Medicredit, Inc.

We are in receipt of the complaint filed by [redacted] and have thoroughly reviewed this matter.  We apologize for any confusion or inconvenience experienced by the consumer. Unfortunately, we are unable to locate an account with the information provided. Please provide...

additional identifying information for the Consumer’s account. Some items that may be of assistance are account numbers, address statements are being sent to, and the name of the individual listed on the account or statements. If the consumer needs assistance identifying this information please have them contact our office directly. Thank you.

Complaint: [redacted]
I am rejecting this response because: Please see below.This is an email I wrote to [redacted] on November 5,2017, I have not received a response. In response to me calling your office to get further assistance with this matter, I have,  please refer to the email below.  This will explain the treatment I have received from MediCredit. If you have a particular contact person, phone number, email address for this individual who I can speak to, who can resolve my credit issue, would be great in your next response.[redacted],I am writing to you regarding the treatment I have received from your company where you hold the position as a compliance officer. In June 2017 when I initially received a letter from Medicredit notifying me of an outstanding bill with [redacted] I immediately called to find out how they received the file when it was in dispute with [redacted]. I received information regarding my file and was told it was out of dispute with [redacted] and my file was transferred to MediCredit office. I asked if MediCredit reports to the credit bureau and was told yes.  I was also explained that MediCredit will send out 7 invoices/mailings before it is reported to the credit bureau.  I asked if a dispute could be put in on my behalf because my dispute with [redacted] was not resolved, I was told yes.  On September 17, 2017 I ran my personal credit report and seen MediCredit as a debt owed.  I called MediCredit on Sept. 19, 2017 and spoke to representative [redacted], she explained to me that my file was out of dispute in June 2017.  I told Ms. [redacted] my account was just put in dispute in June 2017, she explained a letter was sent to me on June 30, 2017 requesting more information about my dispute, I never received a letter.  I asked how we could resolve this issue and have it taken off my credit report as I am wanting to set up payment arrangements as I never had this option as it has been in dispute.  She advised that I could put my file back in dispute but could not guarantee me that it would be taken off my report.  She said it may take 24 to 48 hours for her to get back with me, I never heard back.  I called Ms. [redacted] back at [redacted] and left a message, I never received a phone call back.  I called again on Oct. 5 and after speaking to 3 reps I was finally transferred to Ms. [redacted] who informed me that she was not able to resolved my issue.  I then asked to speak to the director of the department and was transferred to [redacted] at  x[redacted].  When I spoke to [redacted] he told me he would look through my file and get back to me in 24 to 48 hours, I never heard back from him.  I called back again on October 23, 2017 and spoke to [redacted] and [redacted] who then transferred me to [redacted].  [redacted] explained to me that he was not able to resolve my issue and provided me with [redacted]'s information, [redacted].  I spoke to [redacted] the same day and he told me he would look through my file as he is the Director of collections and get back with me.  [redacted] as well did not return my call so I called him back on October 31, 2017 and he explained to me that it was out of his hands and he spoke to his compliance office and the debt will remain on the account.At no time during my conversations did any of your representatives ask me if I was wanting or willing to resolve the debt.  My purpose of this email is to set up arrangements with MediCredit, as I was not given this option. I have taken responsibility of this debt but my issue is MediCredit not giving me the option to resolve this matter before it was put on my credit report.  As stated on MediCredit's Revdex.com status report, MediCredit is to call its consumer at least one time before a credit bureau reporting and I never received a phone call from your office. I would like for you to contact me to discuss this matter, have this debt reversed off my report and to set up payment arrangements.
Sincerely,
[redacted]

We are in receipt of the complaint filed by [redacted] and have thoroughly reviewed this matter.  We again apologize for any confusion or inconvenience experienced by the consumer. The account in question was placed with our office on 07/20/2017 by our client, [redacted]. A request was made to have a customer service phone call made to the consumer in regards to their concerns. As stated in the initial complaint per our agreement with our client, [redacted], we began reporting to the credit reporting agencies, on 09/03/2017. Credit reporting at this time is showing correctly as paid in full.  If the consumer needs further assistance please have them contact our office directly.

Initial Business Response /* (1000, 5, 2015/06/25) */
We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaint. On April 10th, 2015 our client, [redacted] Medical Center placed an account with our office in the amount of $2,51336, from a date...

of service of December 28th, 2014. On June 12th, 2015 our office received a letter from Mr. [redacted] indicating he disputed this debt, at that time credit reporting was updated to reflect the account is being disputed, however in that same letter Mr. [redacted] indicated "I do not wish to receive further telephone calls or letters concerning this debt" which prohibited us from communicating further with Mr. [redacted] in order to address his dispute and concerns.
I have attached the consent signed by Mr. [redacted] on the date of service. Should Mr. [redacted] wish to discuss the account further, please feel free to have him contact our office directly.

01/02/18
(11:05 am) Mediator left a voice message
for [redacted] to return my call.01/09/18
(09:55 am) Mediator left a 2nd
and final voice message for [redacted] to return my call.

Complaint: [redacted]
I am rejecting this response because: I have not received any receipt from your company regarding my payment and I spoke with Equifax, Transunion and Experian: They performed a "hard record update search" which would reveal if you truly have updated my credit info, and told me that YOU HAVE NOT UPDATED MY CREDIT INFORMATION. SEND ME MY PAYMENT RECEIPT AND UPDATE MY CREDIT REPORTS.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because: This issue has been listed as an error since 2013. This is hurting my credit worthiness and I have advised the company of the error to which they refused to remedy the problem. This should have never been placed on my credit report and I am requesting that it is removed immediately in accordance to the FCRA.
Sincerely,
[redacted]

We are in receipt of the complaint filed by [redacted] and have thoroughly reviewed this matter.  We apologize for any confusion or inconvenience experienced by the consumer. The account in question was placed with our office on 10/06/2016 by our client, [redacted]. ...

The consumers call that took place on 01/04/2018 was reviewed and the consumer asked during the call if credit reporting would be deleted, the consumer was advised that we do not delete credit reporting but do update reporting to paid in full. The consumer stated that he understood and agreed to pay the account. Per review of the account credit reporting is reported correctly. If the consumer needs further assistance please have them contact our office directly. Thank you.

We are in receipt of the complaint filed by [redacted] [redacted] and have thoroughly reviewed this matter.  We again apologize for any confusion or inconvenience experienced by the consumer. A receipt was mailed on 10/09/2017 to the address in which the consumer provided. An updated credit reporting was also submitted on 10/09/2017. If the consumer needs further assistance please have them contact our office directly. Thank you.

We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaint. The account in question was placed with our office on September 8th, 2015, by our client, [redacted] Medical Center.  A notice notifying [redacted] of the same was...

mailed on September 9th, 2015, to the address that was provided to our client at the time of service, this is also the same address listed on this complaint as contact information for the consumer, leading us to believe this is the valid address for [redacted]. Various attempts were made to contact the consumer via phone calls made to the phone number that was provide to our client at the time of service, [redacted].  Our office began reporting the account to the credit reporting agencies on November 29th, 2015 per our agreement with our client, [redacted]l Medical Center.  On February 9th, 2016 our client, requested the account be closed in our office and returned to their office, on February 14th, 2016 we transmitted a deletion to all three credit agencies regarding this account since the account is no longer with our office.  If the consumer has any additional questions regarding the account, we urge them to reach out to the client, [redacted] Medical Center, directly.

Initial Business Response /* (1000, 7, 2015/09/01) */
We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaint. We apologize for the delay in response, and we have been actively working with our client and the Insurance company to...

resolve this matter. Upon receipt of Ms. [redacted] complaint we advised our client, [redacted] Hospital of the consumer's concerns. Since that time they have been in communication with the consumer's insurance company to rectify the discrepancy on the account. At this time, our client is still in communication with [redacted] and the Rx Plan provider, [redacted] Our client has asked that we place the account on hold until they are able to reach resolution with the insurance.

Yes, please have my company removed from collection and any credit reporting on my credit report, if any.  Thank you. [redacted]

Initial Business Response /* (1000, 5, 2016/02/22) */
We are in receipt of the complaint filed by Ms. [redacted] and have taken the time to thoroughly review the complaint. The account in question was placed with our office on October 14th, 2015, by our client, [redacted] A...

notice notifying Ms. [redacted] of the same was mailed on October 15th, 2015, to the address on file with the client from the date of service. Our office began reporting the account to the credit reporting agencies on November 29th, 2015 per our agreement with our client, [redacted] Hospital. The client has notified us that the account in question was paid in full directly to their office, on January 15th, 2016, after Ms. [redacted] spoke to our office and was unhappy with being told the account would not be deleted upon payment. Under the FCRA, payment is not a permissible reason to delete an account from the Credit Reporting agencies, however at this time, our office has reported the accounts as paid in full as indicated previously. Should Ms. [redacted] have any further questions regarding this account please feel free to have her contact our office.

Initial Business Response /* (1000, 5, 2015/10/27) */
We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaint. We apologize for any inconvenience experienced by the consumer. Our client, [redacted] placed the account in...

question with our office on August 20th, 2015, for patient, [redacted] On August 21st, 2015 a letter advising the consumer of the same, was sent to the same address listed as contact information on this complaint. There has also been multiple phone attempts to contact the consumer at the telephone number provided to the client at the time of service. Credit reporting on the account in question did not initiate until October 18th, 2015. To prevent unnecessarily attaching protected health information the consumer's request for validation of this matter will be sent via mail. We hope this resolves the consumer's complaint, should she have any further questions or concerns, please feel free to have her contact our office regarding the same.
Initial Consumer Rebuttal /* (3000, 7, 2015/10/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Delete until I receive validation you have already violated my hippa privacy by contacting and sending information to whom received it.

We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaint. A deletion has been submitted to the credit reporting agencies with a control numbers of XXXXXXXX. Please contact our office with any further questions or concerns.

We are in receipt of the complaint filed by [redacted] and have thoroughly reviewed this matter.  We apologize for any confusion or inconvenience experienced by the consumer. The account in question was placed with our office on February 4th, 2016 by our client, [redacted]...

[redacted] Hospital Plano. The request for the Credit Reporting Agencies to update the status as Paid in Full was sent as of 03.31.2016 with control number [redacted]. We have requested a confirmation letter to be mailed to the consumer at the address currently listed on the account. If the consumer needs further assistance please have them contact our office directly. Thank you.

Complaint: [redacted]
I am rejecting this response because: I feel this should have never been reported to the credit to start with. 1 I was paying monthly payments as to what I could afford and 2 I was never informed that if the balance wasn't paid in full in so many days it would be reported to my credit. I feel that I was penalized and this report has damaged my credit when I had a 740 Before this company decided to hit my credit without informing me of this if it wasn't paid in full  Yes I have paid the balance In full and it doesn't matter that they have sent its paid in full. This is wrong and people who are paying there medical debt should not be penalized. I am paying other medical bills that have been sent to collections bc they are over a year old and most hospitals or doctors don't hold the accounts open that long  and no other company has turned it in on my credit as long as I make monthly payments. Which I also did with this company. So no I am not satisfied with there attempt to make things right at all. 
This needs to be completely removed from my credit period. 
Sincerely,
[redacted]

Requesting additional time to respond, as our client is checking into the consumer's concerns regarding insurance  billing.

We are in receipt of the complaint filed by [redacted] [redacted] and have thoroughly reviewed this matter.  We apologize for any confusion or inconvenience experienced by the consumer. The account in question was placed with our office 12/27/2013 by our client, [redacted]. On 09/15/2017 letter was received from consumer requesting documentation for date of service. On 10/04/2017 our office mailed an itemized bill to the consumer to fulfill the request of services provided to the consumer per request. If the consumer needs further assistance please have them contact our office directly. Thank you.

Initial Business Response /* (1000, 5, 2015/06/23) */
We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaint. According to our notes on June 4th, 2015 payment in the amount of $65.00 was authorized from the mentioned account for...

payment of an account placed with our office from [redacted] Medical Center (E Houston). At this time the payment has been returned and the consumer's balance is currently $65.00, please feel free to contact our office to discuss this account.