J & L Teamworks

Per his request we will no longer call his number during business hours. Would he have a preffered time for us to call? If not we would encourage him to contact our office at [redacted] to discuss this personal business matter. Thanks

We have sent Ms. [redacted] the requested information.

Review: I have been receiving almost daily harassing phone calls from this disreputable company. The calls stem from a $62.40 charge from my medical provider on 3/5/15 that has been long paid. The bill was unpaid do to a billing error on the providers part and I have rectified the situation with the provider. The medical provider no longer shows any open debt from my account. I called Jand L and offered to send them a detailed account summary from the medical provider but they refused to accept this and wanted to see a bank statement which made no sense. They do not need my banking information. They also refused to contact the medical provider directly to confirm that this bill has been previously paid.Desired Settlement: I would like to have them remove this false debt from their system and to STOP calling my house.

Business

Response:

We have contacted our client and confirmed the payment. The account is now closed as it is paid in full. Thank you.

Consumer

Response:

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

Review: The reps kept harassing me by phone and stressing me out when I was pregnant and continued to harass me through Facebook and text message. Totally illegal. I spoke to their manager and I told them to leave me alone. I contacted an attorney about this. Harassment took place for several months.Desired Settlement: I want my debt cleared that is already incorrect and I don't want to be contacted by them nor my husband.

Business

Response:

This bill is valid and was applied to their deductable, the patient's insurance Aetna will be able to verify this. I spoke to the patient on 11-25-13 and advised it was her deductable and offered an interest free payment plan to help them. She told me she did not want anymore calls and would talk to her husband and call back. We have ceased all contact with patient per her request and have not made any calls to her since that time.

Consumer

Response:

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

Review: I paid the interest off on my first payment to your company, Interest of $142.18 plus my first payment of $184.92, made in cashier check in the amount of $1,208.32 Because I am a senior on a fixed income, my payments to J&L Team works will never be in the same amount. so your statement that "per contract' my payment is $200.00 a month is incorrect. It is difficult and some months I can make a payment and other month s I can make a payment and other months I make a different amounts when I can. I do not agree with paying interest every month since on one amount, not on every amount after principal payment April payment or 2nd of 200.00Desired Settlement: So, as of June's $200.00 payment my balance due is ONLY $808.32. Interest should not be charged on any amount since it was paid off on 1st payment.

Business

Response:

This account was assigned to our office on 11-08-13 with a principal amount of 2327.10. ALL money is posted to principal first and interest would only be posted to once principal is paid. Below is the payment history since the account has been assigned.

11-22-2013 - we received a money order for 327.10

01-09-2014 - we received a money order for 300.00

03-18-14 we received check # [redacted] for 200.00 (This was returned by the bank as a NSF)

04-02-14 we received check # [redacted] for 200.00

05-05-14 we received check # [redacted] for 106.76 (This was returned by the bank as a NSF)

06-10-14 we received check # [redacted] in the amount of 200.00

With the two NSF's not included the total payments received is 1027.10. The assigned balance of 2327.10 minus the payments made leaves us with a principal balance of 1300.00. I do not show receiving a cashier's check in the amount of 1208.32. I would be happy to send the original bill if it would be helpful to the patient. I also have no problem negotiating the interest once the principal is satisfied.

Consumer

Response:

I am rejecting this response because:

I can not understand how a company can continue to charge interest on my balance due, and continue to charge interest as payments are made.

Review: This is the second time this year that I have received a bill from this collection agency. Not sure why because I have been paying on my hospital accounts when I receive my bills. I also don't know why they want to charge me interest when I have been making payments and have written to the hospital about these bills. Can more than one creditor be collecting on the same account? I have not received any calls or received letter from the hospital that this creditor was taking over my accounts.Desired Settlement: I sent them two checks now...one check per account but many months apart...

Business

Response:

We only have account number [redacted] in our office. All other accounts have been canceled back to the original creditor. According to the hospital's notes, no payment arrangement was made. They did receive 4 payments of 25 dollars and one payment of 20 dollars in 2013. They did not assign the account to us until 06-11-2014. We will be glad to assist [redacted] in a payment arrangement. Our records indicate the hospital is not attempting to collect on this. It has been assigned to us to handle. Thank you.

Consumer

Response:

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

I read the response from J&L Teamworks; however, my records show I had paid [redacted] for Covenant bill in November and December 2013. I had also sent them letters explaining to them that I could only make payments of $20.00 a month. I even spoke to someone at Covenant in billing. I got a letter in January 2014 from J&L Teamwork regarding my Covenant account. I wrote to them the same information I gave Covenant that explained that I could only make payments. I also wanted to know why did Covenant change creditors and why the creditor was wanting to charge interest on what I owed Covenant. Again I spoke with Covenant and told them I could only make payments. I never got a response again from Covenant, [redacted] or J&L Teamworks until now July 2014. I can't send in payments with out a bill. I can't pay the full amount when I don't have the money. I explained over and over about my finances in writing plus explained that my insurance premiums had gone up and that my funds were gone. I don't answer harassing calls so I only except bills and writing notifications. Than Revdex.com for helping me out.

Sincerely,

Review: J & L has called my place of business 14 times in 4 hours. My host who answered the phone told them numerous times I was not working, and yet they still continued to call. After calling 14 times, they finally called my cellphone once. My boss has assured me that whether or not I am working, they will not allow them to speak with me on the business phone.Desired Settlement: If there is a reason to get a hold of me, please do not harrass my place of business. Rather, contact me on my personal line that you have.

Business

Response:

Our phone records indicate we only made one call to Ms. [redacted]'s place on employment in the entire month of September. Now knowing she can not have cals at her place of employment the number has been removed and she will not recieve anymore call on her work number.

Consumer

Response:

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.

Review: Due to insurance and MD mistakes, the outstanding bill for my two daughters was sent to this business. Despite letters and phone responses that I dispute the bill and to not contact me, they continue to harass my family with multi-weekly phone calls.I have since spoken to the hospital where the bills were due and explained to them that the insurance company had sent payment for these services. The Hospital apologized profusely and said that there was no outstanding balance, that they would remove the items from collection, and that my account was in good standing. Despite these actions by the hospital, J & L Teamworks continues to call my home with frequent, harassing phone calls. I have already explained the situation to them and they themselves said it was taken care of. Yet, these phone calls continue.Desired Settlement: My family and I do not want to be contacted by this business and request that they speak directly with the hospital where the bills originated (as previously requested) to see that insurance has paid for everything (as I said they would). I want the matter wiped clean as resolved.

Business

Response:

The accounts have been canceled out of our office. Mr [redacted] should receive no further calls.

Review: J&L Teamworks had posted a derogatory mark on my [redacted] mortgage credit report via [redacted]; which I have never received any form of communication on until 10/8/15 via loan officer based on credit file. The credit information is wholly incorrect and is causing me to be denied a home loan. This company has never provided legitimate and complete evidence of accounts as required by FCRA law.Desired Settlement: Remove this account from the credit report and send deletion letter out in the mail.

Business

Response:

This account was assigned to us on 04-13-2009. On 07-10-2009 we made contact and advised him of the bill. We went over the bill and he said he would pay the bill in two monthly payments. We made many attempts to contact him after that. We also sent him a letter advising we were going to report this to his credit report on 08-19-2009. There was never any mention of any dispute for his account. We even received and email yesterday stating he would pay this bill if we took it off of his credit report. Now that we have been notified of his dispute we will update his credit report as disputed and send him verification of this debt.

Consumer

Response:

Balance paid in full 10/21/15. Please remove account from credit file.

Business

Response:

As a courtesy we have requested that [redacted] remove the account from Mr. [redacted]'s credit report.

Consumer

Response:

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

Review: J & L Teamwork's has been making unsolicited harassing calls to [redacted]. They refuse to identify who they are and more importantly details as to why they are calling.Desired Settlement: Kindly please have them stop calling my number their calls are never welcome.Thank you

Business

Response:

We are trying to reach Mr. [redacted] to discuss a personal business matter. We always identify ourselves but can not go into any detail unless we verify we are talking to the correct person. As a courtesy we will cease calls to his number but would encourage him to call us at [redacted]. Thank you.

Review: Multiple Fair Debt Collections Practices Act (FDCPA) violations that have taken place by J & L Teamworks which are listed below, also did 3 HARD INQUIRIES IN ! YEAR:FDCPA [15 USC 1692f] 808(1)-The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.FDCPA [15 USC 1692d] 806(2)-The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.-J & L Representative called me Childish on 2/14/14 during phone call, this is a direct violationFDCPA [15 USC 1692c] 805(c)- If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.-J & L Teamworks acknowledged receipt of my 13 letters in regards the above mentioned accounts each one stating explicitly to respond by correspondence by mail to my home address-J & L Teamworks called on February 14th, 2014 in violation after receiving the 13 lettersFDCPA [15 USC 1692c] 805(b)-COMMUNICATION WITH THIRD PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.-My Mother was erroneously contacted multiple times regarding her son [redacted] and the supposed debt owed to J & L Teamworks-She is willing to provide phone recor1Desired Settlement: I offered J & L Teamworks more money than they offered to settle in the spirit of compromise to have all negative trade lines removed.3 Hard Inquiries of my credit report has shot my credit, and was not necessary, expecially when they did 2 within days of each other. It is unacceptable and there own way that they can destruct people into paying them. I want the Inquiries removed, 3 is not necessary within 1 year. I also am willing to forget about the multiple FDCPA violations if we can agree

Business

Response:

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.

Review: calls my work at busy hours and then hangs upprovides no information regarding nature of callprovides no verification of reason for callDesired Settlement: my personal number is on do not call listthis company calls my work during busy hours and provides no verification for callhangs up when call is answereddisrupts business

Business

Response:

Per his request we will no longer call his number during business hours. Would he have a preffered time for us to call? If not we would encourage him to contact our office at [redacted] to discuss this personal business matter. Thanks

Review: J & L Teamwork, has been harassing my sister via phone calls. They have also been harassing me with phone calls, and have called my work multiple times in the past. I had to ask them multiple times to cease and desist calling me at work. They are calling me with a collection, but there is no reason to be rude, and harassing me at work. There is absolutely no reason to be calling my sister and harassing her. I am not sure how they obtained her personal cell phone number. I called J & L Teamworks, and asked them to no longer contact anyone other than me in future. I would like to still file a complaint against the company for harassment. They are unprofessional, and after being asked to stop calling, their employee persisted to call again to harass my sister.Desired Settlement: I would like them to make changes to their policy, or punished for disregarding California's civil harassment laws.

Business

Response:

We first talked to Mrs. [redacted] on 04-14-14 she advised us no more calls to work. Since then we have made no further calls to that number. Our records also indicate one call was made to the 4643 number in an attempt to contact Mrs. [redacted]. Upon being told not to call and that it was her sister's number that number was also taken out of the system. It looks like we have her set up on a 100 dollar repayment plan. With a desired outcome of us to stop contacting her would she still like her monthly payment reminders in the mail? Thanks

Review: The agency never sent and letter or information but went ahead and filed a collection report on Credit file

I went to [redacted] for annual Physical check up. My insurance company paid out everything to them. After several years now I find that charges billed and assumed unpaid by this agency and they filed report against me on my credit file with the credit rating agencies. This is unfair as I never heard from any of these companies who claim this to be unpaid.Desired Settlement: If there are unpaid charges which can be proved to me - I will pay up only if the credit report is corrected by the agency claiming to me that I owe money to them.

Business

Response:

Business' Initial Response

The account was assigned to our office on XX-XX-XXXX for collections. We sent a letter on XX-XX-XXXX notifying [redacted] of the account. On XX-XX-XXXX we made phone contact with [redacted], we were told that he needs to look over the letter and will pay the bill if he owes it. The insurance had made a payment and El Camino did an adjustment leaving Mr. [redacted] a patient portion of 67.49 (He was also sent an Explanation of Benefits from his insurance company advising him of his responsibility). We left 9 messages between XX-XX-XXXX and 02-17-2012. We sent another letter on XX-XX-XXXX advising that this would be reported to the credit report if not resolved with in 30 days. We left several more messages until XX-XX-XXXX with no return calls and then activity on the account was suspended. As a courtesy I have requested the itemized bill be sent to him once again for his review.

Review: Please accept this letter as a formal complaint that J & L Teamworks has failed to provide legitimate and legally required complete evidence of the accounts they are reporting on my credit report. I requested that they verify each account that is being inaccurately reported on my credit report. The burden of proof is on them, but they have not furnished the complete legally required and requested documentation. They are violating my rights and the laws of the Fair Credit Reporting Act. I have made several requests for their office to provide the complete document necessary to verify the accuracy of this account and they continue to ignore the laws by ailing to comply with the regulations of the FCRA and not either providing the complete documents or removing the disputed item from my credit report. I am now contacting your offices for the enforcement of these regulations. Please review the information I have provided and enforce the FCRA by making this creditor remove this unverified and inaccurate account in accordance the with laws and guidelines of the Fair Credit Reporting Act. I have provided copies of all the communication I have forwarded to the company and their responses. I request that you take a serious look at the operations and actions of this company as it seems that they are only concerned with making money and not the accuracy of what is reported on my credit files. Credit reports and the credit scores associated with a credit report are paramount in life as an America citizen. All aspects of life rely on the information reporting on consumer credit reports, whether it is financial, insurance,employment or housing. Please consider this a serious request to investigate the methods used by this company The credit reporting agencies and the credit furnishers need to be held liable for their inability to uphold the laws of the FCRA and the sloppy reporting habits creditors used when reporting consumer accounts. J & L Teamworks 1860821Desired Settlement: This company will continue to get away with these improper, unethical, and illegal tactics should you offices do nothing. Please take action and show these companies that operating illegally is not acceptable! without enforcement, what good do these laws do? Your assistance in this matter is appreciated.

Business

Response:

We received the first request for validation on 01-27-14, we requested the original documents from our client and sent them out on 02-26-14. We also updated the credit report as disputed at that time. On 03-10-14 we received another request for validation and we resent it. After receiving the last request on 06-23-14 we did discover that the address we had on file had changed and even though we received no mail return it was not the most current address. We then changed the address and sent out all of the original documents to them again. This information should have been received by now. Thank you.

Review: J&L Teamworks had posted a derogatory mark on my credit report. I had contested to draw light to the fact that they would not accept online payment on their website - calling in was the only payment option available. The account was paid in full last year but in response to the contesting, the company has added additional derogatory marks on my credit report for months for which no debt was owed. The updated credit information is wholly incorrect and would appear to be retaliatory in nature.Desired Settlement: As this is untrue information being provided to the credit bureau, the company (J&L Teamworks) will, as a sign of good faith, removing ALL derogatory marks from ALL credit bureaus and provide written confirmation that the requested removal is being actioned immediately.

Business

Response:

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

Review: I have two bills that have gone to this colection Agency. First off, they merged two of my bills into one without my consent. Secondly, as I pay off my bill my interest is going up.I'm not sure how this is legal or fair. I want compensation for the unfair treatment I have gotten.Desired Settlement: I want 500$ compensation for being held under by such extensive & unfair interest rates

Business

Response:

We have reached a settlement with the patient and the account is now closed. Thank you.

Review: Earlier this week I had talked to one representative that was calling to get payment information and she said that she didn't know why I was pulled up on her list to contact me for payment. I said I would have payment on the 16th of February. She said she would call back then. I ended up having monies to make payment on the 13th. I called in to make payment and one of the representatives ([redacted]) said that my debt has been transferred back to the original collector as of February 03, 2015 and that I may not owe anymore. I asked for a letter stating that my debt had been transferred back. She told me that they don't do that and cannot send a letter and that I would have to take it up with the original collector. I contacted the original collector and they said that my account was definitely still with J&L Teamworks. These conversations were recorded on by their phone.Desired Settlement: I would like a letter stating where my account is and if I owe anything else. I would not like it to go into collections further.

Consumer

Response:

Good Afternoon,

Review: This company was enlisted to accept payments for my medical bill on behalf of [redacted]

for services I received from them, but could not pay in total at time of service. I paid off my debt early and was

due a refund in October 2014. However, it is now December and I've not received my refund nor my receipt.

I've called three times, and they keep telling me 7-10 days (since October???). The last person [redacted] (x[redacted])

was very unprofessional. I spoke to him on December 5, 2014 at 10:38 AM. Each time I've called, my refund

has decreased.Desired Settlement: I want my refund. It isn't much, but when on a strict budget, even a little is a lot when you need it. I paid my debt,

I'm entitled to my true refund and receipt.

Consumer

Response:

Enclosed please find the documents supporting my claim against [redacted]Should you have any further questions, I can be reached at ###-###-####.Thank you so much for your kind assistance in this matter. I completed my indebtness in October 2014, and there is absolutely no excuse for their not sending my receipt for "zero" balance, nor my refund.My records show I actually paid $318.48. The amount due (financed) was $249.69.They're trying to say my refund is $6.00. What????Without receipts or a statement from them, I wouldn't have any idea. The last amount due according to the statement that I have (which crossed in the mail, that's why I called them) was $39.00. Even with that, I still had a refund. No receipt, no refund. I want my money. They did not have to chase me for it. I paid, and I called when I thought may be due money. I just want my refund and receipt whatever the case my be.Payments made: 5-5-14 ($45.00) payment 10-1-14 was an early payment, I just paid per usual, that's when I found out I'd over-paid.Sincerely,[redacted]10354446###-###-####Enclosures (8)

Business

Response:

Company states: The company has issued a refund and as mailed out yesterday. We apologize for the inconvenience.

Consumer

Response:

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

Review: Account is not valid (over 7 years old AND was withdrawn by referring hospital) and repeated assurances it is not reporting to credit bureaus has been false. Company has on multiple phone conversations assured me the account was removed.Desired Settlement: Immediate removal from all 3 credit reports and a follow up to prove its removal was complete.

Business

Response:

I apologize for the delay. We were attempting to contact Ms. [redacted]. As a courtesy we have resolved this to the satisfaction of the consumer. Thanks for your assistance.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. They have stayed they will remove the item in question from my credit report and mail me an official removal statement in the mail.

Sincerely,