FirstPoint, Inc.

The account we still show open in our office was for date of service 05/11/16. We show her filing was 05/05/16 which means this account would not have been included. We would need something from the court showing this date of service was included.

This account was paid in full to our office today. I have requested the account be deleted from the credit file due to the fact that the address was different than what was sent by the client. The consumer had made payments to our client before paying the account off so she was aware the balance was...

due.Please let us know if you have any further questions.

Initial Business Response /* (1000, 6, 2016/04/19) */
Debt validation is being mailed out to Ms. [redacted] today so she can review the charges.
Initial Consumer Rebuttal /* (3000, 8, 2016/04/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have received the...

requested document for review. I will be in contact with the collection agency to discuss.

Initial Business Response /* (1000, 6, 2016/04/29) */
A letter has been mailed out today to Ms. [redacted] with confirmation that her accounts are paid in full, collection efforts halted and accounts were not reported to the credit file.
Initial Consumer Rebuttal /* (3000, 8, 2016/05/06) */
(The...

consumer indicated he/she DID NOT accept the response from the business.)
The letter received did not contain an acknowledgement that their collection efforts were erroneous nor was there an apology for the "guilty until proven innocent" attitude experienced when I notified them that the account had previously been paid in full. Their absolute refusal to make any effort to verify with their client that the account had been paid in full and their dogged determination to place the burden of proof solely upon me demands an apology! I was not at fault in this matter and to have my excellent credit standing threatened by this company over an account that I had paid in full in a timely manner without an apology is an outrage!

Initial Business Response /* (1000, 5, 2016/08/25) */
Mailed validation of debt to Mr. [redacted] with signature from client. Also verified with client the bankruptcy was filed 02/26/16 and these debts were incurred until 04/06/16. Accounts were not included in bankruptcy. Also, the accounts have not...

been reported to the credit file, they just came in our office August 9th and 11th.
Initial Consumer Rebuttal /* (3000, 7, 2016/08/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This company has violated the FDCPA and Bankruptcy code, they a are prohibited from collecting fees after the discharge. Their admission itself is a violation. They have access to my private information and I fear they will continue to use unfair business practices and misuse my info.
My demand is that you respond in damages

Initial Business Response /* (1000, 5, 2016/05/10) */
After careful review of the account and Ms. [redacted]'s dispute we have removed this account from her credit file. Notification was sent to Equifax today. A letter of confirmation is being sent today.
Initial Consumer Rebuttal /* (2000, 7,...

2016/05/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)
thank you for answering in a timely manner. and it is very appreciated that the problem is resolved. please notify all credit bureaus equifax, experian, and transunion. everyone have a terrific day. and many thanks to the Revdex.com bireau.

Initial Business Response /* (1000, 5, 2016/12/14) */
There are no collection accounts in Ms. [redacted] name at FirstPoint. I searched on her phone number and did find it associated with another consumer. I have removed her number and added to our do not call list.

I am rejecting this response because:
The...

court date for the meeting of creditors was on May 30th in which ALL of my creditors was notified and had 60 days to respond before discharge. My bankruptcy was not officially discharged until August 25th 2016 which means the creditor was notified during that time period.

We have requested the signature documents from our client. We are asking for an extension of 30 days in order to send the completed validation to you.

To whom it may concern:In response to Ms. [redacted] complaint, the collection manager reviewed the call and found the following:Both collectors identified themselves as calling from FirstPoint. The third party that answere Ms. [redacted] cell phone wanted more information which they could not supply due to...

Fair Debt Collection Practices (FDCPA) laws.When the party identifies themselves as the person we are trying to reach and verifies ID we then can discuss the account.Since she has requested to never hear from us again I have placed her account in a cease communication status. Sincerely,Angie B[redacted]Operations Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and I accept it. This business needs to be monitored what a disgusting way to handle "business".

Good Afternoon,  I found out about the debt because I was checking my Equifax credit report and seen that this debt was on there. I was a little confused because I didn't know where this came from.  Thank you.

Initial Business Response /* (1000, 7, 2016/03/23) */
We were unable obtain validation from our client, therefore we are closing this account. A letter has been mailed to Mr. [redacted] and we will notify Equifax to remove from the credit file.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and I accept it. Goodmorning, The Health Insurance Portability and Accountability Act of 1996 (HIPAA), PublicLaw 104-191, was enacted on August 21, 1996. Sections 261 through 264 of HIPAArequire the Secretary of HHS to publicize standards for the electronic exchange, privacy and security of healthinformation. I have never signed and gave permission for a third party collection agency for the medical facility to have access to access the information.

Ms. [redacted] owes 3 balances to [redacted]. These are balances are balances after insurance has paid and made adjustments. We have a Business Associates Agreement with [redacted]'s billing group and therefore we are able to share medical information. Ms. [redacted] has been provided...

validation of the debts and our position remains that she owes the debts.

This account has been disputed by the consumer several times. Validation of the debt has been mailed to the consumers address as listed. This was not for a purchase but a medical bill. The medical facility ha the same information as given by the consumer.

The account Ms. [redacted] is referencing is not past the statue of limitations. The account was turned over to us 11/8/2013 with a date of service of  05/01/2013. Accounts can be reported on the credit file for 7 years from the date of service. We have received correspondence from Ms. [redacted] in...

the past requesting that if she paid her accounts would we remove them from the credit file. Once accounts are paid we update as paid in full, since we did not agreed to her request a reply was not sent.

Our office did receive a letter from Mr. [redacted] on 05/10/17. The letter stated only that he disputed the debt and refused to pay. We sent him a letter requesting the reason why he disputed the debt and never heard back from him. We do have validation of the debt which I am mailing him today.

Ms. [redacted]'s account was turned over to our office on 06/30/17 by [redacted]. A letter was mailed out 07/12/17. Several calls have been made and messages left with no return call. I have attached an itemized bill from [redacted].

Initial Business Response /* (1000, 5, 2016/01/29) */
Mr. [redacted] never disputed the debts with our office. The only conversation we had with him was on 08/14/2015 and he stated had previously applied for charity and was going to check on that with the hospital. The collector offered a 25%...

discount if the charity was not approved. Mr. [redacted] was going to check with his bank about a loan and get back to us.
Initial Consumer Rebuttal /* (3000, 7, 2016/02/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They violated the law. They need to close the account. I am going tonthr federal trade commission and NC attorney general for relief
Final Business Response /* (4000, 9, 2016/02/02) */
FirstPoint attempted to contacted consumer three times regarding his accounts.
Attempt Results:
Attempt 1: Call resulting in leaving a message on answering machine
Attempt 2: Call resulting in leaving a message on answering machine
Attempt 3: FirstPoint rep spoke with consumer (all calls are recorded) and never stated verbally that he disputed the accounts. Consumer stated he was supposed to receive financial assistance from our client. FirstPoint advise consumer to follow up with our client regarding financial assistance and contact FirstPoint back with the results. FirstPoint rep also suggested to consumer if he couldn't get financial assistance from our client then consumer could attempt to get a personal loan to satisfy the debt(s). Consumer led FirstPoint rep to believe if he couldn't get financial assistance he would attempt to get a personal loan.
FirstPoint never received a verbal or written dispute from consumer regarding the outstanding debt(s). However, FirstPoint is requesting validation of the outstanding debt(s) from our client and will send via mail to consumer's last known address.