D & D Door

We dealt with the same thing with this individual back in August 2016.  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 4 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 5 seconds of the call initiation.  He also states we refused to identify ourselves, but the call lasted 79 seconds and during those seconds, our staff properly ID themselves 5 different times.  Mr. [redacted] refused to confirm his information and therefore was advised we cannot provide the nature of the call.

Mr. Henderson's memory does not match the notes on the account.  He told us his mothers account ended up on his credit report on 8.30.2016 and on 8.31.2016 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

As the account started in 2011, we will provide a quick recap based on all notes.  We notified her of the balance the end of July 2011.  We her up $5 a month on in August 2011.  She has missed payments from time to time but we have allowed her to continue to make payments.  In...

March 2012 she accused us of taking money out of her account but she had been at the time paying only by money order so we had no account information, and even since then, we have not attempted to take money from her account. Though out the years, we randomly follow up with her as she had missed a payment and to remind her of it.  In August 2012 she told us to stop calling to remind her and then in December 2012 she called to tell us it was okay to call and remind her as we had sent a letter as she missed November 2012.  We then had to follow up with her in Oct 2013 as she missed the September payment.  We then didn't have to follow up with her until 12.1.15 this year as we hadn't received the November payment (we we received an posted that afternoon).  She then told us she wanted information from us on 12.3.2015 which we had to gather and we provided that to her via mail on 12.23.2015.  It appears she jumped the gun in filling this.  There was no conversation with her in December 2011 as alleged.  We are unsure how a problem could have occurred in June 2011 as we didn't get the account until July.  What she is asking for here is less than she asked for in her letter.  Had she simply asked for a payment history, we could have provided that within a few days time but she asked for a "full history" (which she didn't expand upon to explain what she meant) so we assumed she wanted a copy of the original bill which needed to be pulled from storage. Based on her request here, I have attached her payment history to further solve the "problem".

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 2014.  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.

Attached is what info was submitted to Equifax earlier this month.  Compliance Condition Code is XR.  Per http:/[redacted]/compliance-condition-codes.html XR means : Removes the most recently reported Compliance Condition Code.  We have done what we need to do. ...

Ms. [redacted] might be better off discussing with the Equifax as to why it hasn't been processed.

We apologize for any frustration.  It does appear that the original receipt was not requested on accident.  We do hold receipts for several days to ensure there is no issue with a payment.  The fax receipt letter was sent today at 11:34 and is confirmed as being a successful...

transmission.  If Mr. [redacted] didn't received it, he is welcome to reach out to the office.  As we have sent the receipt, while under no obligation to do so, we will consider the matter closed.

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 Feb. 2015 when 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 2013.   She then reached out in June to say she would fax but we show no record of receiving them.  The bill is from March 2013 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.

Hello,I received your final response indicating that there is nothing else that Meade & Associates can do for me.  Please note that I feel this is not right. 1. The so called support submitted fails to show any identifying information that the account listed was for me. 2. They also failed to respond as to why they did not provide me any information when requested on 12/19/16, but were absolutely willing to provide the information when a Revdex.com complaint was filed.3. They have also not responded as to their treatment of me when I called (hanging up me). I would implore you to request the tape of the call as I was told up front that the call was being recorded. I feel that they are insinuating that I asking for the world and that I was screaming and hateful when I called them, which I was not.  They were not nice to me and would not provide me any requested information.I am simply asking that they resend the information to the credit bureaus (if it was in fact originally sent on 8/5/16), as it was obviously not received by them.  As the information they provided does not prove that it was done in the first place. I do not understand why they can't do this? They sure reported it to the credit bureau right away.Please advise. Thank you,

We wont get into a back and forth on this.  We will however, respond with the following.  If [redacted] has a bad experience with out office, then our apologies.  However, she does misstate a few things.  She was not told it would be removed on the first, because that is not...

something we do.  We report to the credit bureau's the first week of each month (week being the key).  In her case, we did notify the CBRs that the account needs removed and have received confirmation they have received our files.  The issue is though, and had she not hung up, she would have heard, that we are not sure how long it takes the credit report to update our tape files.  We can only control when we send them the info, and attached is proof that we have done so.  Three screen shots are attached.  The explanation of what a D means.  There is no D visible because we put that on there, and then it converts to an R once the CBRs are notified.  The second is the meaning of the R character.  The last one shows that as of 5.31.2015 activity, we have in fact done what we said we would do.  While [redacted] paints a picture she was calm, that was not the case, and had she in fact been calm and stayed on the call, she would have been told that, in the time between we spoke and the time it takes the CBRs to update, we would have gladly told anyone reviewing her CBR that we were in the process of updating her credit for her.

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 8.6.2015 and then again on 8.24.2015.  He also lists the phone # of ###-###-#### 38 times over a 4 month period prior...

to him calling our office, leaving messages multiple times.  29 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] [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 12.7.2015 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 2013 (and previously worked by another agency) and one for his wife from 2014 (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 $25 a month on balances totaling $789.64.  We set him up on a 31 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.

I do not hold any contract with them.

Mr. [redacted]'s name has been in our system since the account was placed with us, back in May 2013.  That means he was a joint owner of the checking account with Ms. [redacted].  Letters were mailed to the address on the check and would have had both individuals named on the check.  We...

have reported the account to the CBR's since August 2013.  Prior to then, we sent two letters and made 4 telephone calls.  In August 2016, Mr. [redacted] called in to resolve the balance.  More than once our staff explained that we would mark the credit reports as paid in full, not delete the accounts as Mr. [redacted] asked.  Again, we told him more than once that we do not do that.  In October 2016, he alleged that we did tell him that we would delete from the credit report if paid.  At that time, the issue was escalated to management to review the call recording.  Management confirmed that we did not make any agreement but again, told him they would update as paid in full.  As our policy so report true and accurate information, we refrain from entering into any such agreement.  This was explained to his wife on 10.21.2016 when she called in.  Should Mr. [redacted] have any proof of said agreement he alleges was made, we will gladly research it.

There was no account # provided but we have located the correct person as we mailed copies of checks as they were asked for back in Feb 2017.    In order to remove any doubt of receipt, we are attaching them here.  If Ms. [redacted] claims she did not write the checks, we need a copy...

of the police report and an affidavit of forgery so we can review it with our client.

Meade & Associates does not make agreements to pay your bill, and we will remove it from your credit report.  That is not a true and accurate situation which is what we are obligated based on our agreements to report.  We sent a notice to Ms. [redacted] regarding the balance.  That...

was the billing address of her Visa at time of payment.  We also attempted to reach Ms. [redacted] by phone to the phone # she provided to our client at time of service.   We have followed the law and updated her credit report as paid in full as required.  We will review any further proof Ms. [redacted] has but her account is reflecting properly on her credit report.  She had a bill end up in collections.  She failed to resolve the balance prior to credit reporting.  Post credit reporting, she resolved the balance and it is paid.

As mentioned when we first responded, we had been in contact with
our client and were awaiting their response.  Here is where it stands and
what our client is telling us.  The balance placed in collections was
$1140.00.  Our client has requested we adjust the balance down to $415.96
which we have done.  That new balance will reflect on the credit report
when we update it the beginning of next month.  That balance comes from
the following: $43.56 from DOS 1.5.2010.  $356.60 from DOS 1.11.10 and
$15.80 from DOS 1.26.2010.  For the DOS 1.5.2010, $73.56 was applied to
her deductible, but as the patient paid $30, only $43.56 is owed.  On the
1.26.2010 DOS, UHC applied $45.80 to her deductible as well, but as the patient
paid $30, only $15.80 is owed.  UHC bundled the 1.11.2010 DOS and
therefore didn't pay the proper amount.  Orignally UHC had resolved the
DOS but they took their money back in 2010 and when the patient spoke with the
client in 2012, it was too late to go back to UHC. However, in an effort to
compromise, the client is willing to accept what UHC would have paid ($356.60)
instead of pursing the full amount owed to them.  They feel fault lies on
both parties.  They could have appealed the claim but the patient also
didn't respond for 2 years until it was on her credit report after being billed
multiple times.  Therefore, again, the client has written off $724.04 in an
effort to resolve the situation.  If and when Ms. [redacted] pays that portion,
we will also update that end of it to the credit reports.

just as they can report paid they can report closed they just choose not to. period.

We have no documentation of receiving any dispute or request for verification from Ms. [redacted].  When we get disputes, the information is scanned into our document archive system so we have a record.  We then provide a copy of the breakdown showing why the balance is owed.  Because...

this is the first request we have received, we will obtain a detailed itemization showing why the balance is owed and mail a copy to Ms. [redacted].  In the mean time, we have also flagged the account as disputed in our system so that it will reflect as such on her credit report.  We are however concerned that she is alleging that the account is on her Experian Credit report.  We do not report to Experian and if Ms. [redacted] can provide proof of that, we will certainly work with her to ensure its complete removal from her Experian credit report.  However, without proof, we have no avenue to discuss with Experian their error.

[redacted] has asked for a list of all her bills.  That process was already initiated when she called yesterday.  I have also marked all of her accounts disputed as she has requested.  We will be glad to work with her regarding her remaining balances.  We have been trying to do so...

for a while when we started mailing notices to her address listed as well as calling the phone # she provided.  If she wants to tell us her dispute with each once she receives, we will be glad to research each and every one of her disputes.

Unverified Accounts This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The unverified accounts in question is listed below. Please send me copies of the documents that you have in your files as of this that you used to verify the accuracy of the account listed below. Under the Fair Credit Reporting Act, 15 U.SC. 51681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts has been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611(a)(5)(A)(I). By publishing this inaccurate and unverified items on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.SC, 5 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the accounts listed below within 30 days of receipt of this letter then you must remove this account from my credit report.

I cannot agree to pay this "debt".  Again, I had surgery in Jan 2014.  They sent me a bill in Sept 2014.  I paid it in full.  Then 3 years later, they want more.  It's unusual at the least.Since Meade and Associates is asking for the money, the complaint is against you as I was advised to do.I met with one of my bank officials, and they let me know that 8 or 10 people have medical debt.  Mine is quite small and shouldn't affect my credit rating much.  My house is paid off, and I see no need to borrow anytime soon.I intend to file a formal complaint against [redacted] and Dr. [redacted] with the [redacted] Medical Board.  I'm interested in their viewpoint and opinion.  After that is resolved, I'll give it more thought.I spoke on the phone to one of your respresentatives the other day.  I was only trying to have a converstion.  I was never rude nor did I ever raise my voice.  I was trying to explain my situation, but she appeared to have only certain,specific responses.  I found her to be unfriendly and cold.  
Regards,[redacted]