Medicredit, Inc.

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.
Sincerely,
[redacted]

We are in receipt of the complaint filed by [redacted] and have thoroughly investigated this matter.  We apologize for the lack of response to the consumer’s letter, as stated on the letter sent to the consumer there are separate addresses for payments and correspondence to be sent,...

therefore the consumer’s letter was not processed in the correct manner.  The account in question was placed with our office on June 9th, 2016 and per our agreement with our client, [redacted], any balance remaining 45 days after placement are reported to the credit reporting agencies, regardless of payments made on the account.  We apologize for any poor customer service experienced by the consumer and have asked for our quality department to review all interactions the consumer had with our office to ensure all agents are delivering the expected level of customer service.  On July 21st, 2016 the consumer spoke with our office and requested no additional calls be made to her and at that time her account was documented accordingly.

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.

We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaint.  On February 29th, 2016 an error was made in processing the consumer’s payment, a refund was requested and processed the very same day.  On March 9th, 2016, our office was...

advised the consumer’s financial institution had requested a chargeback of the transactions as well, resulting in the consumer receiving a full refund from our office as well as the chargeback of the charge.  Since that time we have been able to resolve the confusion with the consumer’s financial institution, and have the correct balance of $303.00 left remaining on the consumer’s account, which was confirmed with the consumer during a phone call with our office yesterday, April 4th, 2016.

We are in receipt of the complaint filed by Michael Ross 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 06/22/2017 by our client, [redacted]. We are currently...

working diligently with our client, to resolve the consumers concern. We are requesting additional time to fully research this matter to reach an acceptable resolution. Thank you.

Complaint: [redacted]
I am rejecting this response because:I have left several messages with the business and have not been successful in reaching anyone.  With regards to the account, Business in partially accurate.  Care Now was unable to process payment and advised that a statement would be sent.  Once statement was received it was for twice the amount.  A call was placed to Care Now and a new statement was promised but never received.  No Further communication has been received.  I am happy to pay the account if the agency wishes to contact me.  I do require acknowledgement from the agency that this account has been flagged as a dispute, and that no information has been furnished to a credit reporting agency.
Sincerely,
[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 me.
Sincerely,
[redacted]

Please confirm the account number in question. After review, we located several accounts for patients with this name combination. Thank you.

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 08/31/2017 by our client, [redacted]. On 09/05/2017 our office mailed a notice of the account being placed with us to the consumer at the address provided at the time of service, leading us to believe this was the consumer’s valid address. Per our agreement with our client, [redacted], we began reporting to the credit reporting agencies, 10/05/2017. We are in the process of mailing out a debt validation to the consumer at the address provided on the Revdex.com portal. If the consumer needs further assistance please have them contact our office directly. Thank you.

We are in receipt of the complaint file by [redacted] and have thoroughly reviewed this matter. We apologize for any confusion or inconvenience experience by the consumer. After review, a debt validation request has been mailed. Our office would like to discuss the account with you, however you...

have instructed us to not call you. Please call our office at [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 07/24/2017 by our client, [redacted]...

[redacted]. Due to the complainant stating that they wish to not receive any more contact from the business in their Revdex.com complaint our offices are legally unable to send any documents or communications. If the consumer needs further assistance or would like to discuss this matter please have them contact our office directly. Thank you.

Initial Business Response /* (1000, 23, 2015/11/17) */
We are in receipt of the complaint filed by Ms. [redacted]. Our records indicated the account in question was removed from our office by the client, [redacted] in September of 2015. We also show that that this information was...

forwarded to the California Revdex.com on 09/08/2015. We apologize for any delay or inconvenience experienced by the consumer.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11549326, and find that this resolution is satisfactory to me.
Sincerely,

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 April 9th, 2016 by our client, [redacted]...

[redacted]. We are currently working diligently with our client, to resolve the consumers concern. We are requesting additional time to fully research this matter to reach an acceptable resolution. Thank you.

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 December 27th, 2016 by our client, [redacted]. Per the requirements by the FDCPA our office has provided all necessary documentation that is required by law to the complainant to prove the validity of the debt owed. The owners of the debt in question is still our client, [redacted]. Our offices work with the client, [redacted] per our contract agreement to assist in the resolution of the debt owed to them. Due to the previously mentioned information our office is not required to have a contract between our office and the complainant. If the consumer needs further assistance please have them contact our office directly. Thank you.

Complaint: [redacted]
I am rejecting this response because:Although a business has as legal right to operate as they deem necessary in alignment with all state and federal laws, reporting a balance to the credit bureau once an payment arrangement has been made and maintained still appears to be a very unfair and damaging practice for the consumer.  If the payment arrangement was not maintained by the consumer as agreed upon, THEN I can see the justification for credit reporting.  Medical expenses are already exorbitant and oftentimes burdensome upon consumers as it is difficult to pay balances in full.  Then to turn around and have the company blemish your credit report, which causes hardships in many other areas, is penalizing.  This practice should be reevaluated and stopped.  Thank you for your time and patience in addressing my concern
Sincerely,
[redacted]

At this time we are showing the complainant’s account was reported as “Paid in Full’ on March 19, 2017. If this is not reflecting on the complainant’s credit report please confirm and we will submit a request to have this corrected. We apologize for any inconvenience the complainant may have...

experienced when requesting the Itemized State. We will further investigate this error. Due to the account now reflecting as “Paid in Full” our office no longer has access to submit an Itemized Statement, the complainant would need to contact our client, [redacted] directly to request a statement. Thank you.

We are in receipt of the complaint filed by [redacted] and have thoroughly investigated the complaint.  Due to the nature of the consumer's concerns we have closed and returned the account to our client, [redacted].  A deletion will be submitted to the credit reporting...

agencies within 10 business days.

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.  Our payment system does not allow for e-checks to be refunded directly into someone’s account. A refund check...

has been requested to be sent to the consumer’s address listed on this complaint, please allow 7-10 business days for processing and mailing.

We have taken the time to review the complaint from Ms. [redacted]. After review, we show that Ms. [redacted] was seen at the facility at the date in question. Validation of the debt was mailed to her. Additionally, we mailed a letter on 5/8/17 asking her to contact our office as we need further information on...

her dispute. The account will be reported as disputed. However, we stand by the facility records that the debt is owed.