Account Recovery Services

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
*** ***

A receipt will be going out to Mr*** in the next couple of days. We use an outside printing service to process and generate our notices. We have been a little behind generating the receipt notices. We are caught up now and going forward Mr*** should receive his
receipt notices in a timely manner when he remits payments to us. Any payments he has made have been applied to his account and the balance on his receipt will reflect the correct balance due. Thank You

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.?
Regards,
*** ***

While we cannot speak to any specifics, we can tell you that our overall office policy is not to perform credit deletions in exchange for payment of accounts.  It violates our agreements with the credit reporting agencies and (in our interpretation) would not be in compliance with the accurate...

reporting requirements of the federal laws.  Once any account is paid, we will accurately update it to reflect the paid status.  Please feel free to contact our office with any additional questions you may have.Sincerely, Kevin D[redacted]This communication is a response to a complaint and not an attempt to collect a debt.

A receipt will be going out to Mr. [redacted] in the next couple of days.  We use an outside printing service to process and generate our notices.  We have been a little behind generating the receipt notices.  We are caught up now and going forward Mr. [redacted] should receive his...

receipt notices in a timely manner when he remits payments to us.  Any payments he has made have been applied to his account and the balance on his receipt will reflect the correct balance due.  Thank You.

Business Requested Response to Not be Published.

Due to the public nature of this forum, we cannot comment on specifics or even acknowledge the existence of an account (if any) for consumers.  We appreciate the feedback and will research your concerns.   Thank you.

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.The company stated that I became defensive when in fact I never raised my voice or kept interrupting like the collection manager did to me. I simply realized that per the [redacted] the debt collector disclosure is to be given in every subsequent communication which they did not do. I did state that the mini [redacted] was given but that is not the disclosure I was talking about. I also requested to resolve the account on a different amount than stated. My resolution is to still pay the account because I know I still owe it however I also wanted a signed apology letter from the collection manager that was rude and unprofessional with me which was not provided. Also I felt that I needed to escalate this matter due to the [redacted] violation to the [redacted] and when the company responded they said the EXACT same thing. Nothing was different. They pretty much copied and pasted their response. This makes it seem that they do not take things seriously if they do not look further into the complaint if they received multiple for the same issue. I still want my signed apology letter from that collection manager and I am still wanting to settle the account just not with that male collection manager. 

Regards,

With respect to Mrs. [redacted] most recent complaint, we cannot accept full payment in exchange for deletion of the credit listing. As mentioned in the previous response, it is both company policy and contract that prevents us from deleting credit bureau entries in exchange for payment. Once the account is paid, we will of course update it to reflect the "paid" status. 

Thanks again for your time, 

President

To Whom It May Concern, 

We certainly understand the frustration involved with debt collection and unpaid accounts, and we take our responsibility to both our clients and customers very seriously. We are tasked with performing an unpopular, but necessary job. 

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With respect to Mrs. [redacted]'s account, we show it was medical in nature and originated on March 14, 2012. The original provider's attempts at payment were unsuccessful and it was assigned for collections on January 3rd, 2013. After two mailed notices and 11 unsuccessful phone attempts, we still had no success in securing payment either. 

The first response we show from Mrs. [redacted] was not until February 11, 2014 when she called to claim insurance was responsible. When we mentioned that this was indeed patient responsibility, she requested we send her the itemized statement detailing the charges. She also made the request that we communicate only in writing with her. To date, no further calls have been made by us. An itemized statement was requested from the provider and subsequently sent certified return receipt requested on February 17th, 2014. Our records indicate we received the signed receipt, acknowledging she received the paperwork she requested, back on February 21st. 

We didn't hear from her again until April 9th when she called in requesting to settle the account ($449 balance) for $135. When we advised that we were unable to settle for that low of an amount without a financial assistance application, she became defensive and then claimed we had not informed her we were a collection agency and were attempting to collect a debt (that is the "mini-[redacted]" she is referring to and something we do on every call and mailed statements). When our collection manager advised her that she did in fact know we were a collection agency attempting to collect a debt (clearly sated on all of the letters she received and conversations we had), she threatened to file complaints. 

In spite of the complaint, we are still sending the financial assistance application to her to complete and return. This information will be used to determine if the $449 represents a hardship and the reduced payment of $135 is acceptable to the original medical provider. On a side note, the $449 balance has no interest, late fees, penalties, or additional charges of any kind. All our client is asking for is the balance that was owed back in 2012. 

Please feel free to forward this response to Mrs. [redacted] as well. 

Thanks again for your time,

President

To Whom It May Concern, 

We certainly understand the frustration involved with debt collection and unpaid accounts. We also realize that medical clients in particular can be confusing as bills may be generated without ever seeing someone. 

Mrs. [redacted]...

account is in fact a medical account as she identifies. We do show a date of service listed as March 18th, 2010. Despite our client's best attempts, the account remained unpaid and they sent it to our office on June 11th, 2012. Our first mailed notice was generated that day. We called and spoke with Mrs. [redacted] on June 12th, 2012 where she claimed the original provider told her the account would not be in collections. After confirming the balance and our client's decision to place the account in collections, we called Mrs. [redacted] again on July 18th, 2012. She stated she needed payments of $25 per month, upon which we advised the client minimum of $50 per month. She stated she couldn't do that and said she would just mail the payments in. 

Mrs. [redacted] later phoned in on August 7th, 2012 and said that she wanted to setup the $50 payments. Our representative took the information to process the payment the next day at Mrs. [redacted] request (since they typically run around 4am). When the charge ran on the 8th, we received a denial code of "invalid card number". The charge automatically re-ran the following day and again denied as an incorrect card number. As this is usually just a typo or mis-read numbers, we tried to get in touch with Mrs. [redacted] regarding the credit card number. We show we spoke with her on September 17th, 2012 and confirmed the card information again. That payment declined as well but with a "declined, do not honor card" code this time (please see the attached printout from our payment processor). 

We called on 9/27/12 and again on 10/9/12. Additionally, we sent a notice to Mrs. [redacted] on 10/9/12. We show she called in on 10/22 and left a message for a return call but the return call later that day from us went unanswered. We tried calling her again on 10/30/12. Unfortunately, Federal law is not very clear on the use of messages for debt collectors so we have opted to be more conservative and do not leave any messages on voicemail or answering devices. 

We show no communication from her during 2013 as her complaint mentions but in reviewing the similarity or our dates and times, it appears that she just accidentally typed 2013 instead of 2012 in the complaint. 

At this point, we still show the $300 balance owing. On a side note, we have not added any late fees, interest or penalties. All our client is asking is that the original balance be paid. 

It is both company policy and contract that prevents us from deleting credit bureau entries in exchange for payment. Once the account is paid, we will of course update it to reflect the "paid" status. 

Thanks again for your time, 

[redacted] 

President

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.Good afternoon,

Considering that I had repeatedly attempted to pay this debt in good faith, even calling their company when I had noticed that the payment agreed upon was not automatically deducted, it is only fair that ARS should remove this instance from my credit report, once it is paid. Although I had previously requested a renumeration credit of $100 for my time and aggravation, I am willing to pay the full amount. The mission of a business should be fair and just dealings with the customer. Dispute resolution is supposed to be a 2-sided negotiation process, with both parties agreeing to work towards a mutually beneficial goal. The goal of ARS is to receive payment. As the client, I had previously set up payments on multiple occassions, and was unaware of any transaction processing errors. Immediately upon discovering the issue, I have again worked diligently to resolve the matter. All I ask is that ARS remove the instance from my credit report in consideration of the good faith and earnest efforts on my part to pay this bill. None of us will ever know what caused the transaction processing errors, but considering that I provided statements and verified the card data, I ask that ARS resolve this matter in a manner that is fair and reasonable to both parties. Again, the goal of ARS was to collect a debt, my goal has been to pay the debt. Can we agree to this resolution and move forward in a way that satisfies both goals? Regards,

Thank you for forwarding the information on this individual's complaint.  We received it yesterday on January 21st.We certainly understand the frustration involved with debt collection and unpaid accounts.  With this particular client, their policy is to bill the insurance policy...

holder as a contractual obligation (since they have listed the children as dependents) and the patient (in the case where the patient is of the age of majority).  They are not fraudulently double billing as the customer claims, but simply asking all of those responsible to pay.In light of the confusion, we would be willing to do a credit deletion for [redacted] (the patient's mother) once the account has been paid.  Please understand that this goes against our standard practices but given the circumstance on the account, we feel it can be justified. Hopefully this helps explain the circumstances and allows for a solution both our client and the [redacted] would appreciate.  Please feel free to forward this response to [redacted] as well.Thanks again for your time,[redacted]President

Review: My eldest daughter who had insurance through my wifes employment was of legal age to be responsible for medical charges she incurred. She became pregnant and received testing that she agreed to and signed resonsiblity for. However, my wife has received a collection notice stating that it is her responsibilty to make the payment. The representative for Account Recovery Services Inc. gave false information regarding the policy of our insurance provider and boldly stated that it was there policy to make the holder of the insurance policy liable. My wife called the insurance company and was advised that this has never been a policy of theirs. Upon calling the same rep back at Acount

Recovery Services... he stated again that it was the policy and argued that my wife had been given the wrong information. My wife attempted through Account Recovery Services to clear this from her credit report and has been denied. Again, my wife was not at the Doctors office with my daughter and never signed responsibility... My daughter (Who was a legal ADULT at the time) signed for the responsibilty. The representative at Account Recovery Services has been unwilling to assist in this matter and my wife was told she has no recourse but to speak directly with him. If I find away to pursue this as fraudulent, I will. My daughter also has this reflected on her credit report... Which is where it should be.Desired Settlement: I want the entire amount removed from my wifes credit report. It is already reflected on my daughters and should remain her responsibility. Attempting to collect one charge from two different individuals is fraud.

Business

Response:

Thank you for forwarding the information on this individual's complaint. We received it yesterday on January 21st.We certainly understand the frustration involved with debt collection and unpaid accounts. With this particular client, their policy is to bill the insurance policy holder as a contractual obligation (since they have listed the children as dependents) and the patient (in the case where the patient is of the age of majority). They are not fraudulently double billing as the customer claims, but simply asking all of those responsible to pay.In light of the confusion, we would be willing to do a credit deletion for [redacted] (the patient's mother) once the account has been paid. Please understand that this goes against our standard practices but given the circumstance on the account, we feel it can be justified. Hopefully this helps explain the circumstances and allows for a solution both our client and the [redacted] would appreciate. Please feel free to forward this response to [redacted] as well.Thanks again for your time,[redacted]President

Review: I called in to try to settle the account. The collection manager, I did not know that he was the manager at the beginning because he did not tell me, told me he was going to send me some paperwork to fill out. After he told me this, I realized he did not give me the required per the [redacted] in section 809 the debt collector disclosure where he states he is a debt collector, he only gave me the mini [redacted]. That is when he started to get defensive and kept interrupting me when I was trying to say something and was unprofessional to the point where he was raising his voice and almost yelling at me. When I asked for a supervisor, that is when he told me that he was the collection manager. I asked to speak with somebody who is higher than him and he denied me that stating there is no one else in the building higher than him because he was manager for that building. He told me that if I wanted to file a complaint that I needed to put it in writing and send it to their address and to put it to [redacted]'s attention who is the owner of the company. I told him that per the [redacted] he is to give me this debt collector disclosure in every communication. He stated that no it is not required that the company's attorneys went over the [redacted] with the [redacted] and that they told them they did not have to give this disclosure. I was also not made aware if the call was being recorded if in fact it was, which I figure it was because they are a third party collection agency. So not only did he not give me a FEDERAL required disclosure but he did not inform me if the call was being recorded or not. I kept requesting to speak with someone else and he kept denying me and so I kept asking why I could not speak with someone else besides him and that is when he stated that he was the only one I could talk about my account about. I was trying to ask, because he kept interrupting me and saying If I did not have any other questions about my account he would end the call, to explain why I could not talk to anyone else. I wanted to know if maybe there was a restriction put on my account in their system and that is why I could only talk to him. But he would not answer me and kept reiterating If I did not have any other questions about my account he would end the call and then he ended the call when I was in mid sentence asking him to please just explain why I could not speak with any other representative but him. I called the company back to ask to see if maybe they had a compliance dept or a customer service dept where I could file a complaint against him but the representative that answered my call, April, stated that no I would have to write it and send it to them in the mail to their owner's attention [redacted]. The rep April also did not give me the debt collector disclosure only mini [redacted].Desired Settlement: I would like for this collection manager to write a letter with his apology and have him sign it and mail it to my home address. I would also like for this "collection manager" to get corrective/disciplinary action regarding his behavior towards me, the consumer, and corrective action regarding his [redacted] violation. Because if I truly was a bad person I would also sue him and the company for this violation that is required when in fact it is since it is FEDERAL LAW. I still would like to settle the account but I do not want to speak with him. I still want my cease and desist request to stay in tact as I only want communication through the mail no calls, not even if it is not him.

Business

Response:

To Whom It May Concern,

We certainly understand the frustration involved with debt collection and unpaid accounts, and we take our responsibility to both our clients and customers very seriously. We are tasked with performing an unpopular, but necessary job.

With respect to Mrs. [redacted]'s account, we show it was medical in nature and originated on March 14, 2012. The original provider's attempts at payment were unsuccessful and it was assigned for collections on January 3rd, 2013. After two mailed notices and 11 unsuccessful phone attempts, we still had no success in securing payment either.

The first response we show from Mrs. [redacted] was not until February 11, 2014 when she called to claim insurance was responsible. When we mentioned that this was indeed patient responsibility, she requested we send her the itemized statement detailing the charges. She also made the request that we communicate only in writing with her. To date, no further calls have been made by us. An itemized statement was requested from the provider and subsequently sent certified return receipt requested on February 17th, 2014. Our records indicate we received the signed receipt, acknowledging she received the paperwork she requested, back on February 21st.

We didn't hear from her again until April 9th when she called in requesting to settle the account ($449 balance) for $135. When we advised that we were unable to settle for that low of an amount without a financial assistance application, she became defensive and then claimed we had not informed her we were a collection agency and were attempting to collect a debt (that is the "mini-[redacted]" she is referring to and something we do on every call and mailed statements). When our collection manager advised her that she did in fact know we were a collection agency attempting to collect a debt (clearly sated on all of the letters she received and conversations we had), she threatened to file complaints.

In spite of the complaint, we are still sending the financial assistance application to her to complete and return. This information will be used to determine if the $449 represents a hardship and the reduced payment of $135 is acceptable to the original medical provider. On a side note, the $449 balance has no interest, late fees, penalties, or additional charges of any kind. All our client is asking for is the balance that was owed back in 2012.

Please feel free to forward this response to Mrs. [redacted] as well.

Thanks again for your time,

President

Consumer

Response:

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.

The company stated that I became defensive when in fact I never raised my voice or kept interrupting like the collection manager did to me. I simply realized that per the [redacted] the debt collector disclosure is to be given in every subsequent communication which they did not do. I did state that the mini [redacted] was given but that is not the disclosure I was talking about. I also requested to resolve the account on a different amount than stated. My resolution is to still pay the account because I know I still owe it however I also wanted a signed apology letter from the collection manager that was rude and unprofessional with me which was not provided. Also I felt that I needed to escalate this matter due to the [redacted] violation to the [redacted] and when the company responded they said the EXACT same thing. Nothing was different. They pretty much copied and pasted their response. This makes it seem that they do not take things seriously if they do not look further into the complaint if they received multiple for the same issue. I still want my signed apology letter from that collection manager and I am still wanting to settle the account just not with that male collection manager.

Regards,

This company is extremely predatory and in my personal experience does that comply with Fair Debt Collection Practices act! http://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fa...⇄ /> They insisted on trying to collect 9yr old debt that wasn't mine. Would not give me the contact info of the company and said I could only pay them. All of this is wrong. Threatened if I didn't pay all the disbuted debt they would put the 47.00 on my credit. Just to push me in paying debt that was not validated. When I said I was going to file a complaint Mr.[redacted] said he would no longer speak to me or take my phone calls.

I received a phone call from the Account Recovery Services, Inc this morning. The person who called was very rude, unpolite and very unprofessional. Their name is April Shop. This person, who seems has no respect for others and no manners, feels like she is a boss and can speak to people in a very ugly manner. I asked to speak to the manager and the manager was very rude as well! He did not bother to listen or try to understand anything. This is not a company - this is a ZOO. I suggest that providers who use the service of this company to think twice if you care about your business reputation. This Account Recovery Services company sounds and operates like a fraud.

ARS contacted me after my bill was paid with Chandler Anesthesia! I had to wait for my ins. check to pay my bill- which took 12 weeks to arrive. When first ARS called, in June, I told them the bill was paid- not worried about a bad credit rating as I assumed it was an oversight on Chandler's side; however, ARS called again... One month later?!?!?! When I asked why the clearly lazy & unreliable rep responded with, "Oh, uh, huh... Yeah..." He hadn't checked on the bill or called Chandler & closed the account?!?!?! After a certain time this shows on a credit report! I have called this company 3 times to ensure they fix any damages to my credit- in fact I deserve & demand they fix my credit due to lazy, incompetent, & unreliable reps! The fact that this company does not return calls & destroy credit of decent, hard-working people who actually DO pay bills is inexcusable & should be grounds for complete closure! This company has no moral compass & is employed by integrity-lacking sm. I want to be assured my credit is fixed, fine & that this company NEVER harasses me again!!!

Review: I was contacted by ARS and after confirming the validity of the debt with the service provider (I had previously paid [redacted] and not realized that I had a separate medical bill from [redacted]), I made arrangements at 11:40 a.m. on 07/18/13 for monthly payments of $50/month to pay the balance due of $300.

I noticed in August that the payment had not been deducted from my Health Savings Account and spoke with ARS again at 10:40 a.m. on 08/07/13. At that time, I re-confirmed my address, credit card number and the payment plan of $50 on the 7th of each month for 6 months.

Yet again, I noticed that no payment had been deducted, and so I left a detailed message RE-confirming my information at 3:28 p.m. on 09/14/2013. I logically assumed after MULTIPLE attempts on my part to pay this debt that ARS would resolve the matter. At that time I was again attending college half-time while working full-time and I did not triple-check that ARS had performed their job properly. Quite honestly, I had gone above and beyond my responsibility to correct the ongoing error of ARS. Shortly thereafter, I moved and NEVER HEARD FROM ARS AGAIN.

Until, while routinely checking my credit report last week I discovered that ARS had reported the balance of $300 as unpaid to [redacted]!!!! Being quite upset I checked my records and called ARS. I left a voice message at 5:52 p.m. on 04/08/2014. I then left another voice message at 3:33 p.m. on 04/11/2014.

This morning (04/14/14) the "office manager" for ARS called me and was extremely offensive. He repeatedly stated that my card had been declined and that it was my fault, insinuating that I had either provided a false card number or did not have the funds in the account to pay the debt. This was grossly inaccurate and slanderous, so I explained that the card is a Health Savings Account and that they must have entered the wrong credit card information. I asked for details and verification of what dates they attempted to charge my card and the card number, but was told they do not have that information. I asked why they would not have contacted me since it was blatantly obvious that I had tried SEVERAL times to pay this debt. I was told that they called twice. I asked if they ever spoke with me or left a voice message for me and he acknowledged that they never spoke with me nor left a voice message. He stated that they mailed me a letter, but I never received any such letter, although I did have my mail forwarded with the [redacted].

It is highly insulting that the response of ARS was to accuse me of falsifying my credit card information or otherwise reneging upon the payment plan, instead of recognizing their error and working with me to correct the problem.Desired Settlement: When I spoke with ARS this morning, I stated that I would happily pay the full $300 amount that I tried numerous time to pay last year, and requested that they remove the collection report on my credit. ARS continued to state that this was 'my fault', even though I have records of my extensive attempts to pay ARS, and they would not remove the report from my credit. This is absolutely unacceptable. Had I ignored ARS or provided inaccurate information then I would not request that they remove the collections report. However, the simple truth is that I have spent hours of my time now trying to help ARS perform their job accurately. I have gone above and beyond typical efforts, and in return have been insulted and slandered. Although it is certainly not required, I have assembled my monthly statements for the Health Savings Account to prove that the balance was NEVER below the monthy payment amount and therefore, the card could not have been declined except through repeated data-entry error on the part of ARS. When I requested similar documentation from ARS, such as card information and proof that they even attempted to charge my card, I was told it is unavailable.

At this point, my request is simple:

ARS will remove the collection report on my credit.

ARS will credit me 1/3 of the amount due as recompense for the hours and aggravation I have wasted trying to pay this bill

I will pay the $200 balance immediately once the above terms are agreed to.

Thank you

Business

Response:

To Whom It May Concern,

We certainly understand the frustration involved with debt collection and unpaid accounts. We also realize that medical clients in particular can be confusing as bills may be generated without ever seeing someone.

Mrs. [redacted] account is in fact a medical account as she identifies. We do show a date of service listed as March 18th, 2010. Despite our client's best attempts, the account remained unpaid and they sent it to our office on June 11th, 2012. Our first mailed notice was generated that day. We called and spoke with Mrs. [redacted] on June 12th, 2012 where she claimed the original provider told her the account would not be in collections. After confirming the balance and our client's decision to place the account in collections, we called Mrs. [redacted] again on July 18th, 2012. She stated she needed payments of $25 per month, upon which we advised the client minimum of $50 per month. She stated she couldn't do that and said she would just mail the payments in.

Mrs. [redacted] later phoned in on August 7th, 2012 and said that she wanted to setup the $50 payments. Our representative took the information to process the payment the next day at Mrs. [redacted] request (since they typically run around 4am). When the charge ran on the 8th, we received a denial code of "invalid card number". The charge automatically re-ran the following day and again denied as an incorrect card number. As this is usually just a typo or mis-read numbers, we tried to get in touch with Mrs. [redacted] regarding the credit card number. We show we spoke with her on September 17th, 2012 and confirmed the card information again. That payment declined as well but with a "declined, do not honor card" code this time (please see the attached printout from our payment processor).

We called on 9/27/12 and again on 10/9/12. Additionally, we sent a notice to Mrs. [redacted] on 10/9/12. We show she called in on 10/22 and left a message for a return call but the return call later that day from us went unanswered. We tried calling her again on 10/30/12. Unfortunately, Federal law is not very clear on the use of messages for debt collectors so we have opted to be more conservative and do not leave any messages on voicemail or answering devices.

We show no communication from her during 2013 as her complaint mentions but in reviewing the similarity or our dates and times, it appears that she just accidentally typed 2013 instead of 2012 in the complaint.

At this point, we still show the $300 balance owing. On a side note, we have not added any late fees, interest or penalties. All our client is asking is that the original balance be paid.

It is both company policy and contract that prevents us from deleting credit bureau entries in exchange for payment. Once the account is paid, we will of course update it to reflect the "paid" status.

Thanks again for your time,

President

Consumer

Response:

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.

Good afternoon,

Considering that I had repeatedly attempted to pay this debt in good faith, even calling their company when I had noticed that the payment agreed upon was not automatically deducted, it is only fair that ARS should remove this instance from my credit report, once it is paid. Although I had previously requested a renumeration credit of $100 for my time and aggravation, I am willing to pay the full amount. The mission of a business should be fair and just dealings with the customer. Dispute resolution is supposed to be a 2-sided negotiation process, with both parties agreeing to work towards a mutually beneficial goal. The goal of ARS is to receive payment. As the client, I had previously set up payments on multiple occassions, and was unaware of any transaction processing errors. Immediately upon discovering the issue, I have again worked diligently to resolve the matter. All I ask is that ARS remove the instance from my credit report in consideration of the good faith and earnest efforts on my part to pay this bill. None of us will ever know what caused the transaction processing errors, but considering that I provided statements and verified the card data, I ask that ARS resolve this matter in a manner that is fair and reasonable to both parties. Again, the goal of ARS was to collect a debt, my goal has been to pay the debt. Can we agree to this resolution and move forward in a way that satisfies both goals?

Regards,

Business

Response:

With respect to Mrs. [redacted] most recent complaint, we cannot accept full payment in exchange for deletion of the credit listing. As mentioned in the previous response, it is both company policy and contract that prevents us from deleting credit bureau entries in exchange for payment. Once the account is paid, we will of course update it to reflect the "paid" status.

Thanks again for your time,

President