Lynchburg Regional Business Alliance

Complaint ID: [redacted] GLA does not have enough information to identify the account(s) in question.  Please contact our office to discuss. [redacted] Compliance Officer GLA Collection Co., Inc. [redacted]

Revdex.com:I have reviewed the response made by the business in reference to complaint ID[redacted], and find that this resolution would be satisfactory to me.  I will uphold my part of the agreement and I will wait for the business to perform this action and, if it does, will consider this complaint resolved.Regards,[redacted]

[redacted] GLA will review the account and recordings in question.  The account is not owned by GLA and can not be “Waived”.   In both instances of the alleged violation(s), the correct person was contacted.  There was no third party...

violation. [redacted]

GLA will comply with changing the resp. party to the patient and removing the trade line from [redacted]'s credit file.  [redacted] must call our office and give GLA her social security number in order to remove the trade line.  This is a requirement to do removals through [redacted].This...

was an error on our clients part. We wish to resolve this as soon as possible. [redacted] must call our office and give GLA her social security number in order to remove the trade line.  This is a requirement to do removals through [redacted]r. [redacted]Compliance OfficerGLA Collection Company, Inc. [redacted]

Revdex.com:
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.
Please read attached and remove the debt from all three of my credit bureaus until this is verified.
Regards,
[redacted]

GLA has spoken with [redacted] several times in the past. History indicates that the collector and collection manager spoke with here on 05/12/2015 and 05/13/2015.  She should be aware of the account(s) that are owed and our policy on credit reporting.  Any monies received will be applied to the balances. Any balances paid in full or in part will be reflected on her credit report as such when we report on the 15th of each month.
It is our understanding that Mrs. [redacted] may be upset regarding payments made in the past and how the funds were distributed. The payment was taken by our client and funds applied as they saw fit. GLA had no control as to what payments were reported to our company.
All monies will be applied as received, all trade lines will reflect the correct balances as soon as we report and the credit bureaus process the request.
Mrs. [redacted] may contact our office to discuss.
Compliance Officer 
GLA Collection Company, Inc.

The balance stated is correct and due.  Our client has written documentation noting that interest can be charged according to state and federal laws.  It is our policy to try to obtain a good faith payment and a monthly agreed upon payment plan per our clients request.  GLA...

understands that times are hard and we wishto help resolve this matter.  We wish Mr/Mrs. [redacted] to contact our office.GLA sees no violation of state of federal laws regarding the actions of its employees.Compliance OfficerGLA Collection Company, Inc.

To whom it may concern:
GLA has reviewed the information in our system. Both accounts are past the required 30 day validation period.  We have previously marked both as disputed.  We await communication with the responsible party to answer any questions she may have.  We wish...

only to help her clear this matter up.
Please contact our office. 
Compliance Officer
GLA Collection Company, Inc.

Complaint ID: [redacted]Re: [redacted] [redacted] GLA agrees that these accounts are separate accounts and separate companies.  Any money paid to GLA will be applied per Mr. [redacted] wishes.  Interest charged is per the client’s request.   If you wish, you may send separate checks for each client or pay the client directly.  As previously stated, the balances stated are correct and due. [redacted]Compliance OfficerGLA Collection Co., Inc.###-###-####

GLA has reviewed the account in question.  Attached are the details of the account along with a signed registration.Name: [redacted]Date of Service: [redacted]Date of Ref: [redacted]Client: [redacted]
[redacted]...

[redacted] Please be advised that this is the billing address of our client, GLA has no information as to where the patient was seen and by whom.  It appears to be an [redacted]gency room visit and that the balance was a co-pay.Initial Amount: 200.00Balance today: 294.86  (8% interest) Section 4 "IV. Guarentee of Account" Clearly states that interest may be added.The initial address on turn over of the account was : [redacted].  The current address we have listed is : [redacted]Initial communication for this account was sent to  [redacted] or around 06/21/2010.  There was no mail return, GLA can only deduct that the letter was received by Mr. [redacted].We have already marked the trade line as disputed. Please contact our office to discuss resolution of the balance.

[redacted]
[redacted]
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[redacted] To whom it may concern: The account in question was posted on 09/07/2016.  The trade line has been marked for deletion.  A “payment in full” letter had been emailed...

to the email address we have on file.  If you still have not gotten this email, please feel free to contact our office. We show that we have complied with your request for a receipt.  It is our company’s policy to provide a receipt upon request. [redacted] PLEASE SEND PAID LETTER BY EMAIL TO DEBTOR. [redacted] EVF PRVSLY ON FILE -EMAILED P&R LTR #[redacted] Compliance Officer GLA Collection Co., Inc. [redacted]

To whom it may concern:
Here is an itemized statement given to us by our client.  This information should satisfy the validation request.
Please have Mrs. [redacted] contact our office to discuss payment of the account.
This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.
 
Compliance Officer
GLA Collection Company, Inc.

[redacted]
 
I recently filed a complaint against GLA Collections.   Complaint #[redacted]
I asked that the complaint not be closed until I was contacted, as I was afraid they would not contact me.  They have attempted to call me with the recording telling me that they are trying to collect a debt, but no contact concerning the complaint
.
The person responding to my request said to give it a couple of weeks to see what happens.  As I suspected, GLA has not contacted me concerning my complaint.  Will I need to file a new one, or can you all just follow up with them?
 
Thank you, --
[redacted]
 
[redacted]

Revdex.com:
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.
That's a really nice bill. However, it does NOT comply with the validation laws. It does NOT establish any right to collect or ownership of GLA Collection. 1) They have to prove that we have agreed to do business together (contract) (UCC 3501);( Prove at least the 4 basic elements (1. Offer; 2. Acceptance; 3.Consideration (equal risk and financial consideration); 4. Meeting of the minds (full disclosure)) 2) They have to give a full accounting. Every charge and what was purchased, fee, payment, credit, interest, how they calculate what they claim is owed from origination to present ) 3) Copy of the assignment or purchase from the OC; (UCC 3-309 which requires them to prove ownership of the note or authorization to demand payment) 4) Full chain of assignments from charge off to present; 5) Prove they own the alleged debt/account with full clear title; (UCC 9-406 requires proof of assignment or assignments necessary to show title) 6) Proof they were on the original contract between you and the original creditor (73 Am Jur sect. 93)  7) FCRA Sect. 603 (o)(5)(A)(i) have to have consumer's authorization to furnish information on a credit bureau. 8) verification must be an affidavit from the Original Creditor, not just some claim that it was investigated They are breaking Federal Law. Therefore, they deserve an "F" rating by the Revdex.com, if the Revdex.com is a legitimate source of information. Have The GLA Collection not just furnish an invoice but the above information. They won't because they don't have it. The company listed on the invoice isn't on my credit, but GLA collection are and that is who I'm going after. Who are they????? Why should I pay them????
Regards,
[redacted]

GLA understands the consumers concern over providing banking information to resolve the debts in question.  Our company is bound by state, federal and company policy to protect such information. Consumers are offered several payment options which they may choose from. I want to personally apologize for the misunderstanding.   As to the issue of "One Account"... Any payments will be applied as to the consumers wishes.  If a consumer is setup on a payment plan, the funds will be applied per their request or according to company policy.  The "Account" can not be combined as they are from multiple creditors and for multiple dates of service. Compliance OfficerGLA Collection Company, Inc.

Better Business...

Bureau:
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 have already paid off the balance and want to address the practice of aggressive employee demands for banking inforamation.  My account is fully paid and resolved, but the first employee that I spoke with was not helpful and was, in fact, dismissive of my concerns in giving financial information to a company that seemed to have disparate records without an overarching account number.]
Regards,
[redacted]

To whom it may concern:
As of the date of this response, we have not received any requests for validation.  We have confirmed with our client that the debt is still owing.
We would ask that Mrs. [redacted] contact our office to discuss. If she is claiming identity theft, we would like...

very much to see any documentation to confirm this as well as any police report that has been filed.
We have marked this account as disputed and await communication from Mrs. [redacted].
Compliance Officer
GLA Collection Company, Inc.%

Revdex.com:
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 will be waiting for the itemized invoice from GLa
Regards,
[redacted]

Complaint ID: [redacted] RE: [redacted] and [redacted] The accounts in question are correct and due.  Our client has not reported any payments on these accounts as of the date of this email.  Itemized statements were sent to Mr. and Mrs. [redacted] back in August and September of 2016.  GLA...

needs proof of payment.  Many times Clients will write the balance off of the their books when they send the accounts to collections.  That may be why the representative for our client shows a “zero” balance.  We have confirmed these balances with our clinets. [redacted] Compliance Officer GLA Collection Co., Inc. ###-###-####

Revdex.com:
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.  My [redacted] has not been contacted by GLA. The reason why the company says Mrs. [redacted] is because they don't know my [redacted] name or address. For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]