Central Financial Control

Review: I had my son in the hospital about a year ago. I have insurance, but a portion was not paid. Once I received the bill, I began making payment direct to the hospital, but the account was still turned over to collections, Central Financial Control. I still made the payments, but when I contact them to do so, they made it extermly difficult. Twenty five dollars a amonth is about what I could do, ( please understand there are other bills from this time period that I was also trying to pay the same way through other people ) they basically told me I had to validate why I could not do more by asking very persoanl questions, and being very demading. Once I told them I am not giving out this information, they told me this will be reported on my credit report. I just tried the other day to make a payment by phone, the very rude person on the other end, [redacted] G. ( he would not give me his last name ) said if I don;t make arrangements, this will be reported on my credit. I at that point asked him if he was going to take my payment of 25.00, he said I can do whatever I want, " mail it". I am not trying to avoid this bill, but I do not feel like I should be treated this way. I have good credit and pay my bills.Desired Settlement: I want to contuine making payments until paid in full without credit reporting and without dealing with them. The bill is 724.53.

Business

Response:

Thank you for bringing Ms. [redacted] complaint to our attention. Due to the concerns expressed our office has thoroughly reviewed the above listed account.

Review: I have a collection account showing on my credit report for experian that was supposed to be deleted over a year ago. They failed to validate the debt when asked and it is still reporting to Experian. I do appreciate their prompt from Transunion and Equifax, but this collection is still reporting to Experian.Desired Settlement: Please remove this from my Experian credit report

Business

Response:

The business responded to this complaint but asked that its response not be published

Review: Being a victim of identity fraud thanks to [redacted] Community Health Center I was given a year free to check my credit history and came across a medical bill from 06/2009 which we're in 11/2014 and I believe that the statue of limitations here in florida are 5 years. This collection is very OLD. I am a 64 retired woman on a fixed income.Desired Settlement: I would like this collection form 2009 corrected and taken off my credit history for which I am trying to repair my credit and this old charge is not helping. I'm 64 and retired on a fixed income.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10301825, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I will not be sending my license,social security, and all that ridiculous information you have asked for. the debt I am asking to remove from my credit history is because of statue of limitation in florida. The Identity Fraud I mentioned was just current so which you guys have nothing to do with and that why do not need my documentation. YOU KNOW BETTER!

Regards,

I will not be sending my license,social security, and all that ridiculous information you have asked for. the debt I am asking to remove from my credit history is because of statue of limitation in florida. The Identity Fraud I mentioned was just current so which you guys have nothing to do with and that why do not need my documentation. YOU KNOW BETTER!

Review: All I need is a copy of my itemized bill so the hospital can find the account number and erase it! I have requested it 3x over 3 months.

I have updated my address, called several times and requested an itemized copy of my bill and each time, the reps tell me they will send it and I still havent recieved my itemized bill. Its been 3 months, the account was sent to you in error because I didnt have my insurance card on me at the time of my hospital visit. I have already spoken to the hospital and they are more than willing to delete the account but first they need the itemized bill to get the account info. Please just send me the info at your earliest convenience so that I can get it taken care of and repair my credit score.Desired Settlement: I just want the itemized bill expedited to me please.

My current address is [redacted] N [redacted] Dr APT [redacted] Miami, FL [redacted].

Thank you!

Business

Response:

Our records indicate an itemized statement was mailed to the address provided on October 21, 2014. We have sent another Itemized statement today to the same address.

Review: This charge should not exist.

I have full coverage Medicare and Medicaid so I have no qualifying health expenses. This charge should not exist and should not be on my credit report. I want this issue addressed immediately so as to clear my name. I want this off of my credit report and the negative remarks removed from my credit rating. Thank you for you understanding in this matter. You may send me anything via post to provide more information. I will provide anything I can.Desired Settlement: I want this removed from my credit report and the negative remarks removed that are hurting my credit score.

Business

Response:

Thank you for bringing Ms. [redacted]'s complaint to our attention. Unfortunately based on the information provided, we are unable to locate an account. Please review the attached correspondence sent advising of the same.

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.

You can not find my name or account because I have no dealings with your company. Now could we please have you removed from my credit report?

Regards,

Business

Response:

Please be advised, our office previously responded to this dispute. A resoluion letter was also sent to Ms. [redacted].

January 22, 2015

Revdex.com

Attn: [redacted]

4747 Viewridge Ave. Suite 200

San Diego, CA 92123

Responsible Party: [redacted]

Case # [redacted]

Dear Ms. [redacted]:

Thank you for bringing Ms. [redacted]’s concerns to our attention. Unfortunately, with the information provided to our office, we are unable to locate Ms. [redacted]’s account. Please have Ms. [redacted]’s provide this office with her demographic information, the account number referenced on Ms. [redacted]’s credit report, and the name of the facility so we may locate the account in question and research Ms. [redacted]’s dispute.

Once our office has received the requested information, our office will reply to Ms. [redacted] upon conclusion of our investigation.

Sincerely,

Inquiry Resolution Specialist

________________________________________________________________________________...⇄ />
January 22, 2015

P.O. Box 124

Anniston, AL 36202

Regarding: [redacted]

Dear Ms. [redacted]:

This letter is being sent to you in response to the dispute correspondence we received from the Revdex.com, Case# [redacted].

Unfortunately, with the information you provided, we are unable to locate your account. Please provide this office with your demographic information, the account number referenced on your credit report, and the name of the facility so we may locate the account in question and research your dispute.

Once our office has received the requested information, our office will reply to your letter upon conclusion of our investigation.

Sincerely,

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.

This charge states it is in correlation with Brookwood Medical Center. This charge is ineligible. I have both Medicare and Medicaid and between the two of those, no medical charges.

Regards,

Review: On December 15, 2014, Central Financial Control received my request for valition of accounts they are attempting to collect [redacted], [redacted], [redacted], [redacted], [redacted], [redacted], and [redacted]. I have not received a response. While they are not required under federal law to respond, if they don't respond with proper validation then they are required to cease all collection activity. Proper validation consists of copies of some type of current credtor records, not records which only verify that the collector believes an account is valid(collectors commonly use affidavits, and other silly documents which are not from the creditor, nor are current). as of 1/20/2015, they are still reporting collection accounts on my credit reports. Under federal law, I could sue them and ask for $1000 in damages, since credit bureau reporting is considered a collection activity. However, I am confident that by channeling this dispute through the Revdex.com, amore simple resolution can be made. If they delete the accounts, cease reporting them to the credit bureaus, and provide written confirmation of the same, I will consider this matter resolved.Desired Settlement: If they delte the accounts, cease reporting them to the credit bureaus, I will consider this matter resolved.

Business

Response:

Dear [redacted]:

Our office is in receipt of your dispute you sent through the credit reporting agencies ([redacted]) and your

request for debt validation sent to Central Financial Control. Due to the concerns outlined in your

disputes, our office has thoroughly reviewed your accounts. According to your dispute with the [redacted],

the accounts in question do not belong to you. Based on our review, we have determined that the

accounts in question do belong to you and are neither fraudulent nor due to identity theft.

The above mentioned accounts result from services rendered by our client, Lake Pointe Medical Center.

At each time of senvice, a copy of the Conditions of Services (COS) was signed by yourself and your

spouse; this is the contract that outlines your financial responsibility. Also, the COS specifically states

our client has been given permission to transfer your accounts to a collection agency. Enclosed are copies

for your review. Account: [redacted] Dates of Service January 27-29, 1010

Your insurance carrier. [redacted], processed your claim and assigned $1,483.32 as your

responsibility. Your payment of $13.95 has been applied to your account. The outstanding balance on this account is $1,469.37 and remains due and owing.

Account: [redacted] Date or Service: November 01, 2010

Our client's records indicate incomplete insurance information was provided at the time of service.

Therefore, your account was registered as uninsured. As a courtesy to their uninsured patients, our client

reduced your balance by $1,522.25 to reflect the Discount for the Uninsured Program rate. The

outstanding balance on this account is $675.00 and remains due and owing. Account: [redacted] Dates of Service: March 03-06 2011

Your insurance carrier, [redacted], processed your claim and assigned $2,266.34 as your responsibility. Your

payment of $500.00 has been applied to your account. The outstanding balance on this account is

$1,766,34 and remains due and owing.

Account: 1332879371 Date of Service: May 28, 2012

Your insurance carrier, [redacted], processed your claim and assigned $100.00 as your responsibility. Your

payment ofSl00.00 has been applied to your account. Your account is closed as paid in full. We have

requested the [redacted] update your credit profile to a paid status.

Account: 1430400601 Dates of Service:December 12-16, 2012

Your insurance carrier, [redacted], processed your claim and assigned $2,600.95 your responsibility. The

outstanding balance on this account is $2,600.95 and remains due and owing. Account: 1427964712 Date of Service: December 16,1012

Your insurance carrier, [redacted], processed your claim, and assigned $100.00 as your responsibility. Your

payment of $19.10 has been applied to your account. The outstanding balance on this account is $80.90

and remains due and owing.

Account: [redacted] Date of Service: June 03,2013

Your insurance carrier, [redacted], processed your claim and assigned $100.00 as your responsibility. The

outstanding balance on this account is $100.00 and remains due and owing.

If you disagree with the amounts assigned to you by your insurance carrier, please contact them directly.

The accounts have been validated and the balances in question have been continued as due and owing.

Please note the statute of limitations 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. Thetefote, under

this office's obligations to and with the [redacted], we are obligated to report delinquent accounts.

Both our client and this office made several attempts to contact you at the address provided at each time

of service: [redacted] As neither a response nor contact was received

from you this office reported the accounts in question to the [redacted] as unpaid. Each attempt to resolve the

matter prior to reporting the accounts to the [redacted] was unsuccessful; therefore deletions are not

warranted. Upon receipt ofpayment(s) in full we will update your credit profile to accurately reflect paid

in full statuses.

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

your accounts with our <:lient. The accounts now reside in our cease and desist unit.

Sincerely,

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.CFC's response was not attached as suggested in the letter, so I have no idea what their position is on my complaint. Please attach documents referenced.

Regards,[redacted]

Business

Response:

March 3, 2015 [redacted] Patient Name: [redacted] CFC Numbers: [redacted], [redacted], [redacted], [redacted], [redacted] and [redacted]Facility: [redacted] Dates ofService: January 27-29, 2010,November 01, 2010, March 03-06, 2011, May 28, 2012, December 12-16, 2012, December16, 2012 and June 03, 2013 Dear Mr. [redacted]: Our office is in receipt of your dispute you sent through the credit reportingagencies ([redacted]) and your request for debt validation sent to Central FinancialControl. Due to the concerns outlined inyour disputes, our office has thoroughly reviewed your accounts. According to your dispute with the [redacted], theaccounts in question do not belong to you. Based on our review, we have determined that the accounts in question dobelong to you and are neither fraudulent nor due to identity theft. The above mentioned accounts result from services rendered by our client, [redacted]

[redacted]. At each time ofservice, a copy of the Conditions of Services (COS) was signed by yourself andyour spouse; this is the contract that outlines your financialresponsibility. Also, the COSspecifically states our client has been given permission to transfer youraccounts to a collection agency. Enclosed are copies for your review. Account: [redacted] Datesof Service: January 27-29, 2010Yourinsurance carrier, [redacted] ([redacted]), processed your claim and assigned$1,483.32 as your responsibility. Your payment of $13.95 has been applied toyour account. The outstanding balance on this account is $1,469.37 and remainsdue and owing. Account: [redacted] Dateof Service: November 01, 2010Ourclient’s records indicate incomplete insurance information was provided at thetime of service. Therefore, your account was registered as uninsured. As acourtesy to their uninsured patients, our client reduced your balance by$1,522.25 to reflect the Discount for the Uninsured Program rate. Theoutstanding balance on this account is $675.00 and remains due and owing. Account: [redacted] Datesof Service: March 03-06, 2011Yourinsurance carrier, [redacted], processed your claim and assigned $2,266.34 as yourresponsibility. Your payment of $500.00 has been applied to your account. Theoutstanding balance on this account is $1,766.34and remains due and owing. Account: [redacted] Dateof Service: May 28, 2012Yourinsurance carrier, [redacted], processed your claim and assigned $100.00 as yourresponsibility. Your payment of $100.00 has been applied to your account. Youraccount is closed as paid in full. We have requested the [redacted] update yourcredit profile to a paid status. Account: [redacted] Datesof Service: December 12-16, 2012Yourinsurance carrier, [redacted], processed your claim and assigned $2,600.95 as yourresponsibility. The outstanding balance on this account is $2,600.95 andremains due and owing. Account: [redacted] Dateof Service: December 16, 2012Yourinsurance carrier, [redacted], processed your claim and assigned $100.00 as yourresponsibility. Your payment of $19.10 has been applied to your account. Theoutstanding balance on this account is $80.90 and remains due and owing. Account: [redacted] Dateof Service: June 03, 2013Yourinsurance carrier, [redacted], processed your claim and assigned $100.00 as yourresponsibility. The outstanding balance on this account is $100.00 and remainsdue and owing. Ifyou disagree with the amounts assigned to you by your insurance carrier, pleasecontact them directly. Theaccounts have been validated and the balances in question have been confirmedas due and owing. Pleasenote the statute of limitations for civil actions is four years. The Fair Credit Reporting Act allows thisoffice to report the delinquency for a period greater than the statute oflimitations. Therefore, under thisoffice’s obligations to and with the [redacted], we are obligated to reportdelinquent accounts. Bothour client and this office made several attempts to contact you at the addressprovided at each time of service: [redacted], [redacted]. Asneither a response nor contact was received from you this office reported theaccounts in question to the [redacted] as unpaid. Each attempt to resolve the matterprior to reporting the accounts to the [redacted] was unsuccessful; therefore deletionsare not warranted. Upon receipt ofpayment(s) in full we will update your credit profile to accurately reflectpaid in full statuses. Asyou have requested, this office will cease all written and telephonecommunication with you regarding your accounts with our client. The accounts now reside in our cease anddesist unit. 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.

While I applaud their efforts to finally respond to my complaint. The information CFC provided comes too little too late. My initial request for validation was on December 15, 2014. According to Texas consumer protection laws they had 30 days to respond with a validation. Not only did they not respond in the specified time frame, but they never ceased collection activity regarding this debt. According to FDCPA a debt collector MUST cease collection activity until consumer receives verification. I have asked them to prove that I received documentation from them. Credit bureau reporting is considered collection activity. At this point they have continued to violate state and federal consumer protection laws. I am making my best effort to get this matter resolved without taking legal action. I am respectfully requesting that CFC request deletion of these account with the credit bureaus in light of this information.

Regards,

Business

Response:

Our office is in receipt of the dispute you sent through the Revdex.com. Previouslyyou were provided with a written response to your disputes on January 12, 2015. Enclosed is acopy for your review. .If you have any other disputes or now have additional information relating to the prior dispute(s),please communicate that new dispute or additional information to this office. Sincerely,[redacted]Inquiry Resolution Specialist Dear [redacted]: Our office is in receipt of your dispute you sent through the credit reporting agencies ([redacted]) and your request for debt validation sent to Central Financial Control. Due to the concerns outlined in your disputes, our office has thoroughly reviewed your accounts. According to your dispute with the [redacted], the accounts in question do not belong to you. Based on our review, we have determined that the accounts in question do belong to you and are neither fraudulent nor due to identity theft. The above mentioned accounts result from services rendered by our client, Lake Pointe Medical Center. At each time of senvice, a copy of the Conditions of Services (COS) was signed by yourself and your spouse; this is the contract that outlines your financial responsibility. Also, the COS specifically states our client has been given permission to transfer your accounts to a collection agency. Enclosed are copies for your review. Account: [redacted] Dates of Service January 27-29, 1010Your insurance carrier. [redacted], processed your claim and assigned $1,483.32 as your responsibility. Your payment of $13.95 has been applied to your account. The outstanding balance on this account is $1,469.37 and remains due and owing. Account: [redacted] Date or Service: November 01, 2010Our client's records indicate incomplete insurance information was provided at the time of service. Therefore, your account was registered as uninsured. As a courtesy to their uninsured patients, our client reduced your balance by $1,522.25 to reflect the Discount for the Uninsured Program rate. The outstanding balance on this account is $675.00 and remains due and owing. Account: [redacted] Dates of Service: March 03-06 2011Your insurance carrier, [redacted], processed your claim and assigned $2,266.34 as your responsibility. Your payment of $500.00 has been applied to your account. The outstanding balance on this account is $1,766,34 and remains due and owing. Account: [redacted] Date of Service: May 28, 2012Your insurance carrier, [redacted], processed your claim and assigned $100.00 as your responsibility. Your payment ofSl00.00 has been applied to your account. Your account is closed as paid in full. We have requested the [redacted] update your credit profile to a paid status. Account: [redacted] Dates of Service:December 12-16, 2012Your insurance carrier, [redacted], processed your claim and assigned $2,600.95 your responsibility. The outstanding balance on this account is $2,600.95 and remains due and owing. Account: [redacted] Date of Service: December 16,1012Your insurance carrier, [redacted], processed your claim, and assigned $100.00 as your responsibility. Your payment of $19.10 has been applied to your account. The outstanding balance on this account is $80.90 and remains due and owing. Account: [redacted] Date of Service: June 03,2013Your insurance carrier, [redacted], processed your claim and assigned $100.00 as your responsibility. The outstanding balance on this account is $100.00 and remains due and owing. If you disagree with the amounts assigned to you by your insurance carrier, please contact them directly. The accounts have been validated and the balances in question have been continued as due and owing. Please note the statute of limitations 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. Thetefote, under this office's obligations to and with the [redacted], we are obligated to report delinquent accounts. Both our client and this office made several attempts to contact you at the address provided at each time of service: [redacted] As neither a response nor contact was received from you this office reported the accounts in question to the [redacted] as unpaid. Each attempt to resolve the matter prior to reporting the accounts to the [redacted] was unsuccessful; therefore deletions are not warranted. Upon receipt ofpayment(s) in full we will update your credit profile to accurately reflect paid in full statuses. As you have requested, this office will cease all written and telephone communication with you regarding your accounts with our <:lient. The accounts now reside in our cease and desist unit. Sincerely, [redacted]Inquiry Resolution Specialist

Review: This company has made a fraudulent charge on my credit. The original creditor doesn't even exist.

This collection agency made a false debt on my credit report. I do not owe money to an anesthesia group. The anesthesia group doesn't exist. I've made attempts to contact the collection agency to report this error and I cannot reach anyone. A collect of $59 is listed as a bad debt. I want this removed from my credit report.Desired Settlement: I want this removed from my credit report or I will seek legal action.

Business

Response:

February 12, 2015

Review: I have learned from my credit report that I have an account with this company that has gone into collections. First I would like to say that the hospital that sent the account into collections never called my insurance company to have them pay for it after calling them several times and giving them my insurance information. I have a big problem with this because they are just in a scheme to make money and did not even ask the hospital if they had gone through the process of getting the bill paid by insuranceDesired Settlement: I need you to send this account back to SLUH so they can charge the insurance that I pay for instead of having me pay out of pocket. They should have done this in the first place and the company is crazy to take on a person with insurance. I am not happy. In addition, let me know when my account goes into collections. If I have to find out from a credit report you obviously do not want your money.

Business

Response:

Attached is a copy of th resolution sent to [redacted] addressing her concerns.Dear [redacted]:This letter is being sent to you in response to Complaint #[redacted] fi led with the BetterBusiness Bureau. The above mentioned account results from services rendered by our client, St.Louis University Hospital. Attached are the Conditions of Services provided to you at the time ofservice, outlining your financial responsibilities for services rendered by our client.Your insurance carrier, BlueCross BlueShield, processed the claim on April 15, 2014 assigning$376.36 as your member responsibility. If you have questions regarding the amount assigned byyour insurance carrier, please contact their office directly. The outstanding balance on thisaccount is $376.36, which remains due and owing.Please be advised, under this office's obligations to and with the credit reporting agencies(CRAs) we are contractually obligated to report delinquent accounts. Each attempt to resolve thematter prior to reporting the account to the CRAs was unsuccessful; therefore a deletion is notwarranted. Upon receipt of payment in full we will update your credit profile to accurately reflecta paid in full status.Please contact [redacted] to discuss payment arrangements.Sincerely,[redacted]Supervisor, Inquiry Resolution Services

Review: Contacted Central Financial Control agency twice and have been told that the company bought the account from another company. Wont remove from credit

I have called the company twice to get reports of when I opened this account. They stated they bought it from another company but are reporting it as if I opened this account on 5/2013. This would not have been possible because I would have seen a medical provider using the insurance Tricare which would not charge. I did not open any accounts from this agency and asked them to provide documentation. They have not. I'm asking that they remove this from my credit as soon as possible. The reported account number is [redacted] stating I have a balance of 105 as of October 2013.Desired Settlement: Removal from credit report as soon as possible

Business

Response:

Revdex.com, Inc.

Review: Have tried three times since Auguat 13, 2014 to get itemized statemtn without succes.

itemized bill.

accvount # [redacted].Desired Settlement: itemized statement. [redacted] account [redacted]ospital bill

Business

Response:

Dear Ms. [redacted],

A hardcopy of this letter has been sent to your office.

October 31, 2014

Review: I have 3 letters from you as stating that I paid my collection in full, but you gy never updated my credit reports.

N/a

I can fax you overthe documents if neededDesired Settlement: to update my credit report to paid in full or delete it off because I paid in full!!!

Business

Response:

Thank you for bringing Ms. [redacted]'s complaint to our attention. Please be advised our records show Ms. [redacted]'s accounts are paid in full and our office is accurately reporting that information to the credit reporting agencies. Please note two of Ms. [redacted]'s accounts were paid in full February 6, 2014 (after the date of this dispute) which could be the cause for confusion. Paid in full letters were sent to Ms. [redacted] advising of the same.

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 want them to be deleted off. The credit bureaus are not gonna delete them off my credit report unless you give them permission too. Im trying to buy a house and I cant cause the items are still affecting my report. I paid my dues to you guys even though they wete gonna fall off soon with no problem of giving you guys your money and all im trying to do is better my self and for my son by paying in full.

Please help me get them delete from my report. Im just trying to making a better living for my son.

Review: A letter for a VALIDATION request was sent and delivered to Central Financial on April 7, 2014 regarding Acct # [redacted]. No response has been received.Desired Settlement: Central Financial failed to respond to my VALIDATION request within 30 days from the date of receipt. All references to this account must be deleted and completely removed from my credit file (Equifax, Experian, and TransUnion) and a copy of such deletion request shall be sent to me immediately.

Business

Response:

The Revdex.com

Review: I have been trying to pay this debt and have it removed from my credit report. I called in on 7/8/15 and was told by the customer service rep that the call was being recorded, I asked her if they are able to remove negative credit reporting and she a told me that it was against the law, I called her out on that and she began to back peddle and then told me that they are told by the credit bureaus that they are not allowed to remove items. I began to do research today and on 9/24/14 under business resolution they said this "we are in the process of retracting/deleting our collection entry from your credit profile." I feel like I have been lied to by someone that just didnt want to help me and remove something from my report.Desired Settlement: I would like to be able to pay the $1089 and simply have it removed/deleted from my credit report. I feel like I was lied to and have proof that they do remove items from credit reports if they so desire. This is not against the law like I was told on the recorded call on 7/8/2015. Please call me any time to discuss 214-673-8627. I DO NOT DISPUTE IT, I simply want to pay it and have it removed.

Business

Response:

Revdex.com,

Thank you for bringing Mr. [redacted]' complaint to our attention. Attached is a copy of the response sent to Mr. [redacted] which serves as a response to his complaint case #[redacted].

Review: Name [redacted]

Account # [redacted]XXXX

Address # [redacted] Way, [redacted]

Phone # 404-[redacted]

A letter for a VALIDATION request was sent and delivered to Central Financial on July 17, 2015 regarding Acct # [redacted]XXXX, No response has been received. They continued to call me and offered me a settlement, I agreed upon once I paid they would remove it from my report, that has not happen. Also I have read up and realized they were in violation of the HIPPA laws in the state of Georgia. Anyway too little to late I need this removed from my credit reports.Desired Settlement: Central Financial failed to respond to my VALIDATION request within 30 days from the date of receipt, even after that I payed and they agreed to remove from bureaus. All references to this account must be deleted and completely removed from my credit file (Equifax, Experian, and TransUnion) and a copy of such deletion request shall be sent to me immediately.

Business

Response:

Revdex.com

Review: The information that this company is reporting is fraudulant and needs to be removed from my credit. Act# [redacted]Desired Settlement: This information needs to be removed from my credit report.

Business

Response:

September 9, 2015

Review: they keep sending me a settlment bill for $924 and say I never paid the [redacted] emergency physicians for my er visit 1/31 the checks were cashed

[redacted] emergency physicians

Update

800-355-2470

PO BOX 98570

LAS VEGAS, NV 89193 - [redacted] Pending Payments

You don't have any pending payments.

Recent Payments

08/01/14

$200.00

07/23/14

$691.00

Biller Name Account Amount Pay Date Confirmation Status

[redacted] emergency physicians

[redacted] $691.00

07/23/2014 [redacted] Paid

Memo:

[redacted] HOSPITAL VISIT 1/31

Check #[redacted] was mailed to [redacted] emergency physicians for receipt by 07/23/2014. Funds were withdrawn from your [redacted] account on 07/23/2014.

If you have a question about your bill or about crediting the payment to your biller account, please contact [redacted] emergency physicians directly.

If you have a question about this payment, you can send us a payment inquiry .

Biller Name Account Amount Pay Date Confirmation Status

[redacted] emergency physicians

[redacted] $200.00

08/01/2014 [redacted] Paid

Check #[redacted] was mailed to [redacted] emergency physicians for receipt by 08/01/2014. Funds were withdrawn from your [redacted] account on 08/01/2014.

Biller Name Account Amount Pay Date Confirmation Status

[redacted] emergency physicians

$691.00

07/23/2014 [redacted] Paid

Memo:

[redacted] HOSPITAL VISIT 1/31

Check #[redacted] was mailed to [redacted] emergency physicians for receipt by 07/23/2014. Funds were withdrawn from your [redacted] account on 07/23/2014.

If you have a question about your bill or about crediting the payment to your biller account, please contact [redacted] emergency physicians directly.

If you have a question about this payment, you can send us a payment inquiry .Desired Settlement: I HAVE CONTACTED THE HOSPITAL VIA EMAIL TOO..

TELL THEM TO GET IT TOGEHTER IT WAS PAID... AS REQUESTED SO STOP WITH MY CREDIT WHATEVER AND STOP CALLING ME AND SENDING ME MAIL FOR SOMTHING I HAVE PAID PLEASE AND THANK YOU

Business

Response:

November 6, 2014

Review: On July 21, 2014 Central Financial Control received my certified letter requesting validation of accounts they are attempting to collect ([redacted], [redacted], [redacted], [redacted], [redacted]). I have not received a response. While they are not required under federal law to respond, if they don't respond with proper validation then they are required to cease all collection activity. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid (collectors commonly use affidavits, and other documents which are not from the creditor, nor are current). As of September 4, 2014, they are still reporting collections on my credit reports. Under federal law, I could sue them and ask for $1000 per violation in damages, since credit bureau reporting is considered 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 accounts, cease reporting them to the credit bureaus, I will consider this matter resolved.

Business

Response:

August 21,2014

[redacted] S. [redacted]

[redacted] Valley Rd.

[redacted], TX [redacted]

Patient's: [redacted], [redacted], [redacted], [redacted] and [redacted]

Account Numbers: [redacted], [redacted], [redacted], [redacted], [redacted], [redacted] and [redacted]

Facility: [redacted] Medical Center

Dates of Service: 11/2612007, 12/15/2007, 3/10/2008, 4/14/2008, 8/17/2009, 9/4/2009 and 10/12/2009

Dear Ms. [redacted]:

Our office is in receipt of your letter requesting a review debt validation of the above listed accounts.

The above listed accounts result from services rendered by our client, [redacted] Medical Center. The

recipients of services related to the above referenced accounts have been identified as yourself and your

natural minor children, [redacted] and [redacted]. You were provided copies of the

Conditions of Services (COS) upon each visit to the facility, which is the contract that outlines your

financial responsibility. Also, the COS specifically states should the account become delinquent it may

become necessary for the account to be referred to a collection agency.

Your insurance carrier, BlueCross BlueShield, has been billed on the accounts, which had insurance

coverage. If you disagree with the amount assigned by your insurance carrier, please contact your carrier

directly. Our client's records reflect insurance was not provided on all the accounts. As a courtesy, our

client gave you uninsured discounts on the accounts which did not reflect having insurance to reflect the

Discount for the Uninsured Program rate. The following is a summary of each account.

Account Number: [redacted] Date of Service: 11/26/2007 Patient: [redacted] S. [redacted]

Your carrier assigned $276.80 as your responsibility. Your outstanding balance remains $276.80 and is

due and owing. Enclosed is a copy of the Explanations of Benefits, for your review.

Account Number: [redacted] Date of Service: 12/15/2007 Patient: [redacted] S. [redacted]

Your carrier assigned $414.98 as your responsibility. Your payments totaling $100.00 have been

received and applied to your account. Your outstanding balance is $314.98 and is due and owing.

Enclosed is a copy of the Electronic 835 Claims Summary, for your review.

Account Number: [redacted] Date of Service: 3/10/2008 Patient: [redacted]

An uninsured discount of $550.90 was applied to the account. Your outstanding balance as this time is

$675.00 and remains due and owing, for your review.

Account Number: [redacted] Date of Service: 4/14/2008 Patient: [redacted] S. [redacted]

Your carrier assigned $562.97 as your responsibility. Your payments totaling $85.00 have been received

and applied to your account. Your outstanding balance is $477.97 and is due and owing. Enclosed is a

copy of the Electronic 835 Claims Summary, for your review.

Account Number: [redacted] Date of Service: 8/17/2009 Patient: [redacted]

Your carrier assigned $415.92 as your responsibility. Your outstanding balance remains $415.92 and is

due and owing. Enclosed is a copy of the Electronic 835 Claims Summary, for your review.

Account number: [redacted] Date of Service: 9/04/2009 Patient: [redacted]

Your carrier assigned $204.90 as your responsibility. Your outstanding balance remains $204.90 and is

due and owing. Enclosed is a copy of the Electronic 835 Claims Summary, for your review.

Under this office's obligations to and with the credit reporting agencies, we arc contractually obligated to

report delinquent accounts. Our records indicate you were properly notified of the outstanding balances

prior to reporting the accounts on your credit profile. Upon receipt of payment in full we will update your

credit profile to accurately reflect a paid in full status. Our office does not accept payments for deletion.

Account number: [redacted] Date of Service: 10/12/2009 Patient: [redacted]

Your carrier assigned $76.00 as your responsibility. Your payment of $35.00 has been received and

applied to your account. Your outstanding balance is $41.00 and is due and owing. Enclosed is a copy of

the Electronic 835 Claims Summary, for your review.

Please note we have been unable to verify through our investigation that you were properly notified by

our office of the above account ([redacted]) prior to them being reported. Therefore, our office will

submit a request to the CRAs to delete the information regarding the above account from your credit

report. We ask that you allow the CRAs 30 to 60 dars respectively to process our request from the date

of this letter. If the status of your profile does not reflect this change on any other credit bureau report,

please provide that particular credit bureau with a copy of this letter so they may update this change

accordingly.

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

this office to report the delinquent accounts for a period greater than the statute of limitations. We are also

allowed to attempt to collect the debt for a period greater than the statute of limitations.

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

your accounts.

Please call (800)300-7192 to make payment arrangements.

Sincerely,

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.

Im not sure that Central Financial Control understands the FDCPA law. You see... they failed to cease collection activity during the validation period. Meaning that when I requested validation of these accounts I never received a response to my request within 30 days.(As specified by Texas law). Also they continued collection activity though I did not receive a response. I think they need to understand that credit bureau reporting is considered collection activity. Federal law makes it clear that debt collectors MUST cease collection activity until debtor receives verification of the debt. At this point Central Financial Control has already violated federal and state consumer protection laws. Anything they are coming up with now is too little too late. At this point, I am entitled to statutory damages. And should I take this matter to court before a jury in my community, I am confident I will prevail. This is, however, my attempt to make every effort to get this matter resolved without taking legal action. I respectfully request that Central Financial Control review the collection law in this case starting with FDCPA Section 809(b), and delete these accounts from my credit reports.

Regards,

Review: Acct is for my daughter, [redacted] (DOB [redacted]). I am the responsible party for account. She had a minor outpatient procedure done back in 11/2013. My out of pocket expenses totaled a little over $800. I was not working and made an agreement with CFC to make monthly payments of $80 to satisfy outstanding balance. This agreement was made 02/2015. Although, I was not working my husband made these payments. I contacted CFC in September of 2015, asking to lower the payments to $50 a month since I was not working and most of principle had been paid. CFC agreed to lower payments. I asked CFC if this affected the acct showing on my credit. They said that it would NOT. They said that as long as I paid the agreed upon amount of $50 a month, they would not put it on my account. They used deceptive methods to collect the balance on that account, which is against Fair Debt Collection Practices. They lied to me, in order to collect balance. The owed amount on account is now $57. My husband made a payment for $50 in Dec of 2015. They reported to credit bureaus two days ago. I would like for this to be removed from my credit because they were dishonest with me, violated the Fair Debt Collection Practice and Account's balance is now $0 (as I have paid if off).Desired Settlement: I am requesting that they remove this from my credit report since they were dishonest when collecting the amount owed on the account and violated the FDCP, with deceptive practices to collect debt.

Business

Response:

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

Consumer

Response:

I have not reviewed the response made by the business in reference to complaint ID [redacted]. Therefore, I have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I can not see response to my complaint. There is not attachment, for viewing.

Regards,

Business

Response:

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

Review: I have been billed for 5 accounts from this company from 5 hospital visits that I never went to myself. They provided me very personal information over the phone on exactly what was done,and again this was not my information as can be explained in the procedures.This is NOT a request for verification or proof of my mailing address, but a request for FULL MEDIA VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that (a) the account is valid and signed by me (b) the amount allegedly owed is accurate, and (c) I have a contractual obligation to pay Central Financial Control for this alleged debt.All of the following MUST be provided within 30 days from the above date to adequately validate the authenticity of the alleged debt AND provide proof of my contractual obligation to Debt Collection Company Name for this alleged debt: Signed credit application between myself and the original creditor Copies of all signed vouchers from the date account was opened until default Copies of all statements from the date account opened until default Proof of the statute of limitations Proof of agreement that you were hired by [redacted]creditor as defined by the [redacted]) or If the alleged debt was purchased, provide a copy of an agreement between [redacted]n or [redacted] and myself, signed by me, stating that I have a contractual responsibility for the alleged debt.

Product_Or_Service: None

Account_Number: [redacted]Desired Settlement: See Complaint Text

Business

Response:

July 24, 2014[redacted]Patient: [redacted]Facility: Sierra Providence East Medical [redacted]CFC Account #s: [redacted], [redacted], [redacted] and [redacted]Dates of Service: 11/29/2009, 12/09/2011, 8/12/2012 and 9/27/2012Dear [redacted]:Our office is in receipt of your disputes filed with the credit reporting agencies.According to your dispute, the accounts in question are either fraudulent or do not belong to you. Ouroffice has thoroughly reviewed the accounts. Based on our review, we have determined that the accountsin question do belong to you and are neither fraudulent nor due to identity theft.The aforementioned accounts result from services rendered by our client [redacted]. Upon each date of service copies of the Conditions of Services were available, which is thecontract that outlines your financial responsibility. Also, the COS specifically states our client has beengiven permission to transfer your account to a collection agency.Our client's records reflect insurance information was not provided upon the date of service on accountnumber [redacted] and [redacted]. As a courtesy, [redacted] has givenyou a discount on these accounts to reflect the Discount for the Uninsured Program rate.Below is a listing of your accounts with the current status.Account Number: [redacted] Date of Service: 11/29/2009A discount of $2,687.80 has been applied to the account. Your outstanding balance at this time is$892.50 and remains due and owing.Account Number: [redacted] Date of Service: 12/9/2011A discount of 6,364.34 has been applied to the account. Your outstanding balance at this time is$1,260.00 and remains due and owing.Your insurance carrier, [redacted], has been billed and processed the following claims. If you disagree withthe amounts they assigned as your responsibility please contact them directly.Account Number: [redacted] Date of Service: 8/12/2012[redacted] assigned 391.00 as your responsibility. Your outstanding balance at this time is $391.00 andAccount Number: [redacted] Date of Service: 9/27/2012[redacted] assigned 786.37 as your responsibility. Your outstanding balance at this time is $786.37 andremains due and owing.Please call [redacted] to make payment arrangements.Sincerely,[redacted]Inquiry Resolution Specialist

Review: CENTRAL FINANCIAL CONTROL is inaccurately reporting unsubstantiated collection activity from 10-12 on my Credit Report in AN UNDISCLOSED AMOUNT. I have attempted to resolve the matter directly with them and asked for ANY corroborating paperwork to no avail. I would like this reporting to be removed from credit report.Desired Settlement: I would like this reporting to be removed from credit report.

Business

Response:

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

Business

Response:

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