Audited Financial Management Resolvement

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I was not harassing the businessAll I wanted was for [redacted] to respond correctly to my Mortgage Lender about the agreement and arrangements we had made over the phone and I would start making my payments to the collectionThe agreement was starting on December 5, payments of $a month for the total amount balance of $that was all he had to say or even just the amount balanceBut [redacted] did not want to respondWe could have help each other on both ends Regards, [redacted]

Our response has not changed We had a previous offer to settle the account with Ms [redacted] that she did not perform We have no need to offer long term payment programs or discounts on the total amount owed We feel if Ms [redacted] truly wanted to make payments on this debt she would have done so previously We believe she only wanted a letter saying she has entered into a payment program with out making any payments Our agency does not have letters that state a debtor is entering or attempting to make payments on a debt We made a previous offer to help Ms [redacted] and she refused to make the payments We will agree to settle the balance for a cash payment of if paid this week

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I was absolutely not offered to speak with any PFC (Patient Financial Counselor) to discuss any further payment needs and just the sound of it makes me scared of the cost So of course I didn't ask to speak with anyone The secretary told me $that's it I did what I was told on the phone and paid the $ If there would have been ANY knowledge of additional costs I would have declined appointment I should not be held responsible for someone else's miscommunication Being told it would have required me to setup a payment plan with a Financial Counselor would have made me hang up the phone as soon as I would have heard it as just typing it makes me cringeYes I spoke with the Doctor about lab test costs and declined some because she said they were "costly"...but was never given a price and still find charges outrageous BUT I'm making payments on them because I was aware of an additional costThere is no reason I should have to setup a payment plan to pay a bill I was given misleadingly Again I was told it was $to see the doctor and nothing else was mentioned and I paid it...I shouldn't be held responsible for someone else's employees mistakeThanks
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear
I am only able to pay $per month and I can't pay $downI would also be asking that this not include the interest as the amount owed on my credit report, ***, is $When we have a settlement I would like it in writing and reported as "PAID IN FULL" to all credit reporting agencies after its paid-off.
Regards,
*** ***

Our response has not changed.  We had a previous offer to settle the account with Ms [redacted] that she did not perform.  We have no need to offer long term payment programs or discounts on the total amount owed.  We feel if Ms. [redacted] truly wanted to make payments on this debt she would have done so previously.  We believe she only wanted a letter saying she has entered into a payment program with out making any payments.  Our agency does not have letters that state a debtor is entering or attempting to make payments on a debt.  We made a previous offer to help Ms. [redacted] and she refused to make the payments.  We will agree to settle the 3540.00 balance for a cash payment of 3000.00 if paid this week.

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]
 Again the person I spoke with on the phone said it was $50. She didn't say anything else. I understand their/your procedure but it was evidently not followed as I was never offered to speak with anyone else. So regardless of emails sent her main job of explaining to a potential client wasn't done. I haven't gone to the doctor in years and have never been aware of financial counselor. I'm sorry but this mistake should be held to the person responsible not to someone that was not properly advised UPFRONT! I can't charge clients if my employees make mistakes so nether should you especially when your business is to help people not mislead them and charge for things they were not told.  That's just not ethical

We will agree to the claimant's offer to settle the account for $1770.00 payable @ $100.00 per month for 18 months if we receive the the first payment at our [redacted] by 5/28/14 and if all payments are paid on time by the 28th of each consecutive month.  We only report to one credit bureau which is [redacted] and will report the account to them as Paid-In-Full at our regular time and mode of reporting if all payments have been paid on time.  If any payment is late or not paid consecutively then this settlement is withdrawn and the actual amount owed to our agency will need to be paid with accrued interest at the time of failure of this settlement offer.  This response will be the only letter of our agreement to accept the offer of settlement made to our agency.  We agree to stop collection efforts so there will be no payment coupons or payment reminders and there will be no notice of default or failure.  We will simply post the payments to the current account balance which includes accrued statutory interest and will discount the balance to show zero when the last payment is received on time and is consecutive. We will continue to report the actual balance of the account to [redacted] at our regular time and mode of reporting.

Ms [redacted] moved out of her rental unit on 7-30-12.  We sent her collection letters starting 10-16-12 to both her last know add on[redacted] and to an additional address on [redacted].  Then on 8-4-14, she called our office at 5pm and said we are on her credit bureau.  she ask for...

proof of the debt that day even though the post office was closed at  5pm and so was our office.  we said we would mail the docements to prove the debt the next day which we did the very next day on 8-5-14.  She called in the morning of 8-6-14 and said she did not receive our documents.  We told her did what we promised and should wait for the mail.  She called back on 8-7-14 and said she got our documents and that she wanted to make payments.  She was told we need 1/3 down and the balance over 12 months.  Ms [redacted] said she did not have the down pay.  She said she would send 200 on 8-27-14 and 1000 before 10-31-14 and ten 200 per month till the balance was paid in full.  We did not get a oayment in August or September or October.  She called on 10-30-14 and wants a pay schedule of 150 per month until paid in full and wanted a letter stating she is attempting to pay her bill.  W told her we do not have letters saying someone wants to pay their bill but we have letters that say she owes her balance and letters saying she paid her balance.  Ms [redacted] or her designate called us 7 times on 10-30-14 asking for the same thing.  Ms [redacted] was harassing our office.  Ms [redacted] called on Friday 10-31-14 and said she was sending total balance that day.  On Monday 11-3-14 she called and said she did not send the balance in full and has no money. butstill wants a letter saying she wants

We would like to address the complaint filed by [redacted] with the Revdex.com. The complaint was in regards to the patient's visit costs being falsely advertised. Our process for scheduling an un-insured patient is as follows: When calling to schedule an appointment as an un-insured patient, our...

scheduler will indicate to the patient that they are required to pay $50 at the time of their visit. They are then offered to speak with a Patient Financial Counselor (PFC) to further discuss payment options and pricing for the visit they have scheduled, lithe patient chooses not to speak with a PFC an email will be forwarded to the PFC~: indicating that an un-insured patient was scheduled.
On 04/06/2015 the PFCs were sent an email that indicated the appointment for [redacted] was scheduled for a new patient exam with other concerns. In the email they stated the patient was advised to toting $50 to the appointment and the PFCs were provided the patient's phone number tn contact if there were any questions. The PFCs did not contact the patient because there was no existing bad debt for the patient and the appointment was only scheduled for an office visit. The patient would then be billed for services rendered beyond the $50.00 payment received. If a patient is unable to pay in full, the statement lists contact information for the business office and possible payment options.
During the patient's visit Dr. [redacted] has in her dictation that there was a concern on the cost of the tests the patient needed. Dr. [redacted] made recommendations on where else the patient could have these tests completed that may be more cost effective compared to having them in our office.
On 06/10/2015 the patient called the business office and briefly spoke with our PFC [redacted], [redacted] explained to the patient that the $50.00 is the up"front costs for services for an un-insured office visit and that the patient would be billed later for what they are seen for. Our office does not automatically quote a patient their office visit charge and would not have been initially aware of any lab work, etc. that would have been completed unless the patient further inquires on the cost of their visit. [redacted] then offered to set up payment arrangements with the patient The patient declined and requested to speak with a supervisor.
The patient was then transferred to speak with myself, the Lead PFC, to further discuss his concerns. I also explained our $50.00 up front requirement and also mentioned the conversation the patient had with Dr. [redacted] regarding costs. The patient then asked me to waive the Doctor's charge ($409.15) and he would pay for the lab work costs ($284.75). I indicated we have applied a 15% un-insured discount but the remaining balance would remain his responsibility. The patient then disconnected the call. There has been no further contact with the patient since the date of this conversation and we have continued to send billing statements for the services rendered.
We apologize for the misunderstanding of our billing practices and we are able to accommodate the patient by working out a payment arrangement for any remaining balance due.
 
Respectfully,
[redacted]

Your complaint against our agency is confusing---we do not understand what is being requested by your organization or the person making the complaint---we have sent the documents necessary to validate the debt previously to the debtor.
The charges in collection at our agency is do to...

the following:
     Moved out 2 months early on lease
     Full 30 day notice was not given
     Apartment was not cleaned
     Carpet was not cleaned
     Carpet was damaged
     Move-in concessions were charged back
     Utility bill unpaid
     Parts and materials need payment
     Statutory interest is due on the balance
Our company has offered to settle the $2397.00 balance for $1600.00 which is a 1/3 discount and allowed to pay this settlement offered by paying $800.00 down and 100.00 per mo for 6 months

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I was not harassing the business. All I wanted was for [redacted] to respond correctly to my Mortgage Lender about the agreement and arrangements we had made over the phone and I would start making my payments to the collection. The agreement was starting on December 5, 2014 payments of $125.00 a month for the total amount balance of $3000.00 that was all he had to say or even just the amount balance. But [redacted] did not want to respond. We could have help each other on both ends.
Regards,
[redacted]

Your complaint against our agency is confusing---we do not understand what is being requested by your organization or the person making the complaint---we have sent the documents necessary to validate the debt previously to the debtor.

The charges in collection at our agency is do to...

the following:

     Moved out 2 months early on lease

     Full 30 day notice was not given

     Apartment was not cleaned

     Carpet was not cleaned

     Carpet was damaged

     Move-in concessions were charged back

     Utility bill unpaid

     Parts and materials need payment

     Statutory interest is due on the balance

Our company has offered to settle the $2397.00 balance for $1600.00 which is a 1/3 discount and allowed to pay this settlement offered by paying $800.00 down and 100.00 per mo for 6 months

We will agree to the claimant's offer to settle the account for $1770.00 payable @ $100.00 per month for 18 months if we receive the the first payment at our [redacted] by 5/28/14 and if all payments are paid on time by the 28th of each consecutive month.  We only report to one credit bureau which is [redacted] and will report the account to them as Paid-In-Full at our regular time and mode of reporting if all payments have been paid on time.  If any payment is late or not paid consecutively then this settlement is withdrawn and the actual amount owed to our agency will need to be paid with accrued interest at the time of failure of this settlement offer.  This response will be the only letter of our agreement to accept the offer of settlement made to our agency.  We agree to stop collection efforts so there will be no payment coupons or payment reminders and there will be no notice of default or failure.  We will simply post the payments to the current account balance which includes accrued statutory interest and will discount the balance to show zero when the last payment is received on time and is consecutive. We will continue to report the actual balance of the account to [redacted] at our regular time and mode of reporting.

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear 

.

I am only able to pay $100.00 per month and I can't pay $800.00 down. I would also be asking that this not include the interest as the amount owed on my credit report, [redacted], is $1770.00. When we have a settlement I would like it in writing and reported as "PAID IN FULL" to all 3 credit reporting agencies after its paid-off. 

Regards,

Ms [redacted] moved out of her rental unit on 7-30-12.  We sent her collection letters starting 10-16-12 to both her last know add on[redacted] and to an additional address on [redacted].  Then on 8-4-14, she called our office at 5pm and said we are on her credit bureau.  she ask for...

proof of the debt that day even though the post office was closed at  5pm and so was our office.  we said we would mail the docements to prove the debt the next day which we did the very next day on 8-5-14.  She called in the morning of 8-6-14 and said she did not receive our documents.  We told her did what we promised and should wait for the mail.  She called back on 8-7-14 and said she got our documents and that she wanted to make payments.  She was told we need 1/3 down and the balance over 12 months.  Ms [redacted] said she did not have the down pay.  She said she would send 200 on 8-27-14 and 1000 before 10-31-14 and ten 200 per month till the balance was paid in full.  We did not get a oayment in August or September or October.  She called on 10-30-14 and wants a pay schedule of 150 per month until paid in full and wanted a letter stating she is attempting to pay her bill.  W told her we do not have letters saying someone wants to pay their bill but we have letters that say she owes her balance and letters saying she paid her balance.  Ms [redacted] or her designate called us 7 times on 10-30-14 asking for the same thing.  Ms [redacted] was harassing our office.  Ms [redacted] called on Friday 10-31-14 and said she was sending total balance that day.  On Monday 11-3-14 she called and said she did not send the balance in full and has no money. butstill wants a letter saying she wants

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

I was not harassing the business. All I wanted was for [redacted] to respond correctly to my Mortgage Lender about the agreement and arrangements we had made over the phone and I would start making my payments to the collection. The agreement was starting on December 5, 2014 payments of $125.00 a month for the total amount balance of $3000.00 that was all he had to say or even just the amount balance. But [redacted] did not want to respond. We could have help each other on both ends.

Regards,

Our response has not changed.  We had a previous offer to settle the account with Ms [redacted] that she did not perform.  We have no need to offer long term payment programs or discounts on the total amount owed.  We feel if Ms. [redacted] truly wanted to make payments on this debt she would have done so previously.  We believe she only wanted a letter saying she has entered into a payment program with out making any payments.  Our agency does not have letters that state a debtor is entering or attempting to make payments on a debt.  We made a previous offer to help Ms. [redacted] and she refused to make the payments.  We will agree to settle the 3540.00 balance for a cash payment of 3000.00 if paid this week.