The consumer would like to pay less than the full amount due and claims to have contacted the creditor about paying the lesser amount in a timely manner. We contacted the creditor and the creditor states it does have any record of receiving any request from the consumer. The creditor
confirmed that the full balance is due and owing and the creditor does not accept settlements at this time on these accounts. Accordingly, we are not authorized to accept a reduced sum at this time
The consumer alleges that we did not send a list of debts to consumer as requested. Upon receiving this complaint, we have reviewed the accounts, the account notes and correspondence associated with those accounts. By way of background *** Clinics (Creditor) on June 29, began
placing accounts with our agency to collect on their behalf for debts owed to them by consumer. We mailed our standard first collection notice regarding the placements with our agency to consumer’s attention on or about July 2, 2016. The address that the notice was sent to is the same address on consumer’s complaint. We received said notice back from consumer with a written dispute stating that consumer has not received any e-statements from Creditor and therefore should not have a balance due. We forwarded the dispute on to the Creditor who responded that the debts are due and owing and provided verification of the debts through itemized statements, which were mailed to consumer’s attention on or about August 9, 2016. Subsequently, we mailed a list of accounts to consumer’s attention on or about September 30, and another list of accounts was mailed to consumer’s attention on or about April 17, 2017. On March 22, we received an email from consumer requesting a current list of accounts and that list was emailed to consumer that day with payment options. Please note that we are a collection agency and we cannot disclose the nature of consumer’s debts with a third party such as People’s State Bank without consumer’s prior authorization; however, once that authorization is obtained we are then able to do so. State Collection Service, Inchas been in business since and is a licensed collection agency with the State of Wisconsin - license number: 125. Creditor has authorized our agency to report to the credit reporting agencies and once an account is paid in full we mark our system to request removal of the paid account from the three major credit reporting agencies (Equifax, Experian and TransUnion). Please note that it may take the credit reporting agencies 30-days to update consumer’s credit file and this is beyond our control. If consumer needs any other assistance with the active accounts with our agency, consumer should contact us
The consumer states that an amount is being reported to the credit bureaus that is not correct. The consumer has multiple accounts in our office. The consumer did make a payment of $on August 8, 2016. That payment was applied to two different accounts, one for $and the
other for $30. If the consumer would like the payment to be applied to a different account, we can reverse the payments and apply the amount to whichever balance the consumer would like. The consumer should contact our office at ###-###-#### to make this request. Or let us know that she would like to do this in a reply to this response. We are more than willing to accommodate her request and can request deletion of the account from her credit report in doing so
The consumer questions the placement of accounts on her credit report. The creditor placed two separate accounts with our office. The first account was placed on March 10, 2017. On or about March 13, 2017, we mailed a letter to the consumer notifying her of the placement of the
account. The second account was placed on April 7, 2017. On or about April 10, 2017, we mailed a letter to the consumer notifying her of the placement of the second account. On or about June 14, 2017, we submitted the first account for credit reporting. On or about July 14, 2017, we submitted the second account for credit reporting. The consumer did make and we received three payments of $each in April, May and June. We do not show a $payment for July as the consumer alleges. The consumer contacted us through our website on or about July 20, 2017, essentially making the same claims she makes in this complaint. We responded to that contact by email on July 20, providing the consumer with summary information concerning the accounts. These delinquent accounts were submitted for credit reporting as they are not paid. We will submit a request to delete an account from credit reporting as the account reaches a zero balance. Itemized statements for each account will be mailed to the consumer today
[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 is concerned about her medical information that may have been provided to the father of her child. We have reviewed the call in question. The account representative involved did not disclose any individually identifiable health information to the father of her child.
Accordingly, we do not believe there was any disclosure of medical information in violation of HIPAA laws. Although no such information was disclosed, we have taken steps internally to address this issue with the account representative who was involved in the call. As the consumer has requested we not contact her, we have ceased all communication with her on the account in question. We have also marked the account to prevent any credit reporting of the account in question. Please do not hesitate to contact our office in the event further information is required
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 is under the impression that the consumer must sign something authorizing the creditor to release information to our office. The Health Insurance Portability and Accountability Act does not require a signed writing authorizing the release of information in this instance.
The consumer claims to have paid an account and asked us to cease contact with him. By way of background, the creditor placed two balances in our office for collection on December 18, 2015. A validation notice was sent notifying the consumer of the balance on or about December 24,
2015. The consumer called on December and said he didn't owe anything. On January 10, 2016, the creditor reported a payment to us that it had received from the consumer on January 8, in the amount of $38, which was the balance of one of the two accounts placed in our office. On January 11, 2016, we received a dispute letter from the consumer. We forwarded the dispute information to the creditor and obtained an itemized statement for the balance that remained due. On January 21, 2016, we mailed the itemized statement to the consumer for the balance that remained due. The account with the $balance is closed in our office. The account with the balance of $remains due. We have asked the creditor to verify if any more payments have been made by the consumer after the account was placed in our office. If they report a payment, we will apply it to the account. In the meantime, since the consumer has requested we cease contact with him, we will do so unless we hear from him otherwise
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 days and that is beyond our control. If the consumer has any questions regarding this response, she may contact our *** *** *** directly at ###-###-####, ext***
The consumer claims that we have not been communicating with her. We are perplexed by this complaint. As the consumer references, there were basically two sets of accounts she was working with us on. Regarding the first set of accounts, we exchanged numerous emails with the
consumer. In one of her responses dated 2/2/17, the consumer stated: "Thank you for the constant communication." In the second set of accounts, we again sent many responses to emails. Apparently, the consumer did not receive our numerous communications in response. However, the consumer, today, at 1:p.m., in response to our communications, said: "Thank you very much!" Accordingly, we believe we have been responsive to the many consumer requests.
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,
*** ***
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 am sorry but I can not accept that as a valid responseI am personally not interested in what others have entrusted with your companyThis is regarding my life, lively hood, and well beingI appreciate the fact that you have requested the 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 requestAfter 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 issueHere is the problemI never contracted with you all, therefor you never should have had any information pertaining to meNot my name, address, phone number, nothingSo as a last attempt, I am begging you to remove any/all information pertaining to me form your filesOtherwise I will have no other recourse but to pursue litigation for defamation of character, and identity theftI 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 attorneysThank you in advance
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.
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.
Regards,
*** ***
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.
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
I would ask that this complaint remain open until I receive written confirmation from the three credit report agencies that the derogatory has been removed from my credit file I have requested from each agency Until I have written verification from each reporting agency the complaint should remain open
Regards,
Dawn ***
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
[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,
*** ***
[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,
*** ***
The consumer would like to pay less than the full amount due and claims to have contacted the creditor about paying the lesser amount in a timely manner. We contacted the creditor and the creditor states it does have any record of receiving any request from the consumer. The creditor
confirmed that the full balance is due and owing and the creditor does not accept settlements at this time on these accounts. Accordingly, we are not authorized to accept a reduced sum at this time
The consumer alleges that we did not send a list of debts to consumer as requested. Upon receiving this complaint, we have reviewed the accounts, the account notes and correspondence associated with those accounts. By way of background *** Clinics (Creditor) on June 29, began
placing accounts with our agency to collect on their behalf for debts owed to them by consumer. We mailed our standard first collection notice regarding the placements with our agency to consumer’s attention on or about July 2, 2016. The address that the notice was sent to is the same address on consumer’s complaint. We received said notice back from consumer with a written dispute stating that consumer has not received any e-statements from Creditor and therefore should not have a balance due. We forwarded the dispute on to the Creditor who responded that the debts are due and owing and provided verification of the debts through itemized statements, which were mailed to consumer’s attention on or about August 9, 2016. Subsequently, we mailed a list of accounts to consumer’s attention on or about September 30, and another list of accounts was mailed to consumer’s attention on or about April 17, 2017. On March 22, we received an email from consumer requesting a current list of accounts and that list was emailed to consumer that day with payment options. Please note that we are a collection agency and we cannot disclose the nature of consumer’s debts with a third party such as People’s State Bank without consumer’s prior authorization; however, once that authorization is obtained we are then able to do so. State Collection Service, Inchas been in business since and is a licensed collection agency with the State of Wisconsin - license number: 125. Creditor has authorized our agency to report to the credit reporting agencies and once an account is paid in full we mark our system to request removal of the paid account from the three major credit reporting agencies (Equifax, Experian and TransUnion). Please note that it may take the credit reporting agencies 30-days to update consumer’s credit file and this is beyond our control. If consumer needs any other assistance with the active accounts with our agency, consumer should contact us
The consumer states that an amount is being reported to the credit bureaus that is not correct. The consumer has multiple accounts in our office. The consumer did make a payment of $on August 8, 2016. That payment was applied to two different accounts, one for $and the
other for $30. If the consumer would like the payment to be applied to a different account, we can reverse the payments and apply the amount to whichever balance the consumer would like. The consumer should contact our office at ###-###-#### to make this request. Or let us know that she would like to do this in a reply to this response. We are more than willing to accommodate her request and can request deletion of the account from her credit report in doing so
The consumer questions the placement of accounts on her credit report. The creditor placed two separate accounts with our office. The first account was placed on March 10, 2017. On or about March 13, 2017, we mailed a letter to the consumer notifying her of the placement of the
account. The second account was placed on April 7, 2017. On or about April 10, 2017, we mailed a letter to the consumer notifying her of the placement of the second account. On or about June 14, 2017, we submitted the first account for credit reporting. On or about July 14, 2017, we submitted the second account for credit reporting. The consumer did make and we received three payments of $each in April, May and June. We do not show a $payment for July as the consumer alleges. The consumer contacted us through our website on or about July 20, 2017, essentially making the same claims she makes in this complaint. We responded to that contact by email on July 20, providing the consumer with summary information concerning the accounts. These delinquent accounts were submitted for credit reporting as they are not paid. We will submit a request to delete an account from credit reporting as the account reaches a zero balance. Itemized statements for each account will be mailed to the consumer today
[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 is concerned about her medical information that may have been provided to the father of her child. We have reviewed the call in question. The account representative involved did not disclose any individually identifiable health information to the father of her child.
Accordingly, we do not believe there was any disclosure of medical information in violation of HIPAA laws. Although no such information was disclosed, we have taken steps internally to address this issue with the account representative who was involved in the call. As the consumer has requested we not contact her, we have ceased all communication with her on the account in question. We have also marked the account to prevent any credit reporting of the account in question. Please do not hesitate to contact our office in the event further information is required
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 is under the impression that the consumer must sign something authorizing the creditor to release information to our office. The Health Insurance Portability and Accountability Act does not require a signed writing authorizing the release of information in this instance.
The consumer claims to have paid an account and asked us to cease contact with him. By way of background, the creditor placed two balances in our office for collection on December 18, 2015. A validation notice was sent notifying the consumer of the balance on or about December 24,
2015. The consumer called on December and said he didn't owe anything. On January 10, 2016, the creditor reported a payment to us that it had received from the consumer on January 8, in the amount of $38, which was the balance of one of the two accounts placed in our office. On January 11, 2016, we received a dispute letter from the consumer. We forwarded the dispute information to the creditor and obtained an itemized statement for the balance that remained due. On January 21, 2016, we mailed the itemized statement to the consumer for the balance that remained due. The account with the $balance is closed in our office. The account with the balance of $remains due. We have asked the creditor to verify if any more payments have been made by the consumer after the account was placed in our office. If they report a payment, we will apply it to the account. In the meantime, since the consumer has requested we cease contact with him, we will do so unless we hear from him otherwise
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 days and that is beyond our control. If the consumer has any questions regarding this response, she may contact our *** *** *** directly at ###-###-####, ext***
The consumer claims that we have not been communicating with her. We are perplexed by this complaint. As the consumer references, there were basically two sets of accounts she was working with us on. Regarding the first set of accounts, we exchanged numerous emails with the
consumer. In one of her responses dated 2/2/17, the consumer stated: "Thank you for the constant communication." In the second set of accounts, we again sent many responses to emails. Apparently, the consumer did not receive our numerous communications in response. However, the consumer, today, at 1:p.m., in response to our communications, said: "Thank you very much!" Accordingly, we believe we have been responsive to the many consumer requests.
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,
*** ***
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 am sorry but I can not accept that as a valid responseI am personally not interested in what others have entrusted with your companyThis is regarding my life, lively hood, and well beingI appreciate the fact that you have requested the 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 requestAfter 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 issueHere is the problemI never contracted with you all, therefor you never should have had any information pertaining to meNot my name, address, phone number, nothingSo as a last attempt, I am begging you to remove any/all information pertaining to me form your filesOtherwise I will have no other recourse but to pursue litigation for defamation of character, and identity theftI 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 attorneysThank you in advance
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.
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.
Regards,
*** ***
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.
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
I would ask that this complaint remain open until I receive written confirmation from the three credit report agencies that the derogatory has been removed from my credit file I have requested from each agency Until I have written verification from each reporting agency the complaint should remain open
Regards,
Dawn ***
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
[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,
*** ***
[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,
*** ***