Colorado Collections Company LLC

In response to Revdex.com file received on March 5, 2018, below is a chronological overview of the account, and how it was handled within our company§ 12/19/2016: Collection/Debt Validation Letter § 12/21/2016: Called consumer, and left a voicemail message for a return call § 12/21/2016: Consumer called, discussion about balance, [redacted] insurance Colorado Collections agreed to contact client and confirm insurance coverage and eligibility § 12/21/2016: Sent e-mail to client for confirmation § 01/13/2017: Client’s e-mail response confirmed, [redacted] billed, and claim denied § 01/18/2017: Called consumer, and left a voicemail message for a return call § 02/01/2017: Called consumer, and left a voicemail message for a return call § 02/14/2017: Called consumer, and left a voicemail message for a return call § 02/14/2017: Sent second collection letter § 02/23/2017: Called consumer, and left a voicemail message for a return call § 03/01/2017: Called consumer, and left a voicemail message for a return call § 03/29/2017: Called consumer, and left a voicemail message for a return call § 10/31/2017: Called consumer, and left a voicemail message for a return call § 02/13/2018: Consumer called Colorado Collections, agreed to pay balance excluding interest We advised okay, however, reports as “Settled in Full, not “Paid in Full” Consumer refused to pay interest, and no agreement made1: Consumer’s Claim: “Notice of collections was received once” 1: Agency’s Response: Collection Validation Letter sent 12/19/and second collection letter on 02/14/2: Consumer’s Clam: “Consumer claimed still working with her Health Insurance company.” 2: Agency’s Response: On 12/21/2016, consumer called from number on file, said [redacted] paid this or should have paid this Advised her to contact insurance because claim was not paid, and we’d also contact client to verify Client responded on 01/13/2018, [redacted] was billed, and claim was denied3: Consumer’s Claim: “First phone call was 02/13/2018, and claims the call was unpleasant3: Agency’s Response: “The first phone call made by consumer to our agency was 12/21/2017” Call from 02/13/was reviewed by collection manager, and deemed that collector handled call with professionalism, and educated the consumer of the options available to her with regards to settling an account or paying an account in full with regards to how it reports to the credit bureau4: Consumer’s Claim: Agency would not accept original principal balance of $4: Agency’s Response: Educated consumer we’d accept $payment, and advised of difference of how it reports to credit bureauAgency will accept $payment, however, cannot remove from credit file Account will report based on consumer’s payment or payment history5: “Consumer’s Claim: “Requested to speak to a supervisor, and was refused.” 5: Agency’s Response: Collector offered to transfer phone call, however, manager was in a meeting Collector offered for manager to call her back, but consumer refused and said she would call back On 02/13/2018, Collection Manager called and left a voicemail for consumer to call back6: Consumer’s Claim: “Website Phone Numbers Invalid, no e-mail on site, and Albuquerque location closed6: Agency’s Response: Deemed all Colorado contact information is/was correct with valid information Only the phone number for Albuquerque was deemed invalid On 03/05/2018, website was updated with new 800# for Albuquerque, and e-mail addresses for both locations See attachments of before and after of website contact page7: Consumer’s Claim: “Agency was rude and unprofessional.” 7: Agency’s Response: Collection manager deemed collector handled the call with outstanding professionalism

Complaint: [redacted] I am rejecting this response because: I’ve attempted to call agency again today to pay the balance and no responseVoicemail message prompted to leave a message and the call ended before a response could be madeUnfortunately, I’m not a lawyer and the courtesy of Colorado Collections LLC explaining the situation in a more positive manner instead of rudely explaining legal jargon in a condescending tone should not be a professional practiceI’m a person and should be communicated to as suchI never received the second notice letter nor was I informed of the detailed conversations and outcome between [redacted] and Colorado Collections LLCA CC on that email would have been beneficial and thus would have been resolved at that timeFailure to provide me the facts of the entire scope of the billing process would have had a better outcome than having to seek out the Revdex.com as the liaison to resolve this ongoing issue Sincerely, [redacted]

***, we also removed all the interest off the account. And, we called the consumer this morning. No one picked up, therefore, we left a message. Thank you!Sam

In response to Revdex.com file received on March 5, 2018, below is a chronological overview of the account, and how it was handled within our company. §  12/19/2016: Collection/Debt Validation Letter §  12/21/2016: Called consumer, and left a voicemail message for a return call...

§  12/21/2016: Consumer called, discussion about balance, [redacted] insurance.   Colorado Collections agreed to contact client and confirm insurance coverage and eligibility §  12/21/2016: Sent e-mail to client for confirmation §  01/13/2017: Client’s e-mail response confirmed, [redacted] billed, and claim denied §  01/18/2017: Called consumer, and left a voicemail message for a return call §  02/01/2017: Called consumer, and left a voicemail message for a return call §  02/14/2017: Called consumer, and left a voicemail message for a return call §  02/14/2017: Sent second collection letter §  02/23/2017: Called consumer, and left a voicemail message for a return call §  03/01/2017: Called consumer, and left a voicemail message for a return call §  03/29/2017: Called consumer, and left a voicemail message for a return call §  10/31/2017: Called consumer, and left a voicemail message for a return call §  02/13/2018: Consumer called Colorado Collections, agreed to pay balance excluding interest.  We advised okay, however, reports as “Settled in Full, not “Paid in Full”.  Consumer refused to pay interest, and no agreement made. 1: Consumer’s Claim: “Notice of collections was received once” 1: Agency’s Response: Collection Validation Letter sent 12/19/16 and second collection letter on 02/14/2017. 2: Consumer’s Clam: “Consumer claimed still working with her Health Insurance company.” 2: Agency’s Response: On 12/21/2016, consumer called from number on file, said [redacted] paid this or should have paid this.  Advised her to contact insurance because claim was not paid, and we’d also contact client to verify.  Client responded on 01/13/2018, [redacted] was billed, and claim was denied. 3: Consumer’s Claim: “First phone call was 02/13/2018, and claims the call was unpleasant. 3: Agency’s Response: “The first phone call made by consumer to our agency was 12/21/2017”.  Call from 02/13/2018 was reviewed by collection manager, and deemed that collector handled call with professionalism, and educated the consumer of the options available to her with regards to settling an account or paying an account in full…with regards to how it reports to the credit bureau. 4: Consumer’s Claim: Agency would not accept original principal balance of $320.00. 4: Agency’s Response: Educated consumer we’d accept $320.00 payment, and advised of difference of how it reports to credit bureau. Agency will accept $320.00 payment, however, cannot remove from credit file.  Account will report based on consumer’s payment or payment history. 5: “Consumer’s Claim: “Requested to speak to a supervisor, and was refused.” 5: Agency’s Response: Collector offered to transfer phone call, however, manager was in a meeting.  Collector offered for manager to call her back, but consumer refused and said she would call back.  On 02/13/2018, Collection Manager called and left a voicemail for consumer to call back. 6: Consumer’s Claim: “Website Phone Numbers Invalid, no e-mail on site, and Albuquerque location closed. 6: Agency’s Response: Deemed all Colorado contact information is/was correct with valid information.  Only the 800 phone number for Albuquerque was deemed invalid.  On 03/05/2018, website was updated with new 800# for Albuquerque, and e-mail addresses for both locations.  See attachments of before and after of website contact page. 7: Consumer’s Claim: “Agency was rude and unprofessional.” 7: Agency’s Response: Collection manager deemed collector handled the call with outstanding professionalism.

Complaint: [redacted]
I am rejecting this response because: I’ve attempted to call agency again today to pay the balance and no response. Voicemail message prompted to leave a message and the call ended before a response could be made. Unfortunately, I’m not a lawyer and the courtesy of Colorado Collections LLC explaining the situation in a more positive manner instead of rudely explaining legal jargon in a condescending tone should not be a professional practice. I’m a person and should be communicated to as such. I never received the second notice letter nor was I informed of the detailed conversations and outcome between [redacted] and Colorado Collections LLC. A CC on that email would have been beneficial and thus would have been resolved at that time. Failure to provide me the facts of the entire scope of the billing process would have had a better outcome than having to seek out the Revdex.com as the liaison to resolve this ongoing issue. 
Sincerely,
[redacted]