Valley Credit Service, Inc.

Review: The company is trying to collect from me on behalf of [redacted]. This bill was for a service rendered to me by [redacted] in 2013, which was paid in full to the service provider (partly by my health insurance company [redacted] and my portion by me through my health savings account). Recently, I was applying for a bank loan, and the bank declined my application stating I have two medical debts on my credit report.........(the second debt also happens to be from [redacted], but with a different collection company). I called [redacted] to ensure the entire bill was paid, and they have confirmed I have no dues, but my account was possibly sent to Valley Credit Services in error. Valley Credit Services has reported this to the credit bureaus as a delinquent debt and my credit score has dropped from 820 to 677 since reporting it. My credit is terribly affected due to [redacted] and Valley Credit Services messing up at their ends, and someone needs to fix my credit back to how good it used to be. I have 15 years of credit history, over 10 revolving trade lines, paid off car loans..........and they destroy my credit with a phony $87 bill !!!!!Desired Settlement: Valley Credit Services must immediately delete this charge showing up as a delinquent debt from all the credit bureaus, and fix my credit score back to where it was (which was 820 FICO).

Business

Response:

Consumer was sent validation notice on 7/22/13. Consumer did not respond to our notice nor our phone messages until 12/12/2013. Consumer stated this account was paid in full at that time. We contacted our client on that same day and client validated the debt and said the account had not been paid and still past due. To advise consumer of our findings we subsequently called the consumer back numerous times from 12/12/13 to 9/22/14. Consumer failed to respond to any of our communications. 3/2/15 is the first time the consumer has responded since 12/12/2013. Consumer alleges the client told him he does not have a balance with them. As most creditors policy once an account is sent to collections they zero out the balance on their books which is standard accounting policy and he may have misunderstood what client communicated regarding the balance. Under the Fair Credit Reporting Act this account has been reported to [redacted] and [redacted] as disputed. If consumer will provide proof of payment and individual he spoke with at client we will be glad to reinvestigate his claim.

Consumer

Response:

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Please see how self contradictory the collections company's statements are:"Consumer was sent validation notice on 7/22/13. Consumer did not respond to our notice nor our phone messages until 12/12/2013. Consumer stated this account was paid in full at that time. We contacted our client on that same day and client validated the debt and said the account had not been paid and still past due. To advise consumer of our findings we subsequently called the consumer back numerous times from 12/12/13 to 9/22/14. Consumer failed to respond to any of our communications. 3/2/15 is the first time the consumer has responded since 12/12/2013. Consumer alleges the client told him he does not have a balance with them. As most creditors policy once an account is sent to collections they zero out the balance on their books which is standard accounting policy and he may have misunderstood what client communicated regarding the balance. Under the Fair Credit Reporting Act this account has been reported to [redacted] and [redacted] as disputed. If consumer will provide proof of payment and individual he spoke with at client we will be glad to reinvestigate his claim."

Yes, I called the service provider (or creditor as they say) once I received the collections notice and was told my balance is zero. Per the collection company, "as most creditors policy once an account is sent to collections they zero out the balance on their books" and so the creditor told me my balance is zero. Well, if that's the case, after my account was forwarded to this collections company and I called them on 12/12/2013 (which I do not recollect), how was the collection company able to contact their client and they validate that I had not paid and my account was still past due?Who am I supposed to believe? Am I to just pay because some collection company claims I have a debt when the service provider tells me I don't have a debt. All this medical billing is confusing enough......who am I to believe? Now the collection company says I need to provide proof of payment and name the individual I spoke to..........why don't they provide me with proof that I owe this debt in the first place, when the service provider told me I owe nothing.Regards,

Business

Response:

To further investigate consumers allegations we contacted [redacted], at our client on 3/2/15. She advised us this account remains unpaid as of 3/2/15. Consumer may contact Ms. [redacted] at ###-###-#### to verify balance due. Payments made were applied to consumers deductible and this is consumers balance. We have requested an itemized statement be sent to the consumer. Under HIPAA we cannot send this itemized statement to a third party(Revdex.com). We asked the consumer to provide us a name of whom he spoke with and proof of payment as a quickest resolution to this issue. Is consumer able to provide proof of payment?

Review: I spoke with the representative and they were unclear as to what would be done with the account once it was satisfied.Desired Settlement: Removed from credit report

Business

Response:

On 4/1/15 consumers spouse contacted the VCS representative and told our representative that this past due account was still on the credit file. The representative told consumers spouse that the account was paid in full and was submitted on 4/1/15 to be removed from the credit file and to allow time for the Credit Reporting Agencies to update their records. On 4/1/15 VCS sent [redacted] a request to delete this file from the consumers report. Credit Reporting Agencies have up to 30 days to update their records which is beyond our control. Consumer did not allow enough time for the CRA's to update their records.

Review: I was billed for a hospital stay in 2011. I received a bill from the hospital and neglected to pay the amount. The item went to collection after one notification. I have recently tracked down the collection agency as I found a collection item on my credit report. When I spoke to the represenative, while planning to make paymet, she told me that the last correspondence was in September 2012 - which was only one of two notifications for an attempt to collect debt. Further notifications should have been sent so I would be made aware of my obligation to pay. The result is a strike against my credit score for an item I was not aware of.Desired Settlement: Valley Credit Service should contact all credit agencies to reflect payments made today and a further payment to be made on August 22nd. The account status should reflect paid off. I feel this is a fair tradeoff for not alerting a person with a negative account. Only sending mail correspondence twice in the past 3 years is not acceptable when the impact is negative to one's ability to apply for credit, automotive, or residency loans.

Business

Response:

Consumer has more than one unpaid account with our agency from 2011 and does not reference which account is in question. As consumer has acknowledged in his complaint he received a notification from our client regarding the past due amount. Consumer has also acknowledged he received a collection notice from our client. Our client had no further obligation to send consumer notices as he failed to respond and failed to pay the past due amount although was aware of debt. Regarding the accounts placed with VCS, the consumer was sent notices on 1/6,/11, 7/6/11, 7/20/11, 9/15/11, 9/27/11, 12/6/11, 2/20/12 and 9/12 to the address provide by consumer in this complaint. None of these notices were returned by the USPS. Since January 2011 VCS has left 6 messages on his voice mail with no response. On 8/9/12 when consumer did answer phone he hung up on the representative. Consumer had VCS's address and phone number since January 2011 in which to contact us. Consumer alleges he was unaware of his obligation to pay although he acknowledges he received notices from our client about the past due debt and notice from VCS. VCS has been compliant under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. As a data furnisher under the Fair Credit Reporting Act VCS is required to accurately report consumers transactions and experiences with our client and VCS has been compliant with it's reporting under the FCRA.

Review: This is regarding a contract from 2005-2007. Over 30 days ago I contacted Valley Credit Services acct# [redacted] and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far they have not been able to provide such proof to me. I have followed-up with phone calls to the original creditor [redacted] at[redacted] and they said my 2 year contract started in July 18, 2005 ended in July 31, 2007. Valley Credit Services still has not sent me any proof of this debt from 2010/2011. I have attempted phone contact, but all I get is this is legitimate and it’s from [redacted] 2010. I was living in Whitehall [redacted] in 2010 and [redacted] from 2008-2010. [redacted] also contacted Valley Credit Services on my behalf and told them the debt was from 2007 and asked them to remove it; they still would not remove it from my credit. Valley Credit Services also started the original debt at 296, as of June 2013, they raised it to $428 when I contacted the credit bureaus to have it removed. Under the Fair Credit Reporting Act, if they cannot verify the debt within 30 days, then it must be removed. Also the debt must be reported to the credit bureau 180 days after its last delinquency, not 3 years later. The debt was paid Almost 7 years ago when my contract ended and I cancelled it and moved to [redacted] Virginia (120 miles away) and then to [redacted] and now [redacted].Desired Settlement: Valley Credit Services needs to update the information they have reported to the credit bureaus under my account. This is not from 2010/2011. [redacted] info is incorrect and Valley Credit Services need to prove this is accurate info which they will not be able to do so it must be removed. They have violated my rights under the FCRA.

Business

Response:

Our offices are in receipt of your notice of dispute pursuant to 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act. Please be advised we have contacted our client, [redacted] Winchester who has confirmed the name and amounts owed. Based on our investigation it is our position we have identified you as the correct consumer and amount owed for these accounts. In acknowledgement of your dispute, we have requested that consumer reporting agencies report the account as disputed. Consumer reporting agencies may take up to 30 days or longer to update reports and this is beyond our control. This account was placed with VCS, Inc. with the last transaction date or date of default as of December 17, 2010. Under the Fair Credit Reporting act VCS, Inc. has accurately reported this item to consumers credit file. A validation notice was sent to Ms. [redacted] on January 24, 2011 to the address provided my Ms. [redacted]. Consumer failed to respond to notice within 30 days and notice was not returned by U.S Post Office. There is a presumption of law that if a letter is not returned by the USPS it is deemed as delivered. Under the Fair Debt Collection Practices Act there is no duty to provide verification multiple times or after the 30-day validation period under 1692g has expired. However, an itemized statement was sent to consumer on July 9, 2013 to her current address. Federal Trade Commission regulation 16 C.F.R. 660.4(d) states a direct dispute must include:(1) sufficient information to identify the account or other relationship that is in the dispute, such as an account number and the name and address for the consumer, if applicable; (2) the specific information the consumer is disputing and an explanation of the basis for the dispute; and (3) all supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation may include a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information, a police report, a fraud or identity theft affidavit, a court order, or account statements. If consumer has paid this account in full we would ask consumer to provide us proof of payment so we may investigate. Our client has advised us that they are willing to accept $280.00 as settlement in full and to remove from consumers credit file once account has been satisfied.

Consumer

Response:

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. Per [redacted]’s [redacted] my 2 year contract started in July 18, 2005 ended in July 18, 2007 which I cancelled after relocating with my job, moving 100 miles away from the [redacted] VA gym and paying my last bill. [redacted]/ Valley Credit Services now claims that this debt is from 2010/2011. I have called up Valley Credit Services letting them know this needs to be corrected on my credit reports; This debt is not from 2010 or 2011. All I get is this is legitimate and it’s from [redacted] 2010. Valley Credit Service disputes to me claim to have "verified" the debt, but this is in fact not true under law. Of course the information matches up because I was a member, but the debt was paid almost 7 years ago when my contract ended and I cancelled it. I was living in [redacted] in 2010 and [redacted] from 2008-2010. If [redacted]s is stating I didn't pay in full, per the THE FAIR CREDIT REPORTING ACT, the debt must be reported to the credit bureaus 180 days after its last delinquency, not 3 years later. It also states in the contract that I signed in 2005 there is a "Buyers Right To Cancel" for relocation more than 25 miles away. It states that if you move more that 25 miles away from the home gym which was in [redacted] VA, I could cancel. I moved 100 miles away to [redacted] VA and [redacted] knew this because they contacted in [redacted] VA and this is when I paid my last bill. [redacted]’s [redacted] and Valley Credit Services then decides to re-age the debt and the credit bureaus are saying it will stay on my report until 2017. This is not fair and it’s against the law. Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence and in this case, this debt is NOT from 2010 or 2011; all the evidence they have point to 2007. I have tried contacting my bank but the account that I had while was living in VA was closed when I moved to [redacted] in 2008. The bank told me that if an account was closed, the records are kept for 3 years and then it drops out of their system. The item from Valley Credit Services needs to be removed from my credit report or re-dated to say July 2007 or 180 days later to say December 2007. Regards,[redacted]

Business

Response:

A validation notice was sent to consumer on January 24, 2011. Consumer failed to respond to notice within 30 days and notice was not returned by U.S Post Office. There is a presumption of law that if a letter is not returned by the USPS it is deemed as delivered. Under the Fair Debt Collection Practices Act there is no duty to provide verification multiple times or after the 30-day validation period under 1692g has expired. In 2011 VCS made phone attempts to contact consumer and left messages to call VCS with no response from consumer. Consumer was sent an itemized statement on July 9, 2013. In addition, On July 9, 2013 VCS spoke to [redacted] at [redacted]’s [redacted] and they have validated the debt owed by consumer and did not inform us to remove this account from consumers file. [redacted] did however advise VCS they would accept $280.06 as settlement in full of this account and would delete this account from consumers credit file once paid. The date of default for this account is December 17, 2010, was placed with VCS, Inc. on January 24, 2011 and was first reported to the credit reporting agencies on May 2, 2011, approximately 135 days after date of default. On July 1 2013 VCS, Inc., as a data furnisher under the Fair Credit reporting Act, reported this account as a disputed item to the credit reporting agencies. Consumer has had an opportunity to dispute this debt since first reported on May 2, 2011. Federal Trade Commission regulation 16 C.F.R. 660.4(d) states a direct dispute must include:(1) sufficient information to identify the account or other relationship that is in the dispute, such as an account number and the name and address for the consumer, if applicable; (2) the specific information the consumer is disputing and an explanation of the basis for the dispute; and (3) all supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation may include a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information, a police report, a fraud or identity theft affidavit, a court order, or account statements. VCS, Inc. is and has been compliant under the Fair Debt Collection Practices Act and Fair credit Reporting Act.

Review: Currently have active extended fraud alert and ID theft victim alerts on all 3 credit files(Equifax, Transunion and Experian) that began on April 10, 2007 and expires in 2014. Just checked my credit files and have new incorrect information reported. I have been a victim again. I have submitted a complaint via FTC.gov and submitted a new ID Theft Affidavit to all three credit bereaus within the past 10 days and disputed the all the incorrect information on credit files including this account, addresses, social security numbers, etc that has been falsely used. I have also submitted debt validation letters including to this company. I have a negative item on my credit reports from this company that is not mine and I want removed ASAP before I proceed with legal action. I fully aware of my rights with the FTC, FCRA, FDRA, etc. I want all negative information removed/deleted from all 3 credit files within 30 days. Collection of $71 shows for [redacted]

Business

Response:

Our offices are in receipt of your dispute pursuant to 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act. Please be advised that Valley Credit Service, Inc. has submitted to Equifax, TransUnion, Experian and CBC Innovis to remove the disputed account from your credit file. Please be aware that the credit reporting agencies may take up to 30 days to update their file which is beyond our control.

Review: I had a bill with the Rockingham Memorial hospital turned over to collections. I received the threatening letter from the collection agency and proceed to correct the issue. My initial contact was an ordeal and has continued. When you call you never and I mean never can reach a person. I leave many messages day after day on various voice mails and NO will call you back. Once because the payment would go thru I left a voice message asking for a call back and they ignored the call for several days. They eventually called when no payment went thru. Now I am in a position to pay this off. I am not sure of the balance because you never get a ready of what is remaining. No one returns the call. These people are dealing with you credit rating. Simply because they don't acknowledge the caller they are putting the persons situation in jeopardy. They are in the customer service business and are taking money with a threat to destroy your credit rating if you don't comply. Yet as the consumer I don't know if they are legit and they don't respond with any professional business would. I am concern. If I pay them off are they due to their lack of response. What type of business operates this way.Desired Settlement: a mere contact so I can get this paid off along with an acknowledgement of paid in full.

Business

Response:

VCS sent consumer a validation notice on 12/6/13 as required under FDCPA. VCS Sent consumer courtesy payment reminder notices on 3/7/14 and 4/7/14. VCS has spoken with consumer 10 times between 12/6/13 and 4/21/14. On 1/22/14 consumer advised VCS rep. she would make future payments online and has had the access to do so. Consumer may call ###-###-#### to speak to a representative to pay account or can pay on line as done prior. Once account has been paid in full and good funds received we can send consumer letter stating paid in full. This account has not been reported to any credit reporting agencies.

Consumer

Response:

I reviewed your respond from the business I filed the complaint with. All the report information was correct. My complaint was they would not return calls regarding questions that I had. They complaint followed by your phone call gave me my response. They called I was able to ask my questions regarding the complaint and my problem with them if satisfied.

Regards,

Review: Valley Credit Services had been reported on my Credit Report, I paid what I owed of $64.96 in October 2015, and notice that it has not been removed from my Credit Report. I have called several times [redacted], and [redacted], and the phone just rings, no one answers, and you cannot leave a message.Desired Settlement: Remove from Credit Report.

Business

Response:

Under the Fair Credit Reporting Act, (FCRA) Valley Credit Service, Inc. (VCS)is a data furnisher. Under the FCRA, as a data furnisher, VCS is not required nor obligated to delete a paid in full account from a consumers credit file. However, our client has authorized VCS to delete this account from the consumers file. VCS will submit a request [redacted] and [redacted] today, 12/15/2015, to remove this account from consumers file. Consumer reporting agencies may take up to 30 days to update their file and is beyond our control. [redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

Review: I was originally contacted from a (000)000-0000 number. I picked up the phone by responding hello, they asked to speak to me, I asked, may I ask who this is and they WOULD NOT identify themselves, yet they were the ones calling me. They were persitant on confirming if it was me or not and I even asked what it was in regards to. Still the person on the phone wouldn't identify anything so the call was ended. Another month goes by and the same number calls again and we continue to go through the same thing except this time I was a little frustrated that these people kept calling me from a bogus number and not idetifying themselves. I proceeded to tell them that it was the person they were asking for just to see who it was. [redacted] finally proceeded to tell me who it was and why they were calling . She stated she was calling for an collection. I later pulled my records and my bank statement showed that the payment had cleared and the business who turned the collection in also had a zero balance showing on the records. [redacted] couldn't give me ANY specifics as what she was trying to collect for other than that it was for a 34 dollar collection. After going through approx 5 months of checking and rechecking and trying to figure out what was going on myself as well as calling VCS and not getting any responses I get a call again from the 000 number at random, which by now I know who it is, [redacted]. I answered the phone with the same weird verication method they have and she proceeded to collect again. [redacted] stated she couldn't explain in detail why she was trying to collect other than it was for 34 dollars . I am frustrated now and am willing to send the bank statement to her but am concerned about sending her this information since it is sensitive and she can't even give me the courtesy of identifying herself. I wanted to solve the situation but she couldnt give me any details as to why she wants my hard earned money. The conversation was escalating on both sides of the phone now and I told her until I know what EXACTLY is going on I am not paying and it better not be on any credit report or I was gonna file a claim. [redacted] RUDELY ended the conversation by telling me she was filing it with the credit agency as soon she got off the phone as a threat and [redacted] hung the phone up on me. I then contacted the business that reported the collection and we dug to find out out there was poor system in place for billing. The person on the phone said they had been having problems with VCS previously and I know why. All the headaches could have been avoided if VCS clearly stated WHO and the details to the collection.Desired Settlement: VCS needs to retrain its employees on how to answer a phone by idetifying who they are, as well as the invasive process they use to try and collect. People are not willing to give people money if they do not know exactly what it is for.

Business

Response:

In response to consumers complaint about VCS representative "not identifying themselves." Under the statutes of the Fair Debt Collection Practices Act (FDCPA) the VCS representative identified herself and the company as required under the FDCPA. Under the FDCPA our representative could not divulge the full company name or nature of call until individual answering phone properly identifies themselves and we verify we are speaking to the consumer or authorized party. In listening to the phone recordings consumer refused to identify himself therefore we, under the FDCPA, could not divulge nature of call. Once our representative verified she had the right party she advised consumer of the past due amount and creditor owed. VCS representative did not provide specific details of debt as that is not provided to VCS when account was placed. Consumer claims he paid this debt and we followed up with client. When consumer contacted client he alleges the client told him there was no past due amount. When a client places an account with our agency they may write off the balance in their books or reflect a zero balance on their books. What apparently happened is consumer spoke to client and client told them they have a zero balance on their books. On May 15 we contacted our client and they validated the debt and advised VCS this account remained unpaid. When our representative called the consumer back he said he talked to client and said was zero balance and had bank statements to prove. VCS representative asked consumer to provide us with proof of payment and could do so buy fax and consumer said he would do so. The consumer then got aggressive, used profanity and threatened to sue VCS if we reported this on his credit. VCS representative asked consumer not to be aggressive and use abusive language. Consumer continued on so VCS representative had to end call. Consumer alleges VCS representative said "she was filing it with a credit agency" that is a false statement as the VCS representative never made that statement or statement to that affect. This account has not been reported to any credit reporting agency. As consumer acknowledged in compliant the debt was placed with VCS allegedly due to poor billing. Under the FDCPA the debt placed with VCS was valid. Consumer did pay this debt on 6/3/13 after he discovered was unpaid. In regards to consumers "Desired Settlement" VCS acted according to the FDCPA and management has addressed this occurrence with the employee. Mike Collins Vice President VCS, Inc NC Permit #[redacted]

Consumer

Response:

Due to the first few times the business contacted me they never revealed anything about themselves. I disagree with the fact that they could not even tell me what company it was trying to contact me yet they expect me to tell them who I am. That imediately sets a bad tone! This happened more than one time. Yes, I claimed the conversation was escalated on both sides but that is due to the lack of information that was provided on VCSs part. The balance was paid ONLY because I, not VCS, had to call and find out the nature and details. Had VCS been willing to state who they were and give full explanation as to what the balance was for (including the billing information) would have gladly paid the balance as did once had the full details, and YES, she did state that she was filing with the credit agency before hanging up on me. VCS should expect ill fated demeanor when they treat consumers.

Review: VCS has repeatedly refused to provide itemized billing statements with name of biller and account numbers. I have both verally and in writing, rather than respond and supply the requested information they responded with the threat that they have now placed these debts on my credit bureau. [redacted] is not the biller as they claim.Desired Settlement: Itemized statements with biller names and account numbers and contact information for all 4 debts VCS claims to have.

IMMEDIATE DELETION OF ANY CREDIT BUREAU REPORTING AS THESE DEBTS ARE NOT VERIFIED NOT JUST A DISPUTE OF THE LINE ITEM I WANT THEM DELTED. AS SOON AS I KNOW WHO AND WHAT I OWE I WILL PAY MY BILLS I HAVE WORKED WITH [redacted] AND MY INSURANCE TO PAY THE 42000 OWED AND ONLY VCS HAS REFUSED TO VERIFY INFORMATION

Business

Response:

On 11/9/2013 VCS sent consumer a validation notice and consumer failed to respond to notice within 30 days and notice was not returned by the U.S. Post Office. There is a presumption of law if the a notice is not returned it is deemed delivered. On May 20, 2014 in response to consumers first dispute letter VCS provided consumer the name and address of creditor, account numbers and balance due. On May 27, 2014 in response to consumers second dispute letter we again provided consumer the name, address, account numbers, dates of service and balances due. Consumer has the opportunity to contact the creditor directly. In consumers complaint she has acknowledged she knows of the creditor, our client, and "has worked with" this creditor. Consumers allegation that we have refused to provide her the creditors name and account numbers is without merit as we have provided consumer the name, address, account numbers, dates of service and balances owed to our client and consumer has acknowledged she has even worked with the creditor. We have asked the creditor to send consumer copies of the itemized statements. Under FTC regulation 16 C.F.R. 660.4(d) we have asked consumer to provide us the specific information she is disputing and explanation of the basis of the dispute. We have responded to both of consumers disputes and we have never refused to provide consumer any information as consumer has alleged in this complaint. VCS, Inc. is and has been compliant under the FDCPA and FCRA.

Review: Valley Credit Services has marked my credit report for an illegitimate charge. The company that originated that charge was [redacted] in[redacted]. I have confirmed with [redacted] that this account was current and should not have went to collections. I have attempted several times to contact Valley Credit Services to no avail. The telephone just rings and rings. I am currently in the home buying process and need this expunged from my credit report immediately to qualify for this purchaseDesired Settlement: I would like to have this collections statement expunged from my credit report immediately.

Business

Response:

Our client has informed us this account was placed with VCS, Inc. in error. The account has been closed and returned to our client and VCS, Inc. has ceased collection efforts. VCS Inc. submitted to Equifax, TransUnion, Experian and CBC Innovis to remove this account from consumers credit file. Please be aware that the credit reporting agencies may take up to 30 days to update their file which is beyond our control.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.Regards,[redacted]

Review: I have paperwork, phone conversations, 2 person wittness from who the debt is actually through as proof of inconsistent information and new charges/fees popping up. I have requested paper receipts mailed to me. They have not. I have asked to speak to office manager and am refused or transfered to a gentleman from a different office who has not helped. Who informed me I checked my credit to much and he would help get down to what is going on. He filed a complaint through [redacted] which I had already done. They refuse help and keep adding different fees. Give me numvers to call that are not connected to them. Transfer me when I ask them not to. Refuse to give me answers to my validated questions. Say I will get help in a couple of days. I say well the accounts are accruing interest. Her response is well its a small amount. On top of hundreds of dollars of fees they have already charged. I have amount in full to pay. Go to pay. A new amount of 248.71 shows up? I need help.Desired Settlement: This business is doing many illegal things. Ontop of not being notified along the way. To refuse me receipts of my payments and changing new amounts being reported to my credit. I need this fixed asap so I can pay off but do not want to pay what wasn't there the whole time we have been dealing with each other. Other need not this happen to them.

Business

Response:

Consumer had multiple accounts placed with VCS. Inc. Due to consumers continued failure to pay our client exercised their right to proceed with legal action. Judgment was rendered 08/26/13. Between 04/10/2013 and 02/10/2016 consumer had numerous conversations with representatives of VCS. On each communication consumer was advised of status of account and balances due. Consumers allegation VCS refused to help or answer any questions is baseless and without merit. Consumer made payment arrangements on the accounts and first payment by check was returned insufficient funds, NSF fees were applied, consumer was notified of NSF and fees. To address consumers demand for receipt of payment VCS is not required by law to provide receipt of payment nor is our policy. Consumer made payments by credit card and check. Copy of canceled check or credit card statement is considered legal receipt of payment. To address consumers allegations on credit reporting. VCS, Inc. is a data furnisher under the Fair Credit Reporting Act (FCRA) and required to accurately report consumers transactions and experiences with our client. These accounts were first reported to consumers credit file on 05/01/2013 as required under FCRA. On 09/03/13 these accounts were reported as disputed as required under FCRA. Regarding consumers allegations on new amounts on her credit report. As a data furnisher under the FCRA we are required report balance updates. Consumers claim that our representative filed a complaint with [redacted] is false. As a data furnisher we cannot file a complaint on the consumers behalf and representative advised me he made no such statement to consumer. At all times consumer has been properly notified of status of accounts and balances due. Any fees or interest assessed were allowable by law. Consumers accounts are now paid in full as of 02/10/2016, withstanding any payment(s) that may be returned, if any. As a data furnisher VCS will report these accounts paid in full as required under the FCRA. VCS, Inc. is and has been compliant with the Fair Debt Collection Practices Act and Fair Credit Reporting Act. Consumers allegations of "illegal things" is baseless and without merit.

Consumer

Response:

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Most of their comments are baised on the beginning 2013 proceedings. Which I was unaware of but am not disputing. I have recordings of 2 different poeple giving me 3 different reasons for a 39.** amount. First was a remander amount of 241. When I called in 2015/2016 tobpay amount in full. My charge was for 280 including fees and interest on the full 241 amount. My questions I wanted answered on this has yet to even be addressed and is where my dispute is. The other reason for this 39 amount was said to be a bounced check (which I am neither confirming nor denying because it was not my check.) Also the third reason for this amount was a separate 39 dollar bill in itself. I have these recorded and 2 separate companies of which my medical debt was through who were told 2 of these reasons on the wxact same day. I have requested reciepts in regards to what my payments have went to in detail so I can either agree with them or shiw a mistake was made. However, I am refused help. When asked not to be transferred and to speak with a manager I am denied. When asked to leave voicemail I was told mabager does not have one. When asked to handwrite a message for manager they refused to. All of this is recorded and I can prove it so there is merit. I was told yesterday that the manager was out then received call from [redacted] who was helping me and said she just talked with her. My issue is the lack of answering questions, a lack of giving me rightful procedures to follow to complain on one in offuce person in paticular who transfered me twice when I ask to please not to. How can I deny nor agree to this debt when they refuse to address any of it? My first concerns popped up when new amounts arose. Im not saying they havent been there the whole time. Im saying they were not in the amount when I myself first tracked vcs down inb2015 to start paying my debt off. I asked to pay 2 lowest amounts first. That 39 was not mentioned. Later it shows up.I call just asking for more details and that is when I was transferred out of office, not guven proof of payments to certain accounts, and the run around in regards to any manafer of any kind. They made a issue when they have failed to give me proof of all this new stuff. So yes I wanted more details befire paying off. I am not satisfied with there answer. Especially with the no merit comment when I do have recorded, written, and person wittness (from who they deal with personally not me.)

Regards,

Review: I took my last medical treatment in Feb 2007 from [redacted]., [redacted] Ph:###-###-####. This account has been transferred to a collection agency Valley Credit Services, Inc, [redacted] Ph: ###-###-####.

This collection agency is now trying to collect this debt, and sending me "Patient Registration Form" and asking me to pay this debt which I had signed on 05/10/2006. This company has been constantly reporting and hurting my credit score, and have reported a collection account since April 2012. I was shocked when I was turned down by a creditor based on this collection, and that is when I pulled my credit reports and saw this entry in all my 3 Credit Reports. Original Creditor should have notified me before transferring my account to this Collection Agency. This collection agency has send me a "Patient Registration Form" signed by me on 05/10/2006 after 9 years, which has passed the Statutes of Limitation both in VA where I got the treatment and in FL where I currently live. I dont recall of any payment agreements made with this Collection Agencies or original Creditor. But some how this Collection Agency started reporting on my credit file April 1st, 2012. This is not the best practice to collect an old or so called Zombie debt, by changing the original debt date.Desired Settlement: I would like to remove this Collection Account from my credit file from all the 3 Credit Bureaus: 1) [redacted] 2) [redacted] 3) [redacted]

Business

Response:

Consumer made payments on account from 3/8/07 - 12/6/11.Consumer defaulted on the payment agreement she had with our client and consumers last date of delinquency was as of 12/06/2011. As requested by consumer we sent her an Affidavit from our client validating the debt, itemized statement of account and signed copy of Patient Registration Form acknowledging consumers financial responsibility. Consumer had been making payments to our client thus was aware of debt. Our client tried to contact consumer regarding the past due account. VCS made numerous phone attempts since April 2012 and left several messages and consumer failed to return any calls. A validation notice was sent to consumer on April 11, 2012. Consumer failed to respond to notice within 30 days and notice was not returned by U.S Post Office. There is a presumption of law that if a letter is not returned by the USPS it is deemed as delivered. Under the Fair Debt Collection Practices Act there is no duty to provide verification multiple times or after the 30-day validation period under 1692g has expired. Consumer is incorrect regarding her allegations about the statute of limitations. The statute of limitations is not governed by the date on a Patient Registration Form it is governed under the Fair Credit Reporting Act, specifically Section 605(c)(1) that the date of delinquency defines the start of the reporting period and the last date of delinquency, being 12/6//11. The 7-year period referred to in paragraphs (4) and (6) 3 of subsection

(a) shall begin, with respect to any delinquent account that is placed for collection (internally or by referral to a third party, whichever is earlier), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

Consumers allegation that the original date of debt was changed is false and without merit.

This account has been reported to the credit reporting agencies as a disputed debt. Consumer has been provided verification of debt as required under the FDCPA and VCS, Inc. is and has been compliant under the FCRA.

Consumer

Response:

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Regarding a Validation Notice, I received the first notice few weeks back from now, even that, after calling Valley Credit Services, and requesting them to share me the agreements and bills, for the amount they are claiming through my credit report. A nice lady did listened to me and mailed me those documents. If I would have received this before, I would have reacted before. I am still requesting a signed document stating "I agree to any of the formal payment plans or any installment plans for $XXX.XX" offered by "[redacted]" or "Valley Credit Services". Patient Registration Form does not show any balance I owe/d and I use to always pay my copay share at the reception. I am a MS patient, under medications and not properly recalling this situation. I would appreciate, if I can see any documents stating I have agreed to any payment plans for the total amount owed other than copay. Regarding payments which I had made, I was seeing different doctors and hospitals, and at all these places my credit card number was on file. I dont even recall of some charges and payments I had made. That is the reason, I am just making a simple request, "Please provide me a document, where I acknowledge $XXX.XX amount for the medical treatment I have taken and I agree, to pay this $XXX.XX amount".

Regards,

Business

Response:

As stated previously consumer was sent a validation notice on 04/11/12 and the notice was not retuned nor did consumer respond to notice. A second notice was sent to consumer on 10/06/12 and notice was not returned nor did consumer respond to second notice. There is a presumption of law if a notice is not returned by the USPS it is deemed delivered. We cannot control the USPS nor consumer failing to provide a change of address or forwarding address to USPS, if consumer moved. In addition VCS left numerous messages for the consumer call us regarding the debt and consumer failed to return any of our call. VCS has satisfied its obligations under the FDCPA regarding notification of debt. To address consumers comments about a payment plan or agreement. Because consumer made regular monthly payments and client accepted those payments there was an "implied" agreement. Although the payment in full was due from consumer the client generously accepted and allowed the consumer to make minimum monthly payments.. The consumer acknowledged the services rendered and the debt by making those monthly payments. You will also see the client only placed the account in collections when the consumer stopped making the payments to the client. The consumer has been provided an itemization of charges and payments. copy of services rendered and a copy of the Patient Registration Form signed by consumer dated 05/10/06. In that Patient Registration Form signed by consumer it clearly states "I am financially responsible for all services rendered. I agree to pay attorney fees associated with collections, and all other costs of collections, in the event of default." The Patient Registration Form is the consumers acceptance of services and financial responsibility. As stated in prior response under the Fair Credit reporting Act the statute of limitations does not commence when a consumer signs a "registration form". Section 605(c)(1) of the FCRA specifically defines the start of the reporting period and the last date of delinquency. The 7 year period referred to in paragraphs (4) and (6) of subsection (a) shall begin, with respect to any delinquent account that is placed for collection (internally or by referral to a third party, which ever is earlier), charge to profit and lessor subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge off to profit and loss, or similar action. That being said when consumer stopped making payments as of 12/6/11 that is the last date of delinquency under the aforementioned statute therefore VCS is compliant under the FCRA. Regardless consumer received benefit of services. agreed to pay for those services, has failed to pay for those services therefore the account went into default. VCS will certainly work with the consumer in setting up acceptable payment arrangements to satisfy this debt. As a data furnisher under the FCRA and consumer has disputed this debt VCS has reported this as a disputed debt as required under the FCRA.

Consumer

Response:

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I am still requesting a signed document stating "I agree to any of the formal payment plans or any installment plans for $XXX.XX" offered by "[redacted]" or "Valley Credit Services". If they are trying to collect on basis of Patient Registration Form, that was signed in 2006, does not show any balance I owe/d. I would appreciate, if I can see any recent documents other than from 2006 stating I had agreed to any payment plans for the total amount owed other than copay. "Please provide me a document, where I acknowledge $XXX.XX amount for the medical treatment I have taken and I agree, to pay this $XXX.XX amount". 1) I am requesting to see the detail treatment and their corresponding charges and any authorization/certification where I state I am responsible to pay these charges.2) If above document is available from VCS, and I have agreed to their payment plans or monthly payment plans, please provide me that. I can see above two and discuss with Original Creditor and can come to conclusion.Other than that I am only see a signed form (Patient Registration Form) which is dated 05/10/2006. Based on this I consider this debt is too old to get reported on my credit file. VCS states I owe debt, but I am not getting the above documents or any agreement I made recently to accept charges from 2006. I am also contacting Local Governing bodies and attorney, to seek their advice and help in this.Below is what I was able to find from Virginia Legislative Information System:https://leg1.state.va.us/lis.htmG. Effect of new promise in writing1. If any person against whom a right of action has accrued on any contract, other than a judgment or recognizance, promises, by writing signed by him or his agent, payment of money on such contract, the person to whom the right has accrued may maintain an action for the money so promised, within such number of years after such promise as it might be maintained if such promise were the original cause of action. An acknowledgment in writing, from which a promise of payment may be implied, shall be deemed to be such promise within the meaning of this subsection.2. The plaintiff may sue on the new promise described in subdivision 1 of this subsection or on the original cause of action, except that when the new promise is of such a nature as to merge the original cause of action then the action shall be only on the new promise.If VCS is able to provide new promise date signed by me other than the one from 2006, I would be happy to review that and talk to Original Creditor/VCS and get this rectified. If not they have to stop reporting on my Credit File.

Regards,