Malcolm S. Gerald & Associates, Inc.

Initial Business Response /* (1000, 5, 2014/08/05) */
Contact Name and Title: *** ***, President
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@msgerald.com
Well, We show that $has been paid on this accountI don't understand why if there was never an account, why
someone would have made payments toward the balance
I will mark this account as disputed and close it in our office
Initial Consumer Rebuttal /* (3000, 7, 2014/08/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
What kind of "credible" collection agency marks an account as disputed and then voluntarily closes the account with hard evidence pointing otherwise? I will answer this question for you: no "credible" collection agency would do this
I would like for you to prove that I was ever affiliated with Identity Protection Plus, that there was ever a balance owed between myself and this company, and for what
In addition, I would like you to prove that I paid toward this account in four payments as you stated above
I will forward this information to the Illinois Attorney General and the Illinois Department of Financial and Professional Regulation once I receive it
Final Business Response /* (4000, 11, 2014/08/26) */
we are in the process of trying to get more informationI will see if we can get a contract of a copy of a recorded call

we will close this account and cease communications with this person
*** ***

Initial Business Response /* (1000, 8, 2014/07/22) */
Contact Name and Title: *** ***, President
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@msgerald.com
The account will be closed immediatelyNo further calls will be made from this office
Initial Consumer
Rebuttal /* (3000, 10, 2014/08/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I need to know if Malcolm SGerald & Associates, Increported this account to be current and paid to any of the credit bureaus
Final Business Response /* (4000, 12, 2014/08/05) */
Malcolm SGerald did not report this to any credit agency as delinquent in the first placeWe never report to the credit agencies at all for this clientIt will have no negative reflection at all

Initial Business Response /* (1000, 5, 2015/06/16) */
Contact Name and Title: *** ***, President
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@msgerald.com
We would surely stop calling if requested to do soWe need to know what number, to stop calling as it isn't listed in
this complaintIf supplied we will remove it and stop calling immediately

We believe that we are contacting the correct *** *** and that this person has a debt with our clientSince this complaint states that this person does not want us to contact them again, we will return this account to our client and let them pursue this as they decide to We are closing
this account as a cease and desist

This company called me and the first thing they wanted was me to verify personal information I will not verify personal information over the the phone with people or companies I do not know if you wish to discuss anything with me it will need to be submitted in writing through the U.S postal service thank you

Initial Business Response /* (1000, 5, 2014/02/26) */
Contact Name and Title: *** ***, President
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@msgerald.com
MSG did send a validation letter on 2/17/We also do not report to any credit bureaus for *** Anything that was
on this customer's credit report wasn't placed there by MSG, therefore there is nothing for us to removeWe can't remove or update anything that was placed by us
Final Consumer Response /* (3000, 7, 2014/02/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept M.S.G.'s response concerning their firm having nothing to do with credit bureau reportingI subscribe to all three credit bureaus and am alerted to any new activity on my credit reports the same day that it is postedOn appxFeb 14, I was alerted by the credit bureaus of this new collection accountThe same day I called *** Credit Services" to inquire about the entry and to ask why I did not receive a validation letter, however *** Credit services would not discuss any account matters and would only refer me to this collection firm(M.S.G.) *** Credit Services states that M.S.Ghandles ALL of their collection effortsM.S.Gstated above that a validation letter was sent on 2/17/14, which was only after I had called in on two separate occasions within the previous business days to complain that I had never received a validation letter and that the item had recently appeared on my credit reportDuring my last phone call I insisted that the premature credit report entry which posted a week prior on all three major credit bureaus be removed, otherwise I would pursue legal actionIt was only then that M.S.G apparently decided to send a validation letter, which I have now received, however they have not corrected the premature credit reporting entry and are apparently not concerned that the Fair Credit Act laws are adhered to
Final Business Response /* (4000, 9, 2014/03/03) */
If the consumer would be please provide us with a copy of a credit report where Malcolm S Gerald and Assoc., Incappears, we would gladly remove itAs stated previously, MSG is not a credit reporting company, for Pinnacle credit ServicesTherefore we believe that there is nothing for us to removePlease send me a copy of the report where MSG appearsWe would gladly help

Initial Business Response /* (1000, 8, 2014/06/30) */
Contact Name and Title: *** ***, President
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@msgerald.com
We have left a number of messages, but have never been called backWe will stop calling

We will send a copy of an itemized bill, If the Mr *** states he wasn't the patient and then claims that someone used his identity at the medical facility, (and used his identity to make two payments on this account) then we will close this as disputed and no further collection activity will
take place

Initial Business Response /* (1000, 5, 2015/05/29) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@msgerald.com
The patient received services on 5-26-at *** *** *** *** The total charges were $On 6-12-Blue Cross
Blue Shield processed the account and the total payment and adjustment was $leaving a balance of $which was the coinsurance per the remitOn 10-27-partial *** *** (charity) adjustment was applied for $leaving a balance of $The account show a patient payments were made on 11-14-for $40.00, 1-12-for $and on 2-3-for $leaving a balance of $

We will close this account as a refusal to pay. No further activity will take place

Initial Business Response /* (1000, 5, 2015/08/24) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@msgerald.com
We are in the process of requesting a copy of a VOD from the clientCalls will stop until we are able to provide one
Initial Consumer Rebuttal /* (3000, 10, 2015/08/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
How are you able to collect on something when you yourself don't have any proper papers ? No paper work has ever been received for your company
Final Business Response /* (1000, 8, 2015/08/27) */
Also, We made our original contact on this account on 8/3/We sent our proper VOD letter on 8/4/The email we received on 8/24/from Mror Mrs*** stating "It's against the law to contact me with out sending v.o.d with in days BEFOREHAND of contacting meI will be hiring an attorney and make sure you let the original debtor know you've messed up their case" is incorrectIn the attachment of their own email states clearly that, we must send a VOD letter within days of the original contactNo where does the law state that we must validate days beforehand

Initial Business Response /* (1000, 5, 2015/07/08) */
Contact Name and Title: David ***
Contact Phone: ***
Contact Email: ***
We will close our file as a requested No call
Initial Consumer Rebuttal /* (2000, 7, 2015/07/09) */
(The consumer
indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2014/02/26) */
Contact Name and Title: *** ***, President
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@msgerald.com
We have sent two letters pertaining to this debt, but we will close our file and not call again

We will close this account as a refusal to pay
No further activity will take place

Initial Business Response /* (1000, 8, 2015/01/26) */
Contact Name and Title: *** ***, President
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@msgerald.com
We have closed this file as a disputed claimNo credit reporting agency had been notified of this debt
Initial
Consumer Rebuttal /* (3000, 10, 2015/01/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I want them to indicate that there will be no further collection activity as this is not me debtThank you
Final Business Response /* (4000, 12, 2015/01/27) */
No further collection activity will take place from this office pertaining to this account

Because the customer has disputed this and requested no further contact from our office, as stated previously, we have closed this account as disputed and are no longer handling thisMr*** may contact the provider of services directlyAs stated in the previous complaints, Mr*** knows who the provider isWe suggest he contacts them directly at this point to resolve his remaining balance

Initial Business Response /* (1000, 5, 2015/07/08) */
Contact Name and Title: David ***
Contact Phone: ***
Contact Email: ***
We will close our file as a requested No call
Initial Consumer Rebuttal /* (2000, 7, 2015/07/09) */
(The consumer indicated he/she
ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2015/06/16) */
Contact Name and Title: [redacted], President
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@msgerald.com
We would surely stop calling if requested to do so. We need to know what number, to stop calling as it isn't listed in this...

complaint. If supplied we will remove it and stop calling immediately.

Initial Business Response /* (1000, 5, 2015/08/24) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@msgerald.com
We are in the process of requesting a copy of a VOD from the client. Calls will stop until we are able to provide one.
Initial Consumer...

Rebuttal /* (3000, 10, 2015/08/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
How are you able to collect on something when you yourself don't have any proper papers ? No paper work has ever been received for your company
Final Business Response /* (1000, 8, 2015/08/27) */
Also, We made our original contact on this account on 8/3/15. We sent our proper VOD letter on 8/4/15. The email we received on 8/24/15 from Mr. or Mrs. [redacted] stating "It's against the law to contact me with out sending v.o.d with in 5 days BEFOREHAND of contacting me. I will be hiring an attorney and make sure you let the original debtor know you've messed up their case" is incorrect. In the attachment of their own email states clearly that, we must send a VOD letter within 5 days of the original contact. No where does the law state that we must validate 5 days beforehand.