Designed Receivable Solutions Inc

Review: According to Designed Receivable Solutions Inc I owe $54 from a medical hospital. I have made several attempts to either get this resolved and verified but the company refuses to initiate anything. #1 I need a debt validation #2 I need it in writing.Desired Settlement: I would like this debt verified via mail and or deleted from my credit profiles

Business

Response:

The subject account was placed with us on March 6 of 2013. We spoke to the complainant on March 14, 2013, at which time he told us that this that he had paid this account 3 months earlier. He hung up abruptly before we could ask for any details as to his alleged payment. We called and spoke to him on April 4, 2013, and he again stated that he had paid the account; we gave him our fax information and he promised to fax us his proof that he had paid this; we never received anything. We spoke to complainant again in May of 2013, at which time he agreed he owed this and promised to pay it. He stated that he was a "cash guy" and didn't have a credit card to pay over the phone, so he said he'd have his dad help him with that.

Throughout the next months we spoke to complainant, each time him telling us he couldn't pay this until he was paid the next Friday, etc. Then he began filing disputes with the credit bureaus to which this was reported as a collection account, stating that this account was not accurate, that it was not his. It's not surprising that he now wants a written validation of debt. We will request the documents from the hospital and then provide the validation.

Consumer

Response:

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 had an emergency hospital visit a while back and was unaware that there was a balance owing of $54, I was never notified of the debt originally from the hospital so at the time I thought everything was taken care of. I found out about the debt after checking my credit report which showed that I owed $55.64, which prompted me to mail a request asking the account to be verified which Designed Receivable Solutions refused, it took me several phone calls and a complaint to get them to even send me a debt validation. They cannot prove that they provided me any debt validation other than speaking with me several times on the phone. You would think that out of good faith a business would want to help someone in this type of situation, but each call was met with rudeness when I simply asked if I can obtain a pay for deletion letter and a debt validation. They refused each time which lead to the delay of the account being paid. As of today the account has been paid and I would like them to remove the collection account from my credit.

I would like a letter confirming that the debt has been paid in full and is being removed from all the reporting credit bureau's.

Regards,

Business

Response:

Mr. [redacted] filed his complaint in April, to which I responded. We sent him a validation of debt on April 22, including copies of the charges, to [redacted] W. [redacted] Blvd #9 in Inglewood, [redacted]. It was not returned to us by the USPS, so we can only assume he received it. He paid the account on June 16. We have informed the credit bureaus that the account is now paid in full, and they should now be reporting it as a paid collection account.

Mr. [redacted] called our office ONE TIME, on June 2, demanding that we send him a letter stating that we'd delete the account from his credit once he paid it. We refused to send him such a letter since we refuse to delete it. He is now lying by saying that he's called us multiple times and that we were rude. He called once, I reviewed the recorded call, our manager handled the call perfectly. We're through with Mr. [redacted].

Review: Inconsistent Information Given to me on the phone in response t my question about previous phone contact attempted.

Received a call from the agency in response to an outstanding balance of $34.45. During the first call I asked when they received the account. I was told they received it May 31, 2013. Based on how long ago they received the account, I asked about any previous attempts to contact me. I was told there was no records of previous attempts. Based on the info given to me I indicated to the person I was mailing payments to the account number given to me. I asked to have an opportunity to research the balance. I have an opportunity to research the balance and was told the account was sent to collection April 29, 2013. The account on file belongs to two separate accounts with the same hospital and I was making payments to one of the account. I was not aware there was two accounts. I called back and explained the confusion. Then I asked the person ([redacted]) why it took the agency from April/May 2013 to January 2014 to contact me in regards to the balance. This was the same person I spoke to initially. During this second conversation she tells me the agency had tried to contact me several times by phone by received an answering machine. I asked was messages left for me to call back. I was told no they have a direct dialer call and when no picks up it disconnect and no message are left. If someone picks up then the person is transferred to a live person. When I said I work a full time job how am I suppose to know they called me if no message was left I was told by the person I should check my caller ID to get the number and call back. I told her I didn't have a caller ID and if I did not for me to searching my caller ID for their number. I was not satisfied with the response and asked to speak with a supervisor. I was transferred to [redacted]. I tried to explained my complaint to [redacted] then tells me she has in the record they spoke with me June 28, 2013. I asked about the statements made to me by the first person. [redacted] tells me the Rep is new and she will address the issue with the Rep. During my three conversations I heard 1. no record of any attempts 2. attempts made but received answering machine and no messages then 3. They spoke to me one occasions. Same account number ([redacted]) but told different information about previous attempts to reach me by phone. They are clearly unable to report the correct information to me. I asked [redacted] who does her company report to and she stated she can't advise my on this and I should address this complaint. If you are a collection agency and had my account since May 2013 why is there inconsistent information regarding a simple question of previous contacts. I question if previous contacts were attempted by phone. They also claim they mailed letters to me but I never received any letters. In my opinion I think this account was overlooked and now they are backtracking to get payment. In addition this account was my 7 year old son as the patient and in his name. I question why they called my 7 year old son for collection of payment. When they called they asked to speak with my son and not me so I question if they spoke to me in June if they have my son's name on the account. [redacted] claims I said I would make payment in June but they didn't have my name on file to call me back and ask for me by name to address this account.Desired Settlement: Once payment is received I would like the notation as an overdue account be removed from the account.

Business

Response:

The client for this account, a healthcare provider, inadvertently assigned this account to us showing the patient name as the complainant, not as the minor child that was actually the patient. The complainant called our office and spoke to a representative that had just completed training. The new rep did not properly read the history of the account and gave the complainant misinformation about previous attempts that we'd made to collect this account from the complainant. Ultimately, the complainant spoke to our manager, [redacted], and [redacted] explained everything to complainant. The complainant informed [redacted] that regardless of [redacted]'s explanation, she would be filing complaints against us with Revdex.com and CFPB. Complainant understands the account now, as well as the balance due and the patient that was treated, she has apparently decided not to pay it since we have received no money, only complaints.

Consumer

Response:

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.

Payment has been sent by mail to this company to pay the off the $34.45 due on the account but the company is stating the payment has not been sent. The company during the phone conversation requested I give them my credit card information by phone for payment and I did decline and requested mailing information to send payment which I did. I willing to resend payment again with the same request I noted in an email to the President and on the last remit statement I sent in. I would like a certified letter from the company stating payment has been made in full and the balance is zero. I would also like the company to send all future statements or contact by mail by certified mail because the first correspondence I can recall I received from the company only after speaking to them by phone and after sending complaints to various agencies. With that one correspondence I received I mailed payment to the company. This complaint will not be satisfied until this account is settled.

In regards to the company's comment they failed to note I received 3 different responses for request for simple information in regards to previous contacts between me and them. If the information is there in the account there should not have anything to do with training. Either the information is there or not there. How am I as a consumer expected to address my concerns with speak with the company and they give my inconsistent information.

Second concern they claim they spoke to me in the past but called to speak with the minor child versus me when they called again. If they spoke to me before why wasn't it not noted in the file it is minor child's name listed but they spoke with the mother.

The company in their reply and email contact with me suggest I should not address these inconsistency nor should I be concerned about these inconsistency. Sorry to tell them it is my right as a consumer.

I am asking the company to resend a payment statement via certified letter. Once received I will resend payment to them.

Regards,

Business

Response:

As far as we are concerned, this account is concluded. Despite all of her complaints and issues that she finds wrong with our company, complainant has been made well aware of whom the original creditor is, what the balance is, and what our address is. We have not received any payment from her, and we have coded the account as 'refuses to pay'. We are not interested in sending any further letters or bearing any further expense with this $34 account. If she ever chooses to pay the account, she knows how and where to do so. We are not obligated to, nor interested in, sending any more mail.