J & L Teamworks

We have reviewed the consumers complaint and we apologize for any confusion. In regards to what the services are for, our office is an accounts receivable organization and our collectors are provided limited information due to the HIPAA laws. However, we have previously sent an
itemization of the services that were originally assigned and can certainly send an updated itemization from our client to provide more description as to what the charges are for. Additionally, we have no control over when our client assigns new accounts and this will effect the balance of the consumers accounts with us. We have recently undergone a migration with our client in which they updated the way they assign accounts and this has caused the account numbers in our system to change. We will send the consumer a full detail of the accounts assigned in order for them to review what is in our office. Should the client assign additional accounts after this mailing, the consumer may contact us to request itemization for those new accounts

The information provided by your consumer report is beyond our control. We have updated your account as paid in full when you submitted a dispute through the credit reporting agency on April 17, 2017. The account was updated as paid in full. Please not that consumer reporting
agencies may take up to business days to reflect the updated information and again this is beyond our control. Thank you

Our records do not show any information was released, additionally the message that was left was in November of however we are only now being contacted by the consumer. Calls are monitored and recorded and we have never advised deletion would be initiated if paid, it was advised that had we found an error on our part or that we had received indication such as mail return on our notices, that we would request deletion. We have not received a certified letter requesting any details, but if it is on its way we will surely respond to it once received. I have only received a direct dispute through Experian as of 3-15-and am pending the information to respond to such dispute which is due April

Revdex.com:
I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me

Balance paid in full 10/21/Please remove account from credit file

This account was assigned to us on 04-13-On 07-10-we made contact and advised him of the billWe went over the bill and he said he would pay the bill in two monthly paymentsWe made many attempts to contact him after thatWe also sent him a letter advising we were going to report
this to his credit report on 08-19-There was never any mention of any dispute for his accountWe even received and email yesterday stating he would pay this bill if we took it off of his credit reportNow that we have been notified of his dispute we will update his credit report as disputed and send him verification of this debt

This place is a *** jokeThey blow up your phone wanting a payment, and when you finally try to call them back there's no answerI spent the last hours calling both numbers repeatedly (mind you, I'm calling DURING the business hours) and no one knows how to pick up the phoneFunny, you would think if they want to collect their money they would answer the phone

I apologize for the delayWe were attempting to contact Ms***As a courtesy we have resolved this to the satisfaction of the consumerThanks for your assistance

I am rejecting this response because:My relative told me they spoke to her directly and shared with her the bill and the collection issue which is a direct violationIn addition, when I spoke to your supervisor they confirmed they did this and told me they would do a pay for delete if my address on file was not accurateBoth are violations on the Fair Credit ActI do have a certified letter I sent J & L requesting more information and provided my address nothing have been received yet

This account was assigned to us on 04-13-On 07-10-we made contact and advised him of the billWe went over the bill and he said he would pay the bill in two monthly paymentsWe made many attempts to contact him after thatWe also sent him a letter advising we were going to
report this to his credit report on 08-19-There was never any mention of any dispute for his accountWe even received and email yesterday stating he would pay this bill if we took it off of his credit reportNow that we have been notified of his dispute we will update his credit report as disputed and send him verification of this debt

This bill is valid and was applied to their deductable, the patient's insurance Aetna will be able to verify thisI spoke to the patient on 11-25-and advised it was her deductable and offered an interest free payment plan to help themShe told me she did not want anymore calls and would talk to
her husband and call backWe have ceased all contact with patient per her request and have not made any calls to her since that time

In review of the account we have found no violations as indicated within the consumer complaint. The details of the account have never been disclosed to a relative as mentioned, only a message was left in November of 2013. The consumer has not sent in any written request for verification
nor requested verbally for this information. The consumer was asked recently if they would like more information on the bill such as an itemization from our client but advised no as they do not wish to provide or verify the address in which to send it. The consumer has requested removal of the debt if they make payment, however this is a violation of the FCRA and company policy as we do not delete reporting as an attempt to receive payment. The consumer was sent notices regarding the assigned debt and our office did not receive any mail return advising that they did not receive itWe will gladly provide the details of the debt to the consumer and send them to the address provided to the Revdex.com

We only have account number *** in our officeAll other accounts have been canceled back to the original creditorAccording to the hospital's notes, no payment arrangement was madeThey did receive payments of dollars and one payment of dollars in They did not assign
the account to us until 06-11-We will be glad to assist *** in a payment arrangementOur records indicate the hospital is not attempting to collect on thisIt has been assigned to us to handleThank you

We apologize that you do not accept our response, however we have done our duty to provide the details of the account to you all in compliance with the FDCPA and FCRA.  Notifications were sent to you by our client prior to assignment and an explanation of benefits would have been sent to you by your health carrier prior to assignment.  After receiving the account in our office we made several attempts to contact you by phone and in addition sent the required notifications.  We did not disclose any details regarding the assignment with a relative as you mention, again only a message was left in November 2013 in which we did not hear back from you at that time.  Our office will, upon receipt of payment and the close of the account, update your report as paid in full.  At which time we can also send a paid in full notice to you.  As stated prior we do not practice credit bartering which is removing a reported credit line in exchange for payment.

I am rejecting this response because: this information is no accurate I had several calls with employees at your companies I suggest you review the recorded lines where they disclosed my previous comments which are against guidelines and regulations. I ask that you provide a positive resolution for all.

I am rejecting this response...

because: I have two people from my work who have each received a call from J&L this month alone. One of which had written down each time they had called in one day, which borders on harrassment. To say they will not call my place of business any more is great, but that simply does not change the fact that I have still been harrassed and due to that I received harsh talks from my management because they continued to hold up the business line that day with their constant calling.

Our office has reviewed the consumers dispute and verified that our listings are accurate on the consumer report.  The review shows that proper notification was sent regarding the accounts.  The debts are not purchased but assigned to us from the original creditor.  The balances...

assigned were sent to us as self pay amounts and our office has never received any insurance coverage information.   At this time we have requested and will be sending an itemization of the charges for the consumers review.  The accounts have been documented as disputed and have previously been marked as disputed on the consumer report.

I am rejecting this response because:You are illegally reporting I was in cH 13 bankruptcy and not even discharged during the time you are reporting please see case # [redacted] [redacted] from 2010-2016 your not able to report this as derogatory or on my credit. Please rectify.

We had sent Mr. [redacted] a letter and were hoping to get a response so we could work together to clear this up. We are on notice to not make any phone calls to Mr. [redacted]. I would also like to state that all accusations are with out merit and J&L Teamwork's denies any violations. It is our goal to...

create a win - win scenario for the consumer and our client. If he would like to contact me directly I will be more than happy to assist him in resolving this matter.

As a courtesy we will remove this account from the credit report. We will send a deletion letter out in the mail.