Medicredit, Inc.

Initial Business Response /* (1000, 5, 2015/08/14) */
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. We have communicated Ms. [redacted] dispute to our client,...

[redacted] of [redacted] Our client, has indicated that they believe they have the proper responsible party listed on this account and have provided the Consent signed by the consumer on January 20th, 2015, we have attached the document to our response to this complaint. Please have the consumer contact our office directly should she have any further questions or concerns.

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 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 09th, 2016 by our client, [redacted] [redacted]. The required information from our office for a debt validation has been mailed to the address on file with our office that is also the address listed as a point of contact for the complainant. If the consumer needs further assistance please have them contact our office directly. Thank you.

We are in receipt of the complaint filed by Jermaine Ferguson and have thoroughly reviewed this matter.  We apologize for any confusion or inconvenience experienced by the consumer. The accounts in question were placed with our office on 02/25/2016, 12/05/2016, and two on 07/04/2017 by our...

client [redacted] and [redacted] MEDICAL CENTER. A packet has been requested and will be mailed to the address [redacted] SPARTANBURG, SC 29302 to provide validity of the debt owed to our client. Per our agreement with our client, we began reporting to the credit reporting agencies, on 04/08/2017 and to date the reporting is correct. If the consumer needs further assistance please have them contact our office directly. Thank you.

Initial Business Response /* (1000, 5, 2016/01/12) */
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. We have submitted a deletion to the credit reporting agencies...

with a control number of XXXXXXXXXXXXXXXXX. We hope this resolves the consumer's complaint, should the consumer have any further questions/concerns, please feel free to have them contact our office directly.
Initial Consumer Rebuttal /* (2000, 7, 2016/01/12) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I appreciate the Revdex.com's assistance with this issue. Also, I appreciate Medicredit's prompt response in addressing my concern. 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 12/04/2013 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. If the consumer needs further assistance please have them contact our office directly. Thank you.

We have reached out to our client to confirm the consumer's claim that the account has been paid.  We have not received a response from our client yet, and due to the holiday, we are requesting an extension on this complaint to allow time for us to fully research.  Thanks in advance

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 November 22, 2016 by our client, [redacted]...

[redacted]. On November 26th, 2016 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. This is also the same address provided in this complaint as a point of contact for the complainant. Per our agreement with our client, [redacted], we began reporting to the credit reporting agencies, on January 22nd, 2017. Due to valid notice of the debt being sent to the correct address for the complainant we will be unable to remove the Credit Reporting or issue a refund of the payment made March 30th, 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 thoroughly investigated this matter.  We have been unable to locate a payment matching the consumer’s description.  If she could please provide a copy of the canceled check we will be more than happy to fully investigate...

this payment and take all measures necessary to resolve this matter.   We have our IT department checking into the issues Ms. [redacted] indicated she has experienced in being transferred to a voicemail, we are also looking into Ms. [redacted]’s claims that our office has failed to return her calls, and will address this with the appropriate members of our office.  We sincerely apologize for any inconvenience experienced by the consumer, and hope to resolve her complaint as quickly as possible.  Ms. [redacted] can fax the documentation to [redacted].

Complaint: [redacted]
I am rejecting this response because:
Changing the address on file now does not solve the issue. The address should have been updated long ago so that I could properly be aware of the debt before you reported to the CRAs. As I stated before, failure to properly notify me was a violation of of rights under the FDCPA Collection Practice policy. I would like for this negative item and account to be removed from all of the CRAs. I am willing to make payment plans with the original creditor (the hospital) because MEDICREDIT has not shown me adequate customer service. The correct address was never updated despite numerous attempts and nobody heard my complaints regarding lack of notification of the debt prior to putting the negative item on my credit report. I would like it removed and then I would like them to give me the proper chance to pay it off.
Sincerely,
[redacted]

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 on 08/01/2017 by our client, [redacted]...

[redacted]. On 08/07/2017 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 10/24/2017. Currently the account is reporting correctly to the credit agencies as a collection account. A packet has been mailed to the address [redacted], [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.

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 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 07/17/2017 by our client, [redacted]. Once an account is paid in full, a paid in full notification is sent to the credit agencies. We are not able to update the credit reporting to a deletion. If the consumer needs further assistance please have them contact our office directly. Thank you.

Initial Business Response /* (1000, 7, 2016/03/09) */
We are in receipt of the complaint filed by Mr. [redacted] C. [redacted] and have taken the time to thoroughly review the complaint. The account in question was placed with our office on September 29th, 2015, by our client, [redacted] Medical Center. A...

notice notifying Mr. [redacted] of the same was mailed on September 30th, 2015, to the same address listed on this complaint. Our office began reporting the account to the credit reporting agencies on November 29th, 2015 per our agreement with our client, [redacted] Medical Center. The client has notified us that the account in question was paid in full directly to their office, on January 11th, 2016. 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 Mr. [redacted] have any further questions regarding this account please feel free to have her contact our office.
Initial Consumer Rebuttal /* (3000, 10, 2016/03/09) */
(The consumer indicated he/she DID NOT accept the response from the business.)
[redacted] had advised I turn the account to the health insurance as there was not a payment on the account from the insurance, at that point I waited to hear back from [redacted] regarding the account. I have also placed a complaint against [redacted] as well. When the insurance paid their part, I paid my part. Medicredit is a joke and will continue to report them in other means until this is taken off my credit report.

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 June 23rd, 2016 by our client, [redacted]...

[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. In addition our client, [redacted] has requested the account be placed back in their offices. If the consumer needs further assistance please have them contact [redacted]. Thank you.

Complaint: [redacted]
I am rejecting this response because: The collection account is removed from Experian and Transunion only. The collection MUST be removed from Equifax as well for me to accept business response.  
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because: This is not my account. It is severely damaging my credit. I do not know either of these entities nor do I have or have had any contracts with them. I need this information to be deleted off of my credit files from all three bureaus (Transunion, Equifax and Experian) right now. My next step is litigation. 
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because: This is a joke? They are calling me! They call me two to three times a week! Again Tran Union has already removed this account from collection because of the data I sent them Which They Sent to Medicredit. How can they not have my information? I am not sending them anything at this time because I believe that this is a scam on their part. Again I am asking the Revdex.com if you are rating them Good how can that be possible? They are calling, Tran Union has already contact them and has removed the collection from my credit report but they cannot locate my files.
Sincerely,
[redacted]

We are in receipt of the complaint filed by Ms. [redacted] and have thoroughly reviewed this matter.  We apologize for any confusion or inconvenience experienced by the consumer. The accounts in question were placed with our office on 01/05/2016 by our client, [redacted]...

[redacted]. On 01/06/2016 our office mailed a notice of the accounts 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 the phone call that was made to the consumer the address has been updated and a request for a new statement was sent. 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. Please provide the phone number that you are being contacted at so our offices may better review the...

matter to provide the best possible resolution. If the consumer needs further assistance please have them contact our office directly. Thank you.