Country Fed Meat Co

? Complaint: [redacted] I am rejecting this response because:Upon reviewing your response, you state that the alleged debt is no longer up collection and you state that the alleged debt is out of statueTherefore, I need you to remove the alleged debt from all credit bureau reports immediatelyI never had a contract with Smith, Rouchon and Associates but the alleged debt was reported to these credit bureaus agencies as if I owed the $to Smith, Rouchon and AssociatesThe statue has run out and I want the collection removedIt is still affecting my credit and that is unacceptableI require validation and verification of my signature on a contract with the agency Smith, Rouchon and Associates within thirty daysI have also attached the other alleged debt amounts provided to the credit bureaus by Smith, Rouchon and AssociatesPlease remove all of the alleged debt from all three of the credit bureaus immediatelyThank you Regards, [redacted]

To Whom it May Concern,Thank you for notifying us of the recent complaint submitted by Mr [redacted] .? We are very interested in preserving the goodwill and confidence of our customers.? I appreciate the opportunity to respond.The account in questions stems from a 2/2/date of service.? The account was placed in collection 10/24/13.? With no? response to collection calls and letters, the account was? reported to the credit bureaus on 1/28/14.? Collection attempts continued and we finally spoke to Mr [redacted] about the account on 2/3/15, he refused to speak with our collector and refused any sort of payment.On 3/22/17, we received a credit card payment from Mr [redacted] via our online payment site.? The credit card payment was ran that same day and the account is now showing paid in full.? There is no documentation showing where Mr [redacted] called our office to ask how/when his credit report would be updated.? Had he called, he'd have been told that we report to the credit bureaus once per month and that his payment would be reported to the bureaus in our next regularly scheduled report.? Our April reports were created yesterday and are being sent to the credit bureaus today.? The bureaus take 5-business days to process the reports.Should any further information be needed to close this complaint, please feel free to contact me.Best regards, [redacted] CFOSmith, Rouchon and Associates, Inc.? ?

? ? Complaint: [redacted] I am rejecting this response because:Smith, Rouchon & Associates are reporting to credit bureaus as if I owe this alleged debt to themI DO NOT OWE A DEBT TO SMITH, ROUCHON & ASSOCIATES.? My credit report does not list [redacted] ? as the creditorAlso, open accounts have a statute of limitations period of three (3) years from the initial due date on given accountYou also state that you cannot locate the other alleged debts submitted for collectionThe account numbers are [redacted] in the amount of $which you stated in a previous letter was the original amount for the $under account # [redacted] However, both are still on my credit reportThere is also # [redacted] in the amount of $with a date of 12/06/which makes it past the statute of limitations for collection but still on my credit report for all three credit reporting agenciesThere is also # [redacted] in the amount of $with a date of 08/19/also outside the statute of limitations for my state but still on all credit reportsI need accounts # [redacted] , # [redacted] , # [redacted] removed immediately.Additionally, I am allowed under the HIPAA to protect my privacy and medical records from third partiesI do not recall giving permission to release my medical information to a third party.? I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient’s authorizationTherefore my request is threefold-? VERIFICATION and VALIDATION of debt, HIPAA authorization and removal of collections on my credit reports.·? ? ? ? ? ? ? ? ? Please provide breakdown of fees including any collection costs and medical charges·? ? ? ? ? ? ? ? ? Provide copy of my signature and valid identification with the provider of service to release my medical information to youProduce a true copy of the ORIGINAL contract with my signature on it AND a copy of your ORIGINAL contract with me AND my signature on it agreeing to do business with? Smith, Rouchon & Associates·? ? ? ? ? ? ? ? ? Cease any credit bureau reporting and remove off credit reports immediatelyOnce removed I need an updated credit report and letter from Smith, Rouchon & Associates detailing said action taken i.ecredit report removal.Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written requestI request full documentation of what you received from the provider of service in connection with this alleged debtAny reporting of this debt to the credit bureaus prior to verifying it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agentIf this is not removed off of my credit report I will proceed with legal action.? Regards, [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.? Regards, [redacted] As of? Friday April 22, I haven't seen where? anything has been updated and neither has? my credit report hasn't been updateThe response from Smith & Rouchon stated that they will be updating my information to the credit bureaus?

Upon receiving this complaint as well as an email directly from Ms [redacted] , I have reviewed the account for her son, [redacted] .? My review included reviewing all notes on the account, speaking with the account rep ( [redacted] ***),? the? account rep's manager ( [redacted] ***)? and listening to our recordings of both the phone call with [redacted] and Ms [redacted] .When Ms [redacted] called [redacted] , there was no mention of putting anything on his credit report.? Ms [redacted] stated why she was calling and he asked questions about the account which were answered by Ms***.? He didn't tell her he was a football player.? He only told her that his coaches usually take care of bills and asked Ms [redacted] to call his mother to discuss the account.? Ms [redacted] took his mothers name and phone number down and told [redacted] she'd call her.? There was nothing threating in the call and there was no indication from [redacted] 's tone that he was upset by the call.When Ms [redacted] spoke with Ms [redacted] , she was obviously upset that we'd called her son about the account.? Ms [redacted] advised Ms [redacted] that her son played football for [redacted] and the school should pay for the bill.? She went on to tell Ms [redacted] how she'd scared [redacted] with her call.? That was never and is never our intent with our calls.? [redacted] 's name and telephone number was the only contact information listed on the account which is why he was called.? The call ended when Ms [redacted] began using obscene language with Ms***.Ms [redacted] called back and spoke with [redacted] ***...she is Ms***'s manager.? She told Ms [redacted] that she wasn't happy with Ms***.? They went on to resolve the account with Ms [redacted] agreeing to send in the balance due on the account.Again, our goal is to reach account resolution but never in a threatening way.? We appreciate the opportunity to address this complaint.? If further information is needed please feel free to contact me.?

Thank you for notifying us of the recent complaint submitted by Ms [redacted] . We are very interested in preserving the goodwill and confidence of our customers and appreciate the opportunity to respond.The account Ms [redacted] is referring to was forwarded to us for collection on 11-18-for medical services she received on 6-12-13. When the account was initially placed for collection, calls and letters were generated to Ms [redacted] without a response. The account was reported to Trans Union and Equifax on 2-24-14.On 5-12-we received an online payment via bank draft for $117.00, clearing the balance to show the account as paid in full. That payment was reported to Trans Union and Equifax on 5-19-advising they show the account as paid in full.As is our current policy, accounts balances are updated monthly with the credit bureaus...however, paid in full accounts are not deleted until they have been paid in full for a minimum of days. This gives ample time for payments to clear the bank before the deletion takes place.There are no notes documenting the phone calls Ms [redacted] says were made and she was treated rudely. I've also checked our incoming and outgoing recording system and find no calls to or from the telephone number of [redacted] .Please let me know if I can be of further assistance.

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.? Regards, [redacted] ?

Thank you for notifying us of the recent complaint submitted by Mr***.? We are very interested in preserving the goodwill and confidence of our customers.? I appreciate the opportunity to respond.Upon receiving this complaint, we reviewed the recording of the telephone call between Mr [redacted] and our collector.? ? After hearing the phone call, our Vice President ( [redacted] ***) felt there could have been room for improvement in the customer service that Mr [redacted] received.? Today, she personally called Mr [redacted] to discuss the telephone call between him and the collector.? She assured him our collectors are trained to be sensitive to consumer financial constraints and apologized if he felt he'd been treated harshly.? The call to Mr [redacted] went very well, resulting in a clear understanding of his account and a payment plan that suits his current situation.The collector involved has been? made aware of the complaint made against her.? She has undergone simulation with management on ways that this complaint could have been avoided.If you have any further questions concerning this complaint and its resolution, please feel free to contact me at (601) [redacted]

Thank you for notifying us of the recent complaint submitted by Ms [redacted] . We are very interested in preserving the goodwill and confidence of our customers. I appreciate the opportunity to respond.The account in collection is from services rendered 7/28/14. Statements asking for payments were sent to Ms [redacted] from 9/15/until the account was placed for collection due to non payment on 7/7/15. There were never any payments received prior to the account coming to collection.The rep assigned to Ms [redacted] account did give her the opportunity to make payments toward the balance since she was unable to pay it in full...three times the rep set Ms [redacted] on a payment plan, both times the agreed upon payment arrangements were not kept by Ms [redacted] .We often utilize what we call re-workers to work behind reps that have broken payment plans. That is the call she received from Mr***. We have listened the telephone conversation between Mr [redacted] and Ms [redacted] . Mr [redacted] did just as he was trained to do. At the age of her account and the three previous broken payment plans, Ms [redacted] offer of "I will pay what I can when I can" is not an acceptable offer. Mr*** then relayed information to Ms [redacted] about the direction of the account, the information wasn't given in a threatening way, but rather informational. When someone refuses to pay, litigation is often the next step. Her account is being prepared for pre-legal review at this time so she will not receive any future calls from Mr***. Any future calls, correspondence and/or payments should be directed to this office as our client isn't going to want to bring and account of this status and age back into their monthly billing cycle. While we do train our staff to be sensitive to the situations surrounding the reason a debt hasn't been paid, we have also learned in our years of providing collection services to recognize when a person truly intends to work with us toward getting a debt paid off.

The referenced account for Ms [redacted] was placed in our office for collection on 10-2-15.? We indeed show the account was paid via check-by-phone on 3-22-16.? We send complete updates to the credit bureaus monthly.An update will be sent on Ms***'s account this week.A paid in full receipt was mailed to Ms***'s per her request on 4-18-

As explained in my first email....because the Statute of Limitations has run, we are no longer actively attempting to collect the debt.However, once an item is reported to the credit bureau, the keep it listed for years from the date of first report. This is their rule, not ours.

Please be advised this is not true regarding outstanding debtsHowever, as you stated in previous response SOL has run and the two remaining are not in collection process. Again, I respectfully request these items be removed, thus I am trying to purchase a home and these items are affecting the purchase. Also, the accounts from Jackson Heart have been paid well over the day period and are still appearing on my creditPlease have those removed immediatelyWith Kindest Regards
Complaint: ***
I am rejecting this response because:
Regards,
*** ***

To Whom it May Concern,Thank you for notifying us of the recent complaint submitted by Mr***. We are very interested in preserving the goodwill and confidence of our customers. I appreciate the opportunity to respond.The account in questions stems from a 2/2/date of
service. The account was placed in collection 10/24/13. With no response to collection calls and letters, the account was reported to the credit bureaus on 1/28/14. Collection attempts continued and we finally spoke to Mr*** about the account on 2/3/15, he refused to speak with our collector and refused any sort of payment.On 3/22/17, we received a credit card payment from Mr*** via our online payment site. The credit card payment was ran that same day and the account is now showing paid in full. There is no documentation showing where Mr*** called our office to ask how/when his credit report would be updated. Had he called, he'd have been told that we report to the credit bureaus once per month and that his payment would be reported to the bureaus in our next regularly scheduled report. Our April reports were created yesterday and are being sent to the credit bureaus today. The bureaus take 5-business days to process the reports.Should any further information be needed to close this complaint, please feel free to contact me.Best regards,*** *** CFOSmith, Rouchon and Associates, Inc.

Complaint: ***
I am rejecting this response because:Upon reviewing your response, you state that the alleged debt is no longer up collection and you state that the alleged debt is out of statueTherefore, I need you to remove the alleged debt from all credit bureau reports immediatelyI never had a contract with Smith, Rouchon and Associates but the alleged debt was reported to these credit bureaus agencies as if I owed the $to Smith, Rouchon and AssociatesThe statue has run out and I want the collection removedIt is still affecting my credit and that is unacceptableI require validation and verification of my signature on a contract with the agency Smith, Rouchon and Associates within thirty daysI have also attached the other alleged debt amounts provided to the credit bureaus by Smith, Rouchon and AssociatesPlease remove all of the alleged debt from all three of the credit bureaus immediatelyThank you
Regards,
*** ***

I have cancelled our account *** for $from collections. We will send notice to Trans Union and Equifax to delete the item from MsJenkins credit report...this process takes 7-business days.We do not report to Experian so anything listed with them is not of our doing.This is the only account I find in collections. I didn't find the attachment she mentioned and have no way to find those without further information. She may dispute them with the credit bureaus or provide me with the needed information

CorrectionI did not and have not spoken in anyone at Smith Rouchon over the phone regarding these accounts, therefore I would not have given any information of disability because I'm definitely not disabled Correspondence from myself has been in handwritten letters. Unfortunately, I do not have copies of the lettersI have also disputed the information with all three(3) credit agenciesI have paid both $accounts to the original creditorsSince, these are the only accounts that are lingering on my credit report and I'm trying to improve my credit so that I can purchase a home sometime in the near future and the other accounts are not being actively collected on because the Statue of Limitations has expiredI am respectfully requesting that those items be removed from all reports. Best Regards
Complaint: ***
I am rejecting this response because:
Regards,
*** ***

In my previous reply, I notified that we cancelled account *** for $from collections and removed it from your credit report.Now that I have the attachment you mentioned, I can see the other accounts you mention in your complaints...however, you will see those were placed on your report by *** ** ***...NOT Smith, Rouchon and Associates, Inc.Those other accounts are going to be accounts owed directly to the hospital. You will need to contact them concerning those as those accounts are not and have never been placed with us for collections, therefore, we did not place them on your credit report, *** made the reporting.

I am only able to find one of the accounts listed in the complaint...*** for $61.00. We are collecting the $through our contract with *** *** **. The charge is for reading a mammogram at *** *** *** *** on 6/11/14. The original
balance was $144.00. The claim was processed but her insurance carrier to leave her balance owed at $61.00. Besides bills receiving bills from *** *** **, her insurance would have provided her with and EOB showing her balance owed. The debt is currently out of statute so we are not actively collecting the debt. However, we reported the debt to Trans Union and Equifax on 1/23/and they hold things on the report for years.Could the other accounts she mentioned be under a different name...perhaps a maiden name or a child that she is the guardian of?

Notices were mailed to Ms*** at the same address given in the complaint on 6/17/13, 8/1/14, 1/3/and 4/7/giving her notice of the accounts. The notices were assumed delivered as they were never received back from the post office.We called the phone number given on the account several
times and often left messages with *** *** who claimed to be Ms***'s mother.The accounts we have in collection are owed to *** ***, PA. The services rendered would have been the reading of X-rays and scans.The accounts owed are:***, $138.00--Head CT performed at *** ** *** *** *** on 03/19/2013***, $59.00--Radex Facial B1S performed at *** ** *** *** *** on 04/22/2014***, $53.00--Radex chest view performed at *** ** *** *** *** on 09/22/2016*** $53.00--Radex chest view performed at *** ** *** *** *** on 10/19/2016If Ms*** has questions concerning these account or there listed on her credit report, I invite her to call our office and speak with an account representative that can answer any questions she may have.

I responded to this complaint yesterday. I think I addressed all issues brought up by Ms***. I am sorry if she felt our call was threatening to her son