Collection Bureau of Hudson Valley Inc.

We received *** ***'s account for collection from *** *** on 6/**/12. We did not purchase this debt - we are collecting on behalf of *** ***. *** ***'s payment was posted to her account 9/**/14. We remit payments to *** *** on the *** of the month and
the last business day of the month. In addition, our Client Services Department has contacted *** *** to make sure *** ***'s account balance is updated in order for *** *** to update the account with the credit bureaus
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Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me and the matter has been resolved
Sincerely,
*** ***

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 and the matter has been resolved.
Sincerely,
[redacted]

This bill is not an ambulance bill.  Tristate Emergency Physicians are the physicians who treat patients in the Emergency Department, and their bill is separate from the hospital’s charges.  Charity Care only applies to the hospital charges, however these physicians offer a 25% discount if the balance is paid in 1 payment.   This would bring your bill down to $492.

We have on several occasions tried to mail this consumer the requested information.  When we mail correspondence to the address on this complaint, the address gets updated  by NCOA to different address.  The mail sent to the NCOA provided address then gets returned to us...

as “undeliverable as addressed”. There is no way for us to bypass the NCOA, so the consumer would need to update his information with the postal service or provide another way for us to communicate with him.   If the consumer would like, we can fax or email (a personal, not work email address) the requested information. 
Please advise how you would like us to proceed.
Thank you.

We would like this consumer to contact our office and re-authorize payments on this account.  We will review all dates and amounts and re-affirm her authorization for automatic monthly payments.  We look forward to assisting this consumer in resolving her account.

Review: collection agency has a bogus account on my credit report for $276 account number [redacted] ,supposedly a medical bill,I have had insurance my whole life,this is not my bill,I have sent debt validation letter with no response,and also disputed this with the credit reportng agency with no resolution,as a wartime veteran I cannot believe how certain companies conduct business in this country that I fought to defend.Desired Settlement: remove this from my credit report please

Business

Response:

RE: CBHV Reference #[redacted]

After pulling my credit report I found a collection by this company for a bill from [redacted] Cable. This was for renters that were in my property but the cable was in my name. When I called to disconnect the service I paid the outstanding balance (nothing was past due because it had always been on automatic withdrawal). The renters were supposed to return the cable box but apparently never did and apparently [redacted] failed to disconnect when I called in the order. The property is in [redacted] and I live in [redacted] so I had no way of knowing this had not been done. [redacted] never informed me that a balance was still due or that the equipment had not been returned. If they mailed anything at all it was to the [redacted] property even though the billing was supposed to be sent to [redacted] address. When I found the collection I offered to pay this provided it was removed from my credit report but CBHV refuses to remove this item and will only show a 0 balance. I was NEVER informed of the original debt by anyone and have never had any notification from anyone that the debt was outstanding. This is the only negative item on my credit report and it is ridiculous that these people can get away with it.

Review: CBHV is trying to collect a debt for a medical group out of network on my insurance for a check I never received,failure to provide documentation and forwarded said debt while still trying to collect debt to another collection agency.CBHV never verified initial debt or said check to validate actual debt. Regard[redacted]Desired Settlement: Want proof of any debt incurred.Proof of deposited check and or payment by insurance company to myself.

Business

Response:

Dear Mediator:

We are in receipt of the above referenced complaint. We have obtained a copy of the billing statement from our client, Sleep Anesthesia Associates, and it is being forwarded it to [redacted]. Our client placed the account with us on 7/**/13 to collect the balance owed for services provided to [redacted]. Since they are an out of network provider with [redacted]'s

insurance, insurance payments made on the claim were sent directly to the policyholder ([redacted]). Sleep Anesthesia Associates would have no copies of cashed insurance checks. [redacted] would have to request that directly

from his insurance company, since he is the policyholder.

Our office has had no contact with [redacted], and has never received a request from him for verification of this debt.

As previously stated, an invoice from our client is being sent to [redacted] today. We trust the information provided in the invoice will provide all the information necessary for [redacted] to contact his insurance company

with any questions he has regarding how the claim was processed.

Sincerely,

Review: I have been sick and visited doctor, the insurance was suppose to cover the bill, but some how it fell through cracks. I moved and found out later. I have paid the bill in full but the collection agency is not fulfilling it's commitment. They have failed to completely remove the collections from the three Credit Reporting Agnecy (Experian, Transunion, and Equifax). Because of that the account continuously showed up on my credit history and drops my credit score significantly from otherwise excellent history. I have asked them to please make a request to completely delete from the three agencies, but they have been indifferent to my legitimate requests. It is also a violation of my HIPPA compliant act. My account reference number: [redacted], and my mailing address: [redacted]0.Desired Settlement: They must send a separate letter to each Credit Reporting Agency Viz., Experian, Equifax, and Transunion to delete the collections notice completely from their respective credit history records, and then mail me an acknowledgement. Thanks.

Business

Response:

Our agreement with the Credit Bureaus directs us to update $0 balance accounts as Paid In Full on the consumer's credit report. Due to the circumstances of this account, we have honored [redacted]'s request and instructed the credit bureaus to delete the entry regarding this account.

We trust this resolution will prove satisfactory to the consumer.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: While going through my credit reports I noticed this company had a collection in my report. It is [redacted] the amount of $1391 to [redacted]. I have disputed this many times and no response. I have mail out a validation letter to the company as well that they should have just received. This company needs to delete this account from my report as it is not mine. If this does not resolve it then I am going to file a complaint with the ftc.Desired Settlement: I want this account deleted from my credit report

Business

Response:

On 7/**/13 we received [redacted]'s FDCPA request for validation. We requested the information from our client, NBT Bank, and received it today. We are forwarding the information to [redacted] today.

We have updated the items on his credit report to reflect [redacted]'s dispute.

We trust this information proves sufficient. Should you require additional information regarding this complaint, please do not hesitate to

contact us.

Sincerely,

Review: I contacted collection bureau of Hudson valley inc.. when I tried to explain that the account filed under my credit bureau was incorrect. they would not give me information on the acct. [redacted] login was very rude and un cooperative when it came to giving me information. my concern was that this may be fraud and I needed the companies name and the person on file information so that I could file a police report and the company in dispute. all of a sudden she was tight lipped with no information to give me. she would only say that I should contact the credit bureaus. my main concern was identity theft. In this matter they were no help to help me resolve the fraud. they seem to be a scare to give me information as if they had committed an error on their part and wanted to just get rid of me without giving me any information at this point. when I would ask for the address on file she said she didn't have it. Which was false because no collection company takes on as account without all the persons information so that they can collect. how dumb can she be to insult my intelligence. this company is a fraud its amazing how this company put out false information ruining my credit and then would not take responsibility to help the innocent in this case me.Desired Settlement: I need them to take me off the credit bureau so that my credit score is not affected by their error. I would like some kind of recourse. these companies are allowed to ruin your credit without any type of penalty and that is just not fair to me and any other person caught in this mess.

Business

Response:

We were unable to give to [redacted] the information we had because we would have been disclosing a consumer's information to a third party. We advised [redacted] to dispute the item via the credit bureau. The credit bureau sends us an electronic inquiry and we can then inform the credit bureau that [redacted]' s information does not match that of the consumer we have on file, and that the item should be deleted. As of July [redacted], we have advised the credit bureaus that the limited information provided to us by [redacted] does not match the information for the consumer we have in our records. He should find that the account has been deleted from his credit report.

Review: Collection showed up on my credit report experian ,transunion and equifax for a medical bill from tristate emergency Physicians .I contacted them yesterday they would not give me contact information for the original creditor

they do not have any information except my name not even correct social security number ,not even correct birth date or address I know factually that I have never been contractually obligated to pay a debt with this company because I have never had an account or received services from them. Furthermore, I request that this company cease and desist in all collection activities and or reporting this fraudulent debt. At this point, I demand this accounts to be DELETED or I will not hesitate to consult with my LAWYER to take care of the matter because they continue to ruin my credit worthiness with no concern for me. If the account cannot be proven to be mine, it is against the law for you to report it. I am well aware of my rights. Govern yourselves accordingly [redacted]Desired Settlement: My desired outcome is to have this fraudulent account deleted from my credit report due to their negligence and error and I request the letter to be mailed to me at the address I provided to Revdex.com explaining me the deletion of the account

Business

Response:

We do not have an account for this consumer. We believe the credit bureaus have taken information we sent them for a different consumer and placed it on [redacted]'s credit report in error. We are unable to delete this item, because as [redacted] stated in his/her complaint, we don't have his/her full name, date of birth, or social security number. We cannot send the credit bureaus information we do not have to delete an account for a consumer we don't have an account for. The consumer must dispute the item with the Credit Bureaus. They will contact us electronically and ask us to confirm whether or not our information matches this consumer's information. We then advise the credit bureaus that it is not, in fact, the same consumer. The credit bureaus will then delete the account from this consumer's credit report. We generally respond to all credit bureaus inquiries received electronically within 1-2 busine ss days.

Review: this company keeps calling and asking for a person that does not live here,I don't even know the person.they say that they will stop calling,but still call and ask for the same person over and over again.Desired Settlement: I am reporting them because they have not stopped calling after they have been told several times that they have the wrong number.

Business

Response:

We apologize for any inconvenience Ms. [redacted] may have experienced and we will immediately stop calling her number if she would kindly tell us what number it is that we are calling in error. She can provide the number through the Revdex.com or contact me directly by phone at 1-[redacted] or by email[redacted] and I will have the number removed. Again, we regret any inconvenience Ms. Hirsch may have experienced in connection with a call from our office.

Sincerely,

Review: I have tried on multiple occasions over the past six months to make a payment to a medical bill that this agency has on me (account number [redacted]) and have been told (rudely, and on most occasions involved the person screaming unprofessionally) multiple times I the amount I wish to pay is "unreasonable" and that "they expect me to pay more." I have sent checks in via mail with my account number and a note enclosed that I wish to make a payment, and none of them have been cashed or returned.Desired Settlement: If this company is unwilling to take payments from me in an amount that I can reasonably pay, I would like the company to kick the bill back to the hospital so I may set up payments with them as I have done on my other medical bill through this hospital. I also request this be taken off my credit reports as I have tried, again, on multiple occasions to pay this before it was put on my report however was denied from being able to pay my bill.

Business

Response:

Our client, [redacted], placed this account with our office on 11/**/13. We sent 3 letters to [redacted] regarding this account and were unable to reach him by telephone. The account was not reported to the credit bureaus until 1/**/14. We had no contact with [redacted] until he contacted our office on 3/**/14 requesting a payment arrangement of $10/month. There have been no additional collection efforts on the account since that date.

We have noted [redacted]'s account that a $10/month payment plan is the best [redacted] can do. He can mail payments to our office or to the hospital if that is what he is more comfortable with. He will receive no additional phone calls or letters from our office.

If he would like to mail his payment here, our address is a follows:

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

I have tried to mail checks to this company as stated before, and they have not been cashed nor returned. I have again tried to make a payment via phone yesterday, 6/*/14, and was again screamed at and told the amount I am trying to pay is "unreasonable." I again ask if this company is unwilling to take my payment, no matter how "pretty" their response to my complaint is, that they kick the bill back to the hospital and take this off my credit report. I am not going to continue to attempt to make my payment only to be screamed at or have my checks held on to and then told "they were never received" even though I received the certified return letter stating they were signed for. These are terrible business practices, even for a collections agency.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Our office has no record of speaking with [redacted] since 3/**/14, and no record of receiving certified mail from him. Our client, [redacted], was using more than one collection agency. Perhaps [redacted] sent his correspondence and had recent conversations with the other agency representing [redacted]. We have noted [redacted]'s account that we will accept his $10 payments. No additional collection efforts have been or will be taken on [redacted]'s account.

Review: This is being reported to my credit report that I have a collection balance. I do not owe anything to TRISTATE EMERGENCY PHYSICIANS. I went through all my records and last time I was in the hospital was in 2012 and everything was covered. I did not go to emergency room in 2013 at all.I had Unitedhealthace,still do and my emergency is $200. I work for the hospital so Im sure if I had an emergency I'd just walk there without having to pay for my emergency fee which is not $656,please have this information remove from my credit report.Desired Settlement: Please have collection/negative information removed from my credit report.

Business

Response:

We have sent a request to the credit bureaus to update the status of this account to “Disputed” and have forwarded an itemized bill for the account in question to [redacted]. The charge is for the Emergency Room Physicians, which is separate from the Hospital charges.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

It cost $656 to have an ambulance carry me from my house to the hospital which is like 15minutes? The hospital covered the charges because I was not working and it was charity case and you still expect payment for 656?

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

This bill is not an ambulance bill. Tristate Emergency Physicians are the physicians who treat patients in the Emergency Department, and their bill is separate from the hospital’s charges. Charity Care only applies to the hospital charges, however these physicians offer a 25% discount if the balance is paid in 1 payment. This would bring your bill down to $492.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Please send the treatment records/camera footage of me being there because I don't understand how you can charge someone $656 for sitting in the emergency room.Was that for the chair I was sitting on or for the 3/4 hours I was waiting for someone to talk to me. Please advise. The balance does not belong to me,I have no payment arrangement to make with you.Thank you,[redacted]

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Review: I authorized a one time payment on a debt collection that this company was in charge of. I authorized a one time payment, they are proceeding to continue filing payments on this card that I have not authorized. my instructions were to contact me, but yet they continue to ignore my requests are now continuing to attempt to file chargesDesired Settlement: I want all overdraft fees collected plus the original payment.

Business

Response:

We have reviewed [redacted]' complaint and have also reviewed our quality assurance recording of our representative's conversation with [redacted] on 2/**/14. During that conversation, [redacted] authorized 2 payments of $112.07 each - one to be processed 2/**/14 and one to be processed on 2/**/14. The first payment processed as scheduled. The second payment scheduled for 2/**/14 was declined; therefore no overdraft charges would have been incurred.

No additional attempts have been made or will be made to charge [redacted]' card.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

I authorized one payment to be made. I did not authorize them to make any additional payments as I stated in my original complaint. I have incurred additional charges and I have also alerted the credit card company to this. They do not have my consent to charge and this was expressed to them as I agreed to one charge, not two. The card company has charged me fees in alerting them to the unauthorized charges.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

We have refunded [redacted]' card for the initial payment authorized in the amount of $112.07. We have not received any documents to show how his declined transaction of 2/[redacted]/14 caused any overdraft fees to [redacted]' account.

Review: I have paid this company in full on behalf of the [redacted]. I got a letter via mail stating that balance is paid in full but the [redacted] is still showing a balance & has reported to all 3 credit bureaus that the balance still exist. My credit score dropped 57 pts on yesterday because the collection company has failed to notify the [redacted]. I talked an [redacted] for the [redacted] and discovered that the account has been SOLD to Hudson Valley. It's Hudson's Valley job to report account has been paid in full on behalf of the [redacted] to ALL 3 major credit bureaus. I even submitted the letter from Hudson to all 3 bureaus & the [redacted] reported back to the Credit bureaus that I STILL OWE them the amount. I don't know what's going on but I have been done in & I did like they asked me too.Desired Settlement: I am asking for removal of the [redacted] from all 3 credit bureaus since I have paid in FULL to Credit Bureau of Hudson Valley. They bought the account. It's their job to report my payments.

Business

Response:

We received [redacted]'s account for collection from [redacted] on 6/**/12. We did not purchase this debt - we are collecting on behalf of [redacted]. [redacted]'s payment was posted to her account 9/**/14. We remit payments to [redacted] on the [redacted] of the month and the last business day of the month. In addition, our Client Services Department has contacted [redacted] to make sure [redacted]'s account balance is updated in order for [redacted] to update the account with the credit bureaus.

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Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I have contacted this company for approximately the last six months telling them that the account #[redacted] does not belong to me, I have further stated to them that this account is not mine and that I have requested a debt validation in accordance with the Federal Rules of Civil Procedure #1.130. To no avail, this company has reported this fraudulent account on my credit file for the past six months and have not validated this fraudulent debt. I have tried to resolve this matter with less confusion as possible and the company has blatantly ignored me and continued to practice unethical tactics in order to get me to pay accounts that are not mine. I know factually that I have never been contractually obligated to pay a debt with this company because I have never had an account or received services from them. Furthermore, I request that this company cease and desist in all collection activities and or reporting this fraudulent debt. At this point, I demand these accounts be validated expeditiously or I will not hesitate to consult with a [redacted] to take care of the matter because they continue to ruin my credit worthiness with no concern for me. If the account cannot be proven to be mine, it is against the law for you to report it. I am well aware of my rights. Govern yourselves accordinglyDesired Settlement: delete fraudulent account

Consumer

Response:

My desired outcome is to have this fraudulent account deleted from my credit report due to their negligence and error.

Business

Response:

We have no record of receiving a request from the [redacted] for validation of this debt placed with our office by our client, [redacted] Cable. Based on the information provided in this complaint, we have advised the credit bureaus to delete our entry regarding the account. We trust this resolution will prove satisfactory to the [redacted].

Review: We were recently contacted by Jeff B[redacted] reportedly a collection agent from Collection Bureau of Hudson Valley . Mr B[redacted] stated he was trying to find [redacted], My wife. He called in the late evening of November the [redacted], 2015. My wife answered his questions as well as she could, but Mr B[redacted] was very ill and abusive towards my wife. He got her to state not only her SSN but mine as well before my wife had realized that we had never done business with the company who Mr B[redacted] had stated he was trying to collect for. I was at work at the time of the call, so I called Mr B[redacted] the very next morning. Mr B[redacted] at first talked calmly to me but as I tried to get information about what he supposedly was collecting for he became evasive. I got an account Number for the claimant, [redacted], [redacted], and called [redacted] and asked them what it was for. They do not know what the account number is and had never done business with me or my wife before. The Claimant has not reported any credit history information on equifax nor transunion either. I fear this was a scam or a misdirection attempt.Desired Settlement: I would like to be cleared of any accusation by the Credit Collection agency involved, reassurance that my or my wife's personal information and SSN will not be used in any actions by this Collection agency and Mr B[redacted] needs to be negatively cited for his actions.

Business

Response:

[redacted] returned our call on 11/**/15. She told the representative she was speaking to, Bill Jordan, that she thought we were calling about her husband’s hospital bill. Our representative used Caller ID to locate the account in question. He advised [redacted] that we were calling to speak with her. He explained who the original creditor was and asked her to confirm the last 2 digits of her social security number. [redacted] then gave her full social security number. This information matched the information provided to us by our client, [redacted]. [redacted] then advised our representative that she did not recognize the creditor.

Any information provided to CBHV by the consumer is used solely for the purpose of debt collection.

We have requested a copy of the itemized invoice from [redacted], and will forward that to [redacted] as soon as we receive it.

CBHV does not report accounts to any credit bureaus for [redacted], since [redacted] does it’s own credit reporting. We believe they did not recognize their account number when Mr. Wallace contacted them after his phone call to our office with Jeff B[redacted] on 11/**/15 due to confusion regarding the account number ending in the letter O and not the number zero.

We will make no additional attempts to contact [redacted] other than to provide the invoice detailing the items purchased and payments made towards the purchase.