Advantage Financial Services LLC

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.Regards, [redacted] Items stated are inaccurateDo you have voice recordings via phone so Revdex.com can he your accusations are incorrectThis complaint was not to the daycare it was to the collection agencyMy complaint was I was politely asking why they trusted their client whom did not want to be in contact with us to work out an agreement of whom I sent in email to the owner of the daycare to prove we were not at faultI wanted to know how a company can choose one side and not another if they other side has proofYes I paid as I wanted this off my credit reportAs soon as I paid I asked the employee for further information and the employee's comment was, "I am not here to help you find out how to start a collection agency so you need to find out this info from someone else and hung upThis is disrespectful as I just paid the company in hopes I could receive some help in the matterYes, I would not tolerate my employee taking someones money and runI would train my employees on how to resolve and if they could not resolve to politely say I cannot answer these questions, you are welcome to speak with my supervisorThis company lacks customer service and should not be in the service of customer service if they cannot provide it Thank you, [redacted]

Thank you for your help in resolving the issue with [redacted] ***Agent Candy Soens-Francetic presented the concern to our home office on December 3rd as the processing a refund was an internal underwriting issue and out of the control of the agent’s office.The good news is the issue has been resolvedMs [redacted] has received her refundShould you have any questions, please let us know.Response sent to [redacted] ***:

Re: Complaint*** *** Account # *** Dear Sir, First let me make it clear that neither Mr*** *** nor his wife *** *** are a client of Advantage Financial Services but are debtors who owe money to our clientsMr*** did not try for months to work with us on the accounts where
his wife is the patientIn fact when Mr*** came into our office it was to make payment for a dismissal on a suit against him for accounts in his name onlyHe had never talked to us about the accounts that were for his wife's medical billsHis wife accompanied him but when asked he stated she was just a friendI did let him know that he is legally responsible for the medical bills for his wife that were incurred during their marriage under the Idaho doctrine of necessities and that if he failed to make a payment arrangement on the account he could be sued for thoseHe informed me that he was just going to let his wife deal with those accountsI did not yell at him but did firmly tell him that he had been warned that he would be held responsible for the accounts incurred during their marriageHe was not treated badly but he was not happy that he was informed that he is legally responsible for the bills and that we were not going to just go after his wife for themHe stated his wife if very difficult to deal with and he doesn't want to deal with her but admitted that they are currently still married and are not even separated at this timeThe next clay his wife ***, telephoned us and admitted that she was the person with him when he came to the office she stated that they were not married during the time that all of the accounts were incurred just for of the accounts and that she would send in a copy of the marriage certificateMrs*** was yelling and abusive while on the phoneIn conclusion, there was no threat to Mr***, he was not treated unfairly or bad in any way, and he is not being charged for anything that he is not responsible forIn fact he did make a payment agreement with this office for the medical bills incurred by his wife during their marriage and he is on good terms with this office as of this dateHis wife, ***, on the other hand is not on good terms

This is not a customer of ours but is a debtorThe amount quoted to him to take care of the account was misquoted but I received an email from him on 7-25-which outlines his complaint pretty much the same as what he stated to the Revdex.comI reviewed his account and wrote off the remaining amount as
it was our errorI mailed him a letter that this was done on 7-25-and informed him that the account is paid in full and that the judgment is being satisfied and the lien is being released The complaint has been taken care of and the issue is resolved

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
However, if it wasn't for the fact that I filed this complaint, I highly doubt anything would have been done about this, considering the office manager made no attempt to contact meNow if you threaten a business' rating with Revdex.com, however, they'll jump through any hoops neededI really appreciate the power that the Revdex.com has, but I wish that businesses would act ethically of their own accord without needing these tools to keep them honestThank you!
Sincerely,
*** ***

Thank you for your help in resolving the issue with [redacted]. Agent Candy Soens-Francetic presented the concern to our home office on December 3rd as the processing a refund was an internal underwriting issue and out of the control of the agent’s office.The good news is the issue has been...

resolved. Ms. [redacted] has received her refund. Should you have any questions, please let us know.Response sent to [redacted]:

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], 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.]
Regards,
[redacted]

In response to your letter dated November 6, 2015. Advantage Financial Services LLC never received a phone call or letter from you prior to your November 6, 2015 letter. 
The account Mr. [redacted] is referring to was assigned to this office for collection on 3-16-2015. The first time we...

talked to Mr. [redacted] was on 3-23-15, we called him and he stated he would have to call us back and that he had our phone number. We did not receive any call from either Mr. or Mrs. [redacted] until 5-22-15. 
We did not hear from the [redacted] again until 10-26-15 when Mrs. [redacted] called our office and started claiming that our client were frauds and she is going to the newspaper and everyone else. She stated that she had tried to speak to our client for 6 months, that our client had their child beat up her child and that they don't have the money to pay this and then she hung up. She then called back and spoke to me personally and claimed that she had been trying to work this out with our client for 6 months and that our client had another child bite her child and that is why she took her child out of daycare. When I asked her when this happened and when she took her child out of daycare she stated it happened in December 2014. I informed her that these charges are only for dates of service through 8-11-14. I offered to send her the itemized statement showing her what the charges were for and that they are only for dates of service through 8-11-14. She ignored my offer and stated that our client is an illegal business and that she could have put them our of business to Health and Welfare. 
Mr. [redacted] then called us back on that same day, 10/26/2015, and paid the account in full but started to question my employee as t why we trusted our client and not him and started to ask questions about how we run our company. My employee was not comfortable with his questions and told him it was not her job to tell him how a collection agency is run he got upset with her when she eventually told him it was not really his business why we trust our client or how we run our business and ended the call. He then called back and spoke with our collections manager. He told the collection manager he felt it was inappropriate that we just take their money and we don't' care and that he has his own business and he would not do that. He was informed that our collectors do not have to answer questions about how our business is run and that if they are uncomfortable with the conversation they have a right to end it. Mr. [redacted] then claimed that he had been talking to and keeping in touch with our client but then said that he never got a response from our client and now he was on their credit and they were forced to pay it. The collection manager informed him that nobody forced him to pay the account and that he is the one that called our office to pay it. He said that didn't answer his questions. The itemized statements showing what the charges are for and that he had offered to send that to his wife but she had ignored our offer. She also informed him that neither he nor his wife ever disputed the bill and that we had talked ot him back in march and that he never disputed the bill. He admitted that had to disputed the bill but claimed he had never been informed he could dispute the bill. 
In short, Mr. [redacted] is upset this account is on his credit. He was given opportunities to take care of the account before it was assigned to this office and even after it was assigned, if the account had been paid within the first 30 days it was in our office it would not have been reported to his credit. It was Mr. [redacted] choice not to pay the account until 10-26-15. He engaged my employee in a line of questioning that she was uncomfortable with and she had every right to end the call with him.

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.Regards,[redacted] Items stated are inaccurate. Do you have voice recordings via phone so Revdex.com can he your accusations are incorrect. This complaint was not to the daycare it was to the collection agency. My complaint was I was politely asking why they trusted their client whom did not want to be in contact with us to work out an agreement of whom I sent in email to the owner of the daycare to prove we were not at fault. I wanted to know how a company can choose one side and not another if they other side has proof. Yes I paid as I wanted this off my credit report. As soon as I paid I asked the employee for further information and the employee's comment was, "I am not here to help you find out how to start a collection agency so you need to find out this info from someone else and hung up. This is disrespectful as I just paid the company in hopes I could receive some help in the matter. Yes, I would not tolerate my employee taking someones money and run. I would train my employees on how to resolve and if they could not resolve to politely say I cannot answer these questions, you  are welcome to speak with my supervisor. This company lacks customer service and should not be in the service of customer service if they cannot provide it. 
Thank you,
[redacted].

On 6-5-17 Debbie from our office contacted [redacted] about 2 unpaid debts that had been assigned to us for collection. Details of the accounts cannot be disclosed due to HIPPA, FDCPA and other regulation. Debbie identified herself as being from Advantage Financial Services and calling about...

unpaid debts. At no time did Debbie state that she worked for anyone other than Advantage Financial Services.  After giving Mr. [redacted] information on the unpaid debts Mr. [redacted] stated that he wanted to take care of the bills right then and provided his card information. The card was run and Mr. [redacted] was given his authorization code as proof of payment. 30 minutes later Mrs. [redacted] left a voicemail for us that if we ran the card she would sue us for fraud as the bill was covered by Medicaiid and requested a call back. While I was reviewing the account in order to call her back she called again. This time she stated the accounts were covered under her bankruptcy but could not give me the filing date of the bankruptcy so that I could determine if the accounts would have been included. Mrs. [redacted] insisted that I refund the payment even after I informed her that we are not required to refund voluntary payments. She then tried to claim that Mr. [redacted] was not responsible for the bills and I informed her that he is responsible under Idaho's Doctrine of Necesseties as they were married and he is the parent of the patient. She continued to argue and insist that I refund the voluntary payment so I informed her I was ending the call and to have a nice day. I then terminated the call. After ending the call with Mrs. [redacted] I telephoned the bankruptcy court and verified her bankruptcy information and that there were assets reported. Under bankruptcy law if there are assets reported all creditors must be informed of the bankruptcy so that they have an opportunity to file a proof of claim. Neither this office nor our clients (the original creditors) were notified of the bankruptcy. If Mrs. [redacted] can provide proof that either this office or the original creditors were notified of the bankruptcy as required by the bankruptcy statutes so that we could have filed a proof of claim, we will be happy to refund the voluntary payment.

This office cannot provide you with any information regarding this matter due to several privacy laws and other federal laws.However, I can share with you that the matter was resolved with Ms. [redacted] to her satisfaction on 5-3-17.Sincerely, Carma