Merchants and Professional Bureau Inc.

Revdex.com- *** *** *** April 28, Case #*** Below are the facts on this account: The account was assigned on April 6, by our client, BalfourWe mailed the required first notice on April 7, Since we did not receive a response from him we mailed a second
notice on April 21, To date we have not received a phone call from Mr***The first communication we have had with him is this Revdex.com complaintHis statement about our phone numbers not ringing then “go dead” must be due to something on his endWe receive thousands of calls per day and have not had any other complaintsIn regards to his comment that we “increased the amount owed and Balfour said that was incorrect but are trying to get extra for the account” is not a true statement. We do not add fees to accounts assigned to us for collectionWe do have many clients that will add fees when an account goes delinquent in their officeBalfour’s written policy states that if the consumer defaults on the credit card payment plan they will add “reasonable collection charges and /or attorney fees associated with the collection of the remaining balance due”. Mr*** had a recurring payment plan set up with BalfourAccording to our client’s record, the first four payments ran successfullyOn January 22, 2016, the fifth payment was declined as was the sixth payment on February 22, 2016, which would have been the final payment of the plan. Our client did attempt to contact Mr*** to resolve this prior to adding the fees and then assigning to us for collectionWe have notated Mr***’s account that he is disputing the balance and will report it to the credit repositories as a “disputed item”. Also, we will mail validation of the debt, provided by our client, to himMr*** may contact me directly at ***, 7:45-4:30, Monday through FridayThis is the same phone number listed on both of the notices we mailed to him. Regards, *** *** *** *** Tell us why here

Revdex.com-
*** *** *** ***Case
#***Our
records indicate that these debts were incurred during Mrs***’s
marriage to *** *** We first spoke
with her by phone on August 13, I listened to the recorded phone callWe
called the number given to us
by our client and she answeredShe told our representative
that she is *** ***’s spouseAfter our representative confirmed he had the
correct party, he stated the Mini- *** and then discussed all
accounts/balances with herShe agreed to a payment plan but we never received
any paymentWe also
received a complaint from her through the Consumer Financial Protection Bureau
website the same evening we received this complaint from the Revdex.com, December 4,
2015, after working hoursOn the CFPB complaint she listed her name as Mrs
*** ** *** She
called our office on December 4, I listened to this recorded phone call,
as wellShe stated we are reporting her husband’s debts on her credit file and
that she did not sign any contractOur representative explained to her that, by
law, she could be held responsible for certain debts even without signing a
contract Since
Texas is a community property state and the Family Code states a spouse is
liable for “necessaries” we are allowed to hold Mrs*** responsible
for these medical debtsThese accounts can be report on her credit file as
unpaid debtsWe will document all the accounts as “disputed” and will report
them on the credit file as such.The Texas Family Code,
Chapter Subchapter FRights and Duties of Spouses SecDuty to
Support(a) Each spouse has the duty to support the other spouse(b) A spouse
who fails to discharge the duty of support is liable to any person who provides
necessaries to the spouse to whom support is owed.If
Mrs*** is interested in obtaining more information or has additional
information that she feels we should be made aware of she can contact meOur
office number is *** and we are open Monday through Friday 7:to
4:30.Regards,***
*** *** ***
*** *** ***Tell us why here

I have attached a copy of the envelope that was returned as "not deliverable as addressed"As you can see, it is addressed with the same address listed on this complaintWe still had the original mailing in our files, so today I put the original envelope with the original validation papers in a new envelope and mailed it to Mr*** at the same address.Again, I'm available by phone if Mr*** wishes to speak directly with meOur office hours are 7:to 4:CST Monday thru Friday*** ***
***

Complaint: ***
I am rejecting this response because:
The provided web URL goes to an ERROR pagePlease test it on your end and send me a valid link.Regards,*** ***

*** *** ***
*** ***
*** *** Our records show we did receive a faxed letter from Mr*** on July 16, disputing the debtWe requested documentation from our client to validate their claim that he owes the amount of $Our client
provided proper and complete validation documents to us on July 31, 2015.On that same day we mailed the documents to Mr*** at *** *** *** ** *** which is the address he had on his request letterIt is also the address he is showing on the Revdex.com complaint. Our packet of validation papers were returned by the Post Office on August 11, as “moved- no forwarding address”. We will, once again, mail the validation papers to Mr*** to his stated address. Due to the fact that this is a medical debt we are not allowed to email the information to him. If Mr*** does not receive this information in the next 5-business days he should call me and I will make arrangements to have the information sent by certified mail. At this time we consider this to be a valid debt owed by Mr*** based on the documents supplied by our clientIf, once he has received and reviewed these documents, he has any questions or wishes to set up a payment plan he can certainly call our office and we will work with him to get this account resolved. Regards, *** *** Tell us why here

Revdex.com- *** *** *** 2/23/ In response to Ms***’s last rejection, I will confirm that the information provided to our client at the time the order was placed matches the day time phone number and the email address Ms*** listed as her current information on her original Revdex.com complaint I did not state our client’s name simply to avoid giving out Ms***’s confidential informationSince Ms*** states she still has not received our validation papers, I will mail the packet out again today I am available to speak with Ms***, Monday through Friday, 7:to 4:CST, and would be able to give her the client’s name at that timeShe can reach me at ###-###-#### or ###-###-####Please call me at your earliest convenience and I will work with you to get this resolved Thank you, *** *** Chief Operating Officer Tell us why here

Revdex.com-*** *** ** * *** *** *** * *** *** In Texas the four year statute of limitations is for filing suitIt does not apply to our situationMPB does not ever file suit on any of the accounts assigned to us by our clients The
statute of limitations for reporting an account on the credit file is seven years from the date of first delinquency. The account Mr*** is referring to has a first delinquency date of May 27, Therefore, it can be reported until April As of this time, MPB has not received a letter from Mr***, other than this Revdex.com complaint After receiving this Revdex.com complaint I have marked his account “cease and desist” as he requested, which means we will not attempt to make contact with him directly regarding this account by any method The law does not require us to remove an account from the credit file simply because someone wrote a “cease and desist” letterImagine if all anyone had to do to get a negative item removed from their credit report is to send a letter stating “cease and desist” ---there would be a lot more people with perfect scores If Mr*** can provide me with a copy of his letter to our office I will investigateIf Mr*** would like to speak with me directly to find out more about resolving this account I can be reached at ###-###-#### Monday thru Friday 7:to 4:Tell us why here

Complaint: [redacted]
I am rejecting this response because: I have never received a validation of debt letter nor the original contract as requesting which would identify who Merchant and Professionals is and what creditor they represent or bought this debt from. I have yet to receive any thing from this company. I don't recall ever getting a call and if there was one made in 2012, I am sure I requested a validation letter and the original contract which was never sent. I am asking that the contract with my signature and the validation of letter be sent immediately via certified mail or remove the inquiry from all three credit bureaus. I will provide my address below.
Regards,
[redacted]

Revdex.com-[redacted]  Case #[redacted]  MPB account
#[redacted]Our response was not intended to be “sarcastic” but a
factual detailed report of how the account was handled.  In regards to her statement that we told her we don’t own
the debt, we would never make that comment. As I stated previously, we don’t
purchase debts. Our clients remain “owners” of the debts, at all times.  I explained in our earlier response, our
representative did mistakenly state the account had been returned to our client
because of the cease and desist status. Her request for a letter? Ms. [redacted] contacted me
yesterday by phone and paid the balance due. I mailed her a letter stating the
balance has been paid and will be removed from her credit file. I went on line yesterday
after her call and submitted a request to have the account removed from her
file.  I will reiterate we did not, nor did our client, violate the
HIPAA law by supplying the itemized statement of charges to Ms. [redacted].Our phone recordings are for our internal use. We will not
be providing a “hard copy” to Ms. [redacted]. If she would like to make an
appointment with me and come to our office, I can let her listen to the calls.[redacted]Tell us why here...

MPB emphatically denies Mr. Mehra’s statement that we are “helping support unethical companies by improperly facilitating false claims”.   I have reviewed the 84 pages of documentation our client provided when they assigned the account and I completely understand why they billed for services...

rendered.   However, it is obvious that Mr. Mehra has no intention of paying our client for their many hours spent on his company’s computer issues. Therefore, we have cancelled and returned the account back to our client. We have informed them that any future collection attempts by us would not be successful and they should consider other methods, if they wish to pursue this outstanding balance due. Tell us why here...

Revdex.com-[redacted]  3445121  10-28-15Case #[redacted]Our records show we did receive two notifications through
the EOscar system, indicating Mr. [redacted] was disputing the account. One was from
Equifax, which we responded to on May 30, 2015 and the other notification
through the EOscar system...

was from Experian that we responded to on September
30, 2015.  We responded to both by
indicating we are reporting the account on [redacted] with social security
number ending in 5272 and verifying his date of birth.Our client, Tyler Radiology Associates, rendered services to
Mr. [redacted] on June 26, 2011 at the East Texas Medical Center in Tyler, TX. Our
client’s records show that Mr. [redacted]’s address at the date of service was 328 W
3rd La Joya, TX 78560. This is the same address he listed on his
first dispute through EOscar in May 2015 as being his address. This account was assigned to us on October 21, 2011. We sent
Mr. [redacted] our first required notice on October 24, 2011. Our notice was not
returned by the Post Office and we did not receive a response from Mr. [redacted].
We sent two more letters with the same results. We then made several attempts
to reach Mr. [redacted] by phone but were unable to make contact. After that we
mailed three more letters mailed 12/8/2011, 12/23/2011, and 1/6/2012. These
letters were not returned by the Post Office and we did not receive a response
from Mr. [redacted].Our first “communications” with Mr. [redacted] was his
notification through EOscar in May 2015. At that time, we marked the account to
be reported to the national repositories as a “disputed” account.  After the second EOscar communication in
September 2015 we sent Mr. [redacted] a letter to which he did not respond.After receiving the Revdex.com complaint, we contacted our client
and obtained validation paperwork that we will mail to Mr. [redacted] at [redacted]. If this is a case of identity theft, we will need a written
statement from Mr. [redacted] stating he is a victim of identity theft, a copy of
his driver license, and a copy of an identity theft report filed with the
police.Mr. [redacted] may contact me at [redacted], Monday through
Friday, 7:45 to 4:30, if I can assist him in any way. [redacted]Tell us why here...

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.
Although, I must admit my mistake. I inadvertently keyed in the wrong address. The address to respond to is  [redacted]
 
[redacted] My deepest apologies.
Regards,
[redacted]

Complaint: [redacted]
The provided web URL goes to an ERROR page. Please test it on your end and send me a valid link.
Regards,
[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 me.
Regards,
[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 me. The referenced account has been officially removed from all 3 credit filing reports. I have made record of all communication and correspondence.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: As I previously stated, I have NEVER received a validation of debt letter NOR a phone call to dispute the ENTIRE validity of this debt. Whoever this company spoke with, quoted the mini-miranda to, identified their mystery client to DEFINITELY was NOT this [redacted]. This is the first that I EVER heard what the debt was for so I now know its for jewelry. I have NEVER in my life financed a ring or any jewelry so when they state their client; I still have no idea who this company nor their client is who has authorized this fraudulent account in my name and social which I never authorized, never received, nor ever paid on.Again, I am requesting this fraudulent debt be removed from all 3 credit reports. 
Regards,
[redacted]

Revdex.com-
[redacted]Case
#[redacted]Our
answer remains the same. Under the Texas Family Code the spouse is “liable to
any person who provides necessaries to the spouse to whom support is owed”. Tell us why here...

We received an email notification through our website from Ms. [redacted] on June 29th informing us of this situation. I investigated and discovered the account should not be on her credit file. Apparently, when we sent in our full monthly file for June to the repositories the account was place on her...

file instead of the correct party’s.   That same day, June 29th, we completed a “universal data form” online and submitted it to the three major credit bureaus instructing them to delete this account from Ms. [redacted]’s credit file. Even though this is the fastest way to handle the deletion it will take 5 to 7 business days before the process is completed on their end.   If Ms. [redacted] has any questions I can be reached at [redacted] Monday through Friday 7:45 to 4:30.   [redacted] Tell us why here...

I am sorry you are having a problem. I have tested on our end and it is working correctly. We have received numerous payments already today through this site. Please retry. You can go straight to the payment portal page at “mpbcredit.com/pay” or you can go to our company website “mpbcredit.com” and click on the button “PAY ON LINE NOW” to get to the portal payment.   If you are unable to pay on line please call me at ###-###-####.   Regards, [redacted]

Revdex.com-[redacted]  [redacted]   [redacted]   [redacted]   The account Mr. [redacted] is referring to was assigned to us for collections by our client, [redacted], LLC on September 2, 2016. We mailed the required first notification informing him...

of his rights on September 6, 2016. This letter was mailed to his Texas address of [redacted]. Our letter was not returned by the Post Office as undeliverable.  Mr. [redacted] did not respond to our letter so we mailed a second and then a third letter with the same results.   We then attempted to reach Mr. [redacted] by phone. We were able to speak with him on October 11, 2016 but he hung up once we told him we were attempting to collect a debt.  Several more attempts were made to reach him but he never answered our calls. On November 7, 2016 we mailed another letter but this one was returned as undeliverable by the Post Office.   After receiving the Revdex.com notification that he is disputing the debt being his or his responsibility, we contacted our client for proper validation papers. They have provided an itemized statement of charges, a copy of Mr. [redacted]’ driver license, and the signed Conditions of Admission and Consent of Outpatient Care form which includes a Financial Agreement section.   Also included with the validation papers is a letter from Mr. [redacted] to our client dated December 7, 2015, in which he states he will make monthly payments of $10.00 towards his balance. The email address he has on this letter is the same email he listed on his Revdex.com dispute of [redacted].   We have noted that Mr. [redacted] has a PO address in [redacted] listed on his Revdex.com complaint. This is the first we have been aware that Mr. [redacted] no longer lives in the state of Texas. MPB is not licensed to collect in the state of North Dakota. Therefore, we have notified all three credit repositories to remove our reporting of this account from Mr. [redacted] credit file.   However, we will be forwarding this account, along with the validation papers from our client, to an associate agency that is licensed to collect in North Dakota. We will inform them of Mr. [redacted] dispute and ask that they mail the validation papers to him as soon as possible. While this process will take a few days, Mr. [redacted] will see our reporting of this account removed but, eventually, it may be reported by our associate in the coming months as a disputed item. Tell us why here...