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
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, Our records show that
we have
made a total of calls to telephone numbers provided to us by the
creditorThe account was submitted to the three major credit bureaus on or
about August 4, (The consumer states it showed up on his credit report on
June 1, The account was not placed with our office until June 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, and on October 28, 2015) regarding the account and informed him that
the account had been placed with our office on June 2, On October 28,
we made a request to the creditor to obtain an itemized statementOn
November 3, 2015, we received the consumer’s written disputeWe 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, 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 statementWe 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 adjustmentsAs soon as
we receive that information from the creditor we will provide it to the consumer
The consumer alleges that we have called too frequently in an attempt to reach the consumer. We have made multiple calls to reach the consumer; however, we are calling in accordance with state and federal laws regarding the collection of debts owed to our client. Also, according to our
records no calls were made to consumer prior to 8:a.mcentral standard time (CST) and no calls were made to consumer after 9:p.mCST, which follows our company’s procedure for telephone communications with consumers as well as federal and state regulations. In addition to attempting to reach consumer via telephone, our agency has mailed notices to consumer’s attention. We did not speak with consumer through our calling efforts nor has consumer made any contact with our agency. Upon receiving consumer’s concern about our business and consumer’s desired settlement that we stop calling consumer, we have honored that request and will cease calling consumer unless consumer directs us otherwiseTell us why here
The consumer states collection agencies must comply with the FDCPA. We agree. We are not, however,
going to respond to a complaint through the Revdex.com complaint process when the consumer is threatening legal action. A letter was sent directly to the consumer in the mail on June 4, regarding the complaint
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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 reject this matter completely
Regards,
*** ***
The consumer states that we are attempting to collect an account from him that he is not responsible for. When we received the complaint, we reached out to the creditor for a response to the claim. We have not yet received any response from the creditor. In the meantime, as
the consumer requested no further contact from us, we will not communicate with the consumer with respect to this account. Depending on the response from the creditor, we will either (a) cancel and return the account if the creditor agrees the consumer is not the responsible party, or (2) we will provide the consumer in writing an itemized statement for the services if the creditor determined he is the responsible party. Even if the creditor determines that the consumer is responsible, we will not communicate with the consumer unless we hear from him otherwise
[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
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
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***
The consumer states this account is paid, alleges that she contacted the creditor who said the account was placed in error and claims that she called us in February 2015. We have verified with the creditor that the amount is due. The creditor does not show that any insurance information
was provided. The creditor also stated that it does not show any recent discussions with the consumer concerning this matter. We do not show that the consumer contacted our office in February 2015. In fact, we do not show any inbound calls to our office on this account. We do acknowledge receiving a dispute from the consumer by email on or about August 17, 2015. The dispute was forwarded to the client for review. If the consumer can provide to us proof of insurance for the service date in question, we can certainly provide that to the creditor. We will mail to the consumer the itemized statement showing the balance due once we have received it from the creditor
[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 ***, 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,
*** ***
[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 ***, and find that this resolution is satisfactory to me. Thank you for your response. I am emailing to notify you that the Collection Service Agency has responded to me directly. I apologize for wasting your time with this complaint. It seems that they have decided to cooperate now. Thank you for your time
Regards,
*** ***
The consumer states she is not responsible for an account as her insurance should have covered the services. She also alleges that her Wisconsin state tax refund cannot be intercepted based on federal poverty guidelines and there is no court approval. The consumer can certainly provide
to us any information she has regarding insurance. We note that the services in question were provided well over three years ago so insurance is not likely to pay on these accounts now. If there was a question about whether the services were in network, that issue should have been addressed with the insurer at the time of the determination. As to the federal poverty guidelines, Wisconsin's tax refund intercept program does not provide for any exemptions. If the consumer believes the state law provides for exemptions, we are open to receiving any information she may have on this and we will review it. As to court approval, we understand that the tax refund intercept program does not require a court order. As long as the creditor has provided the consumer with notice and an opportunity to be heard regarding the account, the account may be forwarded to the tax refund intercept program. The creditor billed the consumer and a notice of the consumer's right to appeal the certification of the accounts to the tax refund intercept program was mailed to the consumer on or about March 21, 2015. If the consumer would like to provide our office with additional information regarding her circumstances, we can forward that to the creditor for the creditor's consideration
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
[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 ***, and find that the business should be punished for sending out letter to consumer to begin with without having their facts.
Regards,
*** ***
The consumer states he sent a written dispute to our office regarding an account that appears on his credit report. He would like the account removed from his credit report. Our records do not reflect that we received a written dispute on this account. However, we do note that this
account was cancelled from our office and returned to the creditor on or about June 3, 2013. At the same time the account was cancelled, we made a request to the three major credit reporting agencies to remove the account from credit reporting. Since the consumer alleges the account remains on his credit report, on the day we received this complaint, we made an additional request to the credit bureaus to delete the account from the consumer's credit file. If the account remains on his credit report, he should provide us with the information showing this is on his credit report and we will work with him and the credit bureaus to resolve this issue
We take privacy and security seriously. Many large, well known health systems entrust with us the private and confidential information obtained by the health care provider. We have external audits of our security system performed and a third party that attests to our compliance with the Health Information Portability and Accountability Act and other regulations. We do not use any information supplied to us by our clients for personal use. We will continue to protect the consumer's information, but we cannot delete it from our collection system. We responded to the consumer's disputes in accordance with state and federal law
The consumer alleges our agency has ignored consumer’s request for verification of debts owed. By way of background our agency has multiple active medical debt accounts, eight total; that placed with our agency from September 7, through August 7, in the original balances of $226.54,
$75.00, $75.00, $2,474.90, $899.81, $2,842.29, $and $1,110.32. Our standard first notice was sent on each of these accounts, said notice advises consumer of consumer’s right to request verification of the debt within thirty days of receiving said notice. Our agency received no request for verification of debt during that time frame. Consumer mailed a request for verification of the debts owed to our agency via certified mail return receipt with a postal date of January 12, 2018. Please note there is no federal regulation regarding how long a creditor or the agency acting on their behalf must respond to a consumer’s request for verification of debt. Our agency began processing the request for verification of debts on January 16, and the creditor has responded to us by indicating that the debts are due and owing. Creditor has also provided our agency with itemized statements for each active account. On or about February 19, our agency mailed to consumer attention said itemized statements. While we work through this issue with consumer the eight active accounts are flagged to report to the three main credit bureaus as disputed
The consumer alleges that we did not send verification of debt owed to consumer within days of consumer’s request. The Fair Debt Collection Practices Act (FDCPA) does not impose any time frame for a debt collector to respond to a consumer’s request for validation of debt owed.
However, according to the FDCPA consumers are under a 30-day time limit to request validation. If a consumer does not request validation within days of receiving the first collection letter, the debt collector does not have to honor consumer’s request if; after the initial notice has been sent, consumer failed to request debt validation during that time. The account in question listed with our agency on September 7, and on or about September 12, we sent to consumer’s attention our collection notice. On August 21, 2017, we processed consumer’s request for verification. On or about September 28, 2017, we sent the itemized statement to consumer’s attention
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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.]
Regards,
*** *** You need to stop contacting me my dad is dead!!!
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
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, Our records show that
we have
made a total of calls to telephone numbers provided to us by the
creditorThe account was submitted to the three major credit bureaus on or
about August 4, (The consumer states it showed up on his credit report on
June 1, The account was not placed with our office until June 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, and on October 28, 2015) regarding the account and informed him that
the account had been placed with our office on June 2, On October 28,
we made a request to the creditor to obtain an itemized statementOn
November 3, 2015, we received the consumer’s written disputeWe 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, 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 statementWe 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 adjustmentsAs soon as
we receive that information from the creditor we will provide it to the consumer
The consumer alleges that we have called too frequently in an attempt to reach the consumer. We have made multiple calls to reach the consumer; however, we are calling in accordance with state and federal laws regarding the collection of debts owed to our client. Also, according to our
records no calls were made to consumer prior to 8:a.mcentral standard time (CST) and no calls were made to consumer after 9:p.mCST, which follows our company’s procedure for telephone communications with consumers as well as federal and state regulations. In addition to attempting to reach consumer via telephone, our agency has mailed notices to consumer’s attention. We did not speak with consumer through our calling efforts nor has consumer made any contact with our agency. Upon receiving consumer’s concern about our business and consumer’s desired settlement that we stop calling consumer, we have honored that request and will cease calling consumer unless consumer directs us otherwiseTell us why here
The consumer states collection agencies must comply with the FDCPA. We agree. We are not, however,
going to respond to a complaint through the Revdex.com complaint process when the consumer is threatening legal action. A letter was sent directly to the consumer in the mail on June 4, regarding the complaint
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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 reject this matter completely
Regards,
*** ***
The consumer states that we are attempting to collect an account from him that he is not responsible for. When we received the complaint, we reached out to the creditor for a response to the claim. We have not yet received any response from the creditor. In the meantime, as
the consumer requested no further contact from us, we will not communicate with the consumer with respect to this account. Depending on the response from the creditor, we will either (a) cancel and return the account if the creditor agrees the consumer is not the responsible party, or (2) we will provide the consumer in writing an itemized statement for the services if the creditor determined he is the responsible party. Even if the creditor determines that the consumer is responsible, we will not communicate with the consumer unless we hear from him otherwise
[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
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
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***
The consumer states this account is paid, alleges that she contacted the creditor who said the account was placed in error and claims that she called us in February 2015. We have verified with the creditor that the amount is due. The creditor does not show that any insurance information
was provided. The creditor also stated that it does not show any recent discussions with the consumer concerning this matter. We do not show that the consumer contacted our office in February 2015. In fact, we do not show any inbound calls to our office on this account. We do acknowledge receiving a dispute from the consumer by email on or about August 17, 2015. The dispute was forwarded to the client for review. If the consumer can provide to us proof of insurance for the service date in question, we can certainly provide that to the creditor. We will mail to the consumer the itemized statement showing the balance due once we have received it from the creditor
[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 ***, 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,
*** ***
[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 ***, and find that this resolution is satisfactory to me. Thank you for your response. I am emailing to notify you that the Collection Service Agency has responded to me directly. I apologize for wasting your time with this complaint. It seems that they have decided to cooperate now. Thank you for your time
Regards,
*** ***
The consumer states she is not responsible for an account as her insurance should have covered the services. She also alleges that her Wisconsin state tax refund cannot be intercepted based on federal poverty guidelines and there is no court approval. The consumer can certainly provide
to us any information she has regarding insurance. We note that the services in question were provided well over three years ago so insurance is not likely to pay on these accounts now. If there was a question about whether the services were in network, that issue should have been addressed with the insurer at the time of the determination. As to the federal poverty guidelines, Wisconsin's tax refund intercept program does not provide for any exemptions. If the consumer believes the state law provides for exemptions, we are open to receiving any information she may have on this and we will review it. As to court approval, we understand that the tax refund intercept program does not require a court order. As long as the creditor has provided the consumer with notice and an opportunity to be heard regarding the account, the account may be forwarded to the tax refund intercept program. The creditor billed the consumer and a notice of the consumer's right to appeal the certification of the accounts to the tax refund intercept program was mailed to the consumer on or about March 21, 2015. If the consumer would like to provide our office with additional information regarding her circumstances, we can forward that to the creditor for the creditor's consideration
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
[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 ***, and find that the business should be punished for sending out letter to consumer to begin with without having their facts.
Regards,
*** ***
The consumer states he sent a written dispute to our office regarding an account that appears on his credit report. He would like the account removed from his credit report. Our records do not reflect that we received a written dispute on this account. However, we do note that this
account was cancelled from our office and returned to the creditor on or about June 3, 2013. At the same time the account was cancelled, we made a request to the three major credit reporting agencies to remove the account from credit reporting. Since the consumer alleges the account remains on his credit report, on the day we received this complaint, we made an additional request to the credit bureaus to delete the account from the consumer's credit file. If the account remains on his credit report, he should provide us with the information showing this is on his credit report and we will work with him and the credit bureaus to resolve this issue
We take privacy and security seriously. Many large, well known health systems entrust with us the private and confidential information obtained by the health care provider. We have external audits of our security system performed and a third party that attests to our compliance with the Health Information Portability and Accountability Act and other regulations. We do not use any information supplied to us by our clients for personal use. We will continue to protect the consumer's information, but we cannot delete it from our collection system. We responded to the consumer's disputes in accordance with state and federal law
The consumer alleges our agency has ignored consumer’s request for verification of debts owed. By way of background our agency has multiple active medical debt accounts, eight total; that placed with our agency from September 7, through August 7, in the original balances of $226.54,
$75.00, $75.00, $2,474.90, $899.81, $2,842.29, $and $1,110.32. Our standard first notice was sent on each of these accounts, said notice advises consumer of consumer’s right to request verification of the debt within thirty days of receiving said notice. Our agency received no request for verification of debt during that time frame. Consumer mailed a request for verification of the debts owed to our agency via certified mail return receipt with a postal date of January 12, 2018. Please note there is no federal regulation regarding how long a creditor or the agency acting on their behalf must respond to a consumer’s request for verification of debt. Our agency began processing the request for verification of debts on January 16, and the creditor has responded to us by indicating that the debts are due and owing. Creditor has also provided our agency with itemized statements for each active account. On or about February 19, our agency mailed to consumer attention said itemized statements. While we work through this issue with consumer the eight active accounts are flagged to report to the three main credit bureaus as disputed
The consumer alleges that we did not send verification of debt owed to consumer within days of consumer’s request. The Fair Debt Collection Practices Act (FDCPA) does not impose any time frame for a debt collector to respond to a consumer’s request for validation of debt owed.
However, according to the FDCPA consumers are under a 30-day time limit to request validation. If a consumer does not request validation within days of receiving the first collection letter, the debt collector does not have to honor consumer’s request if; after the initial notice has been sent, consumer failed to request debt validation during that time. The account in question listed with our agency on September 7, and on or about September 12, we sent to consumer’s attention our collection notice. On August 21, 2017, we processed consumer’s request for verification. On or about September 28, 2017, we sent the itemized statement to consumer’s attention
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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.]
Regards,
*** *** You need to stop contacting me my dad is dead!!!