Berks Credit & Collections, Inc.

Review: I reviewed my records very carefully and can find no reference to this account. BCC has not provided any proof of this account as requested. I have no record of this account on file. I have requested proof of this account from BCC and they have sent me nothing. When I tried to get a car loan I discovered this account on my credit report. My credit rating is suffering tremendously with this negative, false information on my report, and I want to have it removed. BAC has been unresponsive to my mutiple requests for information, so I have no choice but to file a formal complaint.Desired Settlement: I consider this defamation and I want this negative information removed from the 3 credit bureaus on my credit report."

Business

Response:

We have requested deletion of our tradeline(s) from [redacted]'s Credit Bureau report

Review: Recently I applied for a job where a credit check is required, and was subsequently turned down. After looking into why I was turned down, I found two collections accounts this company lists on my reports: #[redacted], #[redacted].

Apparently these collections accounts are for an Obgyn visit, and a radiology visit. The health care facilities that are listed in these accounts are ones that I have never been to or even heard of!

I'd like an itemization of each appointment, the costs of each, and signatures of authorization for these medical collections. If you cannot come up with this information - then please delete these from the credit bureaus! These are not mine, and are causing my undue harm by being on my report.Desired Settlement: Deletion of the two accounts above: #[redacted], #[redacted].

Business

Response:

We had requested bills. As soon as they are received we will forward to [redacted]

Review: I received a call from Berks Credit & Collections on May 6, 2014 regarding a unpaid debt to [redacted] Hospital for services on 10/5/2012 - I told him I did not know what he was talking about and to send me information - received and called Berks on 5/13/2014 as statement said I had a balance due of $74.72, but all medical bills at [redacted] were previously paid. I was told it was for "collection fees" that my account had been sent to collection? which was news to me. I paid the full balance of my bill $249.07 directly to [redacted], check dated 2/22/13 - and cashed on 2/26/13 and I have heard nothing from them since?, until this call. I was then told that it went to collection on 2/14/13, but I was never aware of that and was never sent anything prior to the collection notice I was sent after the phone call on May 6, 2014. I tried to explain to two people, who just kept going on that this is what I owed and it needed to be paid as it was being reported on my Credit Reports. I explained to them that I had my bill, and EOB from insurance company and that I did not have a balance.... that is when I was told it was collection fees, but I said for an account that was not in collection how can that be - and they proceeded to tell me it was in collection and that this is my responsibility and MUST be paid. I asked who do I contact regarding this since [redacted] Hospital in [redacted] closed but that I had the copy of the bill, copies on my EOB from insurance company showing payment, along with copy of cancelled check for the full amount due. They said they had spend enough time with me and that I should understand that this balance is due and needs to be paid. They were very adamant about it, time and time, and I even called back to talk to someone else regarding. I have NEVER received a Collection Notice regarding [redacted] Hospital and find it odd that 1) it is over 1 year since this supposedly went to collection and this is the first I am hearing about it, and 2) [redacted] Hospital is no longer running the [redacted] office yet Berks can tell me it went to collection yet I have records of the balance paid in full to [redacted] Hospital. 3) What collection fees are $74.72 - for what? I have had NO contact with anyone and NOTHING in writing prior to the May 6th call and request for "what the heck they were talking about".Desired Settlement: 1) confirmation this was an error on their ( either [redacted] Hospital or Berks Credit & Collections) part and I in fact DO NOT have any balance due to them regarding [redacted] Hospital and 2) all negative information sent to the Credit Reporting Agencies be removed immediately.

Business

Response:

The collection fee is a fee added by our Client and is part of their financial policy. The account was placed for Collections on 02/14/13 and our Client reported payment on 02/25/13. It is possible that somehow they crossed so I am waiving the collection fee.

Review: My husbands dr's office turned over an uncollected bill to this company, they never left us know they were collecting this debt and we didn't have any correspondence to inform us of the transfer, we discovered this when we went for a loan and were told there was a bad credit debt reported by Berks Credit, since then we have been trying to work it out by sending payments and they don't credit out account with all the payments we've made, they keep starting over with the original bal. owed instead of CURRENT bal. owed, I just want a correct invoice to pay off bal. owed. We have been in contact on numerous occasions both with Dr. [redacted]'s office and the Berks Credit office to no avail.Desired Settlement: I need a correct amt. owed to pay from and then I need them to report bill satisfied to the credit bureau, my credit report is

being screwed up by an incompetent business.

Business

Response:

There were 2 payments that were misapplied. That was corrected on 10/23/14. A receipt with the updated balance is being mailed out tomorrow 10/28/14.

Consumer

Response:

[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.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

This could all have been avoided if they would have responded to my correspondence months ago and left me know that I hadbeen missing 2 checks according to their records, communication is totally lacking in this case.

Review: I have requested proof TWO TIMES that I and no one else accepted whatever this debt is for and have been provided nothing. Verify this information or REMOVE THIS IMMEDIATELY.I just reviewed my credit report and couldn't believe my eyes. I'm trying to buy a home and when they reviewed my credit they denied me because of this inaccurate account information. I looked deep into my records, as I keep track of everything in my personal home office and I cannot find anything showing acceptance of this account or ownership. I requested they provide me with documentation on this account both 45 and 90 days ago. As a result they sent me nothing that proves nothing to show ownership. At this point this account is actually preventing me from buying a new home and as a result preventing me from putting food on the table or a roof over my children heads. This account is completely inaccurate and those inaccuracies should not be showing on my report. I disputed them on my credit report and even hired a company to help me yet they still remain. They have resulted in repeated denials of credit, lost opportunity to receive credit, economic loss, damage to my reputation, loss of self-esteem, invasion of privacy, interference with my normal and usual activities, and emotional distress.Desired Settlement: I consider this defamation and I want this removed from the 3 credit bureaus.

Business

Response:

These bills were originally mailed on 07/22/13 to **. [redacted]. Please find attached new copies

Date: 10/23/13

Dear [redacted]

As per your request, enclosed is verification of this debt. I hope this will help release proper payment of this account.

This is an attempt to collect a debt, and any information obtained will be used for that purpose. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion. thereof.,_this office will assume [redacted] is valid-. If you notify thi.s office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification.If you request this office in writing within 30 days after receiving this notice,this office will provide you with the name and address of the original creditor,if different from the current creditor.

You may take advantage of our free service that allows you to pay with a check over the phone "Auto-Pay". Contact our office for details on this rapid and safe method of payment. We also accept MoneyGram, Western Union, VISA, MasterCard and Discover.

For your convenience, you can now pay by credit card online. Just go to www.ezpaynow.com.

Accounts Supervisor

Consumer

Response:

Berks Credit and Collections [redacted]xxx, [redacted]xxxx, [redacted]xxxx - three times I have requested a signed agreement and proof identity was confirmed prior to slandering me through my credit report.Three times I have received nothing other than a printout that proved nothing other than [redacted] owns a computer. REMOVE IMMEDIATELY.

Business

Response:

itemization of the charges have been sent to [redacted]

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because: This is the 21st century, and the mail system has flaws... Please posts the information on here so that the Revdex.com and I can see. Please show where I have a signed agreement with Berks as well.

Regards,

Review: I have contacted this company for approximately the last six months telling them that the account #[redacted] does not belong to me, I have further stated to them that this account is not mine and that I have requested a debt validation in accordance with the Federal Rules of Civil Procedure #1.130. To no avail, this company has reported this fraudulent account on my credit file for the past six months and have not validated this fraudulent debt. I have tried to resolve this matter with less confusion as possible and the company has blatantly ignored me and continued to practice unethical tactics in order to get me to pay accounts that are not mine. I know factually that I have never been contractually obligated to pay a debt with this company because I have never had an account or received services from them. Furthermore, I request that this company cease and desist in all collection activities and or reporting this fraudulent debt. At this point, I demand these accounts be validated expeditiously or I will not hesitate to consult with a consumer attorney to take care of the matter because they continue to ruin my credit worthiness with no concern for me. If the account cannot be proven to be mine, it is against the law for you to report it. I am well aware of my rights. Govern yourselves accordinglyDesired Settlement: delete fraud account

Business

Response:

We had originally spoken to **. [redacted] on Jan 30,2009 about this bill. At that time she stated she had paid the Client. Our Client never received the payments. We have received nurmerous Credit Bureau disputes, each time our Client has responded that the balance was due. We received a written dispute on March 11,2014. We mailed her a copy of the itemized bill on March 12,2014

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved] Review: [redacted]I am rejecting this response because: I have not made a debt with this company and they contuinue to ignore my requests and ruin my credit worthiness with this fraudulent account. I have not recieved the legal instrument contractually obligating me to pay this debt. According to the FTC, mere itemization of a debt does not constitute a legal debt validation. At this point, I will continue by intiating civil litigation in small clai** court for violation of my consumer rights. Please note that I have kept all correspondence from this company for that sole purpose. At this time, I am alsoi requeting that your company cease and desist in all collectyions efforts and or reporting this fraud account. Regards,[redacted]

Business

Response:

We have coded the account as Cease & Desist and have notified our Client also.

Review: Berks Credit & Collection have been trying to get me to pay a $100.00 debt that has been paid the day of service was performed, the co payment apparently was not recorded at the doctors office, I told Berks I dispute this debt but they still report to the three credit bureaus .This has been going on for years now and I had to order a cease and desist to Berks to get them to stop their collection attempts. I can not and will not be bullied into paying a debt I already paid, this was the receptions error not to record my co payment at time of service.Also I have not heard a word about owing any money until 2 years after the office visit.Desired Settlement: Cancel the paid debt and remove any & all remarks from all credit reporting agencies.

Business

Response:

We have already requested deletion of our tradeline in April 2014.

Review: I have been paying a hospital debt for the birth of my son that insurance didn't cover and that I couldn't afford since 2008. It went to collections and I've been paying monthly. I called a few months ago to obtain my balance and it was just over $100 left. I called again today to see if it was close to being paid in full and was told the balance was $390.47!!!! I was NEVER sent a single invoice showing any of this and was told JUST NOW that a $255.10 collections fee was tacked onto the account. This seems illegal, The woman was RUDE and said it wasn't illedgal. I had to hang up. I just wanted to pay what I owed (and couldn't even afford originally). I am sick to my stomach and disgusted that I have to pay an additional fee that I was never aware of and was told the account was almost paid the last time I called. Healthcare is just a business?!Desired Settlement: I want the mystery collections fee removed and my balance adjusted. I can't afford this and it is ruining my credit.

Business

Response:

In reviewing our files, no new charges have been added to the bill. It was originally placed on October 6,2009 for a principal balance of $668.85. The patient had signed a financial agreement with the Client stating if placed in collections, the Client may add a collection fee which they did . I show no records of anyone in our office giver [redacted] a balance of $100.

Review: I guess my complaint involves a health issue, since they are a medical collections agency, however I cannot get any answers from them so I don't know exactly what this is for. They appear on my credit report as a delinquent account that I owe $46 to. I'm trying to clean up my credit report, and want to know what this is so I can either (a) pay it or (b) dispute it, but I can't get any answers from these people. After 4 emails, [redacted] finally answered me and said an itemization would be sent in the mail. For $46, how much itemizing could there possibly be? That was on 4/18/13. I still hadn't received anything by 4/30/13 so I emailed them again. No response. Finally on 5/8/13, after still receiving no response, I sent a 7th email to everyone that had ever read (and ignored, which I know thanks to sending read receipts with my messages) any of my other emails, including the [redacted] email address, the [redacted] email address, [redacted], [redacted], [redacted], [redacted], and [redacted]. Again, ignored. On 5/13/13, I emailed [redacted] and [redacted] again... no response. Then today, 5/16/13, I emailed them yet again saying I was filing this complaint with the Revdex.com because I give up! I'm trying to resolve this - either pay it if it indeed is something I owe, or argue it if it is a mistake, but I can do neither if they will not provide me with any information. Please help! Thanks.Desired Settlement: I would like to know what this $46 is for, and if indeed that is the correct amount. I would also like to know my account number since what appears on my credit report is apparently not correct. And I would like to know how this can be paid (if it is mine), or argued (if it is not mine), and how I can get this removed from my credit report.

Business

Response:

We were unable to obtain an itemization from our client so we have closed the file. We have also requested deletion of our tradline from [redacted]'s Credit Bureau Report.

Consumer

Response:

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,

Review: This company shows up on my credit report saying that I have defaulted on $25 for some time now.

I have never received any communication from this company, I don't know who they are. They have not contacted me.Desired Settlement: Communication and respect from whomever this company is.

Business

Response:

I have mailed validation to [redacted]

Review: I had my credit pulled and I found two collection accounts on my credit. I had my wife contact the company and they told her its her bill for [redacted] hospital in which she has never been there in her life.and she spoke to some lady which failed to give her,her name

so my wife said how can you put this bill that yous claim on my husband credit she claimed that they can do that.but my attorney informed me that it is against the law to do that. I am not responsible for her bills.my credit is mine and hers is hers.Desired Settlement: I want this removed from my credit in a timely manner meaning within 5 days.

Business

Response:

I have coded the account as disputed and ordered a copy of the itemized bill be sent to [redacted].

Review: On July 12, 2009, I became ill where my kids had to drive me to the hospital. Three months later, I received a phone from a representative who said he was from a collection agency I had never heard of before. Matt, he said his name was, was talking rapidly, pressuring me and demanding that I give him my credit card number right then to pay for a bill I knew nothing about. I told the representative to send me bill in the mail. Til this day I still haven't received a bill in the mail. This past April, this collections agency started calling my parents home.Desired Settlement: This company has placed a credit marker on my credit report. I would like for it to be removed. In October I will be paying this bill in full.

Business

Response:

Once the bill in question has been resolved, I will request deletion of our Trade Line from [redacted] Credit Bureau Report.

Review: In the beginning of April 2014 this company reported that I had an account in collections. It was said to be from April 30, 2008. I attempted to contact the company twice since than (Once in April and once in the beginning of May) and have not gotten a response. In my writing, I requested proof of the debt, their ownership of the debt and that this has not exceeded the statute of limitations. While they couldn't respond to either of my attempts to contact them and receive some sort of verification, they were able to report the debt once again on my credit report in the beginning of May. If they are unable to provide any of this information, they should not be allowed to alter my credit and affect my life in a negative manner. It is extremely frustrating that they could not take the time to write me back with an explanation but they were able to report the debt a 2nd time, effectively keeping my credit score altered and also possibly affecting any type of credit/ loan I could need in the near future.Desired Settlement: 1. Proof of the debt

2. Ownership of the debt

3. That the debt is within the statute of limitations if it truly does exist

4. If all 3 of these conditions are not met, I want this removed from my credit report instantly.

Business

Response:

We did receive and email from [redacted] on April 25,2014 giving us a number to call him at. We did attempt but got voicemail. We received another email ion May 15,2014 asking for proof of debt. A copy of the itemized bill was sent on May 28,2014

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved] Review: [redacted]I am rejecting this response because:1. I never once have receive a message and/or voicemail from the company. I have checked this periodically and one would assume that they would leave a message if they had called and were trying to reach me. At the very least they could have e-mailed me to let me know of the attempted contact, but they did not do that either.

2. The location of the business is within 45 minutes of my address. They are saying they have sent me an itemized bill on May 28th, yet on June 10th I still havn't received that letter in the mail.

I would love to get this issue resolved/cleared up, however I don't feel as though the business has the same common goal, otherwise they would have left a message on the times that they claimed they called. They also wouldn't have taken 9 days to respond to the complaint that I left through the Revdex.com.

Regards,[redacted]

Review: Berks Credit and Collections is the most un- scrupulous company - They state that they attempted to collect a debt when they did not and they abuse the credit reporting system like it's a toy to force people into paying something they were already 100%willing to pay (HAD I KNOWN ABOUT IT)! Currently there are FIVE negative listings on my credit reports from them.

Two of the accounts are duplicate reporting and were for deductibles for eye surgery. To make that clear they listed the deductibles on my reports TWO TIMES each on TWO deductibles which gives me FOUR negative accounts. Once I saw these listings I called them and asked what they were for. Once I was told I immediately paid them but I asked why they did not contact me. Their reply "I'm not sure, I'm sure they tried". At that point I verified that my contact information was correct and the address was wrong but the telephone has been the same for years

I am/was going through a divorce and have changed residences but I never got a call about this debt. I questioned why this ONE visit to the eye doctor resulted in FOUR collections to which I still have not been informed. I paid these 2 accounts TWICE when there are 2 for $63.00 and 2 for $77.00 which totaled $280 but I believe the amount was supposed to be $140. Now, before I paid this very condescending lady, I specifically asked "will you remove these FOUR nasty marks plus the previously listed account to which she said "YES" but the FIVE accounts remain.

This is certainly one of the most underhanded and deceitful ways I've ever seen to scam people out of their hard earned money with their fake, inaccurate, and abusive use of the credit reporting system.Desired Settlement: $140 refund, an apology, and removal of all FOUR accounts (BCCC[redacted]xx, BCCC[redacted]xx, BCCC[redacted]xx, BCCC[redacted]xx, and BCCC[redacted]xx) from my credit file.

Business

Response:

Please find attached itemization of charges. There is no refund due. I have requested deletion of our tradelines from [redacted]'s Credit Bureau Report

Review: This company sent a negative collections report to the credit reporting agencies without ever contacting me about the existence of the account. When my I ran my credit report this year, I found the collection on my credit. When my attorney called the company, the company representative said the company is prohibited from collecting in California so no mail, phone calls, or negotiation was possible for this account. How can a company report to the credit bureau without allowing me the opportunity to dispute the account or even know about it? If they cannot collect in California, then how can they even take the account or report to the credit bureau for the account?

I travel internationally regularly so I have my attorney in Arizona as my address. This address is also reported on my credit bureau report along with my California address.

I offered to settle the account in order to remove it from my credit report but they will not respond because I am still a California resident with a California driver's license.Desired Settlement: I want the account removed from my credit report. If they cannot collect on California residents, then they should not be able to report negatively on the credit report without giving me the opportunity to dispute the account. I should have been notified about the account and given 30 days to pay or dispute the account before it was reported as a collection account.

Business

Response:

We have deleted our tradeline from [redacted]s Credit Bureau Request. Also my client has agreed to Settle for $286.00

Review: My complaint is not about the fact I owed money to a company. My complaint is that I am not being refunded an overpayment immediately after the mistake was pointed out to the company. This company uses an outside vendors called [redacted] to take credit card payment. After setting up a monthly payment plan and making payments for a few months I decided the debit got down to an amount reasonable to pay off all at once. I let the normal monthly payment process and the paid the balance to bring me down to $0.00. On 11/21/2013, I received an email notifying me I would be charged my normal monthly fee. I called Berks Credit and Collection to inform them of this. I was told not to worry about it because the email was probably just sent in error. I was still charged on 11/24/2013 and received an email confirmation which also notified me the my credit card will be charged yet again on 12/24/2013.

After making several phone calls to Berks Credit I still have not received my refund and I am not sure they have taken care of the automatic payments. I find it odd that the managers at berks credit don't know where [redacted] is located but I can find this information. In today's technological world a refund should not take more than 24 hours to issue. I understand the clearing of the funds takes longer.Desired Settlement: I want my money back, a written apology for not taking this problem more seriously, as well as a letter from both Berks credit as well as [redacted] stating that I am removed from all automatic payments. I want berks credit to remove their claims from my credit history as well. I will also need proof from the original creditor that Berks Credit has indeed paid this debt.

Business

Response:

We are back tracing the payments and should have confirmations that everything has been processed refunded

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because: The refund is not the only problem here. I received an email in November stating I am going to be charged once again on December 24, 2013. This should not be happening as I have completed the repayment of my debit. This is the same issue that sparked this whole problem I am having with this company. I am not accepting anything until I stop receiving emails stating I am going to be charged for a debit that is already paid off. Tell the third party vendor to remove my name from their list of people to charge. This is 2013 not 1950. This shouldn't be an issue when someone debit gets to $0.00 regardless of the circumstances.

Regards,

Review: This collection agency clearly said they would report a deficient charge on the wife's credit report even though they are receiving payment per the agreement.Desired Settlement: Change their unacceptable practices and issue and apology for their wrong doing when the agreement was clearly meet and make sure nothing has been reported to her credit report. If it has, I will file a complaint with the FTC and sue the company to have it removed.

Business

Response:

As this bill was paid in full within the 30 days from placement this has not affected [redacted]. [redacted]'s Credit Bureau Report

Review: After going to a Dr. and experiencing billing and insurance problems with the doctor, my bill was turned over to BCC. Once talking to the collection agency and giving them the insurance information, I assumed the debt was closed; however, after receiving my first credit report, I discovered a derogatory mark for $20 from two years ago. After calling and asking why I never received a bill or phone call, I was told by the first representative that that was unusual and she herself was curious at why as that was not their standard procedure. She transferred me to her supervisor. The supervisor was extremely rude and after asking why I was never contacted he said there job was not to call and try to collect debts and that that was my problem if I wanted to be contacted. After telling him that I thought he was being disrespectful and I was confused as before the insurance was submitted I was receiving a few calls a day and then suddenly none, thus leading to my assumption that the debt was closed, he said there was nothing that they could or wanted to do to rectify the situation. I will be paying my bill as it is only $20, but I wish I would have been notified early to avoid hurting my credit score. Overall, what upsets me the most about this situation is how disrespectful the supervisor was to me.Desired Settlement: I would like derogatory report taken off of my credit report as this was not an error on my end but theirs as the first representative told me. I would also like an apology from the supervisor I spoke to. I think it is despicable that my credit is now hurt because they switched systems and decided not to call me and let me know the changes to my account and that someone who works in customer service feels that it is ok to talk to customers in that manor.

Business

Response:

The account in question was placed for Collections on Oct 7,2011. We spoke to **. [redacted] on October 18,2011 at which time she stated she would have mer Mom call back to pay for her. We also mailed our Validation notice to her the next day. We never her back for her or or moth. We made numerous attempts up to and including January 12,2012 the day we are notified of the insurance payment.

Review: I had 2 items placed on my credit report with the same account #[redacted] for different amounts. I called Berks to inquire about the debts as I had never been sent a dunning notice so I was never aware of these outstanding balanced that I supposedly owed. The rep I spoke to was extremely rude and basically told me that I should have paid the bills when I received them a long time ago. I tried explaining that I was never sent anything which is why I was calling but was countered with how I should know what bills I owe. Since these two bills are still on my report, I feel that I need a third party to help deal with this agency. It is not the consumer's job to verify the debt that the collection agency is attempting to pursue.Desired Settlement: I would like Berks to delete these tradelines from all 3 credit bureaus and agree to send me a letter stating that this has been done and that my account will not be resold or given to another collection agency.

Business

Response:

We have verified with our Client that the balances are valid. We have coded the accounts as being in dispute. If/When the bills are paid in full we will notify the Credit Bureaus that the accounts are paid in full.

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

The above company has never sent me notification regarding these balances they claim are mine. However, if they will agree, I will pay the balance in full if they agree to remove from all 3 credit bureaus.

Regards,

Review: I am in the process of repairing my credit. I pulled my credit report on October 30, 2013 so see if I had anything reported negatively. Upon my review, I noticed a debt in collections with Berk Credit and Collections in the amount of $40.00. This should have been charged to my child's father and not me being that I have court documentation showing the he is solely responsible for all medical bills. I called Berk Credit and Collections to inquire about the debt and the CSR explained to me that they do not get into domestic matters regarding billing. She was very rude and condescending. I was trying to explain to her that I had no problem paying the debt but I need to know their reporting policy. I asked if she could send me some sort of documentation stating the they would agree to remove/delete this item from my report upon payment. She told me that there was nothing that they could do and that I should be more responsible regarding what I owe. I became disgusted and hung up. I immediately called back to speak with another CSR who must have attended the same training class as the first rep I spoke with. This CSR went into how it was not their fault that my child's father nor myself paid our bills and that was why it was in collections on both of our reports. I was told that they never send out those type of letters and that I would have to wait for it to fall off my report. I explained to her that although the amount would show as paid it would still affect my credit because it would show as an item that was in collections. She then told me that maybe I needed to contact someone in credit repair to give my advice as what to do and that she could not help me.

I know what to do. That is why I CONTACTED THEM IN THE FIRST PLACE. IT IS NOT AS IF THEY HAD TO TRACK ME DOWN. I am quite sure that they are not contacted that often by a person wanting to pay. I did not need her advice. I am trying to do the responsible thing and pay the debt. I do not feel comfortable making payment on this debt without proof that they will remove the item. Why should I make payment on something if I will still be affected negatively? All I want to do is pay them so that it can be removed and we can both go on with our lives.Desired Settlement: I would like a letter from the collection agency stating that they will request the deletion or removal of this debt from my credit report upon payment received. I want the collection agency to report to all the credit agencies that this item is to be deleted or removed from my credit report and not just paid in full. Upon receiving this PFD (PAY FOR DELETION) letter, I will pay the debt immediately. They will have their money and I will have improved credit. Quite simple. Remove the item from my credit!