Centron Services, Inc.

Thank you for this opportunity to assist Ms*** in
clarification on her collection account
Ms*** indicates that she spoke with StPeter’s
Hospital shortly after her accounts were placed with Credit Systems for
collections asking that they be pulled from collections. Credit
Systems is unable to comment on any
conversations Ms*** may have had with StPeter’s Hospital as we do not
have direct access to their records. It
is not their practice to pull accounts from collections after they have
been placed
Ms*** suggests that she has requested an itemization
of her collection account. Credit
Systems does not have record of such a request from Ms***. Ms*** collection account was turned to
Credit Systems on July 1, in the amount of $5,811.39. On this date the collection account began
accruing interest at a rate of ten percent (10%) annually in accordance with
Montana State law. The interest is calculated
against the owing principle balance and compounded daily, meaning that a small
amount of interest is added to the total balance owing every day. There has been a total of $1,paid to
Credit Systems through September 25, for this collection account. All of that amount paid has applied towards
the principle balance of the account, which is currently $4,561.39. There is $1,owing in interest and, as
of January 11, 2016, Ms*** collection account balance totals
$5,861.73.
Ms*** provides that they are not making progress on paying
their bill and that our suggestion for automatic payments in order to stop
interest is not an option for them due to irregular paydays for her
husband. As can be seen above, the
payments have been applied towards the principle balance only, and, therefore,
their balance is being resolved. With a principle
balance this large, and interest accruing against that balance, the payments
they have made over this two year period did not overtake the amount accrued in
interest.
Ms*** is correct in that we offer automatic payments
as an option for Credit Systems to agree to stop further interest from
accruing. This option is not dedicated
to individual days of the month, however.
Payments are, in fact, able to be scheduled to process on any days provided
by the consumer. This means that Ms
*** would be able to schedule when the payments would process, even if that
was to be different days for each month
Ms*** indicates she attempted to reach a settlement
amount with Credit Systems in order to resolve her collection account. Credit Systems does not have record of any
offers placed by Ms*** to resolve her collection balance. Her husband, *** ***, discussed the
settlement process as well as asked for guidelines on how to approach this process,
but did not make a firm offer that we would have been able to review
Ms*** also points out that this account is reflected
as bad debt on Mr*** credit file.
This is correct. Credit Systems
is a collection agency and this account is an unpaid, bad debt balance. The account will update as a paid in full
balance when the balance is indeed paid in full. If Ms*** has any other questions regarding her
account, she may contact our office at * *** *** or by mail at ** *** *** *** ** ***
Thank you,
*** ***
Collection Department Supervisor
Centron Services, Incd/b/a Credit Systems
*** ***

Revdex.com,I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my complaintFor your reference, details of the offer I reviewed appear below.Regards,*** ***

Thank you for this opportunity to assist Ms. [redacted] in clarification on her collection accounts. Ms. [redacted] suggests that Credit Systems has charged her more than she believes she rightfully owed for her collection accounts.  She further asserts that our actions are illegal and that if she had...

not addressed the alleged error, this alleged error would not have been corrected. The amount that Ms. [redacted] has been charged to resolve her collection accounts is indeed larger than the balances she owed the original creditors, totaling $1,551.13.  Our office is allowed by Montana law to assign interest at a rate of 10% annually towards the unpaid principle portion of her balance.  In a similar vein, Ms. [redacted] also signed a financial agreement with one of the creditors Credit Systems is collecting for, Family Doctor’s Urgent Care, wherein she agreed with the creditor that she would pay for the fees incurred if her account was turned to collections. To expand on this information, Ms. [redacted] has had six accounts placed for collections that were included in a judgment our office obtained against Ms. Duncan.  This judgment was granted by the Park County Justice Court in Montana on July 20, 2015 in the amount of $2,018.46.  Our judgment sought to recover not only the original balance owed to the creditors, but also the lawfully accrued interest, the contractually assigned collection fee, and the costs associated with further prosecution of this matter (referred to as “court costs”). The creditors in this judgment involve four accounts from Bozeman Deaconess Hospital, one from Bozeman Clinic, and one from Family Doctor’s Urgent Care.  Below is a breakdown of the original balances owed to each creditor, as well as interest that had accrued between 2012, the time Credit Systems began receiving collection accounts for Ms. Duncan, until the time she paid the accounts, the amount of the contractually agreed upon collection fee, and the court costs: Bozeman Deaconess Hospital:                                   $1,324.94 Bozeman Clinic:                                         ...⇄ $134.89 Family Doctor’s Urgent Care:                                      $91.30 Interest accrued:                                         ...⇄ $777.08 Collection fee:                                         ...⇄ $41.09 Court costs:                                         ...⇄ $246.00 Less credits received:                                         ...⇄ $(155.50) Total balance as of November 13, 2017:                                 $2,459.80 Ms. [redacted] contacted our office on November 13, 2017 in order to negotiate resolving her collection accounts.  Prior to this, on October 17, 2017, our office had sent a levy to Ms. Duncan’s bank, Rocky Mountain Bank, and to the Montana Department of Revenue to place a lien on any state income tax due her.  During the conversation that took place on November 13, 2017, Ms. [redacted] was informed that Credit Systems would be willing to settle her debt and thus satisfy her judgment for $1,885.72.  At the time of the payment, this represented an approximate 23% discount on her collection account balance.  Ms. [redacted] scheduled a payment by phone with our office at that time to resolve her collection accounts.  She was informed that we would contact Equity Process Management (EPM) who was hired to manage our service of process and let them know of the payment and our agreement to satisfy the judgment.  We emailed EPM that day with instruction to release the writ of execution that was issued to Rocky Mountain Bank and the Montana Department of Revenue. Ms. [redacted] contacted our office again on November 15, 2017 to inquire whether her bank had received notification of the release we intended to issue.  She was informed by our staff during that conversation that we had issued an email to our process server but would have no way to know ourselves whether the release was provided to her bank.  That is not a function our office is able to perform as we do not employ a licensed process server on our staff and must contract out that work. Ms. [redacted] contacted our office again on November 16, 2017 claiming that the funds were not released and that her account was now in arrears.  At that time, Ms. [redacted] made claims that this activity was illegal and must be remedied.  Our staff recommended that she speak with an attorney if she would like legal advice and explained that we would reach our process server to confirm they issued the release paperwork.  That day, we confirmed with EPM that they had indeed released our judgments writ of execution from her bank account. It is our understanding that Ms. [redacted] was issued a letter from Rocky Mountain Bank notifying her of the levy, as well as explaining their policies and legal requirements to hold the funds for 10 (ten) business days.  The letter, according to the copy she provided us, was dated November 8, 2017.  Within this letter it clearly explains that any funds drawn on her account during this holding period may create an overdraft due to $2,335.79 being held in order to honor the writ of execution.  The hold referenced in this letter is not something that Credit Systems would be able to control, nor were we made aware of her banks obligations prior to Ms. [redacted] supplying a copy of this letter to our office. Credit Systems denies the allegation Ms. [redacted] provides in suggesting our office operated illegally.  The track Credit Systems has taken is well within our normal business practices and we have followed through with all of the steps we expressed to Ms. Duncan.  We also deny her allegation that our office would not have followed appropriate protocol for resolution without her first contacting our office.  At this time, any dispute she may have regarding an overdraft on her account will need to be addressed with her bank.  Our office believes the answer to her issue is held in the aforementioned letter Rocky Mountain Bank supplied her on November 8, 2017 regarding the hold placed on her account. At this time, Ms. [redacted] does not have any owing collection accounts with Credit Systems.  If Ms. [redacted] has any further questions regarding her collection accounts, she may contact our office at 1 (800) 223-8112 or by mail at PO Box 875, Helena, MT  59624.Thank you, Sarah F[redacted]Collection Department ManagerCentron Services, Inc. d/b/a Credit Systems(800) 223-8112

June 23, 2017  Revdex.com PO Box 1000 DuPont, WA 98327     RE: [redacted]        To Whom It May Concern: Thank you for providing us the dispute from [redacted].  I have reviewed the file and his dispute.  He is...

claiming that we are refusing to issue a letter of satisfaction to him or the court for the fourth suit we filed against him.  I found that we have filed a total of five suits against the consumer and after reviewing our records we mailed requests of satisfactions to the court as follows:                 Case Number                                     Date of Satisfaction                 [redacted]                                   ...⇄ 10/28/15                 [redacted]                                   ...⇄                 [redacted]                                   ...⇄ 3/15/12                 [redacted]                                   ...⇄ 4/21/10   In regards to the most recent case [redacted] that was paid off on 6/21/17 and we are preparing a request of satisfaction that will be sent to the court.    If the consumer is would like a copy of the conformed satisfaction of judgement that is issued from the court he would need to contact the court as we are not provided one.   Sincerely,   Sarah F[redacted] Collection Manager Centron Services, Inc. d/b/a Credit Systems

Thank you for this opportunity to assist Ms. [redacted] in clarification on her collection account again.
Ms. [redacted] suggests that Credit Systems does not check with our clients to determine the validity of debts collected by our office.  This allegation is incorrect.  Our creditors place...

accounts with our office for collections with an understanding that the accounts are valid collection accounts.  Upon the request of the consumer, Credit Systems will validate the debt with a statement of services from the original creditor.  It is up to the consumer to dispute the validity of the debt.  Our office suggested to Ms. [redacted] to dispute her debt in writing by providing her accident information so that we may appropriately follow up with her dispute.  Ms.  [redacted] has not, to date, provided this information for Credit Systems to proceed with any further investigation of her dispute.
Based on our information and follow up with the creditor, an insurance plan from [redacted] provided to [redacted] was billed, payment was rendered, and appropriate adjustments to the balance were made.  At this time, if Ms. [redacted] does not believe her insurance provider has paid appropriately, she will need to contact her insurance provider in order to determine how she may manually submit this claim.
If Ms. [redacted] has any other questions regarding her account, she may contact our office at 1 (800) 223-8112 or by mail at PO Box 875, Helena, MT  59624.
Thank you,
Mike H[redacted]
Collection Department Supervisor
Centron Services, Inc. d/b/a Credit Systems
(800) 223-8112

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Sincerely, [redacted]

Thank you for this opportunity to assist Mr. [redacted] in
this matter.
Mr. [redacted] is disputing the date by which his collection
account with Credit Systems was paid in full and requesting that this item be
removed from his credit file based on the suggested error.
Credit Systems has reviewed...

Mr. [redacted]’s collection
account.  The account was placed for
collections on February 15, 2011 in the amount of $321.11 from Big Sky Western
Bank. 
Mr. [redacted] paid his account through three payments
beginning in April of 2015, the last of which processed and posted on June 12,
2015. 
Mr. [redacted] has disputed the item on his credit file three
times to date.  The first was filed on
June 17, 2015 through Equifax reflecting that the account was paid in
full.  Our credit reporting personnel
responded to this dispute confirming the account was paid in full.
Credit Systems submitted an electronic request for his
credit file to update his collection account as paid in full on July 9, 2015.  This is something that is automatically
processed by our collection software. 
Mr. [redacted] subsequently disputed the account through TransUnion
on August 31, 2015 suggesting that he was not liable for the account.  Credit Systems responded to this dispute on
the same day reflecting that it was a valid collection account and verified the
paid in full status.   
Mr. [redacted] submitted another dispute through Equifax on
September 16, 2015 suggesting that Credit Systems agreed to remove the account
from his credit file due to the account being paid in full.  Credit Systems does not participate in credit
bartering; that is to say that we do not agree to remove items from consumer
credit files in exchange for payment. 
Our credit reporting personnel responded to his dispute as such on the
same day.
Credit Systems cannot comment on the date Mr. [redacted]
references in his complaint as we do not have access to view his credit file and,
as such, can only base dates on what is reflected in our system.  Mr. [redacted] is welcome to submit a copy of his
credit reports from Equifax and TransUnion to us so that we may review for any
errors in the data and assist him in clarifying the information.
We apologize for any confusion this matter has caused Mr.
[redacted] and encourage him to contact our office if he has any further questions. 
Thank you,
[redacted]
Centron Services, Inc. d/b/a Credit Systems
[redacted]

Thank you for this opportunity to assist Ms. [redacted] in
clarification on her collection account again.
Ms. [redacted] identifies in this complaint that she asked to
speak with a supervisor regarding settlement. 
On October 30, 2015, Ms. [redacted] spoke with [redacted] from our
office.  During that conversation Ms.
[redacted] indicated she was unwilling to pay further due to a lack of progress on
her balance.  Ms. [redacted] explained to Ms.
[redacted] at that time that her payments were being applied towards the principle
balance on her account.  Ms. [redacted] also
offered automatic payments in order to stop interest from accruing again,
something Ms. [redacted] had previously refused. 
Ms. [redacted] refused automatic payments during this conversation as
well.  Ms. [redacted] did ask about a settlement,
but did not make an offer indicating that she had previously been instructed
that a 10% discount is an option to approach settlement negotiations.  Ms. [redacted] confirmed this information but offered
Ms. [redacted] to speak with her supervisor, [redacted].  Ms. [redacted] refused explaining she had already been
given this answer before.  Ms. [redacted] did
not transfer the call due to Ms. [redacted] indication that she had already
discussed settlement which was in line with what Ms. [redacted] suggested in her
previous complaint. 
Credit Systems does not purchase debt.  Accounts are placed with our office by St.
Peter’s Hospital for collections.  There
are no fees assessed to the consumers that owe these debts.  Interest does, however, accrue in accordance
with Montana State law, as indicated in the previous response to Ms. [redacted]
first complaint.  As we are not a
government entity, we are not bound by the Freedom of Information Act.  The contracts held between Credit Systems and
its clients are confidential in nature and are not shared with consumers.  If Ms. [redacted] has further questions about the legality
of debts being placed with third parties for collections, the obligations of
consumers to pay said debts, as well as interest accruing against the balance,
Credit Systems suggests that Ms. [redacted] seeks appropriate legal counsel for an
explanation.
The payments accounted for in the total presented to Ms.
[redacted] in the previous response only considers payments made directly to Credit
Systems.  Payments made prior to the
account being placed with our office for collections are already credited to
the consumers balance before the account is placed.  The amount placed for collections is an
accurate reflection of the consumer’s current balance at the time the account
is placed.Credit Systems is collecting a valid debt, in accordance
with both state and federal laws that govern debt collections.  If Ms. [redacted] feels she needs to obtain
attorney representation to assist her in this matter, please have Ms. [redacted]
contact our office to provide consent to communicate with her attorney along
with her attorney’s contact information.
If Ms. [redacted] has any other questions regarding her
account, she may contact our office at [redacted] or by mail at [redacted].
Thank you,
[redacted]
Collection Department Supervisor
Centron Services, Inc. d/b/a Credit Systems

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and while I do not agree with all of the details in the response, I do find that this resolution is satisfactory to me. Sincerely, [redacted]

Thank you for this opportunity to assist Mr. [redacted] in clarification on this collection account.
Mr. [redacted] suggests that he spoke with our office on several occasions.  According to our records, Credit Systems has only had one telephone conversation with Mr. [redacted].  This took...

place on September 12, 2014 where he spoke with Lexi.  During this conversation he informed us that his mother, [redacted], had passed away the prior year.  Mr. [redacted] expressed his interest in assisting our office with resolving the account that was placed in our office for collections.  At that time, he requested a statement of services rendered be sent to him directly.  Our office mailed this information to Mr. [redacted] on October 30, 2014.  Credit Systems has made a number of follow up attempts with Mr. [redacted] since this time through both phone and mail with no response.
Mr. [redacted] is not responsible for payment of this collection account and it has reported to his credit file in error.  Credit System has placed a request to remove this account from Mr. [redacted]’s credit file due to this error and we apologize for any convenience this error may have caused.
If Mr. [redacted] has any other questions regarding this account, he may contact our office at 1 (800) 223-8112 or by mail at PO Box 875, Helena, MT  59624.
Thank you,
Mike H[redacted]
Collection Department Supervisor
Centron Services, Inc. d/b/a Credit Systems
(800) 223-8112

Dear Ms. [redacted],
Thank you for this opportunity to assist Mrs. [redacted] in this matter.
Mrs. [redacted] suggests that she received a phone call from our office requesting to speak with her husband, [redacted].  This is accurate.  She is also correct in that this is a personal business...

matter regarding Mr. [redacted] and, due to the personal nature of the call, we were unable to assist Mrs. [redacted] further due to her refusal to confirm her date of marriage to Mr. [redacted].  The subject of this personal business matter may potentially be discussed with Mrs. [redacted] if she is willing to confirm a date of marriage.  Depending on the date Mr. and Mrs. [redacted] were married, it may be possible for us to release this information to her.  If she prefers to not disclose their date of marriage, Mr. [redacted] may contact us to provide his consent to disclose his personal business.  His consent may be provided to us verbally or in writing.
We apologize that Mrs. [redacted] feels we should not be asking for personal information such as this, but it is necessary for any potential communication we may have with individuals.
Thank you,
Mike H[redacted]
Centron Services, Inc. d/b/a Credit Systems
(800) 223-8112

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received, your complaint will be closed Administratively Resolved]
Revdex.com,
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.PLEASE NOTE THE HIGHLIGHTED AREAS IN MY COMPLAINT AND YOUR RESPONSE!
 Our son got RSV when he was only about 3 months old, we took him to Saint Peters Hospital in Helena, MT. We starting paying on the amount owed which was somewhere around $6000. What little payments we could make we were still making them. It was only 30 days late and St. Peters assigned or sold our debt to Credit Systems in Helena, MT within a couple of months of paying on it with St. Peters. We got a letter in the mail from Credit Systems telling us our debt was overdue and was now turned over to them and they will be collecting the debt...I called St. Peters to try and resolve the issue and asked them to please turn it back over to the hospital my husband was laid off and we were doing the best we could on the payments, the lady I talked to through the hospital WOULD NOT let me speak with a manager of some sort because she assured me that the manager would NOT okay this, and that the manager was no where to be found, so it was a "lost cause". So we started paying Credit Systems of Helena in 2012 (which is the same year my son got sick and we started making payments to the ORIGINAL Creditor St. Peters Hospital, then they turned us over or sold the debt to Credit Systems) we could only afford about $50 payments at the time some months were harder than others and we did $25 payments...every time we would get the statement the Amount Due would NEVER read any different! So I called in and asked why this is, the first person told me if was the interest being charged, if I wanted to see a difference in my bill and have it dwindle I needed to make the REQUIRED amount to pay which she told me was $75, I said ma'am we don't have that much to spare for a payment with my husband being laid off and such, she said well that's what needs to happen so can't do anything about that. So we keep paying basically beating a dead horse with the payment never making a difference in the amount due. I called again asking if there is anything they can help me with to try to make my $50 go toward to amount due to try to make this amount go down, well we can set up an automatic withdraw on your bank account so we can just take the payments every month and it can stay $50...I said yeah that would be great if my husbands paychecks fell on the exact same day every time but THEY DON'T, they didn't understand what the big deal was so I broke it down for them...okay if you guys take my $50 payment out on say the 12 day of every month and some months my husbands paycheck falls several days after that...that is a $28 fee EVERYDAY until another check comes in so I CAN NOT DO THAT due to the way his checks fall!!! Well sorry but that's the only choice. Okay...so we keep paying on it and I call again asking if I can talk to someone higher up about some sort of settlement...well my supervisor isn't here right now but I can tell you right now that the best we can do is come off the bill about 10%.............oh WOW okay so my $5800 amount due to you I will be able to take off $580, thanks for nothing....anyways I kept demanding I speak with a superior but NO ONE could ever get me in touch with someone, "they aren't here, lunch break, gone today" were always all the excuses I would get but they always could speak for them saying "I know they would settle for nothing less than this and this amount". So we keep on paying, we have basically been paying on this bill for close to 4 years and not a penny or dime or dollar has gone down. I called another time to ask for an itemized bill, "we can't send that to you" WHAT?????!!!!! I can't have an itemized bill on what I have paid on for 4 years of my payment history and all the hidden fees and interest?....She insists she can't send me something like this but what she can do is send me a letter telling me what all has been paid toward principle. We keep paying on it and finally My husband and I decided to just stop payment completely no one wanted to help us out of work with our budget and boundaries, so we didn't make a payment that month and finally someone calls me from Credit Systems of Helena and asks how do you want to make your payment today, I told her I am done paying on this bill since I never talk to a superior no one can help me with trying to get information or settlements, every ones story is different, and all my payments are not lowering my bill...the lady stuttered and said excuse me?...I'm not sure what you mean ma'am. I said no one can let me talk to someone higher up I've been told so many different things as far as rules and what goes and what doesn't go, and I told her how my $50 payment isn't even going to my bill it is all going to interest...she told me Ma'am I don't know where you are getting your information from but our interest is only $7.50 so I'm not sure where you are getting your numbers from but you are wrong on that part....that's all she, and then she said that her manager was actually just walking passed her office and she can get him on the phone right now. I just found it funny that all of a sudden now I can FINALLY talk to someone higher up. Also they have reported this collection to my husbands credit and has ruined it for all these years, and we have struggled to try to make this bill payment and to get it to lower. Trying to get our own business going and due to report on his credit from this collection agency it has been very difficult and we have suffered from this. So now I will take legal action.Thank you for this opportunity to assist Ms. [redacted] in clarification on her collection account.  Ms. [redacted] indicates that she spoke with St. Peter’s Hospital shortly after her accounts were placed with Credit Systems for collections asking that they be pulled from collections.  Credit Systems is unable to comment on any conversations Ms. [redacted] may have had with St. Peter’s Hospital as we do not have direct access to their records.  It is not their normal practice to pull accounts from collections after they have been placed.  Ms. [redacted] suggests that she has requested an itemization of her collection account.  Credit Systems does not have record of such a request from Ms. [redacted].  Ms. [redacted] collection account was turned to Credit Systems on July 1, 2013 in the amount of $5,811.39.  On this date the collection account began accruing interest at a rate of ten percent (10%) annually in accordance with Montana State law.  The interest is calculated against the owing principle balance and compounded daily, meaning that a small amount of interest is added to the total balance owing every day.  There has been a total of $1,250.00 paid to Credit Systems through September 25, 2015 for this collection account.  All of that amount paid has applied towards the principle balance of the account, which is currently $4,561.39.  There is $1,300.34 owing in interest and, as of January 11, 2016, Ms. [redacted] collection account balance totals $5,861.73.   Ms. [redacted] provides that they are not making progress on paying their bill and that our suggestion for automatic payments in order to stop interest is not an option for them due to irregular paydays for her husband.  As can be seen above, the payments have been applied towards the principle balance only, and, therefore, their balance is being resolved.  With a principle balance this large, and interest accruing against that balance, the payments they have made over this two year period did not overtake the amount accrued in interest.   Ms. [redacted] is correct in that we offer automatic payments as an option for Credit Systems to agree to stop further interest from accruing.  This option is not dedicated to individual days of the month, however.  Payments are, in fact, able to be scheduled to process on any days provided by the consumer.  This means that Ms. [redacted] would be able to schedule when the payments would process, even if that was to be different days for each month.  Ms. [redacted] indicates she attempted to reach a settlement amount with Credit Systems in order to resolve her collection account.  Credit Systems does not have record of any offers placed by Ms. [redacted] to resolve her collection balance.  Her husband, [redacted], discussed the settlement process as well as asked for guidelines on how to approach this process, but did not make a firm offer that we would have been able to review.  Ms. [redacted] also points out that this account is reflected as bad debt on Mr. [redacted] credit file.  This is correct.  Credit Systems is a collection agency and this account is an unpaid, bad debt balance.  The account will update as a paid in full balance when the balance is indeed paid in full.   If Ms. [redacted] has any other questions regarding her account, she may contact our office at [redacted] or by mail at [redacted]  [redacted].   Thank you,  [redacted] Collection Department Supervisor Centron Services, Inc. d/b/a Credit Systems The highlighted and underlined areas are to correct your mistake [redacted]. In my statement I told you I tried getting a hold of someone higher up a supervisor a superior of some sort to DISCUSS/TALK ABOUT A SETTLEMENT AMOUNT.....your reply accuses me of trying to reach a settlement amount and you do not have any offers placed by me to resolve my balance, that is because I never reached someone to just start talking about a settlement amount all they could tell me was that their superior is not available, check your recorded phone lines and you will see that I am right on all of our conversations. Also I was doing the math on which Credit Systems claims I have paid into and when it got SOLD to them or turned over, and the MATH DOES NOT ADD UP!!!! ALSO I am going back through ALL BANK STATEMENTS and printing them off for documentation of CORRECT AMOUNTS PAID AND DATES. I am waiting for St Peters to send me documentation on the bill that they SOLD you or "turned over to you" is what I was told by Credit systems on the phone, waiting for paper work from them. I was deceived into thinking I am obligated to paying Credit Systems of Helena, I have no contract with my signature due to them being a third party debt collector, under the F.O.I.A. & Bill of Rights I have a right to know what Credit Systems paid for this bill and or what they are collecting on this account. Does any one at Credit Systems have FIRST HAND KNOWLEDGE of the account and if it is real and true and IF SO Credit Systems needs to fill out an AFFIDAVIT and SWORN LETTER, what fees and interest you are charging me. This is upsetting, and I am well aware of my rights and the rights that debt collectors have to abide by. This is fraudulent, defamation of character, we have mental anguish, and my husbands credit scores have suffered because of this, and we have suffered tremendously. I am also getting in touch with an attorny. Thank you so much for your response, it is greatly appreciated.
Regards,
[redacted]

Review: Our son got RSV when he was only about 3 months old, we took him to Saint Peters Hospital in Helena, MT. We starting paying on the amount owed which was somewhere around $6000. What little payments we could make we were still making them. It was only 30 days late and St. Peters assigned or sold our debt to Credit Systems in Helena, MT within a couple of months of paying on it with St. Peters. We got a letter in the mail from Credit Systems telling us our debt was overdue and was now turned over to them and they will be collecting the debt...I called St. Peters to try and resolve the issue and asked them to please turn it back over to the hospital my husband was laid off and we were doing the best we could on the payments, the lady I talked to through the hospital WOULD NOT let me speak with a manager of some sort because she assured me that the manager would NOT okay this, and that the manager was no where to be found, so it was a "lost cause". So we started paying Credit Systems of Helena in 2012 (which is the same year my son got sick and we started making payments to the ORIGINAL Creditor St. Peters Hospital, then they turned us over or sold the debt to Credit Systems) we could only afford about $50 payments at the time some months were harder than others and we did $25 payments...every time we would get the statement the Amount Due would NEVER read any different! So I called in and asked why this is, the first person told me if was the interest being charged, if I wanted to see a difference in my bill and have it dwindle I needed to make the REQUIRED amount to pay which she told me was $75, I said ma'am we don't have that much to spare for a payment with my husband being laid off and such, she said well that's what needs to happen so can't do anything about that. So we keep paying basically beating a dead horse with the payment never making a difference in the amount due. I called again asking if there is anything they can help me with to try to make my $50 go toward to amount due to try to make this amount go down, well we can set up an automatic withdraw on your bank account so we can just take the payments every month and it can stay $50...I said yeah that would be great if my husbands paychecks fell on the exact same day every time but THEY DON'T, they didn't understand what the big deal was so I broke it down for them...okay if you guys take my $50 payment out on say the 12 day of every month and some months my husbands paycheck falls several days after that...that is a $28 fee EVERYDAY until another check comes in so I CAN NOT DO THAT due to the way his checks fall!!! Well sorry but that's the only choice. Okay...so we keep paying on it and I call again asking if I can talk to someone higher up about some sort of settlement...well my supervisor isn't here right now but I can tell you right now that the best we can do is come off the bill about 10%.............oh WOW okay so my $5800 amount due to you I will be able to take off $580, thanks for nothing....anyways I kept demanding I speak with a superior but NO ONE could ever get me in touch with someone, "they aren't here, lunch break, gone today" were always all the excuses I would get but they always could speak for them saying "I know they would settle for nothing less than this and this amount". So we keep on paying, we have basically been paying on this bill for close to 4 years and not a penny or dime or dollar has gone down. I called another time to ask for an itemized bill, "we can't send that to you" WHAT?????!!!!! I can't have an itemized bill on what I have paid on for 4 years of my payment history and all the hidden fees and interest?....She insists she can't send me something like this but what she can do is send me a letter telling me what all has been paid toward principle. We keep paying on it and finally My husband and I decided to just stop payment completely no one wanted to help us out of work with our budget and boundaries, so we didn't make a payment that month and finally someone calls me from Credit Systems of Helena and asks how do you want to make your payment today, I told her I am done paying on this bill since I never talk to a superior no one can help me with trying to get information or settlements, every ones story is different, and all my payments are not lowering my bill...the lady stuttered and said excuse me?...I'm not sure what you mean ma'am. I said no one can let me talk to someone higher up I've been told so many different things as far as rules and what goes and what doesn't go, and I told her how my $50 payment isn't even going to my bill it is all going to interest...she told me Ma'am I don't know where you are getting your information from but our interest is only $7.50 so I'm not sure where you are getting your numbers from but you are wrong on that part....that's all she, and then she said that her manager was actually just walking passed her office and she can get him on the phone right now. I just found it funny that all of a sudden now I can FINALLY talk to someone higher up. Also they have reported this collection to my husbands credit and has ruined it for all these years, and we have struggled to try to make this bill payment and to get it to lower. Trying to get our own business going and due to report on his credit from this collection agency it has been very difficult and we have suffered from this. So now I will take legal action.Desired Settlement: Correction to credit report and suffering, correction to bill and letter that says PAID IN FULL, getting refunded of what was over paid, and refunding on our suffering over the past couple of years.

Business

Response:

Thank you for this opportunity to assist Ms. [redacted] in

clarification on her collection account.

Ms. [redacted] indicates that she spoke with St. Peter’s

Hospital shortly after her accounts were placed with Credit Systems for

collections asking that they be pulled from collections. Credit Systems is unable to comment on any

conversations Ms. [redacted] may have had with St. Peter’s Hospital as we do not

have direct access to their records. It

is not their normal practice to pull accounts from collections after they have

been placed.

Ms. [redacted] suggests that she has requested an itemization

of her collection account. Credit

Systems does not have record of such a request from Ms. [redacted]. Ms. [redacted] collection account was turned to

Credit Systems on July 1, 2013 in the amount of $5,811.39. On this date the collection account began

accruing interest at a rate of ten percent (10%) annually in accordance with

Montana State law. The interest is calculated

against the owing principle balance and compounded daily, meaning that a small

amount of interest is added to the total balance owing every day. There has been a total of $1,250.00 paid to

Credit Systems through September 25, 2015 for this collection account. All of that amount paid has applied towards

the principle balance of the account, which is currently $4,561.39. There is $1,300.34 owing in interest and, as

of January 11, 2016, Ms. [redacted] collection account balance totals

$5,861.73.

Ms. [redacted] provides that they are not making progress on paying

their bill and that our suggestion for automatic payments in order to stop

interest is not an option for them due to irregular paydays for her

husband. As can be seen above, the

payments have been applied towards the principle balance only, and, therefore,

their balance is being resolved. With a principle

balance this large, and interest accruing against that balance, the payments

they have made over this two year period did not overtake the amount accrued in

interest.

Ms. [redacted] is correct in that we offer automatic payments

as an option for Credit Systems to agree to stop further interest from

accruing. This option is not dedicated

to individual days of the month, however.

Payments are, in fact, able to be scheduled to process on any days provided

by the consumer. This means that Ms.

[redacted] would be able to schedule when the payments would process, even if that

was to be different days for each month.

Ms. [redacted] indicates she attempted to reach a settlement

amount with Credit Systems in order to resolve her collection account. Credit Systems does not have record of any

offers placed by Ms. [redacted] to resolve her collection balance. Her husband, [redacted], discussed the

settlement process as well as asked for guidelines on how to approach this process,

but did not make a firm offer that we would have been able to review.

Ms. [redacted] also points out that this account is reflected

as bad debt on Mr. [redacted] credit file.

This is correct. Credit Systems

is a collection agency and this account is an unpaid, bad debt balance. The account will update as a paid in full

balance when the balance is indeed paid in full. If Ms. [redacted] has any other questions regarding her

account, she may contact our office at [redacted] or by mail at [redacted].

Thank you,

Collection Department Supervisor

Centron Services, Inc. d/b/a Credit Systems

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received, your complaint will be closed Administratively Resolved]

Revdex.com,

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

Review: I have a paid collection account listed on my credit reports from your company and after reviewing my credit report I noticed the date of last payment is listed as 12/06/2015 and this is incorrect information. There may be other incorrect information in the listing. Under the circumstances I ask that the entire account be deleted from my credit reports.Desired Settlement: The entire account be removed from all three credit bureaus

Business

Response:

Thank you for this opportunity to assist Mr. [redacted] in

this matter.

Mr. [redacted] is disputing the date by which his collection

account with Credit Systems was paid in full and requesting that this item be

removed from his credit file based on the suggested error.

Credit Systems has reviewed Mr. [redacted]’s collection

account. The account was placed for

collections on February 15, 2011 in the amount of $321.11 from Big Sky Western

Bank.

Mr. [redacted] paid his account through three payments

beginning in April of 2015, the last of which processed and posted on June 12,

2015.

Mr. [redacted] has disputed the item on his credit file three

times to date. The first was filed on

June 17, 2015 through Equifax reflecting that the account was paid in

full. Our credit reporting personnel

responded to this dispute confirming the account was paid in full.

Credit Systems submitted an electronic request for his

credit file to update his collection account as paid in full on July 9, 2015. This is something that is automatically

processed by our collection software.

Mr. [redacted] subsequently disputed the account through TransUnion

on August 31, 2015 suggesting that he was not liable for the account. Credit Systems responded to this dispute on

the same day reflecting that it was a valid collection account and verified the

paid in full status.

Mr. [redacted] submitted another dispute through Equifax on

September 16, 2015 suggesting that Credit Systems agreed to remove the account

from his credit file due to the account being paid in full. Credit Systems does not participate in credit

bartering; that is to say that we do not agree to remove items from consumer

credit files in exchange for payment.

Our credit reporting personnel responded to his dispute as such on the

same day.

Credit Systems cannot comment on the date Mr. [redacted]

references in his complaint as we do not have access to view his credit file and,

as such, can only base dates on what is reflected in our system. Mr. [redacted] is welcome to submit a copy of his

credit reports from Equifax and TransUnion to us so that we may review for any

errors in the data and assist him in clarifying the information.

We apologize for any confusion this matter has caused Mr.

[redacted] and encourage him to contact our office if he has any further questions.

Thank you,

Centron Services, Inc. d/b/a Credit Systems

No matter who I deal with from this company they are rude. They also call me multiple times a day, and fill my mailbox with letters. The reps I have dealt with do not even know the state laws of harassment and payment denial.

Review: I have a no contact letter on file with this company. They continue to violate federal law by contacting me and I would like them to stop.Desired Settlement: I would like them to completely stop contacting me.

Business

Response:

Mr. [redacted],

Thank you for bringing this complaint to my attention. I have reviewed her complaint and our records in regards to this matter.

I agree with Ms. [redacted] that we have received a cease and desist letter from her in the past. However, we have not received a cease and desist letter for her collection accounts listed in October 2013. The last correspondence received from Ms. [redacted] by our office or our attorney's office was in July 2013. A cease and desist is specific to accounts actively listed in collections. It is not applicable to future collection accounts.

I have noted the file that Ms. [redacted] does not want contact from us on the accounts we currently have listed in collections.

Sincerely

Collection Manager

Woman on the phone is rude every time I try to deal with her. She asked for my pay stubs. I sent them to her the day she asked. She then waits 3 months to tell me they were past the 30 day limit. If past the limit, why would you ask for them? Now she claims we will have late fees. I did everything she asked of me and she is making up lies. I am willing to work with anyone but her at this point. Her name is Sarah Frank.

They called my father-in-law at 7 am this morning waking up my young children and my husband who works the night shift..... Thought there were laws against that.

Review: Centron Systems (DBA Credit Systems), a collection agency has been trying to collect a debt from us on behalf of [redacted]. This debt is contractual obligation of [redacted]. Centron Systems were notified of this several times, but have refused to contact the originator of the debt and instead put it on our credit history. The party who is responsible for the debt, and has paid the debt, has provided us with a letter stating the same. Centron refused to provide the correct contact with [redacted] so I can have [redacted] correct the billing saying that all they will give me is the address. This meant that despite leaving messages with [redacted] they weren't responded to because it was always the wrong person. Centron has refused to act on this information when it was provided to them orally, demanding that I prove to them in writing that the obligation wasn't mine. This means that I would have to provide Centron with copies of contract between the [redacted], and the [redacted] of which I am not a party to, and do not have access. Forcing me to prove a negative while refusing to provide the back up for the debt is wrong. I have had meeting with the [redacted] to resolve this matter, and I have provided Centron with their statement , but they seem uninterested in correcting the matter. This is the third time that I have had trouble with the collections group, last time it was with their Great Fall's office, demanding I pay a hospital bill that was the obligation of [redacted], and because the hospital had made mistakes in billing [redacted]. The entire time Centron was coming after me. Despite being provided documentation by the State of California that the debt was not mine. This was finally resolved between the hospital and the State of California after I spent trmendous time tring to get Centron to tell me who was the contDesired Settlement: Written apology for wasting my time and having to prove that some else owes the bill. I would like to be paid their fee on this collection as I did all the work for them not only getting it paid but getting the right person to pay the bill. As this a pattern of behavior, It needs to stop they need to at least listen to the alleged debtor so they can go after the right party. I have contacted the President of the Company but he has not responded.

Business

Response:

Dear Mr. [redacted],

Thank you for bringing this complaint to my attention

On August 30, 2013 Mr. [redacted] submitted a dispute letter to our office. During the holiday weekend is when this complaint was filed with your office. Since then we have processed the dispute letter and were able to determine he was not responsible for the account. Mr. [redacted] has also spoken with the President of our company.

We have put in a request to have the tradeline removed from his credit file. The matter is closed in our office.

Sincerely

[redacted] Collection Manager.

Consumer

Response:

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

Called this business regarding a service charged disguised as as a bill put into collection by [redacted] in Kalispell, Mt. When we asked one of the employees that answered the phone about the bill he was very rude telling my wife you just owe it and you need to pay with no explanation, when she handed me the phone to try and get an answer the employee hang up on me. This is a 53.00 bill for services for the collection company. Spoke with the owner trying to get an explanation and if he could look into, he said he would then 1 day later reported to the credit bureau as in collections. If this is in retaliation against a person trying to just pay their bills it should be a crime.