American Collections Enterprise, Inc.

Review: There was $53.23 outstanding balance on collection from Doctor's office I called Them to pay $53.23 by check and gave them routing number and account number

but of the negligence of their employee they sent wrong routing and a/c number and the check returned unpaid. they send me letter asking $35. extra for check return

but they put blame on me. I read the routing and a/c number from my check if they are not sure they ask me to repeat. But their employee and supervisor all had very bad attitude

to solve the problem. I want to pay $53.23 but not the check return fee for their negligence.Desired Settlement: Want pay $53.23 and delete the collection amount and inform credit the amount is paid in full.

Business

Response:

Dear Sir/Madam,

Our response to this consumer's complaint is respectfully submitted herein.

All of our calls are recorded for quality assurance purposes and [redacted]'s call was no exception. A review of that call recording confirms that our representative recorded [redacted]'s banking information EXACTLY as he stated it during the conversation. Further to that, the information was then read back to [redacted] and he verified its' accuracy.

As it turns out, the information was inaccurate and the ACH transaction was returned by [redacted]'s bank for the account number being invalid.

Pursuant to our policy and as allowed by law, a returned check fee in the amount of $35.00 was charged to [redacted]'s account.

I spoke with [redacted] after reviewing the recording and he continued to claim this was our representative's error. He was rude and verbally abusive. Notwithstanding his telephone demeanor, the returned check fee will not be waived as the error was not ours.

Please do not hesitate to contact me should you require additional information.

Regards,

Compliance & Quality Assurance Manager

American Collections Enterprise, Inc

Review: I am constantly receiving automated calls from a company identifying themselves as ACEI Collection Company. They inform me that they are trying to collect a debt sent to them (again this information is automated). I am asked to hold while they transfer me to a case holder. I am then sent to the voice mail box of a woman named [redacted]. She is unable to take my call and to leave a message so she can call me back. I then hear the announcement that the mailbox is full and I can not leave a message and to call back later at another time. They have called me at least 2-3 times a week and this scenario happens every time!! My caller ID shows they are calling from ([redacted].Desired Settlement: I wish to know if this is legitimate and for a paper correspondence with explanation of charges . If its not, I wish for them to stop calling me.

Business

Response:

Dear Sir/Madam,

I am in receipt of the complaint filed by [redacted] and our response is respectfully submitted herein.

We have been attempting to reach [redacted] by phone. I am not sure why she has been encountering such difficulty in getting back with us as we clear the voice mail of [redacted] several times during any given regular business day. My sincere apology to [redacted] on behalf of our agency for any difficulty she may have encountered and for any inconvenience that may have caused.

Based on this communication alone we are not able to provide paper documentation on this matter, however [redacted] is welcome to contact me personally at [redacted] or toll free at [redacted] for further assistance and to find out how she may receive the requested documentation. In accordance with her request, I have noted the account for all calls to stop effective today.

Thank you for your time and attention to this matter and for facilitating communication with this consumer. Please do not hesitate to contact the undersigned should you require additional information.

Regards,

Compliance & Quality Assurance Manager

American Collections Enterprise, Inc.

Review: I contacted ACEI in March I talked to [redacted]I was told that if I paid $2,for the six accounts that were open on my credit report that they would be removed from my credit report if the money was received by a particular dateI sent the money by priority mail the very next dayI had to call several times in order to just my receipts mailed to meThen I was told if I faxed a letter requesting that my accounts removed from my credit report that they would be removedNow I am being told that by ACEI that I have to file a complaint with someone else that they don't make such promisesI find this unethical and very unprofessional practicesI also want my accounts to be removed from my credit report like I was promised originally from the ghetto.Desired Settlement: I want these six accounts removed from my credit report as I was promised
Business
Response:
Dear Sir/Madam,
Regarding the complaint filed by [redacted], we have also been contacted by [redacted] regarding this matter
A recording of a conversation [redacted] had with our representative on April 1, 2013, revealed that although [redacted]'s accounts do not qualify for deletion from her credit per our policy, the representative she spoke with failed to clearly explain the policyAs a result, [redacted] mistakenly believed deletion from her credit was approved
In consideration of the above, we have agreed to delete [redacted]'s accounts from her credit and have informed her accordinglyShould you require additional information on this matter for your records, please do not hesitate to contact the undersigned
Regards,
Compliance & Quality Assurance Manager
American Collections Enterprise, Inc
Consumer
Response:
[A default letter is provided here which indicates your acceptance of the business's responseIf you wish, you may update it before sending it.]
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me
Regards,

Review: I received a telephone call at 8:22 am on June 13, 2013, from [redacted] looking for my daughter. I informed him that she did not live with me and to please remove my phone number from his database. [redacted] stated that he would do so IF I provided him with another number for my daughter. I told him that he needed to remove my number whether or not I provided him with an alternative. As a result of his strong arm tactic, I did not provide an alternate number.Desired Settlement: Please ensure that American Collection Enterprise, Inc., does not engage in unethical collection practices in the future.

Business

Response:

Dear Sir/Madam,

I have searched our database by the complainant's full name, last name only, address and phone number and have been unable to locate the account in question. I would like the opportunity to review the recording for this call however I am unable to even locate it without additional information. Please ask the complainant to contact me directly at [redacted] or [redacted] ext [redacted] for further assistance. Alternatively, if she would prefer to provide her daughter's name and date of birth I can conduct a more specific search in an effort to address her concerns.

Regards,

Compliance & Quality Assurance Manager

American Collections Enterprise, Inc.

Review: My doctors office reported to the American Collection Enterprise Inc. that I failed to pay 51$ to their office. The American Collection Enterprise Inc .called me in April and I provided proof of payment as requested. I was certain that the information provided would clear up the matter because my Dr’s office name was clearly listed as well as te associated phone number.

I reviewed my credit report last night and I noticed that it contained a negative report on my credit for American Collection Enterprise Inc (AECI) . I called ACEI immediately and the stated that they called my Dr’s office tand verified that I had not paid. I informed them that I provided proof of payment months ago,, this is when I was told by Angela H[redacted] that they do not have to look at the information. Ok, why did you ask for it? At this point I can see that they are not interested in clearing this matter up and I am guilty of non-payment no matter what I say. So I did the research myself, It took 1 minute. I simply googled the phone number on the transaction history and it came back with my doctors name. It was clearly her office. [redacted] could see that the information was the same. Next, I called the Drs. Office and they still insisted that I did not pay them. I immedietly sent them a copy of the transaction history. (Something ACEI was supposed to do0 They finally realized that they they put my money on their merchant account.

This collection was clearly unwarranted. Why ask the customer for proof of payment you aren’t going to do anything with it?I don’t like wasting my time. I have been harassed by this company for months and to add insult to injury they put negative marks against my credit. I realize that they work for the doctor office but before you assume that a person is avoiding payment put some effort into researching their claim. It is very obvious that this drs office made a big mistake but what is even more obvious is that Collection Agency failed to review any of the evidence I provided. I am hard working person who pays all of her bills on time. I don’t deserve to have my credit affected due to incompetence and laziness.Desired Settlement: I want all of the negtive marks removed from my credit immedately and a written appology.

Business

Response:

Dear Sir/Madam,[redacted]'s account was placed with us for collection on February 25, 2014 with a balance of $51.00. She called our office on March 6th stating she had paid the account. She indicated she was going to check her records, possibly contact our client and get back to us. She called back the following day, continuing to claim the account was paid. She was advised to put her concerns in writing and provide any supporting documentation she may have. She faxed the information that same day. The account was placed on hold pending investigation.On April 15, 2014 we contacted our client to inquire about the payment and they advised us they had not received it. The documentation she provided in support of her claim did NOT list our client as the entity that was paid, rather it listed "OB/GYN Affiliates". The name of our clients practice is Drs [redacted] & [redacted], PC. We spoke with [redacted] on April 15th wherein she maintained the bill was paid. She spoke with a representative who explained the name of the entity she paid did not match our clients name and our client had been consulted and advised there was no payment. She expressed extreme frustration with the matter and stated she was going to call back and speak with a supervisor but she did not call back. [redacted] finally contacted our office again on August 5th. She spoke with several different people including myself. She was rude and belligerent to the point where we were forced to terminate the calls. While this was occurring, our client contacted our office and stated [redacted] had paid her account THAT same day with a credit card. After speaking with [redacted] I asked the representative that had spoken with our client to call them back and confirm the payment date. It was at that point when we were told [redacted] had indeed paid the account as she had claimed, however our client had erred by placing the money in what they referred to as their "merchant" account. In other words, they had misapplied the payment. Upon learning of the error, we credited the payment to [redacted]'s account and since the payment had actually been made some time ago, we coded it for deletion from her credit. The deletion process will take anywhere from 30 to 45 days and the turnaround time is nothing over which our agency has any control.As for an apology, we do not believe one is warranted by our office. At all times during our handling of this matter our staff conducted themselves professionally and in accordance with all applicable laws governing our industry. This situation stems directly from an error made by our client in the handling of [redacted]'s payment and subsequent investigation into her dispute. It does appear an apology from their office would be appropriate under the circumstances. We cannot speak on their behalf in that regard. Regards,Angela H[redacted]Compliance & Quality Assurance ManagerAmerican Collections Enterprise, Inc.

Review: I received notice from [redacted] that a collections account had been added to my credit report(s) by American Collection Enterprises (ACE) on 8/9/13. I called ACE and was informed that the [redacted]) had hired them to collect money from me for services rendered during an ER visit on 12/8/11. Upon calling my insurance company, [redacted], I was informed that they had received a bill from [redacted] for $208. [redacted] paid [redacted] based on their fee schedule, which was not for the full amount billed. The [redacted] rep informed me that they never received any further correspondence from [redacted] stating that they required full payment. Apparently, [redacted] then made the decision to balance bill me for the $168 difference and instantly sent it to ACE for collection services. I have never received any type of bill or correspondence from either company to this day.

The [redacted] rep informed me that the bill would be resubmitted for full payment to [redacted]. I then called ACE back to inform them of what I had learned from [redacted] and was told that it could NOT be removed from my credit report at this time. I should not have a bill on my credit report in which a payment amount was made by my insurance and now the company wants the difference from me.Desired Settlement: Removal of account from all credit reporting agencies reported to

Business

Response:

Dear Sir/Madam,

Our response to this consumer's complaint is respectfully submitted herein.

Our client, [redacted], was NOT a contracted/participating provider with [redacted] insurance at the time services were rendered to **. [redacted] on December 8, 2011. They did not become a contracted/participating provider until June 15, 2012. Therefore, on the date of service associated with this debt, they were under no legal or contractual obligation to write off any portion of the balance not paid by [redacted].

This happens frequently in situations wherein the medical provider does not have a contract with the patient's insurance carrier. The carrier pays only what their contracted rate would be in the geographic area of the provider's location, leaving the patient responsible to pay the balance. It is not the responsibility of the provider to essentially remind the insurance carrier they should pay the balance in full due to the non-contracted status.

In review of this matter, we have contacted our client regarding the balance due. It is our understanding they recently reached a "settlement" with [redacted] concerning payment of claims wherein they were non-contracted on the date of service. We have asked them to confirm if **. [redacted]'s account was part of that settlement. If it was, we will be closing the file and deleting it from her credit. If it was not, we will afford **. [redacted] an opportunity to pay the balance in order to have the account deleted from her credit.

We would greatly appreciate **. [redacted] contacting our office to discuss this matter further. She is most welcome to contact me directly at ###-###-#### or toll free at ###-###-####. Thank you for your time and attention to our response.

Regards,

Compliance & Quality Assurance Manager

American Collections Enterprise, Inc.

Review: I recently discovered a $160 collection on my credit report for a DOS 4/28/2011 and wanted to take the opportunity to explain why I am disputing this charge.

Prior to scheduling my office visit for Botox therapy used to treat my chronic migraine headaches, that I suffer from for more than 15 days per month, he assured me that he had experience administering this treatment with other patients. On DOS 4/28/11 I arrived at my visit with 2 vials of Botox each containing 100 units. The doctor only used 1 vial and commented that he did not know why the protocol stated that only 100 units were needed and did not return the remaining 100 units. I did not have any relief from my migraines and that was my last visit to doctor’s office. The cost of the 100 units of Botox was $525 and Medical Office has sent me to collection for a $160 balance for a procedure that was not properly administered and without returning or crediting my account for the 100 units of Botox that was not returned to me.

I have disputed this item on my credit report through Equifax and I have also contacted American Collection Enterprise Inc. in regards to this claim . Please do not hesitate to contact me for any additional clarification.Desired Settlement: Due to the fact the procedure was not completed to the required standards, was unsuccessful, ineffective, and my $525 vial of medication was not returned to me. I should be reimbursed for the $525 vial of medication that was not used and I provided. Also the $160 collection needs to be removed from my credit report and/ or reimbursed if I have already paid the fee.

Business

Response:

Dear Sir/Madam,

We received [redacted]'s dispute from our client on April 22nd wherein she stated the same concerns she outlines in her complaint. In response, our client provided documentation in support of the validity of the debt, which we mailed to [redacted]. As she contacted us to advise the information had not been received, we sent it a second time just a few days ago.

Due to HIPAA regulations we cannot provide that documentation herein but a summary of our client's position in this matter is as follows: The total charge for [redacted]'s visit on April 28, 2011, was $350.00. [redacted] paid $30.00 to our client on the date of service. A claim was filed to her insurance carrier and they issued a partial payment. Our client did a contractual adjustment to the balance and per the insurance carrier, [redacted] was responsible to pay a total of $150.00, as being applied to her insurance deductible. As [redacted] had paid $30.00 already, she was left owing $120.00. In accordance with our client's financial policy, which [redacted] signed, when the account was placed with us for collection a $40.00 collection fee was assessed by our client. Copies of the insurance explanation of benefits, showing the $150.00 was applied to her deductible, as well as the aforementioned financial policy were included with the documents mailed to [redacted].

Regarding [redacted]'s concerns about the unused portion of botox, the physician that treated her provided a written explanation of the treatment rendered. This document was also included in the documents mailed to [redacted] and it states as follows: The FDA approved use of the drug in the treatment of migraines is 155 units per session. [redacted] presented for treatment with a total of 200 units. 150 of the units were used and 50 were disposed of. This information can be verified by a review of her medical records. The doctor did not elaborate on the disposal of the remaining 50 units however, since botox is a live neurotoxin and can be lethal when not used properly, we presume the disposal was for safety reasons and likely required by government regulation. It may be better for [redacted] to address that specific concern directly to our client.

Finally, regarding [redacted]'s request to have the account deleted from her credit, her initial confirmed date of contact with our office was April 18, 2013. If she satisfies the debt on or before June 18, 2013 we will agree to delete the account from our credit, based on our credit reporting policy.

Please feel free to contact me should you require additional information.

Regards,

Compliance & Quality Assurance Manager

American Collections Enterprise, Inc

Review: I was reach by celluar phone from America Collection Enterprise Inc. informing my about an several delinquent medical bills dated in 2008. However, I request to mail the bill so that I can confirm. However, the company insist that thy can not produce the bill. Therefore, I shall not be obligated to pay for something I can't conifrm. Spoke with a staff member Joshua M[redacted] how refuse to verfiy the bills question, instead he respond rudley unprofessional and to top off rudly he hangs the phone up.Desired Settlement: To verify the company is not a scam and to produce documentations of the bills so that I can resolve any unpaid bills.

Business

Response:

To Whom It May Concern:No one in our office has refused to provide the consumer with a bill or otherwise told her none was available. The consumer was advised that we would send a notice which we did on August 5, 2014. The consumer claims she did not receive it however we did not receive returned mail and it was sent to an address the consumer verified as her own.The consumer was informed if she wanted copies of her bills from the original creditor she would need to submit that request in writing. She actually has several accounts here, one of which she recently paid off. To date, we have not received a written request for this information.I invite the consumer to contact me directly for further assistance. I can be reached at ###-###-#### or toll free at ###-###-####.Regards,Angela H[redacted]Compliance & Quality Assurance ManagerAmerican Collections Enterprise, Inc.

Review: The company contacted me about a debt. I replied that I would pay it but needed a moment to get to my room to get my checkbook. The reply from customer service was that maybe I should be living in a nursing home. When I asked for an itemized bill to be sent to me I was told that it had already been sent and it was not their problem if I did not know how to open my mail that had my name on it. I was also asked if I was competent enough to even know my own social security number when I asked if they wanted the whole number or the last 4 digits. The manner in which they handled my call was highly inappropriate and abusive.Desired Settlement: I would like for their employees to be reminded that the people they call are real people with feelings. Regardless of if a debt is owed it is not acceptable to belittle or verbally abuse people. I was willing to take care of the debt but no one deserves to be spoken to like that.

Business

Response:

Dear Sir/Madam,

Our response to this complaint is respectfully submitted herein.

There are multiple call-recordings for many calls received from **. [redacted] and/or her daughter-in-law on August 19, 2013. The first call was taken by [redacted] wherein she explained the debt, who it was for, how much was due, etc... After agreeing to make a payment over the phone, **. [redacted] asked [redacted] to hold on a minute while she went to her room to get her purse. Realizing that **. [redacted] was a senior citizen close to the age of 70, meaning no disrespect whatsoever, [redacted] asked "Is this a nursing home?". Without hesitation **. [redacted] replied "No Ma'm, I live with my son and daughter in law" and she proceeded to get her purse and ultimately her checkbook. Based on my review of the recording, she did not appear to take offense to the question at the time.

After initially starting to give [redacted] the information needed to process a payment over the phone, [redacted] realized **. [redacted] does her banking with a credit union. As a matter of policy we do not take credit union checks over the phone as we have encountered problems with doing so in the past. This apparently caused some confusion on the part of **. [redacted], who at one point during one of the many conversations that day, asserted that she could "bank with whoever I want to bank with". No one was questioning or commenting on her right to do so.

Regarding our request for **. [redacted]'s social security number, as a matter of policy for the purposes of identity verification, we ask all consumers to confirm their identity with the last four digits of their social. During one of the latter calls, when asked for her social, **. [redacted] asked if the representative wanted the whole thing or just the last four. The representative replied asking if **. [redacted] knew her full social, at which point **. [redacted] replied yes and gave the number. Again, at the time there was no indication that **. [redacted] had taken offense to the question.

In conclusion, all of the call recordings associated with this matter were reviewed and it appears to be one of simple miscommunication and misinterpretation. Our questions, statements and responses were not and are never intended to offend or be disrespectful to anyone. Certain questions are asked in order to protect the privacy of the consumer owing the debt, such as with the identification process. Others are asked in an effort to ascertain if we are reaching the person at an appropriate place or time, as with the question of [redacted] having thought she had possibly reached a nursing home.

If **. [redacted] was offended by any of these statements or questions, it was not our intention and we offer an apology for any miscommunication or misunderstanding that may have occurred. As a courtesy and pursuant to her verbal request during one of the conversations, we are mailing **. [redacted] a copy of her bill. We would normally require this request to be in writing however I have made an exception in her case. Please inform her the information will arrive in a plain, white envelope with no identifying information on the outside as required by federal law. We point this out only because we do not want the information to be mistaken for "junk mail" and be discarded.

Thank you for your time and consideration. Please do not hesitate to contact me with any further questions or concerns.

Regards,

Compliance & Quality Assurance Manager

American Collections Enterprise, Inc.

Review: I received a phone call on sept. 19, 2014 about 12: 24 pm which I happened to answer. I confirmed my name via automated msg and was connected to another number where a man named Manny C[redacted] answered. He responded he was calling from ACI, after I asked him what it was about. I confirmed my name and he wanted me to confirm my last digits of social, which I refused to do. I told him I habitually do not give out any personal info to anyone I do not know. He wanted my address. I confirmed the street address he gave me and offered my zip but his tone and attitude were harassing in nature when I said I can confirm any info he gives me but cannot volunteer info to anyone I do not know, including my house address. I told he he was harassing me and said I did not appreciate his tone and would hang up if he continued in that manner ad asked he can mail me the info and we could take it up from there since he already has my address. I feel very harrssed at his tone and manner and would like to report this complaint. I have no way of reaching anyone directly at ###-###-#### either to find out what the matter is about. I'd like to know, especially if my credit is at issue but feel threatened by Manny C[redacted].

sincerely,Desired Settlement: Mail me the information and I will contact you. and please do not threaten me over the phone, especially a man threatening a woman is unconscionable in this day and age.

Business

Response:

Dear Sir/Madam,I reviewed our recording of the conversation between our representative Manny C[redacted] and [redacted]. While I can certainly understand [redacted]' reluctance to provide her personal identifying information over the phone, it is nevertheless our policy to verify the identity of the person to whom we are speaking to insure they are indeed the consumer we are trying to contact. [redacted]' refusal to verify any information essentially resulted in a "catch-22". We could not provide additional information with verifying we had reached the correct party and [redacted] would not verify any one of three pieces of information we can accept for that purpose.I invite [redacted] to contact me directly for further assistance. She may reach me toll free at ###-###-####.Regards,Angela H[redacted]Compliance & Quality Assurance ManagerAmerican Collections Enterprise, Inc.

Consumer

Response:

[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.]

I have reviewed the response made by the business in reference to complaint ID [redacted]. I called the manager who responded and spoke with her to get the information I needed to look into this matter. I called the business who had initiated the matter and left a message for Rosemary at the facility. As soon as I hear from the facility who can hopefully shed further light on this matter, I will follow through.My concern always will be for the protection of my records, which is basically common sense in this day of identity theft. I understand ACEI's concern but that doesn't help me as a consumer to make a wise decision when it comes to my records. I suggest they mail customers the information so we are not caught off guard and subject to harassment in he future. I am happ to work with anyone on any matter that affects me.The manager mentioned a catch 22 sitaution. Conversely, the situation also applies to me as I have a strange number calling my house and asking for personal info. They expect me to trust them but they do not trust me. haha So hope Revdex.com can help facilitate this issue on behalf of consumers like me. Thanks Revdex.com for facilitating this matter. Appreciate it much and please let Angela Hartman know I have left messages and am following through.

Regards,

Review: I received a call on April 23, 2014 regarding two bills that were in collection from a former hospital [redacted]. I spoke to [redacted] from American Collections Enterprise, Inc. who told me about the two bills. I went back through my bank statements and found two dates which matched up with the dates that he gave me and called him back. [redacted] was going over the amounts and had to put me on hold several times because whoever entered in the amounts of bills that were already paid, did so incorrectly, (his words, not mine). He was swearing on the line, and using foul and offensive language and was getting quite upset about the computer and had to put me on hold several more times to try to "find" the right records. I asked to speak to a manager because he was getting agitated and was not answering my questions. I was transferred to a "manager" who again, was extremely rude and was not willing to listen to what the problem was. She kept talking over me, refused to listen to the problem and just said "you owe $50, how are you going to pay for that?" I refused to sit on the line and listen to her any longer, because she refused to listen to me and go through date by date to see what has been and has not been paid. I am refusing to pay for something that I've already paid for, and to pay for something that they do not CLEARLY explain.Desired Settlement: I want a DETAILED listing of everything that has been paid, if they can supply it. [redacted] admitted that whoever entered the information into the computer had done so incorrectly and things were not where they were supposed to be. Secondly, I want the gentlemen that we talked to, to apologize and realize that he works in customer service and that if he is going to swear at customers, get agitated and act in an unprofessional way then maybe he should consider a career change. Lastly, for the "manager" to also understand that she works in customer service and that they aren't going to be able to settle any matters with customers when they all take on a "bully approach".

Business

Response:

Dear Sir/Madam,

Regarding this complaint, I reviewed the call recordings related to this incident and determined the matter could have been handled differently and more appropriately than what it was.

That having seen said, I personally reached out to [redacted] yesterday and resolved the matter to the mutual satisfaction of all concerned parties.

Please feel free to contact me should you have any questions or concerns.

Regards,

Compliance & Quality Assurance Manager

American Collections Enterprise, Inc

Review: I telephoned then on or prior to March 24, 2014 in which I stated to them I had paid by bill to [redacted] MRI in full on April 26, 2013 and provided them with the receipt. I was told I still owed fees in the amount of $22.50 although my bill was paid to [redacted] MRI directly. I sent them a [redacted] Money Order [redacted] with a payment of $22.50. Today, April 23, 2014 when I telephoned them to find out why I had not received a receipt stating that my bill was paid in full I was told by a rude nasty female that she never told me I owed $22.50 and that I still have an outstanding balance of $10.00. When I questioned her reasoning she was upset with me because I asked why the additoinal $10.00 and she still did not say why. I tried to remain calm until she became defensive and rude. I hung up and called back and the male receptionist who answered the phone (whom I told please connect me with her Supervisor still returned me to the obnoxious raucous woman). I requested speaking to her boss and she told me the "CEO does not take calls and I was the only person that she could talk to. She threatened me by stating if I don't let her talk, she would make it so that when I called back - no one would take my call. To that I called her an expletive and hung up the telephone and immediately wrote you. I am mailing an additional money order totalling $10.00, along with a stamped self - addressed envelope, along with the a copy of my previous $22.50 money order along with a bill from [redacted] MRI that indicates my $0.00 balance. This company should not be allowed to perform collection operations.Desired Settlement: I want a receipt stating my bill has been paid in full and a full itemization of what the additional fees include, inclusive of the $22.50 that I was told I owed on or before March 24, 2014.

I also need in my letter showing/indicating a $0.00 balance to American Collection.

Business

Response:

Dear [redacted]:I have reviewed the complaint that was submitted to the Revdex.com on 04/23/14 by the consumer in question.First, I will attempt to clarify the previous outstanding balance of 97.50 for medical services rendered to the patient by, our client, [redacted] on 03/14/2012.The original balance after insurance payment and contractual writeoffs totaled $75.00. Since there was no payment made to our client, they added a $22.50 late fee and referred the account to us.Upon contacting their patient we were told that she had paid $75.00 directly to our client. Furthermore, the patient stated the balance we provided was in error. We took the information and contacted our client.It appears the patient paid $65.00 not $75.00 leaving a balance of $32.50. On 04/15/14 the patient paid $22.50 directly to our client leaving a $10.00 balance. This is where the confusion set in because the patient still felt they had paid $75.00 not $65.00.On 04/25/14 we received a final payment of 10.00; the account is now paid in full.Following my review of the notes on the account I was able to determine that the contacts between the patient and our staff were not entirely pleasant. Unfortunately, We were not in a position to convey to the patient what they wanted to hear. When the patient resorted to profanity as a means of communication we had no option but to terminate the final conversation.I would like to extend an invitation to the consumer to contact me directly to provide additional information regarding her experience with our staff. My direct line is ###-###-####.Sincerely,General Manager

Review: I contacted American Collections via phone on Thursday, March 27, 2014 in regards to the account that went into collections on my credit report, with a balance of $437, back in 2010, and my father, who was responsible for my medical payments, as a result of a divorce judgment, neglected to pay their medical client, resulting in this debt being placed in my name. When I contacted them, my rep informed me that they sent notice to my former address and did not have my new address on file. She changed my address during this phone call. I found out that I owed the balance (not due to my own negligence, being that I was a child at the time this debt was initiated) to this company by checking my credit report, where I found their contact information. I do understand that this account went in to collections in 2010, and though they sent this information to me, it was sent to the wrong address, but I was unaware of it just recently. I called to resolve this matter, as soon as I was able to pay the amount, only a few days later. I never gave them a hard time about paying the balance, because I knew that if I owed it, it would need to be paid. For this reason, I am asked that they delete this collection from my credit report upon processing the payment of my $437 balance, which I took care of via credit card. I didn't negotiate a lower amount, I PAID THE FULL BALANCE. Had I known, I definitely would have taken care of this sooner. I was then told to contact compliance via email. I explained the situation, only to be denied the deletion, because they claim to have talked to me in august of 2013. I have never talked to this company about a balance. EVER. I am in my early 20's, and my credit is damaged because of a careless mistake of my father, whom I have no control over, which is not their issue, but AS SOON as I found out, I made efforts to clear up this debt. I was not informed of this debt, due to them having the wrong contact information for me, and once I did learn of it, and pay it off, they still won't agree to remove it from my credit report. What satisfaction does a company like this get out of situations like this? YOU NEVER SPOKE TO ME ABOUT THIS ACCOUNT.Desired Settlement: Deletion of this item from my credit report.

Business

Response:

Dear Sir/Madam,

I have completed a thorough review of this account and was able to confirm that not only did we speak with **. [redacted] on August 22, 2013, we also spoke with her on December 2, 2013.

During the conversation of August 22nd, **. [redacted] verified her identity by the last four digits of her SSN, provided us with her then-current address, place of employment and authorization to contact her on her cell phone. She indicated she wanted to pay with a check over the phone but needed to call her bank for their ACH routing information. She said she would call us back but never did.

Our policy of credit reporting allows a 60 day grace period between the time we receive the account and the time it is credit reported and if paid or settled within that time period it does not get reported. However, once reported we have a strict, no-deletion policy.

The exception we will make in our policy is a situation wherein the consumer is not aware the account is in collections and/or on their credit and there is no evidence to support they were aware of either situation. Under these circumstances, we will allow the consumer 60 days from the initial date of contact to satisfy the account and grant deletion from their credit.

Had **. [redacted] satisfied this debt on or before October 22, 2013, 60 days from her initial contact date of August 22, 2013, we would have been able to grant her request. Unfortunately as she waited until just last week to pay, there is nothing we can do beyond updating her credit to show a paid in full status with a zero balance.

Finally, I would respectfully point out that **. [redacted] was three days past her 19th birthday when this debt was incurred on September 7, 2010, legally an adult and responsible for her own debts, not a "child" as she indicates in her complaint.

Please do not hesitate to contact the undersigned should you require additional information.

Regards,

Compliance & Quality Assurance Manager

American Collections Enterprise, Inc

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

Review: They are showing up on my credit report for the amount of $307.00 under my maiden name [redacted]. I have no idea what this is for.Desired Settlement: I would like an explanation/breakdown of charges. Where the debt originated from and in what amount. The amount of late fee's etc.

Business

Response:

Dear Sir/Madam,

[redacted] has a total of three accounts with our agency. She contacted us on September 7, 2011 and arranged to pay off two of the three accounts using her credit or debit card. Additionally, she authorized a second payment to be processed on October 14, 2011. The second payment would have paid off the account which is the subject of her complaint. When we attempted to process the second payment, the transaction was declined. We made multiple yet unsuccessful attempts to contact her to advise her of this. She failed to return our calls.

That having been stated, we are more than happy to provide [redacted] with a copy of her bill. We have requested this information from our client and will mail it to her upon receipt.

Please feel free to contact me should you have any questions.

Regards,

Compliance & Quality Assurance Manager

American Collection Enterprise, Inc.

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

Would there be any way to fax or email me a copy of the bill in order for me to receive it faster? Upon receipt of payment would this be deleted from my credit score?

Regards,

Business

Response:

Dear Sir/Madam,

For security and compliance reasons, we do not fax or email itemized statements as they contain personal and confidential information.

Regarding [redacted]'s credit report, within 30 days of receipt of payment in full, her credit will be updated accordingly. Pursuant to our standard policy and prior contact with [redacted], the account does not qualify to be deleted from her credit.

Respectfully,

Compliance & Quality Assurance Manager

American Collections Enterprise, Inc.

Review: American Collection Enterprises [redacted]xx, [redacted]xx, [redacted]xx, [redacted]xx, and [redacted]xx. I have never received credit or applied for any from this company and I requested validation 45 days ago and 90 days ago from ACE to which they sent me a computer printout that I dont believe is mine. remove these accounts right away and if the debt is valid (which it isnt) ACE can use a Maryland Court to pursue debt collecting. In addition I was never notified by ACE that these accounts were being added to my credit file (violation) and several of them have cost me thousands in interest and denial because they listed up to 5 times (violation). if ACE does not want to remove them I will gladly consult with an attorney. I tried to buy a house not too long ago and they denied me because of these inaccurate accounts with ACE. I keep records of everything I do and all important documents and I cannot find anything showing that I opened these accounts. I asked ACE to show me proof of these accounts 45 days ago and 90 days ago and all they sent me was a computer printout which again I dont believe is mine. they never proved to me that I opened these accounts. These accounts have kept me from moving into a home and giving my children a stable environment to live in. These accounts are completely inaccurate and those inaccuracies should not be showing on my credit report. I disputed them on my credit report and even hired a company to help me but there still there. This has resulted in many issues for myself and my family. ive been denied credit numerous times, my privacy has been invaded, ive experienced emotional distress and it has cost me alot of money.Desired Settlement: I consider this defamation and I want these removed from all 3 credit bureaus.

Business

Response:

Dear Sir/Madam,

Our response to this consumer's complaint is respectfully submitted herein.

**. [redacted] has a total of eleven separate debts in our office. They were placed with us between April 2009 and December 2012. We have sent multiple letters and left multiple phone messages for him, none of which he responded to. He did make a partial payment toward one of them in 2012 and he did call our office on April 1, 2013. He indicated at that time that he had applied for financial hardship with our client and that he would call us back in that regard.

When we had not heard from him by April 17th we called his cell phone, the same phone he had previously used to call our office, and reached him however he refused to cooperate with our identification verification process, told us never to call him again and hung up. In accordance with federal law, we are required to honor his request for no more phone calls and his phone numbers were removed from the accounts.

On April 18th we received a generically worded, boiler-plate letter requesting debt validation and that information was mailed to **. [redacted]. Meanwhile, we processed disputes he submitted directly to Equifax and Experian credit bureaus. On May 23rd we received another generically worded, boiler-plate letter wherein he claimed we had "failed" to provide the requested debt validation and he demanded credit deletion. We did not reply as we are not required by law to do so once we have provided the requested information. Meanwhile, he continued to submit disputes to Equifax which we processed and replied to accordingly. He continues to do so into this month as we just replied to one about three weeks ago.

On July 22nd he sent yet another letter threatening various actions, including the filing of this complaint, due to our alleged failure to provide debt validation. Further to that, he also requested that we cease all communication with him.

It would appear **. [redacted] is fixated on having these accounts, just debts that he owes, deleted from his credit with no intention of honoring his financial obligation to our client. If he truly did not believe they are his debts, why did he make a partial payment to our client? Why would he need to apply for financial hardship for something that doesn't belong to him?

In conclusion, we are willing to work with **. [redacted] to resolve the debts and answer any questions he may have. However, due to his requested communication restrictions we are no longer in a position to reach out to him to do so. If he wishes to discuss any of this further, he is welcome to contact me directly.

Regards,

Compliance & Quality Assurance Manager

American Collections Enterprise, Inc

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

When I spoke with this company about these debts I told them that I had no idea why these debts were on my credit report and that I didn't believe they were mine but was hoping they could prove to me in some way they were. They not only couldn't or wouldn't do that but they threatened me by saying that if I did not pay the debts I could be thrown in jail and at the very least I had to make a partial payment to keep this from happening.. At that point I was very scared and I had no idea that not only were they lying to me about being thrown in jail but that it was their responsibility to prove that those debts were mine. II told the woman on the phone that I thought the debts were placed in my name from someone else acting as me but she said to me that either way they were my responsibility because they were in my name and I needed to pay her. As far as the conversation between us about financial hardships goes like I mentioned before I was so scared that even though I didnt believe this debt was mine I could still be thrown in jail if I didn't pay her so I asked about that. I took a stand against this company just recently that is trying to take advatage of me and I have written letters to them on 3 occasions asking them to prove to me that these debts are valid and are in fact mine. They have shown no proof at all that these are my debts and continue to leave these bad debts on my credit report which has prevented me from buying a house. This company used scare tactics and threatening phone calls in order to try and get what they want and have not only pushed me into a corner like a bully does but they have ruined my credit to the point where I cannot put a stable roof over my children's heads. I am fed up with their bullying and failure to show proof that these are really mine. So I would ask the company this "If these are in fact my debts then why cant you show me a signature of mine on any paperwork or a copy of my license?" Because if they are mine those wouldn't be hard to come by.

Regards,

Business

Response:

Dear Sir/Madam,

All accusations as stated by **. [redacted] in his rejection are false and denied in their entirety by our agency. During the one and only telephone conversation we had with **. [redacted], he indicated he was applying or had applied for financial assistance. He did not deny the debts we are handling were his and no one from our office told him he would go to jail if he did not pay.

We stand behind our original response in this matter and remain willing to assist **. [redacted] as offered in that response. He is welcome to contact me directly at his convenience.

Regards,

Compliance & Quality Assurance Manager

American Collections Enterprise, Inc.

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

Once again American collection enterprises has been unwilling to show that my signature is on anything or even a copy of my photo id. You have absolutely no proof these debts are mine, you absolutely did threaten me with jail time and you guys are absolute liars and theives and I'm sick of you. Remove my debt or prove to me their mine. I'm done playing your games I will not let this go. You guys are obviously stalling hoping that I do not respond and hoping that I go away but that will not happen. You will remove these debts immediately or I will make sure everybody knows that american collection enterprises is a shady business that bullies people into paying debts that aren't theirs.

Regards,

Review: I've paid this company in full, they still report to my credit reports that I owe them the full balance. Payment was made on 2/28/2013. They are also reporting who my medical service provider is to my credit reports which is in violation of HIPPADesired Settlement: Remove all information from credit reports.

Business

Response:

From: [redacted]

Date: Mon, Apr 8, 2013 at 12:15 PM

Subject: RE: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania complaint #[redacted].

To: [email protected]

To Whom It May Concern:

I have attempted three times to respond using your website however something is wrong and while it will open the email program it is not allowing me to type anything in the response field. Accordingly our response to this complaint is respectfully submitted herein:

[redacted]’s account was placed with us for collection on February 5, 2010. Our policy of credit reporting allows a 60-day grace period from the time we receive an account until the time it is credit-reported. If the balance is satisfied within that time we do not report it, however, once reported we have a very strict no-deletion policy. Said policy is in accordance with all applicable laws as well as adhering to the terms and conditions of our contract with the three major credit-reporting agencies.

The exception we will make to the policy is a situation wherein the consumer is not aware the account is in collections and/or on their credit and there is no evidence on the account to support their awareness of either situation. In such a situation, we would grant the “benefit of doubt” to a consumer who contacts us “out of the blue” or disputes the account directly with a credit bureau for the first time. We would allow them 60 days from whatever that date happens to be and if they satisfy the debt within that period of time we will agree to delete the account from their credit. Evidence of their awareness would include but not be limited to a dispute filed directly with one or more of the three major credit-reporting agencies or contact with the consumer, either by phone or in writing.

In [redacted]’s case, we spoke with her on the phone on April 20, 2010. She indicated at that time she was unable to pay due to having a one year old child and other bills. Subsequent to that, on April 1, 2011, we processed a dispute filed directly with [redacted] credit bureau. Subsequent even to that, we received a certified letter from [redacted] on March 12, 2012, indicating she would only agree to pay if we would agree to delete the account from her credit. As our policy would not allow for deletion under the circumstances we did not respond to her letter. We did not hear from her again until February 27, 2013, when she made her payment.

In conclusion, we are not in a position to grant [redacted]’s request. Thank you for your time and attention to our response. Please do not hesitate to contact the undersigned should you have any questions.

Regards,

Compliance & Quality Assurance Manager

American Collections Enterprise, Inc.

"Collecting the Past, Managing the Present, Building the Future"

H.I.P.A.A. – F.D.C.P.A. and F.C.R.A. CONFIDENTIALITY DISCLOSURE STATEMENT

ACEI is an unprofessional collection agency. Their representative was intimidating and discourteous that displayed an attitude with prejudice. The representative was accusatory about a medical bill he claimed was left unpaid. I mentioned that neither I nor my health insurance ever received any bill or invoice from the medical provider they represented. I need more details about the $851.23 bill they demanded I pay. Again they mentioned that I owed the provider that amount of money. I immediately replied that he should not assume I am delinquent when I never received an invoice particularly one that involves such a huge amount. I have never owed any of my medical providers. I then requested that they send me a detailed list of charges for me to check this out and validate with the medical provider. They passed my call from one person to the next. Instead of just helping me out with my request and assuring some action to send me the invoice, the next representative directed me to put my writing in request. I told the representative that I was very unhappy with their service.

Review: I am 18 years old and just graduated high school. I am attending college in the fall and I applied for a credit card for book and supplies I would need. I did this to start to build a good credit history. I got a letter from the credit card company declining my application. It gave me a number to Experian creit agency, which I called and filed a complaint immediately. I called the collection company and I was told the debt was originated in 2008....when I was 13 years old. I sent them a copy of my drivers permit along with my picture state ID to prove this could not have been me. I want this removed from my credit report IMMEDIATELY!!!! My score is 554 because of this and I am furious that a company could put a collection on a kid who is 13 years old. I am the only one in the house named [redacted], and I feel this should be very easy to correct, but as it stands, I cannot obtain a credit card for my college books and supplies. Could anyone please help me? Thanks you for your time.Desired Settlement: Remove false collection data from my credit report and restore my credit score.

Business

Response:

Dear Sir/Madam,

I believe there has been a misunderstanding here that can be easily rectified. Although we are not in receipt of any of the noted information **. [redacted] says he has sent to us, that information may in fact not be needed for resolution.

**. [redacted], along with his father, contacted our office on July 8th. That call should have been directed to my attention but it wasn't. Please ask **. [redacted] to contact me personally for further assistance. He may reach me directly at ###-###-#### or toll-free at ###-###-####. My apologies for any inconvenience that may have occurred as a result of the previous call not having been directed to my attention.

Regards,

Compliance & Quality Assurance Manager

American Collections Enterprise, Inc

Review: This company is trying to collect money for a hospital bill that is not mine. I was not the patient and they have nothing signed stating that I am/was responsible for the bill. This is not the first time this has happened because [redacted] Hospital keeps sending me someone else's bill because they have the same last name. I tried numerous times to contact this company to request that this item be taken off my credit file but they refuse to cooperate or to send me adequate documentation regarding the bill. Initially, I received a bill from them yet the bill was addressed to me but clearly showed that I wasn't the patient. I have since misplaced that bill so I have asked them to send it to me again so I can send it in to the credit bureaus but they never responded to my request or returned my call.Desired Settlement: Correct billing information and remove item from all my credit reports.

Business

Response:

Dear Sir/Madam,

We have no record of this consumer having contacted us and there is insufficient information in her complaint to positively identify the associated account(s).

Please ask her to contact me directly for further assistance at ###-###-####.

Regards, [redacted]

Compliance & Quality Assurance Manager

American Collections Enterprise, Inc.

Review: continue with harassing phone calls

Business

Response:

From: [redacted]

Date: Thu, Apr 18, 2013 at 10:15 AM

Subject: RE: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania complaint #[redacted]

To: [email protected]

Dear Sir/Madam,

I continue to be unable to respond to any complaints received via your email response process. Therefore, our response to the referenced complaint is respectfully submitted herein:

We have more than one consumer listed in our database with the same name as the complainant. None of the accounts have a matching address or phone number as provided in the complaint. I was able to locate the phone number on an account with the same last name but different first name and have flagged it as a bad number. Presuming the “correct” account was located and phone calls are the only concern, this should fix the issue. Please note we have no record of anyone ever having called our office to request the calls to stop. It seems somewhat unfair of the complainant to not have even attempted to contact us first, again presuming the “correct” account was located.

Please provide my contact information to the complainant for future reference. I would respectfully ask that they contact us first and allow us to address any additional concerns that may arise before filing a complaint with the Revdex.com.

Thank you for your time and attention to our response.

Regards,

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

I need more than 10 days to be able to verify that the constant harassing phone calls and voice mails left at the phone number have stopped.

Regards,

Business

Response:

Dear Sir/Madam,

As our original response to this complaint did not include any time frame or reference a 10 day limit on anything I'm not sure what is expected of our office at this point.

I would be more than happy to respond to specific concerns the complainant may still have but the purpose of or meaning behind her rejection of our response is unclear.

Regards,

Compliance & Quality Assurance Manager

American Collections Enterprise, Inc.