BYL Collection Services, LLC

(I want to notate that the 23 they're referring to should have been 2 - 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]

[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]

Thank you for contacting our office.  We have received [redacted]'s multiple disputes over the last six months.  We have mailed her out proof of the balance being accurate and correct and that her insurance company has not paid this balance.  The remaining balance is patient...

responsibility. The most recent verification of the balance was done 12/9/16.  Once [redacted] has paid the balance in full, the account will update as paid in full with the credit bureaus.  If she can provide proof of payment by her insurance carrier that this has been paid with in the last 3 weeks, she may email that information to our office at [email protected] youMichelle A[redacted]Collection ManagerBYL Collection Services

Please be advised we will do a one time courtesy deletion on the above two accounts in question to resolve the customers complaint.  Please note the accounts will stay on hold for 90 days to allow for payment to be made. Please have the customer follow up with our office if payment is not made within that time.

Thank you for contacting our office.  We have reviewed [redacted] accounts. We originally received [redacted] hospital accounts in our office in 2015 and they were recalled by the client in 2016.  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 2016 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 office. We spoke with [redacted] in April 2017 stating she didn't understand why the accounts were back in our office. We explained why they were recalled back and that these were older dates of service.  [redacted] then filed a dispute with ACDV  on 5/19/17 stating she did not have services in 2017 with the client. The delinquency date was given to ACDV as 2013 and 2014 delinquency dates. We received a validation request on 6/19/17 on all accounts. Validation 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 accounts. Once 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 closed. Thank you

Thank you for contacting our office.  We received the account from the original creditor [redacted] on 4/1/15.  [redacted] did not respond to notices from our office.  This is a final bill at shut off for the service address of [redacted].  If [redacted] believes...

this is not her debt or may be fraud or identity theft, she will need to contact [redacted], and obtain a fraud packet from them and file a police report for identity theft.  The balance remains in dispute by the consumer until such time as either it is paid or fraud /identity theft information is received.

Thank you for contacting our office regarding [redacted].  We have spoken to [redacted] and his mother.  On 5/11/16 [redacted] stated that she wanted particular invoices pertaining to damages.  As of today, the property stated they will have the documents to us within 48...

hours.  Since college move out is in process in the month of May, they have been been delayed getting the documents. [redacted] also stated she would provide proof that some damages were not valid, however no documentation has been received by her as of today's date.   This account recently started reporting to the credit bureaus as of 4/5/16.  We have alerted the credit bureaus that this account is in dispute by the consumer. We did advise that the the Gallagher's, they were welcome to dispute this with the credit bureaus as well, however, we did not advise them that the credit bureaus would remove the item from their credit. We will mail out the requested documents upon receipt of them from the property.  The Gallagher's will be given a time frame once the documents are mailed to provide proof that the balance is not accurate before the account will come out of dispute or is resolved. The credit bureaus will be updated as to the appropriate status monthly until resolved. Please feel free to contact our office at the toll free number of ###-###-#### with any additional questions or concerns.  Michelle A[redacted]Collection ManagerBYL Collection 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 although I don't know if my credit score was repaired.I did not hear back from any of the 3 companies that grade us about this matter.
Regards,
[redacted]

Thank you for the response.  Multiple shipping labels are sent to the patient as it is assumed the original labels are lost, since the medical device was not returned. This account has not and will not be reported to the credit bureaus.  Should there be any additional question to concerns, please feel free to contact our office.

[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]

[redacted] attempted to contact our office on 8/3/15.  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 6/17/15.  She had no balance due.  We spoke with her on 8/5/15 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[redacted]Coilections ManagerBYL Collections 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 8/12/2013.  The second account
was received in collections on 10/7/2013. 
We never received a response to our collection letters. [redacted]
contacted our office on 11/10/2015.  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 credit. He did state that he received the explanation
of benefits from his insurance provider.
[redacted] stated he will
pay the balances direct to the original creditor. However, 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 creditor. His 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

Dear Revdex.com,Thank you for contacting our office. We received this account from the original creditor [redacted] on 5/1/16. Notices were mailed to the forwarding address Mr. [redacted] provided to [redacted] as his mailing address. No reply was received from our notices. The balance is a result of a...

final unpaid gas bill. The account reports to the credit after 60 days from receipt of the account if no payment arrangement has been made. Mr. [redacted] may contact our office at the toll free number of ###-###-#### to discuss the account with our office.  Once the account is paid in full, it will update as paid in full with the credit bureaus. Thank you Michelle A[redacted]Collection Manager

[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 Revdex.com 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 response. If 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 charges. I have requested, time and time again, to receive said breakdown. Let me recap my position, as relates to the following charges on my invoice:Rent - $20. My records show all rent has been paid. If this may be a late charge, all late charges have been dealt with verbally and through writing with the [redacted]. Additionally, towards the end of the rent period, the [redacted], without warning, changed their billing system which resulted in problems with rent payments not posting correctly. As such, this charge is invalid.Utilities - Water/Electric - $93.13. All utilities were on a cap system with the [redacted]. This would suggest an overage of $372.56 ($93.13x4) with four occupants. The likelihood of such a large cap overage is very low. The [redacted] has not provided a copy of the utility bills showing the breakdown between the four occupants. This charge is invalid if the [redacted] will not produce copies of the utility bills.Turnover/Painting - $143.43. Every apartment has normal wear and tear, and it is the [redacted]’ responsibility to ready the apartment for the next occupant. I have requested a breakdown of work, documentation showing the equitable split between all four occupants, and the contractor’s paid bill. These were brand new apartments and we were the original tenants. Any damage in my room was very minimal, as evidenced by the pictures in the unit inspection report. Also, 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 $573.72 ($143.43x4), which is excessive. The [redacted] also needs to provide a copy of their itemized IRS tax form for the paint depreciation in this unit. Cleaning charges - $83.00 - The apartment was cleaned top-to-bottom before all occupants moved out. The likelihood of this small apartment requiring $332 ($83x4) in cleaning charges is preposterous. $332 seems more appropriate for a mansion, rather than a small apartment. The [redacted] has not provided a copy of the contractor’s paid bill or documentation showing the split between all four tenants.Coffee table - $38.34 - A receipt showing the purchase of replacement table has not been produced. Neither has documentation or the split between the four tenants. Additionally, if a new table was purchased, I request the original table, or at least a quarter of it, be transferred into my possession. The [redacted] also needs to provide a copy of their itemized IRS tax form for the furniture depreciation in this unit.Administration Fee - $40.60 - There is no basis in my lease agreement for any administration fee upon move-out. This fee is invalid.Frankly, I am tired of dealing with the incorrigible doublespeak both on the part of BYL and the [redacted]. 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 faith. In fact, the [redacted] has never once satisfactorily contacted me to reply to any of my inquiries. Simply 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 Bureaus. I 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 dispute. Additionally, these two bureaus advised me that no one from BYL has contacted their bureau informing them of my dispute.My patience is wearing thin. If 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]

Thank you for contacting our office.  We have reviewed [redacted]'s account.  We received the account from the original creditor on 8/1/17. The first notice was mailed to the mailing address on file with [redacted].   On 8/28/17 [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 10/17/17 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 10/19/17. Please feel free to contact me at ###-###-#### with any questions you may have.

[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 because the business has basically admitted that they violated FCRA by not notifying me of a debt before reporting it to the credit reporting agency. They can candy coat it all they want as "a courtesy" to remove the notation, but they did not notify me because they did not have the correct address due to no fault of my own. 
Regards,
[redacted]

BYL Collection Services
P.O. Box
[redacted]
Malvern,
PA [redacted]
Phone: ###-###-#### (Toll Free)
Fax #:  ###-###-####
 
Revdex.com ID#[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 this account from [redacted] on 9/20/2014 for the
amount of $125.00.  We never received a
response to our collection letter or calls. [redacted] contacted our office on
2/20/2015.  The address and phone number
were verified as correct.  [redacted] stated
that she would only pay this balance if it was removed from the credit. [redacted] was informed we cannot remove as it, however, it would update as paid in
full once payment was made. [redacted] stated she would call us back, however
we never heard back from her.  The
account remains open and unpaid.  
  Please advise if there
is anything further we can assist you with to resolve the above referenced
complaint.  Please contact me via email
at [redacted]@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

DATE \@ "MMMM d, yyyy" December 21, 2015
 
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 9/26/2015.
We never received a response to our collection letters. The 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, 2015.  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 [redacted]’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 **. [redacted]. The accounts have been placed on a 45 day hold to allow
for the organization to make payment on the [redacted]’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 [redacted]@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

We receive a validation request from [redacted] on 4/28/17 regarding his account.  We received his account in our office on 3/25/15 from the original creditor [redacted].  Validation along with the court judgments were mailed out 5/18/17.  We will be more than happy to resend...

them to [redacted].  I do not want to attach all the paperwork on this site do to all the sensitive nature of the court documents being a public site.