Account Management Services Inc

Our client (original creditor) assigned the consumer’s account to us for collections on 2/28/We received an email from the consumer on April 20, requesting additional information on her accountThe message also indicated that the preferred method of communication was email
instead of a telephone call or correspondence through the U.SmailThe email address the message was sent from does not indicate the consumer’s nameAlthough the email had a signature line indicating the message was sent from the consumer, we had no way of verifying the true identity of the senderWe replied to the email asking if the sender was in fact the consumer and that the best method to verify the sender’s identity would be by telephoneThe consumer’s response to our identity verification request again stated that she did not want a phone callShe reiterated that she wanted clarification on the balance and that she knows her rights under the Fair Debt Collection Practices Act (FDCPA)We replied by stating that we too want her rights protected and that we need to verify the identity of the sender in order to do soThe consumer replied once again, this time stating that she identified who she was by placing her name in the email and that she would be filing a complaint with the Revdex.com (Revdex.com) and the Federal Trade Commission (FTC)We received notification of the patient’s complaint through the Revdex.com on 4/25/The consumer’s chief complaint is that she didn't want to communicate over the telephoneWhile we understand her concerns, in order to remain compliant under the FDCPA, we cannot disclose private information to an individual whose identity cannot be properly verifiedWe have no obligation to communicate via email and we find this complaint to be frivolous in nature. We have since reviewed this matter with our client (original creditor) who has communicated to us that the consumer contacted their office as well and authorized a payment to clear the consumer’s past due balanceThe payment was processed on 5/3/The consumer’s account has been credited as paid-in-full in our system and a deletion request has been sent to the credit bureau

I*** ***,I have received and reviewed the consumer’s concerns in regards to our original response to her complaintAs previously stated in our original response, there has not been any payment received by AMS from any insurance company nor has an insurance company been billed for the amount being charged to the consumerAgain, the reason an insurance company has not been billed is the result of the consumer not responding to any requests made by AMS to present her medical insurance informationThe consumer continues to insist that this balance has been paid and then states in her response that her insurance company was never billedAn insurance company cannot be billed by the original creditor nor by AMS if the insurance information is not providedThe consumer’s response is conflicting and isn’t clear enough to establish a complete resolutionThere has been no negligence on AMS’ part and as previously stated, AMS is more than willing to work with the consumer should she decide to resolve the outstanding balanceAt this time, AMS considers this matter closed after having addressed the consumer’s concerns once again.Sincerely,Compliance & Collections Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

I have completed a thorough review of the consumer's account and will fully address theconsumer's complaint as follows: The consumer visited our client, a physical therapy office, onFebruary 26, 2014. At that time, the consumer was treated as a cash patient because theconsumer never provided...

insurance infmmation to the medical provider. On multiple occasionsafter the consumer's visit to the medical provider, the medical provider sent invoices to theconsumer requesting payment or for the consumer to provide medical insurance information.These requests went unanswered by the consumer. The medical provider sent the consumer'soutstanding balance of $140.00 to Account Management Services, Inc. (AMS) for collections onApril, 3 2014. AMS attempted to contact the consumer via telephone and through the US mail torequest payment or for the consumer to provide medical insurance information. The consumerdid not respond to any of the requests from AMS. The consumei· has never contacted AMS untilthis complaint was filed. Contrary to the consumer's statement, the outstanding balance of$1 40.00 has not been paid to AMS by any insurance company nor has the balance been billed toan insurance company by AMS due to the consumer not responding to all requests. Theoutstanding balance of $140.00 is due and owing by the consumer. If the consumer can provideproof of payment, AMS will investigate the payment once said proof is provided. Per theconsumer's request, AMS will flag the account as disputed by the consumer. We will not sendthis account back to the original creditor as it is an accurate reporting and no discrepancies arepresent. If the consumer's intent is to resolve this matter AMS is more than willing to work withthe consumer. At this time, AMS considers this matter closed after having addressed theconsumer's concerns and after performing a thorough investigation as to the details of theconsumer's account.[redacted]Compliance & Collections Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I reject the companies response because this bill was paid by my insurance, the only thing the original creditor had to do was to bill my insurance directly and the payment would have posted immediately.  The original creditor has a responsibility to bill insurance correctly and in a timely manner and this was not done.  I cannot as a consumer take responsibility for the negligence of the original creditor I cannot and I will not be blame for negligence on the part of the original creditor.  I will definitely be filing a formal complaint with the Department of Insurance, Federal Trade Commission and Office of the Attorney General,  Thank you.

To whom it may concern,We completely disagree with your determination in regards to our response to the consumer's dispute. We have addressed all of the consumer’s concerns and presented the consumer with the desired resolution. After our initial response to the consumer's complaint, the consumer contacted us via telephone and we once again addressed the consumer's concerns. Her interpretation of why she's being billed is unfounded and incorrect. As a courtesy to the consumer we agreed to write off the balance, delete the derogatory mark on the consumer's credit profile and provide the consumer with all documentation that explains why she owes the balance. We have gone above and beyond what was asked for and what is required by us.We urge you to re-open and reevaluate your determination as your description of “The Revdex.com has determined that your response does not adequately address all the issues or make a good faith effort to resolve the dispute' is completely unfounded. We have addressed all of the consumer's concerns and have put in more than a great deal of good faith to resolve the consumer's dispute. Even though we disagree with the consumer and vice versa, in good faith, we agreed to cancel the consumer's account from our system and delete the derogatory mark on her credit profile. We have done everything possible to ease the consumer's concerns.Having all of the consumer's requests addressed and granted does in fact resolve the matter. Please contact us with your updated determination on this complaint.

[redacted] provided services to the consumer as a result of a personal injury case. Unfortunately the consumer’s case did not settle with sufficient funds to pay for the expenses she incurred with [redacted] sold the consumer’s account to [redacted]...

[redacted]. We provide debt collection services for [redacted]. The account was assigned to our office on June 9, 2016. A copy of the original bill, signed financial responsibility sheet and notice from the original provider of service to direct any payments to [redacted] was forwarded to us at the time of assignment. I have verified with the original creditor that the account remains unpaid. I have mailed out a copy of the itemized bill, the consumer’s signature of financial responsibility and notice from [redacted] to the consumer on 09/08/2016.AMS takes consumer complaints and allegations very seriously. As stated already, AMS received the account from [redacted] on June 9, 2016. A total of six calls, since the assignment date, have been made to the consumer. As per the Revdex.com complaint, we will not contact the consumer again except to mail out copies of the aforementioned documents. We have submitted a request to the credit bureau to delete the mark on the consumer’s credit profile. We have also closed the consumer’s file by returning the account to [redacted]. If the consumer has any additional questions, [redacted] will need to be contacted directly.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution. Please respond in this space ONLY]when the surgeries were completed and the case was lost I ask Dr dollar and the billing dept if I owed anything and both said "no your insurance covered everything. I never received a call or a bill from that doctors office. If there was anything outstanding which there was not I would have handled it. Sending a bill to collections on 6.2016 is a gross error because services were completed prior to may of 2014 This is a gross error and a scam I never had any more services from [redacted] after may 15, 2014. I do not owe this huge bill it is a gross error period. And this email does NOT show anything from the doctor to refer to. So please get your head out of the sand and be professionAl  contact me at [redacted] and leave a detailed message for [redacted]
Regards,
[redacted]

On November 3, 2015 we, Account Management Services (AMS), received the consumer's account for collections. A representative from AMS spoke with the consumer on November 13, 2015 and informed the consumer of the outstanding balance being assigned to AMS for collections. The consumer stated he was...

aware of the outstanding balance and had received AMS' first collection notice that was mailed to the consumer on November 3, 2015. The consumer stated a letter would be sent to AMS to explain his intentions to resolve the account. AMS received a letter from the consumer on November 18, 2015 stating that the balance is disputed and requested that AMS cease and desist in contacting the consumer regarding this account. AMS did not respond to the consumer's letter that was received on November 18, 2015 because of the cease and desist order. On November 18, 2015 AMS flagged the consumer's account as disputed and placed the account on a cease and desist hold so that no further contact would be made to the consumer regarding the account. On March 23, 2016 AMS received a fax from the consumer stating AMS has failed to respond to the consumer's previous request and also demanded that we provide a deletion letter and update the credit bureau because the consumer had not heard from AMS. AMS received duplicate copies of the fax received on March 23, 2016 in the mail and again by fax on March 25, 2016. AMS has not and will not respond to either of the letters received by the consumer because of the cease and desist order issued by the consumer in the letter that was sent to AMS on November 18, 2015. AMS is more than willing to work with the consumer to resolve the balance and provide the consumer with validation of the consumer's debt as soon as we receive written confirmation that the cease and desist order issued to AMS by the consumer is reversed and that it is acceptable for AMS to contact the consumer. At this time, the consumer's "Desired Settlement" cannot be agreed to by AMS because the account in question is still valid and past due.