Columbia Collection

Revdex.com Complaint Complainant: [redacted] Columbia Account # [redacted] Revdex.com Case Number [redacted] -- Thank you for bringing this matter to our attention Columbia Collection Service is dedicated to pursuing collections in compliance with all applicable laws Your complaint has been logged in our Complaint Management System (CMS) and we have conducted a thorough investigation into your concernsThe CMS is an integral part of our compliance program which is designed to detect and correct systemic issuesSummary of Complaint The complaint claims that Columbia Collection Service is incorrectly reporting the amount dueThe complaint also claims Columbia Collection Service is charging interest based on the incorrect amount, and continues to make collection attempts even though monthly payments are being madeSummary of Findings Our office has not received notification from our client (the original creditor) of a payment received from you since July of this year, nor have we received any payment in our officeWe have reached out to our client and were advised that you have made payments directly to them, rather than to our officeSpecifically, we are now aware of four other payments that have been made by you directly to our client ($on 8/21/17, 9/19/17, 10/17/and 11/11/17)Explanation of Closure Our office is now aware of the payments you have made, and are updating our records to reflect and report the correct amount dueIn addition, our office has updated your account so that you will not receive any further phone calls regarding this debt, at your requestIf you would like to discuss this matter further, we welcome you to call our office at 503-594-or 800-807-to speak directly with a Supervisor

Revdex.com Complaint Complainant: [redacted] Columbia Account #: Unknown Revdex.com Case # [redacted] Thank you for bringing this matter to our attentionUpon receipt of any complaint our office conducts a thorough investigation into the account notes, correspondences, and telephonic recordings regarding the account in questionUnfortunately, our office was unable to locate [redacted] accountThe Compliance Department used many methods in an attempt to locate the complainant’s accountOur office searched using information provided by [redacted] , however, we were unsuccessful in locating an accounts in our office with the information providedIt is possible that this complaint was directed to the incorrect agencyAt this time our office is requesting that this compliant be forwarded to the appropriate agencyIf [redacted] is confident that our office is the complainee then additional information, such as account number or social security number, would be necessary to locate an account and conduct a detailed investigation

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 However, I do maintain that the number of available representatives should be increased, as it took me days and calls made between the hours of 2pm-6pm before someone qualified to speak with me responded Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because they did not provide any prove of the debt just an itemized billUnder the Texas Finance Code Section requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to: •The name of the original creditor •The original date of default or non-payment of the debt •The date the debt was transferred from the original creditor to the third party debt collector •The original balance •The current balance •and surety bond informationPursuant to the Fair Debt Collection Practices Act (USC 1692c), you are hereby notified to immediately cease any and all communication concerning the collection of the above referenced accountThis notice shall include, but is not limited to, written correspondence, e-mail, as well as telephonic communication by your office(s) to myself, my place of employment, relatives, neighbors or referencesplease be advised that a written log of all contacts made by your company will be recordedFurthermore, failure to honor this request could subject your company to liability under Federal lawIf you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Federal Trade Commission, the Revdex.com, and the Consumer Financial Protection BureauPlease be aware that any further contact may also result in legal action against youThank you for your cooperation Sincerely, [redacted] ***

Below is the portion of our office's complaint response related to our polices, procedures, and response to this complaintThe full complaint, including account history, is included in the attached document***Portion of Complaint Response***Columbia is committed to collecting on outstanding debt onlyand not on previously paid debtAs such our office’s internal policies havechecks and balances in place to ensure that no debt is collected twice.Specifically, our office marks all debt as paid in full when they are satisfiedand such debts are excluded from any future collection activity and legalactionIn this instance our office filed case # [redacted] on all dates ofservice in our office at the timeThis case was satisfied on 09/18/2012.However, our office had been assigned other debts after the filing of the 2009caseOur office filed case # [redacted] on all outstanding dates of service inour office at the timeAlthough the case incudes a date of service fromour office had not been assigned that particular debt at the time case # [redacted] was filed and thus it could not have been included in said caseMany medical providers bill insurance as a courtesy.However, insurance is patient responsibilityAs such it is the patient’sresponsibility to ensure that insurance is billed and billed correctlyOuroffice is dedicated to ensuring that consumers have the ability to bill theirinsurance after the debt has been assigned to our officeIn this instance ouroffice has mailed Ms [redacted] itemized statements to facilitate insurancebillingAdditionally, our office has worked diligently with our client toconfirm the status of debts incurred in Three of the four dates ofservice are pending insurance rebilling or confirmation regarding principalbalancesDue to our office’s continued investigation into the status andbalances of such debts our office has removed the debts from Ms [redacted] creditThis ensures that no incorrect, outdated, or fluctuating information isreported to the complainant’s credit, while our office awaits rebilling andconfirmation from our client Columbia isdedicated to accurate credit reporting and as such all debt is reported unlessour office has been informed that debt was assigned to our office in error orif our office has reason to believe that debt has been reported in error.Additionally, our agreements with the credit reporting agencies and the FairCredit Reporting Act require that only information known to be accurate isfurnished to credit reporting agenciesIn this instance all debts have beenreported and the three debts that are on hold until our office has confirmationregarding the validity of the debt have been removed as stated above OurClient Services Department has confirmed all [redacted] principal balances includedin the caseAs such the amount paid by the consumer to satisfy the casehas been confirmedTheincrease in balance, although payments have been received, is the result ofadditional debt being assigned to our office as well as costs and disbursementsaccrued filing legal action and issuing garnishments, such fees are legallyadded to Ms [redacted] accountOur office is committed toensuring that all consumers are served in a legal and proper mannerAs suchour process serving vendor regularly reports service failures and provides ouroffice with affidavits of service as well as detailed invoices when consumersare servedRegarding both the and cases Ms [redacted] was served throughsubstitute service at her address, which was confirmed as recently as04/07/Substitute service is a legal method of service and the service wasperformed at Ms [redacted] confirmed addressAs such our office has no causeto believe that the service in either cases is invalidAdditionally,subservice does not require a signature, which was explained to Ms [redacted] duringa conversation between our office and the complainant on 04/14/ Garnishments are issued only when our office has an activejudgment against a consumer and Columbia is committed to issuing garnishmentsin a compliant mannerAs such our Representatives are prohibited fromrequesting garnishments on debts not included in an active judgment or issuingexcessive garnishmentsWhen our office issues a bank garnishment the bankforwards all funds held in accounts wherein the consumer is a signer minus anyfunds the bank labels as exemptIt is the bank’s responsibility to identifyapplicable accounts and forward fundsWhen a bank account with multiplesigners is garnished it is because the consumer is a signer and has access tosuch fundsMs [redacted] reports that a bank account that included her boyfriendand daughter was garnishedIn this instance the bank remitted funds from suchan account because Ms [redacted] is listed as a signer by the bank’sdeterminationAny complaints directed towards the bank will not be respondedto in this complaintHowever, our office has no reason to believe that thefunds remitted were attached from a bank account wherein the complainant wasnot a signer or that the funds were exemptOur officeis committed to ethical and compliant debt collectionOur Representatives areprohibited from extorting consumers for satisfaction of debt and there arepolices in place that dictate collection activity in a manner that preventsextorting behaviorColumbia and our client are working to confirm insurance rebilling andbalances on three of the dates of serviceAt this time the dates ofservice included in the case as well as date of service 06/21/remainoutstanding and our office intends to continue collection activity

Revdex.com Complaint Complainant: [redacted] Columbia Account # [redacted] Revdex.com Case # [redacted] Thank you for bringing this matter to my attentionUpon receipt of this complaint, the Compliance Department completed a thorough review of all telephonic recordings and company notes, related to Mr [redacted] account.The debts in question were assigned to our office on 11/09/and 08/12/ Our office attempted to contact Mr [redacted] telephonically and through written communication regarding this debt, between the dates of 12/26/and 10/14/ Early contact attempts were made to a phone number listed as Mr [redacted] phone numberWhen our office was unable to contact Mr [redacted] using the aforementioned number, our office attempted to contact Mr [redacted] by calling a number listed as an emergency contactOn 03/24/2015, 9/29/2015, 10/08/2015, and 10/13/2015, voicemails were left on two numbers provided by the complainant when services were rendered; one listed as Mr [redacted] number and one listed as an emergency contactOnly voicemails, which are designed not to disclose the existence of a debt to a third party, were left and no direct contact was made with the consumer or a third partyOn 10/14/2015, Mr [redacted] called into our office and spoke to our Representative stating that we had called his emergency contact and that he did not give consent to our office to call or speak with his emergency contactThe complainant requested that our office refrain from calling the emergency contact or himselfIn response to this communication, our Representative removed the emergency contact’s phone number from our system to ensure that the third party was not contacted furtherAdditionally, our Representative deactivated the complainant’s phone number to honor his request that our office does not call himColumbia’s policies prohibit our Representatives from contacting third parties except when acquiring location information regarding consumersWhen services were first rendered on 06/21/2014, Mr [redacted] signed a Conditions of Admission agreement, which allows for information about Mr [redacted] to be disclosed by our client to our office, for the purpose of obtaining payment for servicesThe agreement also allows for contact to be initiated at any telephone number the signer provides at the time of service, in this instance Mr [redacted] provided the number of the emergency contact at the time of service.Our office is committed to communicating with all persons in a respectful manner and our Representatives are prohibited from calling any numbers in a harassing or inappropriate wayOur Representatives are prohibited from placing calls with the intent to annoy, abuse or harass any person; this includes restricting the number of calls that can be made to a numberIt is our company’s policy to limit outgoing calls to once per day unless we are replying to an information request from a consumerA Representative attempted to reach the complainant by telephone a total of ten times between 11/09/and 11/15/Our Office did not call more than once on any day and did not call excessively within one time periodThese limited contact attempts are within our policy and not considered to be exorbitant in volume.Columbia is committed to protecting consumer’s privacyRepresentatives do not disclose the existence of a debt to a third party, unless we are directed by a consumer to do soAfter multiple attempts to reach Mr [redacted] , our representative attempted to reach him at other numbers provided, while not disclosing to third partiesOnly voicemails, which are designed not to disclose the existence of a debt to a third party, were left, and no direct contact was made with the consumer or a third party.At this time, the debt remains outstanding, and our office intends to continue with collection activity that does not include placing telephone calls to Mr [redacted] , at any number

Complaint: [redacted] I am rejecting this response because: The business never sent the supporting documentation they were required toI received all of their other communications, so if they had sent it logic follows that I would have received it as well"Stating" they sent it is not proof of mailing or deliverySending it now is irrelevantThey had multiple chances to send it, yet took legal action after documented attempts to contact them to provide it Sincerely, [redacted]

Revdex.com:okThat sounds fairAs long as I receive a validation of this debtThat you for looking into this matterI have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meSincerely, [redacted] ***

Complaint: [redacted] I am rejecting this response because:it has been over days and as of today, this collection is still active on my credit report as unpaid debtThis is mot acceptable as I have paid my debt and its your obligation to ensure that acurrate information is reflectedYou report negative info and its your moral obligationI filed a formal dispute with the agencies to have this debt updated to reflect paid in full over days ago and still as of 4/13/17, it is still shows as an active un paid debtYour customer service supervisor needs more trainin as they do not know how to treat people and have no sense in providing any type ofcustomer service at allIf I was treated with compassion and if you guys had moral practices I would not be complainingI need my credt report to be updated and reflected accurately, else, I will have to take legal action, as I have fulfilled my debt in full! Sincerely, [redacted]

Revdex.com Complaint Complainant: * [redacted] Columbia Account # [redacted] Revdex.com Case # [redacted] -- Thank you for bringing this matter to my attentionAs of 05/06/we have reached an agreement with the complainant and they have stated they are satisfied; therefore we consider this complaint resolved

Revdex.com ComplaintComplainant: [redacted] Columbia Account #: N/ARevdex.com Complaint ID # [redacted] Dear Mr [redacted] , Upon completion of our internal investigation, the Compliance Department of Columbia Collection Services Incwas unable to find an account in our system matching the customer information you provided in the complaintWe welcome you to call and speak directly with a manager who can work with you to locate an account if one existsPlease call us at [redacted] or 800-807-ext***

Complaint: [redacted] I am rejecting this response because:Sincerely, [redacted] ***

Revdex.com Complaint Complainant: * [redacted] Columbia Account # [redacted] Revdex.com Case # [redacted] -- Thank you for bringing this matter to my attentionAs of 05/23/we have reached an agreement with the complainant and they have stated they are satisfied; therefore we consider this complaint resolved

I have not received any validation from Columbia collectionUnder Texas Finance Code 392.202bthe debt collection agency has thirty calendar days to respond to a debt validation requestIf a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance code that the debt in question is inaccurateAs such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reportsAs of 06/2016, they are still reporting a collection account on my credit reportsUnder federal and state law, I could sue them and ask for thousands in damages since credit bureau reporting is considered a collection activityHowever, I am confident that by channeling this dispute through the Revdex.com, a more simple resolution can be madeIf they delete the account, cease reporting it to the credit bureaus, and provide written confirmation of the same, I will consider this matter resolved This shall serve as formal Notice of my Intent to file a Complaint with the FTC and the Texas Attorney General , the due to your blatant disregard of the Texas Medical Records Privacy Act “Fair Debt Collection Practices Act” [USC § et seq.] states in relevant part: “A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt,” which includes “the representation of the character, or legal status of any debt,” as well as “ the threat to take any legal action that cannot be legally taken,” all of which constitute violations of law I expect timely responses to the above confirmations and that they be made in writing and sent via certified mail to the address listed aboveAlternately, a letter from your firm that the matter has been satisfied and a copy of the letter you sent to all credit reporting agencies asking them that any adverse credit reporting relating to this transaction to be expunged by these three major credit reporting agencies (Experian, Transunion, and Equifax) immediately Sincerely, [redacted] ***

Revdex.com Complaint Complainant: [redacted] * [redacted] Columbia Account # [redacted] Revdex.com Case Number [redacted] -- Thank you for bringing this matter to our attention Columbia Collection Service is dedicated to pursuing collections in compliance with all applicable laws Your complaint has been logged in our Complaint Management System (CMS) and we have conducted a thorough investigation into your concernsThe CMS is an integral part of our compliance program which is designed to detect and correct systemic issuesSummary of Complaint The complaint claims that Columbia Collection Service failed to send you notification of the debts in question, and the representative on the account has not returned you or your attorney’s phone callsSummary of Findings The debt was assigned to our office on or about 02/16/and on 2/17/an initial notice was mailed to the address provided at the time of service, which is the same address you provided in your complaintYou placed a call to our office on 2/20/and spoke to a representativeAt that time, you did not request itemized statementsYou called again on 2/22/and spoke to a representativeAt that time, you did requested itemized statementsOur representative informed you that she was ordering them and that it would take some time before we received themShe advised that we would send them to you once receivedOn 3/7/your father [redacted] called and spoke to a representativeAt that time, he requested the itemized statements as well and our representative informed him that they have been ordered and would take some time for receiptOn 4/24/ [redacted] called again and left a voicemailOur office promptly returned the call but there was no answerOur representative tried to return the call again on 5/26/Our representative called and spoke to you on 6/20/ They explained some information we had received from the original client and that the itemized statements would be sentYou acknowledged the information provided to you and stated you would call back at a later timeExplanation of Closure After preforming an investigation into the facts of this compliant it has been determined that all policies and procedures were followed regarding this compliantUpon receipt by our office, we have sent to you a copy of the itemized statements for the debts in question to the address we have on file, which is the same address you provided in your compliantIn addition, all phone messages and calls have been returned promptlyFor your convenience, we have attached a copy of the itemized states for the debt in question with the answer to this complaintIf you would like to discuss this matter further, we welcome you to call our office at 503-594-or 800-807-to speak directly with a Supervisor

Revdex.com ComplaintComplainant: [redacted] Columbia Account # [redacted] Revdex.com Case # [redacted] --Our office appreciates Ms [redacted] responding to our complaintresponseAll information furnished to credit reporting agencies hasbeen correct, as enumerated belowInformation is furnished to the three maincredit reporting agencies, including [redacted] , each time information is reportedto credit reporting agencies On March 12th, our office reported to thecredit reporting agencies that the dates of service of April 1st,and May 24th, were satisfiedOn February 17th, our office reported to thecredit reporting agencies that date of service April 2nd, wasat a zero balance due to bankruptcy filingOn February 23rd, our office reported to thecredit reporting agencies that date of service February 17th, 2009was at a zero balance due to bankruptcy filingOn May 18th, our office reported to thecredit reporting agencies that our office investigated and confirmed that dateof service April 2nd, was previously reported correctly Our office has reported all debt correctly to the creditreporting agenciesAt this time it is the responsibility of the creditreporting agencies to report that information correctly

Revdex.com Complaint Complainant: [redacted] Columbia Account # [redacted] Revdex.com Case Number [redacted] -- Thank you for bringing this matter to our attention Columbia Collection Service is dedicated to pursuing collections in compliance with all applicable laws Your complaint has been logged in our Complaint Management System (CMS) and we have conducted a thorough investigation into your concernsThe CMS is an integral part of our compliance program which is designed to detect and correct systemic issuesSummary of Complaint The complaint claims that Columbia Collection Service has not removed the judgment reporting on your creditSummary of Findings Columbia Collection Service, Incdoes not report judgments to any of the three major credit reporting bureausJudgments being reporting on a credit report is between the courts in which the judgment was awarded and the credit bureausExplanation of Closure As explained previously, both you and [redacted] were jointly responsible for the debts in question, therefore these debts would not be and have not been deleted as a collection itemThey have been correctly reported as paid in full If you would like to discuss this matter further, we welcome you to call our office at 503-594-or 800-807-to speak directly with a Supervisor

Revdex.com Complaint Complainant [redacted] Columbia Account # [redacted] Revdex.com Case # [redacted] Thank you for bringing this matter to my attentionUpon receipt of this complaint, the Compliance Department completed a thorough review of telephonic recordings and company notes, related to Mr [redacted] account The debts in question were assigned to our office between the dates of 08/05/and 04/09/During this time, validation letters were sent to Mr [redacted] providing the complainant with notification that the debt was in our office and an opportunity to request validation of the debtOur office also made typical collection efforts including phone calls and letters On 05/17/2011, Mr [redacted] spoke to a RepresentativeHe stated that he was in the process of filing for bankruptcy and gave our office his attorney’s information; this was notated in the accountOn 12/08/2011, Mr [redacted] spoke to a Representative and stated, again, that he was filing for bankruptcy and provided his attorney’s name On 05/10/2012, our office received a Chapter bankruptcy notification for Mr***; filing date of 04/30/Mr [redacted] bankruptcy filing was notated in our systemOn 5/12/our office furnished information to the credit reporting agencies listing the debt as included in a bankruptcy filing On 08/15/our office received notification that the bankruptcy had been dischargedThat same day, our office completed all the necessary steps to update the complainant’s accountsThose steps included furnishing information to the credit reporting agencies stating that the debts were included in a bankruptcy discharge, clearing all the balances to $0.00, and dismissing any legal cases, associated with dates of service included in the bankruptcy filing On 09/26/2012, Mr [redacted] called our office and spoke with a Representative about recent findings on his credit reportThe Representative advised Mr [redacted] that Columbia reported the accounts to the credit bureaus as discharged through bankruptcyMr [redacted] told the Representative his credit report did not reflect thisThe Representative suggested that Mr [redacted] dispute the accounts through the credit bureaus Our office is dedicated to furnishing information that is accurate to credit reporting agencies in a timely manner, after which, it is the responsibility of the credit reporting agencies to reflect that information on the consumer’s credit reportIn this instance our office reported the bankruptcy discharge information the same day that our office received the notificationAll debts included in the complainant’s bankruptcy that were furnished to the credit reporting agencies were furnished with the applicable bankruptcy information, once Columbia received itThe length of time information is included on a consumer’s credit report is the responsibility of the credit reporting agencies Columbia is committed to responding to consumer questions and concerns as well as making updates and corrections as applicable, in a timely mannerIn this instance, our office confirmed that the credit reporting agencies had been sent the applicable bankruptcy information, and our Representative informed the complainant that he could dispute the information on his credit report himself, as it is the credit reporting agencies’ responsibility to report the information our office had previously furnished At this time, all debts included in the complainant’s bankruptcy that were reported to the credit reporting agencies have been updated as such to the agencies, and additionally, all debts included in the complainant’s bankruptcy have been closed out in our office as of 08/15/

Revdex.com Complaint Complainant: [redacted] Columbia Account # [redacted] Revdex.com Case# [redacted] -- Thank you for bringing this matter to our attention Columbia Collection Service is dedicated to pursuing collections in compliance with all applicable lawsYour complaint has been logged in our Complaint Management System (CMS) and we have conducted a thorough investigation into your concernsThe CMS is an integral part of our compliance program which is designed to detect and correct systemic issuesSummary of Complaint The complaint claims that Columbia Collection Service has not reported the debt in question to the credit bureaus as paid in fullIt is also claimed that the courts have not reflected the judgment as satisfiedSummary of Findings The judgment in question was satisfied on 02/24/by you with a cash paymentThe status of your account was updated to paid in full on 02/24/2017, and reported to the credit bureaus on 02/27/as suchOur office mailed a satisfaction of judgment to Multnomah County on 02/27/Explanation of Closure Our office reports to the credit bureaus on a regular basis but it may take the bureaus or more days to update your reportOur office does not report judgments to the credit bureaus, as that is handled between the courts and credit bureausIf you would like to discuss this matter further, we welcome you to call our office at 503-594-or 800-807-to speak directly with a Supervisor

Revdex.com Complaint Complainant: *** * *** Columbia Account # *** Revdex.com Case Number *** -- Thank you for bringing this matter to our attention. Columbia Collection Service is dedicated to pursuing collections in compliance with all applicable laws. Your complaint has
been logged in our Complaint Management System (CMS) and we have conducted a thorough investigation into your concernsThe CMS is an integral part of our compliance program which is designed to detect and correct systemic issuesSummary of Complaint The complaint claims that Columbia Collection Service agreed to remove the collection items from your credit report once payment in full was receivedSummary of Findings It is not our policy to remove a collection item from someone’s credit report in exchange for payment in fullAll calls between you and our office as late as 12/16/2015, and as resent as 1/3/(which was the last verbal communication our office has had with you) have been reviewedWe found no instance where our office agreed to delete items from your credit report in exchange for payment of any kindExplanation of Closure No offer or agreement was made that the collection items would be deleted from your credit reportIn addition, our office correctly marked the items in question as paid in full and reported them as such on 1/20/2017, days after payment in full was receivedIf you would like to discuss this matter further, we welcome you to call our office at 503-594-or 800-807-to speak directly with a Supervisor