Emerald AR Systems

Review: The representative informed me that they have the phone number of the company who put $37 into collections and said she was not allowed to give it to me. Is that even legal?Desired Settlement: I'd like to be given the phone number of the company that has out me into collections. It should not be withheld.

Business

Response:

[redacted],Our clients provide all information pertaining to the bill for which we are attempting to collect and expect our agency to answer questions relating to the bill. If there is something that our representatives cannot answer or more information is needed in order to provide the consumer with more detail, the request of our client is for our agency to email or alert the client via electronic means with all requests for information. Once an account is sent to our 3rd party collection agency, a client wishes for us to take over any action on the account including customer service as their in house recovery efforts have been exhausted. We realize that this may be inconvenient to a consumer, but our client has unsuccsessfully resolved the debt after a few months of efforts and this is why they contract with a third party to seek further resolution. Clients do not want to be inundated with calls to their office from accounts that have been sent to collections as they provide all information necessary to inform a consumer of the outstanding balance to our agency. It is much easier for them to provide additional info in a bulk form or via electronic means between our back end systems rather than taking more time to provide each individual consumer with information in which they have already attempted to provide. We would then provide this additional information to the consumer.Some consumers simply prefer to speak with the provider directly with regard to the bill rather than a collection agency and we understand this desire. We are simply a resource of resolving accounts for these providers and have all necessary information required to do so and would discourage direct contact to the provider at their request as this is a service which they pay us to provide. However, we are not the only source of contact information for a provider and if a consumer truly wishes to contact the provider, there is nothing our agency can do to stop those efforts. If there are any questions relating to the bill, we are here to assist with those questions at [redacted]. Thank you for your understanding.

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.In their response they confirmed deliberately keeping details from me. There is no way this is ethically legal. Thank you for your help. Regards,[redacted]

Business

Response:

We are in receipt of a confirmation from our client that the responsible party has resolved the account with the creditor directly and assume that contact was obtained through whatever means she found necessary. Further contact information for the office and the billing company is attached and available online.

Review: I was checking my credit report and found that emerald ar systems put a collections of bills on my credit score for the amount of 399.0 on the same date 4 times mind you they are not my bill and want them taking off my credit report.. it is not my bil, I called the collection company and the lady said its my bill from my deceased husband and that I was responsible for it I have never heard of such a thing I would like this to be resolved and taking off my credit report.. Thank youDesired Settlement: This needs to be closed and removed from my credit report on all four times that its on there for the amount of 399.00 dollars..4 times for the same bill now how can they charge you four times??

Business

Response:

Ms. [redacted] is correct that there are several bills for her deceased husband that went unpaid and are reported to her credit report. We made attempts to contact her regarding these outstanding charges once they were placed in our office by our client in 2010, from which we never heard a response. After several months of no response and no payments, the debts were reported to the credit bureau. These charges were for the same charge dollar amount, but for several different dates of service. Hence, multiple charges reported to the credit bureau report with the same dollar amount which would appear as duplicates yet they are for different dates of service. Arizona is a community property State and the responsible party may wish to review the manner in which liability and ownership of debt as well as property is handled in the State. These debts have been reported since 2011 and will remain until termed by the extent of the law. This is a valid debt and there was no mistakes of duplicate reporting as posed by the responsible party. As such, we consider this complaint invalid. We received a call from Ms. [redacted] today and the representative attempted to explain the debt, dates of service, and how community property works in AZ, yet the responsible party disagreed with the representative and stated she wanted to sue our organization. I tried to reach Ms. [redacted] via the number provided, but there was no answer. I did not leave a message. If she wishes to contact our office for further clarification, she may call ###-###-####.

Review: "Company" purchased a past due but in**lid billing from a local Hospital, for emergency services provided to me by the subject hospital. That billing was in**lid because, over my protestations to the contrary notwithstanding, , they purposely failed to follow the [redacted]n (**) protocol for rendering such services to military persons enrolled in the . ** Medical program. That protocol requires that any civilian medical facility that provides such to an enrolled veteran first stabilize the veteran only, then secure the **'s instructions to either further treat him/her OR to immediately transfer them to the nearest ** hospital forthwith. The hospital did not ask for or otherwise receive any such instruction(s) from the Phoenix **. Instead, they opted to admit, treat and keep me as a relative prisoner for three (3) days. Over those 3 days, I asked numerous times when a transfer was to be. No one ever answered me. I informed "Company" of this by certified mail but they opted to severely damage my credit instead of returning the billing to the hospital. My credit was downgraded from about 800 to about 700 as a result.Desired Settlement: Cancel my billing by "Company" and correct the damage to my credit rating.

Business

Response:

This complaint is not directed to the proper party. From the contents of the complaint, the dispute is not with Emerald A/R Systems rather it is with the hospital facility from which the patient was admitted. Moreover, the bill which Emerald is attempting to collect is neither with the hospital facility nor was it a purchased debt. It is a physicians bill from a cardiology provider, who had no choice but to treat the patient once the patient was admitted to the hospital. Emerald A/R Systems and our client have no say in '** Protocol' and we do not make decisions involving transferring a patient to a ** facility. Emerald received a cease and desist request from the consumer and this only requires attempts to contact a consumer to be stopped, which Emerald adhered to this request. The patient was treated by the provider and this bill from treatment is overdue and delinquent. Unfortunately, the reprecussions of not paying or resolving the **lid bill were to report to amount to the credit bureau(s). This is not a valid Revdex.com complaint to Emerald A/R Systems or our client.

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.

Statement 1. From Emeralds Response: “This complaint is not directed to the proper party. From the contents of the complaint, the dispute is not with Emerald A/R Systems, rather it is with the hospital facility from which the patient was admitted.”

Rebuttal to statement 1: This dispute IS correctly addressed to Emerald A/R Systems, not the hospital, because Emerald is the one attempting to collect a debt that for the reasons outlined hereunder, is in valid and should never have existed..

Statement 2. From Emeralds Response: “Moreover, the bill which Emerald is attempting to collect is neither with the hospital facility nor was it a purchased debt. It is a physicians bill from a cardiology provider, who had no choice but to treat the patient once the patient was admitted to the hospital”.

Rebuttal to statement 2: Regardless of whom Emerald’s client was or is; ANY hospital billings as well as ANY of the same from any other person or agency arising out of or initiated by the subject incident were completely in**lidated in TOTO by the hospital’s ignoring **’s protocol for outside agencies treating a ** member. As to Emeralds “Cardiologist” client, I do not recall ever asking for, authorizing, seeing, or receiving any “treatments” by a “cardiologist” at any time during this incident nor did I ever receive any subsequent billings from any such “cardiologist”. However, any such billings that exist or existed would be a “Fruit Of The Poisonous Tree” created by the hospitals ignoring ** protocol and therefore in**lid on their face.

Statement 3. From Emeralds Response:. “Emerald received a cease and desist request from the consumer and this only requires attempts to contact a consumer to be stopped, which Emerald adhered to this request.

Rebuttal to statement 3: Emerald’s complaint response has completely mischaracterized the response letter they received from me (sent to them immediately following receipt of their initial correspondence to me in this matter). That is: that letter was NOT a simple “cease and desist” order. Rather it contained a) my full and complete denial that I owed the subject debt, b) my complete explanation to them as to why I didn’t owe it, c) my request to them to either “**lidate”, the debt with their client (or not) and d) a request for them to notify me of the results of that **lidation procedure, all of which the federal FDCP act requires upon my requesting it and which Emerald apparently did not do, as I never received responses to any of my requests to them.

Statement 4. From Emeralds Response. The patient was treated by the provider and this bill from treatment is overdue and delinquent. Unfortunately, the reprecussions (sic) of not paying or resolving the valid bill were to report to amount to the credit bureau(s). This is not a valid Revdex.com complaint to The patient was treated by the provider and this bill from Emerald A/R Systems or our client.

Rebuttal to statement 4: Emerald’s assumptions , opinions, action descriptions and denials of responsibility included in statement 5 above, are for all the reasons outlined in rebuttals 1 through 3 preceding, in valid and not applicable in this matter.

Conclusion: I believe that I have truthfully and completely laid out my case asking for Emeralds corrective actions in this matter. I trust that Emerald will concur and take the appropriate actions to correct this injustice, so that I wont have to pursue relief further.

Regards,

Raymond Forrester

Business

Response:

Attached is a signed financial agreement at the time of service by the responsible party along with statements of the charges by our client. Please see the 'ZZ Bad Debt' or 'collection agency adjustment' line item for the balance(s) due. The is a valid debt. According to the financial agreement, our client could charge collection fees and/or interest up to the legal rate which they choose not to do. If a complaint still remains with hospital practices and ** protocol, please direct those to the proper party. The responsible party can reach our office at [redacted] to resolve the outstanding balance.

Review: I have received numerous telephone calls to my cell phone every day for months, but no person is on the other end, only a partial cryptic recorded message with no details. When I call the number, I get a recording not identifying who they are or what they want. I finally held on long enough to speak to a person and they advise they were a collection agency trying to collect two debts - both medical billings that the provider stated were paid in full. When I asked for them to stop harassing me and cease the calls, I was hung up on before being able to ask them to send me copies of the original debts.Desired Settlement: Have them stop harassing me by calling me several times a day now, remove all references from my credit report, as IMS says I owe them nothing.

Business

Response:

After speaking with our client this morning and verifying all payments, credits , and balances owed on Mr. [redacted] accounts in our system, a small balance still remains. I removed Mr. [redacted] phone number from our calling service as requested and called him this morning to inform him of the balance remaining and the removal of his phone number from our calling service. No further phone calls will be made in attempting to collect this debt.