Medicredit, Inc.

We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaint. The requested documents are being sent via fed-ex to the consumer’s address today.  We hope this resolves the consumer’s complaint.  Should the consumer need anything...

additional please have them contact our office directly.

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 29th, 2016 by our client, [redacted]. The Medicaid information provided has been sent to our billing offices. Please allow at least 30 days for the insurance to be billed and responded too. If the consumer needs further assistance please have them contact our office directly. Thank you.

Complaint: [redacted]
I am rejecting this response because:
The "client reference number" I have been given regarding this matter is [redacted]. I still have not received ANY correspondence from anyone at this organization. I am planning to file a complaint with the FTC on Monday as I do not believe there is actually anyone working to resolve this and as of yet nothing productive has come from this Revdex.com complaint. My credit is being ruined for a debt I have paid, a debt that I was making regular payments on, and then I was told it needed to be paid in full or it would be reported to the credit bureau. I paid it in full to AVOID it hitting my credit, and now here I am with a score that has dropped **73 points** due to this. This is COMPLETELY UNACCEPTABLE and it will take me several months if not over a year to get back to good standing. All of the MediCredit calls are recorded, or at least the employees state the calls are recorded, so why has this now been an issue for over TWO MONTHS with absolutely no new information??
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 11/13/2017 by our client, [redacted]...

[redacted]. A packet has been mailed to the address [redacted] Terre Haute, IN 47802, 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.

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 October 18th, 2015 by our client, [redacted]...

[redacted].  Our records indicate the following payments were received and applied to the consumer’s account: 11/19/2015-$1,738.74, 01/29/2016-$1000.00, 01/29/2016-$1,882.74.  At the time of the last payment the account in question was closed in our office.  We do show that our office has spoken with the consumer recently and advised the credit reporting has been updated to paid in full and that we would be unable to submit a deletion, but do not see any records of the consumer indicating an additional payment was made. Our office would gladly assist the consumer in researching the additional payment of $4400, if the consumer could please provide proof of payment (copy of canceled check, credit card receipt, etc.) we will fully investigate this matter.  Should the consumer need anything further, please contact our office.  Thanks you.

We are in receipt of the complaint filed by [redacted] M [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 06/04/2017 by our client, [redacted]...

[redacted]. A packet has been mailed to the address [redacted] to provide validity of the debt owed to our client, [redacted]. The account has been placed on hold to allow time for the consumer to receive and review the documentation. 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 11/20/2017 by our client, [redacted]...

[redacted]. Per review of the consumers account there was a payment made in the amount of $143.41 and the account was closed out of Medicredit. The consumer may have had other accounts that are no longer with Medicredit, records show that the consumer called in on these accounts on 02/26/2018 and was provided the client number in order to inquiry about any balances that may be owed. At this time we are not locating any other accounts with Medicredit under the consumer’s name. If the consumer needs further assistance please have them contact our office directly or [redacted]. 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 February 11th, 2015 by our client, [redacted]...

[redacted]. A packet has been mailed to the address [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.

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 17th, 2015 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.

Complaint: [redacted]
I am rejecting this response because:r made aware  § 809.  Validation of debtsI do no not accept this I was never made notice of this account until you reported it to the credit agency's!  I was never notified of any debt owed to [redacted] until your company reported this to my credit. And all my calls made to your office I was willing to pay this account in full as long as you remove this illegitimate debt from transunion, equifax and experian. I talked to [redacted] and they said that will be up to your office to decide weather to show as paid in full or delete. The day this reported to my credit was the first day I was ever made aware that my insurance never paid this account. Please understand I want to pay this account in full today will the intentions of your company removing this account from my credit because I had no past knowledge that I owed this. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --(1) the amount of the debt;(2) the name of the creditor to whom the debt is owed;(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
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 06/01/2017 by our client, [redacted]. On 10/24/2017, Mr. [redacted] called in to pay in full the debt owed. Per review of the call there was no mention of a letter. On 10/26/2017, Mr. [redacted] called in requesting a payment in full letter. The consumer stated that they were in the processes of buying a house and needed a payment in full letter. Per review of the account a payment in full letter was sent out. Further review of the call did not find a request for deletion of credit reporting. At this time we show that the credit reporting has properly been updated to reflect as paid in full. 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 accounts in question were placed with our office 10/16/2015, 04/08/2016, 04/08/2016, 04/15/2016 and...

08/20/2016 by our client, [redacted]. A packet has been mailed to the address [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.

We are in receipt of the complaint filed by [redacted] M [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.

We are in receipt of the complaint filed by [redacted] and have thoroughly investigated this matter.  Due to HIPAA restrictions regarding communications containing protected health information we are unable to fax the requested statement.  However according to our records, on April...

15th, 2016 a receipt was mailed to the consumer for their records, we are mailing out an additional copy of that correspondence today, as it seems the consumer has not received it at this time.   We apologize for any inconvenience experienced by the consumer. We hope this resolves the consumer’s complaint, should anything further be needed please feel free to contact our office.

Complaint: [redacted]
I am rejecting this response because: This response is not acceptable:  Per Medicredit response - We are in receipt of the complaint filed by ____ 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 17th, 2015 by our client. 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. Why should it take 7 months to clear this matter when you have received the document from the hospital saying this was identify thief.  You company Medicredit from Charlotte NC  sent a letter to me on July 12, 2016 saying this case was closed and that all was cleared with the hospital.  So why do you need time to  research this matter when your own company Medicredit has already sent us a letter saying this is all clear??? However, your company Medicredit takes this off of my credit report and then puts it back on the my credit report, takes it off of my credit report again and puts it back on.  It is crazy... One week it if off and then someone in your department turns around and adds it back on the credit report.  This thief identify has made my credit score drop so much I can't even get a loan for school.  I don't understand if you took it off who in your department turns around and adds it back.  Please go by the letter that your company sent me and the hospital and keep it off.  I can attach a copy of the letter that you/your company sent me stating that and I quote...This is no longer active in our system.  The account has also been deleted from any credit reporting agencies.  The audit control number of that notification ______ .Our client (the hospital) has notified us to cancel and return this account.  This account is no longer in our system.  When you call Medicredit you only get the voice mail never anyone to speak to.  The last call that I made the girl said the letter was sent in 2015 to me saying all was clear apparently she was not looking at your system I received the letter on July 14, 2016 however either way you company has not taken care of this matter.  Please do your job as stated in the letter that you sent me.
Sincerely,
[redacted]

Initial Business Response /* (1000, 5, 2015/05/22) */
We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaint.
On August 20, 2014 our client, [redacted] Hospital, placed an account with our office in the amount of $100.00, from a date...

of service of March 22, 2014. On August 21st, 2014 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.
On February 25, 2015, Mr. [redacted] called into our office and spoke with an agent to obtain the balance of this account as well as other accounts Mr. [redacted] has placed with our office.
On March 17, 2015 our office received a letter from Mr. [redacted] regarding this account and he was mailed an Itemized statement from our client showing the charges for this account, in accordance with requirements for debt validation per the FDCPA.
On April 27, 2015 our client, [redacted] Hospital, placed an account with our office in the amount of $100.00, from a date of service of October 11, 2014 for a patient, [redacted]. On April 28th, 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.
On May 1, 2015 our office received a letter from Mr. [redacted] regarding this account and he was mailed an Itemized statement from our client showing the charges for this account, in accordance with requirements for debt validation per the FDCPA.
Attached is documentation signed at the facilities at the time of service for each account. Once Mr. [redacted] receives this information, please feel free to have him contact our office to discuss resolution of the accounts in question.

Initial Business Response /* (1000, 5, 2015/12/30) */
Our office is in receipt of the complaint filed by [redacted]. We apologize for any inconvenience experienced by Ms. [redacted]. According to our records Ms. [redacted] number was provided as a contact number by a patient for an account in our...

office and On December 16th, 2015, we spoke to the wife of the person we were attempting to contact, who indicated this was her phone number. Our office apologizes for any inconvenience experienced by Ms. [redacted].

Complaint: [redacted]
I am rejecting this response because:This company has not made any attempt to contact me about this debt that they are claiming that I owe. They claim that they are reporting on behalf of Pearland regional hospital for a debt that is mine, this is unacceptable and against the law. Pearland regional hospital is not reporting on my credit report this company Medicredit is and they are reporting this in accurate information on all 3 of my credit reports and I wanted this deleted from all 3 credit bureaus immediately. By law this company has to prove that I owe a debt to this company and they have still failed to do so. I HAVE NOT RECIEVD ANY DOCUMENTATION PROVEN THAT THIS IS A DEBT THAT I OWE, AND NOTHING WHERE I SIGNED FOR THE SERVICE TO THIS HOSPITAL THAT THEY CLAIM TO BE REPRESENTING. They can not do this it is against the law, and any information that they can not prove and prove to me that this is in fact my debt, needs to be deleted asap. As a result this inaccuracy on my credit reports are affecting my ability to obtain liable credit and my character. Also this company states that they have updated my credit report as disputed, again they have violated my rights and are not providing with the FCRA regulations, that they have to show proof of my signature that this is a valid debt and that it is a debt that I owe. I do not owe this debt, this does not belong to me, you have the wrong person, and unless you have my signature on any documentation as proof, I ask that this be deleted asap on Transunion, Equifax, and Experian immediately. 
Sincerely,
[redacted]

We are in receipt of the complaint filed by [redacted] and have thoroughly reviewed this matter.  On September 18th, 2015, our client [redacted]...

[redacted] care placed three accounts with our office for collections.  Account [redacted] from a date of service of 04/08/2015 in the amount of $50.00, Account [redacted] from a date of service of 04/22/2015 in the amount of $50.00, and account [redacted] from a date of service of 05/13/2015 in the amount of $20.00. On September, 20th, 2015 a letter advising Ms. [redacted] of the accounts being placed with our office was sent to the address provided to the client at the time of service. Per our agreement with our client, balances over $25.00 are reported to the credit reporting agencies after 90 days without payment.  On February 27th, 2016, our client [redacted] Primary placed an additional account with our office from a date of service of October 2nd, 2015 in the amount of $5.00.  On February 28th, 2016, a letter was sent to Ms. [redacted] at the address provided at the times of service.  Our client advised a payment of $12.50 was applied to account [redacted], leaving a balance of $37.80 for that account, which makes the balance of all open accounts in our office at this time $112.80.  We have contact our clients, who advised that any insurance provided has been billed and that the remaining balance is patient responsibility. We recommend the consumer reviews the explanations of benefits that should be provided  by her insurance company.    We have notated that the consumer’s is disputing the balances and have requested copies of the itemized statements and will mail them to the consumer as soon as they are received from the health provider facilities.  We hope this information helps the consumer to resolve these matters.  Should anything further be needed, please feel free to contact our office directly.

Initial Business Response /* (1000, 5, 2015/08/06) */
We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaint. On March 16, 2015, Our client, [redacted] Medical Center placed the account in question with our office for collections. On...

March 17th, 2015 a letter advising Mr. [redacted] of the account being placed in our office was mailed to the same address Mr. [redacted] has listed as contact information on this complaint. On March 28th, 2015, Mr. [redacted] contacted our office and provided his insurance information and at that time we provided all necessary information for Insurance processing to our client. On July 8th, 2015 our client recalled the account in question from our office, and on July 19th, 2015 a deletion was submitted to all credit reporting agencies. We apologize for any inconvenience experienced by Mr. [redacted]. Should the consumer have any further questions specific to this account, please have him contact [redacted] Medical Center, as the matter is now closed in our office. Thank you.