GSI Recovery LLC

This is being written in response to the "additional" concerns the customer hasGSI is a collections agencyMs [redacted] does not "do business' with GSIA person has their account assigned to a collection agency when there is a non-payment of an accountThe customer signs paperwork prior to the administration of any medical services that their account is subject to placement with a collection agency or attorney if their accounts are not paid in fullBy signing these documents prior to her procedure on June 23, 2015, she acknowledged she would be financially responsible for her account and further acknowledged that outside companies (medical billing companies, collection agencies, etc) would receive information about her account(s) that were not paid in fullMs [redacted] 's account had a balance due as the co-insurance amounts due per HER insurance companyStatements were mailed to Ms [redacted] by our client advising her of the balance due and that her account was subject to placement with a collection agency if the amount due was not paid in fullOur first letter, sent to Ms [redacted] on December 15, 2015, advised her of her FDCPA rights and obligationsWe understand that Ms [redacted] may be disappointed that her failure to resolve her financial obligations with our client caused her account to be placed with our office for collections as a result of a co-insurance payment required by her person insurance carrierHowever, requests for any paperwork regarding her obligations should be directed to [redacted] as they are still the owner of the account and the dissemination of that type of paperwork must come from the medical provider as they maintain all documentation pursuant to HIPAA regulations

On or about December 14, 2015, we received an account for collection activity on amounts owed from Ms*** from our client, *** *** *** On December 15, 2015, our initial letter, indicating all of Ms***'s rights pursuant to the Fair Debt Collection Practices Act, was
mailed to Ms*** to her mail address at the timeA second letter was mailed to her on February 29, 2016, and a third letter was mailed to Ms*** on April 26, We did not receive a response from Ms*** to any of these noticesAs a result of her non-payment of this account, same was reported to *** as a delinquent item on May 2, On May 31, 2016, she disputed this item on her credit report, claiming this balance was incorrect, at which time, we mailed a copy of her statement of account indicating the balance due was still owing and that this balance was her co-insurance obligation pursuant to her person insurance agreementHowever, since she disputed this item with us, we marked this item as "disputed" with the credit bureau and researched the account ensure the balance was indeed still dueIt was, and still remains, due and owing to *** *** *** On June 22, 2017, Ms*** sent in a letter to our office via telefax, wherein she claimed she disputed the amount due and refused to pay for itWe researched the account again, confirmed again that it was still due, and reported same to *** on June 23, On July and July 11, 2017, our office received notifications from *** that Ms*** again disputed the item in questionSince the balance still remains due and owing, we responded as such to ***We understand that Ms*** may be disappointed that there is still an amount due as a result of her co-insurance payment as required by her person insurance carrierBut, contrary to Ms***'s claims, this office vehemently states that it has not committed any HIPAA violations or any violations of any kindShould you need to discuss this with us further, please do not hesitate to contact us

This is being written in response to the "additional" concerns the customer hasGSI is a collections agencyMs*** does not "do business' with GSIA person has their account assigned to a collection agency when there is a non-payment of an accountThe customer signs paperwork prior to the administration of any medical services that their account is subject to placement with a collection agency or attorney if their accounts are not paid in fullBy signing these documents prior to her procedure on June 23, 2015, she acknowledged she would be financially responsible for her account and further acknowledged that outside companies (medical billing companies, collection agencies, etc) would receive information about her account(s) that were not paid in fullMs***'s account had a balance due as the co-insurance amounts due per HER insurance companyStatements were mailed to Ms*** by our client advising her of the balance due and that her account was subject to placement with a collection agency if the amount due was not paid in fullOur first letter, sent to Ms*** on December 15, 2015, advised her of her FDCPA rights and obligationsWe understand that Ms*** may be disappointed that her failure to resolve her financial obligations with our client caused her account to be placed with our office for collections as a result of a co-insurance payment required by her person insurance carrierHowever, requests for any paperwork regarding her obligations should be directed to *** *** *** as they are still the owner of the account and the dissemination of that type of paperwork must come from the medical provider as they maintain all documentation pursuant to HIPAA regulations

On or about December 14, 2015, we received an account for collection activity on amounts owed from Ms*** from our client, *** *** ***? On December 15, 2015, our initial letter, indicating all of Ms***'s rights pursuant to the Fair Debt Collection Practices Act, was
mailed to Ms*** to her mail address at the timeA second letter was mailed to her on February 29, 2016, and a third letter was mailed to Ms*** on April 26, We did not receive a response from Ms*** to any of these noticesAs a result of her non-payment of this account, same was reported to ***? as a delinquent item on May 2, On May 31, 2016, she disputed this item on her credit report, claiming this balance was incorrect, at which time, we mailed a copy of her statement of account indicating the balance due was still owing and that this balance was her co-insurance obligation pursuant to her person insurance agreementHowever, since she disputed this item with us, we marked this item as "disputed" with the credit bureau and researched the account ensure the balance was indeed still dueIt was, and still remains, due and owing to *** *** ***? On June 22, 2017, Ms*** sent in a letter to our office via telefax, wherein she claimed she disputed the amount due and refused to pay for itWe researched the account again, confirmed again that it was still due, and reported same to ***? on June 23, On July and July 11, 2017, our office received notifications from ***? that Ms*** again disputed the item in questionSince the balance still remains due and owing, we responded as such to ***We understand that Ms*** may be disappointed that there is still an amount due as a result of her co-insurance payment as required by her person insurance carrierBut, contrary to Ms***'s claims, this office vehemently states that it has not committed any HIPAA violations or any violations of any kindShould you need to discuss this with us further, please do not hesitate to contact us

? I have never done business with this companyI have asked them to Validate that I have done business with themthrough the fair debt collection practices act it states that the dispute must be validated.? I'm not asking for verification of the account but VALIDATION made pursuant to the FDCPA lawsI humbly request that GSI send me valid proof that I am legally obligated to pay GSIAlong with copies of any documents that prove I agreed to pay the alleged amount.? ? ? Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]

I have never done business with this company. I have asked them to Validate that I have done business with them. through the fair debt collection practices act 15. it states that the dispute must be validated.  I'm not asking for verification of the account but VALIDATION made pursuant to the FDCPA laws. I humbly request that GSI send me valid proof that I am legally obligated to pay GSI. Along with copies of any documents that prove I agreed to pay the alleged amount.   Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]

This is being written in response to the "additional" concerns the customer has. GSI is a collections agency. Ms. [redacted] does not "do business' with GSI. A person has their account assigned to a collection agency when there is a non-payment of an account. The customer signs paperwork prior to the administration of any medical services that their account is subject to placement with a collection agency or attorney if their accounts are not paid in full. By signing these documents prior to her procedure on June 23, 2015, she acknowledged she would be financially responsible for her account and further acknowledged that outside companies (medical billing companies, collection agencies, etc) would receive information about her account(s) that were not paid in full. Ms. [redacted]'s account had a balance due as the co-insurance amounts due per HER insurance company. Statements were mailed to Ms. [redacted] by our client advising her of the balance due and that her account was subject to placement with a collection agency if the amount due was not paid in full. Our first letter, sent to Ms. [redacted] on December 15, 2015, advised her of her FDCPA rights and obligations. We understand that Ms. [redacted] may be disappointed that her failure to resolve her financial obligations with our client caused her account to be placed with our office for collections as a result of a co-insurance payment required by her person insurance carrier. However, requests for any paperwork regarding her obligations should be directed to [redacted] as they are still the owner of the account and the dissemination of that type of paperwork must come from the medical provider as they maintain all documentation pursuant to HIPAA regulations.