Central Financial Control

I been making the agreed payments with Central financial control for few years for ankle surgery. I called in for June 2017, as I didn't receive stub for payment. I tried to make a payment over the phone however they indicated they cannot take my payment as it was transferred over to link revenue resource. Never have had a bad experience, just sometimes wouldn't receive statements or several date typos on statement. Still waiting on why It was transferred, as currently received no notification from either sides.

Review: My name is [redacted] and I received 3 calls regarding bills from [redacted] located in [redacted]. I paid all 3 accounts via telephone to Central Financial Control although I never recieved a billiing statement from the hospital nor the collection agency, and when I requested Debt Verification from Central Financial Control it was never received as requested. Please note that I paid all 3 accounts and here are the account numbers to reference the paid collection accounts listed on my Experian Credit Report:

Central Financial Control Account # [redacted]

Central Financial Control Account # [redacted]

Central Financial Control Account # [redacted]

I am now writing to formally request that these three (3) paid accounts be removed from my Experian credit report by Central Financial Control. As of the date of this e-mail, all 3 paid collection accounts are reporting as "Paid and Closed"; however, I never received any bill or debt verification when requested although I paid the debt via telephone. Therefore, these 3 small debts (all less than $100 each as they were medical copayments etc.) would have been paid and never reported as deliquent to Experian.

I would appreciate you looking into this for me as the only resolution I am looking for is to have the 3 paid collection accounts from Central Financial Control removed from my Experian Credit Report.

I look forward to hearing from you.Desired Settlement: REMOVAL OF 3 PAID ACCOUNTS FROM MY EXPERIAN CREDIT REPORT SINCE I RECEIVED NO BILL NOR A STATEMENT FROM THE HOSPITAL PRIOR TO THE DEBT BEING REPORTED TO EXPERIAN.

Business

Response:

September 23, 2015

Review: They lost my payment that I made nine months ago and are trying to charge me again for the amount they didn't receive. You can not talk to a supervisor. They want you to fax your proof to a fax number. They really were of no help at all during this issue.Desired Settlement: I would like them to take the payment that I "owe" off their records. I paid in full already and do not need to pay again.

Business

Response:

October 16, 2014

[redacted].

[redacted], NC [redacted]-6311

Re: CFC Account No: [redacted]

Facility: Frye Regional Medical Center

Dear Mr. [redacted]:

This letter is being sent to you in response to Revdex.com Compl aint # I 026 136 1. The

above mentioned account results from services rendered by our client, Frye Regional Medical

Center. In your complaint you state that you paid the account in ful l. Unfortunately our records

do not refl ect this in formation. In order for us to investi gate we are requesti ng proof of payment.

If paid via check, please provide a copy of the front and back of the cancelled check. If paid via

credit card, please provide a copy of the credit card statement reflecting payment.

Without the information requested above, our office is unable to resolve this matter. Upon

receipt of the above reference information, our office will complete our investigation and notify

you of the resolution.

Please note this acco unt has not been reported to the credit reporting agencies; however without

a formal payment arrangement or receipt of your proof of payment, collection activity wi ll

continue which may include reporting the account to the credit reporting agencies.

Please contact 800-300-7192 to make payment arrangements.

Sincerely,

Supervisor, Inquiry Resolution Services

Review: In August of 2013 I paid off my accounts in full. CFC advised me that they would remove and update my accounts from the credit bureaus.

In August of 2013 I paid off my accounts in full. CFC advised me that they would remove and update my accounts from the credit bureaus. The account numbers are [redacted], and [redacted]0. All these accounts were paid in full and CFC advised that they would delete and update account information in the credit bureaus. The credit bureaus still show that these accounts have not been paid. I contacted someone from CFC on 10/18/2013 in regards to this and they said they no longer have information on these accounts since they have been paid.Desired Settlement: Please update and delete information on my account in all the credit bureaus.According to your agreement.

Business

Response:

Thank you for bringing Mr. [redacted]'s concerns to our attention. Due to the

concerns expressed, our office has thoroughly investigated the matter. Please be advised this is the first

dispute our office has received from Mr. [redacted].

Our office responded to Mr. [redacted]s dispute on November 27, 2013. The balances in question

result from services rendered to Mr. [redacted]'s minor child, Brenna [redacted], by our client. The

Conditions of Services (COS), available at each time of service, outlines Mr. [redacted]'s financial

responsibility for any charges incurred for services rendered by our client. Specifically, the COS

gives the facility permission to transfer the accounts to Central Financial Control.

The accounts in question are paid in full. Our office does not accept payments for deletion of

items listed on the credit bureaus. If any further information is needed, please have

Mr. [redacted] contact our office at ###-###-####.

Review: I had a medical bill that was sent to Central Financial. I was offered a settlement and paid it.

The payment was not reported to the credit bureau and when I did a direct dispute they still said the debt was open and outstanding. also my agreement was that it would show paid in full on my credit report and on one report it was not reported at all and on the other it's that it was paid but not for the full amount.Desired Settlement: Please update my credit report to show this was paid. And show that it was paid in full as agreed.

Business

Response:

The business responded to this complaint but asked that its response not be published.

Review: Central Financial Control has added a charge of $1573 to my credit report. I believe that this may be from a past hospital visit in which not only did my insurance pay for, but I paid the remainder balance for the doctors, hospital, medical supplies, etc. Other creditors have attempted to collect this amount in which each time is placed on my credit report then quickly removed after calling. Central Financial Control needs to remove this from my credit report immediately. I have no outstanding debt and am frustrated with creditors falsely adding charges to my credit report. I called and was not provided with evidence of charge. I need this to be removed immediately or legal actions will follow.

Thank you.Desired Settlement: Remove charge from credit report

Business

Response:

[redacted]Revdex.com, Inc.Attn.: [redacted]Re: [redacted]Complaint

ID: [redacted]Dear [redacted]:Thank

you for bringing Ms. [redacted]’s complaint to our attention. In response to

[redacted] concerns outlined in her complaint our office has thoroughly

reviewed her account. Please find the attached response to her complaint. If

any further information is needed, please contact our office at [redacted].Sincerely,[redacted] Inquiry Resolution Specialist [redacted]CFC Account No: [redacted]Patient: [redacted] Facility: [redacted] Dates of Service: May

17-18, 2014Dear [redacted]:Our

office is in receipt of your complaint you sent to the Revdex.com. The above mentioned account results from services

rendered by our clients, J[redacted], to your minor child, [redacted]. At the time of service, a copy of

the Conditions of Service (COS) was available; this is the contract that

outlines your financial responsibility. Also, the COS specifically states our

client has been given permission to transfer your account to a collection

agency. Your insurance carrier, [redacted],

originally processed the claim and assigned $1,682.00 as your responsibility.

However, missing late charges have been added to your account. Therefore, our

office has submitted a corrected claim to **. Your payment of $108.75 from your

Health Spending Account has been applied to your account. Please note our

records do not indicate additional patient payments have been received. All collection activity has been suspended until a response

is received from **. Once our office receives their response, we will contact

you advising of their determination in regards to your financial

responsibility. We are in the process of retracting/deleting our

collection entry from your credit profile. We ask that you allow

[redacted] and [redacted] respectively 30 to 60 days to process our request from the date of

this letter. If the status of your credit profile does not reflect this change

on any other credit bureau report, please provide that particular credit reporting agency with a

copy of this letter so they may update this change accordingly.Sincerely,[redacted]Inquiry Resolution Specialist

Review: I visited the ER and requested that a bill be sent to my address. I never received a bill, but several months later I received a collection notice.

The date this collection account was opened was 08/2009. I had been told by [redacted] Medical Center that they would send me a bill in the mail. The amount was never an issue, but they never sent a bill. Instead, I received a collection notice from Central Finance Control and a negative mark on my credit report. They claim that [redacted] Medical Center sent me a bill, but none was ever received. I don't see how they can even claim such a thing, considering they have no proof that a bill was delivered to my address other than perhaps their own records, which could easily be altered or incorrect due to filing issues. I was never contacted by phone or any other method, even though they had that information on file. I've always been very responsible with my money, and this negative mark on my report is completely unfair. I've tried resolving the issue with the company, but as I'm only a lone consumer, I feel as though I'm being bullied by a corporate giant. I've never needed university loans because I attended on a full academic scholarship. I've never needed a credit card because I've always been responsible and bought only what was within my means. Therefore, this frustrating fight with Central Finance Control is the only thing that shows up on my report.Desired Settlement: Since this negative mark on my credit is unjustified, I request that it be removed. I've already paid the amount in full.

Business

Response:

September 23, 2014

[redacted] R [redacted]

[redacted] Road

[redacted] City, NC [redacted]

Patient Name: [redacted] R [redacted]

CFC Number: [redacted]

Facility Name: [redacted] Medical Center

Date of Service: March 9, 2009

Dear Mr. [redacted]

Our office is in receipt of your letter requesting removal of a negative entry from a credit profile.

The aforementioned account results from services rendered by our client, [redacted] Medical Center. The conditions of Services (COS) is the contract that outlines your financial responsibility for any charges incurred resulting from medical services rendered by our client. Please be advised , the COS also grants the facility permission to transfer the account to a collection agency. A copy of the COS was available to you upon admission to the facility. A copy is enclosed for your review.

Per your insurance carrier Blue Cross Blue Shield, $145.48 was determined to be your patient responsibility. If you should have any questions regarding your benefits, please contact the carrier directly. A patient payment of $20.00 was received and applied to your account on March 10, 2009. The outstanding balance is $125.48 and remains due and owing.

Please note, there is no record of any additional payment being received by our office of the facility. Please provide proof of payment for the payment you issued, as stated in your letter, so that we may research the payment more thoroughly.

Please be advised, under this office's obligations to and with the Credit Reporting Agencies (CRAs), we are contractually obligated to report delinquent accounts. Both our client and this office made several attempts to contact you at the address provided at the time of service [redacted] Road, [redacted] City, NC [redacted]. Specifically, on April 27, 2009 and June **, 2009, our client mailed a letter to the address you provided at the time of service advising you of the past due amount. On August 26, 2009, our office mailed a letter to the address provided at the time of service advising your account was placed in collections and remained unpaid. On September 23, 2009, a credit warning Letter was mailed to you advising that if the account was not paid within thirty days it would be reported to the CRAs as unpaid. As neither a response nor contact as received from you, on October 28, 2009, this office reported the account in question to the CRA's as unpaid.

Since you were duly notified of this debt prior to reporting, a deletion is not warranted. Per our contract with the CRA's, we do not accept payment for deletion of items on a credit report. Upon receit of payment in full, we will advise the CRA's to update your credit profile accordingly.

The account in question has been validated. Please call (800)300-7192 to discuss payment options.

Sincerely,

[redacted]ny [redacted]

Inquiry Resolution Specialist

Consumer

Response:

I have reviewed the response 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.

As stated in my original complaint, I never received a bill, only a collection notice. The amount was never an issue; only the fact that I never had a fair chance to pay this bill. Central Finance Control has no proof they or their client sent me a bill because they never did. If they do, then please ask them to provide evidence of a delivery confirmation. It's not fair that my credit be negatively affected due to their lack of organization. I've showed them good faith by paying off the bill in full when I could have just waited a few years for the account to be automatically removed. I've attached a link that details a similar situation another consumer of their client is currently facing: http://consumerist.com/2006/06/28/piedmont-hospital-sucks/

Review: Insured at the time. Never received notification for out of pocket expenses.

Reference Account# [redacted] Date of Service: 10/31/2011

ER (Palmetto General Hospital) visit on date listed above. Was informed by insurance company that there were no out of pocket expenses because my deductible was met. Never received correspondance from the hospital or the collection agency (Central Financial Control 800-300-7192). The collection agency stated they sent 11 letters to my home address, which is COMPLETELY FALSE! I have not received any phone calls as well.

If I had knowledge of the out of pocket expense, I would have made payment arrangements to clear the debt. I have been disputing this with the CRA (Equifax, Transunion, and Experian) for over a year (since 2013).

This ordeal has negatively impacted my entire life (denial of credit)Desired Settlement: Since I was unaware of this bill, secondary to lack of notification, DESPITE WHAT THEY STATE, I would like a chance to rectify the payment for deletion from ALL 3 CRA (EQUIFAX, TRANSUNION, EXPERIAN).

Business

Response:

December 3, 20 14[redacted] Street[redacted], FL [redacted]CFC Account: [redacted]Patient: [redacted]Facility: Palmetto General HospitalDates of Service: October 31, 2011- November 1, 2011Dear Ms. [redacted]:This letter is being sent to you in response to Complaint [redacted] filed with the Revdex.com. Theabove mentioned account results from services rendered by our client, Pa lmetto General Hospital. Attached are theConditions of Services provided to you at the time of service, outlining your financial responsi bilities for servicesrendered by our client.Your insurance carrier, BlueCross BlueShield, processed the claim and assigned $4,023.93 as your memberresponsibility ($ 171.46 as your co-insurance respons ibility, $76 1.13 as your deductible responsibility and $3,09 1.34as your responsibil ity for non-covered charges). Please note the non-covered charges are a result of the chargesincurred on November I, 20 II , as your insurance carrier advised your coverage termed October 31, 20 II. lf youhave questions regarding the amount assigned by your insurance carrier, please contact their office directly.The outstanding balance on this account is $4,023.93, which remains due and owing.Please be advised, under this office's obligations to and with the credit reporting agencies (CRAs) we arecontractually obligated to report del inquent accounts. Both our client and this office made several attempts tocontact you at the address provided at the time of service: [redacted] 51 Street, [redacted], FL [redacted]. Specifically,on November 16, 20 I I, December I, 20 I I, December 28, 20 II , January 18, 2012, February 8, 2012 and February28,2012 our client mailed letters, advising you of the past due amount. Also, on April2, 2012 our office mailed aletter to the previously referenced address, advising your account was placed in collections and remained unpaid.On April 30, 2012 a second letter was sent to you advising you of the outstanding balance. On June 4, 2012 a creditwarning letter was mailed to you advising that if the account was not paid within thirty days it would be reported tothe CRAs as unpaid. As the account remained unresolved, on July I I, 2012, th is office reported the account inquestion to the CRAs as unpaid. Each attempt to resolve the matter prior to reporting the account to the CRAs wasunsuccessful; therefore a deletion is not warranted. The address listed on your complaint is the same address each ofthe notices was sent to prior to reporting this account on your credit profile.Please contact 800-300-7 192 to discuss payment arrangements.Sincerely,[redacted]Supervisor Inquiry Resolution Services

Review: I have been trying to get get a collections account off of my report for almost 2 years. I had to send in my 3rd dispute today, because they refuse to discuss the account with me. They claim my name is not on the collection's account so they cannot discuss anything with me. I call the credit reporting agency and they said it IS in my name. Central Financial Control has refused each of my disputes, but then tells me they can't discuss anything regarding the account, so which is it? Not to mention the call wait for an actual person.Desired Settlement: I want this collections account taken off of my credit report. It is for $1098, which is negatively impacting me being able to take out loans. I have sent in written proof that the account is not my responsibility.

Business

Response:

The business responded to this complaint but asked that its response not be published.

Consumer

Response:

I have reviewed the response 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.

There has been no attempt to resolve the issue, other than requesting it not go public.

Regards,

Business

Response:

The business responded to this complaint but asked that its response not be published.

Review: On July 7, 2015 Syndicated Office Systems or Central Financial Control received my certified letter requesting validation of account they are attempting to collect (194889[redacted]). I never received a response. Under Texas Finance Code 392.202 a debt collector has thirty (30) calendar days to respond to a debt validation request. If a debt collector has failed to respond to a debt validation request, then they have essentially admitted, per Texas Finance Code 392.202(b)(2), that the debt in question is inaccurate. As of August 17, 2015 they are still reporting a collection account on my credit reports. Also, under federal law I could sue them and ask or thousands in damages, since credit bureau reporting is considered a collection activity. However, I am confident that by channeling this dispute through the Revdex.com, a more simple resolution can be made. If they delete the account, cease reporting it to the credit bureaus, and provide written confirmation of the same, I will consider this matter resolved.Desired Settlement: If they delete the account, cease reporting to the credit bureaus, I will consider this matter resolved.

Business

Response:

Hello,

Attached is the response to Revdex.com case #[redacted].

Thank you

Review: This company has moved to Dallas, Texas and still does not try to resolve complaints or correct bill mistakes.

I was admitted to a hospital following an office visit, but my 3-day hospital bill was charged as out patient.Desired Settlement: Re-submit bill as in-patient.

Business

Response:

Please see the attached leter sent to Mr. [redacted] on April 28, 2014 addressing his concerns.

Patient Name:[redacted]

CFC Number:[redacted]

Facility: [redacted]

Dates of Service: November 20-22, 2012

Dear Mr. [redacted]:

This letter is being sent to you in response to the complaint you filed with the Revdex.com,

Complaint ID #[redacted] . Due to the concerns outlined in your letter, our office has thoroughly reviewed

your account. Our client, Hahnemann University Hospi tal, has completed a review for services rendered,

and as a result, determined the account is coded correctly based on your physician's orders. We are

unable to change diagnosis cod ing without written consent from the ordering physician. If you would like

to obtain a copy of your medical records, please contact the hospital directly.

Your insurance carriers, Medicare and BlueCross BlueShield, processed the claim and assigned $518.68

as your responsibility for non-covered self administered drug (SAD) charges. If you feel there is a

discrepancy in the amount assigned by your insurance carrier, please contact them directly. Attached is a

copy of the Conditions of Services given to you at the time of service, which outlines your financial

responsibility. You were given a SADs discount reducing your balance from $518.68 to $119.29. The

outstanding balance on this account is $ 11 9.29 and remains due and owing.

Without a formal payment arrangement collection activity will continue, which may include reporting the

delinquent account on your credit profil e. Please contact 800-345-4261 to discuss payment arrangements.

Enclosed for your review is a copy of your itemized statement with the SAD charges highlighted.

Sincerely,

Supervisor, Inquiry Resolution Service

Enclosure: Itemized Statement

Review: I have attempted to verify/validate a debt with CENTRAL FINCL CONTROL via email and certified mail as well. They have not responded.

I have contacted CENTRAL FINCL CONTROL twice (via email and certified mail a alleged debt in the amount of 575 from [redacted]. I have asked twice for verification of the debt to show:

1. this debt is indeed mine

2. Ownership of alleged debt

3. An assignment agreement of alleged debt.Desired Settlement: I demand that CENTRAL FINCL CONTROL remove derogatory mark from my credit report as they are in violation of FDCPA rules and regulations or this will be escalated to the CFPB

Business

Response:

Revdex.com,

Thank you for bringing Ms. [redacted] complaint to our attention. Attached is a copy of the response sent to Ms. [redacted], which serves as a response to her complaint filed with the Revdex.com. Since this relates to medical services, we ask that the enclosed response not be posted to your website.

If you have any questions, please feel free to contact our office at 1 (888) 233-7880.

Thank you,

Consumer

Response:

I have reviewed the response 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 rejecting the company's response due to the following reasons:Per

FDCPA this account has to be verified within the 30 day window requested by the

consumer. This account has not been validated at all which is a violation of 15

USC 1692g Sec. 809 (b)Per my dispute letter,

All statements,

rebuttals, and responses to this validation request must be made in writing and

verified in the presence of an authorized officer or notary public, signed and

sworn to under penalty of perjury including the name, title, office, and

telephone number of any official from [redacted] LLC, which shall serve to insure high standards of

honesty, impartiality, character, and conduct as in accordance with Title 5 CFR

Part 735. This has not been satisfied.

Regards,

Business

Response:

Revdex.com,

Thank you for bringing Ms. [redacted] complaint to our attention. Attached is a copy of the response sent to Ms. [redacted] which serves as a response to her complaint filed with the Revdex.com. Since this relates to medical services, we ask that the enclosed response not be posted to your website.

Thank you

Review: This company has terrible billing practices that make it impossible for the consumer to understand their statements. I have been paying and making payment plans and payments get applied towards different invoices. If there's a credit they apply it to whatever invoice they choose. When I made a payment to pay off an invoice, for example, $50, they divide the $50 between whatever outstanding invoices they have, so you don't really know how much you are paying towards an invoice.

When you call them on the phone, they say they can only see one invoice at a time. They can't look up under your name or Social Security number.

They don't have statements that show the amount you pay. It only shows the reduction of the amount. It just very very confusing and could lead to consumers over paying. It's extremely frustrating.Desired Settlement: I was told over the phone that it appeared I had overpaid and an audit would be performed on my accounts. I have yet to hear the outcome of that audit.

I called them today 2/27/15 and they don't have an answer regarding the audit. What wasn't sent to the department yet. I have also been sent to collections and I don't know if it was their mistake because I am always making payments.

Business

Response:

Revdex.com, Inc.

Well I called this CENTRL FINCL Seeing why they put something on my credit and spending 1 hour on the phone when they try to find my account and they couldn't find it. I dont know what kind of business you guys are running but if this is not fix on my credit I will write and write bad reviews.

Review: Account Number #[redacted] - Acct balance $1,188- I contacted the collection agency on December 22 to make arraignments to settle on the account ; we agreed to pay $712.80 as a settlement amount and the account will be removed from my credit report. I called back on dec 24 and paid the agreed amount. Per the rep, it will removed from the credit report. I requested a letter from the collection agency to confirm the debt was settle. I called back again on Dec 29, to confirm the payment cleared my balance and the account was zero. I requested for a letter to verify. The was would be sent that day. I confirm this information was submitted to the credit bureau . January 9, I pulled my credit report. Its show I have a account in collections for $475.00 -see attachment. This information was never told to me. It has caused a decline in my credit report. I am asking for the correct information sent. I was told by Jennifer today, I did not pay off my debt- I MADE A PAYMENT. The rep was rude and basically blame me because the account was being disputed the reason I didn't received my letter. WOW.Desired Settlement: I want the letter to show; this was settle and the debt is zero. I want this removed from my credit report. I want to correct information report and remove from credit report

Business

Response:

January 22, 2015Revdex.comAttn: [redacted]4747 Viewridge Ave. Suite 200San Diego, CA 92123CFC Number: [redacted]Responsible Party: [redacted]Case# [redacted]Dear Ms. [redacted]:Thank you for bringing Ms. [redacted]'s concerns to our attention. Due to the concerns expressed, our client, AtlantaMedical Center, has thoroughly investigated the matter. The balance in question results from services rendered toMs. [redacted] on May 25, 2013. At the time of service, Ms. [redacted] signed the Conditions of Services (COS), which outlined her financial responsibility for any charges incurred for services rendered by our client. Specifically, theCOS gives the facility permission to transfer the account to a collection agency. Ms. [redacted]'s account wastransferred to Central Financial Control on October 22, 2013.Additionally our office is in receipt of Ms. [redacted] dispute filed with the credit reporting agencies. According toMs. [redacted] dispute, the account in question is fraudulent. Based on our review, we have determined that theaccount in question does belong to Ms. [redacted] and is neither fraudulent nor due to identity theft. Our office has verified that Ms. [redacted]'s account records do exist and are indeed valid and correct. If Ms. [redacted]would like copies of her records, she can contact Atlanta Medical Center directly with her request. Per Ms. [redacted]'s insurance carrier, United Healthcare, $1,1800.00 was determined to be the patient responsibility. Ms. [redacted]'s settlement payment of $712.80 was received and applied to the account December 31, 2014.Since Ms. [redacted] was duly notified of the outstanding debt prior to it being reported, a deletion is not warranted.Per our contract with the CRAs, this office does not accept payments for deletion of items on a credit report. Our records accurately reflect a settled status. Sincerely,[redacted]Inquiry Resolution Specialist

Consumer

Response:

I have reviewed the response 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.

My credit report does not reflect , the true status. I have a letter stating the balance is paid in full. It does not state I owe $475.00

Regards,

[redacted]

Business

Response:

As previously advised our records indicate the account is properly reflecting settled with the credit reporting agencies. If Ms. [redacted] has any further questions she may contact the credit reporting agencies directly as our office is accurately reporting the account.

Consumer

Response:

I have reviewed the response 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.

Regards,

[redacted]

Consumer

Response:

I have reviewed the response 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

The account is showing on my Equifax report as a collection acct, I have paid the acct in full

Regards,

[redacted]

Review: this company is reporting accounts on my credit reports with the 4 credit reporting Agencies, that are in violation of the Statute of Limitations of Debt collection in Texas (Pursuant to Tex. Civ. Prac. & Rem. Code § 16.004. FOUR-YEAR LIMITATIONS PERIOD), Violation of HIPAA LAW (Under The Administrative Simplification standards adopted by Health and Human Services (HHS) under the Health Insurance Portability and Accountability Act of 1996 (HIPAA) apply to any entity that is

•a health care provider that conducts certain transactions in electronic form (called here a "covered health care provider").

•a health care clearinghouse.

•a health plan

•In addition, Business Associates of Covered Entities must follow parts of the HIPAA regulations.

Often, contractors, subcontractors, and other outside persons and companies that are not employees of a covered entity will need to have access to your health information when providing services to the covered entity. We call these entities “Business Associates.” Examples of business associates include:

?Companies that help your doctors get paid for providing health care, including billing companies and companies that process your health care claims.

?Companies that help administer health plans.

?People like outside lawyers, accountants, and IT specialists.

?Companies that store or destroy medical records.

Covered Entities must have contracts in place with their Business Associates, ensuring that they use and disclose your health information properly and safeguard it appropriately. Business Associates must also have similar contracts with subcontractors. Business Associates (including subcontractors) must follow the use and disclosure provisions of their contracts and the Privacy Rule, and the safeguard requirements of the Security Rule (PLEASE PROVIDE A COPY OF YOUR AGREEMENT IF YOU ARE CLAIM TO BE ONE OF THESE), violation of FCRA, As required under the FCRA Section (a)(7)(G)(i) )) as the information furnisher, you are requiredDesired Settlement: Removal of these accounts from my credit reports and a letter confirming the deletion

Business

Response:

May 1, 2014

[redacted]

[redacted] C[redacted] Creek Pkwy #[redacted]

[redacted], TX [redacted]

Patient Name: [redacted]

Account Numbers: [redacted] and [redacted]

Facility: [redacted] Northwest Medical Center

Dates of Service: [redacted] 12, [redacted], [redacted] 14, [redacted], and [redacted] 27, [redacted]

Dear Ms. [redacted]- [redacted]:

Our office has received duplicate disputes from you concerning the above listed obligations.

Previously you were provided with a written response to your disputes on [redacted] 7, 2014.

Enclosed is a copy for your files.

In reference to the statements in your letters regarding the Healthcare Insurance Portability and

Accountability Act (HIPAA), kindly take note of the following:

Our client's actions with regard to activity on the above referenced accounts are in comnliance

with HIPAA. Such actions are expressly permitted under HIPAA regulations. In particular.

pursuant to HIPAA regulations, personal health information (PHI) may be used, without the

patient's authorization, to obtain payment of an obligation for medical services [ 45 CFR 164.501

and 164.506], up to and including reporting to Credit Reporting Agencies (CRAs).

Under the HIPAA regulations, this office is allowed to disclose protected health information for

treatment, payment, and health care operations activities (TPO). Central Financial Control's

contact via reporting the outstanding accounts with the CRAs falls within the realm of the TPO

exception, specifically, under the definition of "payments" under the HIPAA regulations. falling

under the rules' expressly numerated example of"billing and collection activities.''

Please note the statute of lin1itations for civil actions is four years. The Fair Credit Reporting Act

allows this office to report the delinquency for a period greater than the statute of limitations.

Therefore, under this office's obligations to and with the credit reporting agencies, we are

obligated to report delinquent accounts.

If you have any other disputes or now have additional information relating to the prior disputc(s),

please communicate that new dispute or additional information to this office.

While our office seriously considers any dispute and responds accordingly, it will not incur

otherwise unnecessary cost and expenses in responding to repetitive duplicate disputes. If you

choose to merely continue to resend a duplicate of a prior dispute, we will note that in your

account but will not respond to you. since you will have already received the appropriate

response.

As you have requested, this office will cease all written and telephonic communication with you

regarding your accounts with our client. The accounts now resides in our cease and desist unit.

Sincerely,

Inquiry Resolution Specialist

Review: This has been a completely unethical issue from the beginning. I am a medically retired veteran of the U.S. Army with worldwide status of 100% coverage. Which means that the VA covers my medical when I am traveling away from my home VA. When the VA eventually covered this bill, and zeroed out this balance this company still came after me hurting my credit for the last several years. I have been promised over and over that this was taken care of. As of today 9/8/2014, this is how this company is still reporting the bad credit on my credit report: $131

Total Open Collections Balances

Updated Sep 8, 2014

Collections Details Provided by

Collections accounts can often have a negative effect on your credit score. We’ve created this debt collections center to help you find important information about your collectors, track your payment progress and work to ultimately resolve these potentially harmful debts. View frequently asked questions about accounts in collections.

Reported Collections

Balance

Agency Status Date Opened Original Creditor Current Balance

CENTRAL FINCL CONTROL OPEN Feb 09, 2010 MED1 02 DESERT REGIONAL MEDICAL CENT $0

Account Details

10/12/2011 Report Date

$137 Original BalanceDesired Settlement: I would like this immediately REMOVED and an apology letter sent.

Business

Response:

Please see attached letter sent to Ms. [redacted] advising we have requested the deletion of Account #[redacted].

Consumer

Response:

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,

Review: Central Financial Control placed items on my credit report without ever notifying me that a bill was even due. After some research we found that the charges were for hospital co-pays that my daughter had not paid. CFC did not have our current address until my wife had notified them when we called. They never sent us anything in writing since our conversation even though [redacted] said she would mail out an invoice. I have been given 2 different mailing addresses and 2 different fax numbers to send in a dispute. Anytime you ask for a supervisor you are either sent back to the main number or you get a recording that the number is no longer in service. This company has made it impossible to dispute the charges. Since finding this out, the outstanding bills have been paid in full, yet they are still showing up on my credit report. I want these negative charges off of my credit report immediately as CFC never had a legal right to put them there in the first place since they never notified me of any outstanding bills. Amazingly, the only way they will take it off is to send them a dispute letter to fax number that is no longer in service. Can you please help get this rectified?Desired Settlement: I want all records of collection debt (one for $100 and one for $75) removed from all of the credit bureau agencies immediately. Central Financial Control had no legal right to place any sort of collection on my credit as they never notified me of an outstanding debt.

Business

Response:

Our office is in receipt of your dispute letter requesting the removal of the negative entries from Mr. [redacted]'s credit profile. Our office has thoroughly reviewed the accounts and we have determined that Mr. [redacted] is not the responsible party for the charges related to these accounts nor is he the individual who received medical services.

Review: [redacted]Account seriously past due d $700.00 02/25/2013 06/2010this account does not belong to be this company linked this account to my social security number and reported to my credit report,I have written letter's to this company to remove this from my credit report,now am in the process of hiring a lawyer and filing suites I demand that this account be removed from my credit report this account was open with a social security number that has nothing too do with my own.. and this recovery company non-legal linked my info to this debtDesired Settlement: I demand that this account be removed from all 3 of my credit reports,

Business

Response:

Thank you for bringing Mr. [redacted]'s dispute to our attention. Please note a detailed letter was sent to Mr. [redacted] on December 18, 2013 validating the debt. If Mr. [redacted] still believes the account does not belong to him, please have him provide our office with a copy of his personal identification (i.e. Driver’s License/Identification Card and Social Security Card), so we can verify his identity and investigate his concerns thoroughly.

If you have any questions, please contact us at ###-###-####

Thank you.

Consumer

Response:

I have reviewed the response 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.

Regards,

I will wait for this letter to get here and see what this account is for and what as I never recalled ever opening this..thanks

Review: I went on and looked at my credit report an notice there was a collections on my account. It was for $99 which is a marginal amount but I know it still will effect my credit even though I have never had a collections account. I called Central financial an spoke to a woman about it. She said do to the balance being so marginal we can do away an get rid of this reporting with a pay for delete I agree. To my surprise this collection was never deleted. I call back in to ask why is this still being reported I could not get a solid answer the only thing I received was the account is paid when ever it comes of s up to us. I asked to speak to a supervisor an see why is this still being reported when it should've been removed. The agent said don't worry about talking to the manager Ill look into for an let you know what I can do. I still have yet to get a solid answer to why I was offered something an it never came to fruition.Desired Settlement: I want the collecid.tion removed. That was what I was told when I pa

Business

Response:

Enclosed is response to Revdex.com Case #[redacted].

Thank you,

Consumer

Response:

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. With the indicated removal from my credit report.

Regards,