Columbia Collection

Complaint: [redacted]I am rejecting this response because:Please send me the letters that were initially sent in my name to my address for [redacted]s debt. As stated I have not received any correspondence in my name at my address. Once I was receive copies I will review and go from there. Until I know I stand by the fact that no correspondence has been sent directly in my name and my address. Sending letters in [redacted]s name does not constitute notifying me of a debt outstanding for a member in my household. Sincerely,[redacted]

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 4 days and 20 calls made between the hours of 2pm-6pm before someone qualified to speak with me responded.
Sincerely, [redacted]

Revdex.com ComplaintComplainant: [redacted] Columbia Account # [redacted]Revdex.com Case # [redacted]--Our office appreciates Ms. [redacted] responding to our complaintresponse. All information furnished to credit reporting agencies hasbeen correct, as enumerated below. Information is furnished to the three maincredit reporting agencies, including [redacted], each time information is reportedto credit reporting agencies.   On March 12th, 2014 our office reported to thecredit reporting agencies that the dates of service of April 1st,2010 and May 24th, 2011 were satisfied. On February 17th, 2015 our office reported to thecredit reporting agencies that date of service April 2nd, 2012 wasat a zero balance due to bankruptcy filing. On February 23rd, 2015 our office reported to thecredit reporting agencies that date of service February 17th, 2009was at a zero balance due to bankruptcy filing. On May 18th, 2015 our office reported to thecredit reporting agencies that our office investigated and confirmed that dateof service April 2nd, 2012 was previously reported correctly.  Our office has reported all debt correctly to the creditreporting agencies. At this time it is the responsibility of the creditreporting agencies to report that information correctly.

Below is the portion of our office's complaint response related to our polices, procedures, and response to this complaint. The full complaint, including account history, is included in the attached document. [redacted]Portion of Complaint Response[redacted]Columbia is committed to collecting on outstanding debt...

onlyand not on previously paid debt. As 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 legalaction. In this instance our office filed case # [redacted] on all dates ofservice in our office at the time. This case was satisfied on 09/18/2012.However, our office had been assigned other debts after the filing of the 2009case. Our office filed case # [redacted] on all outstanding dates of service inour office at the time. Although the 2013 case incudes a date of service from2008 our 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 case. Many medical providers bill insurance as a courtesy.However, insurance is patient responsibility. As such it is the patient’sresponsibility to ensure that insurance is billed and billed correctly. Ouroffice is dedicated to ensuring that consumers have the ability to bill theirinsurance after the debt has been assigned to our office. In this instance ouroffice has mailed Ms. [redacted] itemized statements to facilitate insurancebilling. Additionally, our office has worked diligently with our client toconfirm the status of debts incurred in 2014. Three of the four 2014 dates ofservice are pending insurance rebilling or confirmation regarding principalbalances. Due to our office’s continued investigation into the status andbalances of such debts our office has removed the debts from Ms. [redacted]credit. This 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 agencies. In 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 2009 case. As such the amount paid by the consumer to satisfy the casehas been confirmed. Theincrease 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] account. Our office is committed toensuring that all consumers are served in a legal and proper manner. As suchour process serving vendor regularly reports service failures and provides ouroffice with affidavits of service as well as detailed invoices when consumersare served. Regarding both the 2009 and 2013 cases Ms. [redacted] was served throughsubstitute service at her address, which was confirmed as recently as04/07/2015. Substitute service is a legal method of service and the service wasperformed at Ms. [redacted] confirmed address. As such our office has no causeto believe that the service in either cases is invalid. Additionally,subservice does not require a signature, which was explained to Ms. [redacted] duringa conversation between our office and the complainant on 04/14/2015.  Garnishments are issued only when our office has an activejudgment against a consumer and Columbia is committed to issuing garnishmentsin a compliant manner. As such our Representatives are prohibited fromrequesting garnishments on debts not included in an active judgment or issuingexcessive garnishments. When 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 exempt. It is the bank’s responsibility to identifyapplicable accounts and forward funds. When a bank account with multiplesigners is garnished it is because the consumer is a signer and has access tosuch funds. Ms. [redacted] reports that a bank account that included her boyfriendand daughter was garnished. In this instance the bank remitted funds from suchan account because Ms. [redacted] is listed as a signer by the bank’sdetermination. Any complaints directed towards the bank will not be respondedto in this complaint. However, 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 exempt. Our officeis committed to ethical and compliant debt collection. Our Representatives areprohibited from extorting consumers for satisfaction of debt and there arepolices in place that dictate collection activity in a manner that preventsextorting behavior. Columbia and our client are working to confirm insurance rebilling andbalances on three of the 2014 dates of service. At this time the dates ofservice included in the 2013 case as well as date of service 06/21/2014 remainoutstanding and our office intends to continue collection activity

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 on05/21/2013, 07/30/2013, and 10/14/13. After each assignment our office mailedthe consumer a validation notice...

providing notification of the debt and theopportunity to request verification. Our office received no notice that thewritten communication was mail returned or otherwise not received. Aftersending validationletters, balance letters, and ma[redacted] phone attempts, ouroffice received no payments. Prior to initiating legal action our office sent Ms. [redacted]two letters, on 01/28/2014 and 02/21/2014, providing notification of ouroffice’s intent to continue collection activity and initiation of legal action ifsatisfaction of the debt was not received. Our office filed a small claims suitagainst Ms. [redacted] on 04/08/2014. Ms. [redacted] was served with the small claimspaperwork on 04/24/2014. On 05/27/2014 our office received a default judgmentagainst Ms. [redacted]. A wage garnishment was delivered to Ms. [redacted]’s place ofemployment on 06/13/2014 when satisfaction of the judgment was not received. On 06/16/2014 our attorney received a voicemail from theconsumer requesting validation of the debt. When our office received thisvoicemail the Representative ordered the itemized statements to be rushed toMs. [redacted]. Itemized statements were mailed to Ms. [redacted] on 06/24/2015, as soon assaid documentation was received by our office.Two wage garnishment remits were received, on 08/06/2014 and08/20/2014, but did not satisfy the amount on the garnishment. Wagegarnishments expire after 90 days and as such our office is required to renewthe garnishment at that time. The renewal was delivered to Ms. [redacted]’s place ofemployment on 09/15/2014.  On 10/01/2014our office received a response from Ms. [redacted]’s place of employment stating thatMs. [redacted] was employed.  However, noremits were received from Ms. [redacted]’s place of employment during the duration ofthe writ. On 12/12/2014 our office requested multiple bankgarnishments in an attempt to enforce the judgment. Our office received nofunds from the bank garnishments. Between 01/05/2015 and 03/18/2015 our office received fivewage garnishment remits outside of an active wage garnishment. Thesegarnishments did not satisfy the judgment. On 03/03/2015 and 03/17/2015 our attorney receivedvoicemails from the complainant’s place of employment requesting a payoffbalance for the writ. On 07/07/2015 a wage garnishment renewal, for the remainingbalance, was delivered to Ms. [redacted]’s place of employment. On 07/10/2015 our office received a voicemail from Ms. [redacted].On 07/13/2015 our Representative called Ms. [redacted] back. At that time ourRepresentative explained that bank garnishments were issued during the time ouroffice was not receiving wage garnishment remits, which added garnishment feesto Ms. [redacted]’s account. These garnishment fees and the interest explained thedifference between the balance provided in the second and third wagegarnishments. Our Representative offered to release the wage garnishment andwaive the third garnishment fees and arrange a payment plan with thecomplainant. On 07/16/2015 our Representative finalized the payment arrangementand set up authorized postdated payments.  Columbia is dedicated to providing consumers withnotification of the debt as well intended collection activity. Our officeprovided Ms. [redacted] with multiple notifications of the debt including validationletters, balance letters, and telephone calls. Additionally, our office sentMs. [redacted] two letters informing her of our office’s intended collection activityprior to filing suit. When our office received no notification that the writtencommunications were not received and our office received no payment our officeinitiated legal action. Ms. [redacted] was legally served with the small claimspaperwork. Upon each garnishment issuance our office provided Ms. [redacted] withnotification of the garnishment. In Oregon medical debt is considered a family expense. Thismeans that an individual is held liable for the debt of their spouse if marriedat the time of service. When our office is awarded a judgment it is ourresponsibility to enforce that judgment. Our office is committed to the ethicalissuance of garnishments to enforce judgments. As such our office restricts thenumber and frequency of garnishments issued against consumers. In this instanceour office sent two garnishments to Ms. [redacted]’s place of employment. When remitsceased during the active period of the wage garnishments our office attemptedto enforce the judgment through bank garnishments. Almost a month after thebank garnishments were issued Ms. [redacted]’s place of employment began remittingfunds. However, these remits were outside the active period of the wagegarnishment. It is the responsibility of employers to follow the detailedinstructions on the garnishment, which includes an explanation of the durationof the writ. In lieu of issuing a garnishment renewal, which would haveincluded garnishment fees being added to Ms. [redacted]’s account, our officeaccepted the remits. When our office received notice that the place ofemployment was unsure of the payoff amount our office issued a renewal, which includedthe updated payoff amount and a detailed list of the charges. This document wasprovided to Ms. [redacted] as well. Since Ms. [redacted]’s employer was issuing garnishmentremits based on the second, or possibly first, wage garnishment they wereunaware of the additional garnishment fees, which were the result of the bankgarnishments. Based on the outdated information it is reasonable for Ms. [redacted]and her employer to believe that the debt was paid or close to being paid. Toclarify the amount of the account our office sent the employer, and Ms. [redacted],updated garnishment paperwork. Fees accrued by Columbia while enforcingjudgments, including garnishments, are legally added to consumer accounts. However,as a courtesy our Representative released the most recent garnishment for apayment arrangement and waived the garnishment fees to accommodate Ms.[redacted].  Our office is committed to being available forconsumer/employer questions and concerns. However, our office experiences alarge call volume and as such callers may need to leave the Representative avoicemail. Representatives are mandated to return all voicemails within onebusiness day of its receipt. In this instance the Representative promptlycalled the complainant back when Ms. [redacted] left a voicemail. However, theRepresentative failed to return the calls of Ms. [redacted]’s place of employment.The appropriate Representative will be coached on their availability and voicemailmaintenance. This session will highlight the importance of prompt call returnsto consumers as well as employers.  Columbia is committed to providing verification of the debtwhen requested by consumers regardless of the validation period. As such whenconsumers request validation of the debt outside the validation period ouroffice will provide such documentation to consumers regardless of our officehaving no legal mandate to do so. In this instance, Ms. [redacted] requestedvalidation and our Representative rush ordered said documentation to be mailedto Ms. [redacted]. Our office is dedicated to furnishing only correctinformation to credit reporting agencies. As such our office is reporting Ms.[redacted]’s debt as outstanding as there is still a balance on record. Once the debtis satisfied our office will report such information to the credit reportingagencies. At this time the debt remains outstanding and a payment planhas been arranged with Ms. [redacted].

Complaint: [redacted]
I am rejecting this response because: You continue to claim that the itemized statements "take some time" to be sent however your agent that I initially spoke with indicated it would take approximately two (2) weeks for me to receive. It has been four (4) months and I have still not received my itemized statement. My personal credit is being negatively affected due to your inability to provide me with a proper validation of my debt and what you are essentially doing is parking a debt by failing to provide proper documentation of the debt. You are obligated to validate the debt in a timely manor and oh have repeatedly failed to do so. 
Sincerely,
[redacted]

The full complaint response, including account history, is included in the attached document. 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, correspondence, and company notes related Ms. [redacted] account. Our office has filed two separate small claims suits in regards to Ms. [redacted]; one filed in 2014 and the other filed in 2015. The debts included in the 2014 judgment are from the date range of September 2008 through December 2013. Our office was assigned these debts between 02/17/2009 and 05/14/2014. The debts included in the 2015 judgment are from the date range of May 2014 through December 2014. Our office was assigned these debts between 12/15/2014 and 04/23/2015. Ms. [redacted]’ estranged spouse is listed as the patient for all dates of service. After each assignment of debt, our office mailed validation letters; providing Ms. [redacted] with notification of the debt and an opportunity to dispute the debts. These notices, as well as all written communications, were mailed to Ms. [redacted] address, which was provided to our client. Our office was able to confirm this address with Ms. [redacted] on 01/08/2015. Our office has not received notice that these written communication were mail returned or otherwise undelivered. Our office sent seven balance letters to Ms. [redacted] confirmed address between 03/25/2009 and 06/14/2015. Our office contacted the patient on 7/28/2010, 8/05/2010, 9/29/2010, and 11/05/2010. During this time, the patient informed our Representative that financial hardship (unemployment) prevented the satisfaction of the debt or a payment arrangement. When no payments were received and our office had notification of a place of employment for Ms. [redacted], a small claims suit was filed 08/28/2014. Prior to filing a legal suit, on 06/29/2014, our office sent a letter to Ms. [redacted]’s confirmed address, informing Ms. [redacted] and the patient of our office’s intent to initiate legal action and provided them an opportunity to satisfy the debts prior to this action. Our office was awarded the judgment on 11/28/2014, and a garnishment was delivered on 12/30/2014 to the complainant’s employer. On 01/08/2015, our office received correspondence from Ms. [redacted] requesting validation and other additional information. This request was received outside the validation period and our office had no legal obligation to provide documentation. The address our office had on file was included in Ms. [redacted] correspondence. In response to this correspondence, a Representative requested that itemized statements be ordered from our client and sent to the consumer. Our office was able to rush order the itemized statements, and they were sent to Ms. [redacted] address the same day, 01/08/2015. On 02/02/2015, Ms. [redacted] called into our office and spoke with a Representative. The complainant requested the itemized statements. The Representative informed Ms. [redacted] that they were mailed on 01/08/2015, in response to Ms. [redacted] previous request. However, our Representative offered to re-send the documentation to ensure that the requested documentation was received by the complainant. At this time, there were no discussions by Ms. [redacted] of her marriage date or divorce date. On 02/09/2015 the itemized statements were re-sent to Ms. [redacted]. On 03/19/2015, our office received a garnishment payment, from Ms. [redacted] place of employment, which satisfied the 2014 judgment. On 06/05/2015, a satisfaction of the 2014 judgment was mailed to the Marion County Courts and to the verified address of Ms. [redacted] and the patient. When no payments were received on the remaining debts in our office, a small claims suit was filed 08/13/2015. Prior to filing the legal suit, 07/09/2015, our office sent a letter to Ms. [redacted]’s confirmed address informing Ms. [redacted] and the patient of our office’s intent to initiate legal action and providing them an opportunity to satisfy the debts prior to this action. On 08/20/2015, Ms. [redacted] was personally served with the small claims documents for the 2015 case. On this day, the patient called into our office and spoke with the Representative. Based upon the parties’ financial situation, a monthly payment arrangement to satisfy the claim was agreed to. Our office was awarded this judgment on 10/09/2015. On 09/02/2015, Ms. [redacted] called our office and stated that the patient’s paycheck was being held and would not be available prior to the payment arrangement due date. The agreed upon payment amount was not received by the due date. A garnishment was delivered to Ms. [redacted] confirmed place of employment on 11/17/15. On 11/19/2015 Ms. [redacted] called our office and informed the Representative that the debts were for the patient and that she would be filing for divorce the next day. Ms. [redacted] stated that she was not responsible for the debts. This was the first notification our office received that the patient and the complainant were divorced or separated. At that time, the Representative informed Ms. [redacted] that in Oregon an individual is responsible for the medical debt of a spouse if they were married at the time of service. Ms. [redacted] informed our office that they had only been married for 3 years, but did not provide a date of marriage. During this call, Ms. [redacted] asked why our office was not attempting to collect the debt from the patient. Our Representative informed Ms. [redacted] that at the time of the initial garnishment, 12/30/2014, our office confirmed that the patient was not employed and as such garnished Ms. [redacted] wages. When the garnishment for the 2015 suit was issued, our office sent the garnishment to the previously confirmed place of employment, Ms. [redacted]’s. Additionally, our representative informed Ms. [redacted] that issuing two garnishments on one household would create a hardship and as such our office does not engage in this behavior. On 11/27/2015, in response to this complaint, our office confirmed that there was no divorce date on file for Ms. [redacted]. On 12/01/2015, while reviewing the account and conducting the investigation for this complaint response, a Representative called Ms. [redacted] to receive Ms. [redacted]’s date of marriage and divorce. Ms. [redacted] stated that she was married on 06/22/2012 and separated on 09/01/2015. Validity of the Debt Columbia is dedicated to engaging in collection activity only when an individual is liable for a debt. As such, Representatives are prohibited from engaging in collection activity when it is known that an individual is not responsible for the debt. Additionally, in Oregon medical debt is considered a family expense. This means that an individual is held liable for the debt of their spouse if married at the time of service. In this instance, we had documentation from the client listing Ms. [redacted] as the patient’s spouse. It was not until 11/19/2015 that our office was made aware that Ms. [redacted] may have been divorced from the patient and received a definite year of marriage. On 12/01/2015, our office was able to confirm Ms. [redacted] marriage date, when this information was requested as part of an account review and the investigation for this complaint response. Review of the account in light of this information showed that Ms. [redacted] was not married for seven of the thirteen dates of service included in the 2014 case. The remaining six dates of service in the 2014 case and all dates of service in the 2015 case occurred during the time of marriage; as such, Ms. [redacted] is liable for these dates of service. Columbia is committed to ethical legal practices and as such all employees of Columbia are prohibited from falsifying documents or information provided to consumers or the courts. Prior to 11/19/2015 our office had documentation that Ms. [redacted] was the patient’s spouse and had no reason to believe that the two parties divorced, or knowledge or the specific date of marriage. As such, when the 2014 and 2015 cases were filed, our office was acting on the information available and in good faith. No documentation or information was falsified when the cases were filed, judgment was requested, or when enforcing the judgment through garnishment. In response to this investigation a Supervisor called Ms. [redacted] on 12/02/2015. During this conversation, the Supervisor informed Ms. [redacted] that our office reviewed the 2014 judgment and was able to confirm that Ms. [redacted] was not responsible for a portion of the dates of service. To remedy this, the Supervisor informed Ms. [redacted] that our office will complete the following steps: 1. Release the wage garnishment delivered on 11/17/2015; 2. Return all garnishment funds received in regards to the 2015 judgment without processing the payment; 3. Refund the funds remitted from the 12/30/2014 garnishment; this will be sent to Ms. [redacted] at her confirmed address after the settlement agreement has been singed and returned to our office; 4. Send a motion to the court to set aside the judgment in both the 2014 and 2015 cases; 5. Issue deletion instructions to credit bureaus for all dates of service in our office. Notification of the Debt Columbia is dedicated to providing consumers with notification of their debt and providing consumers an opportunity to resolve validation issues as well as satisfy the debt. As such our office sends consumer validation letters, which informs consumers that the debt was in our office and provides them with an opportunity to dispute the debt. Additionally, balance letters and telephonic communications occur throughout the collections process. Prior to filing legal action our office informs consumers of our office’s intent as well as providing them with an opportunity to satisfy the debt prior to this action. In this instance our office sent validation letters for each debt assigned to our office as well balance letters and letters prior to legal action. All written communications were mailed to the address provided to our client and the address that Ms. [redacted] confirmed on multiple occasions. Additionally, telephonic communications were made to both the patient and Ms. [redacted]. In regards to the small claims documents, Ms. [redacted] was legally served through substitute service in 2014 and was legally personally served in 2015. The small claims documents clearly indicate Ms. [redacted] options including requesting a hearing to dispute the debts in court. Due to the fact that no response was received by the courts our office’s request for default judgment was honored. Collection Activity - Patient Columbia is committed to engaging in collection activity with regards to all liable parties. In this instance, our office sent written communications to the patient. In 2010, our office had multiple conversations with the patient in an attempt to resolve the debt but was unable do so as the patient was unemployed. In August of 2015 our office spoke with the patient and was able to negotiate a payment arrangement. During this conversation, our office was informed that the patient was currently employed. That payment arrangement was defaulted on. Our Representatives are prohibited from issuing wage garnishments for more than one person in a single household as this would place the household in a financial hardship. As such when the garnishment was sent to enforce the 2014 judgment it was sent to Ms. [redacted] place of employment because the patient was, at the time, unemployed according to previous conversations with the patient. In a similar fashion even though our office had the name of both Ms. [redacted] and the patient’s place of employment at the time of the 2015 garnishment only one garnishment was issued to Ms. [redacted] place employment. This is because our office had confirmed the place of employment lead through the previous garnishment. Documentation Request Columbia is dedicated to providing the consumer with validation of the debt when this information is requested. Although our office only has a legal obligation to provide this information when it is requested in the validation period and in writing, our office works to provide this information regardless of when it is requested. In this instance, our office received a written request for validation outside the validation period, on 01/08/2015, and sent that information to Ms. [redacted] address the same day. Additionally, when Ms. [redacted] indicated that this documentation was not received our office re-sent the validation. The validation for the dates of service included in the 2015 judgment was sent to Ms. [redacted] address when they were requested outside the validation period as well. At this time our office has: 1. Sent a release of the wage garnishment delivered on 11/17/2015, this was done twice through fax and our office has sent a physical copy as well; 2. Prepared a refund check, for the funds remitted from the 12/30/2014 garnishment, that will be sent to Ms. [redacted] at her confirmed address after the settlement agreement has been singed and returned to our office; 3. Sent a motion to the court to set aside the judgment in both the 2014 and 2015 cases; and 4. Issued deletion instructions to the credit bureaus for all dates of service in our office. If any are received, our office will return any funds received in relation to the 2015 case from Ms. [redacted] place of employment that may have been remitted prior to the garnishment’s release. Additionally, our office has sent a settlement agreement to Ms. [redacted] with the terms listed above and our office is pending the receipt of the physical signed agreement, our office received a copy by fax on 12/04/2015.

Complaint: [redacted]I am rejecting this response because:
The business never sent the supporting documentation they were required to. I 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 delivery. Sending it now is irrelevant. They had multiple chances to send it, yet took legal action after 3 documented attempts to contact them to provide it.
Sincerely,[redacted]

Revdex.com ComplaintComplainant: [redacted] Columbia Account # [redacted] Revdex.com Case # [redacted]--Columbia appreciates Mr. [redacted]responding to our office’s complaint response. Columbiadoes not delete or remove debt from credit reports. The only exception is whendebt is invalid and thus was reported in error. Our office received neither adispute from Mr. [redacted] within the validation period or information from ourclient confirming that the debt as invalid. As such our office is mandated toreport the debt to the credit reporting agencies. Ouragreements with the credit reporting agencies and the Fair Credit Reporting Actrequire that only information known to be accurate is furnished to creditreporting agencies. Deleting verified debt once the debt is paid, a paymentarrangement has been agreed to, or when our office is sending a consumervalidation of the debt outside the validation period would be reportinginformation known to Columbia to be false and would constitute falsifyingconsumer credit reports. Judgmentsare reported by the courts, in this case Clackamas County Court. Judgments arereported by the courts as satisfied once they have received notification thatthe debt has been paid in full. Our office will respond to allcomplaints directed to our office. Any complaints regarding court’s policesregarding credit reporting will not be addressed in this response.At this time the debt remainsoutstanding. Our office intends to continue with collection activity andintends to report the debt to credit reporting agencies as outstanding untilthe debt has been satisfied. Additionally, our office’s request for validationfrom our client is still pending but our office intends to provide Mr. [redacted]with that information once it has been received by our office.

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 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 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 calls. Summary of Findings The debt was assigned to our office on or about 02/16/2017 and on 2/17/2017 an initial notice was mailed to the address provided at the time of service, which is the same address you provided in your complaint. You placed a call to our office on 2/20/2017 and spoke to a representative. At that time, you did not request itemized statements. You called again on 2/22/2017 and spoke to a representative. At that time, you did requested itemized statements. Our representative informed you that she was ordering them and that it would take some time before we received them. She advised that we would send them to you once received. On 3/7/2017 your father [redacted] called and spoke to a representative. At 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 receipt. On 4/24/2017 [redacted] called again and left a voicemail. Our office promptly returned the call but there was no answer. Our representative tried to return the call again on 5/26/2017. Our representative called and spoke to you on 6/20/2017.  They explained some information we had received from the original client and that the itemized statements would be sent. You acknowledged the information provided to you and stated you would call back at a later time. Explanation 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 compliant. Upon 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 compliant. In addition, all phone messages and calls have been returned promptly. For your convenience, we have attached a copy of the itemized states for the debt in question with the answer to this 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.

Revdex.com:ok. That sounds fair. As long as I receive a validation of this debt. That you for looking into this matter. I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Sincerely, [redacted]

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 Inc. was unable to find an account in our system matching the customer...

information you provided in the complaint. We welcome you to call and speak directly with a manager who can work with you to locate an account if one exists. Please call us at [redacted] or 800-807-3476 ext. [redacted].

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 telephonic recordings and company notes, related to Mr. [redacted]...

account. 
The debts in question were assigned to our office between the dates of 08/05/2003 and 04/09/2012. 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 debt. Our office also made typical collection efforts including phone calls and letters.
On 05/17/2011, Mr. [redacted] spoke to a Representative. He stated that he was in the process of filing for bankruptcy and gave our office his attorney’s information; this was notated in the account. On 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 7 bankruptcy notification for Mr. [redacted]; filing date of 04/30/2012. Mr. [redacted] bankruptcy filing was notated in our system. On 5/12/2012 our office furnished information to the credit reporting agencies listing the debt as included in a bankruptcy filing. 
On 08/15/2012 our office received notification that the bankruptcy had been discharged. That same day, our office completed all the necessary steps to update the complainant’s accounts. Those 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 report. The Representative advised Mr. [redacted] that Columbia reported the accounts to the credit bureaus as discharged through bankruptcy. Mr. [redacted] told the Representative his credit report did not reflect this. The 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 report. In this instance our office reported the bankruptcy discharge information the same day that our office received the notification. All 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 it. The 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 manner. In 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 08/15/2012.

Complaint: [redacted]I am rejecting this response because:[redacted] is reporting that the collection agency is still currently reporting this as an open collection as of 2 weeks ago. [redacted] will not stop reporting it as closed until they stop reporting it as an open collection, I have disputed it with them several times they insist the collection agency is still reporting it as an open collections until they report it closed.Sincerely,[redacted]