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Downtown Automotive Reviews (106)

Revdex.com:
I have reviewed the response made by the business, and find that this resolution is satisfactory to me
Regards,
*** ***

We are in receipt of your email regarding the above-referenced complaint from *** ***, submitted October 24, 2016, and appreciate the opportunity to address this matter. On 1/13/2011, Professional Finance Company, Inc(“PFC”) was assigned
an account from its client, *** *** ** ***do, for collection from Ms***. The account stems from services performed by *** *** for a Brain Contrast MRI on or about 9/29/2010. On or around 1/13/2011, PFC mailed Ms*** initial notice of the debt as required by the Fair Debt Collection Practices Act. After numerous attempts over the course of several years to contact Ms*** regarding the account, one of PFC’s attorneys mailed Ms*** a notice on 8/5/stating PFC’s intention to initiate legal action to collect the account and giving Ms*** a second opportunity to exercise her rights under the Fair Debt Collection Practices Act. In response, on 8/10/2015, Ms*** telephoned PFC and stated that she needed to research the account as she had thought it was already paid. PFC did not hear back from Ms*** and proceeded with legal action to collect the account. After serving Ms*** with a summons and complaint, Ms*** appeared at court on 12/28/2015. During this appearance, the account was discussed, Ms*** was only able to provide proof of payment of a different account not the subject of the litigationPFC agreed to continue the appearance date twice to 2/29/2016, at her request, so that Ms*** could investigate her payment records Ultimately, Ms*** telephoned PFC on 2/26/and set up a payment arrangement for the account, as she was unable to find any record of payments made towards the account. During this communication, PFC’s representative informed Ms*** that it was PFC’s intent to request judgment on 2/29/if the account was not paid in full. PFC’s representative also relayed the importance of not defaulting on the payment arrangement. On 2/29/2016, PFC appeared in court, Ms*** did not, and PFC was granted judgment against Ms*** Ms***’s payment arrangement was set up with PFC for her account to be paid off in installments, ending on October 26, 2016. Ms*** was set up on recurring automatic payments, per her request, to be taken out of her account on the 26th of each month. PFC successfully received payments through 7/26/2016. On 8/26/2016, PFC attempted to run Ms***’s payment, but the payment was declined On 8/26/at 10:19AM, PFC telephoned Ms*** to inform her of the declined payment, was unable to reach her, and left a message. On 9/26/at 10:53AM, PFC again telephoned Ms*** regarding the declined payment, did not receive an answer, and received dead air after several rings PFC’s investigation into the declined payment reveals that the card number was invalid, which is generally a result of a consumer receiving a new card, given the success of the previous payments On 9/30/2016, as a result of the broken payment arrangement and the amount left owing by Ms***, PFC began to execute on the judgment by filing for a bank garnishment with the court, incurring additional court fees in the process. PFC served the garnishment upon *** Bank on 10/20/and has yet to receive an Answer on that garnishment from the bank. PFC has yet to be remitted any funds and is unaware of what funds, if any, *** Bank may be holding in response to the garnishment. The $fee referenced by Ms*** is likely the result of her agreement with *** Bank and their processing of garnishment documents PFC believes it has fully complied with all collection laws. Further, PFC attempted to notify Ms*** of the failed payment, waited a month before continuing with collection efforts, and still did not receive any communications from Ms***. PFC is happy to answer any further questions regarding this matter

Good morning, Professional Finance Company, Inc(“PFC”) appreciates the continued opportunity to address this complaint. Having addressed the remainder of these allegations in prior responses, PFC will focus on addressing the allegations of the complaint surrounding the $fee allegedly imposed by *** *** *** on Ms***’s and Mr***’s bank accountTo recap, PFC filed a writ of garnishment in the *** County Court case when it did not receive Mr***’s payment in a timely manner. The court issued this garnishment on December 14, 2015. The writ of garnishment, which has been attached to this response, details the amount of the debt, including any costs incurred in filing and serving the garnishment, minus the payments received by PFC for a total of $270.85. Additionally, the writ of garnishment includes the name, address, and last SSN of the judgment debtor, *** A***. The writ of garnishment requires a garnishee (in this case, *** Bank) to truthfully answer whether they hold any property of the debtor under penalty of perjury. As can be seen on the attached writ of garnishment, Ms***’s name or information does not appear anywhere on the form. PFC served the Court issued garnishment upon *** *** *** Bank, N.A. On 12/21/2015, *** *** *** Bank, N.Afiled their answer to the writ of garnishment. *** Bank answered that they were holding property of *** ** *** under an account number ending in ***. It also appears that *** *** is a holder of this account. PFC has attached this answer to this response. It was *** Bank’s sole decision of whether it held any property of *** *** and whether the account in question belonged to *** ***. PFC had no control over what account was deemed to connect to the writ of garnishment. PFC understands that Ms*** is stating that she was charged a fee of $75.00. This is not a fee that was charged by, or paid to, PFC. PFC has no knowledge of such a charge. PFC can only assume that this is a charge by *** Bank as a result of Ms*** and Mr***’s account agreement with *** Bank. As such, PFC is unable to issue a refund for this alleged $charge as it is neither the party initiating the charge or receiving such funds. Upon receipt of payment for the amount owed to PFC, PFC sent *** Bank a release of garnishment form stating that the debt had been paid. PFC hopes this explanation sheds light on what has occurred in regards to the garnishment in this matter and trusts that this will close the Revdex.com’s complaint process

Complaint: [redacted]
I am rejecting this response because:Not so much rejecting, but asking for more proof of contact.Since the mail was not certified, I cannot prove I did not receive something from them.  Only my word.  However, they say they contacted me via my correct phone number of [redacted] when their representative told me the call in late February to my cell was the first time they'd used that number after exhausting numerous other "bad" numbers (she listed at least 5 other numbers that did not belong to me).I would ask for proof of the dates they supposedly called me since September 2016 so that I might cross reference them with my cell phone bill.Please provide the number that would have been on the caller ID.Thank you.
Regards,
[redacted]

Professional Finance Company, Inc. (“PFC”) appreciates the continued opportunity to respond to Mr. [redacted]’s complaint.  PFC is bound by the Fair Debt Collection Practices Act (“FDCPA”), a federal law that regulates the collection of debts.  The FDCPA states that PFC, once it is made aware of attorney involvement, may not communicate with Mr. [redacted] regarding the debt “unless the attorney consents to direct communication with the consumer.”  Federal courts have stated that a consumer stating that they are no longer represented by an attorney does not satisfy the FDCPA, and that the attorney needs to confirm that the consumer is no longer being represented.  PFC would be happy to communicate with Mr. [redacted] upon receiving this authorization directly from Mr. [redacted]’s previously disclosed attorney.

Professional Finance Company, Inc. (“PFC”) appreciates Ms. [redacted]’s willingness to resolve this matter.  PFC has attached a pay-off letter to this response for Ms. [redacted]’s records.  Ms. [redacted] can pay through PFC’s website at www.paypfc.com using account number [redacted] or she is welcome to mail a check to PFC at P.O. Box 1686, Greeley, CO 80632 and reference her account number above.  As always, Ms. [redacted] is welcome to telephone PFC at [redacted] and a Supervisor can assist her.  Again, we appreciate the opportunity to resolve this matter and apologize for any inconvenience to Ms. [redacted].

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 15 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 v. Gallerizzo, 174 F.3d 394 (4th Cir. 1999).  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.

Good morning, Professional Finance Company, Inc. ("PFC") appreciates the continued opportunity to resolve this dispute.  On 1/12/2016, PFC received a call from [redacted].  During this call, Ms. [redacted] paid $270.85 to PFC on behalf of [redacted].  This satisfies the judgment entered by the [redacted] County Court.  All fees and costs related to the judgment were approved by the [redacted] County Court as reflected on the issued Writ of Garnishment that was previously provided in response to this dispute.  Upon receipt of payment, PFC deleted all credit reporting it had submitted for [redacted], filed a Release of Garnishment, and filed a Satisfaction of Judgment.  PFC has confirmed with [redacted], and [redacted] that it is reporting no accounts for Mr. [redacted].  Proof of these actions taken has been attached to this response.  PFC has also included a copy of a paid-in-full letter as requested by Ms. [redacted].   At this time, it appears this matter is closed and PFC has taken all actions requested.  PFC is happy to answer any remaining questions regarding this matter and appreciates the opportunity to resolve this matter amicably.

Professional Finance Company, Inc. (“PFC”) appreciates the opportunity to respond to the complaint of Ms. [redacted].  PFC was assigned an account from [redacted] (“[redacted]”) on 9/13/2016 for collection from Ms. [redacted].  PFC mailed Ms. [redacted] initial notice of the debt (attached) on...

9/15/2016.  The notice was mailed to Ms. [redacted]’s [redacted] address that has been confirmed as correct by Ms. [redacted].  PFC received no notice of returned mail for this letter.  Despite this notice, PFC received no return communication from Ms. [redacted].  PFC did begin credit reporting the account on 11/13/2016 and thereafter made 6 calls to Ms. [redacted]’s telephone number ending in 9900, including leaving 5 voicemail messages.  Ms. [redacted] returned PFC’s 3/8/2017 call and, after placing a call to [redacted], paid the account.  PFC seeks to allow consumers an opportunity to pay the account prior to it impacting their credit.  As such, PFC takes Ms. [redacted] at her word that she was previously unaware of the account and has already submitted a deletion of all credit reporting of the account.  Additionally, PFC does not charge fees on any collection accounts.  PFC is happy to address any further questions or concerns.

Complaint: [redacted]
I am rejecting this response because:Mrs. [redacted] was in fact lied to about the CEO not being in the office at the time of the call.  When she called back and asked to speak with him, she was transferred.  She then asked if he was in the office, and was told he in fact was.  Mr. M[redacted] did not have knowledge if he was in the office and therefore, lied to Mrs. [redacted].  She as well was told she could not speak to the legal department, as is on the recording was told "they did not have phones."  Through further investigation, this also is a lie.As well, there was no letter of detailed expenses sent to Mr. [redacted] following the first court date as ordered.  Thus, this is why he did not attend the second hearing because he was informed that PCF must follow up with the paperwork.Had any of the information about [redacted] been provided as requested and found in the judgement this matter could have been easily resolved.Mr. [redacted] was in [redacted] at the time of the alleged service, but with no proof, he was reluctant to pay a bill or fees accrued, when he was told through the insurance company of his father, [redacted], that this matter had been resolved.It was stated in the last response that the reason partial payment could not be accepted was because of possible further charges.  If the interest had in fact stopped, then why was partial payment not allowed?As well, we have no record of the company attempting contact.Again, we admit we were late with the payment.  We went out of town for Thanksgiving and contacted the company the day we returned.  And thus the cycle of lying began.We would like a copy of bill with full disclosure sent to us.  If this is received we will gladly pay the bill.  However, at this time there is a hold on Mrs. [redacted]'s account, which again is not Mr. [redacted]'s account.  And he is asked to pay a bill for which he has no written proof.  The only form of communication has been the rude and unprofessional staff at PCF "telling" him he owes money.   Mr. [redacted] needs to see what is owed, why and to whom.  Along with this, if there is a bill it is essential Mr. [redacted] be given written proof of what rules, regulations or documentation the company has to prove they can charge such an amount and as to why they can refuse payment.We feel the tactics and handling of this case are not only unprofessional but border along illegal and would like the opportunity to review the policy and billing statement before making a final payment.  Mr. [redacted] can simply not go "on the word" of rule and ill informed staff that "partial payment" is not accepted and fees have been added, and expected to pay said bill without documentation.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: I am no longer represented by this lawyer; this account is going on four years now and is less than $200.00 why continue to keep this account open when we can settle the account and move on seems foolish
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business, and find that this resolution is satisfactory to me.
Regards,
[redacted]

Professional Finance Company, Inc. (“PFC”) appreciates the opportunity to address Mr. [redacted]’s complaint.  By way of background, PFC was assigned an account for collection from Mr. [redacted] on behalf of [redacted] of [redacted] (“[redacted]”) on 7/16/2015.  The account arises from...

services provided by [redacted] to Mr. [redacted] on 3/27/2015.  On 7/17/2015, PFC mailed Mr. [redacted] initial notice of the account to the address in Denver provided by Mr. [redacted] at the time services were rendered.  PFC received no notice of mail return on this letter.  PFC also attempted at least 13 telephone calls to Mr. [redacted] at the telephone number he provided to [redacted].  PFC has never heard directly from Mr. [redacted], but did receive a credit reporting dispute submitted through the credit reporting agencies in which Mr. [redacted] stated that he was “not aware of collections.”  PFC performed an investigation and determined that it was reporting accurate information for the account. PFC has discussed Mr. [redacted]’s complaint with [redacted] and has learned that the account claimed to have been paid in full is a different account for a different date of service.  As can be seen by the attached Patient Ledger provided by [redacted], the $58.56 charge was for a date of service on 6/20/2016 and was indeed paid in full.  [redacted] has provided an itemized statement showing the charge for the 3/27/2015 date of service.  As can be seen on that document, Mr. [redacted]’s insurance was billed, a contractual adjustment was applied, and the remaining balance was charged to Mr. [redacted]’s deductible.  As such, [redacted] has confirmed that the amount placed with PFC is accurate and owing.  PFC strives to provide all consumers with notice and opportunity to resolve their accounts prior to impacting their credit and believes it did so in this instance.  Nevertheless, as it appears there was confusion regarding this account on Mr. [redacted]'s behalf, PFC will delete any credit reporting of the account upon payment in full.  We look forward to assisting Mr. [redacted] resolve this dispute.

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, $84.33 and to close the account. Thank you for your time, I cannot say enough how much I appreciate it. Enjoy the evening, and the weekend.
Regards,
[redacted]

Professional Finance Company, Inc. (“PFC”) appreciates the continued opportunity to respond to Mr. [redacted]’s complaint.  PFC did speak with Mr. [redacted] on 12/29/2016, acknowledged that it had received his dispute, and confirmed that Mr. [redacted] has not yet retained an attorney regarding this dispute.  In response to Mr. [redacted]’s dispute and request for information, PFC has obtained a narrative explanation of the account, an Explanation of Benefits, and a transactional history from [redacted].  All of these have been attached to this response through the Revdex.com portal.  PFC has complied with Mr. [redacted]’s request for information, has fully supported the debt through the attached documentation, and has confirmed with [redacted] that the account is due and owing.  Given that Mr. [redacted] has implied that involvement of his attorney is likely, PFC would prefer further correspondence or discussion of this matter take place only in writing or through the Revdex.com’s complaint portal.

Complaint: [redacted]
I am rejecting this response because:  I as well have audio copies of the communications between the supervisor at PCF and with myself, and I was lied to and denied the opportunity to speak with other staff members and hung up on.  Upon reviewing the tapes again, [redacted] was hung up on for being rude.  We agree to this statement.  However, I was treated unprofessionally, lied to and denied documentation.  As a "customer" of the company we are in fact intitiled to what is being required in writing or otherwise.The response also does not address MY bank account being frozen for fees not associated with me.  As well, [redacted] did NOT receive the materials requested in court outlining the said debt, as ordered.  Thus, we were informed until PCF complied we were not to comply.  [redacted] was hospitalized in a coma in a different county and hospital during the time of the alleged debt, which was proven in the insurance paperwork sent to the company in June 2015.  As well, his identity had been stolen earlier in the that year (2008).  Documents provided by his father and the insurance company who settled [redacted] medicals bills were sent to the company in June 2015.  No response was given.  Because Mr. [redacted] nor I had ever dealt with a collection agency before we began to make payments on the debt.There also are fees added for interest on the case in $139.  If accepting partial payment is not allowed because of further costs, then why is there an interest charge being applied?  As well, PCF had both [redacted] and [redacted] current phone numbers and NEVER made an attempt to contact either of us on 12/1/2015.  I would like to see proof of this, as we feel the company is fabricating this information.  The first attempt to make a partial payment was on 11/28/2015.  We also have phone records to prove this fact.  We also have phone records to support calling and leaving four unreturned messages in attempts to gain further information and find what has happened to the paperwork submitted by the insurance company by [redacted] (father of [redacted]).  Who again, [redacted] was under his insurance at the time because he was a college student and covered.I again would like the fees associated with MY bank account be reimbursed in the total of $75 and the freezing of MY bank account released.  As well, because of the improper treatment of both Mr. [redacted] and [redacted] any further fees (since attempts were made to make payment) be dropped.  We will pay the $270 to resolve this case, yet reserve the right to collect that amount and all other fees and expenses related when it is found that this in fact is not [redacted]'s debt (which again, is in the insurance records provided, and we can again provide).  At this time, we are working to clear Mr. [redacted]'s credit and thus want to resolve this matter not as a fact of admitting the debt but to erase it from his credit history.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: I do NOT agree with their version of events. I NEVER received any message IF they left one it was NOT ON MY voice mail. If I had received anything from them saying there was an issue with payment I would have returned the call immediately as what would be the point me taking the time and then making the effort of going to court 2X if that was the case I wouldn't have made an attempt to go to court they could have had a judgement in the beginning, I also made the attempt to contact them to set up the agreement I agreed to ALL of their terms, For me just to ignore them later that would be a waste of my effort to work things out with PFC.  Again this issue is a he said she said situation.I want something in writing stating that I NO longer owe them any funds since I provided proof that the funds were pulled from my account so that I wont have to deal with PFC in the future.I will continue to think they are a shiesty, and shady collection agency!!I do not want them to come back in another 5 to 7 years saying I didn't pay them.That is my final request for resolution thank you.Regards,
[redacted]

[redacted] [redacted]Hello, I would like to share that your client- [redacted] has reported at least 5 times to other credit collection companies sizable amounts that were deemed unbillable to me.  [redacted] investigated these improper claims and reported back that [redacted] should not be trying to collect these amounts.  We have been working on these FALSE collections for well over a year, and now this new collection has popped up.  At this stage, after speaking to an attorney and doing some research, we are able to collect damages due to improper collection practices. With that said, we want to see a statement from [redacted] stating that they are aware of these improper billing/ collection attempts, and that the amount you are trying to collect is the final and last attempt at ANY collection from them.  We received proof verbally and via hard copy that prove [redacted] absolutely exercised improper/illegal debt collection practices.  The amount they are trying to collect at this point pales in comparison to the number of hours we spent trying to clear these FALSE collections from ALL credit reports, legal consult, frustration, and stress during these very difficult times.  Not only were we dealing with stage 4 cancer, but my wife had a brain injury and horrible back injuries that she was having to deal with during this time as well. They should be ashamed of themselves for putting us through all of this- had they done the correct thing from the beginning (not falsely trying to collect amounts $1390 +)that were not owed) and inflated the collection amounts falsely, this all would have been rectified long ago. We proceeded to make payment arrangements to one of the many collection companies they hired to TRASH my credit, and when we questioned the billing on this account with that collection company, we received a FULL refund with an apology letter and it was quickly removed from my credit report.  Due to the extent of damage to my credit report- I can pay the amount they are asking, but I will also file a formal complaint and pursue damages possibly to defend my rights. Please let me know how you wish to proceed. Sincerely, [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 8/26/2016.  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 30 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.

Complaint: [redacted]
I am rejecting this response because:At this time I have attempted to contact agents and supervisors with PFC to verify if the dispute documents I mailed on December 16, 2016 have been received and reviewed.  On 12/21 the agent refused to speak with me and twice transferred me to a supervisor extension which went to voicemail both times.  On 12/23 again the agent would not speak to me only indicating they must transfer me to another department for handling.  Voicemail with my cell contact information was left for a Scott M[redacted] at 4:30 to verify with me if the documents have been received, as of today 12/29 I have not had a return call.  Today I again called and was told the agent must transfer me to another department.  I  have left another voicemail at 11:45 today with a Nick P[redacted] to contact me for verification dispute documents have been received.In order to ensure that the 30-day deadline to submit my dispute in writing is met I have attached the "Letter of Dispute" and additional document, a canceled refund check from [redacted].  This is a copy of the refund paid to me when final payment was received by them and it was determined an over payment had been made.  the refunde was for over payment of services provided on 5/29/2014.I would like to also request that PFC obtain from [redacted], and provide me a copy, a complete transaction history of my account.  All account billing statements sent to me and records of payment received from both me and the insurance provider.
Regards,
[redacted]

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Address: 81 Steuben Street, Brooklyn, New York, United States, 11205-2608

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