Credit Bureau Of Lancaster County, Inc.

Thank you for your communicating with our office with regard to the consumer disputeOur office has never received an Identity Theft Affidavit or Police Report, nor have we received any communication from the alleged victim, making it impossible for our office to investigate and assist
(until now). Although an ID Theft Affidavit and Police Report are required with Identity Theft, we have none the less closed both accountsOne point of clarification: We did not re-assert a previously deleted account. There are accounts that have been submitted to our establishment.
According to the national repositories, it may take more than 14-days to fully delete off of the consumer report. The deletion command has been initiated by our office. For future reference, a police report may be required in order for an alleged Identity Theft claim to be considered.
If the consumer has any questions, please direct her to contact me. ###-###-####

Dear ***,
Thank you for the opportunity to address this issue.
We do not collect for the ambulance. I believe *** *** is confused as to who the creditor is.
The debt we spoke to her about yesterday is the emergency room physicians "***
*** ***". These is the physician group that treated her in the emergency room (not the ambulance).Her bill in the amount of $is past due and no payments have been received by us or the creditorIt is common practice that the consumer to provide evidence that substantiates their dispute. When a consumer supplies supporting documentation, we are able to then conduct a more thorough investigation on their behalf. Without supporting documentation, the creditor has very little to investigate with.
To further assist *** ***, I will mail verification of the debt to herPlease feel free to contact our office should you have any further need to discuss this matterBest regards,
*** *** ***, Executive Director

Dear Revdex.com,
Thank you for your facilitation of [redacted] response.
As stated in my initial response, the deletion command was initiated by our office yesterday.  According to the national credit reporting agencies, it can, in some cases take more than 14-days to delete.
Best regards,
Credit Bureau of [redacted]

Dear [redacted],
Thank you for facilitating [redacted]'s response. Detailed account information was mailed on 06/06/14.  I'm hopeful [redacted] has had opportunity to review the data.
[redacted] is the Emergency Room physicians that treated her on 11/22/13.  They are not affiliated with the hospital and do not have access to the hospitals database.  [redacted] Emergency Associates sent bills to her current address with no mail return or response from [redacted] on:  12/03/13, 01/02/14 and 01/30/14.  Our office received the delinquent bill on February 17, 2014 and also sent a letter (30-day validation notice) on 02/17/14 with no response.  Four separate mail communications were made prior to this complaint with no response until 06/05/14 when our agent contacted [redacted] via telephone.
At this juncture, [redacted] may provide billing information to our office and we are glad to assist her with attempting to have her insurance pay.  This should be done promptly as timely filing may be an issue.
In conclusion, 4 mail attempts were made to resolve the matter, 3 of which were prior to sending the account to collections.  The creditor has no access to any other facilities database and any insurance information must be provided by the patient, [redacted].
We hope this additional information is satisfactory to the Revdex.com.
Best regards,
[redacted]

Dear [redacted],
Thank you for the opportunity to respond to [redacted]'s correspondence with your office.  I reviewed the account in its entirety. 
On March 4, 2014 [redacted] Emergency listed an emergency room physicians bill with our office.  The services were...

rendered by [redacted] at the location of [redacted] Hospital on Sept 8, 2013.  Our office sent a validation letter on March 5th, 2014 which was not returned by the USPS (to answer [redacted]'s question: No, validation notices and collection notices are typically not sent certified and there is no requirement or standard to do so).  There was no response to this written communication.Our office followed up by calling [redacted] 7 separate times.  Do to privacy laws and compliance with the FDCPA, we do not leave messages on answering machines or voice mail boxes (as there is a high risk of third party disclosure, which would be a privacy violation). 
On Sept 12, 2014 and Sept 26, 2014 our office received a request from the national credit repositories, prompted by [redacted] to verify the validity of the debt.  On Sept 12th the debt remained owed and verified.  On Sept 15, 2014 [redacted] accessed our payment website and paid his obligation.  On Sept 26th we received another request prompted by [redacted] from the national repositories.  We responded accordingly with a paid in full status as well as a disputed status.
To clarify a comment from [redacted], we are not debt purchasers and did not purchase the debt. 
According to our obligations as a subscriber data furnisher and under the act that governs our credit reporting authority, this account is rightfully marked paid in full and disputed by the consumer. 
[redacted] states that early on he did not attempt to follow up with his insurance.  Unfortunately, it truly is the obligation of the insured to do so.   
I hope that this response satisfies the Bureau; however, please contact me should you have any questions.
Best regards,
Donna N[redacted], Executive Director
Credit Bureau of Lancaster County, Inc.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:Hello, 
I had made numerous attempts to contact [redacted] collections to remove this from my report also it is showing under [redacted] and [redacted]
Sincerely,
[redacted]

Thank you for the opportunity to respond to the Revdex.com,
Mr. [redacted] has 4 accounts:
$188.07
$1097.35
$1012.86
$733.65
A total of:  $3031.93
Individual Validation Notice letters were sent for each account. 
Prior to Mr. [redacted] contacting our...

office today, he had previously paid $2431.93.As of today, Mr. [redacted] paid the remaining final balance of $600.00.  He is now paid in full.
A paid in full letter has not been sent on any account thus far.
While we are eager to assist consumers and offer courtesy payment plans, it remains the consumers duty to keep track of their balance. 
Moreover, as a courtesy, we deleted the 3 previously paid accounts from Mr. [redacted]'s credit report.  We will do the same in approximately 45-days for the account that was paid in full today, contingent upon the funds fully clearing Mr. [redacted]'s bank account.
We hope this adds clarity for Mr. [redacted].  I assure you, the exact amounts owed are the exact amount that was paid.  Our office harbors no credit balances. 
$3031.93 was due in total.  $3031.93 has been paid.
Thank you once again.
Best regards,
Donna N[redacted] S[redacted], Executive Director

Thank you for the opportunity to look into this matter for Mr. [redacted].
Our office received a delinquent bill owed by Mr. [redacted] on December 8, 2014.
We credit report approximately 30-days after the account is listed with us. 
We were notified on January 14, 2015 that the bill...

had been paid; however the account has already been credit reported since more than 30-days had passed.Mr. [redacted] spoke to our representative, Lisa on 01/27/15, who in promptly made me aware of Mr. [redacted]'s request for a credit report removal.  I reviewed the account history on the same day, January 27, 2015 and initiated a credit report deletion.  The deletion command was sent to the national repositories:  [redacted] and [redacted].   We received a deletion response on February 3rd.  The account has been off of Mr. [redacted]s credit report since that time frame.  I'm not sure what prompted this complaint today; however my review of the account reflects that our office responded swiftly to Mr. [redacted] and addressed his concern with diligence and care.
Mr. [redacted] may visit the official credit report website:  www.annualcreditreport.com for up-to-date real-time information regarding his credit report.  If their are any issues, Mr. [redacted] is free to contact me directly as well.
Best regards.
Donna N[redacted]

Thank you for allowing our office the courtesy of looking into this matter.
According to our records, we do not have a direct communication with anyone requesting a credit report deletion.   I would have been more than happy to assist in this matter had I been contacted and...

given the opportunity.Upon review, the patient was 19 years old on the date of service.
I am happy to initiate a credit report deletion on behalf of [redacted], which I have completed today.  According to the national credit reporting agencies, it can, in some cases take more than 14-days to delete.
Moreover, we do not report to all 3 credit reporting agencies.  This complaint states that this account is on all 3 which is impossible to do so from our company as we do not have a subscribership with all 3.  Please provide more information with regard to this, as I am concerned about a third credit reporting of this account.
I trust this satisfies the complaint.

Dear [redacted],
Thank you once again for your facilitation of the matter.
We do not furnish consumers with our proprietary data or call recordings.
We understand Mr. [redacted] is not happy and we believe we have sufficiently responded to his concern. 
We accept that he is not happy with our response however; there is nothing more we can do for him at this juncture other than send validation of each original amount and the amount paid for his records, which I will prepare today.
As stated in the previous response, Mr. [redacted] is currently paid in full and his balance is 0 (zero).
Thank you.

Thank you very much for the opportunity to look into the matter.
On July 25, 2016 Ms. [redacted] faxed papers to us however they were entirely ineligible to the point where we couldn't even scan the document.  It was so unreadable that we could not make out any thing on the...

document itself.  On August 1st we reached Ms. [redacted] and explained we need a legible letter confirming her dates of eligibility. 
On August 16th and August 19th Ms. [redacted] stated she was going to mail the information needed to complete the investigation.
 
Since she stated she was mailing it on Friday the 19th and it's only Monday the 22nd, it has not arrived in the mail yet.
Once we receive the information we will review and contact her creditor.  We will respond to Ms. [redacted] with the outcome at that time.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted]I am rejecting this response because:
I was treated by [redacted] General Hospital.  I provided the claim number to them.  This agency or whomever they might be needs to bill me first to obtain the appropriate information.
If they are a group that work with [redacted] General I do not know.  How can I pay I bill I never received or know where it came from.Regards,[redacted]

Review: First of all I want to thank you for being a resource to fight back, when bad practices are encounter. I was in a car accident an had to EMS services (ambulance). My insurance paid in full. This agency is asking me to provide proof that this has been done. They want me to call my insurance company and have them generate proof.

1. I do not trust them and my business was not with them.

2. If they are working for the Ambulance Company they should be able to call them and clear out their records. ( Perhaps they will not get paid if they do this).

3. The burden to investigate if payment was issued to their client should fall on them.

Hopefully they will not make any entries in my credit record. I will be checking this shortly.Desired Settlement: Repair credit bureau entry and stop contacting me.

Business

Response:

Dear [redacted],Thank you for the opportunity to address this issue. We do not collect for the ambulance. I believe [redacted] is confused as to who the creditor is. The debt we spoke to her about yesterday is the emergency room physicians "[redacted]". These is the physician group that treated her in the emergency room (not the ambulance).Her bill in the amount of $523.00 is past due and no payments have been received by us or the creditor.It is common practice that the consumer to provide evidence that substantiates their dispute. When a consumer supplies supporting documentation, we are able to then conduct a more thorough investigation on their behalf. Without supporting documentation, the creditor has very little to investigate with. To further assist [redacted], I will mail verification of the debt to her.Please feel free to contact our office should you have any further need to discuss this matter.Best regards,[redacted], Executive Director

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved] Review: [redacted]I am rejecting this response because:

I was treated by [redacted] General Hospital. I provided the claim number to them. This agency or whomever they might be needs to bill me first to obtain the appropriate information.

If they are a group that work with [redacted] General I do not know. How can I pay I bill I never received or know where it came from.Regards,[redacted]

Business

Response:

Dear [redacted],Thank you for facilitating [redacted]'s response. Detailed account information was mailed on 06/06/14. I'm hopeful [redacted] has had opportunity to review the data.[redacted] is the Emergency Room physicians that treated her on 11/22/13. They are not affiliated with the hospital and do not have access to the hospitals database. [redacted] Emergency Associates sent bills to her current address with no mail return or response from [redacted] on: 12/03/13, 01/02/14 and 01/30/14. Our office received the delinquent bill on February 17, 2014 and also sent a letter (30-day validation notice) on 02/17/14 with no response. Four separate mail communications were made prior to this complaint with no response until 06/05/14 when our agent contacted [redacted] via telephone.At this juncture, [redacted] may provide billing information to our office and we are glad to assist her with attempting to have her insurance pay. This should be done promptly as timely filing may be an issue.In conclusion, 4 mail attempts were made to resolve the matter, 3 of which were prior to sending the account to collections. The creditor has no access to any other facilities database and any insurance information must be provided by the patient, [redacted].We hope this additional information is satisfactory to the Revdex.com.Best regards,[redacted]

Review: Back in October I took my Daughter to [redacted] in [redacted]. I received a bill for $184. Which I know from my insurance card was incorrect. My insurance company sent me a check for $78 which I inturn sent to [redacted] billing. Subsuquently [redacted] sent my case to Lancaster Collections. I've made several calls to both the insurance company [redacted] who informed me that I do not have a balance to pay. I called Lancaster Collection faxed proof of the EOB. I've spoke to [redacted] and [redacted] several times. I'm told the insurance company is non responsive and most recently [redacted] told me "No matter what this collections will stay on your credit report until YOU pay it infull!"I'm a single mother of 3 working my fingures to the bone! I'm trying to refi my house to lower my payments and make life a little financially better and this detore has not helped!'Please Help!Desired Settlement: I want this collection removed from my credit report IMMEDIATLY!

Business

Response:

Dear Revdex.com,

Good afternoon and thank you for contacting our office, allowing us opportunity to investigate into the matter.

This particular insurance was not contracted with the provider, [redacted] at the time the services were rendered. therefore the patient or responsible party ([redacted]) will need to contact her insurance company and tell them to re-process the claim. Once that is done the insurance company should send a check to the patient (subscriber) for the remaining balance. She will need to forward such payment to our office. If the responsible party/subsriber doesn't contact the insurance company to have it re-processed or they deny for other reasons then she will remain responsible for the balance.

This was previously communicated to [redacted]. Insurance can be confusing at times. Her insurance company should be able to properly explain her benefits to her.

If you need anything further, please do not hesitate to contact me.

Best regards,

Consumer

Response:

I spoke with the insurance company on 4/8 and 4/15. I was told by [redacted] and then [redacted], the claim was put Thur again! And it will 0 out! I tgdn called Lancaster back and informed them[redacted]). Lancaster had NO Clue about the doctor not being inthe network until I told her! She then Insisted no matter what I would have to pay the Entire $184! The insurance company paid $78! [redacted] informed me [redacted] still has yet to submit that to Lancaster!

assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

Regards,

Business

Response:

Thank for facilitating the response.

According to the billing department for [redacted] is to request her insurance company reprocess for a second payment. If they reprocessed, a second payment might be made. Again, [redacted] was not contracted with [redacted]'s insurance. The balance after the $78.00 becomes her responsibilty since its out of network. She should contact her insurance company to see if they are going to make a second payment after reprocessing. If not, the balance owed is the responsibility of [redacted]. This is really a matter between [redacted] and her own insurance company. If she has any factual data to the contrary, she may supply me with such documentation.

Thank you,

Review: Hello! On 12/12, 1/13, 2/13, 2/13 and 3/13 I contacted the Credit Bureau of Lancaster and advise that they were fraudulently pursing a debt. [redacted] personally contacted me back from [redacted] ext [redacted] in both letter and telephone call, I explained to her that this was fraud, and if her agency could not provide to me showing where I signed for this debt, I requested for them to remove it. She assured me that she could get me anything I needed. (call was recorded and transcribed if you need a copy) What I recvd in the mail was a computer print-out from another state, and nothing with my signature and for a person that was not me!! I called today demanding this to me removed and I was hung up on three times. It has been over 90 days and have yet to show anything signaturea stating I am liable.

She proved herself to be a liar and not a person for her word.Desired Settlement: They have reported this fraud to the MAJOR more reputable credit bureau's , [redacted] , [redacted] and [redacted]. I would like this removed from my credit report immediately

Business

Response:

Hello [redacted],

Thank you for allowing us the opportunity to repsond.

[redacted] owes 2 [redacted] bills. Our office received account [redacted] on October 18, 2012 in the amount of $94.77. We immediately mailed the federal 30-day validation notice to [redacted]. Our office received account [redacted] on November 20, 2012 in the amount of $539.00. We immediately mailed the 30-day federal validation notice to [redacted]. There was no response to either letter.

On January 9th we received an ACDV from the national repositories (meaning [redacted] accessed her credit report and communicated directly with such repository).

We responded to the national repository accordingly. The same took place between [redacted] and the national repositories on 1/25/13, 2/15/13 & 2/25/13 (again, these were not direct contacts from [redacted] to our office, but rather her own contact with which ever repository she contacted), none the less, we responded to all ACDV's promptly. On February 13, 2013 I received a mailing from [redacted]. There was no letter or note attached. It was just a copy of her credit report where she scribbled and marked up the two accounts that are delinquent. While it was virtually impossible to determine anything from her scribble, she did write work comp on the side but provided nothing else. Since she gave us no date of injury, or valid telephone number to reach her at, I sent her a letter on 2/25/13 asking her to call me. At the same time, I contacted [redacted]. They confirmed they had sent 3 letters to [redacted] with no response, prior to sending to our office.

On March 4th 2013, 11 business days ago, I received a letter from [redacted] which offered no conclusive information to conduct a thorough investigation however she did provide her telephone number therefore I called her.

During the telephone conversation, [redacted] considered the debts listed in our office to be fraudulent because she thought they were hospital bills. I clarified this is for [redacted], not the hospital. Also, based on the dates of service, she confirmed the two debts we have listed are not part of any workers compensation claim. She demanded I remove her bills from her credit report. I explained that unless the debts are not valid debts, they are due and will remain on her report. I explained we cannot just delete them because she wants us to; there must be a valid reason and if she can provide information that supports her request, we will investigate.

I asked our client to send full itemization of the services rendered that equate to the balance that is owed. My client sent this documentation to me and it was mailed to [redacted] with a cover letter on March 14th, 2013.

Today, at 9:29am [redacted] called our office. She said she was recording the call (which was not authorized) and proceded to state that we are 'all [redacted]'. Due to her foul language, the call was ended. She called back at 9:36am and argued with another representative at our office. That call was ended as well.

To date, we swiftly responded to all inquiries and supplied [redacted] with sufficient proof of debt. Her account is marked disputed and no calls other than mine on March 4th have come from our office.

Thank you,

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

[redacted] or anyone from her company has yet to provide my written signature showing I am responsible for this debt, by her own admission, she is aware it is fraud.

Regards,

Business

Response:

Dear [redacted],

[redacted] has called our office twice today, was vulgar to my staff and then faxed a separate letter to me today at 4:04pm, in addition to her response to this complaint at 4:23pm.

We have complied with all laws governing our practices.

[redacted] was sent detailed debt information with regard to her emergency room treatment. Her identificaiton with the emergency room is a direct match with the bill in our office. When we were discussing the matter on the telephone March 4th, she clarified that the services were rendered, but are not part of her workers compensation case.

To date, [redacted] has provided no valid or factual data to prove to the contrary.

At this juncture, I consider this to be harrassing. The documentation from the emergency room sufficiently verifies the validity of this debt and we are considering it valid, yet disputed by the consumer. Her credit report is marked as such.

Thank you for your time [redacted].

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

If [redacted] and company is stating that this is a hospital visit, everytime you are seen by a hospital you must sign for services, nothing provided to me shows I signed for services. If this cant be provided it needs to be immediately removed. they are very unethical.

Review: The Credit Bureau of Lancaster County was assigned a collection from [redacted] for an emergency room visit that happened in September 2013. I gave my insurance information to the ER after my visit and was told that I should only owe $100 as the Emergency Room fee for the visit. I later received a bill from [redacted] for more than $500. I contacted my Aetna insurance who said they would rerun the claims and that the bill should drop. They expected this process to take 2-3 months. During this time, the bill was apparently turned over to the Credit Bureau of Lancaster County for collections. I did not attempt to follow up as I believed insurance would cover the remainder of the payment and I would owe nothing more.

In September 2014, I noticed a collection request on my credit report from the Credit Bureau of Lancaster County for an unpaid open collection. As the damage was now done on my credit report, I immediately submitted full payment of $523.00 on September 15, 2014. I appealed the collection on my credit report through the credit agency, but the appeal was denied.

I received no notice from the Credit Bureau of Lancaster County that the account was in collections. If letters were sent, I did not receive them (are they not supposed to be sent certified mail with delivery confirmation to ensure I get them?). I do believe I received calls from the Credit Bureau, but they were received once every other month and no voicemail was ever left. In the scope of the number of mystery calls I get, I don't look up every number. In my opinion, there was no attempt to contact me and collect the money. I would have been happy to pay at any point in the process, and was not avoiding collections. The damage done from this collection is unwarranted on my otherwise great credit report. The Credit Bureau of Lancaster County bought the debt at a cheap price from [redacted] and has received payment in full, with little to no cost to them. I would sincerely appreciate if they would oblige my request to not have this damage my credit for the next 7 years.Desired Settlement: Remove the collection from all of my credit reports, not just indicate it was paid in full, but remove the entire collection activity.

Business

Response:

Dear [redacted],Thank you for the opportunity to respond to [redacted]'s correspondence with your office. I reviewed the account in its entirety. On March 4, 2014 [redacted] Emergency listed an emergency room physicians bill with our office. The services were rendered by [redacted] at the location of [redacted] Hospital on Sept 8, 2013. Our office sent a validation letter on March 5th, 2014 which was not returned by the USPS (to answer [redacted]'s question: No, validation notices and collection notices are typically not sent certified and there is no requirement or standard to do so). There was no response to this written communication.Our office followed up by calling [redacted] 7 separate times. Do to privacy laws and compliance with the FDCPA, we do not leave messages on answering machines or voice mail boxes (as there is a high risk of third party disclosure, which would be a privacy violation). On Sept 12, 2014 and Sept 26, 2014 our office received a request from the national credit repositories, prompted by [redacted] to verify the validity of the debt. On Sept 12th the debt remained owed and verified. On Sept 15, 2014 [redacted] accessed our payment website and paid his obligation. On Sept 26th we received another request prompted by [redacted] from the national repositories. We responded accordingly with a paid in full status as well as a disputed status.To clarify a comment from [redacted], we are not debt purchasers and did not purchase the debt. According to our obligations as a subscriber data furnisher and under the act that governs our credit reporting authority, this account is rightfully marked paid in full and disputed by the consumer. [redacted] states that early on he did not attempt to follow up with his insurance. Unfortunately, it truly is the obligation of the insured to do so. I hope that this response satisfies the Bureau; however, please contact me should you have any questions.Best regards,Donna N[redacted], Executive DirectorCredit Bureau of Lancaster County, Inc.