BYL Collection Services, LLC

Thank you for contacting our office We have reviewed [redacted] accountsWe originally received [redacted] hospital accounts in our office in and they were recalled by the client in All items were removed from her credit when the accounts were recalled The secondary agency ***- [redacted] whom these accounts went to for [redacted] accounts in recently went out of business All [redacted] accounts that were with [redacted] were sent back to BYL by the client A letter went out to [redacted] on all the accounts stating that the current agency no longer services her accounts and they had been recalled back to our officeWe spoke with [redacted] in April stating she didn't understand why the accounts were back in our officeWe explained why they were recalled back and that these were older dates of service [redacted] then filed a dispute with ACDV on 5/19/stating she did not have services in with the clientThe delinquency date was given to ACDV as and delinquency datesWe received a validation request on 6/19/on all accountsValidation was mailed out with a copy of the original bills The accounts are currently reporting as being disputed by the consumer and reporting as an active collection as no payment has been made on any of the accountsOnce payment had been made the account will update as paid in full Please feel free to contact our office at ###-###-#### with any additional questions and the date the complain is closedThank you

(I want to notate that the they're referring to should have been - 3)I accept their response 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] ***

Thank you for contacting our office This account has been closed in our office as we are no longer servicing the account Any continued dispute must be directed to the original client, [redacted] ***This is being deleted from the credit bureau but the balance will remain with [redacted] until resolved by the consumer Thank you and have a great day

DATE \@ "MMMM d, yyyy" December 21, Revdex.com Metro Washington DC & Eastern PA Attn: [redacted] Revdex.com ID# [redacted] Re: [redacted] Dear Revdex.com of Metro Washington and Eastern PA, Thank you for contacting our office I have reviewed the complaint regarding the above referenced person We originally received both accounts from [redacted] on 9/26/ We never received a response to our collection lettersThe address the notices were sent to had been confirmed as a correct address A representative from [redacted] in NJ contacted the [redacted] billing department on October 29, They stated that they are assisting the [redacted] with their medical debts for their child The organization wanted to know what other bills were outstanding They were advised both bills were in collections and were given all our contact information The ***’s never contacted [redacted] ’s billing department or our office to advise they were seeking assistance for their medical debt or that they needed any additional information We have never been contacted by ***The accounts have been placed on a day hold to allow for the organization to make payment on the ***’s behalf Please advise if there is anything further we can assist you with to resolve the above referenced complaint Please contact me via email at ***@bylcompanies.com, by fax at ###-###-#### or by mail to advise when the complaint will be closed I can be contacted at ###-###-#### with any questions you may have Sincerely, Michelle Lynn A [redacted] Collections Manager BYL Collection Services

Revdex.com Metro Washington DC & Eastern PA Attn: [redacted] Revdex.com ID# [redacted] Re: [redacted] Dear Revdex.com of Metro Washington and Eastern PA, Thank you for contacting our office I have reviewed the complaint regarding the above referenced person We originally received the first account from [redacted] on 8/12/ The second account was received in collections on 10/7/ We never received a response to our collection letters [redacted] contacted our office on 11/10/ The address was verified and was accurate in our records [redacted] stated since the amounts were “modest” and he did not receive our notices in the mail, that these should be removed from his creditHe did state that he received the explanation of benefits from his insurance provider [redacted] stated he will pay the balances direct to the original creditorHowever, he wanted to know what the procedure was to remove these from his credit [redacted] was advised the accounts will update as paid in full with the three major credit bureaus, once we receive the payment from the original creditorHis dispute was documented on both accounts and he was advised to dispute the accounts with the three credit bureaus if he felt they were on his credit in error [redacted] stated that disputing the accounts with the credit bureaus is not the answer he wanted and insisted on a procedure in our office to remove these from his credit [redacted] stated he would be filing a Revdex.com complaint to ensure these were removed from his credit due to the minor balances of the accounts [redacted] ’s accounts are currently in dispute The accounts remain unpaid at this time Please advise if there is anything further we can assist you with to resolve the above referenced complaint Please contact me via email at [email protected], by fax at ###-###-#### or by mail to advise when the complaint will be closed I can be contacted at ###-###-#### with any questions you may have Sincerely, Michelle Lynn A [redacted] Collections Manager BYL Collection Services

Thank you for contacting our office We have reviewed [redacted] 's account We received the account from the original creditor on 8/1/The first notice was mailed to the mailing address on file with [redacted] *** On 8/28/ [redacted] 's first notice was returned by the post office as non deliverable as addressed/unable to forward/forwarding address on file expired [redacted] contacted our office on 10/17/and paid his balance in full [redacted] was advised of this information The credit bureau was updated accurately as paid in full, however as a courtesy the orginal creditor is allowing for a removal of this item from the credit report A removal was submitted electronically on 10/19/Please feel free to contact me at ###-###-#### with any questions you may have

[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] Complaint: [redacted] I am rejecting this response because: Information is incomplete and/or inaccurate and does not address the complaints made.I have spoken to the original creditor and made arrangements for payment. A check in the amount of $35 (the original debt) has been issued for both delinquent accounts. (Check was the original creditor's preferred method of payment.) This goes directly to the content of dialog held with BYL representative. BYL states in their response that the debt is unpaid. Their system does not update the status of debts in a timely manner, which leads to inaccurate reporting to the credit bureaus. Complaint to BBB was related specifically to the fact that BYL representative was not able to provide precise/accurate/clear procedural information with regard to how the payments would be processed. It appears that has not changed, even with a supervisor responding to a formal complaint.It's also worthwhile to note that an "account paid in full" is still a negative mark on one's credit, when the type of account is a "collections account." I do not want the accounts to reflect "paid in full." I want them to be removed, altogether. The procedural information I requested from BYL clearly noted this distinction. BYL was not able to provide guidance. Again, of the many issues at play in this case, the single most-important fact is this: I have seen no evidence that BYL Services met the requirements of the law prior to posting information to the credit bureaus. It should never be a "surprise" for a consumer to check one's credit history to find that they have, not just one but TWO, collections accounts without having received any notification that the account had become delinquent or that reporting to the credit bureaus would take place. BYL seems to claim that they had my contact information, including my phone number and address. Why, then, is there no evidence that they were used to notify me they had assumed control of the accounts? For the record: I am a [redacted] employee. I travel all over the world, frequently. I hold a security clearance, which is directly impacted by the status of my personal credit. BYL's conduct in this matter is not only detrimental to my personal credit, but it can impact my ability to respond to issues involving [redacted] Their actions have been, in a word, nothing short of "harmful" to me, my family, and my mission to support active duty military personnel around the globe. I will not consider this matter resolved until the records BYL wrongfully posted to my credit history are completely removed, or at least until they provide me with procedural information that will guarantee their complete removal. Regards, [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: As is typical with BYL, I have yet again not received a specific breakdown of the disputed chargesI have requested, time and time again, to receive said breakdownLet me recap my position, as relates to the following charges on my invoice:Rent - $My records show all rent has been paidIf this may be a late charge, all late charges have been dealt with verbally and through writing with the ***Additionally, towards the end of the rent period, the ***, without warning, changed their billing system which resulted in problems with rent payments not posting correctlyAs such, this charge is invalid.Utilities - Water/Electric - $All utilities were on a cap system with the ***This would suggest an overage of $($93.13x4) with four occupantsThe likelihood of such a large cap overage is very lowThe [redacted] has not provided a copy of the utility bills showing the breakdown between the four occupantsThis charge is invalid if the [redacted] will not produce copies of the utility bills.Turnover/Painting - $Every apartment has wear and tear, and it is the ***’ responsibility to ready the apartment for the next occupantI have requested a breakdown of work, documentation showing the equitable split between all four occupants, and the contractor’s paid billThese were brand new apartments and we were the original tenantsAny damage in my room was very minimal, as evidenced by the pictures in the unit inspection reportAlso, the [redacted] has not provided documentation differentiating any damage attributed to my room and the damage to the common areas The amount of claimed damage, especially if it was multiplied by four tenants in a brand new apartment, equates to $($143.43x4), which is excessiveThe [redacted] also needs to provide a copy of their itemized IRS tax form for the paint depreciation in this unitCleaning charges - $- The apartment was cleaned top-to-bottom before all occupants moved outThe likelihood of this small apartment requiring $($83x4) in cleaning charges is preposterous$seems more appropriate for a mansion, rather than a small apartmentThe [redacted] has not provided a copy of the contractor’s paid bill or documentation showing the split between all four tenants.Coffee table - $- A receipt showing the purchase of replacement table has not been producedNeither has documentation or the split between the four tenantsAdditionally, if a new table was purchased, I request the original table, or at least a quarter of it, be transferred into my possessionThe [redacted] also needs to provide a copy of their itemized IRS tax form for the furniture depreciation in this unit.Administration Fee - $- There is no basis in my lease agreement for any administration fee upon move-outThis fee is invalid.Frankly, I am tired of dealing with the incorrigible doublespeak both on the part of BYL and the ***If BYL/the [redacted] fail to provide the proper documentation requested, I will begin the process to file a lawsuit against both of them, because neither have dealt with me in good faithIn fact, the [redacted] has never once satisfactorily contacted me to reply to any of my inquiriesSimply providing a picture of the alleged damages does not satisfy my request for an explanation of the repairs and documentation proving the work was actually performed.BYL has specifically acted in bad faith with me, especially in terms of reporting the dispute to the three major Credit BureausI have contacted all three [redacted] has deleted the collection account from their records [redacted] and [redacted] both report that BYL has denied to them that my claim is in disputeAdditionally, these two bureaus advised me that no one from BYL has contacted their bureau informing them of my dispute.My patience is wearing thinIf BYL and the [redacted] do not expediently address and resolve my concerns and produce the requested documentation, it will leave me with no other recourse other than to take this matter to court Regards, [redacted]

[redacted] attempted to contact our office on 8/3/ Unfortunately, due to a computer glitch, we had a total computer system failure Our computer system as well as online system was down, therefore, customers were unable to contact us or access their information online [redacted] had previously paid her balance off on 6/17/ She had no balance due We spoke with her on 8/5/and explained that her account was paid in full She already had a paid in full letter from us from that date Her complaint at that point was resolved from our office and she was satisfied with our call If you have any additional questions, please feel free to contact our office at ###-###-#### or direct at ###-###-#### Please fax at closed letter to our office at ###-###-#### once this matter has been resolved and closed Thank you Michelle A***Coilections ManagerBYL Collections Services

[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]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:
certain items that they are saying are not true. Facts are: I only received one letter from them which I received yesterday (9/3/15). The shipping label they sent me did not match the shipping label that *** had for me to use which would result in a mix up in shipping the item back to *** or the item being claimed as lost and they will charge me the $1995.00. Any collections are reported to credit bureaus. I don't know where they think collections don't because they do and they are refusing to fix the problem of removing any and all information regarding this case from all three credit bureaus
Regards,
*** ***

BYL Collection Services
*** *** ***
*** ** ***
*** *** *** *** ***
*** ** *** ***
*
Revdex.com ID#***
*** ***
Dear Revdex.com of Metro Washington and Eastern PA,
Thank you for contacting our
office. I have reviewed the complaint regarding the
above referenced person. We originally
received this account from *** *** Health Systems on 7/04/We
never received a response to our collection letterOur first contact with *** *** was on 10/12/2015. The address was
verified as correct*** *** immediately stated that this was effecting her
credit, wanted this removed and that if we refused to remove it, wanted this
escalated to the executive office to file a complaint. *** *** was informed that because we did
mail the notice to the correct address, that the account would update as paid
in full once paid*** *** requested an itemized bill and requested the call
be escalated to a mangerIt was explained that we were the appropriate office
to file a complaint with, that the itemized bill will be requested immediately
and the call will be transferred to a manager.
*** *** was offered a payment arrangement on the account, which she
refused.
The call was transferred to the collection manager. *** *** wanted the address of the
executive office to file a complaint. *** *** was advised we are the corporate officeWe are the only office that
exists and there was no other office to file a complaint with*** *** would
not take the address to file the complaint but did state she will file a
complaint with the Revdex.com and the *** or any other entity needed until this item
is removed from her credit. She was
assured an itemized bill was being mailed to herThe address was again
verified as correct and she stated that she did not receive our notice in the
mailThe account is in dispute until *** *** has had time to review the
itemized bill She did refuse any
payment arrangement again at that time.
The itemized bill was mailed to *** *** on 10/14/
ContdPage
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Please advise if there
is anything further we can assist you with to resolve the above referenced
complaint. Please contact me via email
at *** by fax
at *** or by mail to advise when the complaint will be closed.
I can be contacted at *** *** with any questions you
may have
Sincerely,
Michelle Lynn A***
Collections Manager
BYL Collection Services

Thank you for contacting our office We have spoken to *** *** several times regarding this issue BYL collections did not refuse to take her HSA over the phone *** *** has paid via this payment method in the past*** *** insisted on mailing in a payment stub with
her HSA payment information on it Unfotunately, the processing department cannot process HSA through the mail *** *** refused to give her HSA information over the phone for this particular payment*** *** made payments on her accountOnly were made with her HSA card and all other payments were checks mailed into our office*** ***s payment when she mailed it direct to the client was misapplied to an incorrect account When the error was discovered the client authorized the payment to be applied correctly and a credit removal to be issued *** *** was advised by the client and our office that this would be removed form the credit report The removal was done on 3/16/and her payment was applied to close her account on 3/16/ *** *** was also mailed a credit removal letter so that she has it for her recordsWhy this complaint was filed is unknown since the client resolved the account to the customer's satisfaction as requested Please feel free to contact our office with any additional questions

Thank you for contacting our office *** *** mailed a settlement payment which was not received until after the the expiration date of the settlement offer She had until 3/31/to have the payment received in our officethe payment was not received until 4/3/Therefore, the
account was not settled in full as she missed the deadline to make the settlement payment *** *** did not speak with people in our office*** *** has spoken with representatives as well as supervisor We spoke with *** *** times in May advising her that the settlement was not received in time and a further balance was dueThe second call in May 16, ** *** agreed to make a $a month payment to our office to resolve the remaining balance No payment was ever received ** *** claims it wasn't her fault that the mail didn't get it to us in timehowever she didn't mail the settlement until days before the deadline that the payment was due in our office As a courtesy we recently closed the account as settled in full and her credit report will be updated as settled in fullShe has already been sent a settled in full letter Please let me know if you need any further inforamation to close the dipsute

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because:This discrepancy looks to be older than yearsYou cannot just take over a debt and report it as new
Regards,
*** ***

---------- Forwarded message ----------From: *** ***Date: Tue, Feb 23, at 8:PMSubject: Complaint resolvedTo: [email protected] complaint was resolved.Thank you

Thank you for contacting our office We received the account in our office on 5/5/from the original creditor No response was received to our notices We Spoke with *** *** on 9/27/We reviewed the balance with him and he stated that he would pay the balance only if we
removed the account from his credit*** *** stated that he is applying for a mortgage and he needs this removed from his credit*** *** was advised that the account is on the credit accurately and we would update the account as paid in full once the account is paidHe is welcome to dispute the account and we can update the credit bureau if he wants to dispute the account, but we cannot remove it from his credit*** *** wanted to know why we could not remove the accountWe advised him that we are required to update accurately and we cannot do courtesy deletions Since the account is in collection accurately we must update as paid in full once the account is paid *** *** informed us that he would be contacting his attorney and ended the call The account remains unpaid Once the account is paid the account will update as paid in full with all the credit bureausWe can be reached at ###-###-#### with any questions or concerns Thank you Michelle A*** Collection ManagerBYL Collection Services

BYL Collection Services
P.OBox
***
Malvern,
PA ***
Phone: ###-###-#### (Toll Free)
Fax #: ###-###-####
Revdex.com ID#***
*** ***
Dear Revdex.com of Metro Washington and Eastern PA,
Thank you for contacting our office. I have reviewed the complaint regarding
the
above referenced person. We originally
received this account from *** Device Recovery on 8/04/for the
amount of $1,995.00. The sole purpose is
to recover the heart monitor for return to the client. We send a return *** label with the letter
stating we are merely seeking the return of the monitor and failure to return
will result in the client charging them, for the heart monitorWe never
received a response to letter nor have we spoken to *** *** It appears *** *** either used our label
for return of the unit or used the return label the client provided her as she has
stated she returned the unit on 8/19/2015.
This does not report to the credit bureaus nor does the letter imply it
willWe are in contact with the client to confirm return of the unit and will
close the account upon confirmation of return
Please advise if there
is anything further we can assist you with to resolve the above referenced
complaint. Please contact me via email
at ***@bylcompanies.com, by fax
at ###-###-#### or by mail to advise when the complaint will be closed.
I can be contacted at ###-###-#### with any questions you
may have
Sincerely,Michelle *** A***
Collections Manager
BYL Collection Services

DATE \@ "MMMM d, yyyy" November 17,
Revdex.com Metro Washington DC & Eastern PA
Attn: *** ***
Revdex.com ID#***
Re: *** ***
Dear Revdex.com of Metro Washington and Eastern PA,
Thank you for contacting our office with your reply from the
customer. We have contacted *** *** and spoken with their billing office As of today’s date, November 17, 2015, they
have not received payment on either accountWe receive daily files from themIf
*** *** has a cancelled check he would like to provide for proof of
payment, we will forward that to the original creditor for review.
As a courtesy, we have submitted both accounts for credit
removal *** ***’s accounts will remain on hold for days to allow
the payment to be received by the original creditor and forwarded to our office
to close the accounts. If payment has
not been received after days from the date of this letter, the hold will
come off both accounts.
Please advise if
there is anything further we can assist you with to resolve the above
referenced complaint. Please contact me
via email at ***@bylcompanies.com,
by fax at ###-###-#### or by mail to advise when the complaint will be
closed.
I can be contacted at ###-###-#### with any questions you
may have
Sincerely,
Michelle Lynn A***
Collections Manager
BYL Collection Services

Thank you for contacting our office.  This account has been closed in our office as we are no longer servicing the account.  Any continued dispute must be directed to the original client, [redacted]. This is being deleted from the credit bureau but the balance will remain with [redacted] until resolved by the consumer.  Thank you and have a great day.