rReceivable Management, Inc.October 21st, 2017Mrs*** *** *** *** *** *** *** ***Austin, TX ***RE: ID ***Consumer: *** ***I have reviewed the original complaint and our original response.ldo show that all concerns were addressedHowever,)would like to offer the same information in a different format to attempt to further address *** ***’s centralissues.Did not enter into an agreement with *** Ambulance.The agreement was made when the Ambulance service was provided by our client.We dId not provide Proof of the debt.An itemized statement was provided on 08/25/17, and again on 09/26/The amount of the debt, the name of the creditorand to whom the debt is owed are acceptable forms of validation according to the FDCPA (Fair Debt Collection Practice Act).We provided that, with additional information in the itemized statement.The account was placed on credit without validating the debt.We receive the account from *** on 07/07/17, a letter was mailed on 07/17/The request for validation and balancediscrepancy was received from *** *** on 08/21/We mailed the validation paperwork and marked theaccount as disputed on 08/25/17.The disputed account did not get reported to Experian until 09/06/According to the FDCPA, debt must not be reportedprior to days from the date of serviceThe transport date was 01/26/17, we reported after days.The balance we have is different than the EOB.*** is not contracted with ***, therefore the contractual discount listed on the EQS is not applicable.It is Receivable Management’s policy and practice to work with the consumer to reach a positive resolution on complaintsAsa courtesy we have sent a request for a credit deletion to Experian.We have sent a copy of this response and a copy of the credit deletion to *** ***.Sincerely,*** ***Collection Manager*** ***
*** ** *** *** *** *** *** *** *** *** * *** ***
rReceivable Management, Inc.September 21, 2017Mrs*** ***Revdex.com Corporate Office*** *** *** *** ***Austin, TX 78754RE: ID ***Consumer: *** ***Our management staff has conducted an investigation of the above-referenced complaint Our recordsindicate we received the
account for *** ***, on 07/07/17, with a service date ofJanuary 2017, and a balance of $1122.30.From July to August, we did send letters and made several attempts to contact *** ***
*** via phoneOn August 215t, 2017, we received a payment in the amount of $50.41, with a letterrequesting an itemized statement, due to the EOB only showing patient responsibility of $We didcredit the money to the account and mailed out an itemized statement, showing the details of thecharges.*** ***’s EOB from *** shows a contractual discountHowever, *** is notcontracted with ***, therefore the discount does not applyThe remaining balance of $isvalid and due at this time.It is Receivable Management’s policy and practice to work with the consumer to reach a positiveresolution on complaintsWe have mailed a copy of this response as well as another itemized statementto *** ***, and advised if they still feel there is a discrepancy in what they owe, tocontact *** to further validate the amount.Thank you for your time and please feel free to contact me with any questions or additional information.Sincerely,*** ***Collection Manager*** ***
*** ** *** *** *** *** *** *** *** *** * *** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. The business did not provide evidence of debt (i.e. a signed contract). Nonetheless, Experian shows that the negative entry has been deleted from my credit report.
Regards,
[redacted]
Hello, As a follow up to my previous e-mail earlier today, a debt is created by mutual agreement between creditor and debtor, i.e. a contract. There was never any such contract. In order for a business to legally report and maintain an entry at a credit bureau, it is my understanding that it must provide, upon request, proof of the debt (i.e. signed contract) between the parties. The business failed to provide the requested proof as there is no contract between the parties and as such no debt.Thank you,[redacted]
Complaint: [redacted]
I am rejecting this response because:Receivable Management, Inc. ("RMI") has failed to address the central issue in the complaint and, in addition, makes misleading statements.The central issue in the complaint was: patient did not enter into any contract with [redacted] Ambulance that created a debt.Patient requested that RMI produce evidence of debt, i.e. a contract between patient and [redacted] Ambulance or law/regulation establishing the cost of emergency ambulance services and assigning the cost to patient. Any such law/regulation would be binding on patient's insurance company, obligating the insurance company to reimburse [redacted] Ambulance.Instead of producing a contract or law/regulation, of which there is none to patient's knowledge, RMI sent patient an itemized bill, the amount of which was unilaterally determined by [redacted] Ambulance.Receivable Management, Inc. makes the misleading statement that patient requested an itemized bill. To the contrary, patient requested "the reasonable and/or legal basis for [[redacted] Ambulance] asserting entitlement to the proposed balance." Attached is the letter patient sent to RMI, which USPS indicates RMI received on 08/21/2017.Additionally, the itemized bill sent by RMI shows a due date that was in the future (09/24/2017) relative to the date on which an entry was made in patient's credit file (09/06/2017). That itemized bill is also attached.
Thank you,
[redacted]
rReceivable Management, Inc.October 21st, 2017Mrs*** *** *** *** *** *** *** ***Austin, TX ***RE: ID ***Consumer: *** ***I have reviewed the original complaint and our original response.ldo show that all concerns were addressedHowever,)would like to offer the same information in a different format to attempt to further address *** ***’s centralissues.Did not enter into an agreement with *** Ambulance.The agreement was made when the Ambulance service was provided by our client.We dId not provide Proof of the debt.An itemized statement was provided on 08/25/17, and again on 09/26/The amount of the debt, the name of the creditorand to whom the debt is owed are acceptable forms of validation according to the FDCPA (Fair Debt Collection Practice Act).We provided that, with additional information in the itemized statement.The account was placed on credit without validating the debt.We receive the account from *** on 07/07/17, a letter was mailed on 07/17/The request for validation and balancediscrepancy was received from *** *** on 08/21/We mailed the validation paperwork and marked theaccount as disputed on 08/25/17.The disputed account did not get reported to Experian until 09/06/According to the FDCPA, debt must not be reportedprior to days from the date of serviceThe transport date was 01/26/17, we reported after days.The balance we have is different than the EOB.*** is not contracted with ***, therefore the contractual discount listed on the EQS is not applicable.It is Receivable Management’s policy and practice to work with the consumer to reach a positive resolution on complaintsAsa courtesy we have sent a request for a credit deletion to Experian.We have sent a copy of this response and a copy of the credit deletion to *** ***.Sincerely,*** ***Collection Manager*** ***
*** ** *** *** *** *** *** *** *** *** * *** ***
rReceivable Management, Inc.September 21, 2017Mrs*** ***Revdex.com Corporate Office*** *** *** *** ***Austin, TX 78754RE: ID ***Consumer: *** ***Our management staff has conducted an investigation of the above-referenced complaint Our recordsindicate we received the
account for *** ***, on 07/07/17, with a service date ofJanuary 2017, and a balance of $1122.30.From July to August, we did send letters and made several attempts to contact *** ***
*** via phoneOn August 215t, 2017, we received a payment in the amount of $50.41, with a letterrequesting an itemized statement, due to the EOB only showing patient responsibility of $We didcredit the money to the account and mailed out an itemized statement, showing the details of thecharges.*** ***’s EOB from *** shows a contractual discountHowever, *** is notcontracted with ***, therefore the discount does not applyThe remaining balance of $isvalid and due at this time.It is Receivable Management’s policy and practice to work with the consumer to reach a positiveresolution on complaintsWe have mailed a copy of this response as well as another itemized statementto *** ***, and advised if they still feel there is a discrepancy in what they owe, tocontact *** to further validate the amount.Thank you for your time and please feel free to contact me with any questions or additional information.Sincerely,*** ***Collection Manager*** ***
*** ** *** *** *** *** *** *** *** *** * *** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. The business did not provide evidence of debt (i.e. a signed contract). Nonetheless, Experian shows that the negative entry has been deleted from my credit report.
Regards,
[redacted]
Hello, As a follow up to my previous e-mail earlier today, a debt is created by mutual agreement between creditor and debtor, i.e. a contract. There was never any such contract. In order for a business to legally report and maintain an entry at a credit bureau, it is my understanding that it must provide, upon request, proof of the debt (i.e. signed contract) between the parties. The business failed to provide the requested proof as there is no contract between the parties and as such no debt.Thank you,[redacted]
See Attachment
Complaint: [redacted]
I am rejecting this response because:Receivable Management, Inc. ("RMI") has failed to address the central issue in the complaint and, in addition, makes misleading statements.The central issue in the complaint was: patient did not enter into any contract with [redacted] Ambulance that created a debt.Patient requested that RMI produce evidence of debt, i.e. a contract between patient and [redacted] Ambulance or law/regulation establishing the cost of emergency ambulance services and assigning the cost to patient. Any such law/regulation would be binding on patient's insurance company, obligating the insurance company to reimburse [redacted] Ambulance.Instead of producing a contract or law/regulation, of which there is none to patient's knowledge, RMI sent patient an itemized bill, the amount of which was unilaterally determined by [redacted] Ambulance.Receivable Management, Inc. makes the misleading statement that patient requested an itemized bill. To the contrary, patient requested "the reasonable and/or legal basis for [[redacted] Ambulance] asserting entitlement to the proposed balance." Attached is the letter patient sent to RMI, which USPS indicates RMI received on 08/21/2017.Additionally, the itemized bill sent by RMI shows a due date that was in the future (09/24/2017) relative to the date on which an entry was made in patient's credit file (09/06/2017). That itemized bill is also attached.
Thank you,
[redacted]