The consumer alleges that our agency has mailed consumer a letter that states our agency will take consumer’s tax refund if consumer does not pay a medical debt listed with our agency.? By way of background on September 30, Valley Medical Center placed with our agency a medical debt in the original balance of $for a service date of September 1, 2016.? Our agency sent its first dunning notice to consumer on or about October 2, 2017.? On or about February 8, our agency sent a second notice to consumer.? At the top of that letter it states, “TAX REFUND TAX REFUND!!! CALL!”? In the middle of the letter is a statement, “Arrange to pay your account with your tax refund check!!!”? Included in said letter are other payment options.? The letter in question by no means is telling the consumer that consumer is supposed to pay or must pay with consumer’s tax refund.? Instead the letter merely suggests that if consumer is to receive a tax refund then that may be an optional source of funds to use in paying the debt in question.? There is no threatening language in the letter about taking consumer’s tax refund.? Consumer’s desired settlement is no further contact with our agency.? Upon receipt of this complaint we have updated the account to cease contact with 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: I have been advised to accept State Collection Service reply to the Revdex.com at this timeIn addition, please allow me to say that a Public Law 104-letter was provided to the State of Wisconsin Public Defenders Office, drawn up on behalf of myself by my Attorney [redacted] C [redacted] , sent certified mail, immediately after having a conversation with its Supervisor concerning the representation on behalf of Attorney [redacted] , prohibiting the Public Defenders office, or anyone else on their behalf from placing this account on my credit report.If this matter needs to be addressed further, I will file a complaint with my States Attorney General's Office.I wish to again thank the Revdex.com for allowing me to address my concerns regarding this matterThank you 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]
The consumer alleges that our agency has mailed consumer a letter that states our agency will take consumer’s tax refund if consumer does not pay a medical debt listed with our agency By way of background on September 30, Valley Medical Center placed with our agency a medical debt in the original balance of $for a service date of September 1, Our agency sent its first dunning notice to consumer on or about October 2, On or about February 8, our agency sent a second notice to consumer At the top of that letter it states, “TAX REFUND TAX REFUND!!! CALL!” In the middle of the letter is a statement, “Arrange to pay your account with your tax refund check!!!” Included in said letter are other payment options The letter in question by no means is telling the consumer that consumer is supposed to pay or must pay with consumer’s tax refund Instead the letter merely suggests that if consumer is to receive a tax refund then that may be an optional source of funds to use in paying the debt in question There is no threatening language in the letter about taking consumer’s tax refund Consumer’s desired settlement is no further contact with our agency Upon receipt of this complaint we have updated the account to cease contact with 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 lawI 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]
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
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 days
The consumer appears to be requesting verification of the accounts appearing on his credit report.? The consumer further appears to claim that the creditor cannot provide us information verifying the accounts as he alleges that HIPAA preventsthis.? We? will be reporting the accounts as disputed to the credit reporting agencies.? As the consumer disputed the accounts, we contacted the creditor to obtain verification of the amounts due.? We have obtained that information.? We will be mailing the itemized statements to the consumer as verification of the amounts? due.? ? HIPAA allows the creditor to provide a collection agency with the minimum? necessary information to collect an account.? ?
As indicated in our first response, we said we'd be communicating with the consumer once we heard from the creditor about payment The creditor indicated it had not received the payment We sent a letter to the consumer today stating this and requesting a copy of the cancelled check so that we could provide it to the creditor to help resolve the payment issue.We want to be clear that the only account requested to be removed from credit reporting is the account where the consumer is claiming she made payment We do not have any information from the consumer about other payments on accounts we are collecting If the consumer has payment information on all the accounts we are collecting, she can provide that to us together with the payment information requested above.We do wish to help every consumer resolve issues related to the accounts we are collecting If there are specific things we have done or not done beyond the specific issue related to the $balance, please let us know and we will address each specific issue Once we receive the information showing payment to the creditor for this account or any account in our office, we can forward it to the creditor to research
The consumer alleges it is not lawful to charge 5% interest on an account placed with our office by the creditor Wisconsin law has long provided that a creditor who is not paid is entitled to charge 5% on the unpaid amount The Wisconsin Department of Financial Institutions, the government entity that regulates collection agencies in Wisconsin, specifically provides that such a charge can be added There is no requirement that the consumer agree to the charge in writing The 5% charge begins accruing on the account once it is placed with a collection agency The creditor authorized the addition of the 5% charge We are not required to refund the lawfully assessed 5% per year interest charge Please do not hesitate to contact us should additional information be required
The consumer requests a reduction in the amount taken from her paycheck under a garnishment State law sets forth the amount of a garnishment as 20% of an employee's wages after certain deductions That is the amount determined to be "reasonable" by state law In discussions with the consumer, we agreed to reduce the garnishment amount by over 35% The consumer is now seeking a greater reduction than the amount agreed upon by the parties If the amount originally agreed upon was not acceptable, we would have preferred that the consumer contact us directly to discuss why the agreed upon amount was no longer acceptable We view this complaint as a rejection of the agreed upon payment Since the consumer is claiming she did not receive the garnishment, we will discontinue the garnishment even though we don't have any evidence that the garnishment notice was not received We will return to her the amount collected under the garnishment We will then re-serve the garnishment Since there is no longer any agreement regarding a reduction in the garnishment amount, we will follow the amount allowed by state law.We would also like to address several other statements the consumer made in her complaint She claims we laughed at her We reviewed the recordings of the calls available to us and we did not hear any laugh other than the consumer's own laughter The consumer claims she thought the amount due was discharged in a bankruptcy The amounts due were incurred after her bankruptcy and the creditor obtained a judgment against her for those amounts after her bankruptcy She and the bank apparently elected not to pay the account as the account did not show up on her credit report (it should have appeared as a matter of public record).In short, since the consumer has cancelled the agreement we reached with her, we will be (1) refunding the amounts collected under the garnishment, (2) contacting the consumer's employer to stop garnishing any wages, and (3) re-serving the employer and the consumer with the garnishment
The consumer claims to have made payments sufficient to resolve accounts placed with our office for collection The consumer did make payments to our office to resolve various account balancesHowever, when the consumer made a payment to resolve certain balances on 8/18/16, that payment was rejected due to insufficient funds Because the consumer had requested a receipt for the payment, the receipt was printed and mailed The notice of insufficient funds arrived after the receipt was mailed We attempted to reach the consumer numerous times by telephone As the consumer has requested we not contact the consumer related to those accounts, we will honor that request unless we hear from the consumer otherwise The amount remains due
The consumer claims she was treated rudely and was concerned about calls regarding the account since “not once did this hospital ever notify me that I had an outstanding balance, which I would have certainly, immediately paid.”? We note that the consumer called the creditor on June 15, 2015, after the services were provided, and asked why the creditor was billing her.? The creditor explained the billing.? The consumer was apparently not satisfied with the response and indicated she wanted the balance removed.? The account was not paid and the account was eventually placed with our office for collection on February 7, We placed our first call to the consumer on March 2, 2016.? The consumer called our office on March 3, 2016.? She asked who we were and we identified ourselves as State Collection.? The consumer indicated that if we weren’t going to identify ourselves, she wouldn’t wait to be transferred.? The call ended.? The department she was to be transferred to called her and received a voicemail message on the consumer’s phone.? The consumer called again on March 3, 2016.? The consumer verified her date of birth and we informed her of the reason for the call.? The consumer indicated that she didn’t believe she owed the account because she had continued to see the creditor and didn’t know anything about the balance.? We offered to send an itemized statement.? We did send the itemized statement on April 27, 2016.? On May 4, 2016, we called the consumer.? At this point, the account representative did not provide an adequate explanation for why we were asking the consumer to verify who she was before we could inform her of the purpose of our call.? As we are required by state and federal laws to protect the privacy and security of information, we do require confirmation of the person we are speaking with.? We will address this issue with the account representative involved.? Finally, on May 9, 2016, on the last call with our office, our account representative did not handle the call according to our policy.? The account representative should have discussed the account with the consumer.? This is being addressed.On May 10, 2016, the creditor reported to us that the account was paid by the consumer
The consumer claims an account placed with our office was paid.? She would like us to stop contacting her about the account.? We understand the concern of the consumer.? We agree the consumer paid an account placed with our office, however an additional account was placed after she made payment.? More specifically, an account was placed with our office on October 21, 2015.? That account was paid by the consumer on November 3, 2015.? The same creditor placed a new account with our office on November 18, 2015.? The new account is for the same amount as the first account but it relates to a different date of service.? When we received a dispute from the consumer on the new account, we contacted the creditor to determine if the account had been paid.? The creditor confirmed it had not been paid and we sent the consumer an itemized statement on or about December 10, 2015.? The second account remains due.? If the consumer believes this account was also paid, we will need proof of payment to provide to the creditor.? We apologize for any confusion regarding the two accounts.As the consumer has requested we not contact her, we have marked the account accordingly and will not contact her unless we hear from her otherwise?
The consumer alleges that our agency failed to remove account information from the credit reporting agencies in 2013.? Consumer has not provided any supporting documentation to our agency regarding the claim nor is there any information in the complaint as to what exactly was reporting.? Consumer had one account listed with our agency from creditor and creditor reported to our agency a direct partial payment to them on or about November 9, 2012.? The final payment, which paid the account in full was received by our agency on April 8, 2013.? Once the account is paid in full our agency reported to the credit reporting agencies that the account is a paid collection account.? We first heard that there was an issue with the reporting on February 26, 2018, when consumer contacted our agency and we advised that we shall request deletion.? On April 12, our agency requested deletion of the account from credit reporting to the three main credit bureaus.? We apologize for the delay in requesting the deletion.? Please note that it may take the credit reporting agencies to days to update consumer’s credit file and this is beyond our control
The consumer believes we were collecting a "fake" bill, requests removal of the account from her credit report, asks that we confirm we cannot steal her personal and medical information and won't sell it, and, finally, would like us to provide proof we have a right to collect a debt that was already paid As we discussed with the consumer on April 7, we identified ourselves and the name of the creditor The consumer asked for our account number, the creditor's account number, the date of service and the amount of the bill We provided all those details What we did not tell the consumer was that the creditor placed the account with our office on 9/5/and that the creditor reported two payments to our office, one on 9/21/15, and the second on 3/21/ Together those two payments satisfied the principal balance placed with our office As we informed the consumer on April 7, the account was in a cancel status at the time of her call The balance remaining was the interest allowed under Washington law and as allowed by the creditor There is no such thing as a "cancellation" number We did request removal of the account from the consumer's credit report That may take time to be reflected on her credit report We confirm that we cannot steal her medical or personal information Protection of such information is extremely important to us and our clients We are not authorized to sell any debt and we do not, as a company, work any debt that has been purchased As indicated, the account is paid and is being cancelled as paid in the ordinary course of business Please do not hesitate to contact our office should there be additional questions
Creditor placed an account with our agency for collections on April 29, 2018.? On or about May 3, our agency mailed to consumer’s attention our standard first collection notice.? Said notice advised consumer of the right to dispute the validity of the debt within thirty-days of receiving notice.? We have reviewed the account notes and no telephone calls were made to consumer’s telephone number provided by Creditor until May 3, 2018.? We do not call more frequently than allowed by state law.? Since we are collecting a medical debt for Creditor we are obligated to comply with the privacy and security requirements of the Health Insurance Portability and Accountability Act (HIPAA).? Our company has standards, policies and procedures in place to ensure sensitive/confidential information such as protected health information as defined by HIPAA is not improperly disclosed.? Part of our safeguards is to confirm we are communicating with the patient and/or responsible party by obtaining verification of the correct party by name and other demographic information such as date of birth or mailing address.? Those standards, policies and procedures are not meant to harass a consumer, instead they are to make certain that there are no security incidents.? To protect a consumer’s privacy, the Fair Debt Collection Practices Act (FDCPA) restricts the parties with whom debt collectors may communicate regarding a consumer’s debt.? These federal regulations, HIPAA and the FDCPA, have driven company policy of not disclosing our company name on outbound calls to consumers when an impasse is reached over second verification of demographic information.? Our company name indicates we are a collection agency, which we will not disclose on outbound calls until we have confirmed we are speaking to the consumer.? We have no record of calling consumer “weeks prior to sending correspondence” because as previously stated Creditor listed the account on April 29, and correspondence was mailed on or about May 3, 2018.? Creditor on May 31, updated our account indicating that payment was processed from consumer which paid the debt in full.? We thank you for that payment.? The account is closed and therefore collection activity has stopped.? Our agency did not report the account to the Credit Reporting Agencies.?
The consumer believes we were collecting a "fake" bill, requests removal of the account from her credit report, asks that we confirm we cannot steal her personal and medical information and won't sell it, and, finally, would like us to provide proof we have a right to collect a debt that was already paid.? As we discussed with the consumer on April 7, we identified ourselves and the name of the creditor.? The consumer asked for our account number, the creditor's account number, the date of service and the amount of the bill.? We provided all those details.? What we did not tell the consumer was that the creditor placed the account with our office on 9/5/and that the creditor reported two payments to our office, one on 9/21/15, and the second on 3/21/16.? Together those two payments satisfied the principal balance placed with our office.? As we informed the consumer on April 7, the account was in a cancel status at the time of her call.? The balance remaining was the interest allowed under Washington law and as allowed by the creditor.? There is no such thing as a "cancellation" number.? We did request removal of the account from the consumer's credit report.? That may take time to be reflected on her credit report.? We confirm that we cannot steal her medical or personal information.? Protection of such information is extremely important to us and our clients.? We are not authorized to sell any debt and we do not, as a company, work any debt that has been purchased.? As indicated, the account is paid and is being cancelled as paid in the ordinary course of business.? Please do not hesitate to contact our office should there be additional questions
We understand the consumer is saying this is his dad's debt As we indicated in our first response, we were in the process of verifying with the creditor what information it had regarding responsibility for the account We indicated that if the creditor confirmed the debt was the responsibility of the consumer, we would obtain verification from the creditor and mail it to the consumer If the creditor confirmed that someone else was responsible, we would be cancelling the account back to the creditor As of today's date, despite many attempts made to verify responsibility, we do not have a response from the creditor We cannot unilaterally cancel the account without the creditor's input If the consumer wants to help resolve this situation, he could send us a letter letting us know his date of birth or last digits of his social security number so that we can pass that additional information to the creditor The consumer can mail that to: SCSI, Attn: Compliance Department, P.OBox 6250, Madison, WI It would also likely help the creditor if the consumer would also indicate whether his father lived at the same address as the consumer and whether they share the same name
[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]
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
The consumer alleges that our agency has mailed consumer a letter that states our agency will take consumer’s tax refund if consumer does not pay a medical debt listed with our agency.? By way of background on September 30, Valley Medical Center placed with our agency a medical debt in the original balance of $for a service date of September 1, 2016.? Our agency sent its first dunning notice to consumer on or about October 2, 2017.? On or about February 8, our agency sent a second notice to consumer.? At the top of that letter it states, “TAX REFUND TAX REFUND!!! CALL!”? In the middle of the letter is a statement, “Arrange to pay your account with your tax refund check!!!”? Included in said letter are other payment options.? The letter in question by no means is telling the consumer that consumer is supposed to pay or must pay with consumer’s tax refund.? Instead the letter merely suggests that if consumer is to receive a tax refund then that may be an optional source of funds to use in paying the debt in question.? There is no threatening language in the letter about taking consumer’s tax refund.? Consumer’s desired settlement is no further contact with our agency.? Upon receipt of this complaint we have updated the account to cease contact with 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: I have been advised to accept State Collection Service reply to the Revdex.com at this timeIn addition, please allow me to say that a Public Law 104-letter was provided to the State of Wisconsin Public Defenders Office, drawn up on behalf of myself by my Attorney [redacted] C [redacted] , sent certified mail, immediately after having a conversation with its Supervisor concerning the representation on behalf of Attorney [redacted] , prohibiting the Public Defenders office, or anyone else on their behalf from placing this account on my credit report.If this matter needs to be addressed further, I will file a complaint with my States Attorney General's Office.I wish to again thank the Revdex.com for allowing me to address my concerns regarding this matterThank you 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]
The consumer alleges that our agency has mailed consumer a letter that states our agency will take consumer’s tax refund if consumer does not pay a medical debt listed with our agency By way of background on September 30, Valley Medical Center placed with our agency a medical debt in the original balance of $for a service date of September 1, Our agency sent its first dunning notice to consumer on or about October 2, On or about February 8, our agency sent a second notice to consumer At the top of that letter it states, “TAX REFUND TAX REFUND!!! CALL!” In the middle of the letter is a statement, “Arrange to pay your account with your tax refund check!!!” Included in said letter are other payment options The letter in question by no means is telling the consumer that consumer is supposed to pay or must pay with consumer’s tax refund Instead the letter merely suggests that if consumer is to receive a tax refund then that may be an optional source of funds to use in paying the debt in question There is no threatening language in the letter about taking consumer’s tax refund Consumer’s desired settlement is no further contact with our agency Upon receipt of this complaint we have updated the account to cease contact with 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 lawI 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]
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
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 days
The consumer appears to be requesting verification of the accounts appearing on his credit report.? The consumer further appears to claim that the creditor cannot provide us information verifying the accounts as he alleges that HIPAA preventsthis.? We? will be reporting the accounts as disputed to the credit reporting agencies.? As the consumer disputed the accounts, we contacted the creditor to obtain verification of the amounts due.? We have obtained that information.? We will be mailing the itemized statements to the consumer as verification of the amounts? due.? ? HIPAA allows the creditor to provide a collection agency with the minimum? necessary information to collect an account.? ?
As indicated in our first response, we said we'd be communicating with the consumer once we heard from the creditor about payment The creditor indicated it had not received the payment We sent a letter to the consumer today stating this and requesting a copy of the cancelled check so that we could provide it to the creditor to help resolve the payment issue.We want to be clear that the only account requested to be removed from credit reporting is the account where the consumer is claiming she made payment We do not have any information from the consumer about other payments on accounts we are collecting If the consumer has payment information on all the accounts we are collecting, she can provide that to us together with the payment information requested above.We do wish to help every consumer resolve issues related to the accounts we are collecting If there are specific things we have done or not done beyond the specific issue related to the $balance, please let us know and we will address each specific issue Once we receive the information showing payment to the creditor for this account or any account in our office, we can forward it to the creditor to research
The consumer alleges it is not lawful to charge 5% interest on an account placed with our office by the creditor Wisconsin law has long provided that a creditor who is not paid is entitled to charge 5% on the unpaid amount The Wisconsin Department of Financial Institutions, the government entity that regulates collection agencies in Wisconsin, specifically provides that such a charge can be added There is no requirement that the consumer agree to the charge in writing The 5% charge begins accruing on the account once it is placed with a collection agency The creditor authorized the addition of the 5% charge We are not required to refund the lawfully assessed 5% per year interest charge Please do not hesitate to contact us should additional information be required
The consumer requests a reduction in the amount taken from her paycheck under a garnishment State law sets forth the amount of a garnishment as 20% of an employee's wages after certain deductions That is the amount determined to be "reasonable" by state law In discussions with the consumer, we agreed to reduce the garnishment amount by over 35% The consumer is now seeking a greater reduction than the amount agreed upon by the parties If the amount originally agreed upon was not acceptable, we would have preferred that the consumer contact us directly to discuss why the agreed upon amount was no longer acceptable We view this complaint as a rejection of the agreed upon payment Since the consumer is claiming she did not receive the garnishment, we will discontinue the garnishment even though we don't have any evidence that the garnishment notice was not received We will return to her the amount collected under the garnishment We will then re-serve the garnishment Since there is no longer any agreement regarding a reduction in the garnishment amount, we will follow the amount allowed by state law.We would also like to address several other statements the consumer made in her complaint She claims we laughed at her We reviewed the recordings of the calls available to us and we did not hear any laugh other than the consumer's own laughter The consumer claims she thought the amount due was discharged in a bankruptcy The amounts due were incurred after her bankruptcy and the creditor obtained a judgment against her for those amounts after her bankruptcy She and the bank apparently elected not to pay the account as the account did not show up on her credit report (it should have appeared as a matter of public record).In short, since the consumer has cancelled the agreement we reached with her, we will be (1) refunding the amounts collected under the garnishment, (2) contacting the consumer's employer to stop garnishing any wages, and (3) re-serving the employer and the consumer with the garnishment
The consumer claims to have made payments sufficient to resolve accounts placed with our office for collection The consumer did make payments to our office to resolve various account balancesHowever, when the consumer made a payment to resolve certain balances on 8/18/16, that payment was rejected due to insufficient funds Because the consumer had requested a receipt for the payment, the receipt was printed and mailed The notice of insufficient funds arrived after the receipt was mailed We attempted to reach the consumer numerous times by telephone As the consumer has requested we not contact the consumer related to those accounts, we will honor that request unless we hear from the consumer otherwise The amount remains due
The consumer claims she was treated rudely and was concerned about calls regarding the account since “not once did this hospital ever notify me that I had an outstanding balance, which I would have certainly, immediately paid.”? We note that the consumer called the creditor on June 15, 2015, after the services were provided, and asked why the creditor was billing her.? The creditor explained the billing.? The consumer was apparently not satisfied with the response and indicated she wanted the balance removed.? The account was not paid and the account was eventually placed with our office for collection on February 7, We placed our first call to the consumer on March 2, 2016.? The consumer called our office on March 3, 2016.? She asked who we were and we identified ourselves as State Collection.? The consumer indicated that if we weren’t going to identify ourselves, she wouldn’t wait to be transferred.? The call ended.? The department she was to be transferred to called her and received a voicemail message on the consumer’s phone.? The consumer called again on March 3, 2016.? The consumer verified her date of birth and we informed her of the reason for the call.? The consumer indicated that she didn’t believe she owed the account because she had continued to see the creditor and didn’t know anything about the balance.? We offered to send an itemized statement.? We did send the itemized statement on April 27, 2016.? On May 4, 2016, we called the consumer.? At this point, the account representative did not provide an adequate explanation for why we were asking the consumer to verify who she was before we could inform her of the purpose of our call.? As we are required by state and federal laws to protect the privacy and security of information, we do require confirmation of the person we are speaking with.? We will address this issue with the account representative involved.? Finally, on May 9, 2016, on the last call with our office, our account representative did not handle the call according to our policy.? The account representative should have discussed the account with the consumer.? This is being addressed.On May 10, 2016, the creditor reported to us that the account was paid by the consumer
The consumer claims an account placed with our office was paid.? She would like us to stop contacting her about the account.? We understand the concern of the consumer.? We agree the consumer paid an account placed with our office, however an additional account was placed after she made payment.? More specifically, an account was placed with our office on October 21, 2015.? That account was paid by the consumer on November 3, 2015.? The same creditor placed a new account with our office on November 18, 2015.? The new account is for the same amount as the first account but it relates to a different date of service.? When we received a dispute from the consumer on the new account, we contacted the creditor to determine if the account had been paid.? The creditor confirmed it had not been paid and we sent the consumer an itemized statement on or about December 10, 2015.? The second account remains due.? If the consumer believes this account was also paid, we will need proof of payment to provide to the creditor.? We apologize for any confusion regarding the two accounts.As the consumer has requested we not contact her, we have marked the account accordingly and will not contact her unless we hear from her otherwise?
The consumer alleges that our agency failed to remove account information from the credit reporting agencies in 2013.? Consumer has not provided any supporting documentation to our agency regarding the claim nor is there any information in the complaint as to what exactly was reporting.? Consumer had one account listed with our agency from creditor and creditor reported to our agency a direct partial payment to them on or about November 9, 2012.? The final payment, which paid the account in full was received by our agency on April 8, 2013.? Once the account is paid in full our agency reported to the credit reporting agencies that the account is a paid collection account.? We first heard that there was an issue with the reporting on February 26, 2018, when consumer contacted our agency and we advised that we shall request deletion.? On April 12, our agency requested deletion of the account from credit reporting to the three main credit bureaus.? We apologize for the delay in requesting the deletion.? Please note that it may take the credit reporting agencies to days to update consumer’s credit file and this is beyond our control
The consumer believes we were collecting a "fake" bill, requests removal of the account from her credit report, asks that we confirm we cannot steal her personal and medical information and won't sell it, and, finally, would like us to provide proof we have a right to collect a debt that was already paid As we discussed with the consumer on April 7, we identified ourselves and the name of the creditor The consumer asked for our account number, the creditor's account number, the date of service and the amount of the bill We provided all those details What we did not tell the consumer was that the creditor placed the account with our office on 9/5/and that the creditor reported two payments to our office, one on 9/21/15, and the second on 3/21/ Together those two payments satisfied the principal balance placed with our office As we informed the consumer on April 7, the account was in a cancel status at the time of her call The balance remaining was the interest allowed under Washington law and as allowed by the creditor There is no such thing as a "cancellation" number We did request removal of the account from the consumer's credit report That may take time to be reflected on her credit report We confirm that we cannot steal her medical or personal information Protection of such information is extremely important to us and our clients We are not authorized to sell any debt and we do not, as a company, work any debt that has been purchased As indicated, the account is paid and is being cancelled as paid in the ordinary course of business Please do not hesitate to contact our office should there be additional questions
Creditor placed an account with our agency for collections on April 29, 2018.? On or about May 3, our agency mailed to consumer’s attention our standard first collection notice.? Said notice advised consumer of the right to dispute the validity of the debt within thirty-days of receiving notice.? We have reviewed the account notes and no telephone calls were made to consumer’s telephone number provided by Creditor until May 3, 2018.? We do not call more frequently than allowed by state law.? Since we are collecting a medical debt for Creditor we are obligated to comply with the privacy and security requirements of the Health Insurance Portability and Accountability Act (HIPAA).? Our company has standards, policies and procedures in place to ensure sensitive/confidential information such as protected health information as defined by HIPAA is not improperly disclosed.? Part of our safeguards is to confirm we are communicating with the patient and/or responsible party by obtaining verification of the correct party by name and other demographic information such as date of birth or mailing address.? Those standards, policies and procedures are not meant to harass a consumer, instead they are to make certain that there are no security incidents.? To protect a consumer’s privacy, the Fair Debt Collection Practices Act (FDCPA) restricts the parties with whom debt collectors may communicate regarding a consumer’s debt.? These federal regulations, HIPAA and the FDCPA, have driven company policy of not disclosing our company name on outbound calls to consumers when an impasse is reached over second verification of demographic information.? Our company name indicates we are a collection agency, which we will not disclose on outbound calls until we have confirmed we are speaking to the consumer.? We have no record of calling consumer “weeks prior to sending correspondence” because as previously stated Creditor listed the account on April 29, and correspondence was mailed on or about May 3, 2018.? Creditor on May 31, updated our account indicating that payment was processed from consumer which paid the debt in full.? We thank you for that payment.? The account is closed and therefore collection activity has stopped.? Our agency did not report the account to the Credit Reporting Agencies.?
The consumer believes we were collecting a "fake" bill, requests removal of the account from her credit report, asks that we confirm we cannot steal her personal and medical information and won't sell it, and, finally, would like us to provide proof we have a right to collect a debt that was already paid.? As we discussed with the consumer on April 7, we identified ourselves and the name of the creditor.? The consumer asked for our account number, the creditor's account number, the date of service and the amount of the bill.? We provided all those details.? What we did not tell the consumer was that the creditor placed the account with our office on 9/5/and that the creditor reported two payments to our office, one on 9/21/15, and the second on 3/21/16.? Together those two payments satisfied the principal balance placed with our office.? As we informed the consumer on April 7, the account was in a cancel status at the time of her call.? The balance remaining was the interest allowed under Washington law and as allowed by the creditor.? There is no such thing as a "cancellation" number.? We did request removal of the account from the consumer's credit report.? That may take time to be reflected on her credit report.? We confirm that we cannot steal her medical or personal information.? Protection of such information is extremely important to us and our clients.? We are not authorized to sell any debt and we do not, as a company, work any debt that has been purchased.? As indicated, the account is paid and is being cancelled as paid in the ordinary course of business.? Please do not hesitate to contact our office should there be additional questions
We understand the consumer is saying this is his dad's debt As we indicated in our first response, we were in the process of verifying with the creditor what information it had regarding responsibility for the account We indicated that if the creditor confirmed the debt was the responsibility of the consumer, we would obtain verification from the creditor and mail it to the consumer If the creditor confirmed that someone else was responsible, we would be cancelling the account back to the creditor As of today's date, despite many attempts made to verify responsibility, we do not have a response from the creditor We cannot unilaterally cancel the account without the creditor's input If the consumer wants to help resolve this situation, he could send us a letter letting us know his date of birth or last digits of his social security number so that we can pass that additional information to the creditor The consumer can mail that to: SCSI, Attn: Compliance Department, P.OBox 6250, Madison, WI It would also likely help the creditor if the consumer would also indicate whether his father lived at the same address as the consumer and whether they share the same name
[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]
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