HCI

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]

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,

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,

Mr. [redacted]Due to the balance of your bill, we require a higher monthly payment than you are currently sending for us to send you a monthly statement. The minimum amount we would require for you to pay on this is $175.00 a month. In your case however, we will make an exception and send you...

a monthly bill after each of your payments. We have requested a letter to be mailed out to you today coinciding with your payment on 4/27/2015. If for some reason you do not receive a letter after you make your May payment please contact me directly at ###-###-#### and I will make sure one is mailed.Thank you

In response to the complaints listed, as well as the desired settlement, our response is as follows:

HCI does follow the [redacted]. Complainant asserts that HCI did not verify that the bill was a valid debt. Complainant did not dispute the debt on our initial verbal communication with him...

on 6/25/14. During our next verbal communication on 6/27/14, the complainant stated that the ** should have paid this and for us cease communication with him. Our review of the account at the time shows that our client billed the **, and the response back from the ** was that they could not identify the patient. Therefore, they denied the claim. We received a call from the wife of the complainant on 7/18/14 where she stated that she wanted to provide us with the "correct address" for the ** to be billed at. We informed her that we had been directed to cease and desist all communication on this account, and asked if she would like to lift that restriction. She stated that she would send a letter to us instead. This complaint is the first correspondence that we have received from the complainant.

Regarding the harassment claim, Our office called the complainant once on 6/25/14, and we spoke with him. We called the complainant on 6/27/14 and did not get an answer. We called back on 6/27/14 and spoke with the complainant. We then received an inbound call from the wife of the complainant on 7/18/14. We strongly disagree that calling the complainant back once after not getting an answer is harassment. 

We have requested that our client review the account and re-bill the **, per the complainant's request. The account is on hold and will not be credit reported until the client informs us of the results of their review and re-billing. If the complainant wishes to have us contact him regarding the results of that review, I would request that the complainant revoke his request to have our office cease and desist communicating with him.

I have been working with Mac J here at HCI collections for over 6 months getting my

Collection accounts taken care of. He was very helpful and goes out of his way to make the "collection" process and good as it gets.

Mr. [redacted],Once we received your complaint, we checked with the original creditor on your balance.  Total charges for your 10/20/2014 date of service were $1,068.45, there was an adjustment taken on the account for $935.14 leaving a balance due as of 12/26/2014 of...

$133.31. You then made a payment on 6/16/2015 of $76.81 leaving a balance of $56.50. This information came from our client on 8/17/2015. We are sorry that you somehow received incorrect information on the balance due, but again at this time the original creditor is showing the $56.50 still due on your account.Thank you[redacted]

We stand by the chronology of events presented in our first response. We have provided the complainant's response to our response to the original creditor for their review. Once a decision has been made by the original creditor on what course of action they want to take, we will provide it to the complainant. If he would like to speak to me directly, he can reach me at ###-###-####.Cordially,[redacted]

Had to track down my debt to this agency. They were so friendly and fast!

[redacted],We validated this debt with an itemized statement and signed condition of admittance on 3/22/2010. We have also reported this account to the credit bureaus as a disputed account. Thank you

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,

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].

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]

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,

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.This response is filled with blatant lies. I did leave them a voicemail the day I received their letter in the mail and once again provided the insurance information and requested a call back.As far as their "attempt to call me back" on 4/14/14 at 10:18AM, this is a blatant lie. I have attached my call history covering 4/14/14 and there is NO CALL from them. Also, do they not leave voicemails? They didn't call. Plain and simple.As far as presenting my insurance information on the date of service, I have a witness who drove me to [redacted]'s location, helped me check in and assisted me with the forms. He witnessed me provide my insurance information to the receptionist and she actually handed him back the 2 cards because I had already been taken back I had to meet with him after my discharge to get my insurance cards back. His name is [redacted] and his phone number is ###-###-####. Please feel free to contact him to verify this information.As far as the calls made from [redacted] on 8/6/12 and 10/17/12, I provided the insurance information again along with the card number for my flexible spending account both times. There was absolutely NO MENTION of [redacted] and to suggest there was is absolutely ridiculous. I make well over 6 figures and have some of the best health coverage available. According to the man who called from [redacted], I would hear back from them if any additional information was needed. I BEG you to PLEASE review their call recordings to verify this. It's obvious these companies are lying to try and cover their mistake, which could have so easily been fixed. I have provided my insurance and billing information 3 times now and they can't get it straight. I have attached copies of my insurance card and the HSA account card that they should have on record.If they do not get this straightened out and correct the erroneous credit report entry immediately, I will retain counsel and file suit for damages. I will have their call records subpoenaed and will have no problem producing a witness ([redacted])who will testify that I gave my insurance information at the time of service. Due to my profession, I am required to maintain spotless credit history. Their error could potentially cost me my position with [redacted].Regards,[redacted]

We strongly disagree with the claims made by the complainant. Again, we are unable to respond directly to the complainant as he stated that he is represented by an attorney.

This individual states that he is represented by an attorney. As such, I am required to communicate only with his attorney.

Tell us why here.Ms. [redacted],
We did receive your dispute through the credit bureaus on 11/14/2015 and responded with reaffirmation that you owe the debt on 12/6/2015. The second request was received via mail in our office on 12/21/2015, this request however was asking for...

documentation and we had been waiting for that. The documentation has been mailed to you. The second request also came within 30 days of your credit bureau dispute and we are not required to reinvestigate the dispute if your disputes are both of the same nature, which was saying that this debt is not yours. ..

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]

Ms. [redacted],
In order for you to file a dispute you must register on our website and then there is a section to contact us. The reason for the registration is so that was may identify we are giving the information to the correct person. Whether you would call in, write us a letter, or in...

your case dispute an account on our website we must identify who we are giving the information to. You are happy to call us and dispute your account at [redacted]. You may also write us a letter or register online and communicate that way. For the second part of your complaint we mailed your letter on 4/9/2016 and did not start calling you until 4/15/2016, 6 days after we mailed your letter. 
Thank you 
Mac J[redacted]