Medicredit, Inc.

Initial Business Response /* (1000, 5, 2015/10/29) */
We are in receipt of the complaint filed by Mrs. [redacted] and have taken the time to thoroughly review the complaint. Upon receipt of this complaint a review of the account in question was made and all calls were audited. Mrs. [redacted] was...

informed September 30, 2015 when she spoke with our office that upon receipt of payment, the credit reporting would be updated to reflect "paid in full" status, not deleted. 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 to Mrs. [redacted] on September 30th, 2015. The accounts in question were placed with our office by [redacted] Health Center on January 15th, 2015, notices were mailed to the consumer, at the same address listed as contact information on this complaint on the following dates: 01/16/2015, 03/27/2015, 04/16/2015, 05/18/2015, & 06/18/2015. Should Mrs. [redacted] have any further questions regarding this account please feel free to have her contact our office.

Initial Business Response /* (1000, 5, 2016/02/03) */
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] Med Group, placed the...

account in question with our office on August 8th, 2012. At that time a letter advising [redacted] of the same, was sent to the address provided to our client at the date of service. We do show that the consumer did speak to someone in our office in 2012 and in 2013, but have not been able to make contact with the consumer since that time. In order to address Ms. [redacted]'s complaint, a deletion has been submitted to the credit reporting agencies with a control number of XXXXXXXX. We are also mailing Ms. [redacted] a deletion letter to retain for her records. We hope this resolves Ms. [redacted] complaint, should she have any further questions or concerns, please feel free to have her contact our office regarding the same.

We are in receipt of the complaint filed by Miss [redacted] A [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 August 21st, 2016 by our client, [redacted]...

[redacted]. On October 23rd, 2016 the account reported to the Credit Bureaus as a Paid in Full status. Unfortunately paying an account in full does not validate the deletion of the credit reporting entirely per out contract with our client, [redacted]. If the consumer needs further assistance please have them contact our office directly. Thank you.

Complaint: [redacted]
I am rejecting this response because: I have sent two letters to MediCredit in regards to the account being removed from my credit report. I reached out to all three reporting credit bureaus, who stated that the agencies who report can also ask for the accounts to be removed once paid in full. I am asking that although it is not MediCredit’s routine practice to remove items from peoples credit reports, to please remove the paid in full account from my credit report. I am in the process of buying a home and this account is greatly impacting my score. 
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 07/20/2017 by our client, [redacted]...

[redacted]. On 07/25/2017 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, 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. Thank you

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. I contacted Equifax and I have reviewed the MediCredit collection mark on my credit has been removed from all three credit bureaus.
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 [redacted] by our client, Overland Park Regional...

Medical Center. On [redacted], [redacted] and [redacted] record shows a mailing notice of the account was sent to the Consumer at the address provided at the time of service, leading us to believe this was the consumer’s valid address. We show that the consumer made a payment on [redacted] in the amount of [redacted] leaving the remaining balance of $[redacted]. An itemized statement has been requested to be sent to the consumer. If the consumer needs further assistance please have them contact our office directly. Thank you.

Initial Business Response /* (1000, 15, 2015/08/04) */
We apologize for the delay in response, we uploaded our response on 07/14/2015 but must have had an error of some type:
We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaint. On...

April 21, 2015 our client, [redacted] Medical Center, placed an account with our office in the amount of $59.50, from a date of service of March 13, 2014. On April 23, 2015 a notice notifying Mr. [redacted] of the account being placed, with our office, was sent to the same address the consumer provided as contact information on this complaint. We apologize for any inconvenience Mr. [redacted] may have encountered when contacting our office, however we have been able to confirm all of our listed phone numbers are 100% functional at this time. Thank you, and please feel free to have Mr. [redacted] contact our office if he has any additional questions or concerns. 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 06/17/2017 by our client, [redacted] In order to ensure that the highest level of customer service is provided to our consumers we have requested that a deletion be submitted to the credit reporting agencies for the account in question, and a confirmation letter is being mailed to the consumer at the address currently listed on the account. The account has been placed on a 30 day hold to allow the consumer to review the debt. 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 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 09/21/2017 by our client, [redacted]. On...

09/26/2017 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, on 02/18/2018. Per request of the consumer a debt validation will be mailed to the address of [redacted]. If the consumer needs further assistance please have them contact our office directly. Thank you.

02/05/2018: Mediator sent email to business requesting documents.02/07/2018: I have the receipt that was requested. It will follow this email and is password protected. The password to open the document is [redacted].  Please let me know if there is anything else needed.Thank you[redacted], CCCO02/07/2018: I am only seeing one other payment receipt that we have on file for this consumer. I will work  on getting a copy and double checking to see if there are any that  I am missing.02/09/2018: This is the only other receipt that we are showing for this consumer.

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. I believe the best outcome will occur  with MediCreditworking with and through both [redacted]e and the VA Fee Basis Unit in Columbia, SC.
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 08/30/2017 by our client, [redacted] - [redacted]...

[redacted]. On 08/11/2017 our office mailed a notice of the account being placed with us to the consumer at the address provided at the time of service. While our letters have been approved by the state of Nevada, we were made aware by our letter vendor that an issue was discovered on a series of letters that were sent out. We have worked diligently with our vendor to correct the issue immediately.  The issue has since been resolved and any future statements sent to the consumer should contain needed information.  We have also reviewed the balance on the account with our client [redacted] - [redacted]. Our client has informed us that the consumer on 07/31/2017 attempted to pay the balance on the account. At the time the consumer attempted to pay the balance the client was experiencing technical difficulties with the credit card machine. At that time a [redacted] - [redacted] employee by the name of Jamie advised the consumer that a statement would be mailed. If the consumer has made payment please provide a copy of the receipt so that we may further review the matter. 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 thoroughly reviewed this matter.  We apologize for any confusion or inconvenience experienced by the consumer. These two accounts in question were placed with our office on 11/21/16 and 02/22/17 by our client, [redacted]...

[redacted]. Per our agreement with our client, [redacted], we began reporting to the credit reporting agencies, on these two accounts 01/05/17 and 04/08/17. At this time these account has reported correctly to the credit agency as Paid in full on 05/14/17 for one account and 06.11.17 for the other account. If the consumer needs further assistance please have them contact our office directly. Thank you.

We apologize for any inconvenience experienced by the complainant. Our office has requested the necessary information for the debt validation request from our client. Please allow us time for the client to provide the information so we may forward it to the complainant.

Complaint: [redacted]
I am rejecting this response because: I have contacted the credit reporting agencies and even though you stated you notified them in January that the account was deleted, they did not get this notice from Medicredit.  Please immediately report this account deleted to the credit reporting agencies again.
Sincerely,
[redacted]

We are in receipt of the complaint filed by [redacted] L [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 November 29th, 2016 by our client, [redacted]...

[redacted]. Per the Blue Cross of Florida policy on file for the complainant and the Explanation of Benefits processed on August 26th, 2016. The complainants insurance has processed the claim and left the currently reflected balance in our office as patient responsibility being applied to the complainant’s deductible and co-insurance. If the complainant has additional insurance information at the time of service please have them provide the information in the portal so we may handle accordingly. The issue with the complainant not receiving calls back may be due to providing an incorrect account number and not providing the most up to date contact number for office to use. When providing the account number please remove the last three digits listed in the original complaint. The phone number listed in this complaint is currently not listed as on file, with the complainant’s permission we are willing to update this information if they choose. 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 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 12/27/2013 by our client, [redacted]...

[redacted]. A packet has been requested to be mailed to the address listed [redacted] to provide validity of the debt owed to our client, [redacted]. If the consumer needs further assistance please have them contact our office directly. Thank you.

Initial Business Response /* (1000, 7, 2015/12/29) */
We are in receipt of the complaint filed by [redacted] M [redacted] and have taken the time to thoroughly review the complaint. We sincerely apologize for any inconvenience experienced by the consumer. A deletion has been submitted to the credit...

reporting agencies with control numbers of XXXXXXXXXXXXX & XXXXXXXXXXXXX. Please contact our office with any further questions or concerns.
Initial Consumer Rebuttal /* (2000, 9, 2015/12/29) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Complaint: [redacted]
I am rejecting this response because: My dispute was with their collection practices, not with the debt. I contacted the office and told them (yet again) that I never received an mail from them. I update my mailing address then. A settlement was reached, but it was for the deletion of my account from CRAs, not an update as "paid in full", it seems the company intends to go back on their word.
Sincerely,
[redacted]