MediCredit

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 October 18th, 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, 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 madeOur 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] 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 12/31/2012 by our client, [redacted] . On 01/02/2013... 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 03/01/2013. In August 2017 we received a letter from the consumer requesting no more phone calls and a request for validation. The consumer account was marked do not call and a request was sent to have an itemized bill sent out to the consumer. We apologize that this was not received. A validation letter will be sent certified mail to the consumer. If the consumer needs further assistance please have them contact our office directly. Thank you.

Initial Business Response / [redacted] (1000, 5, 2015/09/25) */ 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 Ms [redacted] Upon receipt of Ms [redacted] 's complaint we did reach out to our client, [redacted] to confirm the balance placed with our office is accurate and owing, and they have confirmed we have the correct balance, of $for a date of service of February 21st, According to our account notes, Ms [redacted] has discussed this account with several agents in our office, and I do show her calls were returned, I apologize in any delay Ms [redacted] may have experienced in speaking with someoneShould Ms [redacted] wish to discuss the accounts further or provide documentation showing proof of payment, we can provide that information to our client to have it investigated, please feel free to have her contact our office directly or provide the documentation through your office

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 consumerThe account in question was placed with our office on 07/20/by our client, [redacted] A request was made to have a customer service phone call made to the consumer in regards to their concernsAs stated in the initial complaint per our agreement with our client, [redacted] , we began reporting to the credit reporting agencies, on 09/03/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

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 accounts in question were placed with our office on March 14th, June 13th, and August 11th of by our client, Physician BillingOur office reflects that all three accounts have been requested to reflect Paid in Full with the Credit Bureaus as of January 22nd, We ask the complainant to please be patient with us as it may take the Credit Bureaus – days to update their Credit ReportIf these have still not updated after days please contact our offices so that we may request again for the Credit Bureaus to update this informationIf 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 taken the time to thoroughly review the complaintWe sincerely apologize for any inconvenience experienced by the consumer We have been in contact with the consumer and our client over the last days, and have been able to resolve the mwith the consumer’s HSA payment, and the consumer has resolved the balance that was remaining To provide the best possible customer service to the consumer a deletion has been submitted to the credit reporting agencies and a letter confirming this has been sent to the consumer Please contact our office with any further questions or concerns

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 09/21/by our client, [redacted] On 09/26/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 02/18/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 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 June 27th, by our client, [redacted] Per our contract with our client, [redacted] accounts that are not resolved in full at or around days of placement will be sent for Credit ReportingOn October 23, credit reporting was updated to reflect the account has been paid in fullIf the consumer needs further assistance please have them contact our office directlyThank you

Complaint: [redacted] I am rejecting this response because: This issue has been listed as an error since This is hurting my credit worthiness and I have advised the company of the error to which they refused to remedy the problemThis should have never been placed on my credit report and I am requesting that it is removed immediately in accordance to the FCRA Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: I've have tried to pay this account in full and was told they will not remove this account from my creditThis is not a valid debt I was never made aware of this account or I would of paid it at the time of service, this account should of been paid by my insurance at the time of serviceThis company gave me a number to call telling me to contact them to see if they will remove this from my credit, I tried the number they provider and was re-directed right back to medi-creditthis company is giving me the run aroundI WANT TO PAY THIS BILL IF IT IS MINE! they have no right to put this account on my credit I was never advised of any debt owed to themplease call me so I can pay this account in full my number is [redacted] Sincerely, [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/12/30) */ We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaintWe sincerely apologize for any inconvenience experienced by the consumerA deletion has been submitted to the credit reporting agencies with control number of XXXXXXXXXXXXXPlease contact our office with any further questions or concerns

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 July 1st, by our client, [redacted] Due to the account being placed with our offices by our client, [redacted] the account was scheduled for credit reportingPer our contract with our client, [redacted] an account with a balance resolution in place is still scheduled for credit reporting; resulting in the account in question to have the reporting madeAt this time we are unable to remove the credit reporting per our contractThe consumer’s payments will be reflected in the credit reporting and once payment in full is received the account will be updated as such If the complainant believes an error was made please provide information on the matter and we may better assist with the desired outcomeIf the consumer needs further assistance please have them contact our office directlyThank you

We are in receipt of the complaint filed by [redacted] S [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 January 28th, by our client, [redacted] *** HospitalWe have reviewed the call placed May 14th, when the account was paid in fullOur offices advised to complainant that the credit reporting would not be deleted but would be marked as paid in full with a zero balanceAt this time we are unable to delete the credit reportingThe complainant discrepancy with the balance owed would need to be addressed with our client, [redacted] Hospital directlyWe do not determine the total charges of the account and work the balance the clients provide usIf an incorrect amount was paid it would also be the client, [redacted] Hospital who would provide the refund due to the account no longer being placed in our officeIf the consumer needs further assistance please have them contact our client [redacted] Hospital directlyThank you

Initial Business Response / [redacted] (1000, 5, 2015/06/25) */ We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaintOn April 10th, our client, [redacted] Medical Center placed an account with our office in the amount of $2,51336, from a date of service of December 28th, On June 12th, our office received a letter from Mr [redacted] indicating he disputed this debt, at that time credit reporting was updated to reflect the account is being disputed, however in that same letter Mr [redacted] indicated "I do not wish to receive further telephone calls or letters concerning this debt" which prohibited us from communicating further with Mr [redacted] in order to address his dispute and concerns I have attached the consent signed by Mr [redacted] on the date of serviceShould Mr [redacted] wish to discuss the account further, please feel free to have him contact our office directly

Initial Business Response / [redacted] (1000, 5, 2015/07/28) */ We are in receipt of the complaint filed by [redacted] have taken the time to thoroughly review the complaintWe apologize for any inconvenience experienced by Ms [redacted] We are able to confirm that on 07/17/2015, as requested by the consumer, her auto-payments were stopped and no further deductions will be madeUnfortunately, the letter that Ms [redacted] received was part of an automatic process that ran on 07/17/prior to her phone callWe apologize again for any confusion this letter may have causedMs [redacted] 's account has been notated that her next payment is due 08/07/and that she will be mailing her payments in Final Consumer Response / [redacted] (2000, 13, 2015/08/07) */ I can confirm that I have been taken off of auto-payment

Initial Business Response / [redacted] (1000, 5, 2015/07/01) */ 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 Ms [redacted] when working with our officesAt this time we reflect that payments were made by the consumer on 01/05/2015, 02/11/2015, 03/04/2015, and 05/01/during the last monthsSince there was not a payment received in April or June this caused our system to generate calls to Ms [redacted] We have noted the account so that no further calls will be made to Ms [redacted] in the future, as our company never wishes for someone to feel they are being harassedOur current policy is to mail reminder letters days prior to the due date of the payment, we apologize if that does not best suit Ms [redacted] 's needs, but we will make sure no further calls are made regarding this accountWe will continue to process and apply all future payments as they are received

Initial Business Response / [redacted] (1000, 5, 2015/12/30) */ We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaintOur company, Medicredit, Inc., had this account placed with our office on October 26, by our client, [redacted] HospitalWe are unable to address any concerns the consumer may have experienced with any other servicer of this account, but do apologize for any inconvenience or any miscommunication in regards to this accountAt the time this account was placed with our office the balance was $1492.36, since that time a payment of $has been received, leaving a balance of $1392.36, which we have confirmed with our client as the correct balanceWe have notated Ms***'s account that she does not wish to receive any future phone calls on this matterPlease feel free to have the consumer contact our office with any additional questions or concerns

Complaint: [redacted] I am rejecting this response because: I have not received any receipt from your company regarding my payment and I spoke with Equifax, Transunion and Experian: They performed a "hard record update search" which would reveal if you truly have updated my credit info, and told me that YOU HAVE NOT UPDATED MY CREDIT INFORMATIONSEND ME MY PAYMENT RECEIPT AND UPDATE MY CREDIT REPORTS Sincerely, [redacted]

We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaint Our office does not send out additional statements reflecting a $or receipts unless specifically requested from the consumer, much like the account would be handled if the bill was paid directly to the medical facility We do show that letters were mailed to the consumer on June 23rd, upon the consumer’s request We also show that the consumer contacted our office on July 1st, and wanted to come pick up copies of these letters in person on July 5th, however as of today, July 7th, the consumer has not yet picked up the copies that were prepared for her We hope this resolves the consumer’s complaint, if there is anything further needed, please contact our office

Complaint: [redacted] I am rejecting this response because:Again, I am going back and fourth with this company whom has again failed to provide documentation of a valid debt that they are still claiming that I oweThey have failed again to provide me with any documentation to support this claim, they have already exceeded the days allotted time for them to verify this debt, this company has broken the law and I will take legal action against themThey sent me a bill in the mail once again claiming I owe them this money and I do notAgain they are still continuing to report this information negatively on my credit reports with all three bureausThis again is unacceptableThe FCRA states that if a company is reporting a debt that they claim that I owe if they can not or has not proven that this is a valid debt that I owe this debt, meaning any documentation that bears my signature as proof that this is valid then it must be deleted from my reports immediatelyAgain all I received from this company is a bill this is unacceptableI am asking this company once again to delete this information from all of my credit reports immediatelyMy credit is not a joke and I will not sit back and have information reported against me, this is a crime against my character and I will not accept this Sincerely, [redacted]