Metropolitan Collection Agency

First of all, this consumer was very pleasant to deal with.We were shocked to receive this complaint after we madeplenty of effort to reduce the bill for her with thecreditor.The factual events are as follows:1) On January 5, 2016, we mailed our first notice to herOnthe bottom of the first notice, to comply with FDCPAcompliance, is stated to notify us in writing to dispute thevalidity of the debt or request verification regarding thedebtNo such response was made by Ms [redacted] to us.Please see exhibit A of FDCPA section which states theconsumer has days to notify us in writing of the dispute.2) On February 5, 2016, we mailed our 2nd notice to Ms[redacted] This was days after the initial collectionnotice was mailed to herThere was no response to the 2ndnotice we mailed her.3) On February 17, 2016, we received an email from Ms[redacted] (See exhibit B) which stated she mailed us a moneyorder that dayWe did not immediately reply back to herBECAUSE we were waiting to see the validity if she did, infact, mail the money order to usFurthermore, our policy isnot to communicate with debtor's via emailHowever, becauseshe was friendly, our plan was to reply to her after werecived the money order.4.) On February 18, 2016, even before we received the moneyorder we contacted the Dentist office to see if they wouldbe willing to waive any collection fee and/or interest forMs [redacted] See Exhibit C.5.) On February 22, 2016, we received a reply from Dr ***(see exhibit D) stating "We are willing to split thedifference if acct paid within daysOtherwise we desireto persue legal remedies for the total amount dueShe isnot welcome back here unless the total amount is paid" SeeExhibit D.6.) On February 23, 2016, Ms [redacted] called our phonenumber above, however, did not leave us a messageShe hungup prior to leaving a messageOur caller ID showed thenumber was [redacted] which is her phone numberShe neverleft a message, however.7.) On February 23, 2016, we received another email from Ms[redacted] (see exhibit E) stating she wanted confirmation ofthe money order mailedWe had yet to receive the moneyorder so we did not reply to her yet.8.) On February 24, 2016, we did receive her money order for$We then replied to her emails the same day which ismarked exhibit FWe explained to her that she would stillowe for a collection fee plus some interest based on anoffice financial policy form she had signed at the DentistofficeWe further explained that Dr [redacted] would accept halfof whats dueWe received permission of this on February 22(See exhibit D)We explained all the figures to her inExhibit FSee forthcoming exhibit FThe amount she wouldstill owe was $68.10, which was half of the collection feeand interest total.9.) On February 24, 2016, we received an email from Ms[redacted] hours later marked exhibit GShe wanteddocumentation of this debtPer FDCPA the consumer has 30days to request such documentation, which she did not,however, because of her friendly nature we chose to do so.10.) On February 25, 2016, we replied to her email of theday priorSee exhibit HWe further explained the balanceto her and that Dr [redacted] would accept half of what's due forthe collection fee/interest dueAlso, within this email wasan attachment of the signed office financial policy shesigned stating she would be responsible for collectionagency fees and attorney fees and she would pay an intereston the unpaid balanceSee Exhibit IAlso, within thisattachment was an itemization of the debtSee Exhibit J.There was no further response to our email sent to Ms[redacted] on February 25, 2016.We made a very serious attempt to reduce the balance for Ms[redacted] only because we found her friendly to deal with.We went above and beyond our requirements with FDCPA to helpher!The Dentist office offer to settle the balance for $isstill available for Ms [redacted] If not, per Dr ***, hestates she is not welcome back there.Please let us know if you need anything further at all.Sincerely,Metropolitan Collection Agency

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] 1) Okay.2)Letters from mailed out on : January 13th, 2017, July 12th Phone calls were made on: Janury 13th, 2017, January 31st, and March 8th 3) Numerous messages were left, phone number has always remained the same and the phone number was always left in the messagesHowever, no calls were returnedFor example, the call made on January 13th, which the agency states was the only one received, was not returned.4) Letters from mailed out on : January 13th, 2017, July 12th Phone calls were made on: Janury 13th, 2017, January 31st, and March 8th 5) I am awaiting their decision as well, and will gather documentation from [redacted] New York if original creditor, or collection agency should happen to request it at any time.6) Insurance of [redacted] NY, and [redacted] Covered both the [redacted] Bill, and the bill owed to Original Creditor whom was the acting physician after delivery.7) Question should be referred to original creditor for proper answer.8) Letters were mailed out on January 12th, January 31st, March 8th July 12th I fully dispute this debt, and intend to send in the proper documentation without hesitationDocumentation was never requested, because no one returned either mail correspondence nor telephone10) I encourage the company to continue the process to which they stated, and encourage any legal proceedings they are able to take part inI can understand, with the economy, that a debt for less than $can be so detrimental to Collection AgenciesI am not stalling to pay my debt, the fact is, the debt has been paidHowever, It was paid late so I'm sure this is mostly the reason for the misunderstandingI have no problem gathering the proper documents either the original creditor, or the collection agency may needThey would have been provided sooner, had contact been returned and such documents were requestedThank you, [redacted]

Received claim from creditor and we located the debtor The debtor did not dispute according to federal law in writing-see attached FDCPA lawNO DISPUTE WAS EVER IN WRITINGThe creditor wants us to continue, and, there will be NO returning this claim to the original creditorThe insurance is a stall by the debtor She is using the Revdex.com to slow down the collection process and has no legal basis for this complaintShe should follow the law Revdex.com is telling the debtor illegal and fraudulent information, which we will be addressing separately with the New York Attorney General, Eric Schneiderman, and our corporate counsel for possible class action suit against Revdex.com for falsifying information to consumers, telling consumers information, and counseling consumers in an un ethical manner which is detremental to creditors and for consumers to pay their financial obligationsIn conclusion, the debtor should stop stalling and pay this debt We will continue to work the file and aggressively pursue collection against the debtorThank you

Dear ***:On March 15, 2016, we mailed him our first notice, See Exhibit #1.On April 15, 2016, we mailed him or second noticeSee Exhibit #2.On May 16, we mailed him our third noticeSee Exhibit #3.On June 4., 2016, he left us a voice message to discuss his debtTHIS HAS BEEN THE
ONLY TIME HE HAS PHONED USOn June 4, 2016, same day, we mailed him our follow up letterSee exhibit #4.He only called us once, as per explained above, and we addressed his call with the letter mailed to him same day.A competitor of ours, on google, marked our business as closed, but there is nothing further from the truthWe have been working with Google to have this changed but that is a laborous task and that takes time to correct, as per Google.His next step is to follow through with the terms of the letter that we mailed him on June 4, To contact us in writing/send in a partial payment and we will advise him further, in writingOur mailing address is on all ourletterheads mailed to him.This is a lie/stall on Mr***'s partThere are so many inconsistencies to his complaint, as detailed aboveIf he does not pay the debt in full, or make a partial payment soon, or contact us in writing, we requesting to sue him with the creditor soon.Please let me know if you need anything further at allSincerely, Rick G***

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear belowI have called at least times and no one has answeredIn my voicemail I asked for them to call me back so I could settle the debt and I never heard anything back in regards to my phone callI am not comfortable sending money somewhere without talking to them over the phone firstThe information they are giving you is falseWhen I looked this business up on the internet it said it was closedI have no issue settling my debt but I won't do it to a company that I can't communicate withRegards, *** ***

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. They have received communications from me in writing that state that this is not a valid debtTo clarify I am going to put this in writing again: This debt needs to be sent back to the original account (Urgent Care) so that it may be processed properly through my insuranceI never received a bill from Urgent Care, and that is most likely because I moved to an entirely different state five years agoThis debt is not valid and I deny liability for the full costIf properly processed through my insurance there would have been a $copay, not a charge of $351. I will also handwrite the above and mail it to MetropolitanThey are entirely incommunicative and this process is absurdI sincerely appreciate all of the assistance offered by Revdex.com. Regards, *** ***

Good morning ***,
1) He is lying in regards to the number of times he has called usWe addressed this in our prior response
2) We are under NO legal obligation to return his call or communicate with him orallyWe addressed this in our previous responseWe mailed him a letter (copy supplied to you previous response) for what he should dohe ignored that letter
3) The debtor is lying
4) We addressed the "closed" status in our previous response to youThat is a google issue that we are working with them onWe certainly are not closed as per NYS corporation filingsDon't believe what you read on the internet all the timeIt can be innacurrate
5) The creditor wants to play no more games with himThey want him sued. Mr *** will be hearing from the law office very soon and he will have to deal with the consequences with the attorney's soonThey have already approved to sue him because this debtor is only playing games/stalling to pay this debt
6) This will be our last response regarding Mr ***. he will be hearing from the creditors attorney soon
Thank you

!) THE DEBTOR DID NOT FOLLOW THE LAW SEE ATTACHED AGAIN!!! NOTHING WAS EVER IN WRITING TO US. SHE IS LYING OF COURSE!! SHE CAN NOT PROVE THAT SHE DID NOT SEND US ANYTHING IN WRITING PREVIOUSLY BECAUSE SHE DID NOT. SHE SHOULD HAVE FOLLOWED FDCPA LAW THAT WAS ON THE INITIAL LETTER TO HER. 2) THIS DEBT WILL NOT, REPEATED, BE SENT BACK TO THE CREDITOR. SHE DIDNT PAY THEM THAT IS WHY THEY HAD TO REFER IT TO A COLLECTION AGENCY BECAUSE SHE DIDNT AND WOULDNT PAY THE DEBT3) THE INSURANCE IS TOO LATE TO BILL BECAUSE OF HER ERROR. SHE OBVIOUSLY DIDNT HAVE INSURANCE OR LET THE CREDITOR KNOW IT, THAT IS WHY THEY DIDNT GET PAID BY INSURANCETHAT IS WHY THEY SENT THE DEBT TO A COLLECTION AGENCY. 4) WE INTEND TO PURSUE THIS MATTER TO THE FULLEST EXTENT THAT THE LAW WILL PERMIT. 5) DEBTOR, NOBLE, IS STALLING TO PAY THIS DEBT THAT IS WHY SHE IS USING THE Revdex.com TO STALL THE PROCESSWE WILL NOT BUY INTO THAT. WE ARE PROGRESSING FORWARD ON THIS DEBT. 6) THIS IS OUR LAST AND FINAL RESPONSE REGARDING NOBLE AND HER FALSE, ILLEGAL WASTE OF OUR TIME. SHE NEVER DISPUTED IN WRITING TO US PER FDCPA REQUIREMENTS, ATTACHED AGAIN

We will be replying to this non complaint to law "dispute" within the next few days. Thank you

These are the facts concerning this claim: *** *** AKA *** *** (debtor).1) We were sent this new account on 10/12/from the creditor.2) The debtor has supplied us no proof in writing that this debt was paid.3) She left us ONE message, only, on January 13, Numerous messages, as she
states is a blatant lie.4)' She has NEVER sent us anything in writingShe can not supply proof to that because that is a LlE.5) We have requested to sue her with the creditor on December 5, (see attached copy of email sent tothem Exhibit #)We are awaiting their decision to sue her.6) The creditor, since we received this claim, has not informed us of receiving any monies towards this debteither from her, or any insurance company.7) If the debt was cleared up in then why did the creditor send us the account on 10/12/2015?8) The debtor (*** AKA ***) has never disputed this debt in writing to us, Per Public Law 111-sectionValidation of debts (4) "a statement that if the consumer notifies the debt collector in writing within thethirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification ofthe debt or a copy of a judgment against the consumer and a copy of such verification or judgement will bemailed to the consumer by the debt collector"See attached copy of FDCPA law marked Exhibit #2.9) The debtor has not complied with public law 111-section (4) to ever dispute this debtShe can notprove anything to the contrary.10) This is a blatant stall by the debtor to not pay her debtWe will continue our collection action, and,hopefully, the creditor will approve the suit and our attorney's will sue her.Thank you,Metropolitan Collection Agency

Received claim from creditor and we located the debtor.  The debtor did not dispute according to federal law in writing-see attached FDCPA law. NO DISPUTE WAS EVER IN WRITING. The creditor wants us to continue, and, there will be NO returning this claim to the original creditor. The insurance is a stall by the debtor.  She is using the Revdex.com to slow down the collection process and has no legal basis for this complaint. She should follow the law.  Revdex.com is telling the debtor illegal and fraudulent information, which we will be addressing separately with the New York Attorney General, Eric Schneiderman, and our corporate counsel for possible class action suit against Revdex.com for falsifying information to consumers, telling consumers false information, and counseling consumers in an un ethical manner which is detremental to creditors and for consumers to pay their financial obligations. In conclusion, the debtor should stop stalling and pay this debt.  We will continue to work the file and aggressively pursue collection against the debtor. Thank you.

Thank you for your quick response on this matter! I was unaware that we could request for Metropolitan to cease and desist contact and return the account to original provider, as I had this issue in the past with another collection agency and I had to work with them and my insurance company to fix...

the error. I would like to request that Metropolitan cease and desist contact and return my account to the original provider, Urgent Care Now.   Thanks again for your assistance, and have a wonderful rest of your day!  Best,  [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.  Regards,  [redacted]
1) Okay.2)Letters from mailed out on : January 13th, 2017, July
12th 2017. Phone calls were made on: Janury 13th,
2017, January 31st, and March 8th 2017. 3) Numerous messages were left, phone number has always remained the same and the phone number was always left in the messages. However, no calls were returned. For example, the call made on January 13th, 2017 which the agency states was the only one received, was not returned.4) Letters from mailed out on : January 13th, 2017, July
12th 2017. Phone calls were made on: Janury 13th,
2017, January 31st, and March 8th 2017. 5) I am awaiting their decision as well, and will gather documentation from [redacted] New York if original creditor, or collection agency should happen to request it at any time.6) Insurance of [redacted] NY, and [redacted]. Covered both the [redacted] Bill, and the bill owed to Original Creditor whom was the acting physician after delivery.7) Question should be referred to original creditor for proper answer.8) Letters were mailed out on January 12th, 2017. January 31st, 2017. March 8th 2017. July 12th 2017. I fully dispute this debt, and intend to send in the proper documentation without hesitation. Documentation was never requested, because no one returned either mail correspondence nor telephone. 10) I encourage the company to continue the process to which they stated, and encourage any legal proceedings they are able to take part in. I can understand, with the economy, that a debt for less than $500 can be so detrimental to Collection Agencies. I am not stalling to pay my debt, the fact is, the debt has been paid. However, It was paid late so I'm sure this is mostly the reason for the misunderstanding. I have no problem gathering the proper documents either the original creditor, or the collection agency may need. They would have been provided sooner, had contact been returned and such documents were requested. Thank you,[redacted]

First of all, this consumer was very pleasant to deal with.We were shocked to receive this complaint after we madeplenty of effort to reduce the bill for her with thecreditor.The factual events are as follows:1) On January 5, 2016, we mailed our first notice to her. Onthe bottom of the first notice,...

to comply with FDCPAcompliance, is stated to notify us in writing to dispute thevalidity of the debt or request verification regarding thedebt. No such response was made by Ms. [redacted] to us.Please see exhibit A of FDCPA section 809 which states theconsumer has 30 days to notify us in writing of the dispute.2) On February 5, 2016, we mailed our 2nd notice to Ms.[redacted]. This was 30 days after the initial collectionnotice was mailed to her. There was no response to the 2ndnotice we mailed her.3) On February 17, 2016, we received an email from Ms.[redacted] (See exhibit B) which stated she mailed us a moneyorder that day. We did not immediately reply back to herBECAUSE we were waiting to see the validity if she did, infact, mail the money order to us. Furthermore, our policy isnot to communicate with debtor's via email. However, becauseshe was friendly, our plan was to reply to her after werecived the money order.4.) On February 18, 2016, even before we received the moneyorder we contacted the Dentist office to see if they wouldbe willing to waive any collection fee and/or interest forMs. [redacted]. See Exhibit C.5.) On February 22, 2016, we received a reply from Dr [redacted](see exhibit D) stating "We are willing to split thedifference if acct paid within 7 days. Otherwise we desireto persue legal remedies for the total amount due. She isnot welcome back here unless the total amount is paid" SeeExhibit D.6.) On February 23, 2016, Ms. [redacted] called our phonenumber above, however, did not leave us a message. She hungup prior to leaving a message. Our caller ID showed thenumber was [redacted] which is her phone number. She neverleft a message, however.7.) On February 23, 2016, we received another email from Ms.[redacted] (see exhibit E) stating she wanted confirmation ofthe money order mailed. We had yet to receive the moneyorder so we did not reply to her yet.8.) On February 24, 2016, we did receive her money order for$352.20. We then replied to her emails the same day which ismarked exhibit F. We explained to her that she would stillowe for a collection fee plus some interest based on anoffice financial policy form she had signed at the Dentistoffice. We further explained that Dr [redacted] would accept halfof whats due. We received permission of this on February 22(See exhibit D). We explained all the figures to her inExhibit F. See forthcoming exhibit F. The amount she wouldstill owe was $68.10, which was half of the collection feeand interest total.9.) On February 24, 2016, we received an email from Ms.[redacted] 2 hours later marked exhibit G. She wanteddocumentation of this debt. Per FDCPA the consumer has 30days to request such documentation, which she did not,however, because of her friendly nature we chose to do so.10.) On February 25, 2016, we replied to her email of theday prior. See exhibit H. We further explained the balanceto her and that Dr [redacted] would accept half of what's due forthe collection fee/interest due. Also, within this email wasan attachment of the signed office financial policy shesigned stating she would be responsible for collectionagency fees and attorney fees and she would pay an intereston the unpaid balance. See Exhibit I. Also, within thisattachment was an itemization of the debt. See Exhibit J.There was no further response to our email sent to Ms.[redacted] on February 25, 2016.We made a very serious attempt to reduce the balance for Ms.[redacted] only because we found her friendly to deal with.We went above and beyond our requirements with FDCPA to helpher!The Dentist office offer to settle the balance for $68.10 isstill available for Ms. [redacted]. If not, per Dr [redacted], hestates she is not welcome back there.Please let us know if you need anything further at all.Sincerely,Metropolitan Collection Agency