been paid and the entry must be removed from my credit report. MAS confirmed that they had received the written confirmation and that they would proceed in removing the information from my credit report. Before ending the conversation with MAS, I requested that they send me a letter stating that the credit report filling was in error and that they notify the credit agencies immediately to have the entry removed.

As of this filing, July 23, 2020, I have not received the requested letter from MAS and they have not removed the entry from my credit report. MAS' failure to do is causing me a great hardship in qualifying for a home mortgage.

Filed a collection that wasn't mine. I have paid carolina radiology
Error credit reporting

MAS is reporting to the credit bureau on behalf of a company I never visit and I reach out to the company to ask how do I owe them they do not reply.
No one can provide me any documents that shows when I visit this company with there address. Or any documents to show the services I received from them but they are fraudulently stating I owe them 493.00 I would like this fraudulent account removed from my credit report and a document stated that is has been

MERCHANTS ADJUSTMENTS is reporting inaccurate information to the credit bureau.
After viewing my credit report, I am writing in regards to an inaccurate medical bill that is listed on Equifax, in the amount of $143. I have no knowledge of this medical bill, nor the company that it is associated with. I sent out a Certified VALIDATION letter to MERCHANTS ADJUSTMENTS on 2/2020. It is now 5/2020 I have yet to receive a response from this company.

Merchant Adjustment Services arrogantly and with deceptive intentions has repeated avoided my phone calls and request to settle a current collection.
Merchant Adjustment employee, Mr. have intentionally tried to strongarm me into paying off a collection debt by using tactics such as lying, deception, and intimidation/threats stating that he has been given command to only collect the full amount according to the *** office manager and Merchant Adjustment. I've spoken with the office manager from ***, and she informed that she had not spoken with anyone from Merchant Adjustment nor given instructions or any directions on the amount they must collect. I've called Merchant Adjustment every day from May 4th through today, May 18th requesting to speak to their office manager ***, at Extension 109 after unsuccessfully speaking to Mr., but to no avail. Also requested daily through her voicemail for her to call me back everyday after verifying from their company operator that she is currently at work and physically in the building.... nothing (no response) from her still to this date. Somehow Mr. knew that I have tried to contact his manger after unsuccessfully trying to resolve my debt by asking him are options available for less than the amount owed or what payment plans are available. Mr. refuse to speak to me in details about my account, but did take time to inform me that he just discovered through researching my name and address, that I have another account with them that should be in a collection status from Providence Hospital from 2016 and I should be aware that it could be reported to my credit file if not paid. I informed Mr. that I was not calling about any other account only the *** account. After spending two weeks trying to resolve the current debt with Merchant Adjustment I get email and phone notifications this past weekend that my credit file just took a hit (drop point in my credit file) from a new collection reporting an additional $1493 item hitting my credit. The new collection is from Providence Hospital and is being serviced by Merchant Adjustment as the debt collection representative. This collection was settled with Providence through my formal insurance company two and half years ago and successfully disputed to be removed 13 months ago from all 3 credit reporting agencies. Mr. and the office manager added this to my file out of spite. No one from Merchant Adjustment asked anything about this collection's overall status, Merchant Adjustment never asked had the account been paid in full, settled for less, or reported in error. I was not given an opportunity for a rebuttal response, out of nowhere I was blindsided with another negative mark only because I offered and requested to pay less than the full amount of $553 to ***. Merchant Adjustment business model seems to be at best, vindictive! If you don't pay what they want you to pay, they threaten you through disdainful practices that can easily infuriate anybody. Merchant Adjustment are fully aware of the damages that are inherited when collections are added to someone credit file. Mr. and *** are representing a debt collection company that have only displayed their lack of compassion for debt owners by being unsound in their business practices in customer service and professionalism.

Attempted to settle a debt and only asked for in writing what they would on their end before payment and they would not.
Made contact with them this morning about a debt that is most likely my sons since he has same name, I however offered to pay debt in full instead of disputing it. I only asked for email verification that they would remove from my credit if handled today. They refused saying noone in their company would say that but repeatedly said how reputable they are. Well if that reputable then I dont understand why couldnt send a document stating they would follow thru with what they were saying they would do. In my mind no that's not reputable at all.

Repeatedly assured by employee that mother does not owe a debt that has been turned over to them. We have been told they will get it straightened out.
My mother had dimaging performed at Lincoln Medical Center in November of 2017. Dr. *** Laymon was the radiologist that read the images. My mother is in an extremely limited income. Her insurance is medicare and Medicaid. When ever receives a bill for medical services because of her low income and dual insurance coverage. The ordered imaging was necessary because she had fractured vertebrae. Therefore, coverage was not denied because of lack of need for imaging. The hospital staff at which the services were provided has told us that billing errors are common with this physician. My mother had lost her vision and initial bills were missed. Mother was unaware of bills until she received a call from a collection agency. At that time my mother began calling her insurance and I communicated with the collection agency. Each time I spoke with a friendly gentleman by the name of Mr.. The first conversation consisted of me explaining the situation as described above. He assured me that he understood the dilemma and would "get it straightened out and and to worry about it". I was so relieved to have someone familiar with the process assuring us that it would not be an issue. A while later Mr. called my mother again. She asked him to call me. We talked. I explained the situation again and he said, "Oh yeah, I remember this conversation. Don't worry about it. I'll get it taken care of." I trusted that the first time was human error , that he had forgotten and trusted that he would definitely do as he promised this time. Several months later, my mother received another call from Mr.. She asked him to call me again. Up until this point I had not documented dates and times. However, I can obtain them from the debt collection company. When he called me again, we had an identical conversation as the second. He said "Oh yeah, I remember this conversation. Don't worry about it." I don't remember what else was said for me to verify that he would actually handle it this time. On March 2nd, 2020 My mother received a call from a lawyers office from a pre-litigation debt collection representative. She always informed that her bill had been turned over to lawyers. I called the office back for mother. I explained all of my conversations with Mr. and told them I would get more information from the debt collection agency and call them back. I called Mr.
on 3/3/2020 12:20
Mr. said he would have told me it was being turned over. to a lawyer. I told him I most certainly was never told that. He looked up his notes and bassinet he saw that he never told me because he said he was "going to forward a message to the office manager of the lawyers office. He told me not to call the lawyer that he was going to take care of it and get it squared away." I planned to call the lawyers office to verify that he had called them. However, I forgot to. My mother received another call from the lawyer's office on 3/11/2020. I called the office back and told them that Mr. had told me he was contacting them to get everything squared away. I told the representative that we needed to call Mr. via conference call to get this settled once and for all. The lawyer's office rep told me that she would put a hold on my mother's file and contact Merchant's adjustment service herself. I told her that I would be contacting them also. I called Merchants. Mr. answered. I told him that I need to speak to his supervisor. He asked who was calling. I told him my name and identified that I was calling for my mother and identified her by her name. He asked if he could help. I told him he most certainly could not. I told him that he had lied to me in multiple occasions and shame on me for falling for it repeatedly. He told me his supervisor is Mrs. a Byrd. That her extension is 109. He transferred me. I got her voicemail. I explained the situation and told her that I expect a resolution within 1 week.

They are trying to collect on a medical debt that was never approved nor billed to my Blue Cross nor never billed to me.
In October I received a collection notice from a Mr.Wills at Merchants Adjustment Service demanding payment of $441.00 for services rendered for medical testing I had done in 2019. The letter didn't explain any of this. I had to make some local calls to figure this out. Evidently this was for the doctors reading the test results.

I went through cancer treatments; chemotherapy and radiation, to the tune of $190,000 billed to my insurance and I personally paid $7,000 for co-pays in 2019.

At one point, an MRI had been scheduled but never pre-approved by the medical center and Blue Cross sent me a letter stating it had not been pre-approved and therefore I was NOT responsible for payment of any sort.

So there is nothing from the Blue Cross statements I received each month with a summary of any charges etc about these charges, and I never received any bills from this medical center.

I send all the Blue Cross statements along with a lengthy explanation to Mr. Mills asking for him to send me any proof that Blue Cross or I had ever been billed. All I got about 30 days later was the exact same letter with the exact same date, 12/17/19. With the second letter I resent my information with a second explanation letter again asking for any documentation to prove what they are asking.

Just today, March 5th, I got an alert from my credit monitoring company stating I had a collection on my credit and it needs attention.

So I really need your help to try and get to the bottom of this mess. I feel this was extremely poor service by them. they never sent me any explanation and and not it is in collections affecting my credit!!. If it is a legit bill it would have been paid had I received a bill.

Per the letter, if I dispute the claim, Merchants will gather and send me all information to validate the claim. but both times I have received NOTHING AT ALL.

I have worked very hard to build and maintain an excellent credit rating and I am sure as heck not going to let a measly $441. destroy that.

I have attached the Merchants letter. It seems I can only send one attachment but I will send you both letters I sent them if you want to see them.

Thank you

Failure to provide detailed billing and/or collection information
I sent a letter multiple times requesting verification of said debt in the amount of $430.01. I receive a generic printed off statement addressing me as a male, incorrect complete name, and my insurance information. Nothing else is given, which doesn't provide verification of anything. I have repeatedly asked for detailed billing information from this account and what insurance paid etc. I have contacted my insurance company and this bill was paid in full with nothing due for services rendered. I want this account deleted from my credit report on all 3 bureaus. This account has been paid number one, my information is incorrect number two, and they have failed to provide adequate billing to state I even owe (which I will contact my insurance company once again regarding this). This general printed off whatever you call it isn't enough information to validate this. Please remove from my credit report, send information I am requesting so that I can contact my insurance company once again.

Making a payment over the phone $5. Told I could do it online. Went in like still $5 fee and it won't show me the account.
I talked to a lady to see about this account in my credit. She said I could pay for the phone for almost a $5 fee. So I said no I wanted to look into it she said I could use the web page an pay. I went to the page and it wants me to pay before seeing a balance or any service data. Plus it's still wants to charge me almost a $5 fee.

Regarding an issue with a medical bill that I had an appeal on it Anthem who called recently to tell me it was decided in my favor
I have been disputing an invoice with *** imaging. Within the last two weeks I received a call from my insurance company telling me you sure was resolved in my favor. Because it was in my favor I have not thought about it. Today I rehearsed turn home from work and received a telephone call after business hours from an Alabama number. I return the call to find out what they were telling me that I owed. I did not receive an answer to that question instead of Rose at extension 113 hung up on me. I am left to sit here all night concerned about her threat to adversely affect my credit because they will not return my phone calls after they hung up on me and because I cannot get a hold of *** to find out what is going on. To me this is harassment and I want it stopped and I want to guarantee that they cannot adversely affect my credit. This is a secondary company trying to collect a pittance and other peoples difficulties

Harassing Phone Calls
This company is repeatedly calling my phone. This is a form of harassment and it needs to STOP. I googled the phone number and found out it is a debt collector. I have had to file for my identity being compromised and my social security number has been used. I am in the process of having quite a bit of stuff removed from my credit so there should be no reason why I should be getting bothered by any company like this. But then again this could be why. Either way I am sure it is illegal to constantly call someones phone repeatedly and I want this to stop.

Have rcvd no official mail or billing invoices of past due balance accounts. No adverse credit reporting by the 3 credit reporting agencies.
Have received numerous calls from this bill collection agency. Some voice messages were left but did not include a point of contact name or account #. Finally, received a call on 11/12/2019 at 9:24AM, from a Mr. *** stating he was from Merchant Adjustment Services, XXX-XXX-XXXX, and this was regarding a debt in collections. I made an attempt to call Mr. back regarding this debt and only receive a voice mailbox. I called MAS's main number and received only a voice mailbox as well. I have left a voice mail and have heard nothing back so far from Mr. or *** I have contacted all medical facility billing agencies I have visited in the last two years and all confirm there is no balance owed. Hopefully, this is a case where someone reported this "so-called" debt in error.

wrong credit reporting
I have no knowledge of this company or alleged debt. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Carolna Radiology A-EO
I got this bill I am 83 years old.I have always paid my bills.I have Medicaid and Medicare.So why am I getting this bill.Never got any other bill on this.

Very rude collection agency. Wanted to setup a payment plan and yet e lady was judging me and making comments such as "your wife doesn't work?"
When I called to setup a payment arrangement I was told "I can't stretch it out more than 3 months", "you stretch yourself too thin" and "what your wife doesn't work?" None of this is her concern when I just want a payment arrangement and to get this taken care of and yet someone who is supposed to help you and yet they have no idea what is going on medically and so inexcusable. Her last name is ***. After this I don't deserve to be treated this way at all and do deserve something from going through all this and the duress and stress it put me through since a medical bill is stressful enough.

I received a bill for $333.84 with no explanation as to what this bill is for. I've always paid my bills on time and I've never seen this bill before.
This bill appears to be fake. It came in a pre-sort envelope and the bill says it is already in collections. I will not pay anything that I don't have an explanation for and have never seen any other communications from this particular "merchants adjustment service." I looked them up online and saw that there are many complaints to the Revdex.com regarding this company.

A couple of months ago I was tricked into believing that a medical procedure that was paid for by a government grant was delinquent. I was sent invoices by regular mail and told false statements via phone in reference to a delinquent medical bill that I supposedly owed. I believed these people and set up payment arrangements. I was told over the recorded phone call that this bill was not reported to the credit bureau. Last month I checked my credit report and noticed that this company reported this fraudulent account to the credit bureaus. I immediately contacted my attorney who advised me that I was being scammed and that this company was in direct violation of HIPAA. Therefore, I sent a certified letter requesting for validation with competent evidence that I have any legal obligation to pay this account. Instead of receiving validation from this company, I received a personal typed letter with my medical procedures and other private medical information that was protected under HIPAA. There is NO CONTRACT between me and this company. I never signed a HIPAA release form of my medical information to them, therefore by providing such information to me proved that they are in VIOLATION of my HIPAA rights. Their response has also proved that Merchant Adjustment Services is in direct violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 {b} and the Fair Credit Reporting Act.

I will seek legal actions if this company continues to falsely associate me with this fraudulent medical bill. The law is on my side and I will win this one!!

Calling 2-3 times a day and not leaving message just seeing if someone will answer phone
July 31, 2019 received 2 calls from X XXX XXX XXXX MAS when you answer the phone you answer the phone it is a robocall

Collection agency wants payment for a debt that is not mine.
$241.62
Merchants Adjustment Service
*** Al XXXXX
XXX-XXX-XXXX

This company has listed a collection debt on my credit reports. I have never done business with this company or its affiliates. I have asked for a pay to delete via a certified letter and the company has failed to respond. I am requesting the debt be verified including what this bill is for.