D & D Door

This bill is from 2 years ago.  We have sent letters to a local address and have not received any mail returns and have been calling a [redacted] area code telephone #.  We have unique information that we can use to verify if this is the right person, but that information cannot be shared via...

this portal.  A simple call to our office can be used.  If it is the wrong person, we can walk them through the necessary steps to get the credit report updated.  In fact, a call to our office could have easily resolved this without Revdex.com involvement but that is not the route they chose to take.

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]

We have addressed the complaint that was filed against our office though our office did nothing to warrant the complaint.  We cannot speak regarding things that do not take place in our office.  There is nothing else we can say on the matter and will now consider it closed.  If Ms. Lynch wishes to resolve the balance, she can reach out to our office at ###-###-####.

Mr. [redacted] is the insurance carrier for his child.  Mr. [redacted] received checks from his insurance for our clients medical service the provided.  Mr. [redacted] failed to turn those checks over and was sent to collections.  We sent him a letter a notified him of this well prior to it...

reporting to his credit report.  Once it reported, he responded and in September, was to forward the checks but he never did.  In November, after more phone calls from our office, he forward some checks and a payment was posted.  At that time, another check that needed to be re-issued was to be sent to resolve the balance.  Mr. [redacted] failed to forward that check.  Even though he hasn't paid, he has harassed our client to the point that our client has instructed us to have the account removed from his credit report.  That flag was made on 12.28.2016.  We are currently in the process of reporting that to the credit reports.  Mr. [redacted] has asked us not to contact him again.  Let it be known we haven't since November when he forward some checks to have them posted.  At this time, he is getting his way and the account is being removed from his credit report even though it isn't entirely resolved.

First allow me to thank you for sending me the copy of what I signed as a student, confirming I was a student, even though that was never up for debate. The balance was up for debate. I'm still questioning the validity of your claim as knowing what constitutes a debit and credit - and now ledger. A "ledger" should show a DEBIT to the account (i.e. school gives a uniform for 100.00 and there is a zero dollar balance, the amount in the CREDIT should equal the same amount. For every debit should be an EQUAL offsetting credit. If I could have you look at the two pages included with this response you can see in the first page that doesn't have my writing on it, that there are charges for items that offset the amount in the credit column all the way up until 4/8/13. Please look at the fourth entry of 04/08/13, in which I circled for you. It states "Charged 4 CR for BIO250LECDAY-A..." for the amount of $1,000 dollars. Seeing how I know and you know that we both agree that the school wasn't charged that amount for the class, it had to be me right? Look at the next one for $750.00. THESE ARE CHARGES INCURED TO ME, THE STUDENT. Now go to the last page and look starting 4/11/13 - 6/14/13. You will notice that all the charges appear over in the credit column. Do you know what the  "Work Study Earning Payments" listed are? That is how the school paid me to tutor students, yet it appears in the same column of "credit". All of those were paid to me. So the school paid me and themselves for my time? So how am I to not believe that I have $3,184.93 as a credit? This has nothing to do with the school closing out an account, because they didn't fail to have my charges listed on 4/8/13 in the debit column for the $1,000 for the one class and likewise for $750.00 Yet now 4/11/13 I am supposed to believe that those in the credit column are monies I owe? The money paid to me for tutoring is listed as me owing now? It doesn't surprise me that you have so many [redacted] students after looking at this sad excuse for a ledger. You might have the "other students" you are busy "helping" increase your bottom line fooled but not me, the difference between myself and those other students is I know my rights, the FDCPA, and FCRA laws - they do not. I have just proven to you the reasonable cause I have to believe there is a serious error here. The FCRA sect. 623(a)(1)(A)(B)(i) states as follows that (A)    Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B)    Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if(i) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate.

As notated in the screen shot, we provided the bureaus with the close date.  We have followed our obligation and there is nothing more that can be done.

Ms. [redacted] has spoken with the owner of our company and addressed her concerns.  We are in the process of getting the information requested and will provide it as soon as we have a copy of the charges.

Ms. [redacted] is false in stating that we "refuse to contact the credit bureaus and request that the outstanding collections bill be removed".  We did this back on 8.5.2016.  Attached is screen shot 1 which shows the current reporting status of the account which is R.  That R was updated...

on 8.5.2016 which is shown as well.  Screen shot 2 shows what the R means.  An account updates to R after being reported as a D which is also explained.  As we attempted to explain to Ms. [redacted] on the 19th when she spoke very negatively about our organization, she needs to file a consumer dispute with the credit bureaus.  They will seek to confirm the account and we will confirm that we asked that it be removed back in August 2016 and that it needs to be removed.

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 62.  Per the Metro 2 Credit Reporting format, we are using code 62 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 11.22.2013.  We have done what we are obligated to do.  It appears Ms. [redacted] has an issue with the CBR's, not Meade & Associates, Inc.

We ask Mr. [redacted] to review Ohio Revised Code Section 3103(A) which provides that a married person has the duty to support his or her spouse.  If Mr. [redacted] reviews Cuyahoga City Hospital v. Price (1989), 64 Ohio App 3d 410, 581 N.E. 1125 for the proposition that a spouse is liable for the cost of...

medical care furnished to the other spouse. In review, Mr. [redacted] was correctly informed that if he was married at the time of service, he is liable for the medical care furnished to his wife.  We update the credit reports the first week of each month and will notify the bureau's then that the balance has been satisfied.  We have fully addressed this complaint and will consider the complaint closed.

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

Mr [redacted] stated nothing of the sort in the ORIGINAL complaint about SPEAKING to your office on 1.19 and 1.24. 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 letters. The 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 10.23.13. I would love to see some TRACEABLE evidence of your agency that said letter was mailed. My letter to your agency originally was sent within 30 days after discovery of what the debt was. I never received anything from your company therefore my only notification was my credit report. Not 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 think. If I sent you a bill for $3000 dollars would and said pay me or it goes on your credit, would you not want to know what service or product the 3000 was for before paying?

I never received any mail regarding this debt neither I received any phone call from the company. Please 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]

that does not explain why you would be requesting my social security number and income without my express consent.  You tried to obtain my private info thru deceptive means.  Fortunately the office manager knows the law and refused to answer.  I want you to cease this practice.  When I called your office, you refused to tell me what you wanted unless I gave you personal info.  I don't even know who your client is or what the matter is about.  If you persist I will contact the Ohio AG and see if what you are doing is legal.  I want to know who you represent and what this matter is about