Downtown Automotive

Complaint: [redacted]I am rejecting this response because I have lived at the same apt complex for the last 5 years, verified my address with them and have received no such mail.  I also called them and was told that they were still processing my information.  My address is listed in my Revdex.com response and if they have given you said information, I would like that given to me so that I may compare it with the year of receipts that I have from [redacted] for the time in question.  Regards,[redacted]
[redacted]
[redacted]
[redacted]

Complaint: [redacted]
I am rejecting this response because:I do not use the insurance provider, [redacted], which is in question from 2014, I think it unreasonable PFC request I initiate contact and spend personal time researching this issue.  While I am still adamant the claim by ** is unfounded and they have not provided accurate documentation indicating patient responsibility in order to close this account with ** I would be willing to repay the amount of $138.88 which ** had refunded.  If agreed upon I would ask a letter be provided by ** that account has been paid in full and no further action will be pursued to collect additional payment. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business, and find that this resolution is satisfactory to me.  I will contact Mr. M[redacted] this week to arrange final payment.
Regards,
[redacted]

Thank you for the continued opportunity to address Mr. [redacted] complaint.  Professional Finance Company, Inc. (“PFC”) believes that it has fully complied with the Fair Debt Collection Practices Act (“FDCPA”) in providing Mr. [redacted] with itemized statements from the original creditor as verification of the debt.  PFC does understand that Mr. [redacted] disagrees and has requested communications from PFC to cease.  As such, PFC has ceased all of its collection efforts as to the account for Mr. [redacted] and returned the account to [redacted].  While PFC will no longer be engaged in collection activity on this account, PFC makes no warranties as to how [redacted] will handle the matter going forward.   PFC hopes that matter is now resolved and, again, appreciates the opportunity to address Mr. [redacted] complaint.

Complaint: [redacted]
I am not fully accepting the response, but not rejecting this response because:I agree with what the company has tried to do to fix the issue.  I accept the information they have finally provided me and I hope they do in fact discipline the employee that has given me wrong information.  I would like the company to send me a statement to send payment too.  So if PFC could send me a statement from their company so I can have it for my records, I would be happy to pay the amount in full online through their website or through mail.  They can either do so through the Revdex.com or through the mail to my address which they already have on file.  
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business, and though I still dispute that they made legitimate attempts to contact me by my actual phone number, I feel I've exhausted my attempts to get PFC to provide a list of those incorrect numbers to the Revdex.com or [redacted]. I am now dropping this complaint. I would like the upper management at PFC to use this case to determine if better business practices can be put in place in the future. Thank you for considering this situation and for your responses to my concerns. Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:First, The note that states on 9/15/2016 that they sent me the balance in the mail is false. I yet have to receive anything in the mail from this company showing my accounts and payments. Second, in reference to the Three accounts and my history of payments - the first one was satisfied 7/2011, which is not part of this dispute. The accounts in question would be Account 2 and 3. In regards to my questioning of the amount I owe; MY beginning total due was $739.50 for the [redacted] account (in which they show $649.40) and $289.27 for the [redacted] (in which they show $264.27), which would show that I have paid MORE towards my accounts than what they are originally stating that I owed. Roughly $115. Where has this been accounted? 
I also do not agree with the statement ". 
While only payments within the last 2 years are included in detail, all
payments are included in the total balance". I will dispute this as in looking at the beginning of my account, there is roughly $315 of payments NOT showing on this account. I have sent a total of $143.90 to pay off the last two payments on my account. In which neither have been submitted. I still do not agree to the total of my bill still being $338.77, as calculated by all of the payments I have made. After the $143.90, one for $50 and one for $93.90, that would still leave $194.87. If the interest that they charged is $139.89, I'd be willing to pay an additional $50 to finalize this account. I believe with my records, that I have actually paid OVER these accounts and this is more than fair. [redacted] PLEASE NOTE. Please put both checks towards my account. No need to wait.  Regards,
[redacted]

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

PFC has attempted to reach Mr. [redacted]'s former attorney several times and has not received a responsive communication.  As such, PFC would be happy to have a supervisor discuss this matter with Mr. [redacted] and looks forward to resolving this matter.  Mr. [redacted] may call [redacted] and speak with Supervisor Scott M[redacted].

Professional Finance Company, Inc. (“PFC”) appreciates the continued opportunity to respond to Mr. [redacted]’s complaint.  PFC has provided [redacted]’ position regarding Mr. [redacted]’s account and has provided the documentation supporting that position.   [redacted] believes that the account is owed and is unable to control when or why a health insurance provider may request a refund of previously remitted funds.  Mr. [redacted] may want to consider discussing this issue and [redacted]’ account with his insurer to determine if there is any relief they may be willing to provide.  PFC has marked Mr. [redacted]’s account as disputed, will cease communication on the account as is required when a consumer expresses their refusal to pay an account, and will proceed accordingly under [redacted]’ direction.

On Thu, Nov 17, 2016 at 10:33 AM, Nick P[redacted] <np[redacted]@pfccollects.com> wrote:Good morning, M[redacted].  I hope you are well.I wanted to reach out to you regarding the complaint of [redacted].  While PFC believes it has shown that all payments were applied correctly and that the full balance is owing, PFC was able to speak with [redacted] and obtain authority to accept Ms. [redacted]’s offer to pay $84.33.  It appears PFC cannot respond through the Revdex.com Portal.  So, given Ms. [redacted]’s expressed anxiety about this situation, we wanted to help to get this matter resolved as soon as possible.  Please let me know if you will be able to relay this information to Ms. [redacted] or if there is anything that PFC needs to do to relay this directly.Thanks!Nick Nicholas P[redacted], Esq.*Director of ComplianceProfessional Finance Company, Inc.5754 W. 11th St., Suite 100Greeley, CO 80634[redacted]

Professional Finance Company, Inc. (“PFC”) certainly does understand Mr. [redacted]’s frustration and appreciates his willingness to work with PFC to get this matter resolved.  As previously stated, PFC will delete credit reporting of the [redacted] account in question upon its payment.  Once paid, PFC will submit the deletion request to all three major credit bureaus.  However, the credit bureaus may take additional time to reflect this deletion, which is out of PFC’s control   PFC looks forward to assisting Mr. [redacted] in resolving this matter.

Complaint: [redacted]
I am rejecting this response because:This company NEVER contacted me by phone as they state they did, they claim that my payments were returned my bank says otherwise that no debits were drawn after July 2016!!  And they had no problem going in and removing funds at their convience ina sneaky way of a court ordered garnishment that I was not aware of how can they contact me for the original garnishment but not this garnishment?? And I will repeat that they included extra funds that were NOT authorized.I already paid in payments for March, April, May, June & July 2016 for $ 68.68 each payment that is $343.40 paid in on their original requested balance for $ 547.84 which I would have only owed $204.44 they took $359.10 ( they claim my bank received $75.00 of this $359.00 they took ) I am looking into this and none would have been removed if PFC kept their end of the agreement.This will be a he said she said situation, again I DO check my phone messages daily as my mother has Alzheimer's and is in a nursing facility in Broomfield! I can NOT afford NOT to check my messages daily as I never know if the nursing home will call me if my mother takes a fall, or has a health issue!They are not being truthful and they managed to have the legal system work on their behalf and for their own benefit and profit! I would have never made the effort to go to court 2X to work out the claim for payments if I intended to fault on a agreement with them.They had my cell number as well and my home number and my address which they sent notices just fine to to notify me of the collections in which I responded to!They wrote on their monthly statements to me that I obligated to pay them as I gave them permission for monthly payments on a " previous recorded conversation" however when I called on 10/25/2016 and asked if I could record the conversation a female named Kelly said they do not do that ever... and she did not give me any permission to do so ( also not the truth if they recorded my conversation and it is written on the monthly statement I have in my hand.)This company did NOT honor their own agreement, it seems to me that PFC figured out a way to say the consumer somehow faulted on collection agreements,  regardless of what they responded back to the Revdex.com they did NOT attempt to contact me, however just yesterday I received a letter postmarked 11/04/2016 with the garnishment notice of funds and an additional BLANK notice " To Writ of Garnishment with notice" after they took out of my account..Why send me this now?  Is it because I have put in a complaint with the Revdex.com and including the attorney Generals office? Seriously what was the point of this notice now if they went and removed the funds they claim they didn't have access to months ago and added funds that were over the original debt? And how was this possible if they did not have my account information?This company does NOT have good business practices and has figured out a way to benefit themselves and including benefiting themselves with even more then they are entitled to or actually due!! I think it is unjust how they handled this situation and unethical however like I mentioned it is a he said she said situation I would like an better explanation of how they took more then what was agreed upon ?
Regards,
[redacted]

PFC has received Mr. [redacted]'s payment and submitted the deletion request to the credit reporting agencies on 9/9/2016.  Today, on 9/12/2016, PFC reviewed Mr. [redacted]'s information with [redacted], and [redacted], and confirmed that the account has been removed from credit reporting.  As proof, PFC has attached reporting reviews that reflect no accounts reported by PFC under Mr. [redacted]'s information.  PFC trusts that this will resolve Mr. [redacted]'s complaint.  If anything further is needed, please feel free to contact PFC.

Thank you for the opportunity to respond to Ms. [redacted] complaint.  Professional Finance Company, Inc. (“PFC”) entered into a settlement agreement with Ms. [redacted] to resolve several account owed to Renown Regional Medical Center.  This settlement agreement was reached and completed...

without issue.  Not included in the settlement agreement was an account owed to [redacted].  This account had reached an age that was beyond the statute of limitations for legal action.  PFC does not actively collect these accounts, but they can remain on a consumer’s credit report for up to 7 years, per Fair Credit Reporting Act guidelines.  PFC has reviewed the recordings where the settlement agreement was reached and has found that the settlement agreement never included the [redacted] account.  On August 7, 2015, PFC received a telephone call from Ms. [redacted], requesting that PFC delete credit reporting of the [redacted] account.  PFC agreed to the deletion and sent a fax to Ms. [redacted] confirming the deletion.  PFC also sent Ms. [redacted] a printout of her paid accounts as requested, but had sent this item by regular mail pursuant to PFC policy.  PFC has closed its file on the [redacted] account and deleted credit reporting as requested.  PFC believes that this resolves Ms. [redacted] complaint, but is happy to answer any further questions she may have.  Again, PFC is thankful for the opportunity to resolve this matter.

Professional Finance Company, Inc. (“PFC”) has again communicated with its client, [redacted] (“[redacted]”) and feels that it is imperative to relay the following: [redacted] bills insurance as a professional courtesy to its patients and that billing is incumbent upon the insured providing necessary and accurate insurance information at the point of service. [redacted] has provided its own system notes, which show that Ms. [redacted] failed to provide the necessary billing information in a timely fashion.  On the date of service, 4/17/2015, [redacted]’s notes reflect that Ms. [redacted] failed to stop at the discharge office to provide her demographic and insurance information to [redacted].  As a result, [redacted] had neither Ms. [redacted]’s contact information, nor her insurance information.  [redacted] attempted to mail Ms. [redacted] a notice, but received return mail on 5/8/2015.  [redacted] then attempted to reach Ms. [redacted] by telephone on 5/11/2015, but found that it had no valid contact information on file.  [redacted] assigned Ms. [redacted]’s account to PFC for collections on 8/4/2015. On two separate occasions, Ms. [redacted] was reached telephonically by PFC (on 9/10/15 and again on 9/17/15), but refused to cooperate in PFCs efforts to verify her identity and proceed with the call. Had she cooperated on either of these two occasions, Ms. [redacted] might have benefitted from the information she would have received and, at the very least, could have engaged her insurance carrier at that point.  Being unable to discuss the account with Ms. [redacted] due to her refusal, PFC was forced to initiate legal action on [redacted]’s behalf to collect the account.  Ms. [redacted] decided to cooperate only upon the initiation of legal proceedings and it appears that any opportunity for Ms. [redacted] to exert her rights under her insurance contract have expired.  Ms. [redacted] did contact [redacted] directly on 5/6/2016 and informed them that she had moved three times recently.  As a courtesy, [redacted] agreed to attempt to bill her insurance.  [redacted] was informed that insurance denied such billing as out of timely filing and that the account was Ms. [redacted]’s responsibility.  After a review of [redacted]’s account notes and information, PFC disagrees with Ms. [redacted]'s assertions that insurance denial is the result of any inaction of [redacted] -- [redacted] had no knowledge of Ms. [redacted]'s coverage with [redacted] until May 6, 2016.  Even at that point, [redacted] attempted to bill insurance as a courtesy.  It is [redacted] and PFC’s position that Ms. [redacted]’s failure to provide the insurance information or update her address to [redacted] resulted in denial of insurance coverage for out of timely filing.  As such, [redacted] has supported PFC’s initiation of legal action and denies that [redacted] or PFC is responsible for Ms. [redacted]’s bill.  PFC is happy to honor the stipulation that Ms. [redacted] has entered into and urges Ms. [redacted]r to continue to work with her insurance company to see if she is eligible for any reimbursement for payments made on the account.

[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.

Professional Finance Company, Inc. (“PFC”) appreciates the opportunity to respond to Mr. [redacted]’ complaint.  Mr. [redacted] contacted PFC on 7/13/2016 to pay his [redacted] account.  During this call, Mr. [redacted] set up a recurring payment arrangement to pay off the debt in three...

payments, to be taken out of his account automatically on 7/26/2016, 8/26/2016, and 9/26/2016.  Mr. [redacted]’ first payment for 7/26/2016 was processed by PFC and returned as Non-Sufficient Funds by Mr. [redacted]’ bank.  PFC then left several messages for Mr. [redacted] and received a return phone call on 8/24/2016.  During this call, Mr. [redacted] again set up recurring payments to pay off the debt in three payments, this time with payments to occur on 8/26/2016, 9/26/2016, and 10/26/2016.  The first payment on 8/26/2016 did go through and get processed. Mr. [redacted] then called PFC on 9/22/2016.  A recording of this call has been attached to this response.  In this call, Mr. [redacted] stated that he “somehow managed to screw up” his bank account and needed to delay his scheduled payment.  PFC’s representative stated that would not be a problem, but Mr. [redacted]’ payment information would need to be re-entered.  Mr. [redacted] appeared to be searching for his Visa card to enter into the payment arrangements, but was unable to find it.  Mr. [redacted] stated he would need to call PFC back once he located his card.  PFC never received a return call from Mr. [redacted].  PFC attempted to reach Mr. [redacted] by telephone 10 times between the 9/22/2016 phone call and the date of this response, 2/8/2017.  Mr. [redacted] has never responded to any of these attempts to reach him. PFC disagrees that it mishandled Mr. [redacted]’ information or was incompetent in anyway.  Unfortunately, Mr. [redacted]’ complaint is wholly inaccurate.  As such, PFC rejects Mr. [redacted]’ demand to pay the balance on the account from PFC’s own resources.  However, PFC is happy to help Mr. [redacted] in setting up a payment arrangement to satisfy the remaining balance on his account and will delete credit reporting of Mr. [redacted]’ account upon payment in full.

Professional Finance Company, Inc. (“PFC”) appreciates the opportunity to respond to Mr. [redacted]’s complaint.  PFC was assigned an account for collection from Mr. [redacted] on behalf of [redacted] (“[redacted]”) on 3/8/2013 and sent initial notice of the debt on or around 3/9/2013. ...

On 6/28/2013, PFC received a settlement offer from Mr. [redacted], offering to pay $55.00 for settlement in full.  PFC rejected this offer and does not have authority from [redacted] to accept such an offer.  On 1/25/2016, PFC received a letter from an attorney representing Mr. [redacted] (see attached).  PFC appropriately notated that Mr. [redacted] was represented by this attorney and is now prohibited, pursuant to federal law, from communicating with Mr. [redacted] without authorization directly from Mr. [redacted]’s attorney.  PFC appreciates that Mr. [redacted] is attempting to settle his account.  However, PFC had already rejected Mr. [redacted]’s offer and PFC’s hands are now tied due to Mr. [redacted]’s attorney representation.  Mr. [redacted] can either have his attorney communicate with PFC to resolve the account or have his attorney send PFC written authorization permitting PFC to speak directly with Mr. [redacted].