D & D Door

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.

I do not have a contract with you and have not received any goods or services from you. You failed to respond to the letter or provide validation of what good or service I received from you. Because you've failed to provide proof I demand that this account be removed. You're correct I will not pay an account that fails to provide the legal binding contract. Only would I pay the contract if proof was provided. Because no proof of contract was provided the reporting on my credit report is incorrect and should be removed. In the event that it is not removed I am prepared to proceed in court with my attorney [redacted].
Regards,
[redacted]

We have reviewed with out client, as we said we would, and today they have confirmed receipt.  We will update the credit report accordingly to reflect the proper payment.

Ms. [redacted] waits 13.5 months to resolve her obligations to our client and expects credit reporting updates in less than 2 weeks.  We update monthly.  Our credit files were sent to the CBR's over the holiday weekend.  We notified them that Ms. [redacted] paid her balance owed.  They...

should update her credit file to reflect the payment being made.  It will not be removed from her credit report but rather show she had an account end up in collections and that she has paid it.

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.

First, our apologies for the delay.  However, we are conf**ed as to what Mr. [redacted] is alleging we did wrong.  He claims HIPAA, but we have not, nor will we, share his private medical information with anyone.  He states the account has a zero balance, which we concur that it does...

and have reported that to the credit burea**.  The fact is, we had an account sent here in Aug**t 2013 that didn't get paid until June 2015.  He has disputed it several times, and in accordance with the FCRA, we have reported it as disputed to the credit reports.  He also mentions [redacted] but that has nothing to do with **.

[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:Despite the business' claim that they have removed my number from their system, I received yet another call this morning at 10:02 AM looking for the same person.  At this point, their blatant lies and failure to adhere to the simplest of business practices has forced me into contacting my attorney.  After reading more on this company, it appears that I am not the only person that has to take this avenue of action against them.  I have provided records of inbound phone calls to my attorney from this company, and we will proceed further.
Regards,
[redacted]

This was explained to Mr [redacted] back in February 2017 when he called and asked that we remove it.   We are obligated to report true and accurate information to the bureaus.  The fact is, a bill was incurred and didn't get paid until after it was reported to the bureaus.  Had...

Mr. [redacted] provided a forwarding address when moving, both the clients statements and ours would have been forwarded to him.  Address forwards through the USPS are 12 months.  As the balance wasn't even 12 months old when paid, it would have been sent onto to him, and probably would never have ended up here.  Unless Mr. [redacted] called our client to end service and then pay the balance that day, it would easily make sense that a balance would still be do.  When calling to terminate service, providing an updated address would have easily solved this problem as well.  We will report the account paid as we are obligated to do.  The account was reported correctly and will not be deleted.

issue not resolved
Regards, [redacted]

Going into details and facts of this case is pointless.  Mr. [redacted] has threatened to sue our client unless he gets his way and therefore, our client has instructed us to remove the account from his credit report.  We have already ran credit reports for the month of August activity and as...

we report monthly, we will report during our September activity that the account needs to be removed from his credit report.  That report will be sent the first week of October.  We have no way of reporting it earlier.

Our apologies for the delay but as his complaint was more directed at the actions of our client, we needed to confirm with them on how they wanted us to handle.  They have advised us to write off the balance and therefore, Mr. [redacted] no longer has a balance due with our office and we consider...

him paid in full.

We are aware of the difference between debit and credit.  Our client write's the account off when they place it into collection so it does not continue to remain on their books to ensure they are not billing the student for the balance in collections.  In order to do that, they process the write off as a credit to get the student to a 0 balance.  Therefore, what Mr. [redacted] has circled claiming that he doesn't owe, is in fact, the amount that he does owe and the description for the accounting ledger entry of account adjustment is the code used when placing it with our office.  All of the other [redacted] students we work with seem to understand that with a simple conversation with our office.  We look forward to having the same conversation with Mr. [redacted] should he choose to call our office.  We have satisfied our requirements under the FDCPA and at this point, see no need to comment further.

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]

They share claim verified with the credit Bureau.-See 5/7/15 letter to Meade - to inform them that this was billed incorrectly & told them & the Credit Burea** who to bill.-See 5/4/15 Fax to Mid OH [redacted] - told them who to bill with the [redacted]-Details of billing from OH. Health (see address is [redacted])**Meade needs to remove this as Mid OH [redacted] even told me that the account is NOT with Meade & they would bill the [redacted] & th** I would be reimbursed for paying, when it was a billing error to begin with!Please expedite removal. This has ca**ed a financial hardship & I don't want to go further.Thank you.

Thankfully, our staff notates everything so we can paint a picture a little more accurate.  We are not, all of a sudden reaching out 3 years later.  We spoke with Ms. [redacted] back on April 22, 2016, only 7 days after it was listed here and 6 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 2016 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.

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.

[redacted] has fabricated so much in his compliant that it is comical.  The only record of an inbound call to this office was on 8.16.2016.  At that time, he said he had missed a few calls.  We asked what #.  He provided ###-###-####.  We told him who we were trying to reach...

on the phone.  He said "yeah I am sorry, I don't know who that is, I'm sorry".  My staff said "Okay, thank you" and ended the call.  So at least one part was accurate.  I am not sure where the rest of his complaint is coming from.  At no time did my staff mention anything about how we do things.  And why would we keep calling a wrong # seeking money from the wrong party to "they will find me to get their money".  Thankfully, I reviewed the recording and also can track in my notes what happened.  On the 16th, my staff marked the # as a wrong number and we have not called in since.  We have also added it to our never call this number list which prevents it from being called ever.

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,...

2013.  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 4.20.2013.  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 an agreement with the credit bureaus to report true and accurate information to them. In this case, the truthful situation is that Mr. [redacted] had an account end up in collections. Mr. [redacted] paid the account after it was reported to his credit report, and per the notes, because he found it on...

his credit report. Because it was then paid, we reported to the bureaus that the account was paid in full. There is no law stating that a paid in full account is to be deleted from the credit report. We follow our agreement with the bureaus and we follow the law. We cannot accommodate Mr. [redacted]'s request.

In an ongoing dispute with medical insurance and the related vendor (in this case Ohio Health), this business steps in to collect outstanding A/R.  Upon receipt of the notices in March, I promptly notified the agency that I dispute the debts' validity (via email to the address provided).  The 40 phone calls may not have been answered personally due to the harassing nature and telemarket-like nature of the tactics.  However, no voice messages were ever left, nor was any notice that some third party with personal information was going to file a derogatory credit notice using my SSN which was illicitly obtained from personal information provided by [redacted].  The company has failed to provide the requested documentation to validate the debt (as required by law), which was requested in March.    In this case, I appreciate the efforts of Revdex.com and the response provided by the company.
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.