The consumer states he paid an account with our office in August and that same account was later paid by the *** ** *** *** in December 2014. He would like a refund. We agree he should receive a refund of his payment if the ** paid it and we are working on getting
that for him. We spoke to the consumer and asked that he send us the letter the ** sent him showing the payment made to the creditor. He has agreed to do that. We will be sending a copy of the ** letter to the creditor when we
receive it and also show the creditor that we sent payment to the
creditor. Unfortunately, as the creditor no longer lists accounts with our office, we have not been able to resolve this issue without the ** letter. We will continue to work on this with the consumer until he receives the refund to which he is entitled. The consumer has the direct contact number for our *** *** *** and has been encouraged to call him if the consumer does not hear from him in the next days
The consumer expressed concern about hold times, calls being transferred and a check not being posted. The consumer requests confirmation of the check being applied to the correct accounts and an acknowledgment that the accounts are paid in full. We spoke with the consumer today and
apologized for not being as helpful as we could have been on the initial calls. We explained that the check has been posted to the accounts requested and those accounts are paid in full. The consumer has the direct number for our *** *** *** in the event she has any questions
The consumer requests a letter from us indicating the account was not sent for credit reporting, the account was "invalid," that we no longer have the account and the reason we no longer have the account. We did send a letter to the consumer explaining what happened, that the account was never
sent for credit reporting, that it was returned to the creditor and why it was returned
The consumer makes several statements that we are not able to respond to as it is not clear what the specific allegations are. If additional information would be provided, we may be able to address the claims.The consumer states "this business is a sub company of state collections agency out
of madison wi..." We do not know what the consumer is referring to. We are State Collection Service, IncThe consumer states "it does not properly identify itself by company, type of agency and name of individual of person calling to speak with whom ever." Given that the consumer states "this business is a sub company" it is not clear if the consumer is saying we do not properly identify our company. Again, we are State Collection Service, Inc. The consumer states "they only ask name to verify which is a privacy issue." This consumer in a prior complaint to a government agency complained that we had asked for his full social security number rather than just the last digits in an attempt to verify his identity. It is not clear what the consumer is claiming we did wrong here.As to the remaining areas, we apologize if the consumer was "dropped" into a hold line and was not able to speak with anyone. It appears that the consumer was able to speak with someone though given his complaint. We do not believe calling every day (if we did) or multiple times in one day (if we did) in order to reach someone to discuss an account is harassment. We do acknowledge speaking to the consumer regarding some accounts that were in fact resolved, which we discovered after our communication with the consumer who said the accounts were resolved. We are a licensed collection agency in the state of Wisconsin
The response from the business stated that they would not remove this information from my credit report. I have asked for a signed contract that proves that I gave permission for them to have a copy of any medical records that may or may not be associated with me. I did not give any permission to any current or prior medical provider to release my medical information. I am allowed under the Health Portability and Accountability Act to protect my privacy and and medical records from any third parties. I want this information removed immediately from all three major credit reporting agencies until the company can furnish the mentioned contract.
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. I have not received anything from this collection agency.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
Marquis [redacted]
The consumer claims that we have not been communicating with her. We are perplexed by this complaint. As the consumer references, there were basically two sets of accounts she was working with us on. Regarding the first set of accounts, we exchanged numerous emails with the...
consumer. In one of her responses dated 2/2/17, the consumer stated: "Thank you for the constant communication." In the second set of accounts, we again sent many responses to emails. Apparently, the consumer did not receive our numerous communications in response. However, the consumer, today, at 1:23 p.m., in response to our communications, said: "Thank you very much!" Accordingly, we believe we have been responsive to the many consumer requests.
The consumer alleges it is not lawful to charge 5% interest on an account placed with our office by the creditor. Wisconsin law has long provided that a creditor who is not paid is entitled to charge 5% on the unpaid amount. The Wisconsin Department of Financial Institutions, the...
government entity that regulates collection agencies in Wisconsin, specifically provides that such a charge can be added. There is no requirement that the consumer agree to the charge in writing. The 5% charge begins accruing on the account once it is placed with a collection agency. The creditor authorized the addition of the 5% charge. We are not required to refund the lawfully assessed 5% per year interest charge. Please do not hesitate to contact us should additional information be required.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response letter sent to me by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
As indicated in our prior response, we request deletion from credit reporting on paid accounts. We are not requesting removal of accounts from credit reporting that are not paid under these circumstances.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
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 me.
Regards,
Claudia [redacted]
The consumer states she paid this account to the creditor after the account was placed with our office and states she has not received notification that the account was placed with our office. The account was placed in our office on February 5, 2015. A letter was mailed to the consumer...
notifying her of the placement on or about February 6, 2015. We do not show that the mail was returned. However, after we forwarded the consumer's complaint to the creditor, the creditor requested we cancel and return the account to them. It is not clear why the creditor requested return of the account. We are following up with the creditor to find out why they requested return of the account, but did want to provide this response to the consumer's complaint. Under the circumstances, we are requesting deletion of the account from credit reporting. Please note that the deletion may take up to 30 days and that is beyond our control. If the consumer has any questions regarding this response, she may contact our [redacted] directly at ###-###-####, ext. [redacted]
The consumer claims services and a balance related to the services appear on her credit report but states the services were covered by the consumer's insurance. Upon receipt of the complaint, we checked with the creditor. The creditor confirmed that the balances placed with our office...
should have been paid by insurance and the consumer does not have any responsibility for the accounts. The accounts were returned to the creditor and credit reporting has been requested to be deleted from the account appearing on consumer's credit report.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com: I have been advised to accept State Collection Service reply to the Revdex.com at this time. In addition, please allow me to say that a Public Law 104-208 letter was provided to the State of Wisconsin Public Defenders Office, drawn up on behalf of myself by my Attorney [redacted] C. [redacted], sent certified mail, immediately after having a conversation with its Supervisor concerning the representation on behalf of Attorney [redacted], prohibiting the Public Defenders office, or anyone else on their behalf from placing this account on my credit report.If this matter needs to be addressed further, I will file a complaint with my States Attorney General's Office.I wish to again thank the Revdex.com for allowing me to address my concerns regarding this matter. Thank you.
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
The consumer’s complaint appears to be with the creditor but we will again respond with the information we have. The consumer states she informed the creditor of her updated address in November 2016. The accounts we are collecting relate to services provided in October and November of 2015. The accounts were placed with our office for collection in February and March of 2016. Based on what the consumer is saying, she didn’t update her address until well after the services were provided and after the accounts were placed in collection. In any event, it appears the consumer will be taking the opportunity to argue her case in court. We are not involved in the court action and cannot comment on that issue other than to say we will await the outcome of the action.
Please accept our apologies for not responding to this complaint in a timely fashion. The consumer states an account we were collecting was paid to the creditor. The consumer did tell us in a phone call that she believed the account was paid. As of the time of this response, we do...
not have confirmation that the account is paid. Based on the circumstances, we are requesting that the account be removed from the consumer's credit report. If the creditor determines that an amount remains due, we will contact the consumer and let her know.The consumer also makes general allegations regarding other accounts. As the consumer does not specifically identify a particular issue with any account or accounts, we are not able to respond to the general allegations. We also note that a recent account was placed for this same creditor and the consumer does mention that account. The consumer states we put that account (she refers to it as a $16 and some change account) on her credit report. We have not and will not be reporting that account to the credit bureaus. If the consumer has something showing this account is on her credit report, she should mail that to our office (SCSI, Attn: [redacted]).
The consumer claims that we told her we would delete an account from her credit report if she paid it. We do record all of our calls. We reviewed the call in question. We did tell the consumer we would update her credit file. It appears from her complaint that her credit file...
was updated showing a paid collection. That is accurate. It now appears that the consumer would like the account removed from her credit report. Under the circumstances, we will request deletion.
The consumer states he has not received an itemized statement after it was requested. We apologize for the initial delay in providing the information to the consumer. Our process on handling the request was not followed. However, on September 8, 2016, we did attempt to mail the...
requested information to the address confirmed by the consumer on July 6, 2016. The letter was returned to our office on September 16, 2016 and a different (forwarding) address was provided. We then mailed the information again to the new address on that same date. We note that the consumer has provided a different address in filing this complaint. We mailed the information to the address provided in this complaint on November 29, 2016. In short, we have mailed the information to three different addresses. The account has not been submitted for credit reporting. If the consumer has not received the information, he should contact our office.
The consumer alleges he is not responsible for an account listed with our office. He does not state why he believes he is not responsible. He requests verification of the debt within 30 days. We have verified with the creditor that the amount is due. We mailed ...
verification of the account to the consumer today. If the consumer would like to provide specific information to us on why he is not responsible, he may mail it to: [redacted]. Upon receipt of that information, we will investigate further.
The consumer states he paid an account with our office in August and that same account was later paid by the *** ** *** *** in December 2014. He would like a refund. We agree he should receive a refund of his payment if the ** paid it and we are working on getting
that for him. We spoke to the consumer and asked that he send us the letter the ** sent him showing the payment made to the creditor. He has agreed to do that. We will be sending a copy of the ** letter to the creditor when we
receive it and also show the creditor that we sent payment to the
creditor. Unfortunately, as the creditor no longer lists accounts with our office, we have not been able to resolve this issue without the ** letter. We will continue to work on this with the consumer until he receives the refund to which he is entitled. The consumer has the direct contact number for our *** *** *** and has been encouraged to call him if the consumer does not hear from him in the next days
The consumer expressed concern about hold times, calls being transferred and a check not being posted. The consumer requests confirmation of the check being applied to the correct accounts and an acknowledgment that the accounts are paid in full. We spoke with the consumer today and
apologized for not being as helpful as we could have been on the initial calls. We explained that the check has been posted to the accounts requested and those accounts are paid in full. The consumer has the direct number for our *** *** *** in the event she has any questions
The consumer requests a letter from us indicating the account was not sent for credit reporting, the account was "invalid," that we no longer have the account and the reason we no longer have the account. We did send a letter to the consumer explaining what happened, that the account was never
sent for credit reporting, that it was returned to the creditor and why it was returned
The consumer makes several statements that we are not able to respond to as it is not clear what the specific allegations are. If additional information would be provided, we may be able to address the claims.The consumer states "this business is a sub company of state collections agency out
of madison wi..." We do not know what the consumer is referring to. We are State Collection Service, IncThe consumer states "it does not properly identify itself by company, type of agency and name of individual of person calling to speak with whom ever." Given that the consumer states "this business is a sub company" it is not clear if the consumer is saying we do not properly identify our company. Again, we are State Collection Service, Inc. The consumer states "they only ask name to verify which is a privacy issue." This consumer in a prior complaint to a government agency complained that we had asked for his full social security number rather than just the last digits in an attempt to verify his identity. It is not clear what the consumer is claiming we did wrong here.As to the remaining areas, we apologize if the consumer was "dropped" into a hold line and was not able to speak with anyone. It appears that the consumer was able to speak with someone though given his complaint. We do not believe calling every day (if we did) or multiple times in one day (if we did) in order to reach someone to discuss an account is harassment. We do acknowledge speaking to the consumer regarding some accounts that were in fact resolved, which we discovered after our communication with the consumer who said the accounts were resolved. We are a licensed collection agency in the state of Wisconsin
The response from the business stated that they would not remove this information from my credit report. I have asked for a signed contract that proves that I gave permission for them to have a copy of any medical records that may or may not be associated with me. I did not give any permission to any current or prior medical provider to release my medical information. I am allowed under the Health Portability and Accountability Act to protect my privacy and and medical records from any third parties. I want this information removed immediately from all three major credit reporting agencies until the company can furnish the mentioned contract.
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. I have not received anything from this collection agency.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
Marquis [redacted]
The consumer claims that we have not been communicating with her. We are perplexed by this complaint. As the consumer references, there were basically two sets of accounts she was working with us on. Regarding the first set of accounts, we exchanged numerous emails with the...
consumer. In one of her responses dated 2/2/17, the consumer stated: "Thank you for the constant communication." In the second set of accounts, we again sent many responses to emails. Apparently, the consumer did not receive our numerous communications in response. However, the consumer, today, at 1:23 p.m., in response to our communications, said: "Thank you very much!" Accordingly, we believe we have been responsive to the many consumer requests.
I accept your response. Please re-apply the payment of $65.84 to the correct account and delete the item from my credit reports.
The consumer alleges it is not lawful to charge 5% interest on an account placed with our office by the creditor. Wisconsin law has long provided that a creditor who is not paid is entitled to charge 5% on the unpaid amount. The Wisconsin Department of Financial Institutions, the...
government entity that regulates collection agencies in Wisconsin, specifically provides that such a charge can be added. There is no requirement that the consumer agree to the charge in writing. The 5% charge begins accruing on the account once it is placed with a collection agency. The creditor authorized the addition of the 5% charge. We are not required to refund the lawfully assessed 5% per year interest charge. Please do not hesitate to contact us should additional information be required.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response letter sent to me by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
As indicated in our prior response, we request deletion from credit reporting on paid accounts. We are not requesting removal of accounts from credit reporting that are not paid under these circumstances.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
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 me.
Regards,
Claudia [redacted]
The consumer states she paid this account to the creditor after the account was placed with our office and states she has not received notification that the account was placed with our office. The account was placed in our office on February 5, 2015. A letter was mailed to the consumer...
notifying her of the placement on or about February 6, 2015. We do not show that the mail was returned. However, after we forwarded the consumer's complaint to the creditor, the creditor requested we cancel and return the account to them. It is not clear why the creditor requested return of the account. We are following up with the creditor to find out why they requested return of the account, but did want to provide this response to the consumer's complaint. Under the circumstances, we are requesting deletion of the account from credit reporting. Please note that the deletion may take up to 30 days and that is beyond our control. If the consumer has any questions regarding this response, she may contact our [redacted] directly at ###-###-####, ext. [redacted]
The consumer claims services and a balance related to the services appear on her credit report but states the services were covered by the consumer's insurance. Upon receipt of the complaint, we checked with the creditor. The creditor confirmed that the balances placed with our office...
should have been paid by insurance and the consumer does not have any responsibility for the accounts. The accounts were returned to the creditor and credit reporting has been requested to be deleted from the account appearing on consumer's credit report.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com: I have been advised to accept State Collection Service reply to the Revdex.com at this time. In addition, please allow me to say that a Public Law 104-208 letter was provided to the State of Wisconsin Public Defenders Office, drawn up on behalf of myself by my Attorney [redacted] C. [redacted], sent certified mail, immediately after having a conversation with its Supervisor concerning the representation on behalf of Attorney [redacted], prohibiting the Public Defenders office, or anyone else on their behalf from placing this account on my credit report.If this matter needs to be addressed further, I will file a complaint with my States Attorney General's Office.I wish to again thank the Revdex.com for allowing me to address my concerns regarding this matter. Thank you.
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
The consumer’s complaint appears to be with the creditor but we will again respond with the information we have. The consumer states she informed the creditor of her updated address in November 2016. The accounts we are collecting relate to services provided in October and November of 2015. The accounts were placed with our office for collection in February and March of 2016. Based on what the consumer is saying, she didn’t update her address until well after the services were provided and after the accounts were placed in collection. In any event, it appears the consumer will be taking the opportunity to argue her case in court. We are not involved in the court action and cannot comment on that issue other than to say we will await the outcome of the action.
Please accept our apologies for not responding to this complaint in a timely fashion. The consumer states an account we were collecting was paid to the creditor. The consumer did tell us in a phone call that she believed the account was paid. As of the time of this response, we do...
not have confirmation that the account is paid. Based on the circumstances, we are requesting that the account be removed from the consumer's credit report. If the creditor determines that an amount remains due, we will contact the consumer and let her know.The consumer also makes general allegations regarding other accounts. As the consumer does not specifically identify a particular issue with any account or accounts, we are not able to respond to the general allegations. We also note that a recent account was placed for this same creditor and the consumer does mention that account. The consumer states we put that account (she refers to it as a $16 and some change account) on her credit report. We have not and will not be reporting that account to the credit bureaus. If the consumer has something showing this account is on her credit report, she should mail that to our office (SCSI, Attn: [redacted]).
The consumer claims that we told her we would delete an account from her credit report if she paid it. We do record all of our calls. We reviewed the call in question. We did tell the consumer we would update her credit file. It appears from her complaint that her credit file...
was updated showing a paid collection. That is accurate. It now appears that the consumer would like the account removed from her credit report. Under the circumstances, we will request deletion.
The consumer states he has not received an itemized statement after it was requested. We apologize for the initial delay in providing the information to the consumer. Our process on handling the request was not followed. However, on September 8, 2016, we did attempt to mail the...
requested information to the address confirmed by the consumer on July 6, 2016. The letter was returned to our office on September 16, 2016 and a different (forwarding) address was provided. We then mailed the information again to the new address on that same date. We note that the consumer has provided a different address in filing this complaint. We mailed the information to the address provided in this complaint on November 29, 2016. In short, we have mailed the information to three different addresses. The account has not been submitted for credit reporting. If the consumer has not received the information, he should contact our office.
The consumer alleges he is not responsible for an account listed with our office. He does not state why he believes he is not responsible. He requests verification of the debt within 30 days. We have verified with the creditor that the amount is due. We mailed ...
verification of the account to the consumer today. If the consumer would like to provide specific information to us on why he is not responsible, he may mail it to: [redacted]. Upon receipt of that information, we will investigate further.