Designed Receivable Solutions Inc

Revdex.com:
I have reviewed the response 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.
[This company states that I have only requested my information once on September 6, 2017. This is false because my first letter was August 18th to Equifax, where Designed Receivable Solution responded that this account was verified. The law states that I have a right to see the contract and information that binds me to this account. I have asked validation numerous times. To state that I am making demands is an overstatement. I simply asked for proof and they have failed to each of the attempts that I have made. I feel at liberty to complain about this company because they have not responded to me. Instead, they continue to add interest to an account that they will not even provide proof belongs to me. In saying so, for them to have proof, is a violation of HIPPA because a medical record would have had to be shared. As a legitimate company, I hope they take HIPPA serious. By law, I have a right to ask for this. In the meantime, my credit report is being harmed by the interest on this alleged debt since 2012 that has almost DOUBLED in cost due interest by this company. This seems like a violation in itself.With in this message, I have included the two messages I sent to Equifax, which Designed Receivable Solution has responded to. My fax receipts, as well as the response Designed made to me on consumer financial. To say that I only been request validation for five days is false and this company needs to be made away of the lie they just told. They also need to stop saying I am making demands. All I said was provide me an original contract that binds me to this debt and if not, please remove it. You can read that from my letters. Thank you]
Regards,
[redacted]

DESIGNED RECEIVABLE [redacted]

Subject [redacted] failed to provide any details as to the nature of his dissatisfaction with our response to his initial complaint, therefore we are unable to provide any further substantive response.

Revdex.com:
I have reviewed the response 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.
[To Whom It May Concern,Since you have responded to my complaint for debt validation, I am requesting that you submit to me full records to validate the alleged debt within 30 days.Additionally, I am allowed under the HIPAA law (Health Insurance Portability and Accountability Act of 1996), to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient’s authorization, therefore my request is twofold and as follows;Validation of Debt and HIPPA Authorization- Please provide a breakdown of fees including any collection costs and medical charges- Provide a copy of my signature with the provider of service to release my medical information to you- Cease any credit bureau reporting until debt has been validated by mePlease send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA.Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureau’s expected or damages will be sought after.With Regards, [redacted]9/28/2017

What the complainant fails to point out in his many complaints is that he didn't have MediCal at the time of service. Our client set him up with a case worker to get set up for Medi-Cal, however the complainant failed to follow through and complete the process, such that our client could bill Medi-Cal, therefore complainant was ineligible for Medi-Cal at time of service and has not produced retroactive Medi-Cal since. He was reinstated by his wife for Medi-Cal in September of 2010, but that does not cover him for July 2010, when he was treated. Our client did nothing wrong in the handling of this account, in fact they went out of their way to assist him in getting Medi-Cal, which he failed to see through to being accomplished. We have done nothing wrong in the handling of this case; complainant has an unpaid health services bill that remains unpaid, that was lawfully placed in our office for purpose of collection. He has not paid the account, nor has any other person or entity, therefore he continues to owe the balance due.

Revdex.com:
I have reviewed the response 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 reject this information from the company.  I never agreed to pay this debt, because this company did not provide proper validation to me, and I have never had a contract with this company.  Validation includes providing me a copy of the original charges and the services provided.  This company instead sent me a screen shot of their system with my name and an amount that is different than what they are reporting.  This does not constitute proper validation.  I have never agreed to pay this debt, and I repeat, I do not have a contract, nor have I ever had a contract with Designed Receivables.
Regards,
[redacted]

We do not understand what it is the complainant is arguing about. He has 3 open accounts in our office; one for himself, one for minor child [redacted] and one for minor child Ashley. Since complainant refused to correspond with our office in any way but rather just files complaints, there is little that we can do to accommodate him. If complainant wants copies of the itemized statements for services rendered, he need only inform us of that by writing to us at DRSI, 1 Centerpointe Drive #450, La Palma CA 90623, or calling us toll free at (800)518-7650. If complainant is serious about wanting to resolve this, then rather than file complaints, he should contact the source and let us know what it is he is disputing about his 3 accounts.

First off, the service dates in question were 6/14/11 and 6/16 - 6/17/11, not 2013 as stated by the complainant. Also, it has been made clear to the complainant that at the time services were rendered, the hospital name was [redacted]. We have asked the complainant to provide us with...

various documents so that we can research his claim of ID theft. Everything he has sent us matches the intake records that were gathered at the time services were rendered. Therefore, we have been asking complainant to provide us with a copy of the identity theft police report that he filed when his wallet was stolen in 2011, however he has failed to provide this to us. He did request that we mail him copies of the itemized charges, which we did once in 2013 and again on April 15, 2015, however the copies we mailed in April were returned to us by the [redacted] as undeliverable. They had been sent to the complainant at: [redacted]  [redacted]. We would be happy to mail the documents again if the complainant will provide us with a proper mailing address. He can contact us toll free at 800-518-7650, or he can mail his request to DRSI, 1 Centerpointe Drive $450, La Palma, CA 90623. We will also appreciate receiving a copy of the police report from complainant so that we can further investigate and hopefully conclude this matter.

We have already explained to the complainant in a separate complaint that she filed against our agency that we have no open accounts under her name or the last 4 of the SSN she's providing ([redacted]). We would need to see what it is that she's looking at to figure out if we are reporting a different...

person that is ending up in complainants file, or what is going on, because we ARE NOT credit reporting anything for the name and last 4 SSN from the complainant.

This complaint is something of an insult. This complainant has filed complaints with other entities, and we've responded to every one. He also complained to our client, the hospital, and they too have responded. We have provided the complainant with all documentation related to his unpaid healthcare...

account. His aunt was assisting him in trying to get a state program to accept billing for this retroactively (5 years after the services were rendered), however as we suspected, she has failed in her efforts. The complainant owes the amount due, we have acted nothing less than professional and in full legal compliance, and we nor our client are going to forgive the debt just because the complainant has filed numerous and FALSE complaints in his endeavors to avoid payment for the services that were provided to him. This complaint is untrue, just as the others he has filed, that were done AFTER we responded to his every request for providing him documentation of the account.

Although complainants story is not completely accurate, the truth is that the credit bureaus themselves do not allow credit deletions of accurately reported accounts. We often make exceptions though, and if complainant had simply called and asked us rather than filing a complaint we'd have deleted...

the account. As a courtesy, we have now instructed the credit bureaus to delete the item.

We have had the complainant's account in office since April 2013. In August 2013 she promised to pay the account in full on a recorded line. Her promise was false. In 2014 she claimed her insurance should pay. Her insurance did not pay. In July 2016, complainant demanded a copy of her charges, which...

we mailed her. In September 2016, complainant demanded full validation of her debt, which we mailed her on September 30, 2016. We didn't hear from complainant again until we received a letter in March 2017 informing us that she refused to pay this debt. We have done everything required of us to prove that complainant owes the debt. Complainant had promised to pay the debt, but reneged. We will not delete the debt, the complainant owes it and has not paid it.

Revdex.com:
I have reviewed the response 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.  Negligence on the part of [redacted]l, Thank you [redacted].
No one is above the law.  California law states in California Code of Regulations Section 50746, Title 22, the hospital, doctor and provider has a responsibility to bill Medi-Cal in a timely manner maximum time limit of 12 months, [redacted]l fail to bill medi-Cal, this collection needs to research facts instead of guessing isnt that what the client is paying you for, especially being the president of the collection agency.
Regards,
[redacted]

The complainant did promise to pay and we have the call recording. We asked her to give us her credit card or bank info over the phone but she refused, instead promising to put a check in the mail to us. We did send FULL validation, which consisted of a letter explaining every detail of her bill, and a copy of her itemized charges. If she wants her actual medical records, she will have to contact the hospital as we are not entitled to procure those documents. Complainant points out that she has no contract with our office and she is correct. We have a contract with the medical provider to collect their bad debt collection accounts, and by virtue thereof, the complainant owes our office.

There are several steps taken in mailing out 'paid in full' letters, taking a week to 10 days, and this should have been better explained to the complainant; I regret the miscue on our part. The letter has been mailed as of the 16th of February and should be received this week. I encourage the...

complainant to call our manager [redacted] at ([redacted] extension [redacted], if he requests any other information or has any other questions.

Revdex.com:
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]

Complainant has 4 accounts in our office. We received her letter in which she requested account details for two of her accounts. We mailed her full account records for those two accounts on August 11, 2016. We also followed complainants instruction to discontinue any further phone contact.

We are not bound to respond to the untruths and demands of the complainant. She has unpaid bad debt collection accounts in our office and our only goal has been to collect them. That she has chosen to file numerous complaints against us is her prerogative, however that does not change our responsibilities. I have this day generated a letter to complainant from our system that requests the full balance payment now due from her with a requested payment date of July 20, 2016. The letter will contain the account numbers of each of her accounts, including the 'master' number we've assigned to her bad debt collection accounts. We have never harassed the complainant nor violated any laws, rules or procedures in pursuit of payment of her accounts, nor do we have any idea what she is talking about with her complaints of 'spoofing'; we suspect she is confusing us with some other callers.

We have worked diligently with this consumer and have provided everything she requested. We never took money from her accounts that she did not authorize, nor will we. Once her accounts are paid in full, we will mail her a letter indicating so. We won't be calling her again, pursuant to her request....

The consumer enjoys filing complaints, as she has done so twice with the CFPB, so this likely is not the last Revdex.com will be hearing from her.

We will be more than happy to provide a full validation of debt to the complainant at the address he specified in his complaint. It should be mailed out within the next week.