Atlantic Engineering & Survey Consultants

After receiving this complaint we contacted out client and informed them that Ms [redacted] stated the information provided at the time of service did not match her information We have closed the accounts and requested to have our trade line removed from her credit report We have red flagged the accounts as possible identity theft This communication is from a debt collector

Paramount Recovery Systems received Ms [redacted] account in our office on March 4, from our client, [redacted] Inc Paramount Recovery Systems did not speak to Ms [redacted] ’ on November 11, per her complaint Our first communication with Ms [redacted] was on April 20, At which time Ms [redacted] stated that she had only been in an ambulance one time and she had not lived at the prior address The representative did verify her date of birth, her two last names and updated her address We informed our client of what M.s [redacted] stated and our client provided us an itemized statement to send to Ms [redacted] updated address on May 13, Paramount Recovery Systems did not speak to Ms [redacted] after the itemized statement was sent We did try to call and speak to her on May 23, to see if she received the itemized statement that we mailed, but received a no answer After receiving this complaint we informed our client, [redacted] Inc., that Ms [redacted] is still claiming identity theft We closed the account in our office and requested to have our trade line removed from Ms [redacted] through E-Oscar Please see attached deletion letter This communication is from a debt collector

After receiving this complaint we forward the complaint to our client CP Medical LLC Athens Emergency Medical Associates PA Our client has requested Paramount Recovery Systems to close the account in our office and red flag as a possible identity theft We will be contacting the three major credit bureaus and requesting our trade line to be removed from Mr***' credit report Please allow the credit bureaus up to days to complete this process This communication is from a debt collector

Paramount Recovery Systems has seven accounts for Ms [redacted] from our clients, [redacted] , [redacted] , and [redacted] *** Ms [redacted] has not communicated with anyone in our office Per our client she has spoken to them concerning the accounts Ms [redacted] has disputed some of her accounts through the credit bureaus and Paramount Recovery Systems has provided the information requested to the credit bureausPer our client, [redacted] , they spoke to Ms [redacted] on September 30, at which time she was informed the insurance provided on the date of service denied Ms [redacted] gave our client, [redacted] , updated insurance [redacted] Our client refiled the claim to the correct insurance and [redacted] processed the claim on October 4, Ms [redacted] now has a balance of for deductible on that account Per our client, [redacted] ***, three claims were denied by [redacted] for Pre Existing Creditable Coverage The other account [redacted] denied on November 30, On January 1, our client, [redacted] ***, spoke to Ms [redacted] and informed her that the claims had denied Ms [redacted] informed our client that she had [redacted] at the time of service Ms [redacted] was informed that [redacted] had denied previously and Ms [redacted] stated she would call back once she located the insurance card to verify insurance group number and address Ms [redacted] did not call back and provide insurance informationOn March 2, our client, [redacted] , tried to file claim to [redacted] and the claim denied as patient cannot be identified Our client, [redacted] , mailed Ms [redacted] a letter requesting insurance information Ms [redacted] did not respond to our client’s letter with updated insurance information [redacted] also stated that on Ms [redacted] October 6, date of service Ms [redacted] did not provide insurance information Paramount Recovery Systems has marked Ms [redacted] accounts as disputed and mailed the validation documents provided to us by our clients’ If Ms [redacted] has questions after she receives her documents she may contact [redacted] at [redacted] ext*** This communication is from a debt collector

Paramount Recovery Systems has one account in our office for Mr [redacted] from our [redacted] We are a third party collection agency that collects directly for our clients We have contacted our [redacted] and informed them of Mr [redacted] ’s complaint [redacted] has provided Paramount Recovery Systems with validation documents that we are mailing to Mr [redacted] by certified mail In the validation documents will be the contract Mr [redacted] signed stating that if his account is not paid it will be sent to a third party collection agency If Mr [redacted] has any questions after receiving the validation documents he can contact [redacted] at ###-###-#### for further information This communication is from a debt collector

Paramount Recovery Systems is not sure why Mr [redacted] did not receive the deletion letter until December 30, We mailed the letter on December 13,and did not receive the Revdex.com complaint in our office until after business hours on December 29, The only time Paramount Recovery Systems has spoken to Mr [redacted] since paying his bill was on December 21, at that time Mr [redacted] was asking about the removals We did not speak to Mr [redacted] times about the status of his letter Since responding to this complaint we have received disputes through the credit bureaus When a consumer disputes through the credit bureaus it reactivates the accounts on the credit, counter acting the removal from the credit report Paramount Recovery Systems has responded back to the disputes through the credit bureau and requested the accounts to be removed again from Mr***'s credit report Paramount Recovery Systems has taken all proper steps to have Mr***'s accounts removed from his credit This communication is from a debt collector

Complaint: [redacted] I am rejecting this response because:Paramount's statement: On September 25, we spoke to Mrs [redacted] and she stated she had already paid this and she did not have any proof, but she was going to look for proof and to follow up with her in a week On September 28, Mrs [redacted] called back and stated that she found a letter from the other collection agency and she was going to send it in with a copy of the cashed check.My response: No, I did not say I was going to send a copy of the cashed check! To set the stage, my husband and I remembered an odd collection letter three years ago regarding an incident that happened three years before in –we took our son to the emergency room as a precaution after football practiceWe thought all had been paidThen came an odd letter from [redacted] my husband paid them and remembered it was a check by phone.Three years later, in 2015, Paramount Recovery calls regarding the same amount on the same dateI told Paramount I would look for proof that it had been paidI found the [redacted] letter that had a confirmation number given to my husband when he paid with a check by phoneI tried to track down [redacted] for proof but all phone numbers regarding [redacted] were dead endsSo I turned to my credit union to find the payment from three years beforeWhen I called Paramount back I told them I would send a bank statement showing the money had been withdrawn through a payment portal (check by phone) by the [redacted] Law GroupI never volunteered a canceled check because we had paid by giving our routing number and bank account over the phone to the [redacted] ***.Paramount statement: At this time the account was placed into a status to check with our client, CP Medical, for a payment On September 29, we received an email from Mrs [redacted] with two attachments One attachment was a screen of Paramount Recovery Systems webpage showing her account information in our office The second was a letter from a different collection agency dated August 2012.My response: I sent Paramount four attachments, not two, FOURI sent them on September 28, not 9/and I have the emails to prove it.Two attachments were the ones mentioned by Paramount in the above statementThe third was our bank statement from August and the other was a screen shot of what I found regarding [redacted] on the Revdex.com website and I’ll get to that later.Our statement showed $had been taken from our account We did not authorize the additional money to be taken by the [redacted] ***, the agency's letter clearly states that we owed $339, [redacted] took $353, the additional $was unauthorizedParamount wants to use the difference to demonstrate that it is not the money previously paid on behalf of their client, but it is not a different amount, [redacted] helped itself to the extra $Paramount knows the amounts match, but they want to pretend they don'tAlso, Paramount wants to confuse the issue by naming two different clients: The client [redacted] lists in the August letter is Taylor Emergency Medicine Asc PA, Paramount told me its client is a doctor, but they referred to the client as CP Medical on their websiteWhich is it, a doctor or CP Medical?...either way I would suspect that since this request for payment was from 2009, the group requesting payment may very well have changed its nameI still have to wonder, however, why they told me the client was a doctor and not CP MedicalEither way, I have never heard of any of them, whoever the doctor is, CP Medical, or Taylor Emergency PA, we went to Abilene Regional Medical CenterWhat does match is the date of service (Paramount gave that to us over the phone) and the amount of $on the [redacted] letter and on the Paramount website(By the way, it would be really nice to have something in writing from Paramount other than a phone call and a website since both are controlled by them, it’s a bit of a moving target since a website can be changed by them and any recording over a phone is also controlled by them.)The fourth of the four attachments I sent to Paramount was a screen shot from the Revdex.com showing that [redacted] gets a D- from the Revdex.comThe Revdex.com page also states there is an alert on this business! The bank statement I sent to Paramount as proof that this has been paid clearly shows [redacted] took the money...the question is, where did the money go? Since the money was paid to a collection agency hired by the same client, I told Paramount they need to contact [redacted] because it has clearly been paidParamount told me they couldn’t find [redacted] either (I had made indications on the [redacted] letter that I had not been able to reach them to provide proof)Paramount continues to harass me because I am not slippery and they want the money!! They don’t care that it has been paid so they insist that no proof has been provided.Paramount: The letter sent to us does have the same name of the provider we are collecting for and the same balance, but the original account number listed is different than the account number in our office The letter has an original account number of [redacted] and the original account number Paramount Recovery Systems is collecting on is [redacted] The letter sent to us also had a hand written confirmation number written in blue ink In black ink it states paid Aug 14, and has a balance written next to it for This balance doesn’t match the balance in our office.My response: The black ink Paramount refers to was written by me on September 28, in a black Sharpie pen more than three years after the blue ink confirmation number was written by my husbandI wrote: "Paid August 14, 2012, Electronic-August 14, $353." That was a note I jotted down when I was on the phone with my credit unionIt was also on September 28, 2015, that I requested my credit union to fax me the statement showing the payment was made to [redacted] The statement shows that the request came through the payment portal on August and was paid on August 14, 2012, to [redacted] The [redacted] letter is dated August 8, 2012, which I believe shows how quickly we responded to [redacted] regarding a balance we did not know we owedThe short delay between August on the letter and our response is the delay between the time the letter was written and the time it was deliveredDuring that time my husband also called Abilene Regional Medical Center, where we took our son in 2009, and spoke to [redacted] to find out if the charge was legitimateShe told my husband we did not owe the hospital but an additional charge could possibly come from a doctor It is odd, however, that we would be asked to pay $three years after the emergency room visitParamount: We submitted the letter to our client, CP Medical, for them to verify if payment was received even though the original account number was different On October 2, the client, CP Medical, responded no payment was received on the account in our office and they would need proof of payment We tried to contact Mrs [redacted] several times to inform her that the client, CP Medical, stated they would need proof of payment On October 21, we were able to speak to Mrs [redacted] and informed her that our client, CP Medical, was requesting her to send more information on the account and would need proof of payment Mrs [redacted] stated that is all the information she had and that was proof of her payment.My response: I take exception to Paramount's statement that they tried to contact me several times and then finally on October they got in touch with meThat indicates that Paramount is trying to act like I was avoiding themI did not hear from Paramount after I emailed them the proof (credit union statement) that the matter was settledI showed them proof that the funds had been taken by the previous collection agency -- a fact that Paramount has conveniently not mentioned to you, remember, they said there were only two attachments.Paramount: After receiving Mrs [redacted] Revdex.com complaint we went back to our client CP Medical and asked for them again to verify if they had received a payment and resent them the document Mrs [redacted] had sent The client responded back that they have not received payment for this account and that they would need proof of payment.We never received a copy of the cashed check or any other proof of payment Please find attached the documents we did receive from Mrs [redacted] .My response: Again, I never promised them a copy of a cashed check because we did the payment over the phone -- there is no record of a cashed check and we did not promise that because we could only show a credit union statement as proof but yet Paramount wants to act like we could not fulfill a promise to them, AND we could provide no proof...both of these statements by Paramount are untrue! Also, they clearly saw a confirmation number from [redacted] written on the letter.In summary, we are making this complaint against Paramount because of continued harassment and insistence that we need to provide more proofIn their above response, they have lied regarding the attachments and the so-called promised canceled checkThey also have been trying to confuse the issue with naming different clients and different amounts while they can clearly see the dates of services are the same and the amounts are the sameThey do this with phone calls and point to their website as some kind of proof to us that they are owedAlso, I suspect they don’t provide information in writing because they can’t control or change a letter once it has gone out like they can control the website.We also filed a complaint with the Revdex.com regarding [redacted] We feel victimized by both of these companies over a claimed debt that has been paid and proof has been providedSecond, regarding [redacted] , they were hired by whomever we supposedly owed this money to, they took it and apparently did not give it to the clientWe have been victimized by [redacted] twice taking the money for their own and the extra $and now we are victimized by Paramount with lies and continued harassment even though they have all that can be provided and all the proof that is needed regarding a six year old claim Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: I have sent over HIPPA letter and no response, this company has not sent over any information validating this debtThe credit bureaus are reporting this debt to be validate starting June This office did not just receive ths debt they are lyingIt is against the lawHIPPA law is designed to provide privacy standards to protect my medical records and other health information provided to health plans, doctors, hospitals and other health care providersMy rights have been violated Regards, [redacted]

Collection agencies can’t arbitrarily delete an account from a consumer’s credit report because the account gets paid in full We must report the account as paid in full to the credit bureaus After receiving this complaint we did contact our client, [redacted] [redacted] , and informed them that you were trying to buy a house and this account on your credit was causing you a hardship Our client has given us the approval to do the deletion on the account because of your hardship This communication is from a debt collector

Paramount Recovery Systems has two account in our office for [redacted] from our client C [redacted] We are a third party collection agency that collects directly for our clients and we do not purchase debts We have contacted our client [redacted] and informed them of [redacted] complaint C [redacted] will be providing Paramount Recovery Systems with validation documents Once the validation documents are received and an investigation has been completed we will send the validation documents to [redacted] If Mr [redacted] has any questions once validation documents are received please contact [redacted] at ###-###-#### This communication is from a debt collector

Paramount Recovery Systems has not had any other communication from Mr [redacted] other than his Revdex.com complaint We have not received a police report from Mr [redacted] or been told this is fraud In Mr [redacted] ’s original complaint he claimed he did not have a written agreement with Paramount Recovery Systems We are a third party collection agency and his agreement would be with our client We have gone ahead and informed our client that Mr [redacted] is claiming identity theft and returned the account to our client We have also red flagged Mr [redacted] in our office as possible identity theft

Paramount Recovery Systems did send [redacted] her paid in full and deletion letter by email on April 3, at 2:22pm Central time We apologize that the request took longer than expected We try very hard to stay in the timeline promised This communication is from a debt collector

Complaint: [redacted] I am rejecting this response because: The Paramount response is not accurate If I have not called in so many times how did I get the names of [redacted] ? Without speaking to them? I keep excruciating notes I was told by Donald that the system was showing this account as closed in months prior when It had been paid with all the others The envelope that I received the proof of payment had all of the accounts except the one that we are communicating about now If they have a problem in their system, I understand that I am using this forum as a forum to get this resolved This account is the only one still on my credit, (all 3) and is the only one I did not receive the letter showing as paid until many calls and I was finally emailed a copy Jennifer, Elana, Elizabeth, Melissa, Janet, Doug, & Donald have all been pleasant and professional, however the problem still exists Again, I'm not angry with anyone, I would just like to get this resolved Regards, [redacted] ***

The signature Ms [redacted] is referring to in this complaint and her CFPB complaint states "PT (patient) Unable to Sign" Our client provided addition documents to be sent to Ms [redacted] for the date of service because she was not able to sign her documents at that time of registration A copy of her drivers license that was provided on the date of service along with the discharge papers that she signed were attached to the validation documents

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory pending removal from all three credit agencies Regards, [redacted]

Paramount Recovery Systems has two accounts in our office for Ms***The first account is from our client, [redacted] , for and the second account is from our client, [redacted] ***, for Both of these accounts are patient share after insuranceOn June 10, Paramount Recovery Systems received a dispute letter from Ms [redacted] requesting proof of signature on her accountsAt that time we contacted our clients and informed them of Ms***’s disputeOur clients provided us the validation documents and after our investigation the documents were sent by certified mail to the updated address provided in her dispute letterOn July 28, the validation documents were sent back to our company as unclaimedOn June 2, Paramount Recovery Systems received another dispute letter from Ms [redacted] requesting proof of signatureParamount Recovery Systems again contacted our clients and informed them of Ms***’s disputeAfter receiving the validation documents and completing our investigation we again mailed the validation documents to Ms [redacted] by certified mail to her updated address provided on her second dispute letterThe validation documents we returned to our office on July 27, as unclaimedOn September 12, Paramount Recovery Systems received a fax letter from Ms [redacted] claiming that we have not responded to her dispute lettersParamount Recovery Systems had ended responded to Ms***’s dispute letters, but both times the validation documents were returned to our office as unclaimed by the United States Post OfficeParamount Recovery Systems again contacted our clients and requested the validation documents and mailed the documents yesterday, October 3, 2017, through the regular mail instead of by certified mailIf Ms [redacted] has any questions after she receives the documents she can contact [redacted] ***This communication is from a debt collector

I am rejecting this response because:i have spoken with the office , if not removed I will be obtaining a police report

Complaint: [redacted] I am rejecting this response because:This still does not explain what this is regarding and that is not my address Regards, [redacted]

Paramount Recovery Systems has two accounts in our office for Ms [redacted] from our client [redacted] We are a third party collection agency that collects directly for our clients We have contacted our client [redacted] and informed them of Ms [redacted] ’s complaint [redacted] has provided Paramount Recovery Systems with validation documents that we are mailing to Ms [redacted] ’s by certified mail In the validation documents will be the contract Ms [redacted] signed stating that if her account is not paid it will be sent to a third party collection agency If Ms [redacted] has any questions after receiving the validation documents she can contact [redacted] at ###-###-#### for further information This communication is from a debt collector

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meThank you for taking the time to review this issue Regards, [redacted] ***