BYL Companies

a medical account I have with *** hospital was placed with BYL, I setup arrangements and adhered to it, unfortunatedly I couldnt pay them directly since I was using my HSA card, and they couldnt process thati paid *** hospital through my bill pay every single monththey inturn updated byl collectionsunfortunately my payments for febraury and march of was misapplied and therefore was reportrf to BYLI RECEIVED a letter dated 03/01/of an outstanding balanceI called them on 03/09/come to find out it was reported on 03/02/2017, didnt even give me a chance to check with *** where my payments were
I called *** billing, come to find out my february and march payments were misappliedcalled the collection agency with supervisor *** to let them know of the situtation *** from *** billign wanted to adjust my account and repost the payment correctly..to make a long story short I paid it over the phone in full
I have all th

I received a negative remark on my credit report stating I had an unpaid collection in the amount of $I contacted the collections company on May 31st and discovered the negative item was a fee resulting from what my medical insurance didn't cover for a medical itemI was NEVER billed for amount and contacted the collection company to request that they remove this remark from my credit report as I was never sent a bill for this itemI spoke to Tina in the consumer payment department and was told that they are "unauthorized to report credit charge offs"I requested to speak to a manager and was rudely and abruptly put on holdShe then returned and told me that the manager Patricia was unavailable as she just came into the office and would return my call later that dayShe never returned my call???
I just want to pay this bill and have it REMOVED from my credit report as I was never billed for it!!

I received a negative report on my credit report from this collection agency this morning over some unknown $amount My complaint is that I have never heard from this agency before I have not been contacted by anyone A collection agency should not be allowed to be acredited by the Revdex.com if they make no attempt at resolving a collection before putting negative marks on a credit report Please revoke their accreditation

BYL purchased a collection account from the *** apartment management company at *** ** *** **, Normal, IL***However, this purchase was made in the middle of a correspondence between myself and the ***, in which I requested a thorough explanation of charges, which I never receivedI have filed a separate complaint with the *** in regards to the lack of correspondence
Upon contacting BYL, I informed them of my continued attempts to correspond with the *** in order to come to an agreementBYL recommended that I file complaints with ***, ***, and *** in order to remove the derogatory credit marksIn addition, BYL told me that they would also file the necessary paperwork with the credit bureaus to inform them that the collection was in dispute on BYL's end
I filed a dispute with each credit bureau*** removed the markThe *** and *** disputes both explained that they had contacted BYL and verified that the derogatory marks were

I recently applied for a new home mortgage and when the financial institution I was working with did a credit check they found a BYL "claim" from that I owed $ This was the first time I knew of this "claim"I called BYL and spoke to a lady named Tina and she told me it was from an apartment (in Tempe, AZ) that my son *** rented while attending ***I told her that I was more than happy to pay the $if they, in return, would remove the claim from my credit report, as it is precluding me qualifying for a mortgageTina said they can't do thatI asked to talk to a supervisor and Tina connected me with a lady named MichelleShe also told me that they couldn't remove this claim as that some new law precluded them from doing soMy lawyer advises me that the law doesn't preclude them from removing the claim
At any rate I did not pay the $(which has almost a 100pt impact on my credit score) and am seeking your help to see if we can't rectify this situation I am more

I do not have a contract with a BYL servicesI am not liable for collection on this debt from *** *** I am not responsible for this debt

December 21,
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. I have reviewed the complaint regarding
the above referenced person. We
originally received both accounts from *** *** *** *** 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 *** *** in
NJ contacted the *** *** billing department on October 29, 2015. They stated that they are assisting the
*** 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
***’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***
Collections Manager
BYL Collection Services

I received a ding in my credit karma app saying I had a negative remark on my credit reportI had no idea what it was referring to and contacted the company to find out that I had an unpaid collection in the amount of $that I was never billed forIt was a fee resulting from what my medical insurance didn't cover for a medical itemI was NEVER billed for this and contacted the collection company to request that they remove this remark from my credit report as I was never sent a bill for this itemI spoke to Tina in the consumer payment department and was told that they are "unauthorized to report credit charge offs"I requested to speak to a manager and was rudely and abruptly put on holdShe then returned and told me that the manager Patricia was unavailable as she just came into the office and would return my call later that dayShe never returned my callShocking!
I just wanted to pay the bill and have it REMOVED from my credit reportThis business is conducting FRAUDULENT BUSINESS PRACTICES by putting negative marks on someone's credit report without ever billing them

In I received a letter stating if I paid by the account would be considered paid in full and would be posted as suchI still have the letter and I had notated it was mailed so it would have been post marked by Upon applying for an apartment *** I found that I had an outstanding lease so I called BYL collection services who state that that was not the letter sent to meI emailed them the letter on Saturday per LaQuana and today when I called Sarah noted the last contact with me was in May When it was Friday and Saturday I have received zero correspondence from BYL collection services in the last five years and would not have known this was still active had I not been denied for a rental is the *** ***I am trying to work with this company but I have been met with rudeness from people I have spoken with

I was contacted out of the blue by BYL Collections Services about a $Debt from an alleged former residence They only gave a general location - not a street address of a home, or, an apartment complex name that could be identified They failed to identify the street address, city, state, or, an apartment complex name, or, street, city, state location, AND TIME FRAME that I could identify, and, they gave very little information about themselvesA LEGITIMATE AGENCY should be able to provide more DETAILED INFORMATION IF THEY WANT TO COLLECT A DEPT And, they offered very little information about themselves I had to look them upIt seems to me the Revdex.com of the area this business is located in could do a better job of protecting the public from such scammers besides stating this business is NOT Revdex.com ACCREDITED THEY COULD HAVE THEM INVESTIGATED AND SHUT DOWN!!

November 17, 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 with your reply from the
customer.  We have contacted [redacted] and spoken with their billing office.  As of today’s date, November 17, 2015, they
have not received payment on either account. We receive daily files from them. If
[redacted] 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.  [redacted]’s accounts will remain on hold for 60 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 60 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 [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

---------- Forwarded message ----------
sans-serif;">From: [redacted]<[redacted].com>Date: Tue, Feb 23, 2016 at 8:22 PMSubject: Complaint resolvedTo: [email protected] complaint was resolved.Thank you

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

BYL Collection Services
P.O. Box
[redacted]
Malvern,

w:st="on">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] Device Recovery on 8/04/2015 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 [redacted] 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 monitor. We never
received a response to letter nor have we spoken to [redacted].  It appears [redacted] 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
will. We 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 [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 [redacted]
Collections Manager
BYL 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]

[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]

Review: I was contacted by phone by BYL Collection Agency. They left a phone number to call and they said they were from a heart monitoring company in Pennsylvania and I have an $80.00 outstanding balance and wanted my Social Security number and address which I provided. I offered to pay over the phone and they said they would send me an invoice WHICH I NEVER RECEIVED!!!! The office manager from the doctor's office said that no other patients have been charged for this monitor. Payment was also made from my [redacted] insurance.

Now they are harassing me again and I am very uncomfortable with the feeling my personal and confidential information along with my credit history has been compromised!!! It's no wonder they have an F rating from Better Busuness Bureau!Desired Settlement: Stop the harassment!!!!

Business

Response:

[redacted],

Attached is the complaint reply. The letter is password protected. I will email you on your office email the password for security reasons. Please let me know if there is anything further I can assist you with and please let me know when the complaint has been closed.

Collections Manager

BYL Collection Services

Business

Response:

September 4, 2013

Dear **. [redacted],

Thank you for contacting our office. I have reviewed the complaint for [redacted]. We received the account in our office on 12/21/2012. Our first notice was mailed 12/21/2012.

We first made contact with **. [redacted] on 4/4/2013. She confirmed that the address on file was incorrect. She refused to give a correct mailing address to mail another notice to her. **. [redacted] stated she was going to call her doctor because she had never received a bill. We did not attempt to contact **. [redacted] again until 8/20/2013 to allow her time to review the account with her Doctor. **. [redacted] answered our second attempt to call her on 8/22/2013 and stated not to call her again and hung up. The account was put in dispute at that time.

The Original balance was $262.50, there was a contractual adjustment of $177.07 with a remaining balance of $85.43 which was applied to **. [redacted]’s deductible she owed her the insurance carrier. This has not and will not report to the credit, however, the balance is valid and due per her insurance company.

She is welcome to dispute the deductible with her insurance carrier if she would like. Please advise if there is anything further required to assist in closing this complaint. Please contact me via email at [redacted] or to [email protected] to advise when the complaint will be closed.

I can be contacted at ###-###-#### or direct at ###-###-#### with any questions you may have.

Sincerely,

Review: I have been unable to make payments to this account. I attempted to settle, but their offer was unreasonable for my financial situation. I have received two unethical collections notices in the past month and they need to stop. (one stated that they will send the debt back to the original debtor and the second said that they will continue to contact me until they're paid) I hate that it has come to this, but I am out of options. I have no desire to speak with representatives of this company until something reasonable can be done. I have also made the FTC aware of this.Desired Settlement: I would like a reasonable settlement (10%) from this collector, and the collection notices with unethical statements aimed at me to stop, and information regarding this debt to be cleared from my credit report, and an apology for the duress they have caused.

Business

Response:

[redacted],

Thank you fo the email. I have attached the response to the Revdex.com complaint. Please respond back once this is reviewed and advise when this will be closed. Have a great day. The letter is password protected. The password will be emailed to you in a seperate email for security reasons.

BYL Collections Services

Review: I received notice of this supposed debt to the [redacted] via the collections agency on 7/30/13. Prior to this notice I had not received any bills or phone calls regarding the supposed debt from the [redacted]. I called BYL Collections on 7/31/13 and disputed the validity of the debt. . Spoke w/ [redacted] and requested itemized bill. [redacted] said they would send the itemized bill within 7-10 business days. On 8/1/13 mailed certified letter to BYL Collections disputing validity of debt. On 8/8/13 I called BYL Collections and let them know I had still not received the itemized bill. Spoke with [redacted] who told me they only have one person who prepares written responses and that they do not have a time frame in which they have to get the response back to me. She told me that [redacted] should not have told me that the itemized bill would arrive in 7-10 business days because that was not true. A few minutes later I called BYL Collections back to inquire as to whether an itemized bill would include the payments I made to [redacted]. This time I spoke with [redacted] again. She said it would not necessarily contain the payments that were made. I requested that the itemized bill contain both the charges as well as the payments made due to the fact that multiple parties had made payments to [redacted]. After getting off the phone to check, she came back on the phone and said that they would request an itemized bill from [redacted] that included both the charges as well as the payments made. I then informed her that [redacted] had told me that they did not have to get this information to me in any specific time frame. [redacted] told me that they usually tell people 7-10 business days since that is approximately what it takes to get the information out to people. I told her that they should get their stories straight on what is correct before they give out incorrect information.Desired Settlement: Please get me the itemized bill including all charges as well as payments made in a timely and efficient matter. Do not contact my creditors while this supposed debt is in dispute or if I prove I do not owe the money.

Business

Response:

[redacted] Marie [redacted] ID [redacted]

Inboxx

[redacted], [redacted] <[redacted]>

9:15 AM (1 hour ago)

to me

[redacted]. [redacted],

Good morning. As per our conversation yesterday regarding the above mentioned claimant. I would like to let you know that we have resolved any issues that we had regarding a balance due on her account which had been forwarded to our collection agency BYL Companies. After extensive review of her account it has been determined that her insurance company [redacted] had processed her claims incorrectly and reflected a balance due by [redacted]. [redacted]. We have contacted the insurance company to correct her insurance claims to remove any balance that they incorrectly stated was due.

In addition her account has been pulled from the collection agency and no information has been sent to any of the credit bureaus therefore she has no negative effect on her credit.

I have spoken with [redacted]. [redacted] directly and explained everything to her and she was satisfied with our conversation.

Account Representative

###-###-#### (phone)

###-###-#### (fax)

[redacted] (email)

Consumer

Response:

August 28, 2013

I have reviewed the response made by the business in reference to complaint ID [redacted]. [redacted] has taken steps to resolve this conflict and is moving in the right direction. I am still unhappy that it took several certified letters and complaints w/ 2 consumer agencies to get the business to respond to my calls. Had the response occurred when I contacted them initially, the error would have been caught sooner and I would not be out the time, money, and anxiety it took to begin to resolve the problem. I will continue to monitor the progress until the entire conflict has resolved, but at this time I am satisfied with the efforts being made.

Regards,

Business

Response:

Complaint #[redacted]

Inboxx

[redacted], [redacted] <[redacted]>

1:10 PM (2 hours ago)

to me

Dear [redacted],

We have resolved the about complaint and have released the patient from any responsibility for the bill that was in question. Please feel free to contact me or the complainant with any questions.

Thanks,

Director, Patient Accounts

8945R Ridge Avenue

Philadelphia, PA 19128

P: ###-###-####

F: ###-###-####

Review: I dispute the validity of this debt for $59 dollars, According to the Fair Debt Collection Practices Act, I have a right to receive all the billing statements totaling this debt of $59 dollars, I am requesting validation of this $59 dollar debt to be mailed to my home address, from the collection agency, BYL Collection Services, I have reported the unfair collection practices of BYL Collection Services to the Federal Trade Commission and Pennsylvania Office of the Attorney General, Consumer Protection Division.Desired Settlement: I dispute the validity of this $59 dollar debt, I need all billing statements mailed to my home, I request a letter from BYL Collection Services, regarding this $59, I do not owe this $59 dollars

Business

Response:

December 2, 2013

Dear **. [redacted],

Thank you for contacting our office. I have reviewed the complaint for [redacted]. We received the account in our office on 12/03/2012. Our first notice was mailed 12/04/2012. Attached is the final bill from [redacted] gas. We have mailed this letter along with the final bill to the new address **. [redacted] provided in your complaint.

We have made many attempts to call **. [redacted] with no avail. He has never returned our calls nor has he ever spoken to our office. The address and phone number on file is the last known address with [redacted] Gas. No forwarding address was given to [redacted] Gas by the debtor.

Please advise if there is anything further required to assist in closing this complaint. Please contact me via email at [redacted] or to [redacted] to advise when the complaint will be closed.

I can be contacted at ###-###-#### or direct at ###-###-#### with any questions you may have.

Sincerely,