Allied Services

Initial Business Response / [redacted] (1000, 5, 2016/07/05) */ 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 [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 collectionHowever, this correspondence occurred in writing (not by telephone), sent to her residence via regular mail, on March 3, When there was no response to this letter, a second letter was mailed to Ms [redacted] on April 27, 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 insuranceThe 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 billedOn May 10, 2016, we received confirmation from our client that Ms***'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 reportShe was advised at that time that the account had been closed in our office and returned to our clientShe 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) daysIn reviewing this complaint, I have confirmed that a request to delete the account from Ms***'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 placeHaving 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 / [redacted] (2000, 7, 2016/07/05) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 5, 2016/08/24) */ 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 [redacted] states that she does not owe the account at issue because her insurance should have paid the claim in fullShe further states that she provided all of the relevant insurance information at the time the medical services were renderedShe is asking that the medical provider "zero out" the balance and remove the adverse credit information from her credit report at all 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 accountFurther, 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 reportPlease 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 fromI 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 caseThe account at issue was originally referred to our office on May 15, 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 / [redacted] (1000, 5, 2017/03/10) */ 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 his complaint, Mr [redacted] is requesting that a paid collection account be removed from his TransUnion credit reportUnder our contract with TransUnion, we are generally not permitted to remove accounts from a consumer's report when they are paidInstead, 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 year reporting periodHowever, 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 reportPlease not that this process could take up to thirty (30) days Thank you for the opportunity to respond to this ComplaintI assume that this resolution is satisfactory to Mr [redacted] Initial Consumer Rebuttal / [redacted] (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 / [redacted] (1000, 8, 2016/09/19) */ 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 clientsFrequently, our representation includes the filing of a lawsuit in order to collect the amount due to our clientKomyatte & 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 billsIn 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 expensesFurther, 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 resolvedOnce 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 effortsIn 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 resolvedNone of these letters was ever returned to our office by the U.SPostal Service as being undeliverable In February 2015, Ms [redacted] contacted our office after finding that the accounts were appearing on her TransUnion credit reportAt 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 timeAt that time, she requested and was allowed to pay [redacted] every two weeks toward the combined balance of the three accountsHowever, after making just two payments (the second of which was over a month late), Ms [redacted] stopped making paymentsWe attempted to reach her at the telephone number she had provided but the line had been disconnectedIn 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 resultWe 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 / [redacted] (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 yearI have my lease if they are mistaken by the information I gave themI have not received one peice of information from them to my current addressNot one peice I don't appreciate them trying to make me out to be a liarI called them to figure something out as far as payments goI 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 meAs I said I have my lease to back the fact that I have been at my current Residence for a yeareIf mail has been delivered to a residence that is not mine then that should be taken up with someone elseOn my last call I gave you my informationI have yet to receive anything from youIf 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 allI 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 / [redacted] (1000, 8, 2017/12/08) */ 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 [redacted] states that she first heard of an account owed to [redacted] when she found the account referenced on her credit bureau reportShe 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, According to the records of [redacted] , several statements were sent to Ms [redacted] requesting paymentWhen the balance was not paid, the account was placed with our office (Komyatte & [redacted] ) for collection effortsA letter notifying Ms [redacted] of this placement was sent to the address she provided to the hospital ( [redacted] ) on October 28, We know that Ms [redacted] received this letter because our records reflect that she called our office at 10:am on November 25, 2013, to discuss the accountAt that time, she advised that she believed that she may have paid the account but would need to check her recordsShe said that she would either fax or hand deliver proof of her payment once she found itMs [redacted] did not provide any such proof of payment and further attempts to reach to her were not successfulAs a result, the delinquent account was reported to TransUnion After investigation, we have confirmed with our client, [redacted] , that Ms***'s account remains unpaidWe 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, 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***'s complaint Initial Consumer Rebuttal / [redacted] (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 $bill that was due [redacted] and was paid and resolved I have NEVER been contacted by Komyatee & CasbonI resided in FL at the time they are stating I contacted them and I have a lease to prove itAND after paying the other $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, PIF payment to [redacted] Hence, someone is not being truthful hereKomyatte states [redacted] says I ignored their statementsWell, if I ignored their statements, why do I have the attached Notice that the attached states [redacted] will send me an email confirmationI STILL have the email confirmationIf 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 immediatelyKomyatte & Associates was PIF for [redacted] [redacted] was PIF their billAND I have NEVER heard from Komyatte & CasbonHow do I check records for when Komyatte & Associates became Komyatte & Casbon Please REMOVE this error immediatelyThank you Final Business Response / [redacted] (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] [redacted] confirms receipt of Ms***'s $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***I have sent statements to Ms [redacted] at her home address to show exactly how her $payment was appliedAgain,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 TransUnionWe have advised TransUnion that Ms [redacted] disputes this debtWe have not shared information about this account with either of the other two credit reporting bureaus

Initial Business Response / [redacted] (1000, 8, 2016/07/08) */ 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 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 collectionMs [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 representativesWe 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 respectTo the extent that Ms [redacted] does not feel that this occurred during her dealings with our office, I offer her my personal apologyHaving said that, Ms [redacted] 's complaint does not specify exactly how our representative was rude or unprofessionalAlthough she was clearly not happy about finding that a "year old" collection account was on her credit report, my review of this matter indicates that such reporting is appropriate and legalFurther, 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 accountsWhen 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 positionCertainly, if Ms [redacted] did not want to answer these questions, she was free to simply pay the account balances in fullConsidering 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 delinquentThere 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 ComplaintWe 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 / [redacted] (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 yearsI have lived at my current address for Years and komyette never sent me anything until I called them a few weeks ago about settling a bill on my credit reportThey may have contacted me 1/years ago since the bills are from and went into collection in I thought I had Medicaid at the time but I didn'tI've been on Medicaid on and off the past years so the only bill I was aware of was [redacted] When trying to handle it I was treated rudeWhen 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 myselfThere are statue of limitations , and I know my rights when I comes to old debtThese people want to scare you and make you feel helplessI've had old debt - credit cards, medical fall off my credit report, it does happenWhen 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 years oldKomyotte is playing like these debts are barand new and they have been trying to contact me for months or yearsI inquired about one debt for [redacted] and they opened the flood gatesWhy haven't I heard from them last years? Now they want to send a letter saying after several attempts they are going to sue me in court??? I don't think soI know my rightsThank you Final Business Response / [redacted] (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 soTo the extent that Ms [redacted] feels that she was not treated professionally by our account representative, I again offer my sincere apologyHaving 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 legalFurther, 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 / [redacted] (1000, 10, 2016/01/13) */ Contact Name and Title: Beth [redacted] , President Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @komyattelaw.com 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 Having reviewed Mr [redacted] 's complaint, I have found that all of the facts therein are essentially accurateIn 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 usUnfortunately, our client was not diligent in providing us with the requested informationHaving 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 paidAgain, 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 collectionHaving 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 overpaidThis information was communicated to Mr [redacted] on the same dayThe 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 clientThe 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 leastAdmittedly, the situation was made even worse when the supervisor from our office did not return Mr [redacted] 's call on December 7th as promisedUnfortunately, 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 stayAs 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)