HCI

Mr. [redacted],We are going with the information that our client gave us and the balance of $56.50 is still due. You can pay this by contact us at 602-445-1984 or mailing your payment to [redacted].Thank you

Revdex.com:
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.I had the impression that the entire costs incurred for the October 20, 2014 visit, including all ancillary costs, such as blood work drawn that day, would have been covered under the charity fund. At the time of that visit, I had no insurance. Earlier in 2014, I was told that my COBRA had expired and so my follow-up exams with the oncologist had to be postponed. However, my oncologist was concerned that I had not seen her for quite some time, so the arrangement was for the charity fund to cover only the October 20, 2014 visit which included blood work. After all that is how an oncologist understands what stage the cancer is in at the moment of the exam.As I have stated in prior correspondence, I paid the additional amount asked of me at the [redacted] because on the date of that visit which was in May 2015, I understood that the $56.50 had to be paid as well as my copayment, otherwise I would not have been able to have my pre-surgical tests. This is to the best of my recollection. As of the date of this letter, I am on a fixed income and paying the amount, even as small as it may seem, will have a deleterious effect.
Regards,
[redacted]

Ms. [redacted]
We have closed and returned this account to the original creditor. We will also report this account as a deletion to all three credit bureaus.
 
Thank you
[redacted]

Revdex.com:
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.You have not provided any proof of validation upon my previous written requests or here that you are authorized to collect on any debt yet you still continue to report on my credit reports. I do not accept this as proof nor do I accept the statement that asserts I have paid someone else for this alleged debt. Without validation you are in violation by reporting anything my credit reports, whether it states paid or unpaid.
Regards,
[redacted]

Mr. [redacted],Per the [redacted], requesting that we cease and desist has certain responsibilities and, to our knowledge, deleting from your credit is not one of them. For further explanation please go to [redacted] Thank you

*** ***,We cannot confirm with our client, *** *** ***, that you and the insurance made payments to bring your balance to $0.00. Since this is the case we are closing this account in our office andwill report that this trade line be deleted from your credit at end of this month. Thank you,*** ***

Our office only has record of one communication with the complainant, which occurred on 4/14/2014. He left a message on our office voicemail, requesting a call back at the number he provided in the complaint. Our staff attempted to reach him by phone on 4/14/14 at 10:18 a.m. Our phone call was not...

answered.The complainant did state in his voicemail that he had insurance coverage for his date of service. However, the timely filing limit for this account was three (3) months after the date of service. Per our notes and the original creditors notes, the complainant did not provide insurance information prior to the expiration of the three month filing limit.Per the original creditor's notes, the complainant did not present insurance information on the date of service, and was told that his account was considered a self-pay account until his insurance information was provided. The original creditor called the complainant on 8/6/12 to ask him to apply for [redacted], since he did not present valid insurance information at the time of his visit. The notes state that the complainant refused to apply. The original creditor spoke with the complainant again on 10/17/12 to advise him of his balance. The complainant stated that he would call back with his insurance information. The original creditor has no record of the complainant calling back prior to the account being placed for collections with our office on 12/27/12.If the complainant has record of providing his insurance information to the original creditor prior to the expiration of the three (3) month filing limit, he can provide it to us directly at HCI, [redacted], or via fax at ###-###-####.

We reviewed our system and the number was removed from the account in question on 3/3/15. We also did a search and there are no other accounts in our system with the phone number in question.Thank you[redacted].

Tell us why here
Ms. [redacted]
We validated the account through the credit bureau with the information you provided in your 11/13/2015 dispute to [redacted] One of the addresses you listed in the dispute, the social security number, and your date of birth matched the information we had on file for this account. Furthermore, we sent you an itemized statement at your request in February of 2012. This account will not be deleted from your credit. But if you choose to pay your debt we will report it as a paid account to the credit bureaus.
Thank you
Mac J[redacted]

Mr. [redacted],We have no record of you contacting our office on March 15, 2015. That was a Sunday and our office was closed. Now that you have brought to my attention that you would like validation from our client on accounts [redacted] I am able to request this from the original creditor and will mail...

it to you at the address you provide when we receive it. If you have any questions please contact us at ###-###-####.Thank you[redacted]

Revdex.com:
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.
Regards,
[redacted]
 The business HCI needs to take responsibility to verify debts before inputting them into their collection system for collection purposes.  Media is provided by companies in order to verify debts.  If they have not, that is the problem of the collection agency not the agency who made the original mistake to begin with.  I considered this matter as closed and the collection company to be a joke.

Revdex.com:
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.I am not asking for "validation."  Read my original complaint CAREFULLY (make sure you understand legal terms).  Then, proceed with caution.  Anything you say and do during this process can and will be used against you in a court of law.
Regards,
[redacted]

Ms.[redacted]Our file with your deletion was submitted to the credit bureaus and again it can take them up to 30 days to update their records. Thanks

Revdex.com:
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.I did ask to Healthcare Collections, LLC to validate this alleged debt, so, please see attached debt validation letter as proof. Weather it was mailed on the weekend or not the law considered it mailed and delivered(Texas Common Law), so that point was moot. If it mailed or arrived on Sunday, do they check their mail the following Monday????Anywho, the date it was mailed is 03/14/2015, so that is proof that I asked for debt validation and that haven't as of yet, further violating Texas Finance Code 392.101 and the FDCPA. If it is not removed immediately I will take swift action to the Consumer Financial Protectin Bureau along with legal action.
Regards,
[redacted]

We are in receipt of the complaint made by [redacted] W [redacted]. It appears that Mr. [redacted] is making two specific complaints. First, he is alleging that our staff spoke to him in an inappropriate manner during a phone call. Per our records, we have had one phone contact with Mr. [redacted] on the two accounts...

listed in the complaint. The phone contact occurred on 8/17/09, and our records do not reflect that our staff acted or spoke in an inappropriate way. If Mr. [redacted] has specific information as to when our staff treated him inappropriately on the phone (Date/Time/Name of the collector), we would ask him to provide us with that information so that we could further investigate his claims.
The second complaint is that the amounts due on the two accounts listed are incorrect. Our office has requested that our clients re-review the accounts in question to again validate the debts. Our office has already performed validation on these two accounts when Mr. [redacted] disputed them with the credit bureaus. However, we will be happy to take that step again, as well as mail Mr. [redacted] an itemized statement of the two accounts. If our clients are not able to re-validate the accounts, we will return the accounts to the client(s) and remove the item from his credit report.
The re-validation of the debts has been requested, and upon completion our office will mail the itemized statements directly to Mr. [redacted].

Revdex.com:
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.
Regards,
[redacted]
This company was horrible. There so called manger was the worst, he broke several FDCPA laws at which Ia m having an attorney look into, I just want other consumers to know and there clients what a horrible company this is.

We received your written request for validation on 4/3/2015. We then sent the information to our client asking for validation of your debt. At this time we are still waiting on our client's response. Once the validation is received we will forward you that information. The client did report to us on 4/15/2015 that you had paid the account in full online. The balance is our office is currently $0.00.Thank you[redacted]

Mr. [redacted],Per the [redacted], requesting that we cease and desist has certain responsibilities and, to our knowledge, deleting from your credit is not one of them. For further explanation please go to [redacted] Thank you

[redacted],We cannot confirm with our client, [redacted], that you and the insurance made payments to bring your balance to $0.00. Since this is the case we are closing this account in our office andwill report that this trade line be deleted from your...

credit at end of this month. Thank you,[redacted]

I filed a complaint with Revdex.com on Healthcare Collections in Phoenix. Filing did not resolve the issue. Only after repeated requests to hospital to convey information about incorrect billing to this collection agency was the issue resolved. HCI did nothing with Revdex.com complaint or my dispute with them. They should correct errors IMMEDIATELY, not when they feel like it and then lie about it by saying they've corrected an issue.