Express Recovery Services Inc

We have responded to Mr*** via his complaint with the CFPB We have provided itemization of charges as well as signed contracts where available The accounts have been marked as disputed on Mr***'s credit report

All of our notices list the original creditors name. We will send another notice to Ms*** and we will attempt to contact her by phone. She can also call our office at 800-238-Monday-Thursday 8am-8pm, Friday 8am-6pm or Saturday 8am-12pm. This week we will have holiday
hours. We will be open Tuesday-Friday 8am-6pm and closed Saturday

I have reviewed information we received from Mr***'s attorney yesterday and issued instructions to delete the account from Mr***'s credit report

Complaint: ***
I am rejecting this response because: I've have sent out several letters and until now they have
responded as if I have never written them. I gave them more than days to resolve the matter by send a letter of Verification so we I could take days to investigate the matter myself. I want this deleted off of my credit reports before I contact the attorney general and file a law suit against express recovery. They had mor than days to respond but didn't so by law it must be deletedThank you!
Sincerely,
*** ***

We have checked our system and have no record of any correspondence received in our system from Ms***. We will obtain validation of the debt and mail it out to her

Complaint: ***
I am rejecting this response because:
Sincerely,
*** ***because as of yet they have not responded

This response has not been sent yet. We are obtaining validation of the debt from our client. As of today the client has not provided information on the dispute. Per Federal law the account is on hold and no further collection action will be taken until we receive and mail the verification of the debt from the original creditor

Complaint: [redacted]
I am rejecting this response because: This is nonsense and another excuse to why the first two letters I sent didn't get a response buying time for an account that is fraudalent.  Beginning  5/11/2016 I will be preparing to take legal action against Express Recovery as stated in my letters.  Going back and forth on the matter is resolving anything. Enough is Enough!
Sincerely,
[redacted]

Due to the nature of medical itemizations, the majority of our clients do not send detailed information regarding medical procedures to our office unless requested.  This protects patient confidentiality.  I have requested itemized statements from our clients and will send those to Ms. [redacted] as soon as we receive them.  This generally can take anywhere from 1-7 days.  I have also requested copies of the letters that were sent out to Ms. [redacted] from our letter vendor.  They retain copies of actual notices for 1 year so I wasn't able to obtain anything that would have been sent prior to that.  Our office sends out over 70,000 notices per month.  We utilize electronic mail return service through the United States Postal Service.  If a notice cannot be delivered to the address on the envelope it is returned to our office.  We have not received any of these notices back identified as returned mail.  Beyond that, I have no way to identify anything else.I will mail copies of those notices along with the itemizations as soon as they are all received in our office.

Our records do not indicate a request for an itemization of charges prior to late last week.  Ms. [redacted] has been sent multiple letters.  We have sent notices 6/17/13, 8/12/13, 3/15/14, 5/21/14, 8/18/14, 12/11/14, 1/12/15, 3/11/15 and 5/11/15.  Several notices were mailed to the...

address she provided and others were emailed securely upon her request.Ms. [redacted]'s account number is [redacted].  It has been on every receipt she has obtained when making a payment.Last week we received an email asking for itemizations of her accounts.  A printout of all of her accounts as well as a payment history was sent in Friday's mail.

Complaint: [redacted]
I am rejecting this response because:  As of Thursday, June 11, 2015 I have received the itemized statement from Express Recovery Services, Inc., but it does not contain any dates as to when the services were rendered by their clients. There is also undocumented interest charges. The individual interest charges do not add up to the interest documented as charged and I would like this to be explained as best as possible. Further, the amount I agreed to pay every month is $25.00. Not $50.00 which is stated as the promised amount on the documents sent to me. Due to low income, and being a full time student, I am unable to pay more than that per month. As I mentioned before, I have spoken to many associates with Express Recovery Services, Inc. and notified them that I was not receiving their notices. They told me that it was the post office's fault.  I have never received any of the mentioned notices documented by Express Recovery Services, Inc.. I have confirmed my physical address and email address with the company's associates. I have been given the same dates as to when the items were mailed, but none of them have made it to me. I did request to be sent a bill the first time I spoke to one of the associates on the phone. I apologize for failing to specifying that I wanted an itemized account of all information. Since I promptly received the requested information after filing this complaint, I find it hard to believe that all of the previous notices sent were lost at the post office, and I expect Express Recovery Services, Inc. to inquire as to why those notices never made it to my address. Further, I made an online payment on Friday June 5th, 2015 for the amount of $25.00. As I do not know where it shows the account number on any of the receipts from previous payments. I had to guess on what the account number actually was. The confirmation number given is [redacted]. The number I used for the account number, which I now know is wrong, is [redacted]. The amount of $30.95, which includes the $5.95 fee, has cleared my checking account and I expect the payment to be applied correctly to my account. I also made a payment Thursday, June 11, 2015 for the amount of $12.79 on the account number [redacted]. Confirmation number: [redacted]. I expect this specific account associated with my name to be completely paid in full as I paid the exact balance that was sent to me on Thursday June 11, 2015. Furthermore, I am requesting to be contacted only in writing either through email, or through mail. I will no longer participate in any phone conversations with any associates from this company. I am appalled at their level of unprofessionalism, and their offensive manner regarding my inability to pay my medical bills.

Sincerely,
Nichole [redacted]

Rocky Mountain Power assigned the account to us 12/22/2016 and never reported any payment.  They send a payment report daily so I'm not sure what the issue was with this one.  I contacted them today and verified the account was paid in full.  It has been cancelled.  The account...

was not reported to Mr. [redacted]'s credit.  We are investigated why the payment was not reported to our office.

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

This account was assigned to our office 9/28/17.  We sent our notice out on 10/2/17.  We called Mr. [redacted] on 10/4/17 at which time he said he had filed a complaint with the IRS and not to call him any more.  The account was updated to no contact status and marked as disputed.

Complaint: [redacted]I appreciate Express Recovery Service, Inc. taking the time to request from their clients the information I requested regarding the dates of services rendered. At this time, I am confirming that, on June 11, 2015, I received an email from ERS as a notice for payment of $25.00 due on June 25, 2015. The notice also included the account number, and a balance of $506.64. In regards to my previous message, I would like ERS to confirm in writing that the payment made on June 5, 2015, confirmation number: [redacted] for the amount of $25.00 was relocated to the correct account in my name. I would also like written confirmation that the account number  [redacted] which is associated with my name has been paid off as of June 11, 2015. I made a payment for $12.79 which is the exact balance included in the itemized statement which I received by mail June 11, 2015. The confirmation number for the payment is: [redacted]. Furthermore, within the next one or two months, I plan to pay off other specific account numbers which hold small balances so they are not accruing interest while the larger balance accounts in my name are being paid in installments.
Sincerely,
Nichole [redacted]

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