Ms [redacted] : I apologize if there is still some confusionI will do my best to offer you a more detailed explanationIt is important to remember that when visiting the Emergency Room, a patient will incur AT MINIMUM, two separate charges or bills One bill is for the hospital or facility, and the other is for the attending ER physician In fact, in many instances there may be additional charges which are billed separately which may include such things as anesthesiology, radiology, or even laboratory servicesAs such, it is not uncommon to incur four of five bills from different companies for a single ER visit In all of these examples, the services are performed by separate entities and billed by different billing services In some cases, such as the radiologist or laboratory charges, the services are not even performed at the physical location of the hospital, but are completed miles away Due to this, it is typical that the hospital and all of the specialists performing medical services at, or in conjunction with, a specific date of service, are unaware of these other charges Additionally, they may be but are not familiar with the other provider's exact locations, contact information, account balances or account numbers, and certainly not who they choose to do their third party collection work In short, while I can understand how you might be concerned that the hospital isn't familiar with our company, there is no reason why they would We currently do not have a relationship with the hospital Our contract is with the Liberty ER Physicians; an entirely separate entity I also apologize if you have found the documentation provided to us by our client to be "sloppy" I too would like all of our validation materials to be on letterhead, to be clear and concise, and to be easily readable Unfortunately, I have no control over how our medical provider clients perform their secretarial functions or format this information for their patients Likewise, the Fair Debt Collection Practices Act does not dictate the method whereby a debt is validated A statement from an accounting ledger of the original creditor claiming a consumer owes a particular amount is sufficient under the law I sincerely wish there was a way I could help to alleviate your concerns regarding the appearance of this documentation, but I can only forward to you what I receive, as long as it meets the requirements under the law In the mean***e, I have spoken with [redacted] , the Billing Practice manager at the ***e your bill was incurred, and she too was troubled by the fact that we have been unable to remedy this situation to your satisfaction This debt is your legi***ate ER physician’s charge from your emergency room visit of 04/11/14, and currently still has an unpaid balance However, as a former patient, those involved wished to resolve this matter to your satisfactionSince you have made a good faith effort to resolve this debt up until this recent confusion and complaint, we were collectively in agreement that we would close and return the remaining $55.00, and delete the item from your credit bureau trade line on our next upload to the credit reporting agencies, scheduled for January If I can be of any further assistance to you, please do not hesitate to contact me at ###-###-#### Thank you!
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meThank you for assuring my address is removed from the account and thank you for contacting the city on my behalf to see if they will do the same Regards, [redacted] *
June 9, Sent via: Revdex.com Portal This letter is in response to the complaint submitted to the Revdex.com (“Revdex.com”) We appreciate the opportunity to respond The statement from Mr [redacted] alleges that Kansas Counselors of Kansas City, Incdirected ‘repeated’ telephone calls to his mother, and harassed her in an attempt to make contact with him Additionally, Mr [redacted] was upset that we would not explain to him where we got his mother’s telephone number First, there is indeed an account which was placed with our office for collections for which Mr [redacted] is the legal guarantor The account information is listed above and is in the amount of $ and has been delinquent since 09/11/ The account was placed with our agency for collections by the original creditor for on 03/20/ In the nearly three months that we’ve had the outstanding balance, the telephone number in question was called three times Since, under the Fair Debt Collection Practices Act (FDCPA) it is technically permissible to call once per day, I feel it is a gross exaggeration to claim that three calls in a three month period constitutes ‘repeated’ telephone calls In compliance with federal law, a ‘first notice’ providing Mr [redacted] with all the necessary and pertinent account information, including his rights to dispute or request validation of the debt, was mailed to him at his current address on 03/20/ This mail was not returned via the United States Postal Service, and as such is considered as having been lawfully received by Mr [redacted] Nevertheless, despite our mailing and a previous call from our office to the number Mr [redacted] called from yesterday, he failed to return our call or communicate with our office regarding his unpaid obligation Because of this, our representatives considered it likely that we had an incorrect or inconvenient number for Mr [redacted] , and began to attempt locating him at other numbers which were provided to us by the original creditor Although KCI performs limited skip tracing on larger balance accounts, this process was not explored on Mr [redacted] account Mr [redacted] has had more than one account placed with our agency over the years and the numbers we called in an attempt to locate him were, in fact, provided by Mr [redacted] himself at some point in the past I reviewed the telephone recording of Mr [redacted] ’ mother’s telephone call to our office, and his characterization of this call as harassment is once more inconsistent with the facts Bear in mind, that it is a right afforded a debt collector under the FDCPA to contact third parties in an attempt to locate a debtor However, a debt collector is prohibited from disclosing any information regarding the debt during that effort Mr [redacted] ’ mother was, in fact, uncooperative and demanded to know the reason for our call and to know who her son owed We politely refused to disclose this information, in compliance with the law, and the parties mutually ended the call The fact that Mr [redacted] shares the same name as his deceased father is merely coincidental and in no way should be construed as an attempt on our part to upset anyone In fact, Mr [redacted] ’ mother’s telephone number was immediately removed from our system once it was determined not to be his own Minutes later, Mr [redacted] began calling our office and demanding to know who we got his mother’s telephone number from As a third party debt collector involved in medical collections, our agency must adhere to both the FDCPA and HIPAA and we require a consumer to verify their identity before sharing information with them Mr [redacted] had great difficulty assisting in this process, and once doing so, continued his demands by continually interrupting, speaking angrily, and talking over our representative who was merely trying to assist him Kansas Counselors of Kansas City, Inchas an excellent rating with the RevDex.com and takes any and all complaints very seriously However, in this particular case, our company and its representatives did nothing to violate federal law, state law, or even company policy with regard to courtesy and respect on the telephone Should it be necessary, KCI is willing to share the telephone recordings which amply support our point KCI genuinely wishes to see an amicable resolution to this matter, and while I will apologize for any perceived slight Mr [redacted] or his mother may have experienced, any misconduct in this matter was not our own Should Mr [redacted] decide he wants to resolve this matter and avoid placement with the credit bureau(s), we would be more than happy to assist him I would even be willing to have him contact me personally to help him negotiate a suitable repayment plan My telephone number is ###-###-####, Ext *** Sincerely, [redacted] Director of Compliance Kansas Counselors of Kansas City, Inc
Hello KCI, I did not receive a dunning notice from you in if so I would like to know the tracking number to locate this letter I do not recall having any contractual obligation with you if I am mistaken I ask that you submit that as wellPlease note that this is a medical account according to what you proclaim in which I am taking very careful notes as to my steps on solving this dispute that you are recording on my credit reportPlease note that according to Attorney [redacted] you should be aware that a printout of a bill or itemized document does not constitute verificationI am requesting a copy of any documents bearing my signature showing that I have a legally binding contractual obligation to pay you Regards, [redacted]
Ms [redacted] : The Fair Debt Collection Practices Act does not require that a debt collector use certified or registered mail to send a dunning notice As such, there would be no 'tracking' number.Despite your statements to the contrary, we have validated your debt(s) with the appropriate and sufficient materials, despite the fact that we were under no further obligation under the law to do so.Lastly, from a semantic standpoint, you are not contractually obligated to pay Kansas Counselors, Inc Therefore, no such documentation exists, and no statement regarding this has ever been made to you You are, however, under contractual obligation to pay the creditor/provider with whom you contracted for medical services during your visit to the emergency room on 04/16/ As a third party debt collector and a data furnisher under the Fair Credit Reporting Act, our job is to facilitate your payment to our client(s), and to report these debt(s) accurately to the credit reporting agency.You are certainly welcome to pay your outstanding obligation(s) directly to StJoseph Medical Center and Carondelet ER Physicians Once you do so, they will notify our agency, and once he payment(s) are posted, we will request that they be deleted from the credit reporting agencies as a courtesy to you
Ms [redacted] : I apologize if there is still some confusionI will do my best to offer you a more detailed explanationIt is important to remember that when visiting the Emergency Room, a patient will incur AT MINIMUM, two separate charges or bills One bill is for the hospital or facility, and the other is for the attending ER physician In fact, in many instances there may be additional charges which are billed separately which may include such things as anesthesiology, radiology, or even laboratory servicesAs such, it is not uncommon to incur four of five bills from different companies for a single ER visit In all of these examples, the services are performed by separate entities and billed by different billing services In some cases, such as the radiologist or laboratory charges, the services are not even performed at the physical location of the hospital, but are completed miles away Due to this, it is typical that the hospital and all of the specialists performing medical services at, or in conjunction with, a specific date of service, are unaware of these other charges Additionally, they may be but are not familiar with the other provider's exact locations, contact information, account balances or account numbers, and certainly not who they choose to do their third party collection work In short, while I can understand how you might be concerned that the hospital isn't familiar with our company, there is no reason why they would We currently do not have a relationship with the hospital Our contract is with the Liberty ER Physicians; an entirely separate entity I also apologize if you have found the documentation provided to us by our client to be "sloppy" I too would like all of our validation materials to be on letterhead, to be clear and concise, and to be easily readable Unfortunately, I have no control over how our medical provider clients perform their secretarial functions or format this information for their patients Likewise, the Fair Debt Collection Practices Act does not dictate the method whereby a debt is validated A statement from an accounting ledger of the original creditor claiming a consumer owes a particular amount is sufficient under the law I sincerely wish there was a way I could help to alleviate your concerns regarding the appearance of this documentation, but I can only forward to you what I receive, as long as it meets the requirements under the law In the mean***e, I have spoken with [redacted] , the Billing Practice manager at the ***e your bill was incurred, and she too was troubled by the fact that we have been unable to remedy this situation to your satisfaction This debt is your legi***ate ER physician’s charge from your emergency room visit of 04/11/14, and currently still has an unpaid balance However, as a former patient, those involved wished to resolve this matter to your satisfactionSince you have made a good faith effort to resolve this debt up until this recent confusion and complaint, we were collectively in agreement that we would close and return the remaining $55.00, and delete the item from your credit bureau trade line on our next upload to the credit reporting agencies, scheduled for January If I can be of any further assistance to you, please do not hesitate to contact me at ###-###-#### Thank you!
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meThank you for assuring my address is removed from the account and thank you for contacting the city on my behalf to see if they will do the same Regards, [redacted] *
June 9, Sent via: Revdex.com Portal This letter is in response to the complaint submitted to the Revdex.com (“Revdex.com”) We appreciate the opportunity to respond The statement from Mr [redacted] alleges that Kansas Counselors of Kansas City, Incdirected ‘repeated’ telephone calls to his mother, and harassed her in an attempt to make contact with him Additionally, Mr [redacted] was upset that we would not explain to him where we got his mother’s telephone number First, there is indeed an account which was placed with our office for collections for which Mr [redacted] is the legal guarantor The account information is listed above and is in the amount of $ and has been delinquent since 09/11/ The account was placed with our agency for collections by the original creditor for on 03/20/ In the nearly three months that we’ve had the outstanding balance, the telephone number in question was called three times Since, under the Fair Debt Collection Practices Act (FDCPA) it is technically permissible to call once per day, I feel it is a gross exaggeration to claim that three calls in a three month period constitutes ‘repeated’ telephone calls In compliance with federal law, a ‘first notice’ providing Mr [redacted] with all the necessary and pertinent account information, including his rights to dispute or request validation of the debt, was mailed to him at his current address on 03/20/ This mail was not returned via the United States Postal Service, and as such is considered as having been lawfully received by Mr [redacted] Nevertheless, despite our mailing and a previous call from our office to the number Mr [redacted] called from yesterday, he failed to return our call or communicate with our office regarding his unpaid obligation Because of this, our representatives considered it likely that we had an incorrect or inconvenient number for Mr [redacted] , and began to attempt locating him at other numbers which were provided to us by the original creditor Although KCI performs limited skip tracing on larger balance accounts, this process was not explored on Mr [redacted] account Mr [redacted] has had more than one account placed with our agency over the years and the numbers we called in an attempt to locate him were, in fact, provided by Mr [redacted] himself at some point in the past I reviewed the telephone recording of Mr [redacted] ’ mother’s telephone call to our office, and his characterization of this call as harassment is once more inconsistent with the facts Bear in mind, that it is a right afforded a debt collector under the FDCPA to contact third parties in an attempt to locate a debtor However, a debt collector is prohibited from disclosing any information regarding the debt during that effort Mr [redacted] ’ mother was, in fact, uncooperative and demanded to know the reason for our call and to know who her son owed We politely refused to disclose this information, in compliance with the law, and the parties mutually ended the call The fact that Mr [redacted] shares the same name as his deceased father is merely coincidental and in no way should be construed as an attempt on our part to upset anyone In fact, Mr [redacted] ’ mother’s telephone number was immediately removed from our system once it was determined not to be his own Minutes later, Mr [redacted] began calling our office and demanding to know who we got his mother’s telephone number from As a third party debt collector involved in medical collections, our agency must adhere to both the FDCPA and HIPAA and we require a consumer to verify their identity before sharing information with them Mr [redacted] had great difficulty assisting in this process, and once doing so, continued his demands by continually interrupting, speaking angrily, and talking over our representative who was merely trying to assist him Kansas Counselors of Kansas City, Inchas an excellent rating with the RevDex.com and takes any and all complaints very seriously However, in this particular case, our company and its representatives did nothing to violate federal law, state law, or even company policy with regard to courtesy and respect on the telephone Should it be necessary, KCI is willing to share the telephone recordings which amply support our point KCI genuinely wishes to see an amicable resolution to this matter, and while I will apologize for any perceived slight Mr [redacted] or his mother may have experienced, any misconduct in this matter was not our own Should Mr [redacted] decide he wants to resolve this matter and avoid placement with the credit bureau(s), we would be more than happy to assist him I would even be willing to have him contact me personally to help him negotiate a suitable repayment plan My telephone number is ###-###-####, Ext *** Sincerely, [redacted] Director of Compliance Kansas Counselors of Kansas City, Inc
Hello KCI, I did not receive a dunning notice from you in if so I would like to know the tracking number to locate this letter I do not recall having any contractual obligation with you if I am mistaken I ask that you submit that as wellPlease note that this is a medical account according to what you proclaim in which I am taking very careful notes as to my steps on solving this dispute that you are recording on my credit reportPlease note that according to Attorney [redacted] you should be aware that a printout of a bill or itemized document does not constitute verificationI am requesting a copy of any documents bearing my signature showing that I have a legally binding contractual obligation to pay you Regards, [redacted]
Ms [redacted] : The Fair Debt Collection Practices Act does not require that a debt collector use certified or registered mail to send a dunning notice As such, there would be no 'tracking' number.Despite your statements to the contrary, we have validated your debt(s) with the appropriate and sufficient materials, despite the fact that we were under no further obligation under the law to do so.Lastly, from a semantic standpoint, you are not contractually obligated to pay Kansas Counselors, Inc Therefore, no such documentation exists, and no statement regarding this has ever been made to you You are, however, under contractual obligation to pay the creditor/provider with whom you contracted for medical services during your visit to the emergency room on 04/16/ As a third party debt collector and a data furnisher under the Fair Credit Reporting Act, our job is to facilitate your payment to our client(s), and to report these debt(s) accurately to the credit reporting agency.You are certainly welcome to pay your outstanding obligation(s) directly to StJoseph Medical Center and Carondelet ER Physicians Once you do so, they will notify our agency, and once he payment(s) are posted, we will request that they be deleted from the credit reporting agencies as a courtesy to you