[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 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
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.]The bills that were sent to collections were not mailed to me as the business failed to update my billing address in all systemsI contacted them directly in November to have this donePlease send actual copies of bills as the address listed us incorrectPlease be advised the default judgment was appealed due to the negligence as the attorney's office failed to serve me so I had no knowledge of the court dateDue to the negligence of the business the bills in question were sent to collections and adverse action was taken against meThis is unacceptable practice as this business fail to take responsibility and be truthful.
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,
*** ***
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 did my part in sending the documents they requested for postponement of the matter This is not their fault they did not receive it, but nor is it mine I know the post office is not perfect and I am not requesting that they should have to take any blame, but being that this is a credit collection company, I know they are able to resolve this It seems they are not willing to participate in this matter at all, naming me to blame, because they obviously don't have any responsibility on their part of the matter Knowing that they cannot control what is received in the mail and what isn't I am just trying to get this matter resolved and they are not willing to accept anything, so there for I reject this and it's entirity and will keep pursuing itThank you for your time
Regards,
*** ***
We understand the consumer would like calls to the two telephone numbers the consumer provided in the complaint to cease. We will not contact those two numbers.
The consumer alleges that our agency has mailed consumer a letter that states our agency will take consumer’s tax refund if consumer does not pay a medical debt listed with our agency. By way of background on September 30, Valley Medical Center placed with our agency a medical debt in
the original balance of $for a service date of September 1, 2016. Our agency sent its first dunning notice to consumer on or about October 2, 2017. On or about February 8, our agency sent a second notice to consumer. At the top of that letter it states, “TAX REFUND…TAX REFUND!!! CALL!” In the middle of the letter is a statement, “Arrange to pay your account with your tax refund check!!!” Included in said letter are other payment options. The letter in question by no means is telling the consumer that consumer is supposed to pay or must pay with consumer’s tax refund. Instead the letter merely suggests that if consumer is to receive a tax refund then that may be an optional source of funds to use in paying the debt in question. There is no threatening language in the letter about taking consumer’s tax refund. Consumer’s desired settlement is no further contact with our agency. Upon receipt of this complaint we have updated the account to cease contact with consumer
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 have not received anything from this collection agency
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
Marquis ***
The consumer alleges that we did not send enough documentation to verify the debt owed to the consumer by only sending an itemized statement. 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. That itemized statement included: the name of the creditor, listings of the services provided, the nature and status of the debt, the dates on which the charges were incurred; and, the amount of the debt. This constitutes sufficient verification under the Fair Debt Collection Practices Act. While consumer does not dispute a certain portion of the debt based on the itemized statement sent, but rather is demanding a signed consent form. We have therefore mailed to consumer’s attention on or about November 6, 2017, the creditor’s signed consent form bearing consumer’s signature, the intake form indicating that consumer is listed as “Self-Pay” under primary insurance, the creditor’s transaction notes and itemized statement. Consumer previously had a payment arrangement with our agency and has made payments on said account, which is reflected on the itemized statement that was sent to the consumer’s attention. While we work through this issue the account is currently being reported as disputed to the three main credit reporting agencies Tell us why here
The consumer claims services and a balance related to the services appear on her credit report but states the services were covered by the consumer's insurance. Upon receipt of the complaint, we checked with the creditor. The creditor confirmed that the balances placed with our office
should have been paid by insurance and the consumer does not have any responsibility for the accounts. The accounts were returned to the creditor and credit reporting has been requested to be deleted from the account appearing on consumer's credit report
Creditor placed an account with our agency for collections on April 29, 2018.? On or about May 3, our agency mailed to consumer’s attention our standard first collection notice.? Said notice advised consumer of the right to dispute the validity of the debt within thirty-days of
receiving notice.? We have reviewed the account notes and no telephone calls were made to consumer’s telephone number provided by Creditor until May 3, 2018.? We do not call more frequently than allowed by state law.? Since we are collecting a medical debt for Creditor we are obligated to comply with the privacy and security requirements of the Health Insurance Portability and Accountability Act (HIPAA).? Our company has standards, policies and procedures in place to ensure sensitive/confidential information such as protected health information as defined by HIPAA is not improperly disclosed.? Part of our safeguards is to confirm we are communicating with the patient and/or responsible party by obtaining verification of the correct party by name and other demographic information such as date of birth or mailing address.? Those standards, policies and procedures are not meant to harass a consumer, instead they are to make certain that there are no security incidents.? To protect a consumer’s privacy, the Fair Debt Collection Practices Act (FDCPA) restricts the parties with whom debt collectors may communicate regarding a consumer’s debt.? These federal regulations, HIPAA and the FDCPA, have driven company policy of not disclosing our company name on outbound calls to consumers when an impasse is reached over second verification of demographic information.? Our company name indicates we are a collection agency, which we will not disclose on outbound calls until we have confirmed we are speaking to the consumer.? We have no record of calling consumer “weeks prior to sending correspondence” because as previously stated Creditor listed the account on April 29, and correspondence was mailed on or about May 3, 2018.? Creditor on May 31, updated our account indicating that payment was processed from consumer which paid the debt in full.? We thank you for that payment.? The account is closed and therefore collection activity has stopped.? Our agency did not report the account to the Credit Reporting Agencies.?
The consumer states an account was paid that had been placed with our office for collection.? The account was paid and is showing as reported as a paid collection according to our records.? As the consumer is requesting deletion of this paid account, we will request deletion.? In the
future, if the consumer has reduced an account to a zero balance and the account appears on her credit report, she can simply let us know.? There's no need to file a complaint such as this each time an account is paid
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
We will have to wait the days before closing this out to see what they actually doThey are reporting each line item as a separate account charged offI only have one billing account with Aurora? So there is no need for them to charge off all these different accounts when there's only one account they are charging off line items separatelyI'm having it looked into but the attorney general as well because it is not right you can't do that? ? We will have to wait for them to come back with all of the information I requested not some of it all of it before we can close this out ?
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,
*** ***
The consumer alleges the consumer made a request for an account to be deleted and has not received any response regarding the account.? The consumer, more likely, someone on consumer’s behalf, sent a dispute letter on June 23, to our office regarding a specific creditor and a specific
account.? Upon receipt of the dispute, we began the process of obtaining itemized statements from the creditor for the many accounts placed with our office by the creditor.? As we did not receive the information from the creditor in a timely fashion, we made a request to delete the specific account from credit reporting at the end of July, 2017.? The itemized statements for all accounts are now in our office and are being mailed to the consumer
The consumer claims an account placed with our office was paid.? She would like us to stop contacting her about the account.? We understand the concern of the consumer.? We agree the consumer paid an account placed with our office, however an additional account was placed after she
made payment.? More specifically, an account was placed with our office on October 21, 2015.? That account
was paid by the consumer on November 3, 2015.? The same creditor placed
a new account with our office on November 18, 2015.? The new account is
for the same amount as the first account but it relates to a different
date of service.? When we received a dispute from the consumer on the
new account, we contacted the creditor to determine if the account had
been paid.? The creditor confirmed it had not been paid and we sent the
consumer an itemized statement on or about December 10, 2015.? The second account remains due.? If the consumer believes this account was also paid, we will need proof of payment to provide to the creditor.? We apologize for any confusion regarding the two accounts.As the consumer has requested we not contact her, we have marked the account accordingly and will not contact her unless we hear from her otherwise?
The consumer 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
The consumer’s complaint appears to be with the creditor but we will again respond with the information we have.? The consumer states she informed the creditor of her updated address in November 2016.? The accounts we are collecting relate to services provided in October and November of 2015.? The accounts were placed with our office for collection in February and March of 2016.? Based on what the consumer is saying, she didn’t update her address until well after the services were provided and after the accounts were placed in collection.? In any event, it appears the consumer will be taking the opportunity to argue her case in court.? We are not involved in the court action and cannot comment on that issue other than to say we will await the outcome of the action
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 will acccept this once it is done at the end of the daysPlease keep open until the end of the days.?
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,
*** ***
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
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.]The bills that were sent to collections were not mailed to me as the business failed to update my billing address in all systemsI contacted them directly in November to have this donePlease send actual copies of bills as the address listed us incorrectPlease be advised the default judgment was appealed due to the negligence as the attorney's office failed to serve me so I had no knowledge of the court dateDue to the negligence of the business the bills in question were sent to collections and adverse action was taken against meThis is unacceptable practice as this business fail to take responsibility and be truthful.
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,
*** ***
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 did my part in sending the documents they requested for postponement of the matter This is not their fault they did not receive it, but nor is it mine I know the post office is not perfect and I am not requesting that they should have to take any blame, but being that this is a credit collection company, I know they are able to resolve this It seems they are not willing to participate in this matter at all, naming me to blame, because they obviously don't have any responsibility on their part of the matter Knowing that they cannot control what is received in the mail and what isn't I am just trying to get this matter resolved and they are not willing to accept anything, so there for I reject this and it's entirity and will keep pursuing itThank you for your time
Regards,
*** ***
We understand the consumer would like calls to the two telephone numbers the consumer provided in the complaint to cease. We will not contact those two numbers.
The consumer alleges that our agency has mailed consumer a letter that states our agency will take consumer’s tax refund if consumer does not pay a medical debt listed with our agency. By way of background on September 30, Valley Medical Center placed with our agency a medical debt in
the original balance of $for a service date of September 1, 2016. Our agency sent its first dunning notice to consumer on or about October 2, 2017. On or about February 8, our agency sent a second notice to consumer. At the top of that letter it states, “TAX REFUND…TAX REFUND!!! CALL!” In the middle of the letter is a statement, “Arrange to pay your account with your tax refund check!!!” Included in said letter are other payment options. The letter in question by no means is telling the consumer that consumer is supposed to pay or must pay with consumer’s tax refund. Instead the letter merely suggests that if consumer is to receive a tax refund then that may be an optional source of funds to use in paying the debt in question. There is no threatening language in the letter about taking consumer’s tax refund. Consumer’s desired settlement is no further contact with our agency. Upon receipt of this complaint we have updated the account to cease contact with consumer
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 have not received anything from this collection agency
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
Marquis ***
The consumer alleges that we did not send enough documentation to verify the debt owed to the consumer by only sending an itemized statement. 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. That itemized statement included: the name of the creditor, listings of the services provided, the nature and status of the debt, the dates on which the charges were incurred; and, the amount of the debt. This constitutes sufficient verification under the Fair Debt Collection Practices Act. While consumer does not dispute a certain portion of the debt based on the itemized statement sent, but rather is demanding a signed consent form. We have therefore mailed to consumer’s attention on or about November 6, 2017, the creditor’s signed consent form bearing consumer’s signature, the intake form indicating that consumer is listed as “Self-Pay” under primary insurance, the creditor’s transaction notes and itemized statement. Consumer previously had a payment arrangement with our agency and has made payments on said account, which is reflected on the itemized statement that was sent to the consumer’s attention. While we work through this issue the account is currently being reported as disputed to the three main credit reporting agencies Tell us why here
The consumer claims services and a balance related to the services appear on her credit report but states the services were covered by the consumer's insurance. Upon receipt of the complaint, we checked with the creditor. The creditor confirmed that the balances placed with our office
should have been paid by insurance and the consumer does not have any responsibility for the accounts. The accounts were returned to the creditor and credit reporting has been requested to be deleted from the account appearing on consumer's credit report
Creditor placed an account with our agency for collections on April 29, 2018.? On or about May 3, our agency mailed to consumer’s attention our standard first collection notice.? Said notice advised consumer of the right to dispute the validity of the debt within thirty-days of
receiving notice.? We have reviewed the account notes and no telephone calls were made to consumer’s telephone number provided by Creditor until May 3, 2018.? We do not call more frequently than allowed by state law.? Since we are collecting a medical debt for Creditor we are obligated to comply with the privacy and security requirements of the Health Insurance Portability and Accountability Act (HIPAA).? Our company has standards, policies and procedures in place to ensure sensitive/confidential information such as protected health information as defined by HIPAA is not improperly disclosed.? Part of our safeguards is to confirm we are communicating with the patient and/or responsible party by obtaining verification of the correct party by name and other demographic information such as date of birth or mailing address.? Those standards, policies and procedures are not meant to harass a consumer, instead they are to make certain that there are no security incidents.? To protect a consumer’s privacy, the Fair Debt Collection Practices Act (FDCPA) restricts the parties with whom debt collectors may communicate regarding a consumer’s debt.? These federal regulations, HIPAA and the FDCPA, have driven company policy of not disclosing our company name on outbound calls to consumers when an impasse is reached over second verification of demographic information.? Our company name indicates we are a collection agency, which we will not disclose on outbound calls until we have confirmed we are speaking to the consumer.? We have no record of calling consumer “weeks prior to sending correspondence” because as previously stated Creditor listed the account on April 29, and correspondence was mailed on or about May 3, 2018.? Creditor on May 31, updated our account indicating that payment was processed from consumer which paid the debt in full.? We thank you for that payment.? The account is closed and therefore collection activity has stopped.? Our agency did not report the account to the Credit Reporting Agencies.?
The consumer states an account was paid that had been placed with our office for collection.? The account was paid and is showing as reported as a paid collection according to our records.? As the consumer is requesting deletion of this paid account, we will request deletion.? In the
future, if the consumer has reduced an account to a zero balance and the account appears on her credit report, she can simply let us know.? There's no need to file a complaint such as this each time an account is paid
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
We will have to wait the days before closing this out to see what they actually doThey are reporting each line item as a separate account charged offI only have one billing account with Aurora? So there is no need for them to charge off all these different accounts when there's only one account they are charging off line items separatelyI'm having it looked into but the attorney general as well because it is not right you can't do that? ? We will have to wait for them to come back with all of the information I requested not some of it all of it before we can close this out ?
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,
*** ***
The consumer alleges the consumer made a request for an account to be deleted and has not received any response regarding the account.? The consumer, more likely, someone on consumer’s behalf, sent a dispute letter on June 23, to our office regarding a specific creditor and a specific
account.? Upon receipt of the dispute, we began the process of obtaining itemized statements from the creditor for the many accounts placed with our office by the creditor.? As we did not receive the information from the creditor in a timely fashion, we made a request to delete the specific account from credit reporting at the end of July, 2017.? The itemized statements for all accounts are now in our office and are being mailed to the consumer
The consumer claims an account placed with our office was paid.? She would like us to stop contacting her about the account.? We understand the concern of the consumer.? We agree the consumer paid an account placed with our office, however an additional account was placed after she
made payment.? More specifically, an account was placed with our office on October 21, 2015.? That account
was paid by the consumer on November 3, 2015.? The same creditor placed
a new account with our office on November 18, 2015.? The new account is
for the same amount as the first account but it relates to a different
date of service.? When we received a dispute from the consumer on the
new account, we contacted the creditor to determine if the account had
been paid.? The creditor confirmed it had not been paid and we sent the
consumer an itemized statement on or about December 10, 2015.? The second account remains due.? If the consumer believes this account was also paid, we will need proof of payment to provide to the creditor.? We apologize for any confusion regarding the two accounts.As the consumer has requested we not contact her, we have marked the account accordingly and will not contact her unless we hear from her otherwise?
The consumer 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
The consumer’s complaint appears to be with the creditor but we will again respond with the information we have.? The consumer states she informed the creditor of her updated address in November 2016.? The accounts we are collecting relate to services provided in October and November of 2015.? The accounts were placed with our office for collection in February and March of 2016.? Based on what the consumer is saying, she didn’t update her address until well after the services were provided and after the accounts were placed in collection.? In any event, it appears the consumer will be taking the opportunity to argue her case in court.? We are not involved in the court action and cannot comment on that issue other than to say we will await the outcome of the action
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 will acccept this once it is done at the end of the daysPlease keep open until the end of the days.?
Regards,
*** ***