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.]The bills that were sent to collections were not mailed to me as the business failed to update my billing address in all systems. I contacted them directly in November 2016 to have this done. Please send actual copies of bills as the address listed us incorrect. Please be advised the default judgment was appealed due to the negligence as the attorney's office failed to serve me so I had no knowledge of the court date. Due to the negligence of the business the bills in question were sent to collections and adverse action was taken against me. This is unacceptable practice as this business fail to take responsibility and be truthful.
Regards,
[redacted]
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.My complaint is with the collection agency. I have a separate compliant with the health care provider. I made contact with your collection Agency and updated my address information after I notice the debt reporting on my CR, which was given to request validation of the debt reported. THIS IS HOW your office obtained my mother's address. I NEVER refused to provide my address as I am currently in transition of moving, I did refused to give me phone number as I told them I do not want them calling me until the debt is validated. I informed your agency to obtain my contact information from AURORA as I am a active patient with them and they have all my updated contact information. Aurora Health care is willing to work with me and have been, it is your collection agency who fail to as you are trying to profit off of the allege debt. As a Collection agency for medical bills, I would expect you to me mindful of the patient's BILL of Rights. it clearly states, "Health care providers must be required to send itemized bills for all charges. Patients have a right to an itemized bill with a clear description of each item and all codes related, for which the patient is being charged." and " Patients must have access to their medical records. Patients or their assigned representatives shall receive one copy of medical records upon request. Such a written request must be honored within 15 days. Patients must have the right to verify the accuracy of their bills. Healthcare providers must credit patient’s account for the cost of medical records, if errors are identified." I have never had medical bills or debt, I have a active HSA account and if I was properly billed and notified of the amounts owed I would have paid them. My credit has been impacted due to the neglect of the Collection agency. I have spoke to the health care provider and they were willing to provide me with the information needed to confirm I am not being over billed. I ask your collection agency to provide proof I was billed and refused or neglected to pay knowingly. I am going to continue to pursue this issue until the truth comes out in court. I have already proven that the initial judgment was mishandled. Also, as indicated your office is reporting me and overstated the amount you have in your office. I am waiting for the EOB's from my old insurance company as the dates you state I was billed is FALSE. I have proof of that, which I will show in court. I have attached proof of the reporting I see. Please provide all records that show I was billed at the current address. Please be advised AURORA been updated my address; however, it is my understanding not all billing systems were updated. I obtained this information from Aurora as advised they are willing to work with me.
Regards,
[redacted]
We understand the consumer's concern regarding the creditor's review of the accounts. However, the creditor wishes to make sure that there are no issues before asking our office to proceed with collection efforts or, if they find there were issues with coding, asking us to close and return the accounts. In these instances, we must follow the directions of the creditor that retained us to perform collection services. We cannot close and return accounts like this without the creditor's direction. As indicated in our first response, the accounts are on hold pending the creditor's review. We will not undertake any collection activity until we have heard from the client that we may proceed.
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.] I am sorry but I can not accept that as a valid response. I am personally not interested in what others have entrusted with your company. This is regarding my life, lively hood, and well being. I appreciate the fact that you have requested the 3 major credit reporting agencies to remove that erroneous account, and have agreed not to contact me personally again unless through a natural party, but that was only a portion of my request. After getting the Revdex.com, CFBP, Wisconsin Attorney General, and the DFI involved State Collection Service INC has really done a great job of resolving this issue. Here is the problem. I never contracted with you all, therefor you never should have had any information pertaining to me. Not my name, address, phone number, nothing. So as a last attempt, I am begging you to remove any/all information pertaining to me form your files. Otherwise I will have no other recourse but to pursue litigation for defamation of character, and identity theft. I have read your response fully and this is my response to your reply.Please let me know when my information is deleted from your files otherwise if this can not be obtained, our feature correspondence with be via attorneys. Thank you in advance
Regards,
[redacted]
The consumer states she has requested the creditor and our office to verify that the accounts were allegedly settled, proof that the accounts were not settled and for us to not proceed until we provide proof. The consumer had actually contacted our office through our website on December 12,...
2016. We responded to that contact and informed the consumer that the accounts were closed from our office and the accounts were never sent for credit reporting. On December 15, 2016, we received a letter from the consumer containing the same information as the contact through our website. We sent the consumer a letter indicating the accounts were closed and never submitted for credit reporting. As the accounts were closed from our office, we do not have any information on whether the accounts were settled or not settled. It does sound like the consumer reached out to the creditor to find that out. In any event, as the accounts are not with our office, we are obviously not proceeding with any collection efforts.
The consumer claims she is receiving calls regarding a credit card. She further states she does not have any debt. It is possible the consumer has our office confused with someone else. Our office does not collect on any credit card debt. We further do not show any calls to...
or from the telephone number provided by the consumer in this complaint. However, we did speak with this consumer in August, 2015, regarding a medical account placed with our office. In that discussion, she gave us permission to speak with her father regarding the account. At that time her father entered into an arrangement to make payments on the account. In addition, in July, 2016, a new account was placed in our office for this same individual. We have received one payment on that account. But, again, we did not call or speak with the consumer at the telephone number provided in this complaint. If the consumer has additional information regarding the time and date of the calls, she may certainly provide it to our office for further review.
The consumer is under the impression that the consumer must sign something authorizing the creditor to release information to our office. The Health Insurance Portability and Accountability Act does not require a signed writing authorizing the release of information in this instance.
We understand the consumer would like calls to the two telephone numbers the consumer provided in the complaint to cease. We will not contact those two numbers.
The consumer alleges that a written authorization is required in order for a creditor to release protected health information to a collection agency and requests that credit reporting cease to allow him time to validate the debt. As to the consumer’s understanding of HIPAA and the release of...
information, HIPAA allows the use and disclosure of protected health information for the purpose of collection. The amount of information used or disclosed is limited to the minimum necessary to, in our case, collect the account. In fact, the consumer concedes he is aware that HIPAA does allow the release of “limited” information. Further, the consumer admits he asked us “to validate the alleged debt.” When the consumer made the request to us to validate the debt, he made it necessary for us to obtain and use, and the creditor to disclose, additional information, like the itemized breakdown of services rendered that the consumer acknowledges receiving. So, the limited information (the minimum necessary) we could use and disclose before the request for validation expanded (the minimum necessary increased) because the consumer made it so. As to the consumer’s request that credit reporting cease, we are not under any obligation to cease credit reporting under these circumstances.
The consumer would like to settle the account placed with our office or return the account to the creditor. The consumer appears to claim that she asked us to settle this or work it out with the insurance companies. Before addressing the complaint, we do wish to state that we are sorry...
to hear that the consumer and her husband were the victims of a drunk driving accident. We understand how difficult it must be to deal with the consequences of such an accident.In reviewing this account, we note that the consumer has stated on several occasions that she would contact the insurance company to determine why this account was not paid. It is not our responsibility to follow up with the insurers and we waited to hear from the consumer while she followed up with the insurers. The consumer has also called several times asking to settle the account. On each occasion we told her we cannot settle the account. On one occasion, after telling her we could not settle the account, the consumer proceeded to call the creditor and told the creditor that she had contacted our office and alleged that we could not find the account. We had obviously just discussed the account with her. On the same day this occurred, the consumer filed this complaint with the Revdex.com. We are not authorized to settle this account at this time. We are not returning the account to the creditor. We are willing to work out reasonable payment arrangements if the consumer cannot pay the account in full.
The consumer claims an account placed with our office was paid. She would like us to stop contacting her about the account. We understand the concern of the consumer. We agree the consumer paid an account placed with our office, however an additional account was placed after she...
made payment. More specifically, an account was placed with our office on October 21, 2015. That account
was paid by the consumer on November 3, 2015. The same creditor placed
a new account with our office on November 18, 2015. The new account is
for the same amount as the first account but it relates to a different
date of service. When we received a dispute from the consumer on the
new account, we contacted the creditor to determine if the account had
been paid. The creditor confirmed it had not been paid and we sent the
consumer an itemized statement on or about December 10, 2015. The second account remains due. If the consumer believes this account was also paid, we will need proof of payment to provide to the creditor. We apologize for any confusion regarding the two accounts.As the consumer has requested we not contact her, we have marked the account accordingly and will not contact her unless we hear from her otherwise.
[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,
[redacted]
[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,
[redacted]
The consumer is concerned about her medical information that may have been provided to the father of her child. We have reviewed the call in question. The account representative involved did not disclose any individually identifiable health information to the father of her child. ...
Accordingly, we do not believe there was any disclosure of medical information in violation of HIPAA laws. Although no such information was disclosed, we have taken steps internally to address this issue with the account representative who was involved in the call. As the consumer has requested we not contact her, we have ceased all communication with her on the account in question. We have also marked the account to prevent any credit reporting of the account in question. Please do not hesitate to contact our office in the event further information is required.
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.
This response is not a satisfied response from the State Collection Service. As they acknowledged that the University of Washington Physicians haven't concluded yet - in the process to correct the code mistake, the State Collection Service company should drop the case immediately and clear all my information from their system and clean out all things they've done against me.
Regards,
[redacted]
We understand the consumer would like to speak with someone who is an officer or director. The response to the complaint was submitted by our Chief Compliance Officer. Please call our Chief Compliance Officer at ###-###-####, ext. 467. If he is not available, please leave a voice mail message indicating when a good time to call would be and a number to call. Thank you.
The consumer claims that he paid the full amount of an account we were collecting directly to the creditor and requests removal of the account from his credit report. The creditor did report the payment to our office on October 6, 2016. The new balance on the account would have been...
reported to the credit reporting agencies. The new balance on the account was the interest that had accrued as allowed by the creditor and the law. We have written off the interest and requested removal of the account from the credit reporting agencies.
The consumer appears to be requesting verification of the accounts appearing on his credit report. The consumer further appears to claim that the creditor cannot provide us information verifying the accounts as he alleges that HIPAA prevents. this. We will be reporting the accounts...
as disputed to the credit reporting agencies. As the consumer disputed the accounts, we contacted the creditor to obtain verification of the amounts due. We have obtained that information. We will be mailing the itemized statements to the consumer as verification of the amounts due. HIPAA allows the creditor to provide a collection agency with the minimum necessary information to collect an account.
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. The bill is fraud and not mine.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
The consumer indicates that an account in the amount of $65.84 was paid. The consumer has multiple accounts in our agency. As indicated in a different Revdex.com complaint (#11811904), a payment of that amount was received and applied to two other accounts in our office. As indicated in...
the response to the other Revdex.com complaint, if the consumer would like payments applied to a different account or accounts, he should contact us at 877-677-4862 to make this request. Or let us know that he would like to do this in a reply to this response. We are more than willing to accommodate his request and can request deletion of any paid account from his credit report.
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.]The bills that were sent to collections were not mailed to me as the business failed to update my billing address in all systems. I contacted them directly in November 2016 to have this done. Please send actual copies of bills as the address listed us incorrect. Please be advised the default judgment was appealed due to the negligence as the attorney's office failed to serve me so I had no knowledge of the court date. Due to the negligence of the business the bills in question were sent to collections and adverse action was taken against me. This is unacceptable practice as this business fail to take responsibility and be truthful.
Regards,
[redacted]
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.My complaint is with the collection agency. I have a separate compliant with the health care provider. I made contact with your collection Agency and updated my address information after I notice the debt reporting on my CR, which was given to request validation of the debt reported. THIS IS HOW your office obtained my mother's address. I NEVER refused to provide my address as I am currently in transition of moving, I did refused to give me phone number as I told them I do not want them calling me until the debt is validated. I informed your agency to obtain my contact information from AURORA as I am a active patient with them and they have all my updated contact information. Aurora Health care is willing to work with me and have been, it is your collection agency who fail to as you are trying to profit off of the allege debt. As a Collection agency for medical bills, I would expect you to me mindful of the patient's BILL of Rights. it clearly states, "Health care providers must be required to send itemized bills for all charges. Patients have a right to an itemized bill with a clear description of each item and all codes related, for which the patient is being charged." and " Patients must have access to their medical records. Patients or their assigned representatives shall receive one copy of medical records upon request. Such a written request must be honored within 15 days. Patients must have the right to verify the accuracy of their bills. Healthcare providers must credit patient’s account for the cost of medical records, if errors are identified." I have never had medical bills or debt, I have a active HSA account and if I was properly billed and notified of the amounts owed I would have paid them. My credit has been impacted due to the neglect of the Collection agency. I have spoke to the health care provider and they were willing to provide me with the information needed to confirm I am not being over billed. I ask your collection agency to provide proof I was billed and refused or neglected to pay knowingly. I am going to continue to pursue this issue until the truth comes out in court. I have already proven that the initial judgment was mishandled. Also, as indicated your office is reporting me and overstated the amount you have in your office. I am waiting for the EOB's from my old insurance company as the dates you state I was billed is FALSE. I have proof of that, which I will show in court. I have attached proof of the reporting I see. Please provide all records that show I was billed at the current address. Please be advised AURORA been updated my address; however, it is my understanding not all billing systems were updated. I obtained this information from Aurora as advised they are willing to work with me.
Regards,
[redacted]
We understand the consumer's concern regarding the creditor's review of the accounts. However, the creditor wishes to make sure that there are no issues before asking our office to proceed with collection efforts or, if they find there were issues with coding, asking us to close and return the accounts. In these instances, we must follow the directions of the creditor that retained us to perform collection services. We cannot close and return accounts like this without the creditor's direction. As indicated in our first response, the accounts are on hold pending the creditor's review. We will not undertake any collection activity until we have heard from the client that we may proceed.
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.] I am sorry but I can not accept that as a valid response. I am personally not interested in what others have entrusted with your company. This is regarding my life, lively hood, and well being. I appreciate the fact that you have requested the 3 major credit reporting agencies to remove that erroneous account, and have agreed not to contact me personally again unless through a natural party, but that was only a portion of my request. After getting the Revdex.com, CFBP, Wisconsin Attorney General, and the DFI involved State Collection Service INC has really done a great job of resolving this issue. Here is the problem. I never contracted with you all, therefor you never should have had any information pertaining to me. Not my name, address, phone number, nothing. So as a last attempt, I am begging you to remove any/all information pertaining to me form your files. Otherwise I will have no other recourse but to pursue litigation for defamation of character, and identity theft. I have read your response fully and this is my response to your reply.Please let me know when my information is deleted from your files otherwise if this can not be obtained, our feature correspondence with be via attorneys. Thank you in advance
Regards,
[redacted]
The consumer states she has requested the creditor and our office to verify that the accounts were allegedly settled, proof that the accounts were not settled and for us to not proceed until we provide proof. The consumer had actually contacted our office through our website on December 12,...
2016. We responded to that contact and informed the consumer that the accounts were closed from our office and the accounts were never sent for credit reporting. On December 15, 2016, we received a letter from the consumer containing the same information as the contact through our website. We sent the consumer a letter indicating the accounts were closed and never submitted for credit reporting. As the accounts were closed from our office, we do not have any information on whether the accounts were settled or not settled. It does sound like the consumer reached out to the creditor to find that out. In any event, as the accounts are not with our office, we are obviously not proceeding with any collection efforts.
The consumer claims she is receiving calls regarding a credit card. She further states she does not have any debt. It is possible the consumer has our office confused with someone else. Our office does not collect on any credit card debt. We further do not show any calls to...
or from the telephone number provided by the consumer in this complaint. However, we did speak with this consumer in August, 2015, regarding a medical account placed with our office. In that discussion, she gave us permission to speak with her father regarding the account. At that time her father entered into an arrangement to make payments on the account. In addition, in July, 2016, a new account was placed in our office for this same individual. We have received one payment on that account. But, again, we did not call or speak with the consumer at the telephone number provided in this complaint. If the consumer has additional information regarding the time and date of the calls, she may certainly provide it to our office for further review.
The consumer is under the impression that the consumer must sign something authorizing the creditor to release information to our office. The Health Insurance Portability and Accountability Act does not require a signed writing authorizing the release of information in this instance.
We understand the consumer would like calls to the two telephone numbers the consumer provided in the complaint to cease. We will not contact those two numbers.
The consumer alleges that a written authorization is required in order for a creditor to release protected health information to a collection agency and requests that credit reporting cease to allow him time to validate the debt. As to the consumer’s understanding of HIPAA and the release of...
information, HIPAA allows the use and disclosure of protected health information for the purpose of collection. The amount of information used or disclosed is limited to the minimum necessary to, in our case, collect the account. In fact, the consumer concedes he is aware that HIPAA does allow the release of “limited” information. Further, the consumer admits he asked us “to validate the alleged debt.” When the consumer made the request to us to validate the debt, he made it necessary for us to obtain and use, and the creditor to disclose, additional information, like the itemized breakdown of services rendered that the consumer acknowledges receiving. So, the limited information (the minimum necessary) we could use and disclose before the request for validation expanded (the minimum necessary increased) because the consumer made it so. As to the consumer’s request that credit reporting cease, we are not under any obligation to cease credit reporting under these circumstances.
The consumer would like to settle the account placed with our office or return the account to the creditor. The consumer appears to claim that she asked us to settle this or work it out with the insurance companies. Before addressing the complaint, we do wish to state that we are sorry...
to hear that the consumer and her husband were the victims of a drunk driving accident. We understand how difficult it must be to deal with the consequences of such an accident.In reviewing this account, we note that the consumer has stated on several occasions that she would contact the insurance company to determine why this account was not paid. It is not our responsibility to follow up with the insurers and we waited to hear from the consumer while she followed up with the insurers. The consumer has also called several times asking to settle the account. On each occasion we told her we cannot settle the account. On one occasion, after telling her we could not settle the account, the consumer proceeded to call the creditor and told the creditor that she had contacted our office and alleged that we could not find the account. We had obviously just discussed the account with her. On the same day this occurred, the consumer filed this complaint with the Revdex.com. We are not authorized to settle this account at this time. We are not returning the account to the creditor. We are willing to work out reasonable payment arrangements if the consumer cannot pay the account in full.
The consumer claims an account placed with our office was paid. She would like us to stop contacting her about the account. We understand the concern of the consumer. We agree the consumer paid an account placed with our office, however an additional account was placed after she...
made payment. More specifically, an account was placed with our office on October 21, 2015. That account
was paid by the consumer on November 3, 2015. The same creditor placed
a new account with our office on November 18, 2015. The new account is
for the same amount as the first account but it relates to a different
date of service. When we received a dispute from the consumer on the
new account, we contacted the creditor to determine if the account had
been paid. The creditor confirmed it had not been paid and we sent the
consumer an itemized statement on or about December 10, 2015. The second account remains due. If the consumer believes this account was also paid, we will need proof of payment to provide to the creditor. We apologize for any confusion regarding the two accounts.As the consumer has requested we not contact her, we have marked the account accordingly and will not contact her unless we hear from her otherwise.
[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,
[redacted]
[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,
[redacted]
The consumer is concerned about her medical information that may have been provided to the father of her child. We have reviewed the call in question. The account representative involved did not disclose any individually identifiable health information to the father of her child. ...
Accordingly, we do not believe there was any disclosure of medical information in violation of HIPAA laws. Although no such information was disclosed, we have taken steps internally to address this issue with the account representative who was involved in the call. As the consumer has requested we not contact her, we have ceased all communication with her on the account in question. We have also marked the account to prevent any credit reporting of the account in question. Please do not hesitate to contact our office in the event further information is required.
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.
This response is not a satisfied response from the State Collection Service. As they acknowledged that the University of Washington Physicians haven't concluded yet - in the process to correct the code mistake, the State Collection Service company should drop the case immediately and clear all my information from their system and clean out all things they've done against me.
Regards,
[redacted]
We understand the consumer would like to speak with someone who is an officer or director. The response to the complaint was submitted by our Chief Compliance Officer. Please call our Chief Compliance Officer at ###-###-####, ext. 467. If he is not available, please leave a voice mail message indicating when a good time to call would be and a number to call. Thank you.
The consumer claims that he paid the full amount of an account we were collecting directly to the creditor and requests removal of the account from his credit report. The creditor did report the payment to our office on October 6, 2016. The new balance on the account would have been...
reported to the credit reporting agencies. The new balance on the account was the interest that had accrued as allowed by the creditor and the law. We have written off the interest and requested removal of the account from the credit reporting agencies.
The consumer appears to be requesting verification of the accounts appearing on his credit report. The consumer further appears to claim that the creditor cannot provide us information verifying the accounts as he alleges that HIPAA prevents. this. We will be reporting the accounts...
as disputed to the credit reporting agencies. As the consumer disputed the accounts, we contacted the creditor to obtain verification of the amounts due. We have obtained that information. We will be mailing the itemized statements to the consumer as verification of the amounts due. HIPAA allows the creditor to provide a collection agency with the minimum necessary information to collect an account.
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. The bill is fraud and not mine.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
The consumer indicates that an account in the amount of $65.84 was paid. The consumer has multiple accounts in our agency. As indicated in a different Revdex.com complaint (#11811904), a payment of that amount was received and applied to two other accounts in our office. As indicated in...
the response to the other Revdex.com complaint, if the consumer would like payments applied to a different account or accounts, he should contact us at 877-677-4862 to make this request. Or let us know that he would like to do this in a reply to this response. We are more than willing to accommodate his request and can request deletion of any paid account from his credit report.