Choice Recovery, Inc.

I am rejecting this response because:
This really doesn't tell me much, and I find it hard to believe a collections/recovery business doesn't have a copy of what was mailed, only notes saying it was. Anything can be documented via a note, but there is nothing to back it up.
1. What address were these invoices mailed to?
2. Why were collections not pursued in 2013, 2014, 2015?
3. Was an update sent to the credit bureau(s) at the end of July as I was promised?
Regards,
[redacted]

The itemization of charges sent to the consumer had all charges and payments as related to the balance due.  If [redacted] would like a copy of the explanation of benefits, she will need to obtain this from her insurance company.  The explanation of benefits will show each service with the allowed/write-off amount and amount paid to the service provided.  Please call [redacted] with the number located on the insurance card for further explanation.  Choice Recovery has met the guidelines of validating the debt and providing an itemization of services for the consumer.

Yes I did check those boxes but it made it seem like it would be my billing transactions or payment information putting my diagnosis could have been redacted, whited out or something. This agency has crossed the line at this point. Unfortunately I will have to move above the Revdex.com. These papers do prove to me though that these should have been paid by my insurance and I will continue to fight this.

I am rejecting this response because: When I first started to pay the accounts off, I was told that they would delete them.

We have reviewed the calls with the consumer for coaching opportunities.Our client has placed the account on hold from collection activity while researching the consumer's concerns and billing the updated insurance information.  This process can take up to 90 days for a response from...

insurance.Once our client has a final determination and explanation of benefits from the insurance company we will reopen the account should the patient have any remaining balance.Should the consumer have further questions, please contact us.

Choice recovery advertises that their company works with people who have had a hard time from becoming insolvent. It is apparent that .Choice recovery does not care about the people they collect from, only if they pay or not. I wish this company would not use false advertising and market themselves...

for what they are. If you''re agency cannot forgive and stop reporting a debt that was originally caused because of a chronic illness and was only $54 and is now paid, then caustic to the people you try and collect from not helpful.

That is not true. There were lots of payments I made that didn't show up on the bill you sent me. I asked for a total itemized statement of the money I paid directly to the pain doctor.
Regards,
[redacted]

We are sorry Mr. [redacted] is under the impression we did not try to help him.  All information he is talking about is protected by HIPAA and would need a medical release signed to obtain.  We are happy he is getting the information he needed from the original provider.  As stated before, we will requested the credit bureaus to delete the account if it not the consumer's debt to pay.

Complaint:
I am rejecting this response because:
This is how incompetent this company is I didn't say it was an internet bill if you read what I wrote. I wrote my internet bill is higher than that $37 dollars they claim I defaulted on. Anyone with common sense will realize what I meant was I wouldn't have a problem paying the amount if I was billed by the original company or the collection agency apparently must be a mistake on their part I can't see a medical service that charges $37 tell me if you disagree very unprofessional and unethical business practices. Their word apparently means always true the consumer is always wrong. Totally unacceptable. 
Regards,
[redacted]

Choice Recovery has requested a statement be sent to [redacted] for the balance she would like to pay on.  Our accounting system doesn't have a function to print a statement for each payment as it was applied to her account after the payments have been adjusted.  I cannot meet this request.Though your service location may be out of business for the [redacted], the amount is still due.  We understand [redacted] does not wish for any of her payments to be applied to this invoice.  All payments will be directed to the [redacted] balance until this balance is paid in full.We will coach our consultant as to using  the word "legal" for a reason she couldn't send the letter.

This account originated with our client, [redacted].  The service provided on June 4, 2013 was completed at [redacted].  [redacted] are the doctors portion of this visit.  If Mr. [redacted] would like to resolve this balance, we are happy to...

work with him on a payment arrangement.

This doesn't say anything as to why the reported incorrectly  (amounts) to my credit report and as to why they have done NOTHING for almost 2 years, and also as to why I was told...

they have no control over what my credit report tells me... THEY are the ones reporting the information!
Regards,
[redacted]

After speaking with [redacted], I clarified a few times what I would need to do by reaching out to the medical company. Her negligence of mentioning such is unnecessary, especially considering all calls are recorded! I have reached out to the medical company, received conformation that they established a quote (signed), and they are sending it over, verifying that there is a dispute underway because they coded things wrong. This information will be emailed over this coming week and we'd like the delinquency removed from the account beause of the error on their part. It was only paid to clear up things and move on. Any refunds we will work out with the medical company.

This is not MY debt, I have never Ever been to a [redacted] and I can go there if necessary, I don't need any building supplies and I have never owned a home. I am positive that there is more than one [redacted] in [redacted] because  I've had to return their tag to the county.  I feel that in contacting the Revdex.com that I am letting you know this is not a valid debt (in writing) now and you need to find the correct person. What I will not do is provide my personal information for any company to steal it.  I suggest you send the mail to that person's last address because it is not mine. I am sure they know exactly who it is because they sell building supplies which had to go to a specific location. So please know that this is NOT VALID for me but may be for somebody else, I will seek my own legal counsel if I am contacted again and threatened about my credit. I do not feel its my responsibility to prove this to your company because the debt does not belong to me. So please, do not contact me regarding this bill and find the right person.  Its your job to find the person not mine. I pay my bills and refuse to have my credit affected by this. Please contact the right person. Why should I be explaining this bill that is not mine. Also, Its very unfair for any company to threaten a person because they may have the same name which may I add is a very common name. Now you know it is not VALID.
Regards, [redacted]

Choice Recovery has sent the consumer two letters to the address listed on this complaint/dispute.  We have record of one incoming call where a voicemail was left for a return call.  This call was returned within in minutes of hearing the voicemail with no answer.At this time, the amount...

is due in full.  If the consumer can show proof this debt is not his responsibility, we will be happy to review again.

As of yet, I have not received any paper work or signed copies from the choice recovery. They had stated that I had signed the payment agreement with the [redacted] regarding 20%+ interest of unpaid total balance if the account is transferred to the collection agency. I did not sign such agreement. Again, I had requested copies of the signed agreement for multiple times and the choice recovery is not sending me the copies. The Revdex.com at the Ohio branch said, they had received bunch of copies of signed agreement. If so, could you please send me the copies via email. I believe either the [redacted] of the Round Lake or the Choice Recovery has falsified my signature and the initial. I am asking the Revdex.com for couple times too. Please send me the copies of the signed agreement that the choice recovery had sent you so I can verify them.

We will be happy to review your dispute.  Please provide us more information so we can locate the account you are disputing.  Who is the original creditor?  What is the amount due?

I apologize the consultant used improper wording when discussing your request for removal.  We have continuous training to avoid these types of mistakes and have coached this consultant based on your conversation with him.We do not offer any type of a "pay-to-delete" program.  We cannot...

meet your request for deletion based on the information provided.Choice Recovery will update the credit reporting agencies with any payments you make on the account.  Should the Revdex.com have further questions please feel free to contact us.

I don't keep anything like this. I had to move in with my parents because my health didn't allow me to live alone. I have proof of insurance and SO DOES [redacted] that I can send over. 
Regards,
[redacted]

I simply refuse to accept this response.  The collections' agency perspective is obtuse and sounds unintelligent; and it worries me that you follow their sentiments.  It sounds unprofessional for the collection agency to take the word from a doctor's billing agency and ignore my level of integrity in preparing a detailed response that clearly demonstrates timelines, pertinent details, and gross negligence. Its obvious that you as the Revdex.com are on their side and will not support the consumers request.  I have already forwarded the complaint to the FTC and am contemplating taking this to a Small Claims Court to seek a judgment against the doctor and the collections agency.
Regards, [redacted]











10/14/2016






Complaint

The company stated it was illegal to delete the account according to the Fair Credit Reporting Act and that statement in itself, is actually a violation of the Fair Credit Reporting Act. I am asking for monetary damages due to time and effort spent on this. I was never legally properly informed that...

this was going to be added to my credit report.







Desired Resolution

I am asking that this be deleted off my credit report as soon as possible.

Consumer Business Dialog