C.D. Denison Orthopaedic Appliance Corporation

VCS sent consumer a validation notice on 12/6/as required under FDCPAVCS Sent consumer courtesy payment reminder notices on 3/7/and 4/7/VCS has spoken with consumer times between 12/6/and 4/21/On 1/22/consumer advised VCS repshe would make future payments online and has had the access to do soConsumer may call ###-###-#### to speak to a representative to pay account or can pay on line as done priorOnce account has been paid in full and good funds received we can send consumer letter stating paid in fullThis account has not been reported to any credit reporting agencies

On 11/9/VCS sent consumer a validation notice and consumer failed to respond to notice within days and notice was not returned by the U.SPost OfficeThere is a presumption of law if the a notice is not returned it is deemed deliveredOn May 20, in response to consumers first dispute letter VCS provided consumer the name and address of creditor, account numbers and balance dueOn May 27, in response to consumers second dispute letter we again provided consumer the name, address, account numbers, dates of service and balances dueConsumer has the opportunity to contact the creditor directlyIn consumers complaint she has acknowledged she knows of the creditor, our client, and "has worked with" this creditorConsumers allegation that we have refused to provide her the creditors name and account numbers is without merit as we have provided consumer the name, address, account numbers, dates of service and balances owed to our client and consumer has acknowledged she has even worked with the creditorWe have asked the creditor to send consumer copies of the itemized statementsUnder FTC regulation C.F.R660.4(d) we have asked consumer to provide us the specific information she is disputing and explanation of the basis of the disputeWe have responded to both of consumers disputes and we have never refused to provide consumer any information as consumer has alleged in this complaintVCS, Incis and has been compliant under the FDCPA and FCRA

Consumer made payments on account from 3/8/- 12/6/11.Consumer defaulted on the payment agreement she had with our client and consumers last date of delinquency was as of 12/06/As requested by consumer we sent her an Affidavit from our client validating the debt, itemized statement of
account and signed copy of Patient Registration Form acknowledging consumers financial responsibilityConsumer had been making payments to our client thus was aware of debtOur client tried to contact consumer regarding the past due accountVCS made numerous phone attempts since April and left several messages and consumer failed to return any callsA validation notice was sent to consumer on April 11, Consumer failed to respond to notice within days and notice was not returned by U.S Post OfficeThere is a presumption of law that if a letter is not returned by the USPS it is deemed as deliveredUnder the Fair Debt Collection Practices Act there is no duty to provide verification multiple times or after the 30-day validation period under 1692g has expiredConsumer is incorrect regarding her allegations about the statute of limitationsThe statute of limitations is not governed by the date on a Patient Registration Form it is governed under the Fair Credit Reporting Act, specifically Section 605(c)(1) that the date of delinquency defines the start of the reporting period and the last date of delinquency, being 12/6//The 7-year period referred to in paragraphs (4) and (6) of subsection
(a) shall begin, with respect to any delinquent account that is placed for collection (internally or by referral to a third party, whichever is earlier), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action
Consumers allegation that the original date of debt was changed is and without merit
This account has been reported to the credit reporting agencies as a disputed debtConsumer has been provided verification of debt as required under the FDCPA and VCS, Incis and has been compliant under the FCRA

I reviewed your respond from the business I filed the complaint withAll the report information was correctMy complaint was they would not return calls regarding questions that I hadThey complaint followed by your phone call gave me my responseThey called I was able to ask my questions regarding the complaint and my problem with them if satisfied
Regards,
*** ***

I have reviewed the response offer made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Please see how self contradictory the collections company's statements are:"Consumer was sent validation notice on 7/22/Consumer did not respond to our notice nor our phone messages until 12/12/Consumer stated this account was paid in full at that timeWe contacted our client on that same day and client validated the debt and said the account had not been paid and still past dueTo advise consumer of our findings we subsequently called the consumer back numerous times from 12/12/to 9/22/Consumer failed to respond to any of our communications3/2/is the first time the consumer has responded since 12/12/Consumer alleges the client told him he does not have a balance with themAs most creditors policy once an account is sent to collections they zero out the balance on their books which is standard accounting policy and he may have misunderstood what client communicated regarding the balanceUnder the Fair Credit Reporting Act this account has been reported to *** *** *** and *** *** as disputedIf consumer will provide proof of payment and individual he spoke with at client we will be glad to reinvestigate his claim."
Yes, I called the service provider (or creditor as they say) once I received the collections notice and was told my balance is zeroPer the collection company, "as most creditors policy once an account is sent to collections they zero out the balance on their books" and so the creditor told me my balance is zeroWell, if that's the case, after my account was forwarded to this collections company and I called them on 12/12/(which I do not recollect), how was the collection company able to contact their client and they validate that I had not paid and my account was still past due?Who am I supposed to believe? Am I to just pay because some collection company claims I have a debt when the service provider tells me I don't have a debtAll this medical billing is confusing enough......who am I to believe? Now the collection company says I need to provide proof of payment and name the individual I spoke to..........why don't they provide me with proof that I owe this debt in the first place, when the service provider told me I owe nothing.Regards,
*** ***

I have reviewed the response offer made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Regarding a Validation Notice, I received the first notice few weeks back from now, even that, after calling Valley Credit Services, and requesting them to share me the agreements and bills, for the amount they are claiming through my credit reportA nice lady did listened to me and mailed me those documentsIf I would have received this before, I would have reacted before. I am still requesting a signed document stating "I agree to any of the formal payment plans or any installment plans for $XXX.XX" offered by "** *** ***" or "Valley Credit Services"Patient Registration Form does not show any balance I owe/d and I use to always pay my copay share at the receptionI am a MS patient, under medications and not properly recalling this situationI would appreciate, if I can see any documents stating I have agreed to any payment plans for the total amount owed other than copay. Regarding payments which I had made, I was seeing different doctors and hospitals, and at all these places my credit card number was on fileI dont even recall of some charges and payments I had made That is the reason, I am just making a simple request, "Please provide me a document, where I acknowledge $XXX.XX amount for the medical treatment I have taken and I agree, to pay this $XXX.XX amount".
Regards,
*** ***

Consumer alleges he was unaware of a third account, however a validation notice was sent to him on 3/5/identifying this accountThis notice was not returned by the USPS and there is a presumption of law if a notice is not returned by the USPS it is deemed delivered. On 4/13/at 8:a.mconsumer called VCS and said not to call his number anymoreUnder the FDCPA we are required to cease calls to that consumerFrom that date forward VCS did not call consumer at his requestAs stated prior we provided consumer verification of the debt on 5/12/That notice was not returned by the USPS and there is a presumption a law that if a notice is not returned it is deemed delivered. After I responded to consumers complaint at approximately 8:a.mon 8/26/he went to the client and paid them the balance due on this account that he alleged in his initial complaint it was paidOur client contacted VCS at approximately 10:a.mon 8/and reported to us that the consumer came in that morning and paid this account. Apparently consumer realized he had not paid this specific account and went to the client office between 8:and 10:on 8/and paid this accountOn 9/1/this account was submitted to Experian, Equifax and Transunion to be deleted from consumers credit fileCredit reporting agencies may take up to days to update their records which is beyond our controlVCS is and has been compliant under the Fair Debt Collection Practices Act and Fair Credit Reporting ActDue to privacy laws under HIPAA and FDCPA we cannot provide the Revdex.com or attach a copy of consumers itemized statement in this responseConsumer has been provided a copy of the itemized statement and he may provide that to the Revdex.com if he so wishes

I have reviewed the response offer made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
If there is a third account I am unaware of it and it seemed to me the account# CS provided was one that showed a zero balencePerhaps if CS's would have returned my phone call and identified themselves without the unprofessional attitude and rude chuckle we may have resolved this alreadyApparently it's is of no consequence to them being they are only ruining what was an unblemished credit historyI request the person whom the bill (proof) was received in a timely and PROFESSIONAL manner so I may contact them myself.
Regards,
*** ***

Business in question understood that the billing was confusing and I had for six months tried to figure out what the bill was for. After explaining the unprofessionalism of the credit services they allowed me to pay them insteadTo be clear, maintaining a superb credit score has always been a priority and to be stereotyped then humiliated by the unprofessionalism of this company is completely unacceptableThey would do well to treat each case as individuals instead of assuming everyone is trying to default.
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Consumer had multiple accounts placed with VCSIncDue to consumers continued failure to pay our client exercised their right to proceed with legal actionJudgment was rendered 08/26/13. Between 04/10/2013 and 02/10/consumer had numerous conversations with representatives of
VCS. On each communication consumer was advised of status of account and balances dueConsumers allegation VCS refused to help or answer any questions is baseless and without meritConsumer made payment arrangements on the accounts and first payment by check was returned insufficient funds, NSF fees were applied, consumer was notified of NSF and feesTo address consumers demand for receipt of payment VCS is not required by law to provide receipt of payment nor is our policyConsumer made payments by credit card and checkCopy of canceled check or credit card statement is considered legal receipt of payment. To address consumers allegations on credit reportingVCS, Incis a data furnisher under the Fair Credit Reporting Act (FCRA) and required to accurately report consumers transactions and experiences with our clientThese accounts were first reported to consumers credit file on 05/01/as required under FCRAOn 09/03/these accounts were reported as disputed as required under FCRA. Regarding consumers allegations on new amounts on her credit reportAs a data furnisher under the FCRA we are required report balance updatesConsumers claim that our representative filed a complaint with *** is falseAs a data furnisher we cannot file a complaint on the consumers behalf and representative advised me he made no such statement to consumerAt all times consumer has been properly notified of status of accounts and balances dueAny fees or interest assessed were allowable by law. Consumers accounts are now paid in full as of 02/10/2016, withstanding any payment(s) that may be returned, if anyAs a data furnisher VCS will report these accounts paid in full as required under the FCRA VCS, Incis and has been compliant with the Fair Debt Collection Practices Act and Fair Credit Reporting ActConsumers allegations of "illegal things" is baseless and without merit

As stated previously consumer was sent a validation notice on 04/11/12 and the notice was not retuned nor did consumer respond to notice. A second notice was sent to consumer on 10/06/12 and notice was not returned nor did consumer respond to second notice. There is a presumption of law if a notice is not returned by the USPS it is deemed delivered. We cannot control the USPS nor consumer failing to provide a change of address or forwarding address to USPS, if consumer moved. In addition VCS left numerous messages for the consumer call us regarding the debt and consumer failed to return any of our call. VCS has satisfied its obligations under the FDCPA regarding notification of debt. To address consumers comments about a payment plan or agreement. Because consumer made regular monthly payments and client accepted those payments there was an "implied" agreement. Although the payment in full was due from consumer the client generously accepted and allowed the consumer to make minimum monthly payments.. The consumer acknowledged the services rendered and the debt by making those monthly payments. You will also see the client only placed the account in collections when the consumer stopped making the payments to the client. The consumer has been provided an itemization of charges and payments. copy of services rendered and a copy of the Patient Registration Form signed by consumer dated 05/10/06. In that Patient Registration Form signed by consumer it clearly states "I am financially responsible for all services rendered. I agree to pay attorney fees associated with collections, and all other costs of collections, in the event of default." The Patient Registration Form is the consumers acceptance of services and financial responsibility. As stated in prior response under the Fair Credit reporting Act the statute of limitations does not commence when a consumer signs a "registration form". Section 605(c)(1) of the FCRA specifically defines the start of the reporting period and the last date of delinquency. The 7 year period referred to in paragraphs (4) and (6) of subsection (a) shall begin, with respect to any delinquent account that is placed for collection (internally or by referral to a third party, which ever is earlier), charge to profit and lessor subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge off to profit and loss, or similar action. That being said when consumer stopped making payments as of 12/6/11 that is the last date of delinquency under the aforementioned statute therefore VCS is compliant under the FCRA. Regardless consumer received benefit of services. agreed to pay for those services, has failed to pay for those services therefore the account went into default. VCS will certainly work with the consumer in setting up acceptable payment arrangements to satisfy this debt. As a data furnisher under the FCRA and consumer has disputed this debt VCS has reported this as a disputed debt as required under the FCRA.

Tell us why here...On 4/13/16 consumer contacted VCS and claims paid our client but refused to provide the representative any details or proof of payment. We subsequently contacted our client and they verified the account had not been paid. As required under the Fair Credit...

Reporting Act, VCS reported the account to Equifax, Experian and Transunion as disputed on 5/2/16. On 5/3/16 VCS responded to consumers dispute via TransUnion as unpaid but disputed. On 5/12/16 we sent consumer a copy of the itemized statement from our clinet validating the debt. On 5/31/16 consumer left VCS a voice mail claiming he still disputes and has proof from [redacted] account is paid, yet failed to provide proof of payment. The consumer may be confused in that these charges are for [redacted] not [redacted]. The [redacted] charges are billed separately from the [redacted]. It may be that his bills at the [redacted] are paid but not the [redacted] charges. We have again checked with our client [redacted] and the account remains unpaid. In addition the itemized statement sent to consumer on 5/12/16 identified the charges and our client. If consumer believes the bill with [redacted] is paid and can provide proof of payment we will investigate. Consumers claim we have not sent updates to the credit reporting agencies is not factual and VCS is and has been compliant under the Fair Debt Collection Practices Act and Fair Credit Reporting Act.

To further investigate consumers allegations we contacted [redacted], at our client on 3/2/15. She advised us this account remains unpaid as of 3/2/15. Consumer may contact Ms. [redacted] at ###-###-#### to verify balance due. Payments made were applied to consumers deductible and this is consumers balance. We have requested an itemized statement be sent to the consumer. Under HIPAA we cannot send this itemized statement to a third party(Revdex.com). We asked the consumer to provide us a name of whom he spoke with and proof of payment as a quickest resolution to this issue. Is consumer able to provide proof of payment?

Consumer was sent validation notice on 7/22/13. Consumer did not respond to our notice nor our phone messages until 12/12/2013. Consumer stated this account was paid in full at that time. We contacted our client on that same day and client validated the debt and said the account had not been paid...

and still past due. To advise consumer of our findings we subsequently called the consumer back numerous times from 12/12/13 to 9/22/14. Consumer failed to respond to any of our communications. 3/2/15 is the first time the consumer has responded since 12/12/2013. Consumer alleges the client told him he does not have a balance with them. As most creditors policy once an account is sent to collections they zero out the balance on their books which is standard accounting policy and he may have misunderstood what client communicated regarding the balance. Under the Fair Credit Reporting Act this account has been reported to [redacted] and [redacted] as disputed. If consumer will provide proof of payment and individual he spoke with at client we will be glad to reinvestigate his claim.

Under the Fair Credit  Reporting Act, (FCRA) Valley Credit Service, Inc. (VCS)is a data furnisher.  Under the FCRA, as a data furnisher, VCS is not required nor obligated to delete a paid in full account from a consumers credit file. However, our client has authorized...

VCS to delete this account from the consumers file. VCS will submit a request [redacted], [redacted] and [redacted] today, 12/15/2015, to remove this account from consumers file. Consumer reporting agencies may take up to 30 days to update their file and is beyond our control. [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

On 11/9/2013 VCS sent consumer a validation notice and consumer failed to respond to notice within 30 days and notice was not returned by the U.S. Post Office. There is a presumption of law if the a notice is not returned it is deemed delivered. On May 20, 2014 in response to consumers first dispute...

letter VCS provided consumer the name and address of creditor, account numbers and balance due. On May 27, 2014 in response to consumers second dispute letter we again provided consumer the name, address, account numbers, dates of service and balances due. Consumer has the opportunity to contact the creditor directly. In consumers complaint she has acknowledged she knows of the creditor, our client, and "has worked with" this creditor. Consumers allegation that we have refused to provide her the creditors name and account numbers is without merit as we have provided consumer the name, address, account numbers, dates of service and balances owed to our client and consumer has acknowledged she has even worked with the creditor. We have asked the creditor to send consumer copies of the itemized statements. Under FTC regulation 16 C.F.R. 660.4(d) we have asked consumer to provide us the specific information she is disputing and explanation of the basis of the dispute. We have responded to both of consumers disputes and we have never refused to provide consumer any information as consumer has alleged in this complaint. VCS, Inc. is and has been compliant under the FDCPA and FCRA.

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I am still requesting a signed document stating "I agree to any of the formal payment plans or any installment plans for $XXX.XX" offered by "[redacted]" or "Valley Credit Services". If they are trying to collect on basis of Patient Registration Form, that was signed in 2006, does not show any balance I owe/d. I would appreciate, if I can see any recent documents other than from 2006 stating I had agreed to any payment plans for the total amount owed other than copay. "Please provide me a document, where I acknowledge $XXX.XX amount for the medical treatment I have taken and I agree, to pay this $XXX.XX amount". 1) I am requesting to see the detail treatment and their corresponding charges and any authorization/certification where I state I am responsible to pay these charges.2) If above document is available from VCS, and I have agreed to their payment plans or monthly payment plans, please provide me that. I can see above two and discuss with Original Creditor and can come to conclusion.Other than that I am only see a signed form (Patient Registration Form) which is dated 05/10/2006. Based on this I consider this debt is too old to get reported on my credit file. VCS states I owe debt, but I am not getting the above documents or any agreement I made recently to accept charges from 2006. I am also contacting Local Governing bodies and attorney, to seek their advice and help in this.Below is what I was able to find from Virginia Legislative Information System:https://leg1.state.va.us/lis.htmG. Effect of new promise in writing1. If any person against whom a right of action has accrued on any contract, other than a judgment or recognizance, promises, by writing signed by him or his agent, payment of money on such contract, the person to whom the right has accrued may maintain an action for the money so promised, within such number of years after such promise as it might be maintained if such promise were the original cause of action. An acknowledgment in writing, from which a promise of payment may be implied, shall be deemed to be such promise within the meaning of this subsection.2. The plaintiff may sue on the new promise described in subdivision 1 of this subsection or on the original cause of action, except that when the new promise is of such a nature as to merge the original cause of action then the action shall be only on the new promise.If VCS is able to provide new promise date signed by me other than the one from 2006, I would be happy to review that and talk to Original Creditor/VCS and get this rectified. If not they have to stop reporting on my Credit File.
Regards,
[redacted]

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Most of their comments are baised on the beginning 2013 proceedings. Which I was unaware of but am not disputing.  I have recordings of 2 different poeple giving me 3 different reasons for a 39.** amount. First was a remander amount of 241. When I called in 2015/2016 tobpay amount in full. My charge was for 280 including fees and interest on the full 241 amount. My questions I wanted answered on this has yet to even be addressed and is where my dispute is. The other reason for this 39 amount was said to be a bounced check (which I am neither confirming nor denying because it was not my check.) Also the third reason for this amount was a separate 39 dollar bill in itself. I have these recorded and 2 separate companies of which my medical debt was through who were told 2 of these reasons on the wxact same day. I have requested reciepts in regards to what my payments have went to in detail so I can either agree with them or shiw a mistake was made. However, I am refused help. When asked not to be transferred and to speak with a manager I am denied. When asked to leave voicemail I was told mabager does not have one. When asked to handwrite a message for manager they refused to. All of this is recorded and I can prove it so there is merit. I was told yesterday that the manager was out then received call from [redacted] who was helping me and said she just talked with her. My issue is the lack of answering questions, a lack of giving me rightful procedures to follow to complain on one in offuce person in paticular who transfered me twice when I ask to please not to. How can I deny nor agree to this debt when they refuse to address any of it? My first concerns popped up when new amounts arose. Im not saying they havent been there the whole time. Im saying they were not in the amount when I myself first tracked vcs down inb2015 to start paying my debt off. I asked to pay 2 lowest amounts first. That 39 was not mentioned.  Later it shows up.I call just asking for more details and that is when I was transferred out of office, not guven proof of payments to certain accounts, and the run around in regards to any manafer of any kind. They made a issue when they have failed to give me proof of all this new stuff. So yes I wanted more details befire paying off. I am not satisfied with there answer. Especially with the no merit comment when I do have recorded, written, and person wittness (from who they deal with personally not me.) 
Regards,
[redacted]

Consumer has more than one unpaid account with our agency from 2011 and does not reference which account is in question. As consumer has acknowledged in his complaint he received a notification from our client regarding the past due amount. Consumer has also acknowledged he received a collection...

notice from our client. Our client had no further obligation to send consumer notices as he failed to respond and failed to pay the past due amount although was aware of debt. Regarding the accounts placed with VCS, the  consumer was sent notices on 1/6,/11, 7/6/11, 7/20/11, 9/15/11, 9/27/11, 12/6/11,  2/20/12 and 9/12 to the address provide by consumer in this complaint.  None of these notices were returned by the USPS. Since January 2011 VCS has left 6 messages on his voice mail with no response. On 8/9/12 when consumer did answer phone he hung up on the representative. Consumer had VCS's address and phone number since January 2011 in which to contact us. Consumer alleges he was unaware of his obligation to pay although he acknowledges he received notices from our client about the past due debt and notice from VCS. VCS has been compliant under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. As a data furnisher under the Fair Credit Reporting Act VCS is required to accurately report consumers transactions and experiences with our client and VCS has been compliant with it's reporting under the FCRA.