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 53716. 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
The consumer states an account was paid. Upon receipt of the complaint, we verified with the creditor whether payment was made. We confirmed that the account was paid directly to the creditor after placement with our office. The payment has now been applied to the account and our
system reflects a zero balance. The account has been requested to be removed from credit reporting
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 our agency failed to remove account information from the credit reporting agencies in 2015. 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 two accounts listed with our agency from creditor and those accounts are paid in full. Once the accounts were paid in full our agency reported to the credit reporting agencies that the accounts are a paid collection account. We first heard that there was an issue with the reporting on March 30, 2018, when consumer advised that information reporting is causing an issue in attempting to acquire a loan. On April 6, our agency requested deletion of the accounts from credit reporting and that same day our agency faxed confirmation of that action to consumer’s banker. We apologize for the delay in getting this information over to consumer's banker
The consumer would like to settle the account placed with our office or return the account to the creditor. The consumer appears to claim that she asked us to settle this or work it out with the insurance companies. Before addressing the complaint, we do wish to state that we are sorry
to hear that the consumer and her husband were the victims of a drunk driving accident. We understand how difficult it must be to deal with the consequences of such an accident.In reviewing this account, we note that the consumer has stated on several occasions that she would contact the insurance company to determine why this account was not paid. It is not our responsibility to follow up with the insurers and we waited to hear from the consumer while she followed up with the insurers. The consumer has also called several times asking to settle the account. On each occasion we told her we cannot settle the accountOn one occasion, after telling her we could not settle the account, the consumer proceeded to call the creditor and told the creditor that she had contacted our office and alleged that we could not find the account. We had obviously just discussed the account with her. On the same day this occurred, the consumer filed this complaint with the Revdex.com. We are not authorized to settle this account at this time. We are not returning the account to the creditor. We are willing to work out reasonable payment arrangements if the consumer cannot pay the account in full
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
As I said from beginning that this is due to the wrong billing codes and I should not been involved in this annoying thingI didn't and don't have any business with the State Collection ServiceAnd they should clear out all the traces they left for me completely including from there systemI'll not accept their hold my case statusIt's simply not a valid case
Regards,
*** ***
The consumer states he received a call from our office after setting up a payment plan. He also states he received an apology. We apologize again for the second call. It is not our policy to make calls on accounts that have payment plans that are in place. The first
representative handling the account did not follow our process and move the account so that calls would not be made. We have followed our internal process to address this issue with the first representative Again, we apologize for the placement of the second call
The consumer claims that he paid the full amount of an account we were collecting directly to the creditor and requests removal of the account from his credit report. The creditor did report the payment to our office on October 6, 2016. The new balance on the account would have been
reported to the credit reporting agencies. The new balance on the account was the interest that had accrued as allowed by the creditor and the law. We have written off the interest and requested removal of the account from the credit reporting agencies.
The consumer would like to wait days and questions credit reporting each account separately. We have no problem waiting for days. As to credit reporting, reporting each account separately is appropriate. One of the reasons it is appropriate is that each account potentially has a separate date of delinquency, which is the date used to determine how long an item may remain reported as a delinquent account for credit reporting purposes. By reporting each account separately, we remain in compliance with the requirements of the Fair Credit Reporting Act
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
[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 *** C***, sent certified mail, immediately after having a conversation with its Supervisor concerning the representation on behalf of Attorney *** ***, 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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
The consumer states she was treated rudely by an account representative and supervisor. We expect our employees to behave professionally and treat consumers with dignity and respect. We do record our calls for several reasons, including to address complaints and make sure consumers are
treated fairly. We did review the calls. Neither the account representative nor the supervisor were as helpful as we expect. While they each were accurate in explaining the status of the accounts and what we could or could not do with respect to insurance, they could have done so in a manner that would have been better received by the consumer. We will follow our internal process and address each employee.We note that the consumer claims we "flagged [her] credit report again for the same accounts, causing [her] score to drop again." We are required by law to report a disputed account to the credit bureaus. We did report to the credit bureaus that the consumer disputed the accounts. If the consumer is referring to this action as the "flagging" of her account, as stated, we are required to report the dispute. If the consumer believes we did something beyond reporting the dispute, she should contact our Chief Compliance Officer at the contact information provided below.The consumer has requested we not contact her. We will not contact her. We will contact the creditor to see whether the creditor wishes to keep the accounts active in our office and, if so, whether insurance was billed. We do note from the information provided to us that it appears a primary insurance and secondary insurance were both billed and that the secondary insurance made payments. However, as our information is limited, we will verify this with the creditor. We also note that the consumer has followed up with her insurance company and it appears the matter is on appeal at this time. Again, we will not contact the consumer unless we hear from her otherwise. We will mail whatever information we receive from the creditor to her though in order to respond to the insurance issue.While the consumer states she is beyond wanting an apology, we, as a company, do apologize for not providing her the help we expect our employees to provide. The consumer is encouraged to call our Chief Compliance Officer at ###-###-####, ext*** if she has any questions or to provide additional information regarding her credit report
The consumer has raised concern regarding billing or collections issues. In particular, consumer alleges that our agency is reporting a debt to the credit reporting agencies without consumer’s awareness. Our agency has five active accounts placed with us from creditor. Please note
that creditor maintains ownership of the accounts and our agency is merely acting as an agent in the collection of the debts owed on those accounts. The creditor has authorized our agency to report to the consumer reporting agencies (CRAs) any delinquent account balance over $that has been listed with our agency for more than sixty days. We have confirmed that our standard first collection notices for these accounts were sent to consumer’s attention to the address consumer listed on this complaint. The Fair Credit Reporting Act and the Health Insurance Portability and Accountability Act permit providers and their agent to report information related to medical debts to CRAs. No special notice to consumer is required by Federal and state regulations prior to furnishing information to CRAs. Lastly, consumer alleges that the “collection is fraudulent and wrong charge.” We have requested verification of debts from creditor and once received we shall mail the itemized statements to consumer’s attention. While we work through the verification of debts process the accounts that are eligible to report to the CRAs are reporting as disputed
The consumer states we will not provide an identity of our company. The consumer believes we are required to provide our company name prior to her disclosing who she is. We take the privacy concerns of individuals seriously. For that reason, we attempt to verify who we are speaking
to prior to providing additional information. In order to verify who we are talking with, we typically request the consumer to verify an address or date of birth or, if we have the information, the last four digits of a social security number. We believe this verification process protects consumers. If we start discussing account information, including identifying who we are, we risk violating the Fair Debt Collection Practices Act if we are not speaking to the correct person. Disclosing who we are to someone other than the consumer we are trying to reach can constitute disclosure of a debt to an unauthorized third party. In addition, since we may be collecting on accounts involving medical services, we risk violating the Health Insurance Portability and Accountability Act if we were to disclose protected health information to someone other than the consumer. We understand the consumer's concern here about protecting her identity. It is our concern also. It appears she now knows who we are.
The consumer states he has no knowledge of the account and requests documentation. He also appears to be alleging fraud. We note that this same consumer filed a similar complaint in March as Revdex.com #***. In response to that complaint, we stated the following: "The consumer
alleges he is not responsible for an account listed with our officeHe does not state why he believes he is not responsibleHe requests verification of the debt within daysWe have verified with the creditor that the amount is dueWe mailed verification of the account to the consumer todayIf the consumer would like to provide specific information to us on why he is not responsible, he may mail it to: *** *** *** *** *** *** *** *** ** ***Upon receipt of that information, we will investigate further."When we received this new complaint, we once again forwarded the itemized statement to the consumer. If the consumer believes the account is due to fraud, he should provide our office with a fraud/identity theft affidavit so that we may forward it to the creditor for review and investigation. The account has not been submitted for credit reporting by this office
The consumer states he has not received an itemized statement after it was requested. We apologize for the initial delay in providing the information to the consumer. Our process on handling the request was not followed. However, on September 8, 2016, we did attempt to mail the
requested information to the address confirmed by the consumer on July 6, 2016. The letter was returned to our office on September 16, and a different (forwarding) address was provided. We then mailed the information again to the new address on that same date. We note that the consumer has provided a different address in filing this complaint. We mailed the information to the address provided in this complaint on November 29, In short, we have mailed the information to three different addresses. The account has not been submitted for credit reporting. If the consumer has not received the information, he should contact our office
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.My complaint is with the collection agencyI have a separate compliant with the health care providerI made contact with your collection Agency and updated my address information after I notice the debt reporting on my CR, which was given to request validation of the debt reportedTHIS IS HOW your office obtained my mother's addressI NEVER refused to provide my address as I am currently in transition of moving, I did refused to give me phone number as I told them I do not want them calling me until the debt is validated. I informed your agency to obtain my contact information from AURORA as I am a active patient with them and they have all my updated contact informationAurora Health care is willing to work with me and have been, it is your collection agency who fail to as you are trying to profit off of the allege debtAs a Collection agency for medical bills, I would expect you to me mindful of the patient's BILL of Rightsit clearly states, "Health care providers must be required to send itemized bills for all charges. Patients have a right to an itemized bill with a clear description of each item and all codes related, for which the patient is being charged." and " Patients must have access to their medical records. Patients or their assigned representatives shall receive one copy of medical records upon request. Such a written request must be honored within days. Patients must have the right to verify the accuracy of their billsHealthcare providers must credit patient’s account for the cost of medical records, if errors are identified." I have never had medical bills or debt, I have a active HSA account and if I was properly billed and notified of the amounts owed I would have paid them. My credit has been impacted due to the neglect of the Collection agencyI have spoke to the health care provider and they were willing to provide me with the information needed to confirm I am not being over billedI ask your collection agency to provide proof I was billed and refused or neglected to pay knowinglyI am going to continue to pursue this issue until the truth comes out in courtI have already proven that the initial judgment was mishandledAlso, as indicated your office is reporting me and overstated the amount you have in your officeI am waiting for the EOB's from my old insurance company as the dates you state I was billed is FALSEI have proof of that, which I will show in courtI have attached proof of the reporting I seePlease provide all records that show I was billed at the current addressPlease be advised AURORA been updated my address; however, it is my understanding not all billing systems were updatedI obtained this information from Aurora as advised they are willing to work with me
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 appreciate the fact that they have requested that this account be removed from Experian, Equifax, and Trans unionThis company will delete all of my personal informationThey have no right to keep it since I have never contracted with themI have no evidence that that will not use my information in a derogatory way seeing as how I have contacted them on many occasions both via phone, us postal mail, and certified mail requestIt took for the Revdex.com to get involved for action to be taken. Yes, I did say that I was sent communication from this company and I also noted that it was screen shots of what appeared to be a medical billI did not accept that's proof that could have been made up on any device with internet capabilities and a word processorSo NO I did not accept that periodI asked for strict proof,not proof of my mailing address but I asked was the deb assigned or do you own itThey never repliedI just got notification back that we have verified the debt? Never any factual proof, no names of whom they talked too, no signed agreements, nothing but a "screen shot" and letters from this company Im happy that they will delete this from the credit agencies this but my personal information needs to be destroyed period or they will be hearing from my attorneyThis is not a threat, this is a promise The attached letter were sent to State Collection service I have the proofI also have the responseIt was vague and a screen shot
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
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 ***
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 53716. 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
The consumer states an account was paid. Upon receipt of the complaint, we verified with the creditor whether payment was made. We confirmed that the account was paid directly to the creditor after placement with our office. The payment has now been applied to the account and our
system reflects a zero balance. The account has been requested to be removed from credit reporting
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 our agency failed to remove account information from the credit reporting agencies in 2015. 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 two accounts listed with our agency from creditor and those accounts are paid in full. Once the accounts were paid in full our agency reported to the credit reporting agencies that the accounts are a paid collection account. We first heard that there was an issue with the reporting on March 30, 2018, when consumer advised that information reporting is causing an issue in attempting to acquire a loan. On April 6, our agency requested deletion of the accounts from credit reporting and that same day our agency faxed confirmation of that action to consumer’s banker. We apologize for the delay in getting this information over to consumer's banker
The consumer would like to settle the account placed with our office or return the account to the creditor. The consumer appears to claim that she asked us to settle this or work it out with the insurance companies. Before addressing the complaint, we do wish to state that we are sorry
to hear that the consumer and her husband were the victims of a drunk driving accident. We understand how difficult it must be to deal with the consequences of such an accident.In reviewing this account, we note that the consumer has stated on several occasions that she would contact the insurance company to determine why this account was not paid. It is not our responsibility to follow up with the insurers and we waited to hear from the consumer while she followed up with the insurers. The consumer has also called several times asking to settle the account. On each occasion we told her we cannot settle the accountOn one occasion, after telling her we could not settle the account, the consumer proceeded to call the creditor and told the creditor that she had contacted our office and alleged that we could not find the account. We had obviously just discussed the account with her. On the same day this occurred, the consumer filed this complaint with the Revdex.com. We are not authorized to settle this account at this time. We are not returning the account to the creditor. We are willing to work out reasonable payment arrangements if the consumer cannot pay the account in full
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
As I said from beginning that this is due to the wrong billing codes and I should not been involved in this annoying thingI didn't and don't have any business with the State Collection ServiceAnd they should clear out all the traces they left for me completely including from there systemI'll not accept their hold my case statusIt's simply not a valid case
Regards,
*** ***
The consumer states he received a call from our office after setting up a payment plan. He also states he received an apology. We apologize again for the second call. It is not our policy to make calls on accounts that have payment plans that are in place. The first
representative handling the account did not follow our process and move the account so that calls would not be made. We have followed our internal process to address this issue with the first representative Again, we apologize for the placement of the second call
The consumer claims that he paid the full amount of an account we were collecting directly to the creditor and requests removal of the account from his credit report. The creditor did report the payment to our office on October 6, 2016. The new balance on the account would have been
reported to the credit reporting agencies. The new balance on the account was the interest that had accrued as allowed by the creditor and the law. We have written off the interest and requested removal of the account from the credit reporting agencies.
The consumer would like to wait days and questions credit reporting each account separately. We have no problem waiting for days. As to credit reporting, reporting each account separately is appropriate. One of the reasons it is appropriate is that each account potentially has a separate date of delinquency, which is the date used to determine how long an item may remain reported as a delinquent account for credit reporting purposes. By reporting each account separately, we remain in compliance with the requirements of the Fair Credit Reporting Act
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
[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 *** C***, sent certified mail, immediately after having a conversation with its Supervisor concerning the representation on behalf of Attorney *** ***, 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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
The consumer states she was treated rudely by an account representative and supervisor. We expect our employees to behave professionally and treat consumers with dignity and respect. We do record our calls for several reasons, including to address complaints and make sure consumers are
treated fairly. We did review the calls. Neither the account representative nor the supervisor were as helpful as we expect. While they each were accurate in explaining the status of the accounts and what we could or could not do with respect to insurance, they could have done so in a manner that would have been better received by the consumer. We will follow our internal process and address each employee.We note that the consumer claims we "flagged [her] credit report again for the same accounts, causing [her] score to drop again." We are required by law to report a disputed account to the credit bureaus. We did report to the credit bureaus that the consumer disputed the accounts. If the consumer is referring to this action as the "flagging" of her account, as stated, we are required to report the dispute. If the consumer believes we did something beyond reporting the dispute, she should contact our Chief Compliance Officer at the contact information provided below.The consumer has requested we not contact her. We will not contact her. We will contact the creditor to see whether the creditor wishes to keep the accounts active in our office and, if so, whether insurance was billed. We do note from the information provided to us that it appears a primary insurance and secondary insurance were both billed and that the secondary insurance made payments. However, as our information is limited, we will verify this with the creditor. We also note that the consumer has followed up with her insurance company and it appears the matter is on appeal at this time. Again, we will not contact the consumer unless we hear from her otherwise. We will mail whatever information we receive from the creditor to her though in order to respond to the insurance issue.While the consumer states she is beyond wanting an apology, we, as a company, do apologize for not providing her the help we expect our employees to provide. The consumer is encouraged to call our Chief Compliance Officer at ###-###-####, ext*** if she has any questions or to provide additional information regarding her credit report
The consumer has raised concern regarding billing or collections issues. In particular, consumer alleges that our agency is reporting a debt to the credit reporting agencies without consumer’s awareness. Our agency has five active accounts placed with us from creditor. Please note
that creditor maintains ownership of the accounts and our agency is merely acting as an agent in the collection of the debts owed on those accounts. The creditor has authorized our agency to report to the consumer reporting agencies (CRAs) any delinquent account balance over $that has been listed with our agency for more than sixty days. We have confirmed that our standard first collection notices for these accounts were sent to consumer’s attention to the address consumer listed on this complaint. The Fair Credit Reporting Act and the Health Insurance Portability and Accountability Act permit providers and their agent to report information related to medical debts to CRAs. No special notice to consumer is required by Federal and state regulations prior to furnishing information to CRAs. Lastly, consumer alleges that the “collection is fraudulent and wrong charge.” We have requested verification of debts from creditor and once received we shall mail the itemized statements to consumer’s attention. While we work through the verification of debts process the accounts that are eligible to report to the CRAs are reporting as disputed
The consumer states we will not provide an identity of our company. The consumer believes we are required to provide our company name prior to her disclosing who she is. We take the privacy concerns of individuals seriously. For that reason, we attempt to verify who we are speaking
to prior to providing additional information. In order to verify who we are talking with, we typically request the consumer to verify an address or date of birth or, if we have the information, the last four digits of a social security number. We believe this verification process protects consumers. If we start discussing account information, including identifying who we are, we risk violating the Fair Debt Collection Practices Act if we are not speaking to the correct person. Disclosing who we are to someone other than the consumer we are trying to reach can constitute disclosure of a debt to an unauthorized third party. In addition, since we may be collecting on accounts involving medical services, we risk violating the Health Insurance Portability and Accountability Act if we were to disclose protected health information to someone other than the consumer. We understand the consumer's concern here about protecting her identity. It is our concern also. It appears she now knows who we are.
The consumer states he has no knowledge of the account and requests documentation. He also appears to be alleging fraud. We note that this same consumer filed a similar complaint in March as Revdex.com #***. In response to that complaint, we stated the following: "The consumer
alleges he is not responsible for an account listed with our officeHe does not state why he believes he is not responsibleHe requests verification of the debt within daysWe have verified with the creditor that the amount is dueWe mailed verification of the account to the consumer todayIf the consumer would like to provide specific information to us on why he is not responsible, he may mail it to: *** *** *** *** *** *** *** *** ** ***Upon receipt of that information, we will investigate further."When we received this new complaint, we once again forwarded the itemized statement to the consumer. If the consumer believes the account is due to fraud, he should provide our office with a fraud/identity theft affidavit so that we may forward it to the creditor for review and investigation. The account has not been submitted for credit reporting by this office
The consumer states he has not received an itemized statement after it was requested. We apologize for the initial delay in providing the information to the consumer. Our process on handling the request was not followed. However, on September 8, 2016, we did attempt to mail the
requested information to the address confirmed by the consumer on July 6, 2016. The letter was returned to our office on September 16, and a different (forwarding) address was provided. We then mailed the information again to the new address on that same date. We note that the consumer has provided a different address in filing this complaint. We mailed the information to the address provided in this complaint on November 29, In short, we have mailed the information to three different addresses. The account has not been submitted for credit reporting. If the consumer has not received the information, he should contact our office
I accept your response Please re-apply the payment of $to the correct account and delete the item from my credit reports
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.My complaint is with the collection agencyI have a separate compliant with the health care providerI made contact with your collection Agency and updated my address information after I notice the debt reporting on my CR, which was given to request validation of the debt reportedTHIS IS HOW your office obtained my mother's addressI NEVER refused to provide my address as I am currently in transition of moving, I did refused to give me phone number as I told them I do not want them calling me until the debt is validated. I informed your agency to obtain my contact information from AURORA as I am a active patient with them and they have all my updated contact informationAurora Health care is willing to work with me and have been, it is your collection agency who fail to as you are trying to profit off of the allege debtAs a Collection agency for medical bills, I would expect you to me mindful of the patient's BILL of Rightsit clearly states, "Health care providers must be required to send itemized bills for all charges. Patients have a right to an itemized bill with a clear description of each item and all codes related, for which the patient is being charged." and " Patients must have access to their medical records. Patients or their assigned representatives shall receive one copy of medical records upon request. Such a written request must be honored within days. Patients must have the right to verify the accuracy of their billsHealthcare providers must credit patient’s account for the cost of medical records, if errors are identified." I have never had medical bills or debt, I have a active HSA account and if I was properly billed and notified of the amounts owed I would have paid them. My credit has been impacted due to the neglect of the Collection agencyI have spoke to the health care provider and they were willing to provide me with the information needed to confirm I am not being over billedI ask your collection agency to provide proof I was billed and refused or neglected to pay knowinglyI am going to continue to pursue this issue until the truth comes out in courtI have already proven that the initial judgment was mishandledAlso, as indicated your office is reporting me and overstated the amount you have in your officeI am waiting for the EOB's from my old insurance company as the dates you state I was billed is FALSEI have proof of that, which I will show in courtI have attached proof of the reporting I seePlease provide all records that show I was billed at the current addressPlease be advised AURORA been updated my address; however, it is my understanding not all billing systems were updatedI obtained this information from Aurora as advised they are willing to work with me
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 appreciate the fact that they have requested that this account be removed from Experian, Equifax, and Trans unionThis company will delete all of my personal informationThey have no right to keep it since I have never contracted with themI have no evidence that that will not use my information in a derogatory way seeing as how I have contacted them on many occasions both via phone, us postal mail, and certified mail requestIt took for the Revdex.com to get involved for action to be taken. Yes, I did say that I was sent communication from this company and I also noted that it was screen shots of what appeared to be a medical billI did not accept that's proof that could have been made up on any device with internet capabilities and a word processorSo NO I did not accept that periodI asked for strict proof,not proof of my mailing address but I asked was the deb assigned or do you own itThey never repliedI just got notification back that we have verified the debt? Never any factual proof, no names of whom they talked too, no signed agreements, nothing but a "screen shot" and letters from this company Im happy that they will delete this from the credit agencies this but my personal information needs to be destroyed period or they will be hearing from my attorneyThis is not a threat, this is a promise The attached letter were sent to State Collection service I have the proofI also have the responseIt was vague and a screen shot
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
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 ***