Convergent Healthcare Recoveries, Inc.

Initial Business Response /* (1000, 9, 2016/09/28) */
We have received your complaint and afford the following response:
Our records indicate we received your account from Reading Health Systems on 3/7/for the amount of $The validation notice was sent to you on 3/10/
No
contact was made to you other than the notice being sentOur client closed the account from our office on 9/1/The account was removed from any of the national credit reporting agencies and should not affect your credit rating
If there are any further questions, please call 866-867-to speak with one of our staff
*** ***
Director of Operations::

To whom it may concern, In response to the complaint above Convergent Healthcare Recoveries is licensed in the state of Florida and the Florida Office of Financial Regulation (OFR) License Number is *** This license number gives us the authority to collect in the state of Florida.If I
can be any further assistance in this matter please contact me at ***. Thanks, *** ***

To whom it may concern, I have reviewed the account in question and listened to the recorded call and below are my findings: On 12/05/at 11:27am CST *** *** contacted our office from the notice she received from us. Her concern was that she had never received a notice from the
original provider prior to the debt coming to collections. She also expressed that she had health insurance that would have covered the charges. The representative ask *** for the account number and to verify her first and last name and the last digits of her social security number to ensure she was speaking to the correct party. Once the representative established she was speaking to the correct party she advised Ms*** that our records showed Medi-cad as the primary insurance. Ms*** stated that was the correct insurance. Ms*** stated at this time that around this time of the year is the renewal period for her insurance and that the bill possibly wasn’t resubmitted and she would be contacting them to find out what was going onOn this call Ms*** never expressed that these services were not rendered to her or that she felt that someone was using her information illegally. The issue of credit or credit reporting was never discussed with Ms*** on this call, but for this client we do not report to the credit reporting agency.I have taken the liberty to request a detailed billing showing the services rendered on this date of service for Ms*** records. Once Ms*** receives these documents, and if she still feels this is identity theft she will need to take the proper steps in reporting this matter to her local authorities If I can be further assistance please contact me *** *** @ T***. Sincerely, *** ***Collection Manager I have taken the liberty to request a detailed billing showing the services rendered on this date of service for Ms*** records. Once Ms*** receives these documents, and if she still feels this is identity theft she will need to take the proper steps in reporting this matter to her local authorities

I am rejecting this response because:
Clearly from their own omission, this debt can not be validated. This debt should be removed from my credit report with all three agencies. This debt should have never been on my credit report as I had insurance to cover ALL procedures performed.

Initial Business Response /* (1000, 11, 2015/07/08) */
We have received you complaint and offer the following response.
We are a medical debt collection agency. We abide by the HIPAA law that mandates we would identify the proper party prior to revealing the details of the debt. This is to...

ensure that we are not giving out any protected health information to an incorrect party.
We receive phone numbers from our clients and in the event of a wrong number, we remove the information from the account and would continue with skiptracing efforts to find additional contact information.
If I can be of any further assistance, please do not hesitate to contact the office.::

Initial Business Response /* (1000, 10, 2015/09/24) */
Our office received the outstanding balance from our client, CF Medical LLC on 7/31/2015. CF Medical LLC is a debt purchasing company and purchased the bad debt account from the original creditor/provider.
The original provider, Christus...

Spohn Hospital, rendered services on 3/29/10 to [redacted] with a date of birth of 02/24/1965. Blue Cross Health Select, the insurance carrier listed at the time of service, was billed for the total charges of $9,488.04. The carrier paid the amount of $2,128.87 and an adjustment of $6,727.04 was applied to the account. The remainder balance of $632.13 was listed as patient share.
If my office can be of any further assistance, please don't hesitate to contact us directly.
Thank you.

Initial Business Response /* (1000, 10, 2015/07/07) */
We have received your complaint listed above and offer the following response.
We received an account from [redacted] Health Systems on 3/16/15 for the amount of $200.00. We received payments reported to our office from the provider on 4/17/15...

in the amounts of $30.00 and $77.55, leaving a balance remaining of $122.45.
On 6/8/15, you called our office stating you had an outstanding balance on your credit file and would like to pay the balance off in full. You gave our rep your visa card to pay the balance off in full.
On 6/15/15, we reported the balance as paid in full to the credit bureaus.
Initial Consumer Rebuttal /* (2000, 12, 2015/07/09) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2015/08/13) */
We have received your complaint and offer the following response.
We received an inquiry on our website from you in regards to the same complaint after you submitted to us your insurance information. We sent your insurance information to the...

provider to have billed. The provider requested we close your accounts in our office prior to receiving this complaint.

Initial Business Response /* (1000, 11, 2015/08/25) */
We have received your complaint and offer the following response.
We received your account on 6/29/15 in our office for collections. The validation notice was sent out on 7/2/15 to the address on file. Our office spoke with you on 7/7/15 in...

which you indicated you didn't know why the account was not billed to you before collections and that you were calling the provider about it.
Attempts to contact you were made over the following week. On 7/22/15 you contacted our office stating that we were harassing you and stated our toll free number wasn't going through. The rep noted that the person on the line refused to identify themselves and stated she should call the cops on us as we were not a legit company.
The provider advised of payment received on the account on 7/24/15 to close the account here in collections.
If there are any further questions, please do not hesitate to contact our office at the toll free number of XXX-XXX-XXXX.
Initial Consumer Rebuttal /* (3000, 13, 2015/08/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
When I spoke to a rep on 7/22 because of a bill I had received from convergent, dated AFTER making payment directly to the hospital on 7/13 for the exact amount I had paid in person to the hospital on 7/13, your rep responded and simply stated "we have not heard from OSF stating your account has been paid". So in response, I asked your rep to re-issue a new billing statement so that I could bring it with me to the hospital along with my receipt of payment for the account in question, and the rep denied to mail me a new statement because I denied to further identify myself BECAUSE OF HOW UNPROFFESIONAL YOUR COMPANY IS. If you are calling me, about my account, and you're also mailing me, why do I need to further identify myself if you know my name, address and telephone number to harass me by? I don't play stupid games. Your rep should have simply re issued a statement so I could have settled it at the hospital since convergent declined to contact the hospital, and the Hospital had supposedly not contacted convergent to clear my account as paid. You withheld the tools I needed then to prove I paid the account.

Initial Business Response /* (1000, 17, 2015/06/23) */
After reviewing our files, we found the accounts in question and have researched the accounts with our client.
Payments arrangements were set up for $55 per month back in Aug of 2012. In Nov 2012 the notes show a conversation with the...

provider stating that $400 was paid on 10/3/12 and that her insurance company states was in full and should have a refund issued.
Subsequent notices were sent with no response to making payments on the outstanding balances.
The accounts were placed in collections Oct of 2014. the first discussion with patient was on 2/17/15 and at that time stated that she had been issued a refund and wanted to speak to the provider's office prior to making any arrangements. There are no notes of a request made for itemization of the bills.
A request for itemized statements have been made to the provider given this complaint. Once the itemized statements are received they will be forwarded to the address on file.
Your accounts have been marked as disputed.::
Initial Consumer Rebuttal /* (3000, 19, 2015/06/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not consider this matter closed until I've received the itemized statements requested and some resolution is reached. However, I am confused why it states "In Nov 2012 the notes show a conversation with the provider stating that $400 was paid on 10/3/12 and that her insurance company states was in full and should have a refund issued." and yet payment is still expected. As I read it, the provider states the $400 was paid and it was paid in full - overpaid in fact. Therefore I don't understand where the collection came from any why I am being asked to pay additional amounts.

Initial Business Response /* (1000, 7, 2015/06/23) */
We have received the complaint and offer the following response.
The accounts were placed in our office on 1/9/15. We received a phone call from you on 3/16/15 stating that you had received our letters and want more proof of the type of service...

you received. When the representative told you we do not have the description of the services you received, you stated if we worked for the provider we should have what the details. The representative advised that you could call your insurance company as they would have the information, but you refused and ended the conversation.
The following day, we received an e-mail on our company website telling us to Cease and Desist any communications with you. You wanted us to remove your number from our dialer system and never to contact you again.
In light of your request to cease and desist any contact with you, we were unable to provide any documentation of the accounts here in collections.
Your accounts were marked as cease and desist and your number was removed from our dialer system.
We are unable to forward any itemized statements of the charges as per your request for no contact.::
Initial Consumer Rebuttal /* (3000, 9, 2015/06/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
as a debt collector the burden of proof is with you. when I made a dispute you must provide proof not tell me to seek it myself. I have called my insurance company they tell me I owe nothing.
As for the cease and desist it clearly states you are allowed communication via USPS only. that is a clear indication you were allowed to send proof via the mail you refused.
It is clear your company has violated the law by reporting a debt I do not owe to the credit agencies when I have been disputing it and clearly do not owe it per the insurance company you told me to call.
Since I had to seek the proof on my own and now have the proof I do not owe anything I have given myself the proof and am therefore wondering why your company contacted me in the first place.
Since I have found I owe nothing, and I have proof I owe nothing, I am asking your company for proof of debt. As I stated before simply saying I owe this much money means nothing, the insurance company has said I owe nothing. I want to know the itemized billing how you came to how much I owe since the insurance says I owe nothing.
Since you agree you failed to send proof of debt since March 16th 2015 and have not followed law of providing proof of debt withing 15 days I expect this will be dropped from my credit report within 10 days. Clearly your company has not followed the law.
I have clearly been disputing this matter, as your company acknowledged I requested proof of debt as was denied it from your company yet you report it on my credit report. a clear violation of the law.
You speak of nothing of the faxes I sent your company, the certified letters? only 1 email you acknowledge.
I expect this matter to be resolved shortly. Whomever paid you to harass me, that is the person YOU are required to go to and get an itemized bill. down to the last post it note they are billing me for since the insurance company says I owe nothing and your company is bulling me into paying a debt I do not owe to clear my good name you have tarnished with lies of debts.
These lies of debts have lowered my credit score simply due to the fact your company refuses to follow the law. I did not end the phone call your rep hung up on me because they would not listen. I want the tapes of the conversation sent to me, this is a request of evidence that [redacted] be used at a later date for a civil and criminal case against your company the reps.

Initial Business Response /* (1000, 13, 2015/05/01) */
We have received the aforesaid complaint and offer the following response.
We received the account in our office on 12/15/14. The provider, [redacted] Ambulatory Care, shows services in the amount of $95.54 outstanding for date of service...

of 01/02/14.The original balance for the account was $327.00. Payment totaling $50 was posted with adjustments totaling $181.46. The remaining balance was placed with collections.
Your dispute was received in our office and referred to our client for investigation. In the meantime, the account has been deleted from your credit file and closed from our office as disputed.
We have provided a copy of this complaint and response to our client, [redacted] Ambulatory Care for their review.
Initial Consumer Rebuttal /* (2000, 15, 2015/05/05) */
(The consumer indicated he/she ACCEPTED the response from the business.)
A $95 bill was disputed because I went for an Ultra Sound and was not able to get one after waiting 2 hours and was billed a doctor fee anyway by the OBGYN. They have removed it from my credit report which is what I requested. My primary Doc bill was paid with no dispute. They seem very confused, because the only open bill is the $95 which was disputed since 2014 for services not rendered

To whom it may concern, The information provided to us from our client is limited due to the HIPAA laws we are governed by, therefore we are unable to determine what the services were rendered for the account in question.  I have labeled the account as disputed in our office and requesting an...

itemized state to be forwarded to Mr. Joseph Skaggs at the address provided for him in this complaint.  Once this information has been received and forwarded we can proceed with the investigation. Thanks,  [redacted]