The consumer states he was not contacted about an account placed with our office and has requested additional details regarding the account. We mailed a validation notice to the consumer at the address
provided to us by the creditor on or about June 13, 2015. Our records show that
we have...
made a total of 77 calls to telephone numbers provided to us by the
creditor. The account was submitted to the three major credit bureaus on or
about August 4, 2015. (The consumer states it showed up on his credit report on
June 1, 2015. The account was not placed with our office until June 2. It may
be that the consumer is actually seeing the date of placement of the account
with our office on his credit report). We did speak with the consumer (on October
27, 2015 and on October 28, 2015) regarding the account and informed him that
the account had been placed with our office on June 2, 2015. On October 28,
2015 we made a request to the creditor to obtain an itemized statement. On
November 3, 2015, we received the consumer’s written dispute. We obtained the
itemized statement and have, since the filing of this complaint, mailed it to
the consumer at the address he provided to us on October 27, 2015. Since the
address he provided to us was different than the address we had on the account,
we did request removal of the account from his credit report to allow him time
to review the itemized statement. We are also requesting the additional
information regarding insurance billing, including any insurance payments and
adjustments, since although the itemized statement reflects an insurance
company, it isn’t clear if there were any payments or adjustments. As soon as
we receive that information from the creditor we will provide it to the consumer.
[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 states insurance would have covered the account placed with our office. The account was placed with our office on June 1, 2017. On June 12, 2017, the creditor contacted our office and informed us the account had been listed in error. Accordingly, the account...
was cancelled and returned to the creditor. The account was never submitted for credit reporting by our agency.
The consumer states she has requested the creditor and our office to verify that the accounts were allegedly settled, proof that the accounts were not settled and for us to not proceed until we provide proof. The consumer had actually contacted our office through our website on December 12,...
2016. We responded to that contact and informed the consumer that the accounts were closed from our office and the accounts were never sent for credit reporting. On December 15, 2016, we received a letter from the consumer containing the same information as the contact through our website. We sent the consumer a letter indicating the accounts were closed and never submitted for credit reporting. As the accounts were closed from our office, we do not have any information on whether the accounts were settled or not settled. It does sound like the consumer reached out to the creditor to find that out. In any event, as the accounts are not with our office, we are obviously not proceeding with any collection efforts.
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 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, 2015 requesting an itemized statement for an account that had been...
placed in our office for collection on September 27, 2013. We let him know by email on March 30, 2015 that we were requesting the itemized statement and that it could take up to 30 days to receive. On June 21, 2015 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 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:
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 have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.] I appreciate the fact that they have requested that this account be removed from Experian, Equifax, and Trans union. This company will delete all of my personal information. They have no right to keep it since I have never contracted with them. I have no evidence that that will not use my information in a derogatory way seeing as how I have contacted them on many occasions both via phone, us postal mail, and certified mail request. It took for the Revdex.com to get involved for action to be taken. Yes, I did say that I was sent communication from this company and I also noted that it was screen shots of what appeared to be a medical bill. I did not accept that's proof that could have been made up on any device with internet capabilities and a word processor. So NO I did not accept that period. I asked for strict proof,not proof of my mailing address but I asked was the deb assigned or do you own it. They never replied. I just got notification back that we have verified the debt? Never any factual proof, no names of whom they talked too, no signed agreements, nothing but a "screen shot" and letters from this company. Im happy that they will delete this from the credit agencies this but my personal information needs to be destroyed period or they will be hearing from my attorney. This is not a threat, this is a promise. The attached letter were sent to State Collection service I have the proof. I also have the response. It was vague and a screen shot
Regards,
[redacted]
The consumer states we did not identify ourselves on a call placed to a particular telephone number. In order to protect the privacy of the individual we are attempting to reach and comply with federal law, we do not identify ourselves until we have verified the identity of the consumer we are...
attempting to reach. This consumer does not wish to receive any calls. We always honor a request to cease contact. We will do so here.
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.
When I spoke to the agency that is not what the agency told me. There for I would like a refund or I would like to a director not a supervisor or manager.
Regards,
[redacted]
As we understand the consumer's complaint, she alleges she was making payments to the creditor and filed for financial assistance on two occasions. She further alleges she is on Medicaid. She also claims that the creditor intentionally lists separate...
balances. Finally, she claims to have issues with the amounts placed and disputes those balances. As to a payment plan, the creditor indicated that she was making payments but that the accounts were turned over for collection as the payment plan was delinquent. The creditor further indicated it does not have a record of the consumer applying for financial assistance and even if she had or did, she would not qualify for financial assistance as the creditor reports she had health insurance. The creditor also indicated that it billed insurance but the charges were non-covered and that Medicaid was not billed as she did not have coverage at the time of service. As to how the creditor lists balances for collection, each account is treated separately. It is listed as a separate account. As for her dispute of the balances in our office, while her disputing the balances seems inconsistent with her statements that she had been making payments to the creditor and that she applied for financial assistance in order to cover the services, we will be sending the consumer the itemized statements for those balances that are active in our office. For the account disputed in December, it is no longer in our office. It was cancelled and returned to the creditor. In order to allow the consumer time to review the itemized statements, we have requested deletion of the accounts from credit reporting at this time. We reserve the right to re-report these accounts in the future, but will not do so for the next 30 days.
The consumer states that items remain on his credit report after payment and that we indicated they would be removed. We spoke with the consumer on May 11, upon receipt of his complaint, and asked for a copy of the items that remained. The consumer sent us the list. We requested...
deletion of the accounts from his credit report today.When we spoke yesterday, we also let the consumer know we would be reviewing the accounts to determine why the accounts remained on his credit report. It appears we have isolated this issue and taken corrective measures.
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.
I will acccept this once it is done at the end of the 30 days. Please keep open until the end of the 30 days.
Regards,
[redacted]
The consumer states she paid this account to the creditor after the account was placed with our office and states she has not received notification that the account was placed with our office. The account was placed in our office on February 5, 2015. A letter was mailed to the consumer...
notifying her of the placement on or about February 6, 2015. We do not show that the mail was returned. However, after we forwarded the consumer's complaint to the creditor, the creditor requested we cancel and return the account to them. It is not clear why the creditor requested return of the account. We are following up with the creditor to find out why they requested return of the account, but did want to provide this response to the consumer's complaint. Under the circumstances, we are requesting deletion of the account from credit reporting. Please note that the deletion may take up to 30 days and that is beyond our control. If the consumer has any questions regarding this response, she may contact our [redacted] directly at ###-###-####, ext. [redacted]
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.My complaint is with the collection agency. I have a separate compliant with the health care provider. I made contact with your collection Agency and updated my address information after I notice the debt reporting on my CR, which was given to request validation of the debt reported. THIS IS HOW your office obtained my mother's address. I NEVER refused to provide my address as I am currently in transition of moving, I did refused to give me phone number as I told them I do not want them calling me until the debt is validated. I informed your agency to obtain my contact information from AURORA as I am a active patient with them and they have all my updated contact information. Aurora Health care is willing to work with me and have been, it is your collection agency who fail to as you are trying to profit off of the allege debt. As a Collection agency for medical bills, I would expect you to me mindful of the patient's BILL of Rights. it clearly states, "Health care providers must be required to send itemized bills for all charges. Patients have a right to an itemized bill with a clear description of each item and all codes related, for which the patient is being charged." and " Patients must have access to their medical records. Patients or their assigned representatives shall receive one copy of medical records upon request. Such a written request must be honored within 15 days. Patients must have the right to verify the accuracy of their bills. Healthcare providers must credit patient’s account for the cost of medical records, if errors are identified." I have never had medical bills or debt, I have a active HSA account and if I was properly billed and notified of the amounts owed I would have paid them. My credit has been impacted due to the neglect of the Collection agency. I have spoke to the health care provider and they were willing to provide me with the information needed to confirm I am not being over billed. I ask your collection agency to provide proof I was billed and refused or neglected to pay knowingly. I am going to continue to pursue this issue until the truth comes out in court. I have already proven that the initial judgment was mishandled. Also, as indicated your office is reporting me and overstated the amount you have in your office. I am waiting for the EOB's from my old insurance company as the dates you state I was billed is FALSE. I have proof of that, which I will show in court. I have attached proof of the reporting I see. Please provide all records that show I was billed at the current address. Please be advised AURORA been updated my address; however, it is my understanding not all billing systems were updated. I obtained this information from Aurora as advised they are willing to work with me.
Regards,
[redacted]
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.] I am sorry but I can not accept that as a valid response. I am personally not interested in what others have entrusted with your company. This is regarding my life, lively hood, and well being. I appreciate the fact that you have requested the 3 major credit reporting agencies to remove that erroneous account, and have agreed not to contact me personally again unless through a natural party, but that was only a portion of my request. After getting the Revdex.com, CFBP, Wisconsin Attorney General, and the DFI involved State Collection Service INC has really done a great job of resolving this issue. Here is the problem. I never contracted with you all, therefor you never should have had any information pertaining to me. Not my name, address, phone number, nothing. So as a last attempt, I am begging you to remove any/all information pertaining to me form your files. Otherwise I will have no other recourse but to pursue litigation for defamation of character, and identity theft. I have read your response fully and this is my response to your reply.Please let me know when my information is deleted from your files otherwise if this can not be obtained, our feature correspondence with be via attorneys. Thank you in advance
Regards,
[redacted]
The consumer states he was not contacted about an account placed with our office and has requested additional details regarding the account. We mailed a validation notice to the consumer at the address
provided to us by the creditor on or about June 13, 2015. Our records show that
we have...
made a total of 77 calls to telephone numbers provided to us by the
creditor. The account was submitted to the three major credit bureaus on or
about August 4, 2015. (The consumer states it showed up on his credit report on
June 1, 2015. The account was not placed with our office until June 2. It may
be that the consumer is actually seeing the date of placement of the account
with our office on his credit report). We did speak with the consumer (on October
27, 2015 and on October 28, 2015) regarding the account and informed him that
the account had been placed with our office on June 2, 2015. On October 28,
2015 we made a request to the creditor to obtain an itemized statement. On
November 3, 2015, we received the consumer’s written dispute. We obtained the
itemized statement and have, since the filing of this complaint, mailed it to
the consumer at the address he provided to us on October 27, 2015. Since the
address he provided to us was different than the address we had on the account,
we did request removal of the account from his credit report to allow him time
to review the itemized statement. We are also requesting the additional
information regarding insurance billing, including any insurance payments and
adjustments, since although the itemized statement reflects an insurance
company, it isn’t clear if there were any payments or adjustments. As soon as
we receive that information from the creditor we will provide it to the consumer.
[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 states insurance would have covered the account placed with our office. The account was placed with our office on June 1, 2017. On June 12, 2017, the creditor contacted our office and informed us the account had been listed in error. Accordingly, the account...
was cancelled and returned to the creditor. The account was never submitted for credit reporting by our agency.
The consumer states she has requested the creditor and our office to verify that the accounts were allegedly settled, proof that the accounts were not settled and for us to not proceed until we provide proof. The consumer had actually contacted our office through our website on December 12,...
2016. We responded to that contact and informed the consumer that the accounts were closed from our office and the accounts were never sent for credit reporting. On December 15, 2016, we received a letter from the consumer containing the same information as the contact through our website. We sent the consumer a letter indicating the accounts were closed and never submitted for credit reporting. As the accounts were closed from our office, we do not have any information on whether the accounts were settled or not settled. It does sound like the consumer reached out to the creditor to find that out. In any event, as the accounts are not with our office, we are obviously not proceeding with any collection efforts.
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 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, 2015 requesting an itemized statement for an account that had been...
placed in our office for collection on September 27, 2013. We let him know by email on March 30, 2015 that we were requesting the itemized statement and that it could take up to 30 days to receive. On June 21, 2015 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.
I accept your response. Please re-apply the payment of $65.84 to the correct account and delete the item from my credit reports.
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:
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 have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.] I appreciate the fact that they have requested that this account be removed from Experian, Equifax, and Trans union. This company will delete all of my personal information. They have no right to keep it since I have never contracted with them. I have no evidence that that will not use my information in a derogatory way seeing as how I have contacted them on many occasions both via phone, us postal mail, and certified mail request. It took for the Revdex.com to get involved for action to be taken. Yes, I did say that I was sent communication from this company and I also noted that it was screen shots of what appeared to be a medical bill. I did not accept that's proof that could have been made up on any device with internet capabilities and a word processor. So NO I did not accept that period. I asked for strict proof,not proof of my mailing address but I asked was the deb assigned or do you own it. They never replied. I just got notification back that we have verified the debt? Never any factual proof, no names of whom they talked too, no signed agreements, nothing but a "screen shot" and letters from this company. Im happy that they will delete this from the credit agencies this but my personal information needs to be destroyed period or they will be hearing from my attorney. This is not a threat, this is a promise. The attached letter were sent to State Collection service I have the proof. I also have the response. It was vague and a screen shot
Regards,
[redacted]
The consumer states we did not identify ourselves on a call placed to a particular telephone number. In order to protect the privacy of the individual we are attempting to reach and comply with federal law, we do not identify ourselves until we have verified the identity of the consumer we are...
attempting to reach. This consumer does not wish to receive any calls. We always honor a request to cease contact. We will do so here.
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.
When I spoke to the agency that is not what the agency told me. There for I would like a refund or I would like to a director not a supervisor or manager.
Regards,
[redacted]
As we understand the consumer's complaint, she alleges she was making payments to the creditor and filed for financial assistance on two occasions. She further alleges she is on Medicaid. She also claims that the creditor intentionally lists separate...
balances. Finally, she claims to have issues with the amounts placed and disputes those balances. As to a payment plan, the creditor indicated that she was making payments but that the accounts were turned over for collection as the payment plan was delinquent. The creditor further indicated it does not have a record of the consumer applying for financial assistance and even if she had or did, she would not qualify for financial assistance as the creditor reports she had health insurance. The creditor also indicated that it billed insurance but the charges were non-covered and that Medicaid was not billed as she did not have coverage at the time of service. As to how the creditor lists balances for collection, each account is treated separately. It is listed as a separate account. As for her dispute of the balances in our office, while her disputing the balances seems inconsistent with her statements that she had been making payments to the creditor and that she applied for financial assistance in order to cover the services, we will be sending the consumer the itemized statements for those balances that are active in our office. For the account disputed in December, it is no longer in our office. It was cancelled and returned to the creditor. In order to allow the consumer time to review the itemized statements, we have requested deletion of the accounts from credit reporting at this time. We reserve the right to re-report these accounts in the future, but will not do so for the next 30 days.
The consumer states that items remain on his credit report after payment and that we indicated they would be removed. We spoke with the consumer on May 11, upon receipt of his complaint, and asked for a copy of the items that remained. The consumer sent us the list. We requested...
deletion of the accounts from his credit report today.When we spoke yesterday, we also let the consumer know we would be reviewing the accounts to determine why the accounts remained on his credit report. It appears we have isolated this issue and taken corrective measures.
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.
I will acccept this once it is done at the end of the 30 days. Please keep open until the end of the 30 days.
Regards,
[redacted]
The consumer states she paid this account to the creditor after the account was placed with our office and states she has not received notification that the account was placed with our office. The account was placed in our office on February 5, 2015. A letter was mailed to the consumer...
notifying her of the placement on or about February 6, 2015. We do not show that the mail was returned. However, after we forwarded the consumer's complaint to the creditor, the creditor requested we cancel and return the account to them. It is not clear why the creditor requested return of the account. We are following up with the creditor to find out why they requested return of the account, but did want to provide this response to the consumer's complaint. Under the circumstances, we are requesting deletion of the account from credit reporting. Please note that the deletion may take up to 30 days and that is beyond our control. If the consumer has any questions regarding this response, she may contact our [redacted] directly at ###-###-####, ext. [redacted]
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.My complaint is with the collection agency. I have a separate compliant with the health care provider. I made contact with your collection Agency and updated my address information after I notice the debt reporting on my CR, which was given to request validation of the debt reported. THIS IS HOW your office obtained my mother's address. I NEVER refused to provide my address as I am currently in transition of moving, I did refused to give me phone number as I told them I do not want them calling me until the debt is validated. I informed your agency to obtain my contact information from AURORA as I am a active patient with them and they have all my updated contact information. Aurora Health care is willing to work with me and have been, it is your collection agency who fail to as you are trying to profit off of the allege debt. As a Collection agency for medical bills, I would expect you to me mindful of the patient's BILL of Rights. it clearly states, "Health care providers must be required to send itemized bills for all charges. Patients have a right to an itemized bill with a clear description of each item and all codes related, for which the patient is being charged." and " Patients must have access to their medical records. Patients or their assigned representatives shall receive one copy of medical records upon request. Such a written request must be honored within 15 days. Patients must have the right to verify the accuracy of their bills. Healthcare providers must credit patient’s account for the cost of medical records, if errors are identified." I have never had medical bills or debt, I have a active HSA account and if I was properly billed and notified of the amounts owed I would have paid them. My credit has been impacted due to the neglect of the Collection agency. I have spoke to the health care provider and they were willing to provide me with the information needed to confirm I am not being over billed. I ask your collection agency to provide proof I was billed and refused or neglected to pay knowingly. I am going to continue to pursue this issue until the truth comes out in court. I have already proven that the initial judgment was mishandled. Also, as indicated your office is reporting me and overstated the amount you have in your office. I am waiting for the EOB's from my old insurance company as the dates you state I was billed is FALSE. I have proof of that, which I will show in court. I have attached proof of the reporting I see. Please provide all records that show I was billed at the current address. Please be advised AURORA been updated my address; however, it is my understanding not all billing systems were updated. I obtained this information from Aurora as advised they are willing to work with me.
Regards,
[redacted]
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.] I am sorry but I can not accept that as a valid response. I am personally not interested in what others have entrusted with your company. This is regarding my life, lively hood, and well being. I appreciate the fact that you have requested the 3 major credit reporting agencies to remove that erroneous account, and have agreed not to contact me personally again unless through a natural party, but that was only a portion of my request. After getting the Revdex.com, CFBP, Wisconsin Attorney General, and the DFI involved State Collection Service INC has really done a great job of resolving this issue. Here is the problem. I never contracted with you all, therefor you never should have had any information pertaining to me. Not my name, address, phone number, nothing. So as a last attempt, I am begging you to remove any/all information pertaining to me form your files. Otherwise I will have no other recourse but to pursue litigation for defamation of character, and identity theft. I have read your response fully and this is my response to your reply.Please let me know when my information is deleted from your files otherwise if this can not be obtained, our feature correspondence with be via attorneys. Thank you in advance
Regards,
[redacted]