Diversified Creditors Service

Complaint: [redacted] I am rejecting this response because: I never received any communication until the letter in It is not my fault that they had my address wrongFor me to feel this is resolved, I would like communication that I do not owe anything for this historical bill and that the case is closed without anything begin sent to a credit agency.Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: When I called and spoke to [redacted] who now owns all of the old [redacted] they say they do not have any records of me owing any moneyIf I receive an invoice directly from [redacted] ***, then I am more than happy to pay the invoiceI do not feel it is ethical for this company to ask me to pay them when the company they are collecting the debt for does not have a record of the debt.Sincerely, [redacted]

I contacted the DCS Financial regarding my account 10/25/to try to settle the final payment for itFrom the statement that they sent last time that is dated 10/21/the Principle balance is $I asked the DCS agent (Tammy) that if I pay the principle in full I no longer needed to pay the interest and my account will be paid in fullAgent told me know I am still will be responsible for the payment of interest $on the accountI asked her why since the percentage on the account 12%/year and they cannot charge percentage on the account ahead of timeShe wasn't able to explain it properly or at allI asked to speak to manager or supervisorI had been transfer to person name NateHe gave me exact same question that in order for me to pay off my account I will need to pay principle that is right now on the account $plus interest $- that none of them can explain why since I am paying off accountI attached the last statement for the DCS Financial that they

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory , to meI still feel that I was not informed in writing of my full rightsI think it is a horrible practice to charge 12% interest on anyone in bankruptcyI cannot go any further with this though because I can not afford legal representation and have no idea if it is legal to charge that high a percentage rate on a medical bill when someone is in bankruptcy. Sincerely, *** ***

Please see our attached response
Thank you,
Amy S***
November 1, 2016Revdex.comPo Box 1000Dupont, Wa 98327Re; complaint case #*** for *** ***To Whom It May Concern, We received a copy of the complaint filed with the Revdex.com by
*** *** The letter that Mr*** provided shows that our office charges 12.00% APRThe interest that shows on the letter is the accumulated interest since the account was assigned to our office on September 28, 2015. The accumulated interest is due and owing along with the principle amount of the account.Sincerely,Amy S*Collection ManagerThis is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose

We were in Chapter bankruptcy, this debt occurred after bankruptcyWe were told we did not have to pay this debt while in bankruptcyWhat we were not told was that it would accrue over $in interest while we were not paying on itWe were not offered any suggestions or told to pay to avoid this interestWe were also not sent on a regular basis while in bankruptcy account balance with accrued interest amountsWe have paid off our bankruptcy in full and will have this account paid off at the end of the weekWe would have had this account paid off if we had not been charged a horrible interest amount that we had no clue about until we started paying it offWhat I heard in the phone conversation was that we did not have to pay any amount since we were in bankruptcy, no mention of the huge amount of interest that would be tacked on to our amount owedThis was a medical billI was paying on it AS SOON as we paid off our bankruptcy

To Whom it May Concern, We received a copy of the complaint filed with the Revdex.com by *** ***When our office received this account a notice of default was mailed to Ms*** August 6, that indicated a 12% APRThis notice did not come back to our
office. On June 10, Ms*** spouse called in and informed us of the open bankruptcyWe advised him that we would look into the bankruptcy and he could call back that Friday to follow up. Ms*** called on June 23, and was informed that this account was not included in her bankruptcy and that the balance was $and that she could make payments towards the balanceMs*** said that she would pay in full and that she would make a payment that Friday and then in JulyShe asked for a payment coupon and was advised due to the open bankruptcy we cannot mail anythingShe said ok and took our mailing address. July 21, Ms*** said that she was going to pay the balance and wanted to know why she was charged interest when she was in a bankruptcyThe collector advised Ms*** that the account was incurred after the date her bankruptcy was filed and if she chose not to make payments the balance it would not stop the interest. Ms***’ spouse came to the office on July 22, and paid in the account in full. Ms*** was never advised by anyone in our office not to pay on this while she was in bankruptcyThe interest will not be refunded as it was due and owing at the time of payment in fullThe account will be reported to Equifax as being paid in full the first week of August 2016.Sincerely,Amy S*Collection Manager

Please see our attached response.Amy S[redacted]Collection Manager
 
Re; complaint case #[redacted] for [redacted]
 
To Whom it May Concern,
 
    We received a copy of the complaint filed with the Revdex.com by [redacted]. When our office received...

this account back on September 8, 2011 we sent out a first notice the same day to the address provided by the original creditor. This notice came back mail returned. Our office then tried to reach Ms. [redacted] on the phone number provided several times over the years. Through skip-tracing means we were able to locate a new address for Ms. [redacted]. Another notice was mailed out to her which did not come back to us as mail returned.
 
    Ms. [redacted] called into our office on July 2, 2015 and was advised of the account, date of service and balance. She asked when our office received it because she had contacted the Lab and they did not have any records prior to 2012. We advised her that the account was turned over to our office on September 8, 2011 and that the initial notice had been returned in the mail. We told Ms. [redacted] that she had 30 days to dispute the validity of the debt or any portion of the debt or our office would assume the debt is valid. Ms. [redacted] was also told that if she did notify our office in writing that she is disputing the debt we would initiate an investigation and obtain verification of the debt and mail her a copy. She then stated that she would send something to our office in writing.
 
    On July 8, 2015 our office received the letter of dispute from Ms. [redacted] stating that she did not believe this was a valid debt due to her not receiving a bill until five years after the date of service and when she called the billing services department of [redacted] they have no record of this service being provided to her. She had requested in the letter that we provide her with verification of the debt.
 
    Prior to 2012 [redacted] outsourced their laboratory billing to [redacted] which is located in Spokane, Washington. The unpaid accounts were then transferred to DCS Financial for collection. Our client services representative got in touch with the client and sent out a response to Ms. [redacted] on July 24, 2015. The response stated that the Lab had no record of any contact with her and there were numerous attempts from DCS Financial to contact her since our office received the account in 2011. Our office also sent Ms. [redacted] the itemized statement of the account showing that this is not a fraudulent claim.
 
    This account has not been reported to Ms. [redacted]’s credit bureau.
   
Sincerely,
Amy S[redacted]
Collection Manager

Complaint: [redacted]I am rejecting this response because: I never received any communication until the letter in 2015. It is not my fault that they had my address wrong. For me to feel this is resolved, I would like communication that I do not owe anything for this historical bill and that the case is closed without anything begin sent to a credit agency.Sincerely,[redacted]

This is our third and final response.  As noted previously, we have provided Ms. [redacted] with verification of the debt as she requested.  The debt is still outstanding and we intend to continue our efforts to collect it.  As stated previously, we have not reported this account to the credit bureaus.

Complaint: [redacted]I am rejecting this response because: When I called and spoke to [redacted] who now owns all of the old [redacted] they say they do not have any records of me owing any money. If I receive an invoice directly from [redacted], then I am more than happy to pay the invoice. I do not feel it is ethical for this company to ask me to pay them when the company they are collecting the debt for does not have a record of the debt.Sincerely,[redacted]