MediCredit

Complaint: [redacted] I am rejecting this response because: The company did not do an adequate job confirming where my payments have gone and I have not received a statement in monthsThey also have not contacted me since this email and I was assured that someone would contact me shortlyI also have not relieved any written communication about my account 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 consumerThe account in question was placed with our office on 07/17/by our client, [redacted] [redacted] On 07/24/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 addressPer our agreement with our client, [redacted] , we began reporting to the credit reporting agencies, on 11/19/Once an account is paid in full, a paid in full notification is sent to the credit agenciesIt is not within our practice to request deletion on accounts that are paid in full If the consumer needs further assistance please have them contact our office directlyThank 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 consumerThe account in question was placed with our office on December 19th, by our client, [redacted] ***Our records indicate that the client did not receive payments per the agreement the complainant set with our client for the months September – December resulting in our clients decision to place the account in our officeIf this is an error the complainant would need to please provide proof of payment to our office so that we may have this correctedIf the consumer needs further assistance please have them contact our office directlyThank you

Initial Business Response / [redacted] (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 numberOur office apologizes for any inconvenience experienced by Ms [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 consumerThe account in question was placed with our office on 08/31/by our client, [redacted] [redacted] A packet has been requested to be mailed to the address [redacted] Fort Worth TX to provide validity of the debt owed to our client, [redacted] If the consumer needs further assistance please have them contact our office directlyThank 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 consumerThe account in question was placed with our office on 12/16/by our client, [redacted] Per review of account it appears that the consumer signed for services therefore would be listed as the guarantor of the accountWe are not able to get involved with divorce decrees and ask that the consumer work with the other party in resolving the balance on the account On 12/20/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 addressIf the consumer needs further assistance please have them contact our office directlyThank 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 consumerThe account in question was placed with our office on April 09th, by our client, [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 complainantIf the consumer needs further assistance please have them contact our office directlyThank you

Initial Business Response / [redacted] (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 complaintUpon receipt of this complaint a review of the account in question was made and all calls were auditedMrs [redacted] was informed September 30, when she spoke with our office that upon receipt of payment, the credit reporting would be updated to reflect "paid in full" status, not deletedUnder 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, 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/Should Mrs [redacted] have any further questions regarding this account please feel free to have her contact our office

Initial Business Response / [redacted] (1000, 16, 2015/10/16) */ Our records show our response was filed 09/18/15, we apologize for the error and delay We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaintWe apologize for any inconvenience experienced by [redacted] Upon receipt of the complaint, our office contacted our client, Ogden Regional Medical Center regarding the disputeOur client then asked that we close the account and return it to their officeAt this time we have deleted any credit reporting for the account in question and returned the account to Ogden Regional Medical CenterShould Ms [redacted] have any additional questions regarding the account, we urge her to contact the facility directly

We are in receipt of the complaint filed by [redacted] and have thoroughly reviewed this matterWe again apologize for any confusion or inconvenience experience by the consumerThe account in question was placed in our office on 01/23/by our client, [redacted] At this time the account has reported correctly to the credit agency as Paid in fullThe account is closed, we have not received a request from our client to take any further actionIf the consumer needs further assistance please have them contact our office directlyThank you

We apologize for any inconvenience to the complainantAt this time unless a error is confirmed by our client we are unable to delete the Credit Reporting per our contract with the clientIn addition our office does not control the placements of accounts with us by our clientsIf the complainant has an issue with their account being placed with us that would be a matter to resolve with the facilityThank you

Initial Business Response / [redacted] (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, our client, [redacted] Hospital, placed an account with our office in the amount of $100.00, from a date of service of March 22, On August 21st, 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, 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, our client, [redacted] Hospital, placed an account with our office in the amount of $100.00, from a date of service of October 11, for a patient, [redacted] On April 28th, 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, 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 accountOnce Mr [redacted] receives this information, please feel free to have him contact our office to discuss resolution of the accounts in question

We are in receipt of the complaint filed by [redacted] K [redacted] and have thoroughly reviewed this matter We apologize for any confusion or inconvenience experienced by the consumerThe account in question was placed with our office on 06/27/by our client, [redacted] [redacted] The consumer was called on 08/01/and advised of the debt owed with our client [redacted] The consumer stated that they were not in a position to pay the balance, the consumer requested a call back at the same time the next dayA 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 directlyThank you

I am rejecting this response because: YOUR STATEMENT IS CLEARLY _ SOMEONE IS LYING SEE MY DOCUMENTATION ATTACHED Your response states that payments of $each were made between the dates of Sept 15, and March 29, with a final payment of $made on April 18th with a cash walk in payment This is a lie See the attached file - you can see it clearly says that the ONLY payment to medicredit is $on April 12th 1) Why are you lying that these $payments were made to Medicredit? I was in a payment arrangement with CMC - see attached documentation called CCitemized Medicredit strong armed me to come down and pay the balance "in order to get the debt REMOVED from my credit report" CMC said it was transferred to Medicredit in error because I was paying it regularly 2) Why are you lying about the date of the 4/12/cash payment and saying it was received on April 18th? Are your records wrong? Did someone attempt to pocket the cash and when they found out they might get caught did they then credit my account with the payment? If your records are wrong here - don't you think it is possible you are wrong about what was promised for the cash payment too? 3) Why does my handwritten receipt not match your payment records? 4) You say I was not promised a payment for deletion, yet that is EXACTLY what I was promised in your office I will not drop this I was coerced into payment you instead of making my payments to CMC I demand that you immediately remove this form my credit bureau report 5) Has [redacted] reviewed this account yet? 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 consumerThe account in question was placed with our office on 08/31/by our client, [redacted] STATIONSUpon review of the account a receipt letter was sent to the consumer by certified mail on 09/12/ If the consumer needs further assistance please have them contact our office directlyThank 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 consumerThe account in question was placed with our office on November 21st, by our client, [redacted] Our office mailed today two documents to the address provided as a point of contact for the complainant in this complaintThe first is the “Condition of Admissions and Consent for Outpatient Care” this states to the effect of the hospital may use affiliates to resolve a balance owedThe second document is “Consent for Use and Release of Information” this states to the effect of the patient’s records are available to affiliates of the hospitalBoth of these documents are signed by the complainantIf the consumer needs further assistance please have them contact our office directlyThank you

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 consumerThe account in question was placed with our office on December 17th, by our clientWe are currently working diligently with our client, to resolve the consumers concernWe are requesting additional time to fully research this matter to reach an acceptable resolutionWhy should it take 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, 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 crazyOne 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 to me saying all was clear apparently she was not looking at your system I received the letter on July 14, 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] ***

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 consumerThe account in question was placed with our office on 01/23/by our client, [redacted] [redacted] In reviewing the account it shows that the consumer’s wife paid the settlement amount on the accountA request has been sent to have credit reporting corrected and updated as paid in fullWe once again apologize for any inconvenience this may have causedIf the consumer needs further assistance please have them contact our office directlyThank 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 consumerThe account in question was placed with our office on February 4th, by our client, [redacted] [redacted] Hospital PlanoThe request for the Credit Reporting Agencies to update the status as Paid in Full was sent as of with control number [redacted] We have requested a confirmation letter to be mailed to the consumer at the address currently listed on the accountIf the consumer needs further assistance please have them contact our office directlyThank you

We are in receipt of the complaint filed by [redacted] N [redacted] and have thoroughly reviewed this matter We apologize for any confusion or inconvenience experienced by the consumerThe account in question was placed with our office on October 24th, by our client, Mt Carmel EastIn 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 accountThe control number for the deletion is [redacted] If the consumer needs further assistance please have them contact our office directlyThank you