All Creatures' Inn Inc.

*** has conducted a complete investigation and cannot find any references in our systems for Mr*** at the address and phone number listed. That doesn't mean that there isn't a file, it means that with that limited information, we cannot locate anything. If he could provide us
with a file number or reference number, perhaps we could address his concerns more fully. We look forward to getting additional information so we can resolve Mr***'s complaint

[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 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,
*** ***

In response to the Revdex.com complaint submitted on September 7, by Ms*** *** (“Ms ***”), with an assigned Revdex.com ID of ***, Equian, LLC responds as follows:
1. After review of Ms ***’s complaint, Equian is glad
to have the opportunity to explain who we are and why we have contacted herEquian apologizes if Ms *** misunderstood Equian’s role and potentially misinterpreted the att***ts to obtain additional information. The inquiries made were on behalf and at the direction of *** *** ***
2. Equian, LLC (“Equian”) is a duly organized limited liability company under the laws of the state of Indiana and is validly authorized to do business in virtually every state, including North Carolina. Equian is an insurance subrogation firm providing services on behalf of a number of the nation’s largest health/disability plans and the largest providers of emergency medical services. Equian is a Revdex.com Accredited Business with an A+ rating.
3. Equian is not a “fake” company, or a fraud or scam. And, the requests are NOT a violation of HIPAA. Through its contractual relationship, Equian is a “Business Associate” of *** (who is a “Covered Entity”) under HIPAA. Everything being done by *** and Equian is in full compliance with all applicable federal and state laws, including HIPAA
4. In this case, Equian’s client is *** *** *** *** (“***”) who owns and operates *** of Mecklenburg County. *** has a contractual arrangement with Equian whereby *** asks Equian to perform certain subrogation investigation services on their behalf. While Equian is NOT a provider of services, it is acting as an agent providing *** with investigative services
5. In this case, it appears that Ms *** (or someone on her behalf) responded and provided the necessary information. As a result, the file has been closed and no further contact by Equian should be necessary on this matter

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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 states they have no reference to my phone number and requested a case number The case number that they keep quoting to me is in reference to a *** *** case number CA *** the callers name was *** ***
Regards,
*** ***

We've conducted a complete investigation and cannot find any references in our systems for Mr*** at the address and phone number listed. If he could provide us with a file number or reference number, perhaps we could address his concerns

*** ** *** *** *** *** *** *** ** *** ** *** *** *** *** *** ** *** with an assigned ID of ***, Trover Solutions, Incresponds as follows: Trover Solutions, Inc(“Trover”) is an insurance subrogation firm providing services on behalf of a
number of the nation’s largest health/disability plansTrover is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in all fifty states, including OklahomaIn this case, Trover’s client is *** (“***”), Mr***’s health insurance carrierAs specifically allowed in ***’s insurance contracts with its insureds, *** is subcontracts its rights to pursue the investigation of potential subrogation claimsIn this case, Trover is acting as an agent providing *** with investigative servicesThe information sought by Trover is information that it is entitled to request from the insured and the insured is obligated to cooperate pursuant to the terms of their insurance policyTrover is not a bogus company or a fraud or scamIn fact, Trover is an accredited Revdex.com memberTrover apologizes if the member misunderstood Trover’s role and didn’t understand that we are contacting him ON BEHALF of his insurance company to seek basic information that his insurance company is entitled to requestWhile *** (and Trover) knows that medical services were provided, no information is known as to the cause of the condition necessitating the medical care or whether there might be a third party liable for paymentThe information requested by Trover from Mr*** in the letters sent is supplemental to the information that has already been filed with the original claim for coverageAfter receiving and processing data files of paid claims provided by insurance companies (like ***), Trover analyzes those files to identify claims with potential subrogation rightsTrover’s process involves sending letters to members in order to facilitate the exchange of information between the member and Trover customer service to verify details related to the medical claims paid and processed through insuranceTrover’s services allow health insurance companies to be reimbursed by responsible parties for claims paid on injuries that are the responsibility of third partiesThese recoveries act to reduce insurance premiums

In response to the Revdex.com complaint submitted on 10/26/by *** *** (“Ms***”), with an assigned ID of ***, Trover Solutions, Incresponds as follows: 1. Trover Solutions, Inc(“Trover”) is an insurance subrogation firm providing services on behalf
of a number of the nation’s largest health/disability plans.2. Trover is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in all fifty states, including Delaware3. Trover Solutions is a Revdex.com Accredited Business with an A+ rating.4. In this case, Trover’s client is ***5. After review of Ms***’s complaint and statements, Trover is glad to have the opportunity to explain who we are and why we contacted her. Trover apologizes if Ms*** misunderstood Trover’s role and potentially misinterpreted the attempts to obtain additional informationTrover acts as an agent of *** to provide investigative services designed to determine if *** has a subrogation right. Trover is expressly allowed by contract with *** to pursue potential subrogation claims.7. Through that contractual relationship, Trover is a “Business Associate” of *** (who is a “Covered Entity”) under HIPAA. Everything being done by *** and Trover is in full compliance with all applicable federal and state laws, including HIPAA.8. After receiving and processing data files of paid claims provided by ***, Trover analyzes those files to identify claims with potential subrogation rights. Trover’s process involves sending letters to members in order to facilitate the exchange of information between the member and Trover customer service to verify details related to causation of the illness/injury for which certain medical claims were paid and processed through insurance. 9. With regard to this matter specifically, Trover sought basic information from Ms*** on behalf of ***. That contact was on behalf of *** (and at ***’s request). The file was investigated based on bills that indicated a beginning of treatment for thoracic spine pain. The bills began with date of service 4/10/and continue with physical therapy and last date of service 10/12/10. Ms*** responded to Trover’s discovery letters that the treatment was not related to an accident or injury and that was not work-related. As a result, Trover closed the file. No further contact related to those dates of service should be necessary.11. Trover is not a bogus company or a fraud or scam. In fact, Trover's services allow health insurance companies to be reimbursed by responsible third parties for claims paid on injuries that are the responsibility of other payors. These recoveries act to help reduce insurance premiums

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution may be satisfactory to me. It appears the recording is available and they prefer not to provide it. If recordings are destroyed after days and my contact was two (2) days ago, it would still be available. Hence, the response is generic
Regards,
*** ***

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,
*** **

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***
I have talked to the insurance company and told them I have no other insurance other than Medicare Part AAccording to my account online the insurance has been paid except for my partIt appears that this issue has been resolved and no further action is needed

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,
*** ***

In response to the Revdex.com complaint submitted on 4/25/by Mr*** *** (“Mr***” or “Member”), with an assigned ID of ***, Trover Solutions, Incresponds as follows: Trover Solutions, Inc(“Trover”) is an insurance subrogation firm providing services on behalf of a
number of the nation’s largest health/disability plansTrover is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in all fifty states, including New JerseyIn this case, Trover’s client is HCSC (“HCSC”), Mr***’s health insurance carrier (through *** ***/*** Shield)HCSC has a contractual arrangement with Trover whereby HCSC asked Trover to perform subrogation investigation services on their behalfAs specifically allowed in HCSC’s insurance contracts with its insureds, HCSC is subcontracts its rights to pursue the investigation of potential subrogation claimsIn this case, Trover is acting as an agent providing HCSC with investigative servicesThe information sought by Trover is information that it is entitled to request from the insured and the insured is obligated to cooperate pursuant to the terms of their insurance policyTrover is not a bogus company or a fraud or scamTrover apologizes if the member misunderstood Trover’s role and potentially misinterpreted the attempts to obtain additional informationTrover did not intend to infer in its letters that Mr*** had an accidentThe inquiry is simply an attempt to gather information on behalf of his health insurance companyTrover’s services allow health insurance companies to be reimbursed by responsible parties for claims paid on injuries that are the responsibility of third partiesThese recoveries act to reduce insurance premiumsAfter receiving and processing data files of paid claims provided by insurance companies (like *** *** *** Shield of Illinois), Trover analyzes those files to identify claims with potential subrogation rightsTrover’s process involves sending letters to members in order to facilitate the exchange of information between the member and Trover customer service to verify details related to the medical claims paid and processed through insuranceWhile HCSC (and Trover) knows that medical services were provided, no information is known as to the cause of the condition necessitating the medical care or whether there might be a third party liable for paymentThe information requested by Trover from Mr*** in the letters sent is supplemental to the information that has already been filed with the original claim for coverageTrover apologizes that Mr*** encountered difficulties accessing our websiteWe’ve checked and confirmed that the site is up and running properlyMr*** can access the site to respond to the letters (www.troversolutions.com) or simply call the customer service phone number contained on the letters he received

In response to the Revdex.com complaint submitted April 26, by *** *** (“Ms***” or “Member”), with an assigned Revdex.com ID of ***, Trover Solutions, Incresponds as follows: Trover Solutions, Inc(“Trover”), a duly organized corporation under the laws of the state of
Delaware and is validly authorized to do business in all fifty states including CaliforniaTrover is an insurance subrogation firm providing services to a number of the nation’s largest health plansIn this case, Trover’s client is *** *** (“***”)Trover is not a fraud, scam, or identity thief, but a legitimate business engaged by ***In fact, Trover is an accredited Revdex.com memberAs provided for in ***’s insurance contracts with its insureds and employees, *** subcontracts its rights to pursue potential subrogation claims to TroverIn order to keep healthcare costs low for all *** members, *** has contracted with Trover to review medical services provided and/or paid claims that may have been the result of an accident or injury in order to determine whether another party or insurer should be responsible for the cost of the treatment (a/k/a third party liability)After receiving and processing data files of paid claims provided by ***, Trover analyzes files to identify claims with potential subrogation rightsTrover’s process involves sending letters to *** members simply to facilitate the exchange of information between the member and Trover customer service center to verify details related to medical claims processed through ***The investigation conducted by Trover determines whether *** has a right of subrogation or recovery related to claims it paid under its policyThe information requested of the members by Trover is supplemental to the information that has already been filed with the original claim for coverageTrover has the basic claim information and only requests cooperation from the insured as set forth in the insured’s insurance policyThrough the contractual relationship between *** and Trover, Trover is a “Business Associate” of *** (who is a “Covered Entity”) under HIPAAEverything being done by Trover and *** is in full compliance with HIPAATrover is legally and contractually allowed to contact the member to make certain information requestsWith regard to Ms***, the facts are as follows: • The Member has been sent letters requesting that she contact our customer service department to discuss treatment rendered to her ***• As of this date, no response has been received by Trover• Trover’s website (www.troversolutions.com) is not an invalid siteThe site is and has been up and running properlyIt is not known why the Member might have encountered problems with the siteThe Member is requested to re-try accessing the website (www.Troversolutions.com)Trover apologizes for any confusion that may have occurred upon receipt of our written correspondenceAs outlined above, Trover’s contact letters are not phony, are not phishing, are not an attempt to at identity theftHopefully this explanation will operate to clarify who Trover is, how we represent ***, ***’s potential rights of reimbursement, and Member’s obligation to cooperate in the future

*** *** (Trover Solutions, Inc.) is NOT a collection agency*** is a duly organized limited liability company under the laws of the state of Indiana and is validly authorized to do business in a majority of the states, including Wisconsin*** is an insurance subrogation firm
providing services to a number of the nation’s largest health plansTrover is a legitimate business engaged by health plan clients*** is not trolling and is not a fraud, scam, identity thief, or a phishing scamIn fact, *** is an accredited Revdex.com memberIn this case, if the member will provide reference to the case/file number on her letter, we can address her concerns more completelyGenerally, in order to keep healthcare costs as low as possible for all members, health plans contract with and request *** review medical services provided and/or paid claims that may have been the result of an accident or injury to determine whether another party or insurer should be responsible for the cost of the treatment*** provides that information to the health plan who then determines if it will seek compensation/reimbursement from the responsible partyIn this case, if the member will provide reference to the case/file number on her letter, we can address her concerns more completely

In response to the Revdex.com complaint submitted on August 19, by Mrs*** ** (“Mrs**”), with an assigned Revdex.com ID of ***, Equian, LLC responds as follows:
1. After review of Mrs**’s complaint, Equian is glad to have the
opportuni** to explain who we are and why we have contacted himEquian apologizes if Mrs** misunderstood Equian’s role and potentially misinterpreted the attempts to obtain additional information. The inquiry is simply an attempt to gather information on behalf and at the direction of *** **
2. Equian, LLC (“Equian”) is a duly organized limited liabili** company under the laws of the state of Indiana and is validly authorized to do business in all fif** states, including ***. Equian is an insurance subrogation firm providing services on behalf of a number of the nation’s largest health/disabili** plans. Of note, Equian, LLC is the successor enti** to an enti** called *** *** Inc(which merged with and into Equian in 2016). Also of note, *** responded to a complaint very similar to this one registered by Mrs** in 2013.
3. In this case, Equian’s client is *** (“***”). Mrs**’s insurance is through *** *** ** ***, a division of ***. *** has a contractual arrangement with Equian whereby *** asks *** to perform subrogation investigation services on their behalf. While Equian is NOT a provider of services, it is acting as an agent providing *** with investigative services
4. The information requested by Equian from Mrs** in the letters sent is supplemental to the information that has already been filed with the original claim for coverage. While *** (and Equian) knows that medical services were provided, no information is known as to the cause of the condition necessitating the medical care or whether there might be a third par** liable for payment. Once a file is referred to Equian for handling, any information provided directly to *** by the insured is likely NOT to make it into the file (which is why despite Mrs**’s provision of information to ***, that information may not be in Equian’s file)
5. Equian is not a bogus company, or a fraud or scam. And, the requests are NOT a violation of HIPAA. Through its contractual relationship, Equian is a “Business Associate” of *** (who is a “Covered Enti**”) under HIPAA. Everything being done by *** and Equian is in full compliance with all applicable federal and state laws, including HIPAA
6. In this case, the three (3) discovery letters on this particular event (*** event #***) were sent to Mrs**. Each simply sought informationAfter no response, a fourth letter was sent by an outside law firm (*** *** ***). It appears that after that final letter, Mrs** (or someone on her behalf) responded electronically and provided the necessary information. As a result, the file has been closed and no further contact should be necessary on this matter
7. Equian is a Revdex.com Accredited Business with an A+ rating. Equian’s services allow health insurance companies to be reimbursed by responsible parties for claims paid on injuries that are the responsibili** of third parties. These recoveries act to reduce insurance premiums

In response to the Revdex.com complaint submitted on 1/2/by Mr*** *** (“Mr***” or “Member”), with an assigned ID of ***, Trover Solutions, Incresponds as follows: Trover Solutions, Inc(“Trover”) is an insurance subrogation firm providing services on
behalf of a number of the nation’s largest health/disability plans. Trover is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in all fifty states, including Illinois. In this case, Trover’s client is *** (“***”), Mr***’s health insurance carrier. *** has a contractual arrangement with Trover whereby *** asks Trover to perform subrogation investigation services on their behalfAs specifically allowed in ***’s insurance contracts with its insureds, *** is subcontracts its rights to pursue the investigation of potential subrogation claims. In this case, Trover is acting as an agent providing *** with investigative services. The information sought by Trover is information that it is entitled to request from the insured and the insured is obligated to cooperate pursuant to the terms of their insurance policy.3. Trover is not a bogus company or a fraud or scam. The inquiry is simply an attempt to gather information on behalf of his health insurance company. While *** (and Trover) knows that medical services were provided, no information is known as to the cause of the condition necessitating the medical care or whether there might be a third party liable for payment. The information requested by Trover from Mr*** in the letters sent is supplemental to the information that has already been filed with the original claim for coverage4. In this case, the first discovery letter on this particular event (*** event #***) was sent on 10/16/15, followed by additional letters, all simply seeking informationAfter receiving this complaint, we did additional investigation and determined that there was another event (*** Event #***) on Mr*** during the summer of 2014. In that case, Mr*** did respond on 8/11/that the treatment was back treatment. The treatment was not automatically tied to the injury due to lack of information. As such, it was necessary to send inquiries to get additional information in to make sure there wasn’t another incidentTrover apologizes that Mr*** may have misinterpreted our efforts to simply get additional information to ensure that the new treatment was related to the treatment.5. As Mr*** has now responded to our correspondence and provided some additional information, it is not anticipated that Trover will need any other information on the claim

In response to the Revdex.com complaint submitted on 10/12/by Ms*** *** (“Ms***”), with an assigned ID of ***, Trover Solutions, Incresponds as follows:
1. Trover Solutions, Inc(“Trover”) is a duly organized corporation under
the laws of the state of Delaware and is validly authorized to do business in Kentucky, Ohio (and most every other state in the United States).
2. Trover is an insurance subrogation company who provides subrogation related services to a number of the nation’s largest health plans. In this case, Trover was providing subrogation services to its client related to an auto accident involving Ms***.
3. It appears that Ms*** *** was driving the car of a friend, Ms***, and hit the vehicle of an insured of a Trover client. Neither Ms*** nor Ms*** had insurance on the at fault vehicle. As a result of the accident, the original amount due was $6054.41.
4. Trover representatives went back and forth with Ms*** and Ms*** as they were both responsible parties. While it appears that there was an error with the calculation of the original amount due, that error was fixed and both individuals were notified of the amount due. Both individuals agreed to pay down payments, which didn’t occur. Then they agreed to pay $down (over a 3-month period), but that also failed to occur.
5. At no point was a formal agreement executed between any of the parties here, everything was verbal and by email. To our knowledge, there have been sporadic payments between the two persons that result in approximately $4,being still due. Due to our inability to recover the sums due, this file was deemed “failure to pay” and referred to our outside collection group.
6. The sums due are valid, no consistent payments were received, and the file was assigned to and is being handled by *** (1-***) and is no longer in our control

Revdex.com:
I have reviewed the response made by the business in reference to complaint ** *** and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I do not have any relationship, contractual or other, with this entity who is requesting confidential information from me. I require them to discontinue soliciting information from me in any way. Their response means nothing, they just need to stop bothering me
Regards,
*** ***

The Revdex.com complaint goes to *** event # ***. It should be noted that *** is NOT an insurance company and is NOT a fraudulent company. *** is a vendor that performs services FOR insurance companies. In this case, ***'s client is Auto Owners. The
initial letter was sent to the responsible party on 10/27/The 3rd party, *** ***, contacted *** and stated that she (Ms ***) got out and took pictures and didn’t see any damages to the insured's vehicleMs *** requested *** send her pictures of the damages and a statement from the AO adjuster who adjusted the claim verifying damages were caused from this lossHowever, there are no photos in our file documents or in the supporting documents *** received from Auto Owners. *** did not send a suspension request to the Indiana DMV, It appears that in this state if an accident occurs and the police report notes the responsible party did not have the state required liability insurancethey will automatically suspend their driver’s license. After Ms*** refused to pay the damages, since we could not send her damage photos, the file has since moved to a outside collections vendor (*** and Associates) who has the file in active collectionsIf Ms*** doesn't have the documentation, she can contact Wilbur and receive documentation of the full amount owed (including the loss notice, the rental invoice, the damage estimate that Auto Owner's sent to *** for auditing, and their complete audit report of the damages)The total of the damages presented is $(which includes the insured’s $deductible)

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,
*** ***