Creditors Collection Service, Inc.

Review: Creditors Collection Service is reporting Acct #[redacted] on my credit report. I have sent several letters to the company since I dispute this account. The company has failed to validate this debt. The original creditor for this account is [redacted] in Lynchburg, VA. Since I am a current patient with [redacted], my oncologist social worker advised me to submit an application for financial assistance to the [redacted] Foundation. I was notified by the [redacted] Foundation of what I owed them. I should not have an account with a collection agency and I should not have an account requesting the amount that Creditors Collection Service is requesting. I am requesting that this information be deleted from my credit report and closed out with this office.Desired Settlement: Account #[redacted] should be deleted from my credit report and this account should be closed with Creditors Collection Service.

Business

Response:

I have reviewed the account for [redacted], date of

service 03/07/12 . The balance is currently still outstanding for

$157.21. Patient made a payment of $20.00 on 05/01/2013 and a

statement went out to patient for balance of $177.21 on 6/15/13. Patient

made another payment of $20.00 on 6/28/13 which brought the balance to

$157.21. Payment plan was not established which allowed the account

to come back to collections.

Business

Response:

In response to complaint [redacted] received on 5.5.14 from the consumer, we have once again checked with our client, [redacted], and they have sent to us the following email confirming the balance as due:

I have reviewed the account for the consumer, date of

service 03/07/12 . The balance is currently still outstanding for

$157.21. Patient made a payment of $20.00 on 05/01/2013 and a

statement went out to patient for balance of $177.21 on 6/15/13. Patient

made another payment of $20.00 on 6/28/13 which brought the balance to

$157.21. Payment plan was not established which allowed the account

to come back to collections. In addition, this consumer was denied financial assistance based on assets. Manager of Customer Service [redacted] This account was last received by CCS in the amount of $ 157.21 on 10.15.13 from [redacted]. CCS also has noted that on each occasion a dispute was received in our office from the consumer, validation of the debt was mailed to the consumer at an address confirmed as correct by the consumer. Our agency has once again notified all credit bureaus to mark the account as disputed. Our client has requested the claim remain on the consumer's credit record. Again, we have notified the credit bureaus to mark it as a dispute by the consumer. Please let me know if I can be of further assistance. P. Young, President Creditors Collection Service

Consumer

Response:

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Attached, you will find a statement from [redacted] advising that my request for financial assistance was denied and my total account balance is $88.98. Is this collection agency upcharging this account to make a profit? Also, you will find attached a copy of the portion of my credit report in which this account is not being reported as disputed.

In the response sent to the Revdex.com by this collection agency, the ONLY accurate statement is that my request for financial assistance was denied.

This account needs to be removed from my credit report immediately.

Regards,

Review: The business is trying to rip people off by charging a process fee of $42.00 in which it is no where listed on the bill. They are now going back and trying to bill for things from 2008 & 2009 I have NOT received any bills from them in the past 5 years and now this Mrs. [redacted] is threating that if I don't pay this by the 15th of the month this will go on my credit report. The statue of limitations on these two items from 2008 & 2009 has now ran out. The bill I owe is for $150.00 and this is ALL I will agree to pay.Desired Settlement: That I receive a bill in the mail for $150.00 and that is it no more or no less. They buy these accounts at a discounted price then jack the price up to make a killing. I will only agree to pay the $150.00 that I owe.

Business

Response:

In response to the complaint submitted on 9/12/2013 and assigned ID #[redacted], our records indicate that the one account in question for $ 192, $ 150 of which is principal balance along with a collection fee of $ 42 added at our client's request and received on 8.14.13, the entire balance of $ 192 been confirmed by our client as due from this consumer. In compliance with the Fair Debt Collection Practices Act, we have marked this account as disputed while waiting on a copy of the charges from our client. Again, the $ 42 is the collection fee added to the principal balance at our clients request as agreed to and signed the patient as part of their conditions of admissions. We will mail confirmation of these charges and the signed admissions form to the consumer once it is received in our office by our client. In additon, we show two balances of $ 45.82 due from another client, one received August 09 and one received September 09 with different service dates. There was no record of dispute from the consumer on either of these balances in our prior notices and calls. Both charges have been confirmed as still outstanding with our client. Please let me know if you have additonal questions. Thank you, P. Young, President

Consumer

Response:

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.[I will not pay the $42.00 collection fee because I'm not paying them because I've already paid the doctors office PLUS the $42 fee is almost 30% of my entire bill. This fee is not done fairly so if you owe $10,000 or $100 you pay the same fee. In regards to the other two bill have NOT received any bills or statements of collection in 2008, 2009, 2010, 2011, 2012 and not any Bill or statements for 2013 until August 2013. Sounds like something is not on the up and up if you don't receive a bill for five years and all of sudden you get a bill for something you don't owe. If I have to file another better business complaint I will in regards to unlawful business practices I WILL.Regards,[redacted]

Business

Response:

In follow up with our client and the charge of $ 42 for a collection fee, they provided and we mailed to this patient a copy of her conditions of admissions form reflecting her signature and agreement to pay a collection fee should the account be placed with a collection agency. This $ 42 along with the principal balance of $ 150 remains unpaid. We also provided an itemized statement of the charges placed with our agency. We are also faxxing to the Revdex.com a copy of the signed agreement. With regards to the other two accounts of $ 42, this company has now merged and does not have backup readily available to furnish. Therefore, we have cancelled and returned these two accounts and notified the credit bureaus to remove them. Please let us know if we can be of further help. P. YoungPresident

Review: This acount was placed on my credit report, without providing me with a dunning notice. I also was not given the opportunity to ask for validation of this debt.Desired Settlement: I am asking that this account be removed from all three credit bureaus. I would also like for Creditors Collection Service to provide me with a letter, stating that they will remove this account from all three credit bureaus and that they will NOT sell this account to another collection agency. Thank you..

Business

Response:

In response to the complaint listed above, we have contacted our client and they have furnished an itemization of this consumer's charges which we are mailing to him under separate cover. The address he gives and the address we have on file are both the same and there was no mail returned to our office. In the initial letter sent to him, it was explained to him that he had 30 days by law to dispute the debt which is in compliance with the Fair Debt Collection Practices Act. We received no notice of dispute and have left multiple messages with him and his wife since July 2012 when the account was placed with our agency. In November 2012 he advised us to speak with his wife to discuss a pay plan. Our client has advised that the charges were what remained after insurance and were part of his deductible. They also sent three notices with no response from the consumer. Our agency does not buy debt and, therefore, does not sell debt to other collection agencies. At the request of our client, the debt is valid and will remain with our agency and report to the credit bureau. However, our client has agreed if this consumer will pay his account in full by July 31, 2012, they will request that his account be removed in its entirety from all three major credit bureaus. He may send his payment to our office at PO Box 21504, Roanoke, VA 24018.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. Regards,[redacted]

Review: I paid an outstanding medical bill on 10-27-14. On this date I had a discussion with a lady and I asked if it were possible that this item be removed from my credit report. She indicated that it could. I asked if there was a way she could get me a document stating that it would be removed from my credit. I told her anything that stated this would be removed would be great. She indicated she could fax a document stating this in 1-2 days. On 11-4-14 I contacted them again requesting the document stating I haven't received it. I was told the removal statement would be faxed again in 1-2 days. On 11-6-14 I checked because I had not received the removal statement. I was told on this date, by a different person, that it was not a removal statement I was receiving but a document stating it was paid in full. I indicated that's not what I needed since I already have a comfirmation number showing it's paid in full. The lady pulled my account up and stated she sees where I was told I would be faxed a document but it was only to state the bill was paid. I told her that's not what I was told originally. She said we don't have the authority to send that kind of document only our attorney can do that. I said so the original lady made a mistake telling me she could fax me that and I was told again she sees where I was to be faxed a document but it was only to show the bill was paid in full. She said "a document" twice. I'm not sure if the original lady left a note to fax a removal statement and this lady wouldn't or what was really going on. I never heard anything about needing an attorney to fax anything the first two times I spoke to them.Desired Settlement: Remove the item from my credit report as I was told was possible originally. I didn't dispute the bill any way and paid it in full once I located who to pay.

Business

Response:

We are in receipt of complaint ID [redacted] regarding an account placed with our agency in August 2009 in the amount of $ 81.80 by our client. Once the account was placed with our agency we made more than 50 attempts to collect including several in which we spoke with the consumer regarding payment of the account and was promised payment on more than one occasion. On 11.3.14, the consumer contacted our office stating he found this account on his credit record and paid it in full to our agency by credit card. He requested the collection specialist provide fax him a receipt and notification that the credit bureau was contacted o mark the account accordingly. As is protocol, the collection specialist notified our administrative offices to provide the consumer with the requested information. Our administrative representative notified the credit bureau timely but did not mail the receipt that day to the consumer. She then became ill and was off for an extended period of time due to illness. The lady covering her work did not realize that the receipt had not been faxed and did not follow through. Once the Revdex.com notified our office, we immediately and successfully faxed a receipt and provided the consumer with the credit bureau AUD # confirming the consumer's request. Please let me know if I can be of further assistance.

Thank you, [redacted] President

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

Review: I recently pulled my credit report and found an account in collections with this company. The amount is for $190 from [redacted]. I was never notified that this was going on my report by CCS or [redacted]. I use [redacted] for doctors visits but to my knowledge have always paid the bills on time. I have contacted [redacted] to ask about any outstanding bills and they advise that I do not owe any money. I have sent a letter to CCS Roanoke with no response and last week I sent an e-mail also with no response.Desired Settlement: I would like this item removed from my credit report.

Business

Response:

In response to [redacted], our records indicate that the account in question was placed with our agency on 3.15.2013 in the amount of $ 189.85 from [redacted] and a notice was mailed to the consumer on 3.06.2013 to the same address as listed in the complaint advising him that the account had been placed with our agency and providing him his rights to dispute under the Fair Debt Collection Practices Act within 30 days. This notice was not returned to our office and we received no call from the consumer. After that point, our office left messages for the consumer an average of five times per month up until 10.20.14 when the consumer emailed us requesting a call to discuss. We immediately contacted the consumer as he requested at the same phone number we left prior messages at and he stated he was trying to purchase a home and found this on his credit record. He states he had no idea what the bill was for and that he would look through his bills at home. Ms. [redacted] of our office agreed to remove the item from his credit record if he paid it in full. In the meantime, she requested an itemized statement from our client and will mail that to him once it is received. Again, this will be mailed to the same address as prior notices were mailed and as was listed in this consumer's complaint. Please note this bill is for the physician's practice and not for the hospital. It is our understanding that the consumer may have checked with the hospital who stated he had a zero balance and not the physician's practice. As stated, we will forward the itemized statement to the consumer as soon as we receive it from our client and remove the item from his credit record once it is paid in full.

Thank you,

*. [redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I talked with a representative tonight and paid the account in full and was told that this will be removed from my report tomorrow or Monday. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

Review: I looked at my credit report and found this company has listed 15 different negative accounts on it. They have never written me. I do not know what these are for. My understanding is a consumer must be written before something gets reported to the credit bureaus. This has hurt my credit score and is causing to not be able to get a mortgage, decent interest rates on vehicles, and denied for credit.Desired Settlement: Remove these from my credit reports immediately! Send me a letter, as required by Federal law, that explains my rights. I have rights as per the Federal Fair Debt Collection Practices Act (FDCPA) and the State of Virginia.

Business

Response:

In response to complaint [redacted] our records indicate that we have 22 accounts totaling $ 2,679.13 placed with our agency for collection by the billing companies of four separate clients for the period of 3.2010 through 2/2014. They are as follows:

-[redacted]-9 accounts placed from 3/2010-11/2012 totaling $ 1,354.93

-[redacted] Open MRI-1 account placed 2/2014 totaling $ 264.43

-[redacted] Open MRI-2 accounts placed 5/2011-8/2011 totaling $ 785.95

-[redacted] Radiology-10 accounts placed 3/2010-2/2014 totaling $ 273.82

Upon receipt of each account a notice was mailed to the consumer at the address provided to our agency by the different billing companies of [redacted] advising her of her right to dispute the account. No mail was returned to our agency. No letter of dispute was received from this consumer until 6.20.2014 after the validation period required of us by the FDCPA. At that time, the consumer's address of [redacted] was reflected on her letter of dispute. We immediately responded to the consumer at the address she provided of [redacted] advising her that we had notified all credit bureaus to mark all accounts in DISPUTE which had been placed with them by our agency. Due to the fact that this consumer states she did not receive our 22 notices, we will be happy to advise the three credit bureaus to REMOVE all claims reported by CCS upon receipt of her payment in full. Please let me know if I can be of further assistance.

Thank you,[redacted]

President

Consumer

Response:

Thank you Revdex.com.

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

The first time I saw these disputes was when I checked my credit report. I have not been given my legal right to even see and disputes these claims. As per federal law, they were instructed in the letter to not call me but they continue to call and harass me. This is grossly unfair.

Regards,

Business

Response:

In follow up to the consumer's request for validation of the debts placed with our agency for collection, I have contacted our client and they have provided an itemization of all charges. Each itemization is included in the attachment. Please let me know if I can be of further help.

Thank you,[redacted]

President

Consumer

Response:

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

1. These statements are vague and do not reference all the account numbers shown on my credit report. Some of the statements show a zero balance! Why would they be on my credit report?

2. This debt collector has had my current address yet never mailed me anything. I know they have my address because they can report to the credit bureaus meaning they have access to the computer system they use and the credit bureaus are listing my address correctly. They have done inquiries so I know they had my address. Instead of mailing me statements, which they must do per Federal law, as well as notifying me of my rights they just slammed all of this onto my credit report. This has caused me financial harm.

I am asking they validate every account they are reporting to the credit bureaus to meet the letter of the law as spelled out very specifically in the letter I sent them. I ask they delete this from the credit bureau until they do legally validate these debts and I have fair chance to contact them. If they cannot meet what Federal law requires regarding debt validation (see 15 US 1692) they have NO OPTION but to delete this from the credit bureaus and cease and desist collections efforts. They have broken Federal law!!

Please help me!!

Regards,

Business

Response:

We have spoken with the administrator at our client's office and advised them of this consumer's complaint. They are reviewing the 22 unpaid items and the information sent to our agency by the two medical billing companies they have used and are currently using. As stated previously, upon receipt of the letter from the Revdex.com and the consumer's dispute of the accounts, our agency immediately notified all credit bureaus to mark all accounts in dispute until the claims could be validated again. Again, our records indicate that notices were mailed to the consumer at the PO Box provided to us by the medical billing company and later changed to the physical address on more current accounts placed with our agency and no mail was returned to our office.

The reason the itemized bills reflect a zero balance is due to the fact that our client's medical billing companies have written off all accounts to a bad debt status and placed with our agency to bill and collect. The itemized statements provided to the consumer in our prior email was provided to our agency by both of our client's medical billing companies and is customary backup for itemized statements of accounts. Also account numbers assigned by the credit bureau differ from account numbers assigned by our client. We will advise the consumer of our client's decision once we hear from them and the direction they wish to take on these 22 unpaid accounts. Again, all accounts have been marked as a dispute. If the consumer should decide to pay all accounts in full, we do have permission to permanently delete all accounts from her credit records while our client is reviewing her file.

Sincerely,

President

Consumer

Response:

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

They have not ever mailed me anything to validate the alleged debts. By Federal law (15 USC 1692g), a debt collector must validate a debt upon request. They were sent a letter asking for validation, or proof of these debts and that they belong to me (see details in attached letter), yet have refused to comply with the law. By law they must cease and desist collections efforts and have these ALL deleted from the credit bureaus. Additionally, attempts to collect a debt while awaiting validation is illegal per same Federal law and reporting to the credit bureaus is considered an attempt to collect a debt.

Regards,

Review: Collection calls day and night. I returned a notice that I did in fact deny the debt and the amount. Placed on hold when calling, transferred, and then hung up on. How can Revdex.com rate this low end, slimy office an A+. They will not listen, are disrespectful. I am going through terrible health issues . I have asked to stop the calls. This is my 2nd BBN complaint regarding this office in [redacted].Desired Settlement: Leave me alone. Stop harassing me.

Business

Response:

In response to ID [redacted], our records indicate account number [redacted] in the amount of $ 295 was placed with our agency by [redacted] on 3.24.15. A notice was mailed to the consumer on 3.25.15 advising of the same. Two payments were reported by [redacted] to our office, one for $105 on 3.30.15 and the other on 4.6.15 in the amount of $ 40 leaving a balance now due of $ 150. On 4.16.15 we received a letter from the consumer stating the balance was incorrect. On the same date we checked with [redacted] and they advised the balance of $ 150 is correct. We tried contacting the consumer on three occasions afterwards to advise him of the new balance. Our records do not indicate a returned call from the consumer. We have now marked his account as a dispute and are advising [redacted] of the same. There will be no future contact from our office to the consumer on this account. It will be [redacted]'s decision on how to pursue the balance they show as correct. Please let me know if I can be of further assistance.Thank you[redacted]President

Consumer

Response:

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. Very cute response. However, my complaint is based on harassing phone calls, morning noon and night. I do not owe mr [redacted] or CCS a dime.

Regards,

Review: I was responsible for a bill with [redacted] for my dependent. [redacted] does not have an option to pay bills online. The bill was several months old because I had moved and hadn't submitted a change of address card. By the time I got the bill in the mail it had been sent to CCS, but was not in collections though. CCS uses TWO methods to pay bills online. This is where the problem began. I made two payments to lessen the strain on my bank account. The first payment was finally credited. It took CCS 6 weeks to notify [redacted] that I had made a payment. That is unacceptable. I made another payment 3 weeks later but the lady at CCS gave me a different web address to pay the remainder of the bill. That payment was NEVER applied to my balance. After getting yet another bill from ** I called CCS and they said they hadn't r/c'd a second payment from me. THEY LOST IT! They finally found the payment with the reference # I was given, but didn't apply it to any account, no ones account. CCS said they couldn't see where it was supposed to be applied so they just kept the money??? They should have called me or emailed me to return my money to me if they didn't know what to do with it. After numerous phone calls to ** and CCS they told me that it was corrected and ** would be notified of the ZERO BALANCE. WRONG! I r/c another bill from **! When I called they said we only report payment to ** once a month. So I wait for that "reporting day" to come. Today I get a bill from a collection agency in [redacted] For a bill I payed 4 months ago!! I am furious. The amount of time and energy spent on this was ridiculous.Desired Settlement: I want my [redacted] account for my daughter to reflect a ZERO BALANCE. I have paid the debt!

Business

Response:

[redacted], is an extended business office collecting non-defaulted debt for clients. CCS, Creditors Collection Service, is a primary collection agency collecting defaulted debt for clients. While both companies have the same owners, they serve different purposes with different addresses, phones, websites, and staff. In response to complaint [redacted], our office has confirmed with [redacted] (a client that [redacted] services) that their account number [redacted] date of service January 19, 2014, in the amount of $ 161 reflects a zero balance paid in full. We have also requested an itemized statement reflecting the account as paid in full to be mailed to the consumer. As for the first payment in question of $ 83 (81 principal and 2 convenience fee) paid on [redacted] website ([redacted]-an extended business office of [redacted]), and posted at [redacted] on 8.04.14 was uploaded to [redacted] on 8.11.14 for posting. The process at [redacted] is to upload payments every Monday to [redacted] as was done in this case. As for the second payment in question of $ 85 (80 principal and 5 convenience fee) paid on 8.18.14 on [redacted] website (Creditors Collection Service-a primary collection agency), and evidently intended for [redacted] to clear the remaining balance on [redacted] account [redacted], due to the incorrect website used by the consumer, the account could not be located immediately and required further research. As is the policy of both offices if a payment cannot be located within 30 working days it is refunded to the consumer. Our records indicate that the consumer's mother contacted our office regarding the second payment on 9.10.14 and by providing the reference number, the second payment was located and posted correctly. The payment was then uploaded the following Monday to [redacted] for posting. Ms. [redacted] of our office called the patient and explained that she may receive one more bill from [redacted]. Ms. [redacted] then notified [redacted] and requested an itemized statement be mailed to the consumer reflecting a zero balance on the account in question. FYI-the consumer also has an account at CCS and spoke with a collection specialists during the same time this situation transpired which may have contributed to the confusion with the different websites. Please be assured that the balance in question has been paid in full and [redacted] has confirmed it as posted and reflecting zero. This account has no reflection on the consumer's credit record as [redacted] does not report to any credit bureaus. Please feel free to contact me with any questions.Thank you,[redacted]

Review: this company has turned in a negative credit debt under my name and will not remove it. I was told by Mrs [redacted] that she could see that it was an error back on 03/27/2013 and that she would have it removed from my credit. I have since called a total of 5 more times with no luck in removing this from my report. I was told by a new lady today 6-17/2013 by the name [redacted] that it was now on my daughters credit report. Once it was paid in full it could be removed from mine. I have filled a 2nd dispite with Experain today 6/17/2013 with a man by the name of [redacted]. Credit Collection Services knows it is not my debt and should have already removed from my account. I asked for a return phone call on this matter and was told they would not call me back. But she wouldDesired Settlement: I want this removed from my credit report and I think I am owed an apology.

Business

Response:

Our records indicate this account placed with our agency in 2010 was sent in the name of the mother. Numerous calls and letters were mailed to her and not returned with no indication of an incorrect guarantor. Three years later in 3/13, mother notified us that the account should have been placed in the daughter's name who was of age at the time of service. Our office confirmed with the client that the account was placed with our agency incorrectly and should be removed from the mother's name and placed in the daughter's name. We complied with their request and notified the credit bureaus to remove the claim from the mother's name. Today, we once again notified all credit bureaus to remove the claim from the mother's credit record. We apologize for this error on the client's behalf. Considering there are three major credit bureaus and the different time elements for each to delete a claim, if the claim is not removed.from the mother's credit record within the next 30 days, please contact me personally and I will again make every attempt to see that it is deleted. Thank you for your understanding and patience.P. YoungPresident

Consumer

Response:

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I have been told since March that this would be removed from my report. With no resolution. I will not agree to this until it is removed. As to the letters sent to me the address they were using were incorrect so I did not recieve them. I have lived in [redacted] since Janury 2010. Regards, [redacted]

Review: Creditors Collection Service failed to provide the proper documentation as requested, proper VALIDATION has not been recieved pursuant to the Fair Debt Collection Practices Act. Creditors Collection Service has not provided me with competent evidence that show I have any legal obligation to pay them anything. Creditors Collection Service failed to respond to my validation request within 30 days from the date of receipt.Desired Settlement: All references to all accounts now must be deleted and completely removed from my credit file and a copy of such deletions shall be sent to me immediately.

Business

Response:

In response to complaint [redacted], our records indicate 13 accounts placed with our agency by [redacted] from 10.1.14 through 6.3.15 all of which remain outstanding with the exception of one account which was paid. During this period of time calls were made to the consumer with no response other than 10.3.14 at which time the consumer stated he could pay and would call back in a few weeks. On 4.11.15 we received a certified letter from the consumer requesting documentation of his accounts to which we immediately contacted [redacted] and requested an itemization of all charges. On 4.15.15 we mailed these itemizations to the consumer and marked his accounts disputed with all major credit bureaus. On 6.4.15 we received another certified dispute letter from the consumer stating he did not want to receive any more calls from our agency and to only correspond by mail. At that time, we contacted [redacted] for itemizations of the charges and again on 6.9.15 mailed them to the consumer, marking any account received since the prior dispute date as disputed with the major credit bureaus. On 6.8.15 the consumer called our agency stating he was not provided proper documentation. Again on 6.18.15 we requested itemized statements from [redacted] and mailed to the consumer for the third time at the address listed in his complaint. At no time have we received returned mail from the consumer. After the Revdex.com complaint, I notified [redacted] of his continued complaints and they provided another itemization of all charges which I have attached and they confirm as still outstanding and due. Please let me know if I can be of further assistance.Thank you,[redacted]

Consumer

Response:

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Creditors Collection Service failed to provide the proper documentation as requested, proper VALIDATION has not been recieved pursuant to the Fair Debt Collection Practices Act. Creditors Collection Service has not provided me with competent evidence that show I have any legal obligation to pay them anything. Creditors Collection Service failed to respond to my validation request within 30 days from the date of receipt. Regards,

Review: On behalf of my mother, I am making a complaint against Creditor's Collection Service, [redacted] I am responsible for handling my mother's financial matters. In February, 2014, my mother fell and had to enter skilled nursing care due to injuries sustained during the fall. When it was determined the skilled care would be needed for an extended period of time, we discontinued her [redacted] SERVICE. [redacted] continued to bill an equipment charge. [redacted] could not identify the equipment location in her home--once located, the equipment was returned to [redacted] and my mother's account was credited for the fee and her account was closed. [redacted] indicated they would notify CCS to discontinue billing, yet CCS continued to bill. MANY MANY MONTHS AGO, [redacted] again assured us CCS was taken care of. CCS ceased billing MONTHS AGO. Now....CCS has started billing again for charges that were satisfied months ago. PLEASE HAVE CCS CEASE AND DESIST HARRASSING MY 85-YEAR OLD MOTHER WHO IS IN SKILLED NURSING CARE AND WHO HAS NOT HAD OR USED [redacted] SERVICE SINCE FEBRUARY 2014.Desired Settlement: CASE AND DESIST HARRASSMENT FOR CHARGES THAT [redacted] HAS ASSURED US ARE NOT OWED--THIS IS FOR EQUIPMENT THAT WAS RETURNED TO [redacted] UPON CANCELLATION OF SERVICE. THE COMPLAINANT IS NOW IN SKILLED NURING CARE. SEVERAL MONTHS AGO, I CALLED CCS AND EVEN THEY CONFIRMED THE CHARGE HAD BEEN REMOVED. WHY HAS THIS RESURFACED WHEN THIS WAS RESOLVED MONTHS AND MONTHS AGO????

Consumer

Response:

Hello....thank you for your response. I have attached the additional information that you requested, including a copy of the notice, a copy of a letter that I sent to CCS, and a copy of my mother's POA. I left a message for CCS to call me and I also sent them a letter. They have been NON-RESPONSIVE. Again, the [redacted] equipment was returned to [redacted] nearly a year ago. On at multiple occasions, [redacted] has advised us that CCS has been notified that my mother owes NOTHING. It was thought that this was resolved last spring--once the equipment was located and returned (we couldn't find it--it was installed in the rafters in her basement). T Jhis bill has reappeared after MONTHS AND MONTHS of silence. Thank you for your help with this. [redacted], POA for[redacted]

Business

Response:

In response

to complaint [redacted], our records indicate that the account with [redacted] was received in our office on 7/2/14 in the amount of $44.56 for

service and $63.18 for equipment. Permission to speak with the

consumer's daughter was not given by the consumer, nor was a POA received

in our office until 3/2/15 . Upon receipt of the Revdex.com complaint on

2/28/15, CCS contacted [redacted]s regarding the balance owed. [redacted]

responded today, 3/6/15, advising CCS that the service was paid in full on

7/3/14 and the equipment was returned on the same day. We have marked our

records accordingly and there will be no further contact with the consumer, nor

has this been reported negatively on her credit. We apologize for any

inconvenience this has caused. Please let me know if I can be of further

assistance.

Thank you,

*. [redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. It is noted, however, that this was resolved in 2014, with no further contact from CCS until the bill resurfaced again in 2015. Based on the current written confirmation that the billing matter was resolved in 2014 and there was no adverse credit reporting, the response is accepted as resolved.

Regards,

Review: I called Blue Ridge [redacted] on 11-21-13 to pay a balance that I owe for service they provided in the amount of $277.00. I was told that day that it was sent to the collection company 10 days prior and they gave me the number to the collection company CCS. I then called CCS and was told they did not have the account in their office as it has not yet been uploaded. I was promised a call back that week and did not get a call. I called again a week or so later and again they said it is not yet uploaded. I expressed my willing to pay the bill of $277.00 as soon as possible so this does not go on my credit report. It has been more than a month trying to pay this account that I finally got a call from CCS which was an automated message stating to call them on 12-27-13. I called to pay the balance in full and was told that the balance is $346.25. I was first told that I signed a paper that agreed with this amount being charged to me if it went to collections. I called Blue Ridge again and they deny any such clause in their paperwork on that I am the responsible party and agree to pay for services rendered. I called CCS again today and was told that the fee is the collections companies fee and it is hard coded and can not be removed. I asked for an itemized statement showing the charge of $69.25 and was told that they can not provide me with such a document on the full balance. I would like to know how their fee is calculated in the balance owed and why they say the client authorized such a charge when they deny any such requests. I am ready and willing to pay the balance in full but I need to know if this fee is legal and why they can not provide me with a statement. According to the Fair Debt Collection Practices Act I would have to agree to pay this and at no time did I agree to pay this fee. Also, I asked if this debt it paid in full within 30 days this should not be reported to the credit agency's and she said it shouldn't but did not confirm this information which I thought by law they have to give you 30 days before they reported to the credit agency. I certainly hope they do not count the time in which it was not UPLOADED as part of the 30 days because that would not be fair at all.Desired Settlement: I would like this fee of 69.25 to be removed as I did not agree to this fee. I would like confirmation that this fee is legal. At the very least this should be reduced as this is extremely high for a fee or interest on the balance that I owe. I would like the copy of the statement that I supposedly signed agreeing to pay $69.25 as well as an itemized statement showing their charge separately. I would like all of this done before the 30 days is up so I do not get reported to the credit bureau.

Business

Response:

In response to ID [redacted] our records indicate the account was received in our office on 12.23.2013 for the amount of $ 277 with contract agreements to add a collection fee of $ 69.25. On 12.24.2013 we mailed our notice as required by law and then on 12.26.2013 made a follow up call. We later received the consumers' response on the same day disputing the collection fee. We have now been advised by our client to waive the collection fee of $ 69.15 upon receipt of the principal balance of $ 277. This account has not been reported to the credit bureau in compliance with the Fair Debt Collection Practices Act. The consumer may mail their payment to CCS at [redacted] or call our office at ###-###-#### with her credit card information. She may also go online and pay with check or credit card at [redacted]. Please let me know if you have additonal concerns.

Thank you,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,