The consumer states he has no knowledge of the account and requests documentation.? He also appears to be alleging fraud.? We note that this same consumer filed a similar complaint in March as Revdex.com # [redacted] .? In response to that complaint, we stated the following: "The consumer alleges he is not responsible for an account listed with our officeHe does not state why he believes he is not responsibleHe requests verification of the debt within daysWe have verified with the creditor that the amount is dueWe mailed verification of the account to the consumer todayIf the consumer would like to provide specific information to us on why he is not responsible, he may mail it to: [redacted] ***Upon receipt of that information, we will investigate further."When we received this new complaint, we once again forwarded the itemized statement to the consumer.? If the consumer believes the account is due to fraud, he should provide our office with a fraud/identity theft affidavit so that we may forward it to the creditor for review and investigation.? The account has not been submitted for credit reporting by this office
The consumer states a fraudulent charge was made to her debit card, the account related to the charge was placed for collection and the account appeared on her credit report.? First, we do apologize that the account ended up being reported.? When the consumer called us, as she stated, we ceased all collection efforts, but did not follow our process on preventing an account from reporting.? We are addressing that issue internally with the employee involved in that.? Second, when we received this complaint, we did submit a request for removal of the account from credit reporting and sent a letter to the consumer notifying of the steps taken.? If the account remains on the consumer's credit report, the consumer should contact our Compliance Department and we will take any additional steps necessary to address the issue.? Finally, the creditor did contact us last week and informed us that we should close the account due to fraud, which step we had already taken
Please accept our apologies for not responding to this complaint in a timely fashion The consumer states an account we were collecting was paid to the creditor The consumer did tell us in a phone call that she believed the account was paid As of the time of this response, we do not have confirmation that the account is paid Based on the circumstances, we are requesting that the account be removed from the consumer's credit report If the creditor determines that an amount remains due, we will contact the consumer and let her know.The consumer also makes general allegations regarding other accounts As the consumer does not specifically identify a particular issue with any account or accounts, we are not able to respond to the general allegations We also note that a recent account was placed for this same creditor and the consumer does mention that account The consumer states we put that account (she refers to it as a $and some change account) on her credit report We have not and will not be reporting that account to the credit bureaus If the consumer has something showing this account is on her credit report, she should mail that to our office (SCSI, Attn: [redacted] ***)
We understand the consumer would like calls to the two telephone numbers the consumer provided in the complaint to cease.? We will not contact those two numbers.? ?
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] 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, Claudia [redacted]
The consumer claims she is receiving calls regarding a credit card She further states she does not have any debt It is possible the consumer has our office confused with someone else Our office does not collect on any credit card debt We further do not show any calls to or from the telephone number provided by the consumer in this complaint However, we did speak with this consumer in August, 2015, regarding a medical account placed with our office In that discussion, she gave us permission to speak with her father regarding the account At that time her father entered into an arrangement to make payments on the account In addition, in July, 2016, a new account was placed in our office for this same individual We have received one payment on that account But, again, we did not call or speak with the consumer at the telephone number provided in this complaint If the consumer has additional information regarding the time and date of the calls, she may certainly provide it to our office for further review
We thank the consumer for providing the additional information We now have something we can present to Trans Union We will contact Trans Union to determine why the account was not removed when we requested removal We will report that information to the consumer once we receive it
The consumer claims that he paid the full amount of an account we were collecting directly to the creditor and requests removal of the account from his credit report The creditor did report the payment to our office on October 6, The new balance on the account would have been reported to the credit reporting agencies The new balance on the account was the interest that had accrued as allowed by the creditor and the law We have written off the interest and requested removal of the account from the credit reporting agencies
The consumer alleges an account is on her credit report and requested information from us concerning the account.? She further claims she never received the requested information.? She requests removal of the account from her credit report.? As to her claims, we received a written dispute from the consumer on May 26, 2017.? We updated the address on the account based on her letter and requested the creditor to provide us information related to her dispute.? On or about June 5, 2017, we mailed the consumer an itemized statement provided to us by the creditor.? It was mailed to the address the consumer included in her dispute.? On or about July 1, 2017, the account was cancelled and returned to the creditor.? As the account was cancelled and returned to the creditor, we made a request to the credit reporting agencies to delete the account from the consumer’s credit report.? It can take up to days for the request to delete to be reflected on the consumer’s credit report.? If after days the account remains on her credit report, she should contact our office so that we can look into the issue
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response letter sent to me by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***
[A default letter is provided here which indicates your acceptance of the business's response.? If you wish, you may update it before sending it.] 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] ***
As indicated in our prior response, we request deletion from credit reporting on paid accounts.? We are not requesting removal of accounts from credit reporting that are not paid under these circumstances.?
[A default letter is provided here which indicates your acceptance of the business's response.? If you wish, you may update it before sending it.] 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.? If, however, the company does not follow through with what they have claimed they would do in their response, I fully intend to contact the Revdex.com againI hope this matter can be resolvedI will provide the company with proof of insurance as requestedHowever, I did in fact contact the company on every occasion that I stated and truly resent their claims to state I didn't Regards, [redacted] ***
The consumer claims that we have not been communicating with her.? We are perplexed by this complaint.? As the consumer references, there were basically two sets of accounts she was working with us on.? Regarding the first set of accounts, we exchanged numerous emails with the consumer.? In one of? her responses dated 2/2/17, the consumer stated: "Thank you for the constant communication."? In the second set of accounts, we again sent many responses? to emails.? Apparently, the consumer did not receive our numerous communications in response.? However, the consumer, today, at 1:p.m., in response to our communications, said: "Thank you very much!"? Accordingly, we believe we have been responsive? to the many consumer requests.? ?
The consumer alleges that a written authorization is required in order for a creditor to release protected health information to a collection agency and requests that credit reporting cease to allow him time to validate the debt As to the consumer’s understanding of HIPAA and the release of information, HIPAA allows the use and disclosure of protected health information for the purpose of collection The amount of information used or disclosed is limited to the minimum necessary to, in our case, collect the account In fact, the consumer concedes he is aware that HIPAA does allow the release of “limited” information Further, the consumer admits he asked us “to validate the alleged debt.” When the consumer made the request to us to validate the debt, he made it necessary for us to obtain and use, and the creditor to disclose, additional information, like the itemized breakdown of services rendered that the consumer acknowledges receiving So, the limited information (the minimum necessary) we could use and disclose before the request for validation expanded (the minimum necessary increased) because the consumer made it so As to the consumer’s request that credit reporting cease, we are not under any obligation to cease credit reporting under these circumstances
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below This response is not a satisfied response from the State Collection ServiceAs they acknowledged that the University of Washington Physicians haven't concluded yet - in the process to correct the code mistake, the State Collection Service company should drop the case immediately and clear all my information from their system and clean out all things they've done against me Regards, [redacted] ***
The consumer states an account was paid.? Upon receipt of the complaint, we verified with the creditor whether payment was made.? We confirmed that the account was paid directly to the creditor after placement with our office.? The payment has now been applied to the account and our system reflects a zero balance.? The account has been requested to be removed from credit reporting
[A default letter is provided here which indicates your acceptance of the business's response.? If you wish, you may update it before sending it.] Revdex.com:The Collection company should have never sent a collection letter to the consumer to begin with? As they note, they did research and found out that the accounts were already closed? Therefor, they should have never sent out a letter? That is against the law.? I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that the business should be punished for sending out letter to consumer to begin with without having their facts.? Regards, [redacted]
The consumer claims that we told her we would delete an account from her credit report if she paid it We do record all of our calls We reviewed the call in question We did tell the consumer we would update her credit file It appears from her complaint that her credit file was updated showing a paid collection That is accurate It now appears that the consumer would like the account removed from her credit report Under the circumstances, we will request deletion
The consumer states he believes the account we are collecting was paid, that he had requested an itemized statement and that he had not yet received an itemized statement The consumer did contact us by email on March 29, requesting an itemized statement for an account that had been placed in our office for collection on September 27, We let him know by email on March 30, that we were requesting the itemized statement and that it could take up to days to receive On June 21, the consumer notified us by email that he had not yet received the itemized statement On June 22, 2015, we notified the consumer by email that we did not have the itemized statement to mail to him but that we were requesting deletion of his account from credit reporting We apologize that the itemized statement was not provided in a time frame that we prefer We will mail the itemized statement to him once we receive it from the creditor
The consumer states he has no knowledge of the account and requests documentation.? He also appears to be alleging fraud.? We note that this same consumer filed a similar complaint in March as Revdex.com # [redacted] .? In response to that complaint, we stated the following: "The consumer alleges he is not responsible for an account listed with our officeHe does not state why he believes he is not responsibleHe requests verification of the debt within daysWe have verified with the creditor that the amount is dueWe mailed verification of the account to the consumer todayIf the consumer would like to provide specific information to us on why he is not responsible, he may mail it to: [redacted] ***Upon receipt of that information, we will investigate further."When we received this new complaint, we once again forwarded the itemized statement to the consumer.? If the consumer believes the account is due to fraud, he should provide our office with a fraud/identity theft affidavit so that we may forward it to the creditor for review and investigation.? The account has not been submitted for credit reporting by this office
The consumer states a fraudulent charge was made to her debit card, the account related to the charge was placed for collection and the account appeared on her credit report.? First, we do apologize that the account ended up being reported.? When the consumer called us, as she stated, we ceased all collection efforts, but did not follow our process on preventing an account from reporting.? We are addressing that issue internally with the employee involved in that.? Second, when we received this complaint, we did submit a request for removal of the account from credit reporting and sent a letter to the consumer notifying of the steps taken.? If the account remains on the consumer's credit report, the consumer should contact our Compliance Department and we will take any additional steps necessary to address the issue.? Finally, the creditor did contact us last week and informed us that we should close the account due to fraud, which step we had already taken
Please accept our apologies for not responding to this complaint in a timely fashion The consumer states an account we were collecting was paid to the creditor The consumer did tell us in a phone call that she believed the account was paid As of the time of this response, we do not have confirmation that the account is paid Based on the circumstances, we are requesting that the account be removed from the consumer's credit report If the creditor determines that an amount remains due, we will contact the consumer and let her know.The consumer also makes general allegations regarding other accounts As the consumer does not specifically identify a particular issue with any account or accounts, we are not able to respond to the general allegations We also note that a recent account was placed for this same creditor and the consumer does mention that account The consumer states we put that account (she refers to it as a $and some change account) on her credit report We have not and will not be reporting that account to the credit bureaus If the consumer has something showing this account is on her credit report, she should mail that to our office (SCSI, Attn: [redacted] ***)
We understand the consumer would like calls to the two telephone numbers the consumer provided in the complaint to cease.? We will not contact those two numbers.? ?
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] 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, Claudia [redacted]
The consumer claims she is receiving calls regarding a credit card She further states she does not have any debt It is possible the consumer has our office confused with someone else Our office does not collect on any credit card debt We further do not show any calls to or from the telephone number provided by the consumer in this complaint However, we did speak with this consumer in August, 2015, regarding a medical account placed with our office In that discussion, she gave us permission to speak with her father regarding the account At that time her father entered into an arrangement to make payments on the account In addition, in July, 2016, a new account was placed in our office for this same individual We have received one payment on that account But, again, we did not call or speak with the consumer at the telephone number provided in this complaint If the consumer has additional information regarding the time and date of the calls, she may certainly provide it to our office for further review
We thank the consumer for providing the additional information We now have something we can present to Trans Union We will contact Trans Union to determine why the account was not removed when we requested removal We will report that information to the consumer once we receive it
The consumer claims that he paid the full amount of an account we were collecting directly to the creditor and requests removal of the account from his credit report The creditor did report the payment to our office on October 6, The new balance on the account would have been reported to the credit reporting agencies The new balance on the account was the interest that had accrued as allowed by the creditor and the law We have written off the interest and requested removal of the account from the credit reporting agencies
The consumer alleges an account is on her credit report and requested information from us concerning the account.? She further claims she never received the requested information.? She requests removal of the account from her credit report.? As to her claims, we received a written dispute from the consumer on May 26, 2017.? We updated the address on the account based on her letter and requested the creditor to provide us information related to her dispute.? On or about June 5, 2017, we mailed the consumer an itemized statement provided to us by the creditor.? It was mailed to the address the consumer included in her dispute.? On or about July 1, 2017, the account was cancelled and returned to the creditor.? As the account was cancelled and returned to the creditor, we made a request to the credit reporting agencies to delete the account from the consumer’s credit report.? It can take up to days for the request to delete to be reflected on the consumer’s credit report.? If after days the account remains on her credit report, she should contact our office so that we can look into the issue
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response letter sent to me by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***
[A default letter is provided here which indicates your acceptance of the business's response.? If you wish, you may update it before sending it.] 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] ***
As indicated in our prior response, we request deletion from credit reporting on paid accounts.? We are not requesting removal of accounts from credit reporting that are not paid under these circumstances.?
[A default letter is provided here which indicates your acceptance of the business's response.? If you wish, you may update it before sending it.] 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.? If, however, the company does not follow through with what they have claimed they would do in their response, I fully intend to contact the Revdex.com againI hope this matter can be resolvedI will provide the company with proof of insurance as requestedHowever, I did in fact contact the company on every occasion that I stated and truly resent their claims to state I didn't Regards, [redacted] ***
The consumer claims that we have not been communicating with her.? We are perplexed by this complaint.? As the consumer references, there were basically two sets of accounts she was working with us on.? Regarding the first set of accounts, we exchanged numerous emails with the consumer.? In one of? her responses dated 2/2/17, the consumer stated: "Thank you for the constant communication."? In the second set of accounts, we again sent many responses? to emails.? Apparently, the consumer did not receive our numerous communications in response.? However, the consumer, today, at 1:p.m., in response to our communications, said: "Thank you very much!"? Accordingly, we believe we have been responsive? to the many consumer requests.? ?
The consumer alleges that a written authorization is required in order for a creditor to release protected health information to a collection agency and requests that credit reporting cease to allow him time to validate the debt As to the consumer’s understanding of HIPAA and the release of information, HIPAA allows the use and disclosure of protected health information for the purpose of collection The amount of information used or disclosed is limited to the minimum necessary to, in our case, collect the account In fact, the consumer concedes he is aware that HIPAA does allow the release of “limited” information Further, the consumer admits he asked us “to validate the alleged debt.” When the consumer made the request to us to validate the debt, he made it necessary for us to obtain and use, and the creditor to disclose, additional information, like the itemized breakdown of services rendered that the consumer acknowledges receiving So, the limited information (the minimum necessary) we could use and disclose before the request for validation expanded (the minimum necessary increased) because the consumer made it so As to the consumer’s request that credit reporting cease, we are not under any obligation to cease credit reporting under these circumstances
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below This response is not a satisfied response from the State Collection ServiceAs they acknowledged that the University of Washington Physicians haven't concluded yet - in the process to correct the code mistake, the State Collection Service company should drop the case immediately and clear all my information from their system and clean out all things they've done against me Regards, [redacted] ***
The consumer states an account was paid.? Upon receipt of the complaint, we verified with the creditor whether payment was made.? We confirmed that the account was paid directly to the creditor after placement with our office.? The payment has now been applied to the account and our system reflects a zero balance.? The account has been requested to be removed from credit reporting
[A default letter is provided here which indicates your acceptance of the business's response.? If you wish, you may update it before sending it.] Revdex.com:The Collection company should have never sent a collection letter to the consumer to begin with? As they note, they did research and found out that the accounts were already closed? Therefor, they should have never sent out a letter? That is against the law.? I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that the business should be punished for sending out letter to consumer to begin with without having their facts.? Regards, [redacted]
The consumer claims that we told her we would delete an account from her credit report if she paid it We do record all of our calls We reviewed the call in question We did tell the consumer we would update her credit file It appears from her complaint that her credit file was updated showing a paid collection That is accurate It now appears that the consumer would like the account removed from her credit report Under the circumstances, we will request deletion
The consumer states he believes the account we are collecting was paid, that he had requested an itemized statement and that he had not yet received an itemized statement The consumer did contact us by email on March 29, requesting an itemized statement for an account that had been placed in our office for collection on September 27, We let him know by email on March 30, that we were requesting the itemized statement and that it could take up to days to receive On June 21, the consumer notified us by email that he had not yet received the itemized statement On June 22, 2015, we notified the consumer by email that we did not have the itemized statement to mail to him but that we were requesting deletion of his account from credit reporting We apologize that the itemized statement was not provided in a time frame that we prefer We will mail the itemized statement to him once we receive it from the creditor