Allied Services, Inc.

Initial Business Response /* (1000, 5, 2015/11/09) */
Contact Name and Title: Beth ** ***, President
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@komyattelaw.com
This correspondence shall serve as our firm's response to the complaint recently filed by Ms*** *** in Case
#XXXXXXXX
Komyatte & Casbon, PCis an Indiana law firm practicing in the area of medical collection lawIt is customary for our firm to seek collection of delinquent medical accounts from the patients of our clientsKomyatte & Casbon has created and implemented policies and procedures which are designed to ensure that our collection activity is, at all times, compliant with all federal and state laws which govern the collection of debt and the protection of consumers
In her complaint, Ms*** alleges that our office refused to take her payment and that she was told that if she didn't pay her delinquent account by "the end of the month" a lawsuit would be filed against herHowever, a review of our file notes indicates otherwiseAccording to our records, Ms*** called our office on October 13, 2015, in response to a letter that we had sent to her advising her that her account had been placed with our office for collectionDespite her claims to the contrary, Ms*** was identified by her name, address and social security number before any information about her account was releasedAfter providing information about the account, a payment arrangement was discussedHowever, Ms*** was not told that her account needed to be paid by the end of the monthInstead, an arrangement was made to accept bi-monthly payments which would liquidate the delinquent account over a period of three months (i.ea total of payments)To be fair, Ms*** was told that, if her payments were not made as agreed, our office had been directed by our client to file a lawsuit in order to collect any remaining balanceOur notes also do not indicate that our account representative "hung up" on Ms*** prior to the end of the call
It is the intention of our office to deal with all consumers in a professional and non-threatening wayTo the extent that Ms*** feels that she was treated otherwise, I apologizeHowever, our notes regarding our telephone communication with Ms*** simply do not support the allegations in her complaint
I hope that this response has addressed all of the issues raised in the complaint; however, if there are any additional questions or concerns regarding this matter, you may contact me directly
OFFER:
If Ms*** is ever unhappy with the representative that she is speaking with from our office, she is welcome to request to speak with another representative or to request that she be directed to a supervisor
Initial Consumer Rebuttal /* (3000, 7, 2015/11/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I want this company to make an arrangement with me that I can financially afford to doI have left a message and am waiting for a call back
Final Business Response /* (4000, 9, 2015/11/17) */
Contact Name and Title: Beth A***, President
Our office spoke with Ms*** on 11-13-(the day after she provided her response) and we are in the process of working with her to find a mutually acceptable resolution
OFFER:

Initial Business Response /* (1000, 5, 2017/06/28) */
Komyatte & Casbon, PCis an Indiana law firm practicing in the area of medical collection lawIt is customary for our firm to pursue the collection of delinquent medical accounts from the patients of our clientsKomyatte & Casbon has
created and implemented policies and procedures which are designed to ensure that our collection activity is, at all times, compliant with federal and state laws which govern the collection of debt and the protection of consumers
In her complaint, Ms*** states that she has no contract with our firm (Komyatte & Casbon, P.C.) and is not responsible for a debt owed to *** *** which our firm is seeking to collectAfter investigating this matter, I can report that we have confirmed with *** *** that Ms*** is the party responsible for payment of the accountFurther, we have obtained a copy of the Authorization signed by Ms*** prior to the provision of medical services to her dependantBy signing the Authorization, Ms*** agreed (among other things) to be responsible for "payment of any and all charges not paid by medical insurance"We would be happy to provide a copy of this Authorization to Ms*** upon her request
After investigation, we have confirmed with our client, *** ***, that Ms*** is, in fact, the person responsible for payment of this accountHaving said this, we have noted her dispute in our file and have reported to TransUnion (the only credit reporting agency that we report to) that the account is disputedAs indicated above, Ms*** is invited to contact our office to obtain any additional information regarding the account that she may require
Thank you for the opportunity to respond to Ms***'s complaint
Initial Consumer Rebuttal /* (3000, 7, 2017/07/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have requested that this company send me a verification letter that includes my signature as proof that I owe this debt to this companyI have never received that verification letterI have never made any agreement with this company to pay this debt that is owed to another company which is community hospitalThis company is not affiliated with *** *** but is in business of buying off their accounts with old debts for a lower fee and then pursuing the the account holder for the full amountWell I do not disagree that I may owe *** *** who is the original creditor, I disagree that I owe this third-party collection agencyI have never made an agreement to pay them I have never signed any contract with them and they have not been able to verify this debt to me as requestedI have not received any type of verification letter or paperwork in association to this debt to prove that it is indeed my debt
Final Business Response /* (4000, 9, 2017/07/12) */
In our original response, I invited Ms*** to contact our office to obtain the "verification" documents that she is seekingHowever, rather than contacting us, she has chosen to submit this rebuttalIn an effort to resolve this matter, I am sending Ms*** a letter (in today's mail) setting out our client's position and enclosing the itemized billing statement and Authorization signed by Ms***I am hopeful that, upon review of these documents, Ms*** will recall her obligation to *** *** and will remit payment
Finally, as indicated previously, Komyatte & Casbon is not "in business of buying off accounts with old debts for a lower fee and then pursuing the account holder for the full amount"*** *** is and always has been the owner of this accountKomyatte & Casbon is a law firm that merely represents *** *** with regard to its legal interests in the debt owed to the hospital by Ms***If Ms*** feels more comfortable remitting her payment for this debt directly to *** *** (as opposed to our office) she is more than welcome to do so

Initial Business Response /* (1000, 5, 2017/03/02) */
Komyatte & Casbon, PCis an Indiana law firm practicing in the area of medical collection lawIt is customary for our firm to pursue the collection of delinquent medical accounts from the patients of our clientsKomyatte & Casbon has
created and implemented policies and procedures which are designed to ensure that our collection activity is, at all times, compliant with federal and state laws which govern the collection of debt and the protection of consumers
Over the years, Mr*** has had several medical bills / accounts that have been placed with our office for collectionIn his complaint, he alleges that our office refused to provide him with information about his accounts and refused to allow him to pay only certain accountsHaving reviewed these matters (which review included a review of our notes as well as the recording of the telephone conversation between Mr*** and our account representative), I discovered that our only recent contact with Mr*** occurred on February 15, 2017, when he called our office after apparently having discovered that some of the delinquent accounts were appearing on his credit reportDuring that call, Mr*** was identified by name, address and date of birthHe inquired as to the total balance due for all accounts placed with our officeWhen this figure was given to him, he stated that the amount was higher than the balance of the accounts on his credit bureau reportHe then indicated that he wanted to pay only the accounts appearing on his credit bureau report so that they could be "removed"At this point, it was explained to Mr*** that, once paid, accounts would not be "removed" from his credit report but, instead, would be reflected on the report as "paid" collectionsAn installment payment plan was suggested to Mr*** but he refused and terminated the callOn February 27, 2017, Mr*** again called our office and paid the full outstanding balance of all accounts placed with our office
Despite Mr***'s allegation, my investigation revealed that he was never told that he could not pay certain accountsHe also was not told that certain accounts would not be removed until ALL accounts were paidIn fact, Mr*** was simply told that accounts cannot be "removed" from his credit report at allInstead, it was explained that the account information would be updated to reflect either a decreased balance (upon partial payment) or a "paid" status once the account had been fully paid
It appears that Mr***'s complaint is the result of a misunderstanding about how delinquent accounts are reported to and updated with the credit bureauIf he has any further questions regarding this matter, he should feel free to contact our office
Initial Consumer Rebuttal /* (3000, 7, 2017/03/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
the statement made isn't trueI was not allowed to pay certain accountsI told them that I had business that required me to have zero balances on certain accounts and they wouldn't provide the info or allow me to pay the billsI also informed them that I only had enough money to pay the amount on the certain billsThey informed me that even if I paid the amount it wouldn't reflect on my credit until all has been paidThis is still on my credit even after I paid in fullI have had others that were paid at the same time and they have already been removedThanks

Initial Business Response /* (1000, 5, 2016/08/24) */
Komyatte & Casbon, P. C. is an Indiana law firm practicing in the area of medical collection law. It is customary for our firm to pursue the collection of delinquent medical accounts from the patients of our clients. Komyatte & Casbon has...

created and implemented policies and procedures which are designed to ensure that our collection activity is, at all times, compliant with federal and state laws which govern the collection of debt and the protection of consumers.
In her complaint, Ms. [redacted] states that she does not owe the account at issue because her insurance should have paid the claim in full. She further states that she provided all of the relevant insurance information at the time the medical services were rendered. She is asking that the medical provider "zero out" the balance and remove the adverse credit information from her credit report at all 3 major bureaus.
Without addressing the issue of whether Ms. [redacted] provided her insurance information in time to allow for the timely filing of the claim, our client has agreed to accommodate Ms. [redacted] and has authorized us to close our collection file on this account. Further, since the account is being closed with our office, we have requested (on 8/24/16) that it be deleted from Ms. [redacted]'s TransUnion credit report. Please note that TransUnion is the only credit bureau that this office reports to and, as such, it is the only credit bureau that we are able to request a deletion from. I trust that this resolution will be acceptable to Ms. [redacted] since it accomplishes all that she has requested.
Finally, Ms. [redacted] also states in her complaint that this office has "continued to harass me via US Mail and via telephone". My review of this matter indicates that this is simply not the case. The account at issue was originally referred to our office on May 15, 2015. In the more than fifteen (15) months that have passed since the referral, this office has sent three letters to Ms. [redacted] and spoken with her on the telephone three times (two of these conversations occurred this month on August 1, 2016, when Ms. [redacted] mentioned for the very first time that she believed that her health insurance should have paid this bill). Certainly, these very few communications could not under any circumstances be considered to be harassing.
Thank you for the opportunity to respond to Ms. [redacted]'s complaint.

Initial Business Response /* (1000, 8, 2017/12/08) */
Komyatte & Casbon, P. C. is an Indiana law firm practicing in the area of medical collection law. It is customary for our firm to pursue the collection of delinquent medical accounts from the patients of our clients. Komyatte & Casbon has...

created and implemented policies and procedures which are designed to ensure that our collection activity is, at all times, compliant with federal and state laws which govern the collection of debt and the protection of consumers.
In her complaint, Ms. [redacted] states that she first heard of an account owed to [redacted] when she found the account referenced on her credit bureau report. She further states that, because she relocated to Florida in October 2013, she could not have received notice of the delinquent [redacted] bill.
The matter at issue is the balance due (after application of all health insurance payments and adjustments) for medical services provided to Ms. [redacted] at [redacted] on May 28, 2013. According to the records of [redacted], several statements were sent to Ms. [redacted] requesting payment. When the balance was not paid, the account was placed with our office (Komyatte & [redacted]) for collection efforts. A letter notifying Ms. [redacted] of this placement was sent to the address she provided to the hospital ([redacted]) on October 28, 2013. We know that Ms. [redacted] received this letter because our records reflect that she called our office at 10:34 am on November 25, 2013, to discuss the account. At that time, she advised that she believed that she may have paid the account but would need to check her records. She said that she would either fax or hand deliver proof of her payment once she found it. Ms. [redacted] did not provide any such proof of payment and further attempts to reach to her were not successful. As a result, the delinquent account was reported to TransUnion.
After investigation, we have confirmed with our client, [redacted], that Ms. [redacted]'s account remains unpaid. We have also confirmed that the account has been correctly reported to TransUnion. (Please note: Komyatte & Casbon has not reported this account to any credit reporting agency other than TransUnion)
In an effort to assist Ms. [redacted] with her recollection of this matter, I am sending her (at the address provided in her complaint) a copy of the itemized billing statement together with a copy of the Patient Authorization she executed prior to the provision of medical services on May 28, 2013. Upon receipt of these documents, I invite Ms. [redacted] to contact our office to discuss any remaining questions that she may have as well as a mutually acceptable resolution of the account.
Thank you for the opportunity to respond to Ms. [redacted]'s complaint.
Initial Consumer Rebuttal /* (3000, 10, 2017/12/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Komyatte & Associates was contacted by myself years ago (I will have to check the date) re a $100 bill that was due [redacted] and was paid and resolved.
I have NEVER been contacted by Komyatee & Casbon. I resided in FL at the time they are stating I contacted them and I have a lease to prove it. AND after paying the other $100 inv to Komyatte I checked with [redacted] for any outstanding bills and paid my account IN FULL before I left for Florida.
Attached is my July 20, 2013 PIF payment to [redacted]. Hence, someone is not being truthful here. Komyatte states [redacted] says I ignored their statements. Well, if I ignored their statements, why do I have the attached.
Notice that the attached states [redacted] will send me an email confirmation. I STILL have the email confirmation. If Komyatte will give me an email address, as I do not know how to attach and email to this site, I will forward the confirmation.
This needs to be REMOVED from all three of my credit bureau reports immediately. Komyatte & Associates was PIF for [redacted] was PIF their bill. AND I have NEVER heard from Komyatte & Casbon. How do I check records for when Komyatte & Associates became Komyatte & Casbon.
Please REMOVE this error immediately. Thank you.
Final Business Response /* (4000, 13, 2017/12/18) */
I have reviewed the receipt submitted by Ms. [redacted] and I have also shared it with a representative at [redacted] confirms receipt of Ms. [redacted]'s $200 payment; however, the payment was not applied to the account that Komyatte & Casbon is seeking to collect but, instead, was posted to two other accounts belonging to Ms. [redacted]. I have sent statements to Ms. [redacted] at her home address to show exactly how her $200 payment was applied. Again,I urge Ms. [redacted] to contact our office to discuss this matter as it is very difficult to have a dialogue via the Revdex.com website.
As I indicated previously, Komyatte & Casbon reports delinquent accounts EXCLUSIVELY to TransUnion. We have advised TransUnion that Ms. [redacted] disputes this debt. We have not shared information about this account with either of the other two credit reporting bureaus.

Initial Business Response /* (1000, 8, 2016/07/08) */
Komyatte & Casbon, P. C. is an Indiana law firm practicing in the area of medical collection law. It is customary for our firm to pursue the collection of delinquent medical accounts from the patients of our clients. Komyatte & Casbon has...

created and implemented policies and procedures which are designed to ensure that our collection activity is, at all times, compliant with federal and state laws which govern the collection of debt and the protection of consumers.
First, to clarify any confusion about the amount of Ms. [redacted]'s debt, it should be noted that Ms. [redacted] has more than one account which has been placed with our office for collection. Ms. [redacted] is correct that the balance due on the account that she initially inquired about is [redacted] We would be happy to provide Ms. [redacted] with a complete list of accounts placed with our office at her request.
In her complaint, Ms. [redacted] indicates that she was treated poorly by one of our account representatives. We do not take this complaint lightly as it is our goal to be professional at all times and to treat all of our clients' patients with respect. To the extent that Ms. [redacted] does not feel that this occurred during her dealings with our office, I offer her my personal apology. Having said that, Ms. [redacted]'s complaint does not specify exactly how our representative was rude or unprofessional. Although she was clearly not happy about finding that a "5 year old" collection account was on her credit report, my review of this matter indicates that such reporting is appropriate and legal. Further, the accounts at issue were not reported to Ms. [redacted]'s credit report until after she failed to pay her accounts or respond to our attempts to communicate with her regarding the accounts when they were initially placed with our office for collection.
Ms. [redacted] also complains of being asked to provide information regarding her income and her ability to pay her accounts. When asked by a patient to accept a reduction in the amount due on an account, it is our policy (as directed by our clients) to assess the patient's financial position. Certainly, if Ms. [redacted] did not want to answer these questions, she was free to simply pay the account balances in full. Considering a "debt reduction" is merely a courtesy that is extended to those patients who request it.
Ms. [redacted] is correct that collection accounts remain on a person's credit report for seven (7) years from the date that the account first became delinquent. There is nothing in our file notes to indicate that she was told anything different during her various conversations with our office.
Thank you for the opportunity to respond to this Complaint. We will use this opportunity to remind all of our account representatives that professionalism and courtesy are expected during all of their dealings with our clients' patients.
Initial Consumer Rebuttal /* (3000, 10, 2016/07/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I was not contacted by this firm in over four years. I have lived at my current address for 4 Years and komyette never sent me anything until I called them a few weeks ago about settling a bill on my credit report. They may have contacted me 5 1/2 years ago since the bills are from 2010 and went into collection in 2011. I thought I had Medicaid at the time but I didn't. I've been on Medicaid on and off the past 17 years so the only bill I was aware of was [redacted] . When trying to handle it I was treated rude. When calling komyette it tells you the conversation is being recorded, so I dont remember detailed words their workers used but they were rude which caused me to be very upset and act rudely myself. There are statue of limitations , and I know my rights when I comes to old debt. These people want to scare you and make you feel helpless. I've had old debt - credit cards, medical fall off my credit report, it does happen. When telling the komyette worker that she replied" we'll see about that" I'm not gonna feel threathened because I have a medical bill(s) that are almost 7 years old. Komyotte is playing like these debts are barand new and they have been trying to contact me for months or years. I inquired about one debt for [redacted] and they opened the flood gates. Why haven't I heard from them last 4 years? Now they want to send a letter saying after several attempts they are going to sue me in court??? I don't think so. I know my rights. Thank you.
Final Business Response /* (4000, 12, 2016/07/11) */
Once again, it is always our intention to treat every person that we deal with professionally and all of our employees are trained to do so. To the extent that Ms. [redacted] feels that she was not treated professionally by our account representative, I again offer my sincere apology. Having said that, my investigation has revealed that all collection activity taken with regard to Ms. [redacted]'s accounts (including credit reporting) has been appropriate and legal. Further, nothing in my investigation has revealed that Ms. [redacted] was misled or given any inaccurate information with regard to her accounts.
As always, Ms. [redacted] is welcome to contact our office to discuss a mutually acceptable resolution to this matter.

Initial Business Response /* (1000, 5, 2016/07/05) */
Komyatte & Casbon, P. C. is an Indiana law firm practicing in the area of medical collection law. It is customary for our firm to pursue the collection of delinquent medical accounts from the patients of our clients. Komyatte & Casbon has...

created and implemented policies and procedures which are designed to ensure that our collection activity is, at all times, compliant with federal and state laws which govern the collection of debt and the protection of consumers.
In her complaint, Ms. [redacted] correctly states that our office contacted her in March 2016, to advise her that a delinquent medical account had been placed with our office for collection. However, this correspondence occurred in writing (not by telephone), sent to her residence via regular mail, on March 3, 2016. When there was no response to this letter, a second letter was mailed to Ms. [redacted] on April 27, 2016. On May 3, 2016, in response to one or both of our letter, Ms. [redacted] contacted our office by telephone and advised that she believed that the bill in question should have been covered by her health insurance. The account representative from our office took her insurance information, verified the coverage, and referred the matter to our client so that the insurance could be billed. On May 10, 2016, we received confirmation from our client that Ms. [redacted]'s insurance carrier had, in fact, been billed.
Ms. [redacted] again called our office on June 7, 2016, to advise that the account was appearing on her credit report. She was advised at that time that the account had been closed in our office and returned to our client. She was also told that we had sent a request to TransUnion to have the account deleted from her credit bureau report but that this process could take up to thirty (30) days. In reviewing this complaint, I have confirmed that a request to delete the account from Ms. [redacted]'s credit report was, in fact, sent to TransUnion.
Once the request to delete an account is sent to TransUnion, this office is unable to control when the deletion actually takes place. Having said that, if Ms. [redacted] needs some sort of confirmation that her account is no longer in collections, she should feel free to contact our office and we would be happy to provide her with documentation to this effect.
Initial Consumer Rebuttal /* (2000, 7, 2016/07/05) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 8, 2016/09/19) */
Komyatte & Casbon, P. C. is an Indiana law firm practicing in the area of medical collection law. It is customary for our firm to pursue the collection of delinquent medical accounts from the patients of our clients. Frequently, our...

representation includes the filing of a lawsuit in order to collect the amount due to our client. Komyatte & Casbon has created and implemented policies and procedures which are designed to ensure that our collection activity is, at all times, compliant with federal and state laws which govern the collection of debt and the protection of consumers.
In her complaint, Ms. [redacted] indicates that she is upset that our office is attempting to collect the balance due on three "old" bills that she claims to have never received. (She claims to have only "stumbled upon them" on her credit report.) Having reviewed our files and discussed the bills with our client, I am comfortable that Ms. [redacted] was fully aware of all three bills. In the first place, in a separate complaint filed with the Revdex.com against our hospital client, Ms. [redacted] has described her visits to it's hospital in some detail indicating that she quite clearly remembers incurring these expenses. Further, my client's billing notes indicate that, for each of the three accounts, bills were sent to Ms. [redacted] at the address that she provided to the hospital on multiple occasions including a "final bill" for each account which advised her that the account would be sent to a collection agency or attorney if the balance was not resolved. Once the accounts were placed with our office, letters were sent to Ms. [redacted] advising her that the accounts had been sent to us for collection efforts. In fact, for each account, Ms. [redacted] was sent a letter advising her that the account would be reported to TransUnion (a credit reporting agency) if not resolved. None of these letters was ever returned to our office by the U.S. Postal Service as being undeliverable.
In February 2015, Ms. [redacted] contacted our office after finding that the accounts were appearing on her TransUnion credit report. At that time, she did not dispute owing the balance due on any of the three accounts and asked only that she be allowed to make payments over time. At that time, she requested and was allowed to pay [redacted] every two weeks toward the combined balance of the three accounts. However, after making just two payments (the second of which was over a month late), Ms. [redacted] stopped making payments. We attempted to reach her at the telephone number she had provided but the line had been disconnected. In July 2015, a letter was sent to the Chicago address that she had provided to us asking her to contact our office to re-establish her payments but she did not contact us again.
Although I understand that Ms. [redacted] is unhappy that these bills have potentially had a negative impact on her credit, it appears that she had multiple opportunities to avoid this result. We remain willing to work with Ms. [redacted] to establish a mutually acceptable payment arrangement; however, this does not mean that she alone can dictate the terms of such an arrangement.
Thank you for the opportunity to respond to Ms. [redacted] complaint.
Initial Consumer Rebuttal /* (3000, 10, 2016/09/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have been living at my current Residence for a year. I have my lease if they are mistaken by the information I gave them. I have not received one peice of information from them to my current address. Not one peice.
I don't appreciate them trying to make me out to be a liar. I called them to figure something out as far as payments go. I wasn't able to come to any agreement with them as they have decided it would be better to threaten me with garnishment as opposed to actually working something feasible out with me. As I said I have my lease to back the fact that I have been at my current Residence for a yeare. If mail has been delivered to a residence that is not mine then that should be taken up with someone else. On my last call I gave you my information. I have yet to receive anything from you. If I did it wouldn't matter since I have to pay the entire balance which is not possible.
Thank you for not working with me at all. I will not need any further response from you or your business because at this point we can do nothing for one another.

Initial Business Response /* (1000, 5, 2017/03/10) */
Komyatte & Casbon, P. C. is an Indiana law firm practicing in the area of medical collection law. It is customary for our firm to pursue the collection of delinquent medical accounts from the patients of our clients. Komyatte & Casbon has...

created and implemented policies and procedures which are designed to ensure that our collection activity is, at all times, compliant with federal and state laws which govern the collection of debt and the protection of consumers.
In his complaint, Mr. [redacted] is requesting that a paid collection account be removed from his TransUnion credit report. Under our contract with TransUnion, we are generally not permitted to remove accounts from a consumer's report when they are paid. Instead, we are to report that the account is a "Paid Collection" and it will be reflected in this way until it falls off at the end of the 7 year reporting period. However, given that Mr. [redacted] may not have received sufficient notice of the delinquent account (he states that he had moved and bills may have been going to his ex-wife), I have requested that TransUnion delete the account from his credit report. Please not that this process could take up to thirty (30) days.
Thank you for the opportunity to respond to this Complaint. I assume that this resolution is satisfactory to Mr. [redacted].
Initial Consumer Rebuttal /* (2000, 7, 2017/03/13) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I appreciate the efforts of Komyatte & Casbon on keeping a system running with integrity and for the practices.
I more so appreciate the fact that they recognize when life events occur and the subsequent challenges associated with keeping bills and old medical issues straight between multiple parties.
I fully accept the response and I appreciate the action of the Revdex.com regarding this and the swift end result.

Initial Business Response /* (1000, 10, 2016/01/13) */
Contact Name and Title: Beth [redacted], President
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@komyattelaw.com
Komyatte & Casbon, P. C. is an Indiana law firm practicing in the area of medical collection law. It is customary for our...

firm to pursue the collection of delinquent medical accounts from the patients of our clients. Komyatte & Casbon has created and implemented policies and procedures which are designed to ensure that our collection activity is, at all times, compliant with federal and state laws which govern the collection of debt and the protection of consumers.
Having reviewed Mr. [redacted]'s complaint, I have found that all of the facts therein are essentially accurate. In response to Mr. [redacted]'s requests for itemized billing statements on October 22, 2015, and again on November 3, 2015, emails were sent to our client (on both occasions) asking that the statements be sent to us. Unfortunately, our client was not diligent in providing us with the requested information. Having said this, during the time that we were waiting for the statements, all collection activity ceased and at no time was information regarding the accounts sent to a credit reporting agency.
On November 3, 2015, Mr. [redacted] provided us with copies of cancelled checks as proof that the accounts we were attempting to collect had already been paid. Again, this information was promptly referred to our client who then advised us that the payments had been applied to another outstanding account belonging to Mr. [redacted] which was not placed with our office for collection. Having no reason to suspect that this was untrue, we conveyed this information to Mr. [redacted]. Unfortunately, we now know that our client's billing service had made a mistake in applying Mr. [redacted]'s payment and, when the error was eventually discovered, they again erred by failing to advise our office that the payment should have been applied to the accounts placed in our office.
On December 22, 2015, we were finally able to get confirmation from our client that the accounts placed with our office had been paid and that, as a result of Mr. [redacted]'s December 7th payment to our office, the account was now overpaid. This information was communicated to Mr. [redacted] on the same day. The next day (December 23, 2015) a refund check in the amount of $34.42, was mailed to Mr. [redacted].
Mr. [redacted]'s frustration with this matter is completely understandable and I hope that he will accept my most sincere apology on behalf of this office as well as our client. The failure of our client to provide us with a timely response to several inquiries and the unfortunate payment posting mistake are regrettable, to say the least. Admittedly, the situation was made even worse when the supervisor from our office did not return Mr. [redacted]'s call on December 7th as promised. Unfortunately, the supervisor's husband experienced a medical emergency early in the morning of December 7th which resulted in an unplanned surgery and an extended hospital stay. As a result, she was out of the office for a period of time and others in the office were unaware that she had intended to follow up with Mr. [redacted]. However, despite the posting mistake and failures in commination, I am confident that no consumer protection laws were violated as all collection efforts by this office were halted during the investigation of the issues raised by Mr. [redacted].
OFFER:
We offer Mr. [redacted] our most sincere apology and have already refunded him the amount of his over-payment of his accounts ($34.42).