Financial Recoveries

Please the the response below from the businessThe payment was moved to account [redacted] on 10-6-and the credit report was requested to be updated to paid in full on 10-15-A paid in full letter was also sent to [redacted] on 10-7-for his recordIf you have any questions, I can be reached at [redacted] This communication from a debt collector is an attempt to collect a debtAny information obtained will be used for that purposeSincerely, [redacted] Collections Supervisor

This is in response to this complaintI did listen to this recording and unfortunately, the collector did respond as [redacted] said he didThis employee will be disciplined and I can assure you this will not happen againWe do not operate our business that wayAll calls should be handled in a professional manner and no one should be hung up onI will also reach out to [redacted] and apologizeThis incident should never had taken place As far as the phone calls we do not recall any issues with our phones and our business was not closed on 2/27/ She may have had to wait for the next available representativeAgain, I apologize for any inconvenience to consumerThis communication from a debt collector is an attempt to collect a debtAny information obtained will be used for that purposeThank you,Collections SupervisorFinancial Recoveries [redacted]

To Whom It May Concern: There is no online access for the consumer to see the details of their billTheir account number will show the provider of service, date of service and amount of the billTherefore, I am sending the bills in question to the consumer so they can have a copy of what they are paying for and will send an updated statement if requestedAlso, if the consumer does not want to pay their bill over the phone, they can either pay on line as long as their account is active or they can mail the payment to our officeIf they have any problems with either method they can always call our office for assistanceIf you have any questions, please feel free to call me at ###-###-####, ext***This communication from a debt collector is an attempt to collect a debtAny information obtained can be used for that purposeSincerely, Sheila M [redacted] Collections Supervisor

November 2, 2015Better Business Bureau WGreenfield Ave., Ste125West Allis, WI 53214Re: Case # [redacted] This letter is in response to the above case numberThe statute of limitations on an account is six years from date of last payment or last activity on the accountIf there is a judgment on the account, this period is extended to twenty (20) years from the date of the judgmentOnce an account is turned over for collection, typically a client will mark that account as in collection and write it off their active booksThis does not mean the account is not still owedWhen an account is turned over for collection, and a claim of payment has been made, our clients request proof of payment be suppliedIn many cases, the debtor may have open accounts not yet in collection so any payments sent directly to the client will be applied to any open balances within their officeWe request any proof of payment be sent directly to us to help identify where or if the payment was applied We strive to work with the debtors to resolve any discrepancies but in some cases, we are unable to do so without additional information from them.We strive to work with each debtor so should a debtor wish to receive a breakdown of charges we will send one to them should it be specifically requested even after the required 30-validation period has expired If a debtor has a question on an account or if they wish to send any information showing proof of payment we ask that they contact us directly at [redacted] .Thank you,*** [redacted] ManagerFinancial Recoveries, Inc

Financial Recoveries has investigated the account # [redacted] and found we have not received any communications from [redacted] ***Our records indicate that our representative has called the consumer on 7/20/and 12/17/and sent out two letters on 7/20/and 12/19/in which did not returnWe have communicated with [redacted] and he has indicated to our representative that he would get in touch with our company to make a paymentAt this time we are unable to grant his request to have the account removed from his credit file due to a balance still being owedWe have reached out to our client and requested "Validation" and are sending it to [redacted] today [redacted] may contact our office at [redacted] in able to resolve this matterThis communication from a debt collector is an attempt to collect a debtAny information obtained will be used for that purposeSincerely, Denise T [redacted] Compliance Investigation RepFinancial Recoveries [redacted] ***

I have requested that Financial Recoveries Account Number [redacted] be deleted from [redacted] ’s credit reportThere was a problem with billing her insurancePlease advise her to allow up to days for her credit report to be updatedI have also sent [redacted] a letter advising of the deletionIf she has any questions, please have her call me at [redacted] *** This communication from a debt collector is an attempt to collect a debtAny information obtained will be used for that purposeThank you,Sheila Sheila M***Collections SupervisorFinancial Recoveries [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] the bill had balance of $and I paid that thank yourobyn

This is in response to this complaint. Originally the consumer advised all bills were paidWe would need proof of payment if she feels she paid this billI will send the consumer a copy of her bill for services at *** *** *** on 12-2-for her recordsHer insurance paid this bill and left the balance of $as her coinsuranceIf she feels she is not responsible for this balance, again, we need an explanation of benefits from ***Until we receive either proof of payment or proof she is not responsible for this balance the balance cannot be adjusted and she is responsible. Hopefully, this information will be provided shortly, so this account can be resolvedI have changed the credit reporting flag on this account so it should not report to her credit reportHowever, if it does and there was an error on our part this account will be deleted from her credit report. This communication from a debt collector is an attempt to collect a debtAny information obtained will be used for that purpose. Respectfully, Sheila M***Collections SupervisorFinancial Recoveries*** *** ***
*** ***

The balance of $is the consumer’s coinsuranceIf she feels she is not responsible for this balance, we need an Explanation of Benefits from *** showing there is no patient responsibilityThe Explanation of Benefits will show the total charges, what her insurance covered and any
deductible or coinsurance and is definitely needed to resolve this account.Once this is received, we will adjust her balance accordingly. We received this account in collections on 3-21-I am not sure why we just recently received this account. We do not have any information in regards to a refund that was to be sent in the amount of $ If you have any questions, please feel free to call me. This communication from a debt collector is an attempt to collect a debtAny information obtained will be used for that purpose. Sincerely,Collections SupervisorFinancial Recoveries*** *** ***
*** ***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

Complaint: [redacted]
I am rejecting this response because: I refuse to pay until [redacted] can provide me with detailed information of what occurred. I have also filed a Revdex.com complaint with them. It was filed the same time that this one was.  I dont feel that that my credit should be ruined /negatively impacted as they have not provided me with a response yet. please contact the. To determine when they will be providing me with a response.
Regards,
[redacted]

Please the the response below from the business. The payment was moved to account [redacted] on 10-6-15 and the credit report was requested to be updated to paid in full on 10-15-15. A paid in full letter was also sent to [redacted] on 10-7-15 for his record. If you have...

any questions, I can be reached at [redacted]. This communication from a debt collector is an attempt to collect a debt. Any information obtained will be used for that purpose. Sincerely, [redacted] Collections Supervisor

I have requested that Financial Recoveries Account Number [redacted] be deleted from [redacted]’s credit report. There was a problem with billing her insurance. Please advise her to allow up to 30 days for her credit report to be updated. I have also sent [redacted] a letter advising of the...

deletion. If she has any questions, please have her call me at [redacted] This communication from a debt collector is an attempt to collect a debt. Any information obtained will be used for that purpose. Thank you,Sheila Sheila M[redacted]Collections SupervisorFinancial Recoveries[redacted]

Financial Recoveries has investigated the account #[redacted] and found we have not received any communications from [redacted]. Our records indicate that our representative has called the consumer on 7/20/12 and 12/17/12 and sent out two letters on 7/20/12 and 12/19/12 in which  did...

not return. We have communicated with [redacted] and he has indicated to our representative that he would get in touch with our company to make a payment. At this time we are unable to grant his request to have the account removed from his credit file due to a balance still being owed. We have reached out to our client and requested "Validation" and are sending it to [redacted] today. [redacted] may contact our office at [redacted] in able to resolve this matter. This communication from a debt collector is an attempt to collect a debt. Any information obtained will be used for that purpose. Sincerely, Denise T[redacted]Compliance Investigation RepFinancial Recoveries[redacted]
[redacted]
[redacted]

I have requested that accounts [redacted] & [redacted] be deleted from [redacted] credit report. She was not made aware that the accounts will still be reported if they were not paid in full within 45 days. I have also requested a letter be sent to [redacted] advising accounts requested to...

be deleted from her credit report. She should allow 10 to 14 days. Any problems, she can give me a call at ###-###-####, ext. [redacted]. This communication from a debt collector is an attempt to collect a debt. Any information obtained will be used for that purpose. Thank you, [redacted]
Sent on: 10/22/2014 1:28:39 PM

To Whom It May Concern: There is no online access for the consumer to see the details of their bill. Their account number will show the provider of service, date of service and amount of the bill. Therefore, I am sending the bills in question to the consumer so they can have a copy of what they are...

paying for and will send an updated statement if requested. Also, if the consumer does not want to pay their bill over the phone, they can either pay on line as long as their account is active or they can mail the payment to our office. If they have any problems with either method they can always call our office for assistance. If you have any questions, please feel free to call me at ###-###-####, ext. [redacted]. This communication from a debt collector is an attempt to collect a debt. Any information obtained can be used for that purpose. Sincerely, Sheila M[redacted] Collections Supervisor

This is in response to this complaint. I did listen to this recording and unfortunately, the collector did respond as [redacted] said he did. This employee will be disciplined and I can assure you this will not happen again. We do not operate our business that way. All calls should be handled...

in a professional manner and no one should be hung up on. I will also reach out to [redacted] and apologize. This incident should never had taken place.  As far as the phone calls we do not recall any issues with our phones and our business was not closed on 2/27/17.  She may have had to wait for the next available representative. Again, I apologize for any inconvenience to consumer. This communication from a debt collector is an attempt to collect a debt. Any information obtained will be used for that purpose. Thank you,Collections SupervisorFinancial Recoveries[redacted]
[redacted]

Review: I allegedly have an account in collection with this company since 2007. The hospital, [redacted], HAS NO RECORD OF THE TRANSACTION. The company has NEVER contacted me with regards to this alleged debt, even though I or my parents have lived at this address since 2000. I have tried repeatedly to find the name and contact information of the company, or to even find an account number, and could only find it TODAY for a debt allegedly arising in 2007. The email address on their website is INVALID. Every attempt to contact the company is INVALID. I know NOTHING of this debt, they never wrote to me, the hospital has NO RECORD OF IT, and they are ruining my credit. Lately, it shows that I am not making payments on the account. I HAVE NO ACCOUNT. I DO NOT KNOW WHO THIS COMPANY IS. They're hurting my credit score, and I am infuriated by their complete lack of professional responsibility. NO ATTEMPT TO CONTACT THEIR ORGANIZATION HAS LEAD TO A RESPONSIBLE OUTCOME OR RESPONSE.Desired Settlement: REMOVE THIS 2007 ITEM FROM MY CREDIT REPORT. YOU NEVER CONTACTED ME. THE HOSPITAL HAS NO CONTACTED ME. MY INSURANCE PAID OUT THE CLAIM. STOP RUINING MY LIFE.

Business

Response:

Response:

Dear [redacted], 11-27-07 We received a fax from [redacted] giving us an address change along with insurance information. 12-19-07 Received our letter back with copy of insurance card attached. 05-15-08 Billed [redacted]. 07-23-08 Insurance denied Coordination of Benefit issue. Several calls made, not able to reach [redacted]. 04-14-14 We received dispute and credit report was marked dispute. As you can see, we were contacted by [redacted] in reference to this account and she was aware of this debt. [redacted] reflects a zero balance because we both cannot collect on the same debt. However, we have requested that this account be deleted from [redacted] credit report and a letter will be sent to her advising this. If you have any questions, please call ###-###-####, ext.[redacted]. This communication from a debt collector is an attempt to collect a debt. Any information obtained will be used for that purpose. Sincerely [redacted] Collections Supervisor

Sent on: 6/18/2014 7:06:53 PM

Sent by: [redacted]

Consumer

Response:

Review: [redacted]

I am rejecting this response because: I was made aware of this in 2014 because it showed up aaas a detriment on my credit report, NOT DUE TO ANY CONTACT FROM YOU. I do not know how you allegedly attempted to reach me but this needs to be resolved. I had insurance at that time. I always have insurance. This is ridiculous. I still live AT THE SAME ADDRESS, another letter could have be sent before you ruined my credit.

Regards,

Review: I was making payments to [redacted] for a debt that was owed for a surgery. I missed a few payments because I was in the midst of moving from Wilmington, De to Bakersfield, CA and my husband asked to help out and send out payments for our bills and forgot that this payment was pay by phone. Once we got settled in I called [redacted] to make a payment and they told me to contact [redacted], so I did. When I contacted them and told them I can mail out a payment after August 15th because I have no money left over from my check on August 1st and asked that they not post it to my credit report because I have been working on my credit to purchase a home their CSR [redacted] said that it was fine to go ahead and send the payment. I then got an email update on 8/16/14 from my account with [redacted] and it was posted to my account. I called and left 2 messages and I still have not received a call back or a message. I have sent in my payments; one was sent in August (Money order# [redacted] which was cashed by them on 9/2/14) and one was in September (Money order#[redacted] cashed by them on 10/2/14). I am just making ends meet with my husband being laid off and I am the only source of income in the household.Desired Settlement: I would like for them to remove it from my credit report. They have posted 2 failures to pay on my credit report; my credit score has now dropped down from a 716 to a 591. I will make payments each month I just need someone to contact me to get this off of my account as soon as possible.

Business

Response:

I have requested that accounts [redacted] & [redacted] be deleted from [redacted] credit report. She was not made aware that the accounts will still be reported if they were not paid in full within 45 days. I have also requested a letter be sent to [redacted] advising accounts requested to be deleted from her credit report. She should allow 10 to 14 days. Any problems, she can give me a call at ###-###-####, ext. [redacted]. This communication from a debt collector is an attempt to collect a debt. Any information obtained will be used for that purpose. Thank you, [redacted]

Sent on: 10/22/2014 1:28:39 PM

Review: On 6/4/2015 I set up to pay account# [redacted] Finrec Acct# [redacted] confirmation number. The agency did not apply the funds to this account but to another that they also have. This was agreed to clear this account from the credit report as satisfied. They admitted they applied it to a different account evev though the account number was specified.Desired Settlement: I would like the monies applied to the account it was supposed to go to and clear this account as paid in full.

Business

Response:

Please the the response below from the business. The payment was moved to account [redacted] on 10-6-15 and the credit report was requested to be updated to paid in full on 10-15-15. A paid in full letter was also sent to [redacted] on 10-7-15 for his record. If you have any questions, I can be reached at [redacted]. This communication from a debt collector is an attempt to collect a debt. Any information obtained will be used for that purpose. Sincerely, [redacted] Collections Supervisor

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

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

Regards,