Affiliate Asset Solutions

We appreciate the opportunity to respond to the consumer's concerns.

We have provided the details concerning the service provider, the date of service, the original and current charges for the services, the current creditor, and have provided all required disclosures concerning the consumer's rights pertaining to this collection matter.

If the consumer has proof of payment for all or some of this amount to the provider, we would request that they forward same so we can research the matter and assure proper credit.

If the consumer believes that their insurance carrier either did not process this claim or processed the claim incorrectly, or did process and pay some or all of this claim, we will be happy to speak to their carrier upon their authorization. However, they should contact their carrier directly to determine which of any of those factors would apply.

As the consumer does acknowledge the underlying service was provided, and does believe that either they or a third party (their insurance) has paid this, we would greatly appreciate them providing proof of same so we can properly credit all payments to the account. At this time, we do not have record of any for this service.

We have requested the original billing and account history from our client, and we will forward to the consumer upon receipt.

We welcome the consumer to contact our corporate office directly at 844 507 9382 and ask for David Strout. I will be happy to assist them in this matter.

We have mailed a copy of the provider's billing statement to the consumer on July 9th, 2018, which provided the detailed service information (including the date of service, the provider, CPT code(s), etc. as requested.
Due to the protected nature of that Personal Health Information, we cannot publish that in this reply.
This account was placed with our office by the current creditor on May 29th, 2018 for collections. The balance has been verified as due and owing by the provider (original creditor.)
Generally speaking, most medical billing services do not report to credit bureaus. If the original billing group did not assign this account to a third party collection agency prior to selling the account to the current creditor, then there would be little likelihood of this being reported to any credit bureau. Further, if the original billing group did not assign this to a collection agency, we would expect that no additional communications were sent to the consumer past the initial six month billing cycle.

We understand that the consumer is upset because of the length of time between the service and our communication. However, we do not control that. The established, validated fact is that services were provided and remain unpaid. We suggest the consumer simply contact her previous bank to secure proof of payment, if the consumer believes that this amount was in fact previously paid to this provider. The passage of time itself is in no way evidence that this was paid. It may be evidence of an ineffective accounts receivable management system, but in no way alters the facts presented to the consumer.

We repeat our offer to the consumer to contact us directly if they would like to discuss repayment terms if they are unable to pay the balance at this time.

We appreciate the opportunity to respond to the consumer's concerns.

We have previously acknowledged the consumer's request for a reduction in this balance, and have provided our response.

We have provided the consumer with the details of the service as requested.

We have offered to review the claim with the consumer's insurance carrier upon his authorization and their inquiry.

We are willing to further discuss a reduction of the balance in order to resolve this in a timely fashion.

Should the consumer wish to discuss this matter further, please have him contact our corporate office directly at *** and ask for Mr.. I will be happy to assist them as I can.

We have marked this account for no further communication unless initiated by the consumer.

Thank you.

We don't know what more information we can provide to the consumer. This service was the result of an emergency room visit. We have provided all of the details for that service directly to the consumer, including the provider, date, procedure codes, and billed charges.
The consumer stated the desired outcome was an adjustment to the bill. We have offered that. We have offered to assist in rebilling any applicable insurance. We have offered to talk directly with the consumer to attempt to find additional resolutions.
This bill has been validated, the required information has been provided to the consumer, and it is the consumer's responsibility. Although our client has made an offer to settle the account for less than the due balance, we don't understand the consumer's apparent expectation that he shouldn't have to pay for treatment and services received.
We remain available to discuss this matter should the consumer wish to contact us.

Thank you for the opportunity. We had attempted to contact the consumer by phone prior to receiving this complaint. Upon receipt of this complaint and on March 28th we have sent by first class mail the information requested by the consumer.

Should the consumer need any additional assistance she is welcome to contact our VP of Operations, *** at XXX XXX XXXX.

Thank you for the opportunity to address this consumer's complaint and attempt to resolve the matter.
We regret that the consumer has been frustrated in her communication with our office.

Our records show only one oral communication with the consumer, on January 25th, 2018. At that time the consumer notified us to cease and desist communication with here, and we have abided by that request. However, our review of that recording, and our agent's response to the consumer's aggressiveness, was not up to our standards. Consequently, we have counseled with and reprimanded the agent in accordance with our Quality/Compliance and HR policies. We apologize to the consumer and renew our pledge to be the most patient centric and consumer centric receivables management organization in the world.

In response to the consumer's statement that they still do not know the nature of our efforts:

Correspondence was sent to the consumer at the address shown in the complaint, on December 13,2017. That correspondence specifically detailed the purpose of our communication.

Due to protected information contained therein, we cannot provide a copy to this site. However, if the consumer would like to contact our Executive Office at the toll free number provided or by email to***, or via our website at ***, and give us consent, we will gladly email a copy of the communication to her. If there is a different physical mailing address that she would prefer, we can direct a copy there as well.

Although we do show multiple attempts to contact the consumer prior to 1/25/2018, we don't see a prior attempt resulting in a confirmed contact, and expect this might be part of the consumer's frustration. In order to meet the requirements of all the applicable laws pertaining to our service, we do require several layers of identification prior to divulging personal information. We agree this can be difficult for the consumer receiving the call to process that we are communicating in this manner for their protection, not our gain.

Consequently, we do take exception with the consumer's categorization of our staff, our attitude, our intelligence and our compliance processes.

We hope that should the consumer wish to communicate directly with us, by any means (phone, email or website) she will find the information she requires and a more positive experience. However, as previously stated, we are honoring the consumer's request for no further communication unless the consumer initiates same.

Thank you again for the opportunity to respond.

Thank you for the opportunity to respond to the consumer's request.
We did provide the consumer with the details of the service provided for which we are attempting to collect a debt in the correspondence she acknowledges receiving.

Our correspondence correctly identifies Pendrick Capital Partners, LLC as the current creditor, states that Pendrick Capital Partners, LLC has purchased the referenced debt, and that Affiliate Asset Solutions, LLC is a debt collector attempting to collect a debt for Pendrick Capital Partners, LLC.

That same communication provided her with the name of the original service provider who sold the debt to PCP,LLC, and the date the service was provided. We provided our phone number, our address, and our website address for the consumer to notify us of any dispute or to make any request for additional information. To date, this complaint via the Revdex.com is the first response we have received.

The consumer should communicate with their insurance company as confirmation of the amount owed, as the billed amount is the balance due after the insurance carrier processed the original claim. She should have an explanation of benefits, or be able to readily obtain same, from her insurance carrier for the claim they processed for the provider shown in our correspondence on the date referenced.

If the consumer did not receive treatment from the identified provider on the identified date of service, and/or did not authorize her insurance company to process the claims from that service, or if there is a claim of identity fraud, we would ask that she contact us at our corporate office for our assistance in helping to direct her to the proper resources to investigate and prosecute any insurance or identify fraud.

If the consumer requires additional information regarding this matter, she may contact our corporate offices between the hours of 9 a.m. and 5 p.m. at 844 507 9382 and we will be glad to further assist her.

Thank you for the opportunity to respond to the consumer's concerns.

We did incorrectly process the payment authorized by the consumer. This error was a result of a verification procedure not being fully executed. We have modified our process accordingly to eliminate the potential for future error.

Upon the consumer notifying us of the error, we immediately initiated the charge reversal process. We understand that the consumer was frustrated that the members of our team that she was speaking to were not able to execute the charge reversal, but that is a restricted function within our process that allows us to fully review and properly execute those requests.

Our finance team reversed the payment the same day (November 10, 2017, the day after the initial transaction) the error was identified. There was no delay in acting on the consumer's request, and we received confirmation at that time that the charge had been reversed. Somewhere during this process it appears the consumer made this report.

We will never intentionally process an authorized payment for any date other than the authorized date. We routinely process some 500 payments a day without issue. We apologize for the error, and invite the consumer to visit our website at*** when she is ready to make the payment in question.

We will not contact the consumer again per her request. However, should she wish to speak to someone in our office, she may contact Mr.s, our VP of Operations, at *** or directly at ***.

We appreciate the opportunity to respond to the consumer's concerns.

Our records, our client's billing history, the consumer's previous interactions with the consumer, and our call recordings differ substantially from the narrative provided by the consumer.
Our records indicate that the information originally provided to the provider was billed and subsequently rejected as terminated coverage. That insurance information is different than the information the consumer provided to our representative. Our records further indicate that subsequent to that notification to the consumer from the provider that the consumer began to make payments on the account, but eventually discontinued those payments.
A review of the calls with our office find no evidence of anyone on our staff hanging up on anyone, the consumer or her representatives. While we are not a billing agency, we will gladly facilitate the billing of the claim provided we have confirmation from the carrier that coverage did exist for this service at the time of service. As the carrier originally identified at the time of service was billed, timely filing is not an issue in this case.

In order to provide the consumer with every courtesy in attempting to resolve this matter and to avoid any further delay, we invite her to contact our corporate office by calling *** anytime Monday through Friday, between the hours of 9 a.m. and 5 p.m. ET, and ask to speak to Mr. our Operations Manager, or Mr., our Vice President of Operations for further assistance.

We cannot provide the insurance details nor the name of the provider IN THIS FORUM as that is privileged information that may not be released in a post that may be publicly posted on the Revdex.com website.

The provider group name is listed on the correspondence we forwarded to the consumer, and that group is NOT the hospital or billed by the hospital.

If the consumer has contacted the provider listed on our letter, and she has been told that she has a zero balance, it is due to the fact that the balance has been written off to bad debt, thereby adjusting the balance in the providers CURRENT records as a zero balance. It does not mean the debt is paid, but that it has been "written off" of the active billing system.

We can provide the consumer with the specific details of the insurance information provided at the time of service, as well as the details of subsequent payments. As stated previously, the consumer may contact our executive office directly to reach either of the parties mentioned for assistance. If the consumer prefers, we can address the details in additional correspondence by USPS or email.

We are not a billing company. We do not bill insurance companies directly. To assist consumers, we will take the consumers insurance information, contact the carrier to confirm coverage, and if coverage exists direct a request back to the original provider to submit a clam to the carrier, which we have attempted to do in this case. Although the statements above may sound contradictory, they are not in fact a contradiction. We can facilitate the claim filing, but we do not generate the claim itself.

The most expeditious solution we can suggest, again, is for the consumer to contact our Vice President of Operations, Mr. Tim ***, at ***.

We regret the confusion, and apologize for any frustration we may have caused for the consumer. We wish to answer any and all questions regarding this matter, and to provide 100% transparency with regard to the obligation and its history.

We will appreciate the opportunity to meet that expectation, and invite the consumer to advise which method of communication she would prefer.

Thank you for the opportunity to respond to this consumer's concerns.
We apologize to the consumer. We have reviewed her interaction with our agent, and we understand that she did not like the outcome of the call, however, our agent was not rude or disrespectful in any manner. She (our agent) clearly explained to the consumer that the account had been established in the consumer's name as the responsible party for her child's emergency medical services at the time of service, and we can not arbitrarily change that.

If her expectation that this should be billed to the child's father is related to any custodial agreement dictated by the court system, we would recommend that she discuss that with the child's father and their attorney's as necessary.

Should the consumer wish for us to speak with the child's father, she need only provide us with that authorization and have the child's father call us. We will gladly work with him to resolve this matter on the consumer's behalf. She can also direct him to our website (www.affiliateas.com) where payment can be made to resolve matter as well.

We recommend that the consumer read fully the correspondence that she has received from our office. She is welcome to call our corporate office between the hours of 9 a.m. and 5 p.m. M-F, and a member of our Consumer Services team will be glad to assist if she prefers.

Thank you for the opportunity to respond to this consumer complaint.

Our records indicate that we have attempted to communicate with the consumer by mailing correspondence to her at the address she has listed in her complaint.
Our initial communication in early July of this year, identified the current creditor, original service provider, date of service, patient name, AND provided consumer disclosures as required by all applicable statutes. Those disclosures acknowledge consumers rights to dispute the validity of any debt and how to request supporting documentation. Our communication also provides several communication avenues for the consumer.

Our records do not reflect ANY communication from the consumer to our office, either by phone, email, website dispute portal, fax or mail, requesting same. We would appreciate the consumer's assistance in providing the specific date (time if applicable) and method she communicated with our office.

On September 6, 2017 we sent a letter to offer resolution of the debt for a lessor amount. Until receipt of this notification of a complaint, we have no record of confirmed communication with this consumer.

It is our practice to immediately respond to any notice of dispute, to any request for information, and to any request for validation or verification.

Upon receipt of this complaint, we have secured the specific information requested by the consumer: an itemized billing statement from the provider to include cpt and diagnostic codes for the service provided, and treatment and care authorization signed for by the consumer.

As these documents do contain protected information, they have been mailed to the consumer as of this date to the address on this complaint. If the consumer would like the information sent via email and will send us an email consent for same, we will expedite her receipt of same through electronic delivery.

We would appreciate information from the consumer regarding the time and method of communication so we might identify if and if so, how and where our process failed to produce the expected immediate response upon the consumer's contact with our office.

Our records do indicate that both the provider's billing service and their collection agency collectively sent at least 3 statements with details regarding the service, their billing efforts based on the information provided by the consumer at the time of service, and the results of those efforts. These communications were addressed to the same address as provided by the consumer in this complaint.

We understand that the complexities of multiple service providers billing at the same time for the same date of service can create confusion and it can be difficult to distinguish between the providers and their agents, and the notifications from insurance regarding same. We stand ready to answer any questions the consumer may have following her review of the requested information, and will assist her in any way that we can to bring this matter to resolution.

Affiliate Asset Solutions, LLC does not report consumer account information to any credit reporting service or bureau.

Thank you again for the opportunity to assist the consumer and respond to her concerns.

Sincerely,

Affiliate Asset Solutions, LLC

Thank you for the opportunity to respond to the consumer's concerns.
Upon the consumer's request, we did provide the information forwarded to us from the original service provider. We did not create the statement, and are limited in providing to the consumer what the original creditor provides in their documentation. We apologize for the format, but unfortunately cannot control the presentation of the provider's billing format.
Given the confusion experienced by the consumer as a result of this documentation, our client has requested that we close our file, and advise the consumer that the account has been closed. Further, we have refunded as of this date to the consumer's credit card account a payment of $100.00 previously received on the account.
Should the consumer require additional assistance, he is welcome to contact *** directly at ***.

Thank you for the opportunity to respond to the consumer's concerns.
Mr. references receiving one letter from Affiliate on behalf of the mentioned creditor. That communication also contained specific information about the services received, including the provider name and date of service.

As we have neither spoken with the consumer nor received a response to our letters, we do not understand his comments with regard to our practices or the debt in question.

Affiliate Asset Solutions, LLC is a U.S. company, registered as a Delaware corporation, and headquartered in Peachtree Corners, GA. All of our employees are located at our corporate headquarters. We do engage third parties to initiate calls on our behalf and to connect the properly identified consumers with our agents at our corporate headquarters.

We take extreme exception to the consumer's comments regarding our practices, as we aggressively audit all of our processes to ensure compliance not only with the FDCPA, but all applicable federal and state laws, and are dedicated to "best practices" in the delivery of our service.

We encourage the consumer to thoroughly read the correspondence sent to him, and to respond accordingly if he disputes receiving the service identified in our correspondence. He is most welcome to visit our website at *** or if he prefers, he is welcome to contact our corporate office at XXX XXX XXXX for further assistance.

Affiliate Asset Solutions, LLC is not a credit reporting company and does not provide any consumer information to any credit reporting bureau or service.

Thank you for the opportunity to respond to the consumer's concerns. We did attempt to contact the consumer to make him aware of an account that had been placed with our office for collection.

On August 2nd when we spoke with the consumer, he immediately advised our representative that he was in a bad reception area and would call back. In response to his question, our representative advised him that this was regarding a personal business matter.

On August 4th when we contacted the consumer after not hearing back from him. However, as he refused to confirm his address, we could not reasonably ascertain we had the correct party, and could not proceed with any disclosure of the nature of our business or the reason for our call.

Federal laws prohibit the discussion of or disclosure of a debt to a party other than the identified consumer, their attorney, or their designee.

At no time did we advise the consumer that we were calling regarding an "opportunity."

When the consumer contacted our office following our second interaction, he again refused to provide any identifying information other than his name, and demanded that we remove his number from our files.

We did remove the number from our files at that time. We did send correspondence to the consumer at the address we have on file detailing the purpose for our call. The address we have on file is the address the consumer provided in this complaint.

Should the consumer wish to discuss this matter further or require any additional information, we invite him to contact our executive office directly at*** and request to speak with our VP of Operations, Mr. ***.

Thank you for the opportunity to respond to the consumer's complaint.

Affiliate Asset Solutions, LLC is fully compliant with all federal and state regulations pertaining to the third party collection of debt. In our written communication to this consumer, we have identified the current and original creditor, the date of service, the amount due, our contact information, including our physical and internet address, phone number and hours of operation. We have also provided the consumer with notices regarding the consumer's right to dispute the debt, and the method for notifying us of any dispute.

Although the consumer has not denied receiving medical service on the date provided, and although she has not disputed the debt per se, we offer the following response to her comments.

Emergency Physicians Medical Group, does, in fact, exist. One of their physicians actually provided service to the consumer on the date of service provided in our letter to the consumer.

The consumer's insurance carrier processed the health care provider's billed claim, processed the claim, and satisfied all but the outstanding balance which we billed the consumer on behalf of the current creditor, Pendrick Capital Partners II, LLC. Her insurance company's processing of the original claim by itself should satisfy the consumer's concern regarding the validity of the physicians' practice.

Perhaps the confusion for the consumer is that the information contained in our communication includes the corporate name and the location of the facility where she was treated. We also believe that the consumer is misreading the acronym PC (Professional Corporation) as "PD" from her response above.

We suggest that the consumer contact her insurance carrier, or review her files, for a copy of the explanation of benefits provided when her insurance company processed the claim for this provider and date of service.

We cannot speak to the "complaints" that the consumer alleges that she found on the internet. We can state that Pendrick Captial Partners II, LLC is an established, reputable, compliant and well respected organization in the Accounts Receivable Management industry, and does not "sell information" to third party collection agencies.

On our website, (***) the first payment option presented to the consumer is an option to pay directly from a bank account. If a consumer does not wish to use that method of payment, they can click the tab for CREDIT CARD payments and pay by credit or debit card. The option is clearly and plainly marked. Further, our website provides multiple avenues for consumers to communicate any questions, concerns, or requests for information that they may have. Consumers may also pay over the phone or by mail. Phone numbers and addresses are provided on our website.

Should the consumer have any questions concerning this matter, she is welcome to contact our corporate office directly at

In response to the consumer's complaint, please note the following:
Affiliate Asset Solutions, LLC has attempted to communicate with the consumer by calling the consumer directly, and by sending written correspondence detailing the specifics of the charges we are attempting to collect on.

The debt results from medical care provided to the consumer. In accordance with Federal laws concerning debt collection, we have provided the consumer with the full details of our company to include our address, phone number, type of business, purpose of our call and our website both via telephone and written communication.

Our written communication includes the details of the service provided, specifically the provider, date of service and balance due. The written communication was sent to the consumer on May 12, 2017, to the address provided to the original care provider. We subsequently received a mail return from that address and an address correction to the same address as provided by the consumer in this complaint.

We have sent another letter with the required and requested details as of this date.

When speaking with a consumer by phone, we are required by HIIPA to ensure we have the correct party prior to releasing any protected health information. This requires that in addition to the consumers name and address that we verify either the date of birth, or the last four digits of the consumer's social security number. We only request this information in response to a specific request for detailed information regarding the service in question.

We apologize for any inconvenience this may have caused the consumer, and trust that the consumer understands this practice is to protect their information and is an accepted business practice in our industry.

If the consumer wishes to contact us directly, they may call our corporate office for *** at***.

We have removed the phone numbers for this account, and will not make any further attempts to contact the consumer by phone, unless subsequently authorized by the consumer.

We spoke with the consumer on February 17th of this year. At that time she stated that she had paid the bill and would provide proof of same. We sent her written correspondence at that time, as required by Federal Law. We documented her account as disputed, placed the account on a hold status, and awaited her information.
When no details were received, we attempted to contact the consumer 5 times between the last week of February and May 18th.

The consumer contacted our office on May 18th, again advised us that the account was disputed, and was again requested to provide the specifics so that we might research the missing payment. The account was again suspended awaiting the details of the payment in order to investigate the missing or misapplied payment.

Upon receipt of the details in this complaint, we have been able to successfully research the account history with the original creditor, identify and properly credit the referenced payment.

The account has now been properly credited, the balance is paid in full, and our records and our client's records have been closed.

We appreciate the opportunity to respond to the consumer's concerns, and we appreciate her feedback and suggestions.