Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
Thank you for bringing Mr. [redacted]'s additional concerns regarding complaint 10 [redacted] to my attention.Under the Fair Debt Collection Practices Act (FDCPA), information regarding a debt may not be disclosed toany third parties without the prior consent of the consumer given directly to t he debt collection. [1) However,Americollect, Inc. may disclose information regarding the underlying debt to respond to complaint allegations.[2J This communication is not made with a view toward collecting the debt. Th is communication serves asAmericollect, Inco's timely response to Mr. [redacted]'s concerns.We sent Mr. [redacted] the validation notice on 01/08/2015, which we also attached to our previous response, aswell as two itemized statements on 03/26/2015 and 04/03/2015. If Mr. [redacted] is not receivin g our mailings,he may want to speak with his local post office as the address we have been sending the information to is thesame address Mr. [redacted] has provided in all of his correspondences regarding this matter.On 04/08/2015, our Customer Service Department req uested additional inform ation regarding this accountfrom our client, [redacted]. Our client has provided additional information in the form of apatient agreement bearing Mr. [redacted]'s signature, a copy of Mr. [redacted]'s driver's license, and a copy of hisinsurance card. As a courtesy, I have resent the itemized statement along with the additional information tothe address we have on file and, subsequently, the address Mr. [redacted] has provided several times. AlthoughAmericollect is not responsible to verify Mr. [redacted]'s receipt of these statement s, we have sent t hisinformation via certified mail.Due to the frustration caused to Mr. [redacted], once the account is paid in full, Americollect will request that thethree major Credit Bureaus (Equifax, TransUnion and Experian) remove the accounts from his credit history.As is evident by our rapid and thorough response to your office, and subsequently Mr. [redacted], Americollecttakes complaints very seriously. We also take great pride in treating consumers with the respect andprofessionalism they deserve. If Mr. [redacted] has any further questions about his account listed here, pleasecontact our office between the central time hours of 7am to 9pm Monday - Friday or between the centraltime hours of 8am to 5pm, Saturdays.Thank you again for bringing this to our attention and allowing me to respond.
Review: Recently I received a collection notice with Americollect for 3 diffenrent account numbers 1 dated back to 2011 for an injury that my husband encountered at work, no bill was ever received . There is usually a cap on workers comp claims, so trying at this point to get charges paid are slim to none. This document also included 2 other charges for which we never received any documents until now these are dated back to 2012, but Americollect has added this to our credit report in 2012 but we have never been notified I find this to be ridiculous and am hoping for some kind of resolution.Desired Settlement: I am requesting a billing adjustment and also credit to our credit report
Business
Response:
Thank you for bringing complaint 10 #1082 1062 by Mr. [redacted] to my attention. Under the Fair Debt CollectionPractices Act (FDCPA), information regarding a debt may not be disclosed to any third parties without the prior consentof the consumer given directly to the debt collection. [IJ However, Americollect, Inc. may disclose informationregard ing the underlying debt to respond to complaint allegat ions. (2J This communication is not made with a viewtoward collecting the debt. This communication serves as Americollect, rnc:s timely response to Mr. [redacted]'s concerns.r apologize for any confusion. On 08/24/2012, 10/29/2012 and 11/27/2012, Americollect received accounts for Mr.[redacted] from [redacted] of the Fox Valley (Account #[redacted], #[redacted] and #[redacted]). We sent notices tothe address on file per our client's records and, subsequently, the address provided on this complaint. We did notreceive a mail return indicating we had an incorrect mailing address.On 06/03/2015, Mr. [redacted] contacted our office and stated that his wife had paid the account and has the proof ofpayment to supply to our office. To date, we have not received any type of confirmation that the accounts listed in ouroffice have been paid in ful l. On 08/ 11/ 2015, Mr. [redacted] contacted our office again stating that he would likesomething sent in the mail regarding these accounts as he was sure the accounts listed have been paid in fuJi, but alsostated that if the accounts were not paid in full that he would pay them. We sent a statement on 08/12/2015.On 09/10/2015, Mr. [redacted]'s wife contacted our office and stated that she is concerned about the accounts in ouroffice as she had never received bills for them. She requested an itemized statement showing what services wererendered. That day, we sent an itemized statement showing the services re ndered. On 09/15/2015, Mrs. [redacted]contacted our office after receiving the itemized statements. She stated that one of the accounts listed in our office isfrom a work injury, however, she did not have the Workman's Compensation information available. If either Mr.[redacted] or Mrs. [redacted] can provide our office with the Workman's Compensation Insurance information, our Insu ranceDepartment can submit a claim to the Workman's Compensation carrier. We have updated the accounts as disputedwith the three major Credit Bureaus. If Mr. or Mrs. [redacted] no longer dispute the accounts listed in our office, they cancontact our office with that information.As is evident by our rapid and thorough response to your office, and subsequently Mr. [redacted], Americollect takescomplaints very se riously. We also take great pride in trea ting consumers with the respect and professionalism theydeserve. If Mr. [redacted] has any further questions, he is able to contact our office between the central time hours of 7amto 9pm Monday - Friday or between the central time hours of 5am to 5pm, Saturdays.
Consumer
Response:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Review: I asked that my name be removed from the bill. The bill was incurred in my husband's name before sending to this agency. I would like the bill to come in his name only. I as his legal wife will help with the payment of the bill. My name does not have to be on this bill for it to get paid.Desired Settlement: I would like the bill to come in his name only.
Business
Response:
Thank you for bringing the additional comments for complaint ID #[redacted] by Ms. [redacted] to my attention. Under
the Fair Debt Collection Practices Act (FDCPA), information regarding a debt may not be disclosed to any third parties
without the prior consent of the consumer given directly to the debt collection. [1) However, Americollect, Inc. may
disclose information regarding the underlying debt to respond to complaint allegations. I2l This communication is not
made with a view toward collecting the debt. This communication serves as Americollect, In c.'s timely response to Ms.
[redacted]'s concerns.
Please find the enclosed listing of accounts showing the owed balances listed in Americollect's office. [redacted] listed the accounts on 02/28/2014. On 05/15/2014, Americollect received a letter from Ms. [redacted] stating that she would like her name removed from the accounts in our office. On 05/16/2014, we received a phone communication
from Ms. [redacted] requesting that her name be removed from the accounts in our office.
Under Wisconsin state law, an obligation incurred by a spouse during marriage, including one attributable to an act or
omission during marriage, is presumed to be incurred in the interest of the marriage or the family. Wis. Stat. Ann. §
766.55 (i), thus Ms. [redacted] is duly responsible for the medical debt incurred by her husband for his care.
In addition to the above Wisconsin statute, Wisconsin is a state that recognizes the Doctrine of Necessaries l aw. This
Doctrine states the provider of the necessary services or goods must show:
1. The services or goods were provided to the spouse;
2. The services or goods were necessary for the health and well-being of the receiving spouse;
3. The person against whom the action is brought was married to the person to whom the necessary services or
goods were provided at the time such services were provided; and
4. The payment for the necessaries has not been made.
The accounts in question are for medical bills incurred for Mr. [redacted], Ms. [redacted]'s husband; the services provided
would have been needed for the health and well being of Mr. [redacted]; Mr. and Mrs. [redacted] were married at the time of
the date of services.
As is evident by our rapid and thorough response to your office, and subsequently Ms. [redacted], Americollect takes
complaints very se riously. We also take great pride in treating consumers with the respect and professionalism they
deserve. I apologize for any confusion we may have caused Ms. [redacted], if she has any further questions about the
accounts listed here, please contact our office between the central time hours of 7am to 9pm, Monday - Friday or
between the central time hours of 8am to 5pm, Saturdays.
Thank you again for bringing this to our attention and allowing me to respond.
Review: I have been receiving phone calls from AmeriCollect in the [redacted] location about a radiology bill that is resolved through [redacted]. I phoned Memorial Hospital and the informed me that they did bill [redacted] and I do not have any outstanding bills. AmeriCollect of [redacted] continues to call me even though the bill is resolved. The hospital suggested I ask them to take me off their list. I phoned Americollect back at the number that they called from, a seven one nine number, and I spoke with a senior collector and she stated that while she would take me off the calling list, she would not clear my name from her data base, even though I do not owe any money and I do not have any outstanding radiology bill. They are causing me emotional distress with harassing phone calls and they refuse to fix the bill to reflect accurately that I do not owe them or the hospital any money. I called the hospital and they confirmed that I do not owe any money. I informed Americollect of [redacted] of this information and they refuse to update their information on me accurately. Therefore they are causing further damage to me and my credit score if this is in fact being reported on my credit report. I want Americollect to take this false information out of their database so that my credit report will be accurateDesired Settlement: I want Americollect to stop contacting me and also to remove my name and this false bill from their system so that my credit report will be accurate and up to date. I want Americollect to issue an apology for causing my distress over a bill that is not real. Thank you.
Business
Response:
Thank you for bringing complaint ID#[redacted] by Ms. [redacted] to my attention. Under the Fair DebtCollection Practices Act (FOCPA), information regarding a debt may not be disclosed to any third partieswithout the prior consent of the consumer given directly to the debt collection. [1] However, Americollect,Inc. may disclose information regarding the underlying debt to respond to complaint allegations. [2] Thiscommunication is not made with a view toward collecting the debt. This communication serves asAmericoliect, Inc.'s timely response to Ms. [redacted]'s concerns.I sincerely apologize for any frustration or confusion caused by Americollect to Ms. [redacted]. On 06/18/2014,Americollect received two accounts (Account #[redacted] and #[redacted]) from [redacted]in the amount of $255.00. The accounts listed in our office are for radiology services performed on12/ 30/ 2013 at [redacted] and would have been separate from any hospital or physician billsincurred that same day.We have sent an itemized statement to the address provided by Ms. [redacted] on this complaint. It will arrivein an unmarked envelope with [redacted] as the return address. Please allow 5-7business days to receive the statement. Per Ms. [redacted]'s request, we have marked her account as a ceaseand desist and updated her accounts as disputed with the three major Credit Bureaus (Equifax, TransUnionand Experian).As is evident by our rapid and thorough response to your office, and subsequently Ms. [redacted], Americollecttakes complaints very seriously. We also take great pride in treating consumers with the respect andprofessionalism they deserve. If Ms. [redacted] has any further questions about her account listed here, pleasecontact our office between the central time hours of 7am to 9pm Monday - Friday or between the centraltime hours of 8am to 5pm, Saturdays.Thank you again for bringing this to our attention and allowing me to respond.
Review: I received a collection notice from this company in the amount of $9,233 on behalf of [redacted]. But when I called [redacted], they said the amount they sent to Americollect was only $250.
Business
Response:
Thank you for bringing complaint [redacted] by Mr. [redacted] to my attention. Under the Fair Debt CollectionPractices Act (FDCPA), information regarding a debt may not be disclosed to any third parties without the priorconsent of the consumer given directly to the debt collection. [1] However, Americollect, Inc. may discloseinformation regarding the underlying debt to respond to complaint allegations. [2] This communication is notmade with a view toward collecting the debt. This communication serves as Americollect, Inc:s timelyresponse to Mr. [redacted]'s concerns.I sincerely apologize for any confusion caused to Mr. [redacted]. On 04/01/2015, an account listed in our office forMr. [redacted] from [redacted] (Account #[redacted]) in the amount of $10,872.03. On 04/ 02/ 2015, wewere made aware of an insurance adjustment in the amount of $1,638.29 and an insurance payment in theamount of $9,033.74. The insurance adjustment was immediately adjusted from the original amount of$10,872.03, however, the insurance payment was not applied to the account until 04/ 03/ 2015. Due to theprocessing delay for the insurance payment, a notice in the amount of $9,233.74 was sent to Mr. [redacted] on04/03/2015, before the payment had been posted to his account.We have sent an itemized statement which will show the services rendered for this account and a transactionhistory showing the payment and adjustment made to the account to the address on file per our client'srecords and, subsequently, the address provided by Mr. [redacted] on this complaint. The amount currently listedin our office is $200.00. The account has not been listed with the three major Credit Bureaus (Equifax,TransUnion and Experian), however, it will be listed with the Credit Bureaus on 08/10/2015 unless it is paid infull before that time. Again, I sincerely apologize for any inconvenience this has caused to Mr. [redacted].As is evident by our rapid and thorough response to your office, and subsequently Mr. [redacted], Americollecttakes complaints very seriously. We also take great pride in treating consumers with the respect andprofessionalism they deserve. If Mr. [redacted] has any further questions about his account listed here, pleasecontact our office between the central time hours of 7am to 9pm Monday - Friday or between the centraltime hours of 8am to Spm, Saturdays.Thank you again for bringing this to our attention and allowing me to respond.
Review: Americollect, Inc. has been attempting to collect a debt with [redacted] that was not supposed to be sent to collections to begin with. They were not abiding by my written requests for debt validation and/or stopping any further communication that were submitted via FAX, email, and paper mail. Furthermore, one of their agents contacted me at 10:30pm in an attempt to collect the debt, which is a violation of Fair Debt Collection Practices Act. A complaint was filed with Revdex.com to resolve the issue about a month ago. The company responded by stating the the debt was erased from their records and they will cease contacting me. Yesterday, I received another debt collection letter in the mail.Desired Settlement: I want them to stop contacting me, sending me mail, and erase their debt from their records.
Business
Response:
Thank you for bringing complaint ID#[redacted] by Ms. [redacted] to my attention. Under the Fair Debt Collection PracticesAct (FDCPA), information regarding a debt may not be disclosed to any third parties without the prior consent of theconsumer given directly to the debt collection. [1] However, Americollect, Inc. may disclose information regarding theunderlying debt to respond to complaint allegations. [2] This communication is not made with a view toward collec ingthe debt. This communication serves as Americollect, Inc's timely response to Ms. [redacted] 's concerns.I sincerely apologize for any inconvenience. On 08/17/2015, we received two accounts for Ms. [redacted] from [redacted] (Account #[redacted] & #[redacted]). We sent a notice to the address on file per our client's recordsand, subsequently, the address provided on this complaint. On 08/27/2015, our clie nt, [redacted]contacted our office and stated that the account should be cancelled. We cancelled the accounts on that same day.On 09/15/2015, our client re-listed the previously cancelled accounts with our office. As the accounts were newly listed,we sent a notice to the address on file on 09/16/2015. On 09/18/2015, our dient contacted our office to cancel theaccounts from our office again. We have since been in contact with our client and have requested that the accounts notbe re-listed in our office. No record of the accounts have been listed with the three major Credit Bureaus (Equifax,TransUnion and Experian).As is evident by our rapid and thorough response to your office, and subsequently Ms. [redacted] , Americollect takescomplaints very seriously. We also take great pride in treating consumers with the respect and professionalism theydeserve. If Ms. [redacted] has any further questions, she is able to contact our office between the central time hours of 7amto 9pm Monday - Friday or between the central time hours of 5am to 5pm, Saturdays.Thank you again for bringing this to our attention and allowing me to respond.
Review: I paid an outstanding balance to Americollect on 08/07/2015 out of my checking account. They did not acknowledge the payment until 08/10/2015, in which they refused to give me receipt for that payment. If I recall correctly, it is state law to provide receipt of payment at the time of payment in Wisconsin. Not only that, but they took the money out, then immediately put it back in and charged me for it again three days later, causing me to overdraft my account twice! If they're going to reimburse me for something that should be out of the statute of limitations, they should just reimburse me, not repeatedly take it out and put it back in.Desired Settlement: I would like to be refunded for the $100 ($50/per withdrawal) I was charged because of their billing practice that caused me to be doubly billed by my bank when I should have been billed at all.
Business
Response:
Thank you for bringing complaint ID #[redacted] by Ms. [redacted] to my attention. Under the Fair Debt CollectionPractices Act (FDCPA), information regarding a debt may not be disclosed to any third parties without the prior consentof the consumer given directly to the debt collection. {1} However, Americollect, Inc. may disclose informationrega rding the underlying debt to respond to complaint allegations. {2} This communication is not made with a viewtoward collecting the debt. This communication serves as Americollect, Inc.'s timely response to Ms. [redacted]'sconcerns.I sincerely apologize for any inconvenience caused to Ms. [redacted]. On 08/07/ 2015, Ms. [redacted] contacted ouroffice and provided a bank routing and account number for a one-time electronic check payment of $526.50 from herchecking account. As 08/07/2015 was a Friday and check payments can take 3-5 business days to process, the paymentwas not processed until 08/ 10/2015. On 08/ 10/2015, Americollect received an incoming phone ca ll from Ms. [redacted], the person whose account Ms. [redacted] was paying. Ms [redacted] explained that the payment was in order toobtain an apartment and requested that we e-mail the receipt of payment to the company from which she was trying toobtain the apartment . That day, we e-mailed a copy of the receipt to [redacted] perMs. [redacted]'s request. On 08/12/2015, Americoliect received notification that the electronic check supplied by Ms. VanHouten had insufficient funds. Any NSF fees charged by Ms. [redacted]'s bank would need to be negotiated betweenMs. [redacted] and her financial institution as any NSF fees are not charged by Americollect.As is evident by our rapid and thorough response to your office, and subsequently Ms. [redacted], Americollect takescomplaints very seriously. We also take great pride in treating consumers with the respect and professionalism theydeserve. If Ms. [redacted] has any further questions, please co ntact our office between the central time hours of 7amto 9pm Monday - Friday or between the central time hours of gam to Spm, Saturdays.Thank you again for bringing this to our attention and allowing me to respond.
Review: I was in a unique situation with regards to my daughters medical bills in collections. I am divorced from my daughters mother. The mother witheld the bills from me and finally the bills went into collections. They were submitted in Feb 2014, and I receieved a notice from Americollect on December 8th 2014 about the charges and 1 bill of my own. I called numerous times to find out why it took so long to contact me about the debt, to which I got no response or explination, other then that it took them until November 2014 to find out I was the father. They would also not tell me how they came to this conclusion, even without contact with the mother, I was the only one to respond to the letter. My bill was submitted to them in August 2014 and also I was not notified until I receieved the letter December 8th. When I asked why it took so ong to contact me I once again got the run around and no explination was giving, even though the medical faculity gave them my current address and phone number. The daughters debts were there so long that they were already submitted to the credit file, and I was added and automatically dinged without notice or due process to pay or despute the charges. After numerous calls they did remove the debts from my credit file, as they were paid through insurance and taken care of, but they still won't tell me why it took so long nor how they came to the conclusion that I was the father responsible for the bills. I feel Ihave the right to this information and that they are trying to cover up some possible illegal buisness practices.Desired Settlement: A explination as to how they found out I was the father, and what numbers or address they tried contacting me at that made this so prolonged and unnecassary.
Business
Response:
Thank you for bringing complaint ** #[redacted] by Mr. [redacted] to my attention. Under the Fair Debt CollectionPractices Act (FDCPA), information regarding a debt may not be disclosed to any third parties without the priorconsent of the consumer given directly to the debt collection. [1} However, Americollect, Inc. may discloseinformation regarding the underlying debt to respond to complaint allegations. [2] This communication is notmade with a view toward collecting the debt. This communication serves as Americollect, Inc.'s timelyresponse to Mr. [redacted]'s concerns.I apologize for the confusion in regards to the accounts listed in our office for Mr. [redacted]. On 02/07/2014,Americollect received four accounts for [redacted] (Account #[redacted], #[redacted], #[redacted]and #[redacted]) in which the patient's name was [redacted]. The accounts were sent to our office in thepatient's mother, [redacted]'s, name. On 08/28/2014, Americollect received an account for Mr. [redacted] for[redacted] (Account #[redacted]). As Mr. [redacted] has the same last name as the patient on theaccounts listed under [redacted]'s name, our system cross-referenced the two files and flagged them aspotential matches. Before sharing the accounts in which [redacted] was the patient between Ms. [redacted] and Mr.[redacted], a representative checked the [redacted]) to verify if Mr. [redacted] was inany way responsible for the accounts in which [redacted] was the patient. Per case #[redacted] on [redacted], Mr.[redacted] from Ms. [redacted] on 02/08/2010.Per Wisconsin's Marital Property Law: Each spouse has an equal obligation in accordance with his or her abilityto contribute money or services or both which are necessary for the adequate support and maintenance of hisor her minor children and af the other spouse. No spouse may be presumed primarily liable for supportexpenses under this subsection. There is no joint and several liability for these obligations, and creditors maypursue either or both spouses to collect the debt, regardless of who incurred it. Because both spouses arepersonally liable for necessaries, the creditor's right to pursue either spouse is not affected by a divorce, and allof the ex-spouses' assets remain available to satisfy the debt.Because the account listed under Ms. [redacted] had a patient by the name of [redacted] and [redacted] showedthat Mr. [redacted] had previously been married to Ms. [redacted], the representative concluded that Mr. [redacted] isresponsible for the accounts in which [redacted] was the patient. The accounts in our office listed for Mr.[redacted] have since been paid in full and Americollect has requ ested that the three major Credit Bureaus(Equifax, TransUnion, and Experian) delete all record of these accounts from Mr. [redacted]'s credit file.As is evident by our rapid and thorough response to your office, and subsequently Mr. [redacted], Ameri collecttakes complain ts very seriously. We also take great pride in treating consumers with the respect andprofessionalism they deserve. If Mr. [redacted] has any further questions about his accounts listed here, pleasecon tact our office between the central time hours of 7am to 9pm, Monday - Friday or between t he centraltime hours of 8am to Spm, Saturdays.Thank you again for bringing this to our attention and allowing me to respond.
Review: I paid my bill in full, requested to have my name as well as all information of mine taken out of there system after bill cleared. But I was told that all personal info would be kepted indeffinently, in case it is needed in the future. Requested to speak to the head of company, but was told I would only get the same answer. I would like to have all of my personal info cancelled out of there computers.
Business
Response:
Thank you for bringing complaint [redacted] by Ms. [redacted] to my attention. Under the Fair Debt Collection Practices Act(FDCPA), information regarding a debt may not be disclosed to any third parties without the prior consent of the consumergiven directly to the debt collection. (1] However, Americollect, Inc. may disclose information regarding the underlying debtto respond to complaint allegations. (2] This communication is not made with a view toward collecting the debt. Thiscommunication serves as Americollect, lnc.'s timely response to Ms. [redacted]'s concerns.Per state and federal laws, as a licensed collection agency, Americollect must maintain certain records and informationpertaining to accounts that have been listed with our office. Due to these laws, we are unable to expunge Ms. [redacted]'sinformation from our office. Per Ms. [redacted]'s request, we have marked her account as a cease and desist.As is evident by our rapid and thorough response to your office, and subsequently Ms. [redacted], Americollect takes complaintsvery seriously. We also take great pride in treating consumers with the respect and professionalism they deserve. If Ms.[redacted] has any further questions about her account listed here, please contact our office between the central time hours of7am to 9pm, Monday - Friday or between the central time hours of Sam to Spm, Saturdays.Thank you again for bringing this to our attention and allowing me to respond.
On Americollect’s social media page, they claim that their “Walls Talk” and teach employees to treat clients, consumers and each other with “Fairness.” I couldn’t disagree more with this claim, as I do not feel I am being treated fairly by Americollect, as a consumer.
In 2011, I had a medical bill submitted to Americollect by my healthcare system since I was not able to meet my obligations at the time. In 2012 I was faced with imminent job loss, however managed to make payments to Americollect and eventually pay my debt in full in February 2013. While it did take me some time to pay, I did pay my obligation in full and did not settle for less than I owed.
Americollect is the only collection I have on my credit report. Since I know others that have successfully had a collection removed from their credit report, simply by asking Americollect for a goodwill adjustment, I decided to call them to see if I could be extended the same consideration.
In March of 2013, after my account was paid in full, I called and spoke to a woman that said she couldn’t delete the account, but the credit bureaus could if I filed a dispute with them. I did as she suggested and submitted a dispute to the credit bureaus. Americollect proceeded to validate the debt, completely negating the statement made by their representative when I called.
On April 15th, I decided to email the customer service team at Americollect, in hopes of different, less conflicting results. In only fifteen minutes after I sent my email, I received a sharply scripted response that lacked personal attention to my request. Coincidentally, on April 16th, my credit bureau reported that the status of my account with Americollect had changed from “Paid” to “In collections.” This makes the tradeline more negative than before I’d contacted them. When I asked Americollect about this, they claimed they didn’t make any changes. However as the data furnisher, no one else could have made such a change.
I’ve tried reaching out to them again on May 8, June 3, June 18, July 22, September 12, and October 1, 2013. Once, of all of these instances, I received a form letter in the mail stating they would not remove the account. I feel that they have chosen a position of retaliation by reporting my account in a more negative status after I’d contacted them, and then refusing to return my messages. Americollect contacted me multiple times a day as I paid back my debt. However now that they have received their money, it’s impossible to get any service from this company.
As long as this account remains on my credit report, I am a consumer to this company, and I should be treated fairly, as they claim, and have each of my requests responded to in a personal, non-form letter manner.
The homepage of Americollect’s websites says they are “Ridiculously Nice.” That has not been my experience.
Thank you,
Acct #: [redacted]Desired Settlement: I ask that Americollect remove this account from reporting, as they have done with other consumers.
Business
Response:
Dear Mr. [redacted],
Friday has arrived and I hope you had a
successful week! Attached is my response to complaint #[redacted]. Thank
you for allowing me to respond to Ms. [redacted]'s concerns. Have a great weekend.
-[redacted]
Business
Response:
Dear Mr. [redacted],
Can you believe it is already the end of October! Time sure flies. Hope you are getting all ready for winter.
I have attached our response to Ms. [redacted]'s additional concerns.
Don't forget... change your clock back this weekend! Have a great day!
Review: I talked to at least 4 people today at Americollect. I made a payment over the phone on my bill but told the first person I talked to that I wanted to see the account information on my account and couldn't log in which is why I haven't paid. They gave me the user id and password and then I tried to log in and it didn't work so I called back and they gave it to me again. I was able to get to the log in screen but couldn't complete the log in because their server is not secure and any information can be hacked over the internet and all the confidential information that I might put in including social , credit card etc is not secure apparently their security certificate is outdated. So called again, then they hung up on me and then called again, and was told that IT department is working on it ,then they told me that it was the weather" .I asked for a manager and eventually got Tyler who said that they will "work" on the problem. I asked when they expected it to be resolved and he stated he didn't know. I asked then to have the account information sent to me monthly with an accounting of my payment and what is owed, he stated he could not do that. I told him that I was thinking there is something wrong with being a debt collection agency when the consumer can't look at what is owed and have an accounting of what is paid. I asked for a monthly paper statement so I could mail a payment. He stated again no they don't do that. I told him at that point that I would be filing a complaint. I feel that a legitimate business transaction would include information on the debt being collected.Desired Settlement: I would like to have a paper statement sent to me and I will make a check out and pay snail mail. This is a company that seems to not follow legitimate business practices in terms of debt collection and especially when handing customers financial and confidential personal information.
Business
Response:
Thank you for bringing complaint ID #[redacted] by Ms. [redacted] to my attention. Under the Fair Debt CollectionPractices Act (FDCPA), information regarding a debt may not be disclosed to any third parties without the prior consentof the consumer given directly to the debt collection. {1} However, Americollect Inc. may disclose information regardingthe underlying debt to respond to complaint allegations. {2} This communication is not made with a view towardcollecting the debt. This communication serves as Americollect, Inc. 's timely response to Ms. [redacted]'s concerns.I sincerely apologize for any confusion caused to Ms. [redacted]. On 07/21/2015, our Network Security Administratorlooked into the security of our Weblink. Ms. [redacted] was denied access to her account details, not because the websitewas not secure, but because she did not fill out all the necessary fields in order to continue. Below are screenshots ofwhat would be seen when logging into our Web/ink.As shown above, if all of the required fields are not filled in, the "Submit" button will remain grayed out. I have updatedMs. [redacted]'s account to have receipts sent to the address on file after each payment received by Americollect. She willreceive her first receipt for her payment currently set up for 07/24/2015 and all payments after that.As is evident by our rapid and thorough response to your office, and subsequently Ms. [redacted], Americollect takescomplaints very seriously. We also take great pride in treating consumers with the respect and professionalism theydeserve. If Ms. [redacted] has any further questions about her accounts listed here, please contact our office between thecentral time hours of lam to 9pm Monday - Friday or between the central time hours of 80m to 5pm, Saturdays.Thank you again for bringing this to our attention and allowing me to respond.
Review: My son was hospitalized for injuries sustained while [redacted]. Attempts to have hospital bills payed has been difficult, as certain entities failed to supply itemized billing statements to the insurance carrier. I have all items resolved except for a radiology bill. Attempt to contact radiology and have itemized bills sent to the insurance carrier has not been done. Insurance is still waiting for itemized bill top pay the radiology dept. I was recently received a notification from Experian showing neg. items on my credit report. Starting in Oct. Americollect has been given the responsibility of collecting the unpaid bill from radiology. I have not received any written collection notices and Americollect has been steadily raising the amount due since Oct. 2014. This is unacceptable to continue raising the amount without any attempts to actually collect the money due!Desired Settlement: I will pay the original amount if they will send me a itemized statement and bill for the charges. I want the issue resolved and the negative items removed from my credit history.
Business
Response:
Thank you for bringing complaint ID #[redacted] by Mr. [redacted] to my attention. Under the Fair Debt Collection PracticesAct (FDCPA), information regarding a debt may not be disclosed to any third parties without the prior consent of theconsumer given directly to the debt collection. [1] However, Americollect, Inc. may disclose information regarding theunderlying debt to respond to complaint allegations. (2) This communication is not made with a view toward collectingthe debt. This communication serves as Americollect, Inco's timely response to Mr. [redacted]'s concerns.On 08/ 08/2014, we received six separate accounts for Radiology and Imaging Consultants for a total of $1,052.00. Wehave resent a notice to the address on file per this complaint. The accounts listed in our office are not accruing interest.On 09/17/ 2014, we rece ived an explanation of benefits from Mr. [redacted]. Our insurance department is currently workingwith our client to determine if a claim is able to be filed to Mr. [redacted]'s insuran ce. Due to the nature of the documentsMr. [redacted] has requested, we will send them to the address on file per this complaint via the U.S. Postal Service once wereceive them from our client.As is evident by our rapid and thorough response to your office, and subsequently Mr. [redacted], Americollect takescomplaints very seriously. We also take great pride in treating consumers with the respect and professionalismthey deserve. If Mr. [redacted] has any further questions about his accounts listed here, please contact our officebetween the central time hours of 7am to 9pm, Monday - Friday or between the central time hours of Sam toSpm, Saturdays.
Review: I contacted the company to discuss payments and the Tony the customer rep. tried to add me to the account to make me responsible for my husbands medical bill. I live in [redacted] where that is illegal. [redacted] is a state that cannot hold the spouse responsible for medical bills. This is an illegal act and a violation of my rights.Desired Settlement: I would like the company to pay the bill because they tried to violate my rights.
Business
Response:
Thank you for bringing complaint ID #[redacted] by Ms. [redacted] to my attention. Under the Fair DebtCollection Practices Act (FDCPA), information regarding a debt may not be disclosed to any third partieswithout the prior consent of the consumer given directly to the debt collection. [1] However, Americollect,Inc. may disclose information regarding the underlying debt to respond to complaint allegations. [2] Thiscommunication is not made with a view toward collecting the debt. This communication serves asAmericollect, Inc.'s timely response to Ms. [redacted]'s concerns.I apologize for any confusion caused to Ms. [redacted]. On 02/25/2015, we received an account for Mr. Gary[redacted] from [redacted] (Account #[redacted]). On 03/ 10/ 2015, Ms. [redacted] contacted ouroffice on behalf of her husband, Mr. [redacted], to discuss making payments towards the account listed in ouroffice. She has not been added to the account nor are we holding her responsible for the account. If Ms.[redacted] would like to continue to make payments and contact our office to speak on behalf of her husband,she is able to.As is evident by our rapid and thorough response to your office, and subsequently Ms. [redacted], Americollecttakes complaints very seriously. We also take great pride in treating consumers with the respect andprofessionalism they deserve. If Ms. [redacted] has any further questions about her husband's accounts listedhere, please contact our office between the central time hours of 7am to 9pm, Monday - Friday or betweenthe central time hours of 8am to 5pm, Saturdays.Thank you again for bringing this to our attention and allowing me to respond.
Review: This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt.
Being that they failed to provide it, this is a clear violation of FDCPA. At this point I am entitled to statutory damages, as they continue to report this information and that is highly damaging to me. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid.
Under federal law, I could hire an attorney to sue them at no cost to me and ask for $1,000.00 in damages, since credit bureau reporting is considered a collection activity and have failed to provide legal documentation that they are reporting this account 100% accurate.Desired Settlement: I do not wish to speak on the phone with anyone nor do I wish to engage in a verbal dispute. I am, however, exercising my right under the FCRA and FDCPA and respectfully requesting they delete this tradeline from my credit report, or I will have no choice but to seek legal assistance to stand in a courtroom before a jury and explain my case.
I would like this collection to draft a letter to all three credit reporting agencies (Equifax, Experian, and TransUnion) that this unverified and inaccurate account will be removed from my credit report. I would also like a copy of that letter to be mailed to me as well and for this collection agency to cease & desist all types of communication after the item is deleted.
Business
Response:
Thank you for bringing complaint ID#[redacted] by Ms. [redacted] to my attention. Under the Fair DebtCollection Practices Act (FDCPA), information regarding a debt may not be disclosed to any third partieswithout the prior consent of the consumer given directly to the debt collection, {1} However, Americollect,Inc, may disclose information regarding the underlying debt to respond to complaint allegation s. [21 Thiscommunication is not made with a view toward collecting the debt. This communication serves asAmericollect, Inc.s timely response to Ms. [redacted]'s concerns.On 02.05.15 our client, University Radiology Group P.C, listed an account (#[redacted]) for $75 for Ms. [redacted] inour office. On 02.06.15 we sent a validation notice to the address provided by our client and, subsequently,the same address provided by Ms. [redacted] with her written dispute to Americollect and her complaint to theRevdex.com. We received the written dispute from Ms. [redacted] on 06.12. 15, at that time wecontacted our client, [redacted], for verification of the debt listed by them in our office.On 06.15.15, we received an itemization statement, for the above referenced account, from our client andmailed it to Ms. [redacted] on 06.18.15 to the address provided by our client and, subsequently, the sameaddress provided by Ms. [redacted] with her written complaint to Americollect and her complaint to the BetterBusiness Bureau. Americollect has informed to the three major credit bureaus of Ms. [redacted]'s dispute. Wehave documented your file that you would like no further communication about regarding #[redacted].If Ms. [redacted] feels that this is not her account and she has reason to believe that her personal informationwas used fraudulently we wi ll need the additional information below:- Proof you have contacted the 3 major credit bureaus- Written detailed information on what is being disputedOfficial identity theft police reportNotarized affidavitCopy of your Social Security Card, State ID and/or Driver's LicenseCopy of Credit Report (current within last 30 days)As is evident by our rapid and thorough response to your office, and subsequently Ms. [redacted], Americollecttakes complaints very seriously. We also take great pride in treating consumers with the respect andprofessionalism they deserve. If Ms. [redacted] has any further questions about her accounts listed here, pleasecontact our office between the central time hours of 7am to 9pm Monday - Friday or between the centraltime hours of 8am to 5pm, Saturdays.
Review: This company has incorrectly reported information on my credit reports
I requested proof of service such as a signature saying I approved and service was rendered.
They refuse to provide and state it is not thier responsibility to prove anything that they are just the collector ( the FDCPA states otherwise)
THEY BEAR THE DUTY TO CORRECTLY REPORT AND UPDATE INFORMATION
I asked them if they reported it to the credit agencies and They Stated YES
I then asked them do they not have to verify that the collection is the truth or do they just report everyone
They stated they dont have too provide Me any proof other than a bill
What if someone made a billing error ...do they just report it ............what precautions are in place ?
I then asked what proof they have
They have no viable proof other than billing information that the service was provided at all.
They again stated they are just the 3rd party to collect a debt.
I believe They feel they have no burden to prove the debt is valid beyond a name and dollar amount.
Furthur please take note that this company has a canned response to complaints (Which I have copied and pasted below from the Revdex.com Reviews) if you read the reports they all state the same thing which tells me
they are not reviewing the merits of any complaint Im just another number or another complaint. #47 I think
OPEN QUOTE :
As is evident by our rapid and thorough response to your office, and subsequently Mr. [redacted], Americollect takes
complaints very seriously. We also take great pride in treating consumers with the respect and professionalism
they deserve. If Mr. [redacted] has any further questions about his accounts listed here, please contact our office
between the central time hours of 7am to 9pm, Monday - Friday or between the central time hours of Sam to
Spm, Saturdays. .......END QUOTE
Making A fast response isnt important...... Making and Accurate Response IS .
If they cared about what I had to say when I called them In the first place we would not be having this conversation.
Thank YouDesired Settlement: Remove false report from my 3 credit reports
and all my personna information removed from thier data base
Business
Response:
Thank you for bringing complaint ID [redacted] by Mr. [redacted] to my attention. Under the Fair DebtCollection Practices Act (FDCPAj. information regarding a debt may not be disclosed to any third partieswithout the prior consent of the consumer given directly to the debt collection. [1] However, Americollect,Inc. may disclose information regarding the underlying debt to respond to complaint allegations. [2] Thiscommunication is not made with a view toward collecting the debt. This communication serves asAmericollect, Inc.'s timely response to Mr. [redacted]'s concerns.On 01/07/2015, Americollect received an account from [redacted] (Account #[redacted]) for Mr.[redacted]. On 01/14/2015, a representative spoke with Mr. [redacted] regarding this account. At that time, Mr.[redacted] did not request validation of the account. As Mr. [redacted] is now requesting validation, I have sent anitemized statement to Mr. [redacted] showing the services rendered via the U.S. Postal Service to the address heprovides in this complaint. The statement will arrive within 5-7 business days in an unmarked envelope with a[redacted] return address. I have also updated the account as disputed with thethree major Credit Bureaus (Equifax, TransUnion and Experian). If Mr. [redacted] no longer disputes the validityof the account or feels the account was created fraudulently, he can contact our office and a representativewill be able to help him.As is evident by our rapid and thorough response to your office, and subsequently Mr. [redacted], Americollecttakes complaints very seriously. We also take great pride in treating consumers with the respect andprofessionalism they deserve. If Mr. [redacted] has any further questions about his account listed here, pleasecontact our office between the central time hours of 7am to 9pm Monday - Friday or between the centraltime hours of 8am to Spm, Saturdays.
Review: This collection agency has been calling my job to get a hold of me letting all my coworkers know it's in regards to a collection debt and they need to talk to me. In more than one occasion I have told this agency not to call my job. It is not allowed to have personal calls. This agency still is calling me at work.
Business
Response:
Thank you for bringing complaint 10 #[redacted] by Ms. [redacted] to my attention. Under the Fair DebtCollection Practices Act (FDCPA), information regarding a debt may not be disclosed to any third partieswithout the prior consent of the consumer given directly to the debt collection. {1] However, Americollect,Inc. may disclose information regarding the underlying debt to respond to complaint allegation s. [2J Thiscommunication is not made with a view toward collecting the debt. This communication serves asAmericoliect, Inc.'s timely response to Ms. [redacted]'s concerns.I apologize for any inconvenience we may have caused Ms. [redacted]. After reviewing our records from03/ 15/2016, a representative attempted to contact Ms. [redacted] on a work phone number, as attempts to contacther via other phone numbers provided by Ms. [redacted] at the date services were rendered were unsuccessful. Atthe time of the phone call we were not aware that the work phone number listed on the account was aninconvenient phone number to place a call for Ms. [redacted]. After listening to the phone ca ll that took place on03/15/2016; our representative reached an unknown party at the phone number listed on file, 262-657-6686.Our representative requested to speak with [redacted] and was transferred to a person by the name of[redacted] would not confirm her last name and asked who was calling. Our representative stated hisname and that he was calling from Americollect. Our representative did not disclose Americollect to anyoneother than [redacted]. After our representative disclosed that he was calling from Americollect, [redacted] told himnot call that phone number anymore as it is a work number and promptly ended the call. The representativedid not have an opportunity to disclose any account information as the call was ended abruptly.This is a communication from a debt collectorThis communication is made for the limited purpose of responding to a dispute and is NOT a demand for payment.According to our records, Americollect has not had a conversation with Ms. [redacted], prior to the 03/ 15/2016phone call, in which she stated that she does not want phone ca lls at her place of employment. Per Ms. [redacted]'request for no more communication in this complaint, I have marked her account as a cease and desist toprevent future phone calls regarding her account listed at Americoll ect. I have also updated the account listedin our office for Ms. [redacted] from Aurora Medical Group (Account #113072959) as disputed per her request inthis complaint.As is evident by our rapid and thorough response to your office, and subsequently Ms. [redacted], Americollecttakes complaints very seriously. We also take great pride in treating consumers with the respect andprofessionalism they deserve. If Ms. [redacted] has any further questions about her accounts listed here, pleasecontact our office between the central time hours of 7am to 9pm Monday - Friday or between the centraltime hours of Bam to 5pm, Saturdays.Thank you again for bringing this to our attention and allowing me to respond.Sincerely,
Review: I received numerous harrassing phone calls from this company stating this debt was mine and I asked for proof from the provider that they claim they are collecting for and they will not provide the information requested, and I have told them this debt is not mine. I sent a certified return receipt letter asking for copies of the debt they claim I owe, and received the receipt that they signed for my request on 12/19/2013. Instead I got more harrassing calls threatening me that they would put it on my credit report, which they have now done. I have been working with all three credit reporting agencies to have this removed with little success with the exception of TransUnion who has deleted it because they could not verify the debt.Desired Settlement: I am entitled by law since I'm being falsely accused, copies of the "Bills" from the original company they are collecting for from this company. If they cannot provide these documents then they need to remove this from my credit report from all three agencies.
Business
Response:
Thank you for bringing complaint ID #[redacted] by Mr. [redacted] to my attention. Under the Fair Debt Collection Practices
Review: My account was turned in to Americollect, Americollect called me to set up payments. [redacted] who contacted me from Americollect told me that if I paid 556.00 a month and have the bill paid up before year end that it wouldn't appear on my credit report. Well guess what showed up in Oct.2014 on my credit report. This was a verbal contract and it was recorded by Americollect and they will not let me listen the the recording. Americollect told me the recording is for there use not mine. I asked them to listen to the recording where [redacted] agrees that it will not be turned over to the credit reporting company unless I miss a payment, which I haven't yet. Americollect told me that [redacted] did not mention that in the phone conversation with me. I'm not nuts, this was the agreement and now they will not remove this from my credit report.Desired Settlement: I want this removed from my Credit Report. If not I want the recorded conversation between [redacted] and me.
Business
Response:
Thank you for bringing complaint 10 #10272542 by Mr. [redacted] to my attention. Under the Fair Debt Collection PracticesAct (FDCPA), information regarding a debt may not be disclosed to any third parties without the prior consent of theconsumer given directly to the debt collection. [1] However, Americollect, Inc. may disclose information regarding theunderlying debt to respond to complaint allegations. [2] This communication is not made with a view toward collectingthe debt. This communication serves as Americoliect, Inc.'s timely response to Mr. [redacted]'s concerns.On 01/31/2014, Americollect received 13 accounts in the amount of $5,559.72 for Mr. [redacted] for [redacted]. On02/06/2014, Mrs. [redacted] contacted our office and spoke with a representative. She stated that she and Mr. [redacted] wereunable to pay the balance in full and would like to set up a recurring monthly payment arrangement. The representativeoffered payments of $556.00 per month. The representative stated that the payments would last for 10 months and thepayments would not prevent the accounts from listing with the three major Credit Bureaus (Equifax, TransUnion andExperian) as they were scheduled to report on 04/10/2014 unless paid in full prior to that date. Mrs. [redacted] then set upthe recurring payments with a checking account.On 10/14/2014, Mrs. [redacted] contacted Americollect stating that Mr. [redacted] was upset that the balances were listed onhis credit file and stated that she was told by a representative that they would not list as long as she was makingpayments. A Team Leader reviewed the phone call from 02/06/2014 an d noted that Mrs. [redacted] was told the accountwould be listing with the Credit Bureaus unless paid in full prior to 04/10/2014. On 10/17/2014, Mr. [redacted] contactedAmericoliect and sta ted that he wanted cali recordings from Mrs. [redacted]'s phone call on 02/06/2014 to prove that theywere told the accounts would not list with the Credit Bureaus if payments were set up. We have sent the call to the[redacted] for their review.On 10/20/2014, Mrs. [redacted] contacted our office again. A representative explained that her conversation on02/06/2014 did not include a representative stating that the accounts would be held from her credit file. Mrs. [redacted]stated t hat she understood that the accounts would remain on her credit file and asked if she could dispute the accountto get it removed more quickly_ We have since disputed the account for Mrs. [redacted] per her request on 10/20/2014, ifshe no longer disputes the balance listed in our office or has any further questions, she is able to contact us at1· ###-###-#### Monday· Friday 7am-9pm or Saturday 8am-5pm Central Standard Time.As is evident by our rapid and thorough response to your office, and subsequently Mr. [redacted], Americoliect takescomplaints very seriously.
Review: AMERICOLLECT INC is damaging my credit by reporting a collection account number – 30001F on my credit report that I don’t believe belongs to me. On March 20, 2015, they received a Certified Return Receipt letter from me requesting validation of the debt and as of yet they have not provided me any validation. I have disputed this debt with the Credit Bureaus and they are continuing to report and verify to the Credit Bureaus that this account is mine. This account with AMERICOLLECT INC is erroneous and does not belongs to me. Verification of signed documentation will reveal such validity.Desired Settlement: I would like the account in question and its inaccuracies removed from my credit file.
Business
Response:
Thank you for bringing complaint ID#[redacted] by Mr. [redacted] to my attention. Under the Fair Debt CollectionPractices Act (FDCPA), information regarding a debt may not be disclosed to any third parties without the priorconsent of the consumer given directly to the debt collection. [1] However, Americollect, Inc. may discloseinformation regarding the underlying debt to respond to complaint allegations. [2] This communication is notmade with a view toward collecting the debt. This communication serves as Americollect, Inc.'s timelyresponse to Mr. [redacted]'s concerns.As we stated in our response to Mr. [redacted]'s complaint with the Wisconsin Department of Financial Institutions(DFI), Americollect received an account for Mr. [redacted] from [redacted] (Account #3000lF) in theamount of $43.59 on OS/29/2014. We sent the validation notice to the address on file per our cl ient's recordsand, subseq uently, the address provided by Mr. [redacted] on this complaint. The notice included the validationlanguage:Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portionthereof. this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice, thatyou dispute the validity of this debt or any portion thereof this office will obtain verification of the debt or obtain a copy of thejudgment and mail you a copy of such judgment or verification . If you request of this office in writing with in 30 days afterreceiving this notice, this office will provide you with the name and address of the original creditor, if different from the currentcreditor.We assumed the account was valid as we did not receive a mail return indicating we had an incorrect mailingaddress nor did we receive notification from Mr. [redacted] that he disputed the account until his dispute directlywith the [redacted] on 03/02/2015 and 03/04/2015, approximately 10 months afterthe account listed in our office. In response to Mr. [redacted]'s disputes with the CRAs, we updated the account asdisputed and verified t hat the information given to us by our client matches the information Mr. [redacted] providedwith his disputes.On 03/23/2015, we received a written dispute from Mr. [redacted] in which he requested written proof anddocumentation that the account is actually his. In response to his written request, Americollect obtained anitemized statement from our client. I have mailed the itemized statement to Mr. [redacted]via the u.s. Postal Serviceto the address on file. It will arrive in an unmarked envelope with a [redacted] as thereturn address. The statement will show that the patient is a minor child. The additional $10.06 included onthe account is a collection service fee which Mr. [redacted] would have agreed to when he signed a contract at thetime of service. Mr. [redacted] should allow 5-10 business days to receive the statement. If the minor patient for thisaccount is not the minor child of Mr. [redacted], he can contact our office so we can further investigate.As is evident by our rapid and thorough response to your office, and subsequently Mr. [redacted], Americollect takescomplaints very seriously. We also take great pride in treating consumers with the respect andprofessionalism they deserve. If Mr. [redacted] has any further questions about his account listed here, pleasecontact our office between the central time hours of 7am to 9pm Monday - Friday or between the centraltime hours of 7am to 9pm, Saturdays.Thank you again for bringing this to. our attention and allowing me to respond.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
Thank you for bringing Mr. [redacted]'s additional concerns regarding complaint 10 [redacted] to my attention.Under the Fair Debt Collection Practices Act (FDCPA), information regarding a debt may not be disclosed toany third parties without the prior consent of the consumer given directly to t he debt collection. [1) However,Americollect, Inc. may disclose information regarding the underlying debt to respond to complaint allegations.[2J This communication is not made with a view toward collecting the debt. Th is communication serves asAmericollect, Inco's timely response to Mr. [redacted]'s concerns.We sent Mr. [redacted] the validation notice on 01/08/2015, which we also attached to our previous response, aswell as two itemized statements on 03/26/2015 and 04/03/2015. If Mr. [redacted] is not receivin g our mailings,he may want to speak with his local post office as the address we have been sending the information to is thesame address Mr. [redacted] has provided in all of his correspondences regarding this matter.On 04/08/2015, our Customer Service Department req uested additional inform ation regarding this accountfrom our client, [redacted]. Our client has provided additional information in the form of apatient agreement bearing Mr. [redacted]'s signature, a copy of Mr. [redacted]'s driver's license, and a copy of hisinsurance card. As a courtesy, I have resent the itemized statement along with the additional information tothe address we have on file and, subsequently, the address Mr. [redacted] has provided several times. AlthoughAmericollect is not responsible to verify Mr. [redacted]'s receipt of these statement s, we have sent t hisinformation via certified mail.Due to the frustration caused to Mr. [redacted], once the account is paid in full, Americollect will request that thethree major Credit Bureaus (Equifax, TransUnion and Experian) remove the accounts from his credit history.As is evident by our rapid and thorough response to your office, and subsequently Mr. [redacted], Americollecttakes complaints very seriously. We also take great pride in treating consumers with the respect andprofessionalism they deserve. If Mr. [redacted] has any further questions about his account listed here, pleasecontact our office between the central time hours of 7am to 9pm Monday - Friday or between the centraltime hours of 8am to 5pm, Saturdays.Thank you again for bringing this to our attention and allowing me to respond.
Review: Recently I received a collection notice with Americollect for 3 diffenrent account numbers 1 dated back to 2011 for an injury that my husband encountered at work, no bill was ever received . There is usually a cap on workers comp claims, so trying at this point to get charges paid are slim to none. This document also included 2 other charges for which we never received any documents until now these are dated back to 2012, but Americollect has added this to our credit report in 2012 but we have never been notified I find this to be ridiculous and am hoping for some kind of resolution.Desired Settlement: I am requesting a billing adjustment and also credit to our credit report
Business
Response:
Thank you for bringing complaint 10 #1082 1062 by Mr. [redacted] to my attention. Under the Fair Debt CollectionPractices Act (FDCPA), information regarding a debt may not be disclosed to any third parties without the prior consentof the consumer given directly to the debt collection. [IJ However, Americollect, Inc. may disclose informationregard ing the underlying debt to respond to complaint allegat ions. (2J This communication is not made with a viewtoward collecting the debt. This communication serves as Americollect, rnc:s timely response to Mr. [redacted]'s concerns.r apologize for any confusion. On 08/24/2012, 10/29/2012 and 11/27/2012, Americollect received accounts for Mr.[redacted] from [redacted] of the Fox Valley (Account #[redacted], #[redacted] and #[redacted]). We sent notices tothe address on file per our client's records and, subsequently, the address provided on this complaint. We did notreceive a mail return indicating we had an incorrect mailing address.On 06/03/2015, Mr. [redacted] contacted our office and stated that his wife had paid the account and has the proof ofpayment to supply to our office. To date, we have not received any type of confirmation that the accounts listed in ouroffice have been paid in ful l. On 08/ 11/ 2015, Mr. [redacted] contacted our office again stating that he would likesomething sent in the mail regarding these accounts as he was sure the accounts listed have been paid in fuJi, but alsostated that if the accounts were not paid in full that he would pay them. We sent a statement on 08/12/2015.On 09/10/2015, Mr. [redacted]'s wife contacted our office and stated that she is concerned about the accounts in ouroffice as she had never received bills for them. She requested an itemized statement showing what services wererendered. That day, we sent an itemized statement showing the services re ndered. On 09/15/2015, Mrs. [redacted]contacted our office after receiving the itemized statements. She stated that one of the accounts listed in our office isfrom a work injury, however, she did not have the Workman's Compensation information available. If either Mr.[redacted] or Mrs. [redacted] can provide our office with the Workman's Compensation Insurance information, our Insu ranceDepartment can submit a claim to the Workman's Compensation carrier. We have updated the accounts as disputedwith the three major Credit Bureaus. If Mr. or Mrs. [redacted] no longer dispute the accounts listed in our office, they cancontact our office with that information.As is evident by our rapid and thorough response to your office, and subsequently Mr. [redacted], Americollect takescomplaints very se riously. We also take great pride in trea ting consumers with the respect and professionalism theydeserve. If Mr. [redacted] has any further questions, he is able to contact our office between the central time hours of 7amto 9pm Monday - Friday or between the central time hours of 5am to 5pm, Saturdays.
Consumer
Response:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
Review: I asked that my name be removed from the bill. The bill was incurred in my husband's name before sending to this agency. I would like the bill to come in his name only. I as his legal wife will help with the payment of the bill. My name does not have to be on this bill for it to get paid.Desired Settlement: I would like the bill to come in his name only.
Business
Response:
Thank you for bringing the additional comments for complaint ID #[redacted] by Ms. [redacted] to my attention. Under
the Fair Debt Collection Practices Act (FDCPA), information regarding a debt may not be disclosed to any third parties
without the prior consent of the consumer given directly to the debt collection. [1) However, Americollect, Inc. may
disclose information regarding the underlying debt to respond to complaint allegations. I2l This communication is not
made with a view toward collecting the debt. This communication serves as Americollect, In c.'s timely response to Ms.
[redacted]'s concerns.
Please find the enclosed listing of accounts showing the owed balances listed in Americollect's office. [redacted] listed the accounts on 02/28/2014. On 05/15/2014, Americollect received a letter from Ms. [redacted] stating that she would like her name removed from the accounts in our office. On 05/16/2014, we received a phone communication
from Ms. [redacted] requesting that her name be removed from the accounts in our office.
Under Wisconsin state law, an obligation incurred by a spouse during marriage, including one attributable to an act or
omission during marriage, is presumed to be incurred in the interest of the marriage or the family. Wis. Stat. Ann. §
766.55 (i), thus Ms. [redacted] is duly responsible for the medical debt incurred by her husband for his care.
In addition to the above Wisconsin statute, Wisconsin is a state that recognizes the Doctrine of Necessaries l aw. This
Doctrine states the provider of the necessary services or goods must show:
1. The services or goods were provided to the spouse;
2. The services or goods were necessary for the health and well-being of the receiving spouse;
3. The person against whom the action is brought was married to the person to whom the necessary services or
goods were provided at the time such services were provided; and
4. The payment for the necessaries has not been made.
The accounts in question are for medical bills incurred for Mr. [redacted], Ms. [redacted]'s husband; the services provided
would have been needed for the health and well being of Mr. [redacted]; Mr. and Mrs. [redacted] were married at the time of
the date of services.
As is evident by our rapid and thorough response to your office, and subsequently Ms. [redacted], Americollect takes
complaints very se riously. We also take great pride in treating consumers with the respect and professionalism they
deserve. I apologize for any confusion we may have caused Ms. [redacted], if she has any further questions about the
accounts listed here, please contact our office between the central time hours of 7am to 9pm, Monday - Friday or
between the central time hours of 8am to 5pm, Saturdays.
Thank you again for bringing this to our attention and allowing me to respond.
Review: I have been receiving phone calls from AmeriCollect in the [redacted] location about a radiology bill that is resolved through [redacted]. I phoned Memorial Hospital and the informed me that they did bill [redacted] and I do not have any outstanding bills. AmeriCollect of [redacted] continues to call me even though the bill is resolved. The hospital suggested I ask them to take me off their list. I phoned Americollect back at the number that they called from, a seven one nine number, and I spoke with a senior collector and she stated that while she would take me off the calling list, she would not clear my name from her data base, even though I do not owe any money and I do not have any outstanding radiology bill. They are causing me emotional distress with harassing phone calls and they refuse to fix the bill to reflect accurately that I do not owe them or the hospital any money. I called the hospital and they confirmed that I do not owe any money. I informed Americollect of [redacted] of this information and they refuse to update their information on me accurately. Therefore they are causing further damage to me and my credit score if this is in fact being reported on my credit report. I want Americollect to take this false information out of their database so that my credit report will be accurateDesired Settlement: I want Americollect to stop contacting me and also to remove my name and this false bill from their system so that my credit report will be accurate and up to date. I want Americollect to issue an apology for causing my distress over a bill that is not real. Thank you.
Business
Response:
Thank you for bringing complaint ID#[redacted] by Ms. [redacted] to my attention. Under the Fair DebtCollection Practices Act (FOCPA), information regarding a debt may not be disclosed to any third partieswithout the prior consent of the consumer given directly to the debt collection. [1] However, Americollect,Inc. may disclose information regarding the underlying debt to respond to complaint allegations. [2] Thiscommunication is not made with a view toward collecting the debt. This communication serves asAmericoliect, Inc.'s timely response to Ms. [redacted]'s concerns.I sincerely apologize for any frustration or confusion caused by Americollect to Ms. [redacted]. On 06/18/2014,Americollect received two accounts (Account #[redacted] and #[redacted]) from [redacted]in the amount of $255.00. The accounts listed in our office are for radiology services performed on12/ 30/ 2013 at [redacted] and would have been separate from any hospital or physician billsincurred that same day.We have sent an itemized statement to the address provided by Ms. [redacted] on this complaint. It will arrivein an unmarked envelope with [redacted] as the return address. Please allow 5-7business days to receive the statement. Per Ms. [redacted]'s request, we have marked her account as a ceaseand desist and updated her accounts as disputed with the three major Credit Bureaus (Equifax, TransUnionand Experian).As is evident by our rapid and thorough response to your office, and subsequently Ms. [redacted], Americollecttakes complaints very seriously. We also take great pride in treating consumers with the respect andprofessionalism they deserve. If Ms. [redacted] has any further questions about her account listed here, pleasecontact our office between the central time hours of 7am to 9pm Monday - Friday or between the centraltime hours of 8am to 5pm, Saturdays.Thank you again for bringing this to our attention and allowing me to respond.
Review: I received a collection notice from this company in the amount of $9,233 on behalf of [redacted]. But when I called [redacted], they said the amount they sent to Americollect was only $250.
Business
Response:
Thank you for bringing complaint [redacted] by Mr. [redacted] to my attention. Under the Fair Debt CollectionPractices Act (FDCPA), information regarding a debt may not be disclosed to any third parties without the priorconsent of the consumer given directly to the debt collection. [1] However, Americollect, Inc. may discloseinformation regarding the underlying debt to respond to complaint allegations. [2] This communication is notmade with a view toward collecting the debt. This communication serves as Americollect, Inc:s timelyresponse to Mr. [redacted]'s concerns.I sincerely apologize for any confusion caused to Mr. [redacted]. On 04/01/2015, an account listed in our office forMr. [redacted] from [redacted] (Account #[redacted]) in the amount of $10,872.03. On 04/ 02/ 2015, wewere made aware of an insurance adjustment in the amount of $1,638.29 and an insurance payment in theamount of $9,033.74. The insurance adjustment was immediately adjusted from the original amount of$10,872.03, however, the insurance payment was not applied to the account until 04/ 03/ 2015. Due to theprocessing delay for the insurance payment, a notice in the amount of $9,233.74 was sent to Mr. [redacted] on04/03/2015, before the payment had been posted to his account.We have sent an itemized statement which will show the services rendered for this account and a transactionhistory showing the payment and adjustment made to the account to the address on file per our client'srecords and, subsequently, the address provided by Mr. [redacted] on this complaint. The amount currently listedin our office is $200.00. The account has not been listed with the three major Credit Bureaus (Equifax,TransUnion and Experian), however, it will be listed with the Credit Bureaus on 08/10/2015 unless it is paid infull before that time. Again, I sincerely apologize for any inconvenience this has caused to Mr. [redacted].As is evident by our rapid and thorough response to your office, and subsequently Mr. [redacted], Americollecttakes complaints very seriously. We also take great pride in treating consumers with the respect andprofessionalism they deserve. If Mr. [redacted] has any further questions about his account listed here, pleasecontact our office between the central time hours of 7am to 9pm Monday - Friday or between the centraltime hours of 8am to Spm, Saturdays.Thank you again for bringing this to our attention and allowing me to respond.
Review: Americollect, Inc. has been attempting to collect a debt with [redacted] that was not supposed to be sent to collections to begin with. They were not abiding by my written requests for debt validation and/or stopping any further communication that were submitted via FAX, email, and paper mail. Furthermore, one of their agents contacted me at 10:30pm in an attempt to collect the debt, which is a violation of Fair Debt Collection Practices Act. A complaint was filed with Revdex.com to resolve the issue about a month ago. The company responded by stating the the debt was erased from their records and they will cease contacting me. Yesterday, I received another debt collection letter in the mail.Desired Settlement: I want them to stop contacting me, sending me mail, and erase their debt from their records.
Business
Response:
Thank you for bringing complaint ID#[redacted] by Ms. [redacted] to my attention. Under the Fair Debt Collection PracticesAct (FDCPA), information regarding a debt may not be disclosed to any third parties without the prior consent of theconsumer given directly to the debt collection. [1] However, Americollect, Inc. may disclose information regarding theunderlying debt to respond to complaint allegations. [2] This communication is not made with a view toward collec ingthe debt. This communication serves as Americollect, Inc's timely response to Ms. [redacted] 's concerns.I sincerely apologize for any inconvenience. On 08/17/2015, we received two accounts for Ms. [redacted] from [redacted] (Account #[redacted] & #[redacted]). We sent a notice to the address on file per our client's recordsand, subsequently, the address provided on this complaint. On 08/27/2015, our clie nt, [redacted]contacted our office and stated that the account should be cancelled. We cancelled the accounts on that same day.On 09/15/2015, our client re-listed the previously cancelled accounts with our office. As the accounts were newly listed,we sent a notice to the address on file on 09/16/2015. On 09/18/2015, our dient contacted our office to cancel theaccounts from our office again. We have since been in contact with our client and have requested that the accounts notbe re-listed in our office. No record of the accounts have been listed with the three major Credit Bureaus (Equifax,TransUnion and Experian).As is evident by our rapid and thorough response to your office, and subsequently Ms. [redacted] , Americollect takescomplaints very seriously. We also take great pride in treating consumers with the respect and professionalism theydeserve. If Ms. [redacted] has any further questions, she is able to contact our office between the central time hours of 7amto 9pm Monday - Friday or between the central time hours of 5am to 5pm, Saturdays.Thank you again for bringing this to our attention and allowing me to respond.
Review: I paid an outstanding balance to Americollect on 08/07/2015 out of my checking account. They did not acknowledge the payment until 08/10/2015, in which they refused to give me receipt for that payment. If I recall correctly, it is state law to provide receipt of payment at the time of payment in Wisconsin. Not only that, but they took the money out, then immediately put it back in and charged me for it again three days later, causing me to overdraft my account twice! If they're going to reimburse me for something that should be out of the statute of limitations, they should just reimburse me, not repeatedly take it out and put it back in.Desired Settlement: I would like to be refunded for the $100 ($50/per withdrawal) I was charged because of their billing practice that caused me to be doubly billed by my bank when I should have been billed at all.
Business
Response:
Thank you for bringing complaint ID #[redacted] by Ms. [redacted] to my attention. Under the Fair Debt CollectionPractices Act (FDCPA), information regarding a debt may not be disclosed to any third parties without the prior consentof the consumer given directly to the debt collection. {1} However, Americollect, Inc. may disclose informationrega rding the underlying debt to respond to complaint allegations. {2} This communication is not made with a viewtoward collecting the debt. This communication serves as Americollect, Inc.'s timely response to Ms. [redacted]'sconcerns.I sincerely apologize for any inconvenience caused to Ms. [redacted]. On 08/07/ 2015, Ms. [redacted] contacted ouroffice and provided a bank routing and account number for a one-time electronic check payment of $526.50 from herchecking account. As 08/07/2015 was a Friday and check payments can take 3-5 business days to process, the paymentwas not processed until 08/ 10/2015. On 08/ 10/2015, Americollect received an incoming phone ca ll from Ms. [redacted], the person whose account Ms. [redacted] was paying. Ms [redacted] explained that the payment was in order toobtain an apartment and requested that we e-mail the receipt of payment to the company from which she was trying toobtain the apartment . That day, we e-mailed a copy of the receipt to [redacted] perMs. [redacted]'s request. On 08/12/2015, Americoliect received notification that the electronic check supplied by Ms. VanHouten had insufficient funds. Any NSF fees charged by Ms. [redacted]'s bank would need to be negotiated betweenMs. [redacted] and her financial institution as any NSF fees are not charged by Americollect.As is evident by our rapid and thorough response to your office, and subsequently Ms. [redacted], Americollect takescomplaints very seriously. We also take great pride in treating consumers with the respect and professionalism theydeserve. If Ms. [redacted] has any further questions, please co ntact our office between the central time hours of 7amto 9pm Monday - Friday or between the central time hours of gam to Spm, Saturdays.Thank you again for bringing this to our attention and allowing me to respond.
Review: I was in a unique situation with regards to my daughters medical bills in collections. I am divorced from my daughters mother. The mother witheld the bills from me and finally the bills went into collections. They were submitted in Feb 2014, and I receieved a notice from Americollect on December 8th 2014 about the charges and 1 bill of my own. I called numerous times to find out why it took so long to contact me about the debt, to which I got no response or explination, other then that it took them until November 2014 to find out I was the father. They would also not tell me how they came to this conclusion, even without contact with the mother, I was the only one to respond to the letter. My bill was submitted to them in August 2014 and also I was not notified until I receieved the letter December 8th. When I asked why it took so ong to contact me I once again got the run around and no explination was giving, even though the medical faculity gave them my current address and phone number. The daughters debts were there so long that they were already submitted to the credit file, and I was added and automatically dinged without notice or due process to pay or despute the charges. After numerous calls they did remove the debts from my credit file, as they were paid through insurance and taken care of, but they still won't tell me why it took so long nor how they came to the conclusion that I was the father responsible for the bills. I feel Ihave the right to this information and that they are trying to cover up some possible illegal buisness practices.Desired Settlement: A explination as to how they found out I was the father, and what numbers or address they tried contacting me at that made this so prolonged and unnecassary.
Business
Response:
Thank you for bringing complaint ** #[redacted] by Mr. [redacted] to my attention. Under the Fair Debt CollectionPractices Act (FDCPA), information regarding a debt may not be disclosed to any third parties without the priorconsent of the consumer given directly to the debt collection. [1} However, Americollect, Inc. may discloseinformation regarding the underlying debt to respond to complaint allegations. [2] This communication is notmade with a view toward collecting the debt. This communication serves as Americollect, Inc.'s timelyresponse to Mr. [redacted]'s concerns.I apologize for the confusion in regards to the accounts listed in our office for Mr. [redacted]. On 02/07/2014,Americollect received four accounts for [redacted] (Account #[redacted], #[redacted], #[redacted]and #[redacted]) in which the patient's name was [redacted]. The accounts were sent to our office in thepatient's mother, [redacted]'s, name. On 08/28/2014, Americollect received an account for Mr. [redacted] for[redacted] (Account #[redacted]). As Mr. [redacted] has the same last name as the patient on theaccounts listed under [redacted]'s name, our system cross-referenced the two files and flagged them aspotential matches. Before sharing the accounts in which [redacted] was the patient between Ms. [redacted] and Mr.[redacted], a representative checked the [redacted]) to verify if Mr. [redacted] was inany way responsible for the accounts in which [redacted] was the patient. Per case #[redacted] on [redacted], Mr.[redacted] from Ms. [redacted] on 02/08/2010.Per Wisconsin's Marital Property Law: Each spouse has an equal obligation in accordance with his or her abilityto contribute money or services or both which are necessary for the adequate support and maintenance of hisor her minor children and af the other spouse. No spouse may be presumed primarily liable for supportexpenses under this subsection. There is no joint and several liability for these obligations, and creditors maypursue either or both spouses to collect the debt, regardless of who incurred it. Because both spouses arepersonally liable for necessaries, the creditor's right to pursue either spouse is not affected by a divorce, and allof the ex-spouses' assets remain available to satisfy the debt.Because the account listed under Ms. [redacted] had a patient by the name of [redacted] and [redacted] showedthat Mr. [redacted] had previously been married to Ms. [redacted], the representative concluded that Mr. [redacted] isresponsible for the accounts in which [redacted] was the patient. The accounts in our office listed for Mr.[redacted] have since been paid in full and Americollect has requ ested that the three major Credit Bureaus(Equifax, TransUnion, and Experian) delete all record of these accounts from Mr. [redacted]'s credit file.As is evident by our rapid and thorough response to your office, and subsequently Mr. [redacted], Ameri collecttakes complain ts very seriously. We also take great pride in treating consumers with the respect andprofessionalism they deserve. If Mr. [redacted] has any further questions about his accounts listed here, pleasecon tact our office between the central time hours of 7am to 9pm, Monday - Friday or between t he centraltime hours of 8am to Spm, Saturdays.Thank you again for bringing this to our attention and allowing me to respond.
Review: I paid my bill in full, requested to have my name as well as all information of mine taken out of there system after bill cleared. But I was told that all personal info would be kepted indeffinently, in case it is needed in the future. Requested to speak to the head of company, but was told I would only get the same answer. I would like to have all of my personal info cancelled out of there computers.
Business
Response:
Thank you for bringing complaint [redacted] by Ms. [redacted] to my attention. Under the Fair Debt Collection Practices Act(FDCPA), information regarding a debt may not be disclosed to any third parties without the prior consent of the consumergiven directly to the debt collection. (1] However, Americollect, Inc. may disclose information regarding the underlying debtto respond to complaint allegations. (2] This communication is not made with a view toward collecting the debt. Thiscommunication serves as Americollect, lnc.'s timely response to Ms. [redacted]'s concerns.Per state and federal laws, as a licensed collection agency, Americollect must maintain certain records and informationpertaining to accounts that have been listed with our office. Due to these laws, we are unable to expunge Ms. [redacted]'sinformation from our office. Per Ms. [redacted]'s request, we have marked her account as a cease and desist.As is evident by our rapid and thorough response to your office, and subsequently Ms. [redacted], Americollect takes complaintsvery seriously. We also take great pride in treating consumers with the respect and professionalism they deserve. If Ms.[redacted] has any further questions about her account listed here, please contact our office between the central time hours of7am to 9pm, Monday - Friday or between the central time hours of Sam to Spm, Saturdays.Thank you again for bringing this to our attention and allowing me to respond.
Review: Good Morning,
On Americollect’s social media page, they claim that their “Walls Talk” and teach employees to treat clients, consumers and each other with “Fairness.” I couldn’t disagree more with this claim, as I do not feel I am being treated fairly by Americollect, as a consumer.
In 2011, I had a medical bill submitted to Americollect by my healthcare system since I was not able to meet my obligations at the time. In 2012 I was faced with imminent job loss, however managed to make payments to Americollect and eventually pay my debt in full in February 2013. While it did take me some time to pay, I did pay my obligation in full and did not settle for less than I owed.
Americollect is the only collection I have on my credit report. Since I know others that have successfully had a collection removed from their credit report, simply by asking Americollect for a goodwill adjustment, I decided to call them to see if I could be extended the same consideration.
In March of 2013, after my account was paid in full, I called and spoke to a woman that said she couldn’t delete the account, but the credit bureaus could if I filed a dispute with them. I did as she suggested and submitted a dispute to the credit bureaus. Americollect proceeded to validate the debt, completely negating the statement made by their representative when I called.
On April 15th, I decided to email the customer service team at Americollect, in hopes of different, less conflicting results. In only fifteen minutes after I sent my email, I received a sharply scripted response that lacked personal attention to my request. Coincidentally, on April 16th, my credit bureau reported that the status of my account with Americollect had changed from “Paid” to “In collections.” This makes the tradeline more negative than before I’d contacted them. When I asked Americollect about this, they claimed they didn’t make any changes. However as the data furnisher, no one else could have made such a change.
I’ve tried reaching out to them again on May 8, June 3, June 18, July 22, September 12, and October 1, 2013. Once, of all of these instances, I received a form letter in the mail stating they would not remove the account. I feel that they have chosen a position of retaliation by reporting my account in a more negative status after I’d contacted them, and then refusing to return my messages. Americollect contacted me multiple times a day as I paid back my debt. However now that they have received their money, it’s impossible to get any service from this company.
As long as this account remains on my credit report, I am a consumer to this company, and I should be treated fairly, as they claim, and have each of my requests responded to in a personal, non-form letter manner.
The homepage of Americollect’s websites says they are “Ridiculously Nice.” That has not been my experience.
Thank you,
Acct #: [redacted]Desired Settlement: I ask that Americollect remove this account from reporting, as they have done with other consumers.
Business
Response:
Dear Mr. [redacted],
Friday has arrived and I hope you had a
successful week! Attached is my response to complaint #[redacted]. Thank
you for allowing me to respond to Ms. [redacted]'s concerns. Have a great weekend.
-[redacted]
Business
Response:
Dear Mr. [redacted],
Can you believe it is already the end of October! Time sure flies. Hope you are getting all ready for winter.
I have attached our response to Ms. [redacted]'s additional concerns.
Don't forget... change your clock back this weekend! Have a great day!
-[redacted]
Consumer
Response:
Mr. [redacted]:
Review: I talked to at least 4 people today at Americollect. I made a payment over the phone on my bill but told the first person I talked to that I wanted to see the account information on my account and couldn't log in which is why I haven't paid. They gave me the user id and password and then I tried to log in and it didn't work so I called back and they gave it to me again. I was able to get to the log in screen but couldn't complete the log in because their server is not secure and any information can be hacked over the internet and all the confidential information that I might put in including social , credit card etc is not secure apparently their security certificate is outdated. So called again, then they hung up on me and then called again, and was told that IT department is working on it ,then they told me that it was the weather" .I asked for a manager and eventually got Tyler who said that they will "work" on the problem. I asked when they expected it to be resolved and he stated he didn't know. I asked then to have the account information sent to me monthly with an accounting of my payment and what is owed, he stated he could not do that. I told him that I was thinking there is something wrong with being a debt collection agency when the consumer can't look at what is owed and have an accounting of what is paid. I asked for a monthly paper statement so I could mail a payment. He stated again no they don't do that. I told him at that point that I would be filing a complaint. I feel that a legitimate business transaction would include information on the debt being collected.Desired Settlement: I would like to have a paper statement sent to me and I will make a check out and pay snail mail. This is a company that seems to not follow legitimate business practices in terms of debt collection and especially when handing customers financial and confidential personal information.
Business
Response:
Thank you for bringing complaint ID #[redacted] by Ms. [redacted] to my attention. Under the Fair Debt CollectionPractices Act (FDCPA), information regarding a debt may not be disclosed to any third parties without the prior consentof the consumer given directly to the debt collection. {1} However, Americollect Inc. may disclose information regardingthe underlying debt to respond to complaint allegations. {2} This communication is not made with a view towardcollecting the debt. This communication serves as Americollect, Inc. 's timely response to Ms. [redacted]'s concerns.I sincerely apologize for any confusion caused to Ms. [redacted]. On 07/21/2015, our Network Security Administratorlooked into the security of our Weblink. Ms. [redacted] was denied access to her account details, not because the websitewas not secure, but because she did not fill out all the necessary fields in order to continue. Below are screenshots ofwhat would be seen when logging into our Web/ink.As shown above, if all of the required fields are not filled in, the "Submit" button will remain grayed out. I have updatedMs. [redacted]'s account to have receipts sent to the address on file after each payment received by Americollect. She willreceive her first receipt for her payment currently set up for 07/24/2015 and all payments after that.As is evident by our rapid and thorough response to your office, and subsequently Ms. [redacted], Americollect takescomplaints very seriously. We also take great pride in treating consumers with the respect and professionalism theydeserve. If Ms. [redacted] has any further questions about her accounts listed here, please contact our office between thecentral time hours of lam to 9pm Monday - Friday or between the central time hours of 80m to 5pm, Saturdays.Thank you again for bringing this to our attention and allowing me to respond.
Review: My son was hospitalized for injuries sustained while [redacted]. Attempts to have hospital bills payed has been difficult, as certain entities failed to supply itemized billing statements to the insurance carrier. I have all items resolved except for a radiology bill. Attempt to contact radiology and have itemized bills sent to the insurance carrier has not been done. Insurance is still waiting for itemized bill top pay the radiology dept. I was recently received a notification from Experian showing neg. items on my credit report. Starting in Oct. Americollect has been given the responsibility of collecting the unpaid bill from radiology. I have not received any written collection notices and Americollect has been steadily raising the amount due since Oct. 2014. This is unacceptable to continue raising the amount without any attempts to actually collect the money due!Desired Settlement: I will pay the original amount if they will send me a itemized statement and bill for the charges. I want the issue resolved and the negative items removed from my credit history.
Business
Response:
Thank you for bringing complaint ID #[redacted] by Mr. [redacted] to my attention. Under the Fair Debt Collection PracticesAct (FDCPA), information regarding a debt may not be disclosed to any third parties without the prior consent of theconsumer given directly to the debt collection. [1] However, Americollect, Inc. may disclose information regarding theunderlying debt to respond to complaint allegations. (2) This communication is not made with a view toward collectingthe debt. This communication serves as Americollect, Inco's timely response to Mr. [redacted]'s concerns.On 08/ 08/2014, we received six separate accounts for Radiology and Imaging Consultants for a total of $1,052.00. Wehave resent a notice to the address on file per this complaint. The accounts listed in our office are not accruing interest.On 09/17/ 2014, we rece ived an explanation of benefits from Mr. [redacted]. Our insurance department is currently workingwith our client to determine if a claim is able to be filed to Mr. [redacted]'s insuran ce. Due to the nature of the documentsMr. [redacted] has requested, we will send them to the address on file per this complaint via the U.S. Postal Service once wereceive them from our client.As is evident by our rapid and thorough response to your office, and subsequently Mr. [redacted], Americollect takescomplaints very seriously. We also take great pride in treating consumers with the respect and professionalismthey deserve. If Mr. [redacted] has any further questions about his accounts listed here, please contact our officebetween the central time hours of 7am to 9pm, Monday - Friday or between the central time hours of Sam toSpm, Saturdays.
Consumer
Response:
Review: I contacted the company to discuss payments and the Tony the customer rep. tried to add me to the account to make me responsible for my husbands medical bill. I live in [redacted] where that is illegal. [redacted] is a state that cannot hold the spouse responsible for medical bills. This is an illegal act and a violation of my rights.Desired Settlement: I would like the company to pay the bill because they tried to violate my rights.
Business
Response:
Thank you for bringing complaint ID #[redacted] by Ms. [redacted] to my attention. Under the Fair DebtCollection Practices Act (FDCPA), information regarding a debt may not be disclosed to any third partieswithout the prior consent of the consumer given directly to the debt collection. [1] However, Americollect,Inc. may disclose information regarding the underlying debt to respond to complaint allegations. [2] Thiscommunication is not made with a view toward collecting the debt. This communication serves asAmericollect, Inc.'s timely response to Ms. [redacted]'s concerns.I apologize for any confusion caused to Ms. [redacted]. On 02/25/2015, we received an account for Mr. Gary[redacted] from [redacted] (Account #[redacted]). On 03/ 10/ 2015, Ms. [redacted] contacted ouroffice on behalf of her husband, Mr. [redacted], to discuss making payments towards the account listed in ouroffice. She has not been added to the account nor are we holding her responsible for the account. If Ms.[redacted] would like to continue to make payments and contact our office to speak on behalf of her husband,she is able to.As is evident by our rapid and thorough response to your office, and subsequently Ms. [redacted], Americollecttakes complaints very seriously. We also take great pride in treating consumers with the respect andprofessionalism they deserve. If Ms. [redacted] has any further questions about her husband's accounts listedhere, please contact our office between the central time hours of 7am to 9pm, Monday - Friday or betweenthe central time hours of 8am to 5pm, Saturdays.Thank you again for bringing this to our attention and allowing me to respond.
Consumer
Response:
Review: This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt.
Being that they failed to provide it, this is a clear violation of FDCPA. At this point I am entitled to statutory damages, as they continue to report this information and that is highly damaging to me. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid.
Under federal law, I could hire an attorney to sue them at no cost to me and ask for $1,000.00 in damages, since credit bureau reporting is considered a collection activity and have failed to provide legal documentation that they are reporting this account 100% accurate.Desired Settlement: I do not wish to speak on the phone with anyone nor do I wish to engage in a verbal dispute. I am, however, exercising my right under the FCRA and FDCPA and respectfully requesting they delete this tradeline from my credit report, or I will have no choice but to seek legal assistance to stand in a courtroom before a jury and explain my case.
I would like this collection to draft a letter to all three credit reporting agencies (Equifax, Experian, and TransUnion) that this unverified and inaccurate account will be removed from my credit report. I would also like a copy of that letter to be mailed to me as well and for this collection agency to cease & desist all types of communication after the item is deleted.
Business
Response:
Thank you for bringing complaint ID#[redacted] by Ms. [redacted] to my attention. Under the Fair DebtCollection Practices Act (FDCPA), information regarding a debt may not be disclosed to any third partieswithout the prior consent of the consumer given directly to the debt collection, {1} However, Americollect,Inc, may disclose information regarding the underlying debt to respond to complaint allegation s. [21 Thiscommunication is not made with a view toward collecting the debt. This communication serves asAmericollect, Inc.s timely response to Ms. [redacted]'s concerns.On 02.05.15 our client, University Radiology Group P.C, listed an account (#[redacted]) for $75 for Ms. [redacted] inour office. On 02.06.15 we sent a validation notice to the address provided by our client and, subsequently,the same address provided by Ms. [redacted] with her written dispute to Americollect and her complaint to theRevdex.com. We received the written dispute from Ms. [redacted] on 06.12. 15, at that time wecontacted our client, [redacted], for verification of the debt listed by them in our office.On 06.15.15, we received an itemization statement, for the above referenced account, from our client andmailed it to Ms. [redacted] on 06.18.15 to the address provided by our client and, subsequently, the sameaddress provided by Ms. [redacted] with her written complaint to Americollect and her complaint to the BetterBusiness Bureau. Americollect has informed to the three major credit bureaus of Ms. [redacted]'s dispute. Wehave documented your file that you would like no further communication about regarding #[redacted].If Ms. [redacted] feels that this is not her account and she has reason to believe that her personal informationwas used fraudulently we wi ll need the additional information below:- Proof you have contacted the 3 major credit bureaus- Written detailed information on what is being disputedOfficial identity theft police reportNotarized affidavitCopy of your Social Security Card, State ID and/or Driver's LicenseCopy of Credit Report (current within last 30 days)As is evident by our rapid and thorough response to your office, and subsequently Ms. [redacted], Americollecttakes complaints very seriously. We also take great pride in treating consumers with the respect andprofessionalism they deserve. If Ms. [redacted] has any further questions about her accounts listed here, pleasecontact our office between the central time hours of 7am to 9pm Monday - Friday or between the centraltime hours of 8am to 5pm, Saturdays.
Consumer
Response:
Review: This company has incorrectly reported information on my credit reports
I requested proof of service such as a signature saying I approved and service was rendered.
They refuse to provide and state it is not thier responsibility to prove anything that they are just the collector ( the FDCPA states otherwise)
THEY BEAR THE DUTY TO CORRECTLY REPORT AND UPDATE INFORMATION
I asked them if they reported it to the credit agencies and They Stated YES
I then asked them do they not have to verify that the collection is the truth or do they just report everyone
They stated they dont have too provide Me any proof other than a bill
What if someone made a billing error ...do they just report it ............what precautions are in place ?
I then asked what proof they have
They have no viable proof other than billing information that the service was provided at all.
They again stated they are just the 3rd party to collect a debt.
I believe They feel they have no burden to prove the debt is valid beyond a name and dollar amount.
Furthur please take note that this company has a canned response to complaints (Which I have copied and pasted below from the Revdex.com Reviews) if you read the reports they all state the same thing which tells me
they are not reviewing the merits of any complaint Im just another number or another complaint. #47 I think
OPEN QUOTE :
As is evident by our rapid and thorough response to your office, and subsequently Mr. [redacted], Americollect takes
complaints very seriously. We also take great pride in treating consumers with the respect and professionalism
they deserve. If Mr. [redacted] has any further questions about his accounts listed here, please contact our office
between the central time hours of 7am to 9pm, Monday - Friday or between the central time hours of Sam to
Spm, Saturdays. .......END QUOTE
Making A fast response isnt important...... Making and Accurate Response IS .
If they cared about what I had to say when I called them In the first place we would not be having this conversation.
Thank YouDesired Settlement: Remove false report from my 3 credit reports
and all my personna information removed from thier data base
Business
Response:
Thank you for bringing complaint ID [redacted] by Mr. [redacted] to my attention. Under the Fair DebtCollection Practices Act (FDCPAj. information regarding a debt may not be disclosed to any third partieswithout the prior consent of the consumer given directly to the debt collection. [1] However, Americollect,Inc. may disclose information regarding the underlying debt to respond to complaint allegations. [2] Thiscommunication is not made with a view toward collecting the debt. This communication serves asAmericollect, Inc.'s timely response to Mr. [redacted]'s concerns.On 01/07/2015, Americollect received an account from [redacted] (Account #[redacted]) for Mr.[redacted]. On 01/14/2015, a representative spoke with Mr. [redacted] regarding this account. At that time, Mr.[redacted] did not request validation of the account. As Mr. [redacted] is now requesting validation, I have sent anitemized statement to Mr. [redacted] showing the services rendered via the U.S. Postal Service to the address heprovides in this complaint. The statement will arrive within 5-7 business days in an unmarked envelope with a[redacted] return address. I have also updated the account as disputed with thethree major Credit Bureaus (Equifax, TransUnion and Experian). If Mr. [redacted] no longer disputes the validityof the account or feels the account was created fraudulently, he can contact our office and a representativewill be able to help him.As is evident by our rapid and thorough response to your office, and subsequently Mr. [redacted], Americollecttakes complaints very seriously. We also take great pride in treating consumers with the respect andprofessionalism they deserve. If Mr. [redacted] has any further questions about his account listed here, pleasecontact our office between the central time hours of 7am to 9pm Monday - Friday or between the centraltime hours of 8am to Spm, Saturdays.
Consumer
Response:
Review: This collection agency has been calling my job to get a hold of me letting all my coworkers know it's in regards to a collection debt and they need to talk to me. In more than one occasion I have told this agency not to call my job. It is not allowed to have personal calls. This agency still is calling me at work.
Business
Response:
Thank you for bringing complaint 10 #[redacted] by Ms. [redacted] to my attention. Under the Fair DebtCollection Practices Act (FDCPA), information regarding a debt may not be disclosed to any third partieswithout the prior consent of the consumer given directly to the debt collection. {1] However, Americollect,Inc. may disclose information regarding the underlying debt to respond to complaint allegation s. [2J Thiscommunication is not made with a view toward collecting the debt. This communication serves asAmericoliect, Inc.'s timely response to Ms. [redacted]'s concerns.I apologize for any inconvenience we may have caused Ms. [redacted]. After reviewing our records from03/ 15/2016, a representative attempted to contact Ms. [redacted] on a work phone number, as attempts to contacther via other phone numbers provided by Ms. [redacted] at the date services were rendered were unsuccessful. Atthe time of the phone call we were not aware that the work phone number listed on the account was aninconvenient phone number to place a call for Ms. [redacted]. After listening to the phone ca ll that took place on03/15/2016; our representative reached an unknown party at the phone number listed on file, 262-657-6686.Our representative requested to speak with [redacted] and was transferred to a person by the name of[redacted] would not confirm her last name and asked who was calling. Our representative stated hisname and that he was calling from Americollect. Our representative did not disclose Americollect to anyoneother than [redacted]. After our representative disclosed that he was calling from Americollect, [redacted] told himnot call that phone number anymore as it is a work number and promptly ended the call. The representativedid not have an opportunity to disclose any account information as the call was ended abruptly.This is a communication from a debt collectorThis communication is made for the limited purpose of responding to a dispute and is NOT a demand for payment.According to our records, Americollect has not had a conversation with Ms. [redacted], prior to the 03/ 15/2016phone call, in which she stated that she does not want phone ca lls at her place of employment. Per Ms. [redacted]'request for no more communication in this complaint, I have marked her account as a cease and desist toprevent future phone calls regarding her account listed at Americoll ect. I have also updated the account listedin our office for Ms. [redacted] from Aurora Medical Group (Account #113072959) as disputed per her request inthis complaint.As is evident by our rapid and thorough response to your office, and subsequently Ms. [redacted], Americollecttakes complaints very seriously. We also take great pride in treating consumers with the respect andprofessionalism they deserve. If Ms. [redacted] has any further questions about her accounts listed here, pleasecontact our office between the central time hours of 7am to 9pm Monday - Friday or between the centraltime hours of Bam to 5pm, Saturdays.Thank you again for bringing this to our attention and allowing me to respond.Sincerely,
Review: I received numerous harrassing phone calls from this company stating this debt was mine and I asked for proof from the provider that they claim they are collecting for and they will not provide the information requested, and I have told them this debt is not mine. I sent a certified return receipt letter asking for copies of the debt they claim I owe, and received the receipt that they signed for my request on 12/19/2013. Instead I got more harrassing calls threatening me that they would put it on my credit report, which they have now done. I have been working with all three credit reporting agencies to have this removed with little success with the exception of TransUnion who has deleted it because they could not verify the debt.Desired Settlement: I am entitled by law since I'm being falsely accused, copies of the "Bills" from the original company they are collecting for from this company. If they cannot provide these documents then they need to remove this from my credit report from all three agencies.
Business
Response:
Thank you for bringing complaint ID #[redacted] by Mr. [redacted] to my attention. Under the Fair Debt Collection Practices
Review: My account was turned in to Americollect, Americollect called me to set up payments. [redacted] who contacted me from Americollect told me that if I paid 556.00 a month and have the bill paid up before year end that it wouldn't appear on my credit report. Well guess what showed up in Oct.2014 on my credit report. This was a verbal contract and it was recorded by Americollect and they will not let me listen the the recording. Americollect told me the recording is for there use not mine. I asked them to listen to the recording where [redacted] agrees that it will not be turned over to the credit reporting company unless I miss a payment, which I haven't yet. Americollect told me that [redacted] did not mention that in the phone conversation with me. I'm not nuts, this was the agreement and now they will not remove this from my credit report.Desired Settlement: I want this removed from my Credit Report. If not I want the recorded conversation between [redacted] and me.
Business
Response:
Thank you for bringing complaint 10 #10272542 by Mr. [redacted] to my attention. Under the Fair Debt Collection PracticesAct (FDCPA), information regarding a debt may not be disclosed to any third parties without the prior consent of theconsumer given directly to the debt collection. [1] However, Americollect, Inc. may disclose information regarding theunderlying debt to respond to complaint allegations. [2] This communication is not made with a view toward collectingthe debt. This communication serves as Americoliect, Inc.'s timely response to Mr. [redacted]'s concerns.On 01/31/2014, Americollect received 13 accounts in the amount of $5,559.72 for Mr. [redacted] for [redacted]. On02/06/2014, Mrs. [redacted] contacted our office and spoke with a representative. She stated that she and Mr. [redacted] wereunable to pay the balance in full and would like to set up a recurring monthly payment arrangement. The representativeoffered payments of $556.00 per month. The representative stated that the payments would last for 10 months and thepayments would not prevent the accounts from listing with the three major Credit Bureaus (Equifax, TransUnion andExperian) as they were scheduled to report on 04/10/2014 unless paid in full prior to that date. Mrs. [redacted] then set upthe recurring payments with a checking account.On 10/14/2014, Mrs. [redacted] contacted Americollect stating that Mr. [redacted] was upset that the balances were listed onhis credit file and stated that she was told by a representative that they would not list as long as she was makingpayments. A Team Leader reviewed the phone call from 02/06/2014 an d noted that Mrs. [redacted] was told the accountwould be listing with the Credit Bureaus unless paid in full prior to 04/10/2014. On 10/17/2014, Mr. [redacted] contactedAmericoliect and sta ted that he wanted cali recordings from Mrs. [redacted]'s phone call on 02/06/2014 to prove that theywere told the accounts would not list with the Credit Bureaus if payments were set up. We have sent the call to the[redacted] for their review.On 10/20/2014, Mrs. [redacted] contacted our office again. A representative explained that her conversation on02/06/2014 did not include a representative stating that the accounts would be held from her credit file. Mrs. [redacted]stated t hat she understood that the accounts would remain on her credit file and asked if she could dispute the accountto get it removed more quickly_ We have since disputed the account for Mrs. [redacted] per her request on 10/20/2014, ifshe no longer disputes the balance listed in our office or has any further questions, she is able to contact us at1· ###-###-#### Monday· Friday 7am-9pm or Saturday 8am-5pm Central Standard Time.As is evident by our rapid and thorough response to your office, and subsequently Mr. [redacted], Americoliect takescomplaints very seriously.
Review: AMERICOLLECT INC is damaging my credit by reporting a collection account number – 30001F on my credit report that I don’t believe belongs to me. On March 20, 2015, they received a Certified Return Receipt letter from me requesting validation of the debt and as of yet they have not provided me any validation. I have disputed this debt with the Credit Bureaus and they are continuing to report and verify to the Credit Bureaus that this account is mine. This account with AMERICOLLECT INC is erroneous and does not belongs to me. Verification of signed documentation will reveal such validity.Desired Settlement: I would like the account in question and its inaccuracies removed from my credit file.
Business
Response:
Thank you for bringing complaint ID#[redacted] by Mr. [redacted] to my attention. Under the Fair Debt CollectionPractices Act (FDCPA), information regarding a debt may not be disclosed to any third parties without the priorconsent of the consumer given directly to the debt collection. [1] However, Americollect, Inc. may discloseinformation regarding the underlying debt to respond to complaint allegations. [2] This communication is notmade with a view toward collecting the debt. This communication serves as Americollect, Inc.'s timelyresponse to Mr. [redacted]'s concerns.As we stated in our response to Mr. [redacted]'s complaint with the Wisconsin Department of Financial Institutions(DFI), Americollect received an account for Mr. [redacted] from [redacted] (Account #3000lF) in theamount of $43.59 on OS/29/2014. We sent the validation notice to the address on file per our cl ient's recordsand, subseq uently, the address provided by Mr. [redacted] on this complaint. The notice included the validationlanguage:Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portionthereof. this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice, thatyou dispute the validity of this debt or any portion thereof this office will obtain verification of the debt or obtain a copy of thejudgment and mail you a copy of such judgment or verification . If you request of this office in writing with in 30 days afterreceiving this notice, this office will provide you with the name and address of the original creditor, if different from the currentcreditor.We assumed the account was valid as we did not receive a mail return indicating we had an incorrect mailingaddress nor did we receive notification from Mr. [redacted] that he disputed the account until his dispute directlywith the [redacted] on 03/02/2015 and 03/04/2015, approximately 10 months afterthe account listed in our office. In response to Mr. [redacted]'s disputes with the CRAs, we updated the account asdisputed and verified t hat the information given to us by our client matches the information Mr. [redacted] providedwith his disputes.On 03/23/2015, we received a written dispute from Mr. [redacted] in which he requested written proof anddocumentation that the account is actually his. In response to his written request, Americollect obtained anitemized statement from our client. I have mailed the itemized statement to Mr. [redacted]via the u.s. Postal Serviceto the address on file. It will arrive in an unmarked envelope with a [redacted] as thereturn address. The statement will show that the patient is a minor child. The additional $10.06 included onthe account is a collection service fee which Mr. [redacted] would have agreed to when he signed a contract at thetime of service. Mr. [redacted] should allow 5-10 business days to receive the statement. If the minor patient for thisaccount is not the minor child of Mr. [redacted], he can contact our office so we can further investigate.As is evident by our rapid and thorough response to your office, and subsequently Mr. [redacted], Americollect takescomplaints very seriously. We also take great pride in treating consumers with the respect andprofessionalism they deserve. If Mr. [redacted] has any further questions about his account listed here, pleasecontact our office between the central time hours of 7am to 9pm Monday - Friday or between the centraltime hours of 7am to 9pm, Saturdays.Thank you again for bringing this to. our attention and allowing me to respond.