[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] ***
August 2, Complaint Number: Dear Ms [redacted] : This letter is in response to your correspondence submitted to the Revdex.com This appears to be the same information you submitted to the Consumer Financial Protection Bureau (“CFPB”) and which we responded to on July 31, Nevertheless, I want to take the opportunity to explain our position to you once again Your statement still indicates that Kansas Counselors, Inc(KCI) has failed to satisfactorily validate your debt after you disputed the above mentioned account in a letter to our agency, dated May 25, First, as is required by the Fair Debt Collection Practices Act (FDCPA), and is strictly followed by KCI, an initial notice is sent to all legal guarantors on delinquent accounts placed with our agency This notice contains our agency name, the name of the original creditor, your account number, the date of service, the exact amount owed, the full mini-Miranda, and the full statement of your rights to dispute and to request validation of the debt(s) in writing within thirty (30) days of receiving the notice KCI mailed you a dunning notice for the account listed above to your last known address at Nicole Dr., Hampton, GA, on 11/26/ The letter sent to your address was not returned via the US Postal Service You did not exercise your rights within the time frame prescribed by law We did, however, receive a written dispute in May This letter was a dispute only and not a request for validation, and of course, was received years after the validation period had expired Under the law KCI was under no obligation from the FDCPA to fulfill your request Still, we made every attempt to accommodate you and mailed you a copy of your utility bill from the City of Independence, Missouri This documentation included information properly identifying you as the guarantor of this account, and verified the balance we are attempting to collect as accurate and correct KCI immediately marked your account as disputed and reported it to the credit reporting agencies as such, in compliance with the Fair Credit Reporting Act To reiterate, KCI was under no obligation to provide validation materials to you at this late date, per the FDCPA, but in an effort to be helpful, our agency still complied The materials that we sent are considered sufficient under the law, and we are under no obligation to provide anything further to you as verification As a courtesy to you, I am including the validation document from the City of Independence, as well as a copy of your dispute letter You may keep these for your records Unfortunately, we cannot, at this time, agree to your desired resolution on your account based on the fact that our verification efforts indicate you are the responsible party in this case, and that you have failed to pay the delinquent balance In short, this debt has been validated, yet remains unpaid In the event you should decide to resolve these balances, please feel free to contact my office to speak with a helpful representative who will gladly assist you I wish to personally thank you for your correspondence, and appreciate the opportunity to alleviate your concerns KCI has now responded and considers this matter closed If I can be of further assistance, please do not hesitate to call me Sincerely, [redacted] Director of Compliance
October 31, Complaint Number: Dear Ms [redacted] : This letter is in response to your correspondence submitted to the Revdex.com This appears to be the same information you submitted to the Consumer Financial Protection Bureau (“CFPB”) and which we responded to on September 6, Nevertheless, I want to take the opportunity to explain our position to you once again Your statement still indicates that Kansas Counselors, Inc(KCI) has failed to satisfactorily validate your debt after you disputed your StJoseph Medical Center account in a letter to our agency, dated July 19, First, as is required by the Fair Debt Collection Practices Act (FDCPA), and is strictly followed by KCI, an initial notice is sent to all legal guarantors on delinquent accounts placed with our agency This notice contains our agency name, the name of the original creditor, your account number, the date of service, the exact amount owed, the full mini-Miranda, and the full statement of your rights to dispute and to request validation of the debt(s) in writing within thirty (30) days of receiving the notice KCI mailed you a dunning notice for the account listed above to your last known address at Chestnut Avenue, Kansas City, MO on 11/26/ The letter sent to your address was not returned via the US Postal Service You did not exercise your rights within the time frame prescribed by law We did, however, receive a written dispute in July This letter was a dispute and a request for validation, and of course, was received years after the validation period had expired Under the law, KCI was under no obligation from the FDCPA to fulfill your request Still, we made every attempt to accommodate you and mailed you a copy of your invoice, obtained directly from StJoseph Medical Center This documentation included information properly identifying you as the guarantor of this account, and verified the balance we are attempting to collect as accurate and correct KCI immediately marked your account as disputed and reported it to the credit reporting agencies as such, in compliance with the Fair Credit Reporting Act (FCRA) My records also indicate that we received a dispute from you regarding your account submitted directly through the credit reporting agencies (CRAs) These Automated Consumer Dispute Verifications (ACDVs) are forwarded to our agency through the Online Solution for Complete and Accurate Reporting (e-OSCAR) system With each dispute, our agency performed a “reasonable investigation”, as is required by law, and after coordinating with our client, found both debts to be valid and still unpaid At that time, we marked the accounts as disputed again, and provided the results of our query to the CRAs via e-OSCAR Please understand, after completing our “reasonable investigation” in compliance with the FCRA, and responding back to the CRAs via e-OSCAR, KCI is not under any obligation to send any additional material to you Nevertheless, KCI mailed a second copy of the itemized bill to you from the original creditor, including your signature page from the ER physicians (Carondelet) at StJoseph Medical Center, to serve as validation of your debt for you Because you have specifically authorized me to do so, I am uploading a copy here yet again You may keep these for your records To reiterate, KCI was under no obligation to provide validation materials to you at this late date, per the FDCPA, but in an effort to be helpful, our agency has complied for a third time The materials that we sent are considered sufficient under the law KCI has done everything necessary to comply with your wishes, and had been compliant with its requirements under federal both FDCPA and FCRA Unfortunately, we cannot, at this time, agree to your desired resolution on your account based on the fact that our verification efforts indicate you are the responsible party in this case, and that you have failed to pay the delinquent balance In short, this debt has been validated, yet remains unpaid In the event you should decide to resolve your balance(s), please feel free to contact my office to speak with a helpful representative who will gladly assist you I wish to personally thank you for your correspondence, and appreciate the opportunity to alleviate your concerns KCI has now responded and considers this matter closed If I can be of further assistance, please do not hesitate to call me at [redacted] ext *** Sincerely, [redacted] Director of Compliance This communication is from a debt collector This is an attempt to collect a debt and any information obtained will be used for that purpose
[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] ***
August 2, Complaint Number: Dear Ms [redacted] : This letter is in response to your correspondence submitted to the Revdex.com This appears to be the same information you submitted to the Consumer Financial Protection Bureau (“CFPB”) and which we responded to on July 31, Nevertheless, I want to take the opportunity to explain our position to you once again Your statement still indicates that Kansas Counselors, Inc(KCI) has failed to satisfactorily validate your debt after you disputed the above mentioned account in a letter to our agency, dated May 25, First, as is required by the Fair Debt Collection Practices Act (FDCPA), and is strictly followed by KCI, an initial notice is sent to all legal guarantors on delinquent accounts placed with our agency This notice contains our agency name, the name of the original creditor, your account number, the date of service, the exact amount owed, the full mini-Miranda, and the full statement of your rights to dispute and to request validation of the debt(s) in writing within thirty (30) days of receiving the notice KCI mailed you a dunning notice for the account listed above to your last known address at Nicole Dr., Hampton, GA, on 11/26/ The letter sent to your address was not returned via the US Postal Service You did not exercise your rights within the time frame prescribed by law We did, however, receive a written dispute in May This letter was a dispute only and not a request for validation, and of course, was received years after the validation period had expired Under the law KCI was under no obligation from the FDCPA to fulfill your request Still, we made every attempt to accommodate you and mailed you a copy of your utility bill from the City of Independence, Missouri This documentation included information properly identifying you as the guarantor of this account, and verified the balance we are attempting to collect as accurate and correct KCI immediately marked your account as disputed and reported it to the credit reporting agencies as such, in compliance with the Fair Credit Reporting Act To reiterate, KCI was under no obligation to provide validation materials to you at this late date, per the FDCPA, but in an effort to be helpful, our agency still complied The materials that we sent are considered sufficient under the law, and we are under no obligation to provide anything further to you as verification As a courtesy to you, I am including the validation document from the City of Independence, as well as a copy of your dispute letter You may keep these for your records Unfortunately, we cannot, at this time, agree to your desired resolution on your account based on the fact that our verification efforts indicate you are the responsible party in this case, and that you have failed to pay the delinquent balance In short, this debt has been validated, yet remains unpaid In the event you should decide to resolve these balances, please feel free to contact my office to speak with a helpful representative who will gladly assist you I wish to personally thank you for your correspondence, and appreciate the opportunity to alleviate your concerns KCI has now responded and considers this matter closed If I can be of further assistance, please do not hesitate to call me Sincerely, [redacted] Director of Compliance
October 31, Complaint Number: Dear Ms [redacted] : This letter is in response to your correspondence submitted to the Revdex.com This appears to be the same information you submitted to the Consumer Financial Protection Bureau (“CFPB”) and which we responded to on September 6, Nevertheless, I want to take the opportunity to explain our position to you once again Your statement still indicates that Kansas Counselors, Inc(KCI) has failed to satisfactorily validate your debt after you disputed your StJoseph Medical Center account in a letter to our agency, dated July 19, First, as is required by the Fair Debt Collection Practices Act (FDCPA), and is strictly followed by KCI, an initial notice is sent to all legal guarantors on delinquent accounts placed with our agency This notice contains our agency name, the name of the original creditor, your account number, the date of service, the exact amount owed, the full mini-Miranda, and the full statement of your rights to dispute and to request validation of the debt(s) in writing within thirty (30) days of receiving the notice KCI mailed you a dunning notice for the account listed above to your last known address at Chestnut Avenue, Kansas City, MO on 11/26/ The letter sent to your address was not returned via the US Postal Service You did not exercise your rights within the time frame prescribed by law We did, however, receive a written dispute in July This letter was a dispute and a request for validation, and of course, was received years after the validation period had expired Under the law, KCI was under no obligation from the FDCPA to fulfill your request Still, we made every attempt to accommodate you and mailed you a copy of your invoice, obtained directly from StJoseph Medical Center This documentation included information properly identifying you as the guarantor of this account, and verified the balance we are attempting to collect as accurate and correct KCI immediately marked your account as disputed and reported it to the credit reporting agencies as such, in compliance with the Fair Credit Reporting Act (FCRA) My records also indicate that we received a dispute from you regarding your account submitted directly through the credit reporting agencies (CRAs) These Automated Consumer Dispute Verifications (ACDVs) are forwarded to our agency through the Online Solution for Complete and Accurate Reporting (e-OSCAR) system With each dispute, our agency performed a “reasonable investigation”, as is required by law, and after coordinating with our client, found both debts to be valid and still unpaid At that time, we marked the accounts as disputed again, and provided the results of our query to the CRAs via e-OSCAR Please understand, after completing our “reasonable investigation” in compliance with the FCRA, and responding back to the CRAs via e-OSCAR, KCI is not under any obligation to send any additional material to you Nevertheless, KCI mailed a second copy of the itemized bill to you from the original creditor, including your signature page from the ER physicians (Carondelet) at StJoseph Medical Center, to serve as validation of your debt for you Because you have specifically authorized me to do so, I am uploading a copy here yet again You may keep these for your records To reiterate, KCI was under no obligation to provide validation materials to you at this late date, per the FDCPA, but in an effort to be helpful, our agency has complied for a third time The materials that we sent are considered sufficient under the law KCI has done everything necessary to comply with your wishes, and had been compliant with its requirements under federal both FDCPA and FCRA Unfortunately, we cannot, at this time, agree to your desired resolution on your account based on the fact that our verification efforts indicate you are the responsible party in this case, and that you have failed to pay the delinquent balance In short, this debt has been validated, yet remains unpaid In the event you should decide to resolve your balance(s), please feel free to contact my office to speak with a helpful representative who will gladly assist you I wish to personally thank you for your correspondence, and appreciate the opportunity to alleviate your concerns KCI has now responded and considers this matter closed If I can be of further assistance, please do not hesitate to call me at [redacted] ext *** Sincerely, [redacted] Director of Compliance This communication is from a debt collector This is an attempt to collect a debt and any information obtained will be used for that purpose