MediCredit

We want to first apologize for the delay in resolving this matterThe account in question was placed with our office on 12/31/by our client, [redacted] After further review, and in order to ensure that the highest level of customer service is provided to you, we have absorbed the balance of $and requested that a deletion be submitted to the credit reporting agencies for the account in questionA confirmation letter is being mailed to the address currently listed on the accountAgain we apologize for the delay and thank you for your patienceIf the consumer needs further assistance please have them contact our office directlyThank you

Initial Business Response / [redacted] (1000, 5, 2016/02/22) */ We are in receipt of the complaint filed by Ms [redacted] and have taken the time to thoroughly review the complaintThe account in question was placed with our office on October 14th, 2015, by our client, [redacted] A notice notifying Ms [redacted] of the same was mailed on October 15th, 2015, to the address on file with the client from the date of serviceOur office began reporting the account to the credit reporting agencies on November 29th, per our agreement with our client, [redacted] HospitalThe client has notified us that the account in question was paid in full directly to their office, on January 15th, 2016, after Ms [redacted] spoke to our office and was unhappy with being told the account would not be deleted upon paymentUnder 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 previouslyShould Ms [redacted] have any further questions regarding this account please feel free to have her contact our office

Complaint: [redacted] I am rejecting this response because: I do not accept this does not validate the debt There is not documentation and I did not have a phone call with anyone about this debt this is a violation you collection agency cannot report a debt that is not validated with documented proof delete or I will file a complaint with the consumer financial protection bureau 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 07/20/by our client, [redacted] [redacted] On 07/25/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 09/03/Credit reporting at this time is showing correctly as paid in fullIf 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 consumer Our payment system does not allow for e-checks to be refunded directly into someone’s accountA refund check has been requested to be sent to the consumer’s address listed on this complaint, please allow 7-business days for processing and mailing

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, 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 consumerWe hope this resolves the consumer’s complaint, should anything further be needed please feel free to contact our office

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 consumerWe 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 resolutionThank you

Mr [redacted] , please contact our office using consumer # [redacted] I located an account that matches this descriptionPlease allow us to discuss this with you to see if we can clear this upThe account in question matches the DOB you provided

Initial Business Response / [redacted] (1000, 5, 2015/06/23) */ We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaintAccording to our notes on June 4th, payment in the amount of $was authorized from the mentioned account for payment of an account placed with our office from [redacted] Medical Center (E Houston)At this time the payment has been returned and the consumer's balance is currently $65.00, please feel free to contact our office to discuss this account

Initial Business Response / [redacted] (1000, 5, 2015/07/13) */ We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaint. A deletion has been submitted to the credit reporting agencies with a control number of #XXXXXXXX, please allow time for the... individual agencies to reflect this change. We apologize for any inconvenience experienced by Mr. ***.

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 11/13/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 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 accounts in question was placed with our office on 07/03/and 08/01/by our client, [redacted] Per the consumers request we have placed a cease calls on the accountsIf the consumer wishes to resolve the balances we request that they contact our office directlyThank you

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 consumerThe account in question was placed with our office on August 21st, by our client, [redacted] *** [redacted] On October 23rd, the account reported to the Credit Bureaus as a Paid in Full statusUnfortunately 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 directlyThank you

Complaint: [redacted] I am rejecting this response because:It is damaging my credit and there information is not correct.the address on the account is not an address I have lived at Sincerely, [redacted]

After a review of this account, it has been determined that on 6/5/a request was made to have the credit hit removedControl/Confirmation number is [redacted] We apologize for the lengthy time this has taken

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11549326, and find that this resolution is satisfactory to me Sincerely,

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]

Complaint: [redacted] I am rejecting this response because:I have included the certified letter that was sent to your companyPlease validate the debt or remove it from my credit reportYou have already violated FCRA and FDCPA regulation when you failed to provide the requested information within days of receiving the letter Sincerely, [redacted]

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 mei contacted Equifax and I have reviewed the MediCredit collection mark on my credit has been removed from all three credit bureaus Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: Please see below.This is an email I wrote to [redacted] on November 5,2017, I have not received a responseIn response to me calling your office to get further assistance with this matter, I have, please refer to the email below This will explain the treatment I have received from MediCreditIf you have a particular contact person, phone number, email address for this individual who I can speak to, who can resolve my credit issue, would be great in your next response[redacted] ,I am writing to you regarding the treatment I have received from your company where you hold the position as a compliance officerIn June when I initially received a letter from Medicredit notifying me of an outstanding bill with [redacted] I immediately called to find out how they received the file when it was in dispute with [redacted] I received information regarding my file and was told it was out of dispute with [redacted] and my file was transferred to MediCredit officeI asked if MediCredit reports to the credit bureau and was told yes I was also explained that MediCredit will send out invoices/mailings before it is reported to the credit bureau I asked if a dispute could be put in on my behalf because my dispute with [redacted] was not resolved, I was told yes On September 17, I ran my personal credit report and seen MediCredit as a debt owed I called MediCredit on Sept19, and spoke to representative [redacted] @ [redacted] ***, she explained to me that my file was out of dispute in June I told Ms [redacted] my account was just put in dispute in June 2017, she explained a letter was sent to me on June 30, requesting more information about my dispute, I never received a letter I asked how we could resolve this issue and have it taken off my credit report as I am wanting to set up payment arrangements as I never had this option as it has been in dispute She advised that I could put my file back in dispute but could not guarantee me that it would be taken off my report She said it may take to hours for her to get back with me, I never heard back I called Ms [redacted] back at [redacted] *** and left a message, I never received a phone call back I called again on Octand after speaking to reps I was finally transferred to Ms [redacted] who informed me that she was not able to resolved my issue I then asked to speak to the director of the department and was transferred to [redacted] at x*** When I spoke to [redacted] he told me he would look through my file and get back to me in to hours, I never heard back from him I called back again on October 23, and spoke to [redacted] and [redacted] who then transferred me to *** [redacted] explained to me that he was not able to resolve my issue and provided me with [redacted] ***'s information, [redacted] *** I spoke to [redacted] the same day and he told me he would look through my file as he is the Director of collections and get back with me [redacted] as well did not return my call so I called him back on October 31, and he explained to me that it was out of his hands and he spoke to his compliance office and the debt will remain on the account.At no time during my conversations did any of your representatives ask me if I was wanting or willing to resolve the debt My purpose of this email is to set up arrangements with MediCredit, as I was not given this optionI have taken responsibility of this debt but my issue is MediCredit not giving me the option to resolve this matter before it was put on my credit report As stated on MediCredit's Revdex.com status report, MediCredit is to call its consumer at least one time before a credit bureau reporting and I never received a phone call from your officeI would like for you to contact me to discuss this matter, have this debt reversed off my report and to set up payment arrangements Sincerely, [redacted]