Columbia Collection

Revdex.com ComplaintComplainant: [redacted] Columbia Account # [redacted] Revdex.com Case # [redacted]--Thank you for bringing this matter to my attention. Thedebts in question were assigned to our office on 11/02/2010, 08/02/2011 and06/25/2014. Once our office was assigned the debt a validation letter was sentto Mr....

[redacted], on 11/03/2010, 08/03/2011 and 07/06/2014 respectively. Our officereceived no notification that the mail was returned or otherwise not receivedon any of these occasions. No request for validation of the debt was receivedwithin the validation periods provided to Mr. [redacted]. On 12/28/2010 a Representative from our office spoke withMr. [redacted] regarding this debt. Our Representative provided the consumer withthe dates of service and who the patient was. During this conversation ouroffice was able to confirm Mr. [redacted]’s address. Between 01/11/2011 and12/03/2014 our office attempted to contact Mr. [redacted] telephonically and leftmessages for Mr. [redacted]. However, our office was not able to speak with Mr.[redacted], who did not call our office back.Between 09/17/2012 and 10/08/2013 Mr. [redacted] disputed thedebt to the credit reporting agencies and not our office directly. Our office,when informed of the disputes through the credit reporting agencies, confirmedthat all information furnished to their offices were correct. On 09/17/2013 and10/08/2013 Mrs. [redacted] sent a dispute to our office in the form of anautomatically generated dispute letter requesting validation. Due to the natureof the dispute and the fact that the validation period had previously expired, ouroffice was not required to provide Mrs. [redacted] with validation of the debt. When our office received an additional automaticallygenerated dispute on 11/15/2013 our office responded to Mrs. and Mr. [redacted] viaa written communication advising them that our office conducted aninvestigation and that the information our office furnished to the creditreporting agency as correct. Our office then received notification of additional disputesmade to the credit reporting agencies from the complainant on 11/25/2013 and12/03/2013; our office confirmed with the credit reporting agencies once again thatinformation furnished was correct. Between 08/28/2014 and 12/03/2014 our office made attemptsto contact the complainant telephonically but was unable to speak with Mr. or Mrs.[redacted], who did not return our calls. On 12/23/2014 our Representative spokewith Mr. [redacted] regarding this debt. Mr. [redacted] requested that informationregarding the debt be emailed to him. Our Representative informed Mr. [redacted]that letters had been sent to the consumer with the information, such as datesof service and patients, and our office provided Mr. [redacted] with the informationverbally. Since the complainant was unable to speak at that time Mr. [redacted]agreed to call our office back on 12/30/2013; our office never received a callfrom Mr. [redacted] on that date. When our office failed to receive a call back or anycommunication from Mr. [redacted] our office filed a small claims suit against Mr.and Mrs. [redacted] regarding this debt on 03/06/2015. The complainant called ouroffice on 03/26/2015 and requested that we set up a payment arrangement atwhich time we confirmed that the address we had on file, the one we had beensending correspondence to, was correct.  OurRepresentative informed Mr. [redacted] that our office still intended to request ajudgment, but that we could enter into a payment arrangement that would preventany further collection activity, such as garnishments.  This payment arrangement was contingent upon adown payment, however. When Mr. [redacted] indicated he was unable to make thatpayment our office agreed to split the down payment between two payments. Atthis point, the complainant agreed to set up a payment arrangement.  When Mr. [redacted] called our office to requestthat the arranged due date be changed to better meet his financial needs ouroffice agreed to ensure that the payment arrangement worked for Mr. [redacted]. Ouroffice wanted to be accommodate Mr. [redacted] to ensure that we able tosuccessfully complete a payment arrangement.On 04/13/2015 Mr. [redacted] called our office because theprearranged payment had not gone through. Our Representative was able todetermine that our office had recorded the complainant’s account informationincorrectly and was able to work with Mr. [redacted] to reschedule the payment.Although Mr. [redacted] called in after the due date our office continued with thepayment arrangement since our office had ran the payment incorrectly. Our office received judgment against Mr. and Mrs. [redacted] on 04/15/2015.We heard from the complainant again on 05/11/2015 when hecalled our office to inquire as to the date of his next payment. On 05/15/2015 our office received a dispute from Mr. [redacted]regarding validation of the debt and information furnished to the creditreporting agencies. Although Mr. [redacted] requested validation of the debt outsidethe validation period, our office intends to provide Mr. [redacted] with copies ofthe itemized statements once they are received from our client. Our office is committed to protecting all personal andsensitive information including medical information in compliance with theFDCPA and HIPPA. However, as a business associate of our client our office ispermitted by HIPPA to disclose information for the purposes of obtainingpayment of outstanding receivables. As such our office is permitted to reportinformation to credit reporting agencies. Our office, however, does notdisclose any more information than is necessary when furnishing information tocredit reporting agencies, such as services received. Additionally, our officeis mandated with reporting accurate information to the credit reportingagencies and as such our office does do so in regards to medical debt. When our office receives requests for validation outside thevalidation period our office is committed to providing this documentation to theconsumer despite having no obligation to do so. Mr. [redacted] and our office spoke on multiple occasions and arranged apayment arrangement to satisfy the debt. At no time during these telephoniccommunications did Mr. [redacted] indicate that the debt was invalid or that hewould like validation of the debt to be mailed to him. Mr. [redacted] did disputethe information furnished to the credit reporting agencies with the agenciesthemselves and with our office using what our office believed to beautomatically generated dispute correspondences. In both instances our officehas no obligation to prove the consumer with validation of the debt. However,to ensure that Mr. [redacted]’s recent dispute and this complaint are responded to,our office has requested the itemized statements from our client and we intendto provide this documentation to the consumer after they are received. At this time the debt remains outstanding and our officewill continue with collection activity. However, our office intends to provideMr. and Mrs. [redacted] with validation of the debt regardless.

Revdex.com ComplaintComplainant: [redacted]Columbia Account # [redacted]Revdex.com Case # [redacted]Columbia appreciates Mr. [redacted] responding to our office’scomplaint response. Our office received a partial payment, $798.45, from thecomplaint on 05/15/2015. That payment was posted to Mr. [redacted]’s account. On 05/19/2015 our office received a payment in full,$886.45, from the complainant. At that time our office had not receivednotification from Mr. [redacted]’s bank that the $798.45 payment had been stopped,as our office had been informed by Mrs. [redacted] would occur. As such the$886.45 payment could not be applied to Mr. [redacted]’s account without anoverpayment being made.On 05/28/2015 our office received notification that theoriginal payment had been stopped and could not be honored. At that time ouroffice backed out the original payment. Once that has occurred our office wasable to post the payment in full; this occurred on 05/28/2015. Our office is committed to posting all payments in anethical, compliance, and timely manner. If the payment had been applied on05/19/2015 an overpayment would have been issued and an outstanding balancewould have been created when the $798.45 check was stopped. To ensure that Mr.[redacted]’s debt was satisfied with the second, $886.45, the payment was notposted until our office received notification from the bank that the $798.45check had been stopped.Satisfaction letters are sent to the court 10 days after apayment has been posted to ensure that the payment has been fully andsuccessfully processed by our office and the financial institution.  At this time the debt has been satisfied. Once the paymentin full has been processed our office intends to send the courts a satisfactionletter informing them that the judgment has been satisfied. Additionally, ouroffice intends to send the complainant a satisfaction of judgment letter atthat time as well.

Complaint: [redacted]
I am rejecting this response because:it has been over 45 days and as of today, this collection is still active on my credit report as unpaid debt. This is mot acceptable as I have paid my debt and its your obligation to ensure that acurrate information is reflected. You report negative info and its your moral obligation. I filed a formal dispute with the agencies to have this debt updated to reflect paid in full over 30 days ago and still as of 4/13/17, it is still shows as an active un paid debt. Your 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 all. If I was treated with compassion and if you guys had moral practices I would not be complaining. I 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]

Complaint: [redacted]I am rejecting this response because:This company is lying I have not received Any correspondence in my name nor have I received any voice mails regarding me owing this debt. Please provide me the Oregon state that states medical debt is the responsibility of both parties. I contacted an attorney who said this is not true any many collection agencies will tru and say this. I asked the supervisor the statute He told me he did not know it. If you are following proper collection policies I would think this company should know it.  as far as the bankruptcy goes the supervisor asked me about bankruptcy, obviously I am aware that I filed a bankruptcy prior to this debt so I know thus would not be included. just provide me with the statue that States they ha e the right to put this debt in my mame where [redacted] signed as the responsible party. This is the first collection agency I have heard state this is Oregon law. [redacted] is not a minor. Sincerely,[redacted]

This has been taken care of

Complaint: [redacted]I am rejecting this response because:There should be no more payment due. We have paid and have proven to the washinton county courts that payment was mad. Even the clerk was surprised that we were able to make payments. She asked us how we made them and we told her that we had to go to the office in Milwaukee because there had been no acceptable other payment method available. The only way to pay online was an insecure portal with no account information. Phone calls were not returned Ina timely matter and phone payment was not attepted due to poor policy and no way to confirm the account that we were paying on.
Sincerely,
[redacted]

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

Revdex.com ComplaintComplainant: [redacted]Columbia Account # [redacted]Revdex.com Case # [redacted]--Thank you for bringing this matter to my attention. The debts in question were assigned to our office on12/02/2013 and 12/10/2014. Our office mailed validation letters to Mr. and Mrs.[redacted] after assignment of each...

debt, on 12/03/2013 and 12/19/2014,respectively. Our office received no notification that the writtencommunications were not received by the complainant. Written communications concerning the debt were sent to Mr.[redacted] on 01/13/2014 and 02/10/2014. Our office attempted to communicate withMr. [redacted] telephonically from 02/14/2014 to 12/18/2014. However, our officewas not able to connect to Mr. [redacted]. Our office has left Mr. [redacted] voice messagesthat were never returned. When our office failed to receive a call back orpayment our office filed a small claims suit on 02/12/2015 against Mr. and Mrs.[redacted]. On 04/10/2015 our office received a call from Mrs. [redacted]who stated she wanted to make a payment but did not want to speak to ananswering machine. The call was then transferred to the Representative handlingthe case. That day Mrs. [redacted] left a message on the machine of thatRepresentative that she wanted to pay the debt in full. In that message Mrs.[redacted] provided her phone number but requested that our office not call herback since Mrs. [redacted] wanted to be the one to contact us to verify thelegitimacy of our office. Our records do not indicate that Mr. or Mrs. [redacted]called our office on other occasions. Mr. and Mrs. [redacted] were serviced through alternativeservice, granted by the Washington County Court on 04/22/2015, on 05/07/2015.On 05/15/2015 our office received a call from Mrs. [redacted].A Representative from our office spoke with Mrs. [redacted] regarding the smallclaims case. Mrs. [redacted] indicated that she had been calling our office sinceJanuary. Our Representative informed Mrs. [redacted] that our office has no recordof multiple calls from Mrs. [redacted]. At that time Mrs. [redacted] stated that themajority of the time she had not left a message. The Representative informedMrs. [redacted] that our office has no way of knowing if a call was made to ouroffice without the caller leaving a message and that identifying informationneeded to be left so our office could identify an account. During thisconversation Mrs. [redacted] indicated that she attempted to make payment in fullthrough online bill pay but that our office denied the payment. OurRepresentative informed the consumer that our office has not denied the paymentor has any record of it. The Representative confirmed that the address Mrs.[redacted] provided the online banking system then informed Mrs. [redacted] thatonline banking mails out a physical check and that it takes couple days toreach our office. Mrs. [redacted] understood that the payment was still pendingfor processing/mailing. Our Representative informed Mrs. [redacted] that therewere additional service fees due to the alternative service. Mrs. [redacted]informed our office that she would be canceling the online bill pay and wouldinstead walk a payment into our office. On 05/15/2015 our office received a payment for the originalclaim amount, which was applied to the account. On 05/19/2015 our officereceived a voicemail from Mrs. [redacted] stating that a check for an incorrectamount was sent and that Mrs. [redacted] had retracted that check. A new checkwould be written within 2-3 business days. Our office is committed to being available to consumers.However, our office handles a large volume of calls. As such, ourRepresentatives are mandated with checking their voicemails and returningconsumer calls within one business day. This ensures that consumers receiverequested call backs and have their questions/concerns answered promptly.However, when there is no message left or no identifying information in thatmessage our office is not made aware that a specific consumer has called ouroffice. In this instance our office was not informed that Mrs. [redacted] calledin due to lack of messages left with our office. Other than the message left on04/10/2015 our office has no record of calls being made to our office from Mr.or Mrs. [redacted]. In response to the message left on 04/10/2015, our officehonored Mrs. [redacted]’s request that our office not call her back and allowedMrs. [redacted] to contact our office. Our office had no method to identify that Mrs. [redacted] hadbeen calling to pay the debt in our office. Additionally, our office had sentMr. and Mrs. [redacted] multiple written communications that included methods ofpaying the bill telephonically, through the mail, or online. When the complainantfailed to contact our office and leave message or make payment on the debt ouroffice continued with collection activity, which in this case included thefiling of the small claims suit. Once the small claims suit was filed all feesincurred by our office are included in the account and legally owed by theconsumers. Although Mr. [redacted] is requesting an itemization of thedebt outside of the validation period our office will provide itemizedstatements of the original debt as well as an invoice of the service feesmailed to Mr. and Mrs. [redacted] as a courtesy. At this time there are still the additional service feesowed by Mr. and Mrs. [redacted]. However, if the check received by our office on5/15/2015 is returned the entire balance of the claim will be due until ouroffice receives the payment in full promised by Mrs. [redacted]. If payment is notreceived our office will continue with collection activity.

Revdex.com Complaint
Complainant: *. [redacted]
Columbia Account # [redacted]
Revdex.com Case # [redacted]
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Thank you for bringing this matter to my attention. As of 05/23/2016 we have reached an agreement with the complainant and they have stated they are satisfied; therefore we consider this complaint resolved.

Complaint: [redacted] I am rejecting this response because they did not provide any prove of the debt just an itemized bill. Under the Texas Finance Code Section 392.202 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 information. Pursuant to the Fair Debt Collection Practices Act (15 USC 1692c), you are hereby notified to immediately cease any and all communication concerning the collection of the above referenced account. This 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 references. please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If 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 Bureau. Please be aware that any further contact may also result in legal action against you. Thank you for your cooperation Sincerely,[redacted]

Revdex.com ComplaintComplainant: *. [redacted]Columbia Account # [redacted]Revdex.com Case # [redacted]--Thank you for bringing this matter to my attention. The debt in question was assigned to our office on 03/31/2011. At that time, 04/04/2011, a validation letter was sent to Mr. and Mrs. [redacted] providing the...

complainants with notification that the debt was in our office, and an opportunity to request validation of the debt. Our office has not received notice that this written communication was mail returned. On 10/23/2015 our office reviewed Mr. and Mrs. [redacted]’s account for possible legal action when our office had not received a payment since March of 2012. At this time, 10/28/2015, our office sent Mr. and Mrs. [redacted] a letter informing them of our office’s intent to take legal action and providing them with 10 days to satisfy the debt prior to this action. On 11/02/2015 our office received a call from Mrs. [redacted]. Our receptionist was able to transfer the call to the Representative handling Mrs. [redacted]’s account. The Representative’s direct phone number was provided to Mrs. [redacted] for future reference. Mrs. [redacted] was asked to leave the Representative a message if the Representative was unavailable. During this conversation Mrs. [redacted] expressed interest in receiving bills for the debts listed in our notice. Mrs. [redacted] was unable to speak with the Representative and no message was left. On 11/10/2015, 13 days after the abovementioned letter was mailed to the complainant, our office prepared the small claim documentation.On 11/11/2015 our office received payment in full. On 11/16/2015 our office sent the small claims documents prepared prior to payment in full to our process serving company. On 12/05/2015, Mr. and Mrs. [redacted] were served with these documents. Our office is committed to filing small claims and engaging in collection activity on outstanding debt only. Our office and all employees are prohibited from filing cases or engaging on collection activity in regards to satisfied or closed debt. In this instance, the small claims case was filed and forwarded to our process server vendor after the debt had been satisfied. In response to our findings, the Compliance Department has removed the fees associated with the filing of the small claims suit; these fees are added when a small claims is sent to the courts for filing. The case, [redacted] County Case #[redacted], will dismiss when no judgment request is sent to the courts. The Compliance Department has made internal notations to ensure that no such request is sent to the courts. The employee who forwarded the documents after payment in full is no longer with our office, however, the department that is assigned this task has been coached on reviewing all accounts to ensure that paid in full accounts are not sent to our process server or that collection activity occurs in relation to them. Our office is committed to being available to consumers. However, our office handles a large volume of calls. As such, our Representatives are mandated with checking their voicemails and returning consumer calls within one business day. This ensures that consumers receive requested call backs and have their questions/concerns answered promptly. In this instance, Mrs. [redacted] did not leave a voicemail for the Representative who handles her account. Mrs. [redacted] did speak with the receptionist, who is unable to provide account information; this ensures that consumers are not provided with misinformation. The receptionist provided Mrs. [redacted] with contact information for the appropriate Representative and transferred the call, providing the consumer with the opportunity to speak with a Representative or to leave a message.Although our office has no legal obligation to provide validation of the debt outside the validation period, Columbia is dedicated to providing consumers with validation of debt when such information is requested. As such, our office has rush ordered the itemized statements from our client and sent this documentation to Mr. and Mrs. [redacted] at the address listed in this complaint, on 12/14/2015. At the time these debts were assigned, all debt in our office was eligible for credit reporting 90 days after our office has been assigned the debt. Columbia does not delete or remove debt from credit reports in exchange for satisfaction of the debt for reasons enumerated below. Our agreements with the credit reporting agencies and the Fair Credit Reporting Act require that only information known to be accurate is furnished to credit reporting agencies. Deleting verified debt once said debt is paid would be reporting information known to Columbia to be false and would constitute falsifying consumer credit reports. In this instance, our office has reported the debt as satisfied as recently as 11/16/2015. Additionally, no judgment will be listed on Mr. and Mrs. [redacted]’s credit reports as no judgment will be requested in regards to [redacted] County Case #[redacted]. At this time, the debt has been paid in full. Our office will not be requesting judgment in this case, as such the case will dismiss.

Revdex.com Complaint Complainant: [redacted]Columbia Account #[redacted]Revdex.com Case # [redacted]           Thank you for bringing this matter to my attention. Our office is still performing an investigation into this complaint, and is pending a resolution with the...

consumer. Our office is hoping to submit a complete response to this complaint within the next few days.

Revdex.com ComplaintComplainant: [redacted]Columbia Account # [redacted]Revdex.com Case # [redacted]--Thank you for bringing this matter to my attention. The debts in question were assigned to our office on 12/23/2013and 02/03/2014. After each assignment our office mailed Ms. [redacted] and Mr. [redacted]validation letters;...

12/23/2013 and 02/04/2013 respectively. All writtencommunications sent from our office were appropriately addressed. Our officedid not received notice that the mail was returned or otherwise undelivered. Nonotice of dispute was received from Ms. [redacted] or Mr. [redacted] during thevalidation periods. Between 1/28/2014 and 03/24/2014 our office attempted tocontact Ms. [redacted] and Mr. [redacted] telephonically; written communications weresent as well.On 12/08/2014, Ms. [redacted] called our office regarding debtincluded in her credit report. At that time our Representative confirmed thedate of Ms. [redacted] bankruptcy filing and asked if the 2013 dates of service inour office were included in the bankruptcy. When Ms. [redacted] indicated that shewas not sure our Representative informed her that our office would confirmwhether these dates were included. During the conversation Ms. [redacted] statedthat she was not responsible for the debt since the services were for Mr.[redacted], who would have signed for the service and their financialresponsibility. Our Representative confirmed that the complainant was marriedto Mr. [redacted] and informed the complainant that in Oregon medical debt is considereda family expense and thus both parties would be responsible. However, ourRepresentative informed Ms. [redacted] that our office would look in to thebankruptcy. Due to the filing date of the bankruptcy it was determined that the2013 debt was not included in the bankruptcy and that Ms. [redacted] was indeedliable for those debts.    Between 01/28/2014 and 07/22/2014 our office attempted tocontact Ms. [redacted] and Mr. [redacted] telephonically. However, our office was unableto communicate with either party, who did not call our office back. On 12/08/2014 Ms. [redacted] called our office. OurRepresentative was unable to locate Ms. [redacted] account and offered to have thecall transferred to the Supervisor. However, the Supervisor was unavailable atthat time. Our Representative informed the complainant that a Supervisor wouldcall her back. When Ms. [redacted] was unable to speak with the Supervisor she askedfor the CEO. Since the CEO does not take phone calls our Representative attemptedto transfer the call to the Supervisor once again. This time the Supervisor wasavailable.The Supervisor explained that the debts were not included inMs. [redacted] bankruptcy. Additionally, the Supervisor explained that medicaldebt is a family expense, meaning that an individual is liable for theirspouse’s medical bills. In Oregon medical debt is considered a family expensemeaning that the patient’s spouse, at the time of service, is equally liablefor the debt. As such when one spouse obtains medical debt said debt will beregarded as valid for both spouses. In this instance Ms. [redacted] confirmed thatshe is married to Mr. [redacted] and as such is liable for the debt under Oregonstatute. Our office mailed all validation and other writtencommunications to both Ms. [redacted] and Mr. [redacted] thus providing them withnotification of the debt. Additionally, our office has attempted to communicatewith both Ms. [redacted] and Mr. [redacted] on multiple occasions using both telephonicand written communications. No notices of mail return have been received by ouroffice nor does our office have any cause to believe that the writtencommunications were not delivered. Our office has a mandate to furnish all credit informationknown to be accurate. Based on Oregon statute these debts are owned by both Ms.[redacted] and Mr. [redacted] and as such our office has furnished this information tothe credit reporting agencies for both parties. Any deletion from Ms. [redacted]credit report would constitute falsifying credit reports, which is behavior ouroffice does not engage in. At this time the debt remains unsatisfied and our officeintends to continue with collection activity.

Complaint: [redacted]I am rejecting this response because:On 5/7/15 I received a small claims notice for a total of 798.45$ Including fees.On 5/14/15 I had my bank send a check for the total of 798.45$On 5/15/15 [redacted] spoke with [redacted] at Columbia to find the total was actually 866.45We then cancled the check because it was for the incorrect amountOn 5/19/15 [redacted] walked into your office and spoke with [redacted]   She spoke with [redacted] to confirm the total of 866.45 would pay our account in full including all fees and close the account. We received a receipt for the total. We were also told we would receive a payed in full receipt once the check cleared.We then went to the Washington county courthouse and turned in the small claims paper work and showing proof of payment including all fees.On 6/2/15 The check cleared our account.On 6/3/15 [redacted] left two messages with Columbia to confirm that the paid in full receipt was being mailed as requested.  We have not heard back Between 5/20/15 and 6/2/15 We did not speak with Columbia or cancel any checks!  We paid our full account total on 5/19/15 and no longer owe any money to Colombia Collection Service.  I have copy's of all paperwork and receipts Sincerely,[redacted]

Revdex.com Complaint
Complainant: *. [redacted]
Columbia Account # [redacted]
Revdex.com Case # [redacted]
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Thank you for bringing this matter to my attention. As of 05/06/2016 we have reached an agreement with the complainant and they have stated they are satisfied; therefore we consider this complaint resolved.

Revdex.com Complaint Complainant: [redacted]Columbia Account #[redacted]Revdex.com Case # [redacted] Thank you for bringing this matter to my attention. Upon 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 11/09/2014 and 08/12/2015.  Our office attempted to contact Mr. [redacted] telephonically and through written communication regarding this debt, between the dates of 12/26/2015 and 10/14/2015.  Early contact attempts were made to a phone number listed as Mr. [redacted] phone number. When 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 contact. On 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 contact. Only 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. On 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 contact. The complainant requested that our office refrain from calling the emergency contact or himself. In 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 further. Additionally, our Representative deactivated the complainant’s phone number to honor his request that our office does not call him. Columbia’s policies prohibit our Representatives from contacting third parties except when acquiring location information regarding consumers. When 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 services. The 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 way. Our 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 number. It is our company’s policy to limit outgoing calls to once per day unless we are replying to an information request from a consumer. A Representative attempted to reach the complainant by telephone a total of ten times between 11/09/2014 and 11/15/2015. Our Office did not call more than once on any day and did not call excessively within one time period. These limited contact attempts are within our policy and not considered to be exorbitant in volume.Columbia is committed to protecting consumer’s privacy. Representatives do not disclose the existence of a debt to a third party, unless we are directed by a consumer to do so. After multiple attempts to reach Mr. [redacted], our representative attempted to reach him at other numbers provided, while not disclosing to third parties. Only 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.

07/06/2016
RE:          Revdex.com Complaint
                Columbia Account: [redacted]
Revdex.com ID #[redacted]
 This response is in response to the additional comments provided by Ms. [redacted], sent to Columbia Collection Service, Inc. via the Revdex.com portal on 07/01/2016.
 
All of the information that Ms. [redacted] is requesting has already been provided to her.  As this response may be publicly posted on the Revdex.com website we are unable to include this information in this response. Below is a summary of when this information was previously provided to Ms. [redacted].
·         The name of the original creditor – This information was mailed to Ms. [redacted] on 06/02/2016 via USPS first class mail and 06/20/2016 via certified mail.
·         The original date of default or non-payment of the debt – This information was mailed to Ms. [redacted] on 06/02/2016 via USPS first class mail and 06/20/2016 via certified mail.
·         The date the debt was transferred from the original creditor to the third party debt collector – Provided in initial Revdex.com response on 06/11/2016.
·         The original balance – This information was mailed to Ms. [redacted] on 06/02/2016 via USPS first class mail and 06/20/2016 via certified mail.
·         The current balance – This information was mailed to Ms. [redacted] on 06/02/2016 via USPS first class mail and 06/20/2016 via certified mail.
·         Surety bond information – Provided in initial Revdex.com response on 06/11/2016. It can also be located on the Texas Secretary of State Debt Collector Search website (http://direct.sos.state.tx.us/debtcollectors/DCSearch.asp) under the principal name Columbia Collection Service
 
Essentially, the dispute by Ms. [redacted] in her additional comments is substantially the same as the dispute she previously submitted to the Revdex.com and Columbia has previously investigated and responded to such dispute.  Moreover, Ms. [redacted] has now communicated a request to cease further communication with her relating to the debt. Consequently, this will be our final response to this dispute unless Ms. [redacted] provides other specific information that she is disputing and an explanation of the basis for her dispute.
 
Thank you,
Compliance Department Columbia Collection Service
 
THIS COMMUNICATION IS FROM A DEBT COLLECTOR. UNLESS YOUR DEBT IS SUBJECT TO BANKRUPTCY PROTECTION, STAY, OR DISCHARGE ORDER THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THIS PURPOSE.
 
Confidentiality Notice
The information enclosed is intended only for the use of the individual or entity to which it is addressed and may contain information that is privileged, confidential and/or exempt from disclosure under applicable law. If you are not the intended recipient or an authorized representative of the intended recipient, you are hereby notified that any review, dissemination or copying of this information, if any, or the information contained herein is prohibited. If you have received this information in error, please immediately notify the sender and destroy this information.

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 laws. Your complaint has been logged in our...

Complaint Management System (CMS) and we have conducted a thorough investigation into your concerns. The CMS is an integral part of our compliance program which is designed to detect and correct systemic issues. Summary of Complaint The complaint claims that Columbia Collection Service has not reported the debt in question to the credit bureaus as paid in full. It is also claimed that the courts have not reflected the judgment as satisfied. Summary of Findings The judgment in question was satisfied on 02/24/2017 by you with a cash payment. The status of your account was updated to paid in full on 02/24/2017, and reported to the credit bureaus on 02/27/2017 as such. Our office mailed a satisfaction of judgment to Multnomah County on 02/27/2017. Explanation of Closure Our office reports to the credit bureaus on a regular basis but it may take the bureaus 45 or more days to update your report. Our office does not report judgments to the credit bureaus, as that is handled between the courts and credit bureaus. If you would like to discuss this matter further, we welcome you to call our office at 503-594-0446 or 800-807-3476 to speak directly with a Supervisor.

Revdex.com Complaint
Complainant: [redacted]
Columbia Account # [redacted]
Revdex.com Case # [redacted]
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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 concerns. The CMS is an integral part of our compliance program which is designed to detect and correct systemic issues.
Summary of Complaint
The complaint claims that Columbia Collection Service attempted to collect on a debt without providing proof of the debt after it was requested.
Summary of Findings
The account in question was for date of service 2/14/2014, which was assigned to our office on 3/4/2015.  Our office mailed an initial notice on 3/5/2015.  We received a written dispute for this account on 3/17/2015.  On that same day we mailed out a copy of the supporting account documentation to the address provided in the complaint.  The documentation was not mail returned.
On 4/22/15 we received another correspondence reiterating the dispute of the account.  At that time we verified that supporting account documentation had been mailed to Mr. [redacted].
On 12/16/16 we received certified correspondence for this account indicating the requested documentation had not been received.
Explanation of Closure
The supporting account documentation was mailed to Mr. [redacted] as requested on 3/17/2015 to a confirmed address and was not mail returned.  As a courtesy we are resending the supporting account documentation to the address provided in the complaint. 
If you would like to discuss this matter further, we welcome you to call our office at 503-594-0446 or 800-807-3476 to speak directly with a Supervisor.

I have not received any validation from Columbia collection. Under Texas Finance Code 392.202b2 the debt collection agency has thirty calendar days to respond to a debt validation request. If 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 inaccurate. As such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports. As of 06/11 2016, they are still reporting a collection account on my credit reports. Under federal and state law, I could sue them and ask for thousands in damages since credit bureau reporting is considered a collection activity. However, I am confident that by channeling this dispute through the Revdex.com, a more simple resolution can be made. If 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” [15 USC § 1692 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 false 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 above. Alternately, a letter from your firm that the matter has been satisfied and a copy of the letter you sent to all 3 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]