Downtown Automotive

Revdex.com: I have reviewed the response made by the business, and find that this resolution is satisfactory to me I will call PCF tomorrow to pay the amount, $and to close the accountThank you for your time, I cannot say enough how much I appreciate itEnjoy the evening, and the weekend Regards, [redacted] ***

Professional Finance Company, Inc(“PFC”) appreciates the continued opportunity to discuss Ms [redacted] ’s complaint PFC understands Ms [redacted] ’s frustration, but does feel that the facts and evidence provided by PFC explains what occurred in collecting Ms [redacted] ’s account Specifically, PFC previously attached the recording of the phone call and voice message left for Ms [redacted] on 8/26/ PFC has again attached this recording below To close, PFC reiterates that it gains nothing by having to use the courts to enforce a judgment that a consumer was voluntarily paying Instead, such enforcement only increase the odds that PFC will lose both time and money When Ms [redacted] ’s payment was declined on 8/26/2016, PFC telephoned her twice and waited days for Ms [redacted] to reach out to PFC When she did not, PFC requested a valid and legal garnishment through the courts to ensure that its client would be made whole While PFC disagrees with Ms [redacted] ’s version of these events, PFC is grateful for the feedback and for the opportunity to respond

Professional Finance Company, Inc(“PFC”) appreciates the opportunity to respond to Ms [redacted] ’s complaint First, PFC apologizes that Ms [redacted] had to wait for an available representative to take her call upon answering the phone This was not PFC’s intention PFC also understands Ms [redacted] ’s frustration regarding PFC’s need to verify her personal information While it may seem odd, the basis for questions to verify identity is to protect a consumer’s personal and private information By law, PFC is required to only disclose the reason for calling after verifying it has reached the correct person PFC attempts to make this as easy as possible by providing certain portions of information, such as citing a street name and request that the consumer complete the house number and city of their address or previous addresses This is done to show that PFC has already obtained certain information and is simply trying to verify that it is correct Again, PFC understands this is frustrating, as it is frustrating for PFC as well, but these steps are required to ensure private information is only discussed with the correct party If Ms [redacted] is willing to call PFC and provide information on a possible previous address on [redacted] ***., PFC would be happy to disclose the purpose of its call We look forward to assisting Ms [redacted] in resolving this matter

[redacted] **Professional Finance Company, Inc("PFC") appreciates the opportunity to respond to Ms [redacted] 's complaint Ms [redacted] previously submitted a similar complaint through the Revdex.com in August and has been in contact with PFC in the interim Prior to PFC's receipt of this complaint, PFC spoke to Ms [redacted] and agreed to refund a portion of Ms [redacted] 's previous payment Ms [redacted] agreed to this arrangement A document memorializing this arrangement has already been sent to Ms [redacted] PFC is happy to answer any follow up questions and is glad that this complaint was able to be resolved

Professional Finance Company, Inc(“PFC”) appreciates the opportunity to resolve Mrs [redacted] ’s complaint PFC has performed a thorough search of its records and has confirmed that it has no accounts listed under the name “ [redacted] .” PFC may have located an account under an alternate name, but will need to confirm that this account does belong to Mrs [redacted] prior to discussing any specifics If Mrs [redacted] can confirm any previous names she may have used, along with either an SSN, date of birth, or former address, PFC will be able to provide the information requested We look forward to your response and helping you resolve this matter

Thank you for the opportunity to respond to Ms [redacted] complaint Professional Finance Company, Inc(“PFC”) did receive a letter of dispute by fax from Ms [redacted] on 3/13/ Upon receipt of that correspondence, PFC requested an itemized statement of the debt from [redacted] In the meantime, PFC mailed Ms [redacted] a letter on 3/16/confirming receipt of her dispute and stating that an itemized statement would be following under a separate mailing On 3/30/2015, PFC received mail return on the letter mailed to Ms [redacted] (attached) PFC then received the itemized statement from [redacted] on 4/10/2015, but was unable to send this to Ms [redacted] as the address in PFC’s records had mail return PFC has enclosed the itemized statement from [redacted] in response to this complaint and is happy to further address any concerns of Ms [redacted]

Professional Finance Company, Inc(“PFC”) appreciates the continued opportunity to resolve Ms [redacted] ’s complaint and understands her frustration in the collection process PFC is required to conduct collections pursuant to Federal and State law The Fair Debt Collection Practices Act requires that a collection agency send an initial notice of the debt and not take any action that overshadows the consumer’s 30-day window to dispute the debt PFC waits at least days from the date the initial notice is sent prior to credit reporting any account However, according to Federal case law, a collection agency may begin credit reporting an account without any notice to the consumer PFC believes all consumers should be provided an opportunity to pay the debt prior to it impacting their credit, and thus, its standards surpass those required by law Additionally, the law limits the number and manner of contacts that a collection agency may initiate to a consumer These rules and regulations make it difficult to balance PFC’s duty to its creditor clients while ensuring that consumers are not harassed by a barrage of communications PFC also has a very consumer friendly policy towards deleting a collection account for credit reporting after a consumer has paid the account, as PFC understands the importance of a consumer’s credit report PFC received no response to its initial notice, then began credit reporting the account and attempting to reach Ms [redacted] PFC still received no response from Ms [redacted] for months However, upon payment, PFC deleted credit reporting of the account for the benefit of Ms [redacted] PFC believes Ms [redacted] ’s account was handled ethically, professionally, and by the letter of the law, while still preserving [redacted] Imaging’s right to withheld funds

Thank you for the opportunity to address Mr [redacted] complaint Professional Finance Company, Inc(“PFC”) strictly adheres to the requirements of the Fair Debt Collection Practices Act (“FDCPA”) In USC § 1692g(a)(4), the FDCPA states that “if the consumer notifies the debt collector IN WRITING that the debt, or any portion thereof, is disputed, the collector will obtain verification of the debt ” (emphasis added) During a telephone communication with Mr [redacted] on 8/25/2015, PFC’s representative appropriately relayed that it is PFC policy to require a consumer to provide a written request to receive verification of the debt PFC also appropriately marked Mr [redacted] account as “disputed” immediately following this telephone call PFC will treat Mr [redacted] Revdex.com complaint as a written request for verification of the debt and has attached such verification to this response PFC notes that according to the FDCPA and various courts’ interpretations of verification, "[v]erification of a debt involves nothing more than the debt collector confirming in writing that the amount being demanded is what the creditor is claiming is owed; the debt collector is not required to keep detailed files of the alleged debt." Chaudhry vGallerizzo, F.3d (4th Cir1999) As such, PFC does not have a signed agreement as requested by Mr [redacted] as it is not required to verify the debt Original creditors, such as [redacted] , often do not have signed consents from the patient directly, as their services are provided as part of a hospital or other facility visit PFC looks forward to aiding Mr [redacted] in resolving this dispute and is happy to answer any further questions regarding this matter

Complaint: ***
I am rejecting this response because:If the writ of garnishment was sent on 12/21, then why were we asked to pay the writ of garnishment fee and associated legal fees on 11/28?We would like those fees paid refunded as they were billed prior to any action and we attempted good faith payments prior to 12/
Regards,
*** ***

Professional Finance Company, Inc(“PFC”) appreciates the opportunity to respond to Ms***’s complaint. First, PFC must apologize to Ms*** for the referenced phone call. The call was not conducted according to PFC’s training or standards. This was a call with a new
employee and the employee has been referred for disciplinary action. In accordance with federal law and to protect the private health information of consumers, PFC does require consumers to request further information on their accounts in writing. Unfortunately, PFC’s employee did not interpret account notes for Ms*** correctly. PFC did receive a valid request for an itemized statement from Ms***, it had just not yet received the responsive documents from the original creditor when Ms*** later called in. So, Ms*** did not need to send in an additional request and, again, PFC apologizes for that. PFC has obtained the documentation from the original creditor and has attached it to this response. Further, PFC has agreed to delete any credit reporting of the account upon its payment in full. PFC looks forward to assisting Ms*** in resolving this matter and is happy to answer any further questions she may have

Thank you for the opportunity to respond to Mr*** complaint Professional Finance Company, Inc(“PFC”) does have two accounts for Mr*** that were placed for collection by *** *** *** The dates of service for which the accounts relate are 8/8/and 10/3/
As verification and proof of the debt, PFC has attached itemized statements and signed consents bearing Mr*** signature from the dates in question The signatures on the consents appear to match the signature contained in Mr*** disputes that were submitted through the credit reporting agencies (also attached) Finally, PFC has attached evidence of its credit reporting from ***, ***, and *** The reports show that PFC has not engaged in any “re-aging” of the accounts, as the date of delinquency of the accounts is accurately listed as 8/8/and 10/30/2010, respectively PFC is happy to answer any further questions and review any evidence that Mr*** may have that shows he was not provided services by *** *** *** on the dates in question

Professional Finance Company, Inc(“PFC”) appreciates the opportunity to respond to Mr***’s complaint. PFC was assigned an account for collection from Mr*** on behalf of *** ** *** *** (“**”) on 3/30/2016. On 3/31/2016, PFC mailed Mr*** initial notice
of the debt as required by the Fair Debt Collection Practices Act. Mr*** telephoned PFC on 4/5/and disputed the debt, stating that there was a billing error by **. However, Mr*** did confirm that his insurance had initially paid the debt, that he was sent a refund for an overpayment, and that his insurance had later reversed the payment. PFC appropriately marked Mr***’s account as disputed. PFC received no further communication, either by telephone or written correspondence, from Mr*** until recently.On 12/13/2016, one of PFC’s attorneys mailed Mr*** a letter stating PFC’s intention to proceed with legal action to collect the account, yet offering Mr*** another opportunity to exercise his rights under the Fair Debt Collection Practices Act to dispute the debt in writing. In response, Mr*** telephoned PFC on 12/15/2016. During this communication, Mr*** stated that he had paid the account, insurance had paid the remaining balance, and that he would mail proof of payment. PFC stated that it would communicate with ** to confirm this information. Mr*** then requested that PFC cease communications with him and ended the call.Mr*** again telephoned PFC on 12/16/and agreed to lift his prior cease communication request During this communication, Mr*** stated that he had mailed in proof of payment and a request for information and that he would be following up with PFC the next weekOn 12/19/2016, PFC spoke with **. ** stated that the balance of Mr***’s account was still owed, explaining that insurance had initially paid, but then had requested a refund and left the remaining balance towards Mr***’s deductibleMr*** again called PFC on 12/21/2016. Mr*** again stated his dispute and was informed by PFC’s representative that ** had confirmed the balance was owed as patient deductible. Mr*** then stated that this was a billing or coding error and requested all of the times he had previously called PFC’s office. He was then transferred to one of PFC’s supervisor’s voicemails.PFC has yet to receive anything in writing from Mr***, but has provided the ** account information as requested attached to this response. This response should also fulfill Mr***’s request for an accounting of each time he has spoken with PFCAccording to **, Mr***’s insurance originally paid and then took some money back due to a specific procedure which is not included in the standard of the general procedure performed, but rather considered a procedure for which the patient must payThe preventative part is covered by insurance, the additional procedure is not covered. ** has stated this was explained to Mr*** prior to the procedure being performedThus, it is PFC’s position, supported by **, that the account is owed. Of course, if PFC receives any written information from Mr***, it will review with ** and respond accordingly. PFC would be happy to address any further questions from Mr*** through the Revdex.com’s complaint portal

Professional Finance Company, Inc(“PFC”) appreciates the opportunity to address this complaint. Throughout the last few months, PFC has responded to several CFPB complaints from Mr*** regarding his very issue. PFC believes it has fully and accurately responded to this complaint
regarding the accuracy of the credit reporting information submitted and has attached the CFPB complaint responses as a reference. However, PFC has made a business decision to delete credit reporting of Mr***’ *** *** *** *** accounts. PFC has submitted deletion of these accounts, but must state that the credit reporting agencies will take additional time to process this request, which is out of PFC’s control. While both *** *** and PFC believe that Mr*** is the correct responsible party for the accounts, we understand that Mr*** disagrees. However, PFC is unable to close the collection account and *** *** still considers Mr*** responsible for payment of the accounts. We hope that this will resolve Mr***' complaint and PFC is happy to address any further questions or concerns regarding this issue

Revdex.com:
I have reviewed the response made by the business, and find that this resolution is satisfactory to meThey finally explained the debt, which they were unwilling to do beforeThey asked for an old address on an AveI have lived in more than one home there, so I had to look up the other addresses before they would let me know what the issue wasIt was a medical debt that my ex husband is reliable forI have let him know of its existenceI hope this takes care of this issue.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business, and find that their statement is highly inaccurate!However, I have been able to establish payment arrangements with PFC and will recoup my payments once the insurance company and *** *** fight it out
Regards,
*** ***

Complaint:
I am rejecting this response because:1) The debt collector indicates that verification of the adjudged debt requires "the debt collector confirming in writing that the amount being demanded is what the creditor is claiming is owed." No such written confirmation has been provided. 2) The debt collector's reference to case law is incomplete and out of context. The debt collector must validate the alleged debt, including their right to collect said alleged debt, in writing, which they have not done.3) I have instructed the debt collector to stop contacting me until the debt validation I requested is complete
Regards,
*** ***

Professional Finance Company, Inc(“PFC”) appreciates the continued opportunity to attempt to resolve this complaint. Due to the Health Insurance Portability and Accountability Act (HIPAA), PFC is not permitted to obtain further documentation on the circumstances surrounding the treatment of Mr*** from which the subject debt arose. However, PFC has been informed by *** ** *** *** that the physician services reflected on the itemized statement previously provided were performed at *** *** *** by a physician who operates/bills from *** *** *** (Dr***). Hopefully, this information is helpful in refreshing Mr***’s recollection as to the services he was provided. PFC would also like to clear up some confusion regarding the bank garnishment at issue in this complaint. PFC obtained a judgment, delayed execution on the judgment while Mr*** was adhering to his payment arrangement, and began judgment execution when that payment arrangement was broken. PFC did attempt to reach Mr*** on 11/30/at 10:AM to the cell phone number Mr*** provided prior to executing on the judgment, but was unable to reach him. PFC did not direct the bank to attach the garnishment to a specific account. PFC simply serves the garnishment upon the bank, and the bank determines which accounts belong to the judgment debtor. In this case, it appears the bank determined that Mr*** has an account, which he appears to share with Ms*** (see attached Answer from the bank). PFC had nothing to do with this decision or the bank’s decision to charge a fee for $on this account. Such charges are pursuant to a contract between the bank and the account holders. Mr*** and Ms*** must address this charge with their bank. Additionally, after judgment was entered, zero interest accrued to Mr***’s accountPFC has never received anything in writing from Mr*** and has never received any insurance documentation or written confirmation of identity theft. Nevertheless, PFC hopes the information provided by *** ** *** *** clears up any confusion regarding where the services were provided to Mr***. PFC’s records reflect that no calls were received on Mr***’s account between 11/17/when the payment was due and 12/2/2015, when Mr*** attempted to make a partial payment. PFC must dispute that Ms*** was treated unprofessionally or lied to. It is true that Ms***’s request to speak to PFC’s CEO was denied, as he was not in the office. Had PFC’s CEO been in the office, Ms*** would not have been transferred to speak to him as PFC’s CEO has no knowledge of the specifics of the account in question. The rules and regulations of the collection industry are so vast that PFC must entrust only its trained collectors and supervisors to handle all consumer communications. There are zero laws requiring any company to transfer consumers to owners or CEOs of that companyIt is also true that Ms***’s request to be provided copies of PFC’s internal company policies was denied. PFC’s written company policies are proprietary, confidential, and for its own useThere are zero laws requiring PFC to provide such internal documents to a consumer or other third party upon request. PFC is happy to accept payment of the debt of $and file a release of the bank garnishment upon receipt of payment. PFC is also happy to remove any credit reporting of the account that it has submitted. PFC does not credit report judgments, as those may be picked up independently by the credit bureaus. Additionally, upon payment of the debt, PFC will file a Satisfaction of Judgment with the *** County Court. If this suffices, Derrik G***, PFC’s Director of Collection, will personally handle this matter. Mr*** may call Derrik at ***

Complaint: ***
I am rejecting this response because:Per my conversation with PFC representative I had until the end of the month to pay the charges before additional fees were supposed to be addedJust because I wasn't able to make a payment on the 17th doesn't mean they should have lied to meI was given the last date before the fees should have been added and I met that dateI feel like I was mistreated by PFC in that matter and do not appreciate it. I was doing my best to work with *** *** to prove that their charges were invalid however the billing representative there is very difficult to work with and cares more about being right than looking into this caseI got charged a $copay for one service twiceThe services provided in the ER were paid to the hospitalAs to the *** claim, I called and verified the status of it on 8/30/I was not supposed to be charged that co-pay twice and *** is still in the process of resolving this case with *** ***I appreciate the willingness of PFC to provide a full refund promptly upon completion of the process. Regards,
*** ***

Thank you for the continued opportunity to respond to Ms***'s complaint Professional Finance Company, Inc("PFC") included the itemized statement from *** *** in its original response to Ms***'s complaint, along with a copy of the return mail it received PFC has again attached these documents to this response and appreciates the Revdex.com's forwarding of this information to Ms*** Additionally, PFC has sent Ms*** the itemized statement from *** *** by mail to the address listed in the Revdex.com Complaint (*** *** *** *** *** *** *** ** ***) PFC has marked Ms***'s account as disputed and put a cease communication order on her file *** *** has confirmed that the debt is still owing, but PFC hopes that it can help Ms*** to resolve her dispute and would be happy to investigate any further information she may have that may show she does not owe the debt

Revdex.com:
I have reviewed the response made by the business, and find that this resolution is satisfactory to meI will contact PFC this Friday 9/29/to make the payment I would appreciate PFC contacting the credit bureaus as soon as possible once this payment has been made.Thank you
Regards,
*** ***