Choice Recovery

On February 5, I contacted the billing center or [redacted] Medical centerI provided them with my Social Security Number and they DID NOT have an open collection account or any other accounts sent to Choice Recovery besides the bills submitted to them in for collectionAgain these bills were discharged in my chapter bankruptcyAlso the account numbers referenced by Choice Recovery were not accessable in [redacted] Billing systemAlso Trans Union removed the debt and restored my pointsThis company has fraudulent business practises and should be fined l!

Please provide more information so we may locate [redacted] 's account Please provide the last four of [redacted] 's social security number, date of birth, the original creditor, and/or the previous addresses

We attempted to make contact with Ms [redacted] times in and We spoke to Ms [redacted] directly on 06/05/where she provided insurance information for the rebill After insurance paid, we sent two further statements to the consumer and made two additional calls to try to inform her of the payment All attempts went unanswered.We are attempting to validate this balance with our client, [redacted] ER Consultants Once we have information back from our client, we will respond to the dispute

A validation notice was sent to Ms [redacted] on October 13, for [redacted] Limited and May 17, for Dental Care of Winchester All accounts have been validated The credit bureaus have been notified Ms [redacted] is disputing the accounts Disputes directly to the credit bureaus do not require a written response from Choice Recovery I am happy to send out a medical release if she is seeking an itemization of charges

After speaking with ***, I clarified a few times what I would need to do by reaching out to the medical companyHer 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 wrongThis information will be emailed over this coming week and we'd like the delinquency removed from the account beause of the error on their partIt was only paid to clear up things and move onAny refunds we will work out with the medical company

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 wasAnything can be documented via a note, but there is nothing to back it up What address were these invoices mailed to? Why were collections not pursued in 2013, 2014, 2015? Was an update sent to the credit bureau(s) at the end of July as I was promised? Regards, [redacted] ***

This account originated with our client, [redacted] The service provided on June 4, 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

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

I have submitted the attached documents to Choice Recovery and still state that the debt their organization shows as outstanding by me is Not Valid The amount stated that I owe is inaccurate and I’m therefor disputing the placement of this debt with their organization.I have and continue to be more than happy to meet my financial obligation, and settle this medical bill Because of the incomplete claims submission efforts and the incorrect patient balance, I am requesting removal of this debt from my credit report for all major Credit Report Agencies via e-OscarI will then gladly pay my correct remaining balance Regards, [redacted] ***

We apologize Mr*** does not feel he was made aware of this account in collections Notices were sent to the address he provided in this complaint on January 31, 2017, March 3, and then April 27, We attempted to call the number listed in this complaint several times between January 31, and April 26, The account was validated through his online dispute on November 2, If MrDean has additional information he would like to provide so we may investigate his dispute again, he is encouraged to provide the information directly to Choice Recovery

We have contacted our client to process the consumer's dispute We will follow up with more information and proof of debt within days

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 years, and also as to why I was told they have no control over what my credit report tells meTHEY are the ones reporting the information! Regards, [redacted]

The collection fee was signed for in the dental office by [redacted] *** Please see the attached document The collection fee is an agreement between the consumer and our client, [redacted] of Round Lake Beach Paragraph of the financial agreement states "Please Note: Returned checks will be subject to additional fees In the case it becomes necessary for our office to enlist a collection service and/or legal assistance you will be responsible for any collection and/or legal charges up to 35%." Choice Recovery does not directly charge the consumer a fee as stated in the complaint.This account was placed with Choice Recovery on July 3, Payment was reported by our client on July 17, If Mr [redacted] can provide proof this was paid before July 3, 2017, we will reach out to our client to review

The account has been validated by our client, [redacted] , and remains unpaid Choice Recovery, Incdoes not "Re-Date" accounts Monthly updates are sent to the credit bureaus confirming the account is still outstanding Should Mr [redacted] need clarification on his credit report, we encourage him to seek the credit bureaus directly or a credit professional.We are more than happy to set up a payment arrangement to resolve Mr***'s debt should he call our office

This account is showing as paid in full as of 01/15/ We have requested a letter be sent to the consumer to state this is paid in full

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 somethingThis agency has crossed the line at this pointUnfortunately I will have to move above the Revdex.comThese papers do prove to me though that these should have been paid by my insurance and I will continue to fight this

We have sent the validation of account with the financial liability form stating Ms [redacted] is responsible for the collection fee We are unable to give Ms [redacted] an explanation of what is on her credit report, only what is due to our client We do not pull consumer credit reports.We encourage the consumer to call our office to resolve the account.If the Revdex.com feels we can be of further assistance, please contact us

Notices were sent to the consumer by Choice Recovery (formerly known as FFCC-Columbus) on 11/5/and 12/3/with no response We spoke to a man who verified he was the consumer on 12/17/The original creditor sent statements to the consumer at the address he provided at his time of service We have verified all information on the account as accurate and valid We have sent notification of the verification to the consumer's home address This includes a medical release which the consumer can return to us for an itemized statement of charges

We are attempting to validate your debt with the creditor The original creditor was [redacted] The current holder of the debt is [redacted] *** Once we have more information from [redacted] ***, we will follow up by US Mail.Should Ms [redacted] have further questions, please feel free to contact our office

Please provide us with the person you spoke to on the 11th and the number which you called from We will review the recorded conversation once you provide this information