D & D Door

Mr [redacted] stated nothing of the sort in the ORIGINAL complaint about SPEAKING to your office on and Clues to this would be words or statements such as "I called the agency" or "telephone" "I got voicemail" and as you can see, none of those were used It said date of contact, those are the dates I mailed the lettersThe FDCPA does have everything to do with the window to dispute and in doing so you realize that you putting the date that you mailed a Dunning Notice to me was I would love to see some TRACEABLE evidence of your agency that said letter was mailedMy letter to your agency originally was sent within days after discovery of what the debt wasI never received anything from your company therefore my only notification was my credit reportNot knowing what I owe three thousand plus dollars for at a school I went to after dropping my classes well within the time frame makes a person stop and thinkIf I sent you a bill for $dollars would and said pay me or it goes on your credit, would you not want to know what service or product the was for before paying?

We attempted to reach out to Ms [redacted] prior to it reporting but she never responded She didn't respond at all until it was on her credit report Even then, when the attorneys office first spoke with her, that was in Febwhen she said she would speak with her mother as she had two insurances and she would get back with them She also told our client the same thing back in Oct She then reached out in June to say she would fax but we show no record of receiving them The bill is from March and it is highly unlikely any insurance company will pay for a bill that is that old Our client at time of service was provided with BBP and UHC We suggest she follow up with them to see why they didn't pay

First, we do take Revdex.com complaints seriously and that is why we respond to them in detail the best we can by reviewing calls and notes before responding I realize I wasn't clear regarding the August call so let me elaborate We received an inbound call after placing and outbound call several hours earlier and the male we spoke with never identified himself and became belligerent and rude We identified ourselves different times in the call At no time did that person say they worked 3rd shift and as they called us back, it is hard to believe it was an inconvenient time Most of your rejection is regarding the above so at this point, that issue has been put to bed Therefore, the rest will remain mainly the same We do not disclose the nature of the call until we can identify we are speaking with the proper party to ensure that we are not revealing anything to a 3rd party In both "conversations", the individual who answered the phone call refused to identify himself (even though we did multiple times) or verify any information to ensure we were speaking with the proper person We have addressed the actual complaint and we see no need for a further response You can address the issue further as you would like but as we have acted in the individual we are calling for's best interest, there will not be a different response

Thankfully, our staff notates everything so we can paint a picture a little more accurate We are not, all of a sudden reaching out years later We spoke with Ms [redacted] back on April 22, 2016, only days after it was listed here and days after we sent a letter to the family regarding the balance to the address listed in the complaint As we handle second placements, this account had been worked previously by a different agency before being placed here At that time, Ms [redacted] claimed that financial aid resolved the balance We asked for proof since it was a recent placement but they never provided the paperwork We followed up several times and also left messages without a return phone call at the same day time phone # listed in the complaint The desired resolution is to have the balance written off We advised the family back in April how to go about that and we are still waiting on them With the proper paperwork, that can be done If they cannot provide that, we can gladly reduce the balance to help the family resolve their outstanding balances, but we would prefer to close it out to charity if they truly were granted it

Our client has no such notation and we provided as requested info to the [redacted] s She then asked for more information Prior to being able to provide that, Mr [redacted] resolved the balance with our office We have him at a zero balance and are not pursuing him He also wants this removed from his credit, but it was first reported in January Mr [redacted] did not resolve until well after it was reported This will not be deleted from his credit report as nothing was reported incorrectly The fact is, the only reason this was resolved was beca**e it was on his credit report At this time, if Mr [redacted] feels the [redacted] s should be, he needs to handle directly with them

Mr [redacted] has a lot of questions so we will attempt to answer them all First, he said he didn't recall getting a letter about it We sent two letters out prior to and then again on He also lists the phone # of ###-###-#### times over a month period prior to him calling our office, leaving messages multiple times of those were prior to it being reported to the credit report We are unsure how Mr [redacted] wasn't aware of out attempts to reach him He also states his wifes bill is included with his Ohio Law is clear that a married person has the duty to support his or her spouse We refer Mr [redacted] to [redacted] for the proposition that a spouse is liable for the cost of medical care furnished to the other spouse We did receive his validation request on and are in the process of getting those from our client As soon as we have, we will provide The reason he got a general letter was because when he did call in on 12.9.2015, he asked for a letter We sent it Once we get the itemizations (we do not have the ability to print ourselves so we must request them and mail them), we will provide them to him There must have been some miscommunication because if Mr [redacted] tells us to apply money to a specific account, we will apply as directed He just needs to make sure that on his payment method, he tells us he wants to money to go to the account with him listed as the patient ( [redacted] ) vs the one with his wife listed as patient ( [redacted] ) We apologize that asking him to pay a bill owed since (and previously worked by another agency) and one for his wife from (again previously worked by another agency) is causing a financial hardship on him We are happy to work with payments and my staff noted he intended to pay $a month on balances totaling $ We set him up on a month payment plan, which is really a pretty nice agreement This bill was reported correct and will not be removed from his credit report as it was all done correctly He also mentions that he doesn't want a bill from his aunt or brother not put on his credit report We are not sure where he is going with that We do not know who his aunt or brother is and don't intend to report something Mr [redacted] doesn't owe Mr [redacted] states he works hard to keep his credit clear We agree that it looks like he does as he has resolved other accounts with our office prior to reporting We are unsure why this time it didn't work that way but will gladly report any payments to the credit report as they are made He is welcome to report to the original creditor, but please remember, we are the ones that report to the credit report, and we would hate for a delay in reporting to effecting our ability to report the payments as they are made

Has [redacted] provided any proof of the alleged phone call? He doesn't give a date of the "alleged" call but since the Revdex.com report came to me on 8.23.2016, I shall assume he is meaning that day However, it doesn't matter what day he is stating it happened I am attaching proof of the calls we made to that telephone #, including the date and time that each call ended We have no desire to call a wrong # We were told it was a wrong # and have not called it back since If [redacted] has proof of the call, we are happy to research further

We are continue to report the account the to the CBRs as we are required to do so, paid or not Attached is a screen shot showing the current account status code for Ms [redacted] Her account status code is Per the Metro Credit Reporting format, we are using code which is "Account paud in full was a collection account, insurance claim, or government claim" If the CBR's are reflecting a current balance is due, Ms [redacted] should reach out to them to address Also in the screen shot is the date closed date We show it as We have done what we are obligated to do It appears Ms [redacted] has an issue with the CBR's, not Meade & Associates, Inc

MrHenderson's memory does not match the notes on the account He told us his mothers account ended up on his credit report on and on we notified the credit reports to remove it from his credit report Therefore, we did exactly what he asked us to do If it is still on his credit report, it could be that they have not processed the request yet We encourage him to file a consumer dispute of the account and we will remind the CBR's that we already requested deletion.ThanksTony

To Whom It May Concern,Attached is a copy of the bill I received from [redacted] in Sept. 2014. I paid the amount requested in a timely manner. (My bills are never late. Feel free to check my credit rating).Now, three years later, they are asking for more money on a procedure I had done in January, 2014.I am definitely disputing the validity of this debt.Thank you for your time.Sincerely, [redacted] ***

Mr [redacted] informed us of this with an email he sent to us which we reviewed on At that time, we asked him to call our office to discuss In his complaint, he tells us that but provides nothing for us to review In order to properly address his concern, we need proof We cannot just take him at his word In order to discuss his situation, he needs to call or office We are also miffed as to why he would file a complaint here prior to attempting to resolve the situation with our agency

We are confused as to why this is a valid complaint against our office There is nothing in here alleging anything we did wrong There is nothing for us to respond too That said, we got her letter stating why she doesn't feel she owes and we requested an itemization from our client That was received yesterday and is being mailed to the consumer in the next day or two

I never received any mail regarding this debt neither I received any phone call from the companyPlease provide the proof on which number your company called and on which address your company sent mails and secondly this debt is not belonging to me Regards, [redacted] ***

Please send me a letter stating that the account will be removed from my credit report to [redacted] Regards, [redacted]

We dealt with the same thing with this individual back in August In order to avoid releasing any private and personal information, we need to verify we are speaking with the right party We are sure that Mr [redacted] can appreciate that we would prefer not to disclose anything regarding his personal debt to anyone other than himself We use multiple pieces to do that, including but not limited to, the last of a social security number, or, for those that are concerned about that, the date of birth In both cases, the phone # that we spoke with someone at, the 3rd party on the other end of the phone refused to verify personal information and therefore, we did not disclose nor release the private nature of the call If the calls were at a inconvenient time, Mr [redacted] just needed to express that and we would have gladly sought a better time to call As his voiced in the last call that he works 3rd shift, we have no initiated any phone calls to him In reviewing the call, Mr [redacted] immediately began using profanity with seconds of the call initiation He also states we refused to identify ourselves, but the call lasted seconds and during those seconds, our staff properly ID themselves different times Mr [redacted] refused to confirm his information and therefore was advised we cannot provide the nature of the call

just as they can report paid they can report closed they just choose not toperiod

Ms [redacted] is accurate for most of her statement However, upon review, she was told "It is going to process for $as there is a small $processing fee" From there, Ms [redacted] does not say do not run the card then She goes onto say that she wished she'd known and she would have mailed a check but again, never said do not run the payment After that, she asked how it will appear on the statement and our staff answers that At that point, staff tells her that the card has processed Based on the review, she had the chance to cancel the payment and just assumed it had already been ran Even had she been correct in her assumption, she could have asked to have the payment stopped and we would have gladly done so We have to cancel payments from time to time when folks ask us to do so because they need the money for other things We are in the business to help people and we even though we have authorization to process and are in the right to do so, we still cancel the payment in an effort to help Our procedure is to advise of the $fee prior to running any payment made and we feel our staff acted in compliance with our proceduresWith all that said, and because we are not "shady", we will gladly refund the payment as Ms [redacted] can issue a check if that is the route she wishes to take The refund will take approximately 48-business hours once we are notified that a refund has been requested Ms [redacted] can reach out to our office directly, ###-###-#### referencing account # [redacted] and it will be taken care of

Our apologies to Mr [redacted] but we have done as we are required to do Attached is the credit reporting status on each of the accounts for Mr [redacted] To explain what it means, we have also attached screen shots explaining out codes We were notified of the bankruptcy in April, At the end of April, we updated the credit report The last screen shot shows that happening I didn't capture it for each account as the notes are the same for all The first set of screen shots shows all accounts being an R and the last report date was We have notified the CBR's and this data should serve as proof of such Should Mr [redacted] not be happy with how the CBR's handled our requests, we suggest he contact the CBR's directly He can dispute the accounts with them and we will reply that they are part of his bankruptcy We hope this paperwork will allow for the Revdex.com to close this complaint without further response from our agency

We have marked the # for *** *** as do not call as his Complaint Detail directs us to If we are reaching him at the "most inconvenient times of the day", he is welcome to reach out to us at times that are more convenient for him Our office hours are 8a-8p Monday - Thursday,
8a-4:30p Friday and most Saturdays 8a-12noon If we are unavailable, we do have voicemail and he can let us know when is a convenient to for us to reach him We will state though, that we have not called him times in day At most, we have called was 3, on June 2nd, where, unfortunately, he was on hold but didn't get connected at 6:34p We tried back at 6:45p and then at 7:45p and neither time, was able to connect with him We have called as early as 9:18a on June 5th when a message was left and as late as 7:45p but we didn't connect with him With regards to days a week, we have only placed calls to the # he provided, starting on We did sent a letter to *** *** but that apparently is an old address based on his complaint Therefore, we will mail a letter to the new address in hopes that he receives it and chooses to respond

Because Ms*** chose to pay our client instead of us, we cannot just take her word for it We checked with our client and as of they show no payment We are supplying them with the paperwork we received but until our client can confirm paid, we cannot update it
Should the client confirm paid, we will ask them when and take the appropriate steps to update the credit report correctly