Credit Management Company

We have had a total of twenty-two accounts against Ms [redacted] Of those twenty-two accounts, seven of them have been returned back to the client as “uncollectable”, seven of them have been paid in full, and eight of them are still outstandingFive of the accounts that have been paid in full were done so directly to the client and the other two were paid directly to us via debit card to a representative as well as through our secured payment website Ms [redacted] states that she has not received some of the bills yet our client has sent bills on each of the twenty-two accounts and CMC has also sent individual bills for each of the twenty-two accounts placedIn her complaint she states that she did not live “at that address” in yet, the address she is referring to, she confirmed on 10/28/ as a correct mailing address Credit Management Company will go ahead and request itemized statements from our client on the outstanding accountsAlthough both our client arid CMC have each sent bills on the account(s) in question we will go ahead and mail another bill with itemized statements to Ms [redacted] ’s [redacted] address provided

The "statements" I received are impossible to readIn looking at them there are columns titled "ins 1" "ins 2" and patientThe claim that I owe $shows an outstanding balance owed of $1007+164.50= $These charges were submitted incorrectly by my insurance company and after a long conversation with them back in the claim was said to have been readjusted and taken care ofI saw no other bills to the contrary until now So I am in discussion with Aetna regarding these charges and will advise once I receive a resolutionThat same day I spoke to a rep about charges for my son which again I heard nothing of until CMC contacted me was said to be a total of $For *** *** I have one invoice here showing a charge for $from January Which again no bill or notification until I receive a call from CMCI pay the bills I receive from Allegheny Clinic and I can't pay what I don't receiveAnd when the call I get for money due is from a collection agency I am going to be certain that I owe the money as hospital and insurance companies make the mistake all the time of improperly charging things and submitting claimsSo once I verify what you have is owed I will then pay If it's found the hospital or insurance company made an error I will communicate that tooThis call is the first I have received for an account that is supposedly from Why I am just receiving a call on money owed from back then along with current "oustanding items" that's a tad bit suspicious to mePlease send me statements for all accounts owed for *** ***, *** ***, *** *** and *** ***Whatever accounts I currently have that I owe on I would like an itemized billsWe have received multiple calls in one week be it my husbands phone or my own about accounts that we own on---there is no call for thatOne phone call with all that information will sufficeWritten proof is what's required so I can confirm with insurance companyThanks
Regards,
*** ***

In response to the complaint sent 7/27/16, we apologize for any inconvenience and haveconducted an investigation that has returned the following information.1. No live call appears to have been made to the consumer parents as...

indicated in the complaint.If they have received any contact from CMC, we apologize as we would have contacted thenumber provided by our client. If the number provided was incorrect or inaccurate, it ispossible that the parents may have been contacted. Our agency would only contact parents ifwe were attempting to locate the consumer due to the incorrect or inaccurate informationprovided by our client.2. On 5/20/1 6, we received information stating the account was paid. This information wasforwarded to the client as verification.3. On 7/22/1 6, CMC received a callfrom the consumer’s sister (contrary to complaint as statedCMC contacted consumer’s sister) who provided an updated number xxx-xxx-1404.Please be advised that our records now show that the account has been paid in full and no furthercontact would be made to the consumer or the consumer’s family concerning this account.If you have any questions, please feel free to contact us at 1-866-368-1565. Thank you.Sincerely,Andy B[redacted]Compliance ManagerCredit Management

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, provided that I am not contacted again by Credit Management Company in any way concerning this matter, and that my credit score is not adversely affected in any way.  Any such adverse affect or future contact will constitute a new cause of action and I will proceed directly to the Pennsylvania Attorney General.
Regards,
[redacted]

Ms. [redacted]As stated previously, CMC cannot provide a bill or statement. In an effort to resolve this for you, we have requested additional information from our client (creditor) in the event that they have any information that can be forwarded to you to assist in providing to the **. If no information is available, the only path to resolution would be directly with the **. They would need to approve the charges to be paid and advise us of that approval so we can adjust the balance accordingly. Please allow up to 30 days to provide any additional information from our client. It will be mailed to you at xx[redacted] once received. Thank you.

We apologize for the inconvenience and frustration that has occurred because of thissituation. In order to shed some light on this issue and clear any misinformation, our response isoutlined below.Please be advised that discussions have taken place with both medical providers in whichservices were...

rendered and both have provided information validating the balances owed. Wehave been provided itemized statements from Conemaugh Physician’s DLP with accountsnoted as “sent to collections”. We also have documented that you spoke with a [redacted]
[redacted] concerning your accounts in which she validated and no furtherdocumentation was presented as our understanding was this validation was acceptable to you.If you would like the itemized statements for the accounts, please contact us by phone or mail arequest for these items to the address listed on this response.From our research, it appears that there was information provided to you by the [redacted]that may have been incorrect. There may have been balances associated with a Physician’soffice that is billed separately from the hospital and other offices. This is common practice andunfortunately causes confusion amongst patients as it can appear as though you received a billfor the same service. Physician offices that service the same hospital have separate systemsand therefore the information can’t be viewed by other offices. This would explain why they arestating your accounts are paid or that nothing was sent to collections because they, in essence,don’t have the accounts or access to them.Please be advised that if there is any information that you can provide contrary to what we haveon file, or if you believe the balances have been paid, to provide us with the information and wemay forward it to our client(s) for verification.We apologize for this inconvenience and certainly want to come to a satisfactory resolution ofthis matter. Currently, our records and information provided by our clients indicate that abalance is still owed. The balance total is currently $1,209.42 according to our records. Wewould be happy to provide you with the appropriate documentation as stated previously and/orwork out a plan for payment, if you so choose.If you have any additional questions, please feel free to contact us at the number provided.Thank you.Sincerely,Andy B[redacted]Compliance Manager

In response to the complaint dated [redacted] we apologize for any inconvenience this mayhave caused you. Please be advised that provision of an authorization code is a form of receiptas it is proof of payment. Statements such as your bank statement or credit card statement arealso proof of payment....

Our agents may also direct consumers to our online website to makepayments if you would like a hard copy receipt. Any of these options would have beenpresented at the time of payment. Provision of a hard copy receipt is not required, but availablevia online payments.Attached is a receipt of payment. If you have any questions, please feel free to contact us at [redacted]Thank you.

Ms. [redacted],We apologize for the experience you had with our agency and representatives as well as the feeling of being harassed. We received this account from the creditor on 6/30/17, sent a notice on 7/5/17 and placed only 2 calls prior to 8/4/17. In response to your complaint concerning being...

asked for personal information, we are required by law to verify the person we are speaking to in an effort to prevent releasing your personal information to a third party. You were advised on the call on 8/4/17 that this account was not sent to your credit report and would have no bearing on your credit score. No additional contact should have been made by our company following this date which is an error on our part and has been addressed internally with the Representative who you spoke to as you did receive an additional call on 8/11/17 unnecessarily. You spoke with a supervisor on this day following the contact and the phone number and address on the account were removed. I could not confirm on any call that you were told the collections process would continue. Please be advised that this account has not been reported to any credit bureau and that it is in status where you should receive no further contact specific to this account. If you have any questions, please feel free to contact us. Thank you.

It is Credit Management Company’s policy not to send a receipt unless the consumer
sends in a self-addressed stamped envelope. Mr. [redacted] paid via his debit/credit card
which provides him a record of the payment. We also provided him with a payment
confirmation number.
If this does not...

suffice I will authorize a letter to be sent stating that Mr. [redacted] paid
$10.00.

Mr. [redacted],Please be advised that in our industry a Paid in Full letter and receipt are two separate documents and a Paid in Full letter is typically requested by a mortgage company or other lender evidencing a debt has been paid. The receipt simply shows the amount paid, the date, and for what...

account the payment was made (typically). If you make payments using a debit or credit card your statements provide proof of payment. You may also make payments online using our website [redacted] and obtain a receipt for each payment that way. To resolve this matter, a letter will be sent to your address at [redacted] providing proof of payment for the accounts we have on file. Please allow a few days to receive this as it will sent via standard mail. If you have questions, please contact us at ###-###-####. Thank you.

We have had a total of twenty-two accounts against Ms. [redacted]. Of those twenty-two
accounts, seven of them have been returned back to the client as “uncollectable”, seven
of them have been paid in full, and eight of them are still outstanding. Five of the
accounts that have been paid in full were...

done so directly to the client and the other
two were paid directly to us via debit card to a representative as well as through our
secured payment website.
Ms. [redacted] states that she has not received some of the bills yet our client has sent bills
on each of the twenty-two accounts and CMC has also sent individual bills for each of
the twenty-two accounts placed. In her complaint she states that she did not live “at
that address” in 2011 yet, the address she is referring to, she confirmed on 10/28/2011
as a correct mailing address.
Credit Management Company will go ahead and request itemized statements from our
client on the outstanding accounts. Although both our client arid CMC have each sent
bills on the account(s) in question we will go ahead and mail another bill with itemized
statements to Ms. [redacted]’s [redacted] address provided.

In response to the complaint received on 5/27/15, Credit Management Company sincerely apologizes forthe inconvenience and frustration felt on behalf of the consumer regarding this matter. There was acombination of events that led to the frustration and one of the main points of consternation has...

beenrectified.The consumer contacted CMC on 9/1 5/14 to discuss account and was advised that if issue was withWorker’s Compensation and insurance that she may call back with the Worker’s Compensationinformation and we would proceed with the process of sending this to the appropriate parties forresolution. Calls were made by consumer to CMC on 9/17/14, 10/3/14, 11/20/14, 3/30/15, and 5/27/15 todiscuss issue.Worker’s Compensation information was provided to CMC on 10/3/14, processed, and consumer wasadvised that the process may take 30-60 days, or longer, depending on the receiving institution. To thispoint, the issue was awaiting resolution and processing from the receiving institution (e.g. Worker’sCompensation, client, insurance company) provided to them by Credit Management Company. To date,this is still being processed to our knowledge.The complaint also staLs, “Credit Management Company continuously called me regarding payment, andthreats of having my credit score compromised.” CMC attempted to contact consumer via automateddialer concerning their account on the following dates: 9/15/14, 10/1/14, 3/26/15, and 3/28/15. Anycontact made outside of these dates were directed to CMC by consumer and/or intended for a differentconsumer. It was discovered that another consumer with the same last name provided the same phonenumber. This led to calls made to complainant that were not intended for her.Please be advised that our company is provided contact information by clients and assumesaccuracy of this information as provided to them by the consumer.The complainant was advised of this error on 5/27/15 but stated that she had felt lied to. Our supervisoralso advised that she would remove the phone number to prevent further communication. CMC maintainsa quality assurance and monitoring policy for calls and any “threat” of credit reporting would be contraryto all training and policies upheld by the company. An investigation will be conducted to ensure that nosuch threat was made and, should it be discovered that any threat of credit reporting was made; therepresentative will receive appropriate disciplinary action up to, and including, termination as determinedby management. Please be advised that no credit reporting has occurred for consumer’s account accordingto our records.As stated previously, CMC has attempted to resolve the following points of frustration to the consumer tothe best of our ability:1. Worker’s Compensation materials have been sent to the appropriate recipients and are awaitingprocessing2. Phone number has been removed from our system to prevent future unwanted contactShould there be any further issue or sense of non-resolution, please feel free to contact us. Again, weapologize for any inconvenience and hope that this response is satisfactory. Thank you.Sincerely,Compliance Manager

In response to the complaint received on 6/15/15, Credit Management Company apologizes for theinconvenience regarding this matter. Please be advised that the phone number has been removed from oursystem to prevent future contact concerning this account.Should there be any further issue or questions,...

please feel free to contact us. Thank you.Sincerely,[redacted]Compliance Manager

In response to the complaint dated 6/10/16, we have received the complaint and want to address in the following manner.We apologize for any inconvenience this has caused to the consumer, however; company practice is to provide an authorization code if a credit or debit card is used as receipt of...

payment. Check payments by phone take longer to process and therefore do not have an authorization code associated with them as the payment is not processed immediately. A bank statement or credit card statement may also be used as record of the payment. Payment through the website is another avenue to obtaining a hard copy receipt.If a written document is required to provide to a mortgage company, or other financial institution, please be advised that this is a direct conflict of practices and is a frequent burden on the consumer and on our agency. Financial institutions typically require a “paid in full” letter requiring an account number, amount paid, date paid, and language stating that the debt has been satisfied. This goes beyond what is typical process for an agency such as ours and providing these is not a requirement, but a courtesy.Please note that a payment letter, as requested, has been attached to resolve this matter as a courtesy.If you have any questions, please feel free to contact us at ###-###-####.Sincerely,Credit Management Company

Ms. [redacted],I apologize for the inconvenience with this call and we have taken appropriate action to prevent this from happening in the future. Please be advised that what our Representative (Nick) was trying to explain was that we have additional accounts in our office associated with you that are...

not paid and if you were advised that they were paid, you were misinformed. If this is the case, please advise whom you spoke to that said all of your accounts were paid in full. From the call, you had stated you were "under the impression" these were all paid which indicates maybe this is simply a misinterpretation or miscommunication. There are accounts in our office with [redacted] listed as the creditor. You had stated you were not familiar with [redacted] and what would have been explained if you were not familiar with them is that if you had insurance during this timeframe to contact your insurance to inquire about any services provided or billed so you can become more familiar with them. If the insurance is not able to provide any additional information, and you are not familiar with the services, we can treat this as a disputed account and provide verification once received from the creditor ([redacted]) for your review and resolve the matter in that fashion. If you have questions, please feel free to contact us at [redacted]. Thank you.

Compny is a hack job. Do not get involved, bsd experiace will follow.

Review: [redacted] is claiming I owe them $50.00 from a visit on 8/7/14. I never received a bill from them. They turned it over to Credit Management Company. CMC called my parents home phone several times leaving a vague message with no detail other than a claim number and phone number to call. Because I didn't know about the $50.00, I didn't return the call right away. After I did finally talk to someone from CMC, I sent copies of the paperwork I had concerning the visit to [redacted] to show the bill had been paid. Today CMC called my SISTER's cell phone in Colorado, for some reason, instead of my number. The medical center never filed the paperwork correctly with my two insurance companies and never tried to contact me about the $50.00 they think I owe. The medical center received everything they were entitled to from my insurance. I feel this borders on harassment by CMC on behalf of the medical center, especially when they called my parents' house and then my sister, when they had my contact information on file.Desired Settlement: Drop the claim that I owe $50.00 and stop calling my family.

Consumer

Response:

[redacted] in the billing department at [redacted]

Business

Response:

In response to the complaint sent 7/27/16, we apologize for any inconvenience and haveconducted an investigation that has returned the following information.1. No live call appears to have been made to the consumer parents as indicated in the complaint.If they have received any contact from CMC, we apologize as we would have contacted thenumber provided by our client. If the number provided was incorrect or inaccurate, it ispossible that the parents may have been contacted. Our agency would only contact parents ifwe were attempting to locate the consumer due to the incorrect or inaccurate informationprovided by our client.2. On 5/20/1 6, we received information stating the account was paid. This information wasforwarded to the client as verification.3. On 7/22/1 6, CMC received a callfrom the consumer’s sister (contrary to complaint as statedCMC contacted consumer’s sister) who provided an updated number xxx-xxx-1404.Please be advised that our records now show that the account has been paid in full and no furthercontact would be made to the consumer or the consumer’s family concerning this account.If you have any questions, please feel free to contact us at 1-866-368-1565. Thank you.Sincerely,Andy B[redacted]Compliance ManagerCredit Management

Review: I first heard from CMC in 2013, regarding an account already settled in 2010. I spoke with Tammy, who has always been very rude to me, and even sent her my paperwork showing my account had been resolved. She insisted it was not accurate and she would send me what she had. I never received any additional documentation and when I called for follow up, no one knew anything. I was eventually told the account was closed and everything was fine. This was obviously a lie. Even today in 2016, I still have not heard or received anything in the mail regarding this "debt" but instead found out when my credit score dropped 80 points as a result. I called again, and again Tammy was still there, and again, very rude to me. I sent the same information as I did in 2013 and then the next day got a call saying the debt was recalled and I do not owe them or the original creditor. No apologies for the mistakes or terrible customer service. No apologies or explanations for damaging my credit. No recourse for this damage due to zero fault of my own, but the careless record keeping of CMC. Very poor company reps and really clueless. I understand its their job to collect the debts, but maybe look into whether or not the debt is even valid before trying to ruin someones credit they've worked hard to maintain. I've filed a dispute with Transunion to try to help the situation too, but the point is the damage is already done. My score damaged and I had no way to even prepare for such a possibility. Luckily I'm not applying to open new accounts or anything as this is very serious and as a result an application or a car, or even a mortgage can be denied. CMC has been very careless in this case and needs to seriously be investigated. I'm sure I'm not the only person this could have happened to.Desired Settlement: I've worked very hard over the years to maintain my good credit and it needs to be restored as if this incident had never occurred. This should disappear from the reports entirely, not simply labeled as "removed collections" or something similar. This was never a valid debt of mine and had anyone at CMC done any kind of work to investigate prior to ruining my credit, they would have found this out.

Review: I requested a a receipt for a $400 payment and the company has refused suggesting I contact the company for which they obtained the debt info. I have contacted the company more than three times including by mail. One person name Jenea tells me that they don't provide any confirmation of payment . I tried to make it convenient by providing email address and still they refused.Desired Settlement: All I need is confirmation of payment received in writing.

Business

Response:

In response to the complaint dated 6/10/16, we have received the complaint and want to address in the following manner.We apologize for any inconvenience this has caused to the consumer, however; company practice is to provide an authorization code if a credit or debit card is used as receipt of payment. Check payments by phone take longer to process and therefore do not have an authorization code associated with them as the payment is not processed immediately. A bank statement or credit card statement may also be used as record of the payment. Payment through the website is another avenue to obtaining a hard copy receipt.If a written document is required to provide to a mortgage company, or other financial institution, please be advised that this is a direct conflict of practices and is a frequent burden on the consumer and on our agency. Financial institutions typically require a “paid in full” letter requiring an account number, amount paid, date paid, and language stating that the debt has been satisfied. This goes beyond what is typical process for an agency such as ours and providing these is not a requirement, but a courtesy.Please note that a payment letter, as requested, has been attached to resolve this matter as a courtesy.If you have any questions, please feel free to contact us at ###-###-####.Sincerely,Credit Management Company

Review: I have been receiving phone calls from CMC to my cell phone about a bill that I've been paying monthly to UPMC for a couple years. At this time, I am requesting from you the Original Creditor's name, address, the amount owed, and the date of service. I have obligations that I typically pay at the end of each month using my HSA account. This has been and was discussed w/ a UPMC representative over a year ago. I have not been notified by CMC or UPMC choosing a collection agency to manage the collection of this debtI would also like to advise of the lack professionalism of your receptionist who had me on hold of over 5 minutes forcing me to call back. I also spoke with another woman on my second attempt who hung up on me because I refused to verify my information without her telling me why I'm being called by your company. Finally, after calling several times, I spoke w/ a [redacted] at ext [redacted] who gave out my information w/ out properly verifying me as well. She stated to me that I'm ruining my credit by not paying your company, and if that I can only pay her. I stated to her that I have in fact been paying these bills, (which I have documentation of payment every month). When I told her that I would not be paying her directly without the verification I need to prove the debt is mine, paying her over the phone or give her a date specific outside of the "end of the month." She became distastefully rude and ignorant. She stated that if UPMC doesn't notify them that I've been making payments that wasn't her fault. My understanding now is that UPMC is not properly crediting my payments to my accounts. She never stated the amount owed or offered assisting me in resolving this matter, or what I can provide to her as proof of payment. She just changed the tone of her voice to a higher pitch and stated that she would be ruining my credit and offered a smug, "Goodbye have a nice day!" which was immediately followed by the slamming of the phone. Since then, they've called me daily.Desired Settlement: Requesting that CMC no longer attempt to contact me and CEASE and DECIST all communications by phone. UPMC and CMC repair my credit immediately and waive all remaining balances owed.I'm also requesting from them the following: * Original Creditor * Date services were provided, * Amount of bill, * Amount that was paid (including dates and amounts tendered) * Remaining balances owed * Billing address.NOTE: CMC e-mail not fuctioning

Business

Response:

Upon receiving the “Customer’s Statement of the Problem” from the Revdex.com we investigated the

complaint. Calls are recorded in our office so we did listen to the recording and it has been determined

that Mr. [redacted] has made false allegations. All FDCPA and HIPAA laws were followed regarding proper

verification of the debtor. Also, at no time did the representative state Mr. [redacted] credit was “ruined”. It

is extremely evident upon listening to the recording, that Mr. [redacted] was very difficult and uncooperative

on the call and that the representative handled the call properly.

Mr. [redacted] has issued us a Cease and Desist through this complaint yet he is requesting verification of the

debt. We will send verification as required by law but will not call him. At this time we are within

guidelines and policies regarding the reporting of the debt(s) to the credit bureaus and will continue to

follow those guidelines and policies.

Moreover, Mr. [redacted] still has an outstanding balance of $785.47 that is placed in our office. This money

is owed and extremely past due. It will not be waived and should be remitted to our address.

Sincerely,

Compliance Manager

Consumer

Response:

I also have a father with the same name. I have received nothing from CMC stating the I owe a debt, and none of the bills from UPMC are close, (to my knowledge; I've also not received a Bill from UPMC for several months yet I've continually made payments with in arrangement agreed upon). Being spoken down to by, and hung up on is not in compliance with FDCPA, or general common courtesy for that matter. As far as me not identifying myself by providing my full social security number I do reserve the right to protect my identity as it's been stolen once already. I will not accept anything from CMC other than the debt being taken from their hands and place back rightfully (if proven valid) to UPMC and a formal written apology from CMC for the way they treated me in this matter. This is unacceptable.

Regards,