Mitchell-Wiedefeld Funeral Home, Inc.

March 30, 2017  Revdex.com of Central IndianaAttn: [redacted]
151 N Delaware Street #2020Indianapolis, IN 46204-2599 RE: ID Number [redacted]  Dear Ms. [redacted],  IMC Credit Services has reviewed the file in reference to this matter.  [redacted] contacted our...

office on December 12, 2016.  At that time he indicated he had paid an account on line and wanted to ensure the account was not listed on his credit. The account was not reported on his credit, nor was the payment posted on our system and this was communicated to Mr. [redacted].  Mr. [redacted] was informed he had another account in our agency that was listed on his credit file and he was informed that once the account was paid we would report the account as paid in full to the credit bureaus.  [redacted] chose to pay both accounts in full over-the-phone to ensure that payment would be posted to both accounts as soon as possible.   Mr. [redacted]’s payments were posted to both of his accounts and paid them in full.  The payment of $58.22 was posted first and was posted to the larger account.  When the payment of $488.81 was posted, it paid off the larger account and then paid off the smaller account as well.   When Mr. [redacted] requested his payment back through his credit card vendor, the payment of $488.81 was reversed ($58.22 for the smaller account and $430.59 for the larger account).  The smaller account was not reported to his credit. We realize the payment of $58.22 was intended for the smaller account and because of this posting error, we are having the payment of $58.22 moved to the correct account and have requested deletion of  the larger account from his credit.  The account balance of $488.81 remains due in our office. Should you or Mr. [redacted] need any additional information, please feel free to contact me directly.  Sincerely, Stacy P[redacted]Administrative Collection Manager

July 7, 2015Revdex.com of Central Indiana151 N. Delaware Street #2020Indianapolis,IN 46204-2599Attn:  [redacted]Re: File No. [redacted] Dear [redacted] In response to your letter, please allow me to share with you my findings regarding the above-mentioned account.  Mrs....

[redacted] mailed in copies of her cashed checks which IMC received on July 2, 2015.  There was one payment not showing received by IMC in which that is currently being researched and will be applied to her balance. I have requested a copy Mrs. [redacted]’s payment history be mailed to her home address for her records.  Some confusion may have occurred regarding a payment that was directly made to our client.The consumer may call our collection manager, Jennifer [redacted] to discuss any questions or concerns they still has regarding this matter at (317) 849-6933. Sincerely, Jennifer[redacted]AssistantCollections Manager

February 2, 2017  Revdex.com of Central IndianaAttn: [redacted]151 N Delaware Street #2020Indianapolis, IN 46204-2599  RE: ID Number [redacted] Dear Ms. [redacted], This letter serves as our second response to the complaint filed by [redacted]. IMC Credit Services received a file from our client Community Health Network on July 20, 2016 for [redacted].  We sent a validation letter to her current address on July 23, 2016. The validation letter is also considered a first notice.   IMC Credit Services received a certified mail letter from [redacted] on December 27, 2016 disputing the debt.  At that time her account was flagged to be reported as disputed to all three credit bureaus and verification of the debt was requested.  On January 17, 2017 a copy of the bill was mailed Ms. [redacted].  This statement is from our client’s office, listing any payments prior to the account being listed with our agency.  We also included a summary letter listing the current balance as $170.00. We have inquired with our client and they verified the balance in our office remains due.  Having additional payment information such as how and when she paid the client would be helpful for a payment research.   Should you or [redacted] have any further questions, please feel free to contact me at (317) 829-0076. Sincerely, Stacy P[redacted]Administrative Collection Manager

April 10, 2018 Revdex.com of Central IndianaAttn: [redacted]151 N Delaware Street #2020Indianapolis, IN 46204-2599 RE: ID No. [redacted]  IMC Credit Services has reviewed the file [redacted] has referenced in her complaint.   IMC Credit Services has requested the account...

in question be deleted from all three credit bureaus.   IMC Credit Services has reviewed the documentation from our client.  Our client files indicate this was billed to [redacted] and the balance was applied to the deductible.  We are mailing a copy of this documentation to [redacted]. It would be helpful if [redacted] provided a copy of any explanations regarding the credit adjustments she has referenced in her complaint.  Should you or [redacted] need any further assistance, please do not hesitate to contact our office.   Sincerely, Stacy P[redacted]Collection Manager

October 21, 2016     Revdex.com of Central Indiana 151 N. Delaware Street #2020 Indianapolis, IN 46204-2599 Attn: [redacted]   Re: File No. [redacted]   Dear [redacted],   In response to your letter, please allow me to share with you my findings regarding the...

above-mentioned account.  I have reviewed the calls and the  notes on Ms. [redacted] account.    As requested by Ms. [redacted], she will not receive any more calls from [redacted] and no letters will be mailed.    I apologize that Ms. [redacted] felt she was treated poorly by the representatives.  Our quality assurance representatives are reviewing this matter for  any areas where we may improve our customer service.    The consumer may call our collection manager, Jennifer P[redacted], to discuss any questions or concerns they still has regarding this matter at (317)  684-1000.   Sincerely,     Jennifer P[redacted] Assistant Collections Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Who waits 5 years to send info over about a collection. This company has never called or mailed me anything until I disputed this account and I've yet to receive proof this is my debt. So how can this still be on my report when its been well past the 30 days of  the dispute and still nothing. I called the original collectors they dont even have the info for this so call debt. They said they dont even use the same biling system. This should be removed from my credit report and dont start calling me now five years later. 
Regards,
[redacted]

February 3, 2017  Revdex.com of Central IndianaAttn: [redacted]151 N Delaware Street #2020Indianapolis, IN 46204-2599  RE: ID Number [redacted]  Dear Ms. [redacted], IMC Credit Services has reviewed the file Mr. [redacted] has referenced in his complaint.   IMC Credit...

Services requested a letter be emailed to Mr. [redacted] on January 31, 2017.  This letter will reflect there is no balance owing on his account. The letter was sent on February 1, 2017.  The letter process may take several days from our initial request for Mr. [redacted] to receive his email.   Mr. [redacted] referenced that he needed a receipt of his payment.  In addition to this letter, we have requested a payment history be mailed to him.  We are hopeful this will meet Mr. [redacted]’s needs. We apologize for any inconvenience to Mr. [redacted]. Should you or Mr. [redacted] have any further questions, please feel free to contact me directly.   Sincerely, Stacy P[redacted]Administrative Collection Manager

April 16, 2018   Revdex.com of Central Indiana Attn: [redacted] 151 N Delaware Street #2020 Indianapolis, IN 46204-2599   RE: ID No. [redacted]     IMC Credit Services has investigated the account in question and verified our client, [redacted] shows the balance due as of the date of this letter.  The documentation from our client shows this balance was applied to [redacted]’s deductible.    We do not have a record of receiving any documentation showing this balance is not owed.      IMC Credit Services has requested the account in question be deleted from all three credit bureaus as is our work standard for any consumer who is active military.  We thank [redacted] for her service.   [redacted] may send documentation to our email address; [email protected], or a fax to 317-576-0683, or mail to P.O. Box 20636, Indianapolis, IN 46220.     Should you or [redacted] need any further assistance, please do not hesitate to contact our office at the toll-free number listed below.   Sincerely,   Stacy P[redacted] Collection Manager1-800-466-6933

Re: File No. [redacted]  Dear [redacted], In response to your letter, please allow me to share with you my findings regarding the above-mentioned account.  Ms. [redacted] contacted IMC August 14, 2015.  IMC attempted to call Ms. [redacted] back on August 14, 2015 but...

called a different phone number on file.  IMC contacted Ms. [redacted] August 17, 2015, we were successful reaching her and are actively working on a resolution on her accounts.The consumer may call our collection manager, Jennifer [redacted], to discuss any questions or concerns they still has regarding this matter at (317) 849-6933.

Revdex.com:I have reviewed the response made by the business in reference to complaint ID[redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear b
I found this fake “delinquency” during the loan application process.  I was provided with no notification that anything was being posted to my credit report, and I checked it in June prior to entering the loan application process.
Both bills happened in March/April, when my mother in law died.  It impacted my health.  Insurance processing the bill took 4-5 months.  I sent in co-pay in advance of knowing my bill amount.  Once the final bill from the medical providers was sent I sent the payment to the medical providers in full.  [redacted] takes 4-6 weeks to process payments.
Everything was paid, and clear by September 2015. 
IMC has been putting these on my credit report since September, and failing to receive updated accounts from their clients, or to update individual accounts.
When I called IMC, the representative refused to provide me with a person’s name.  For example, who am I faxing this to?  Who am I talking to?
They expected me to provide my social security number to a phone operator, from a company I have never heard of, from a person who refuses to identify themselves.
Also, the first time I called to provide them information in September that the bill was paid, the representative started yelling at me.
In other words, I reported this to IMC verbally, by fax, and still it was necessary to report their company.
What if someone had a serious illness?  Or cancer for one year?
IMC is not operating in accordance with the Fair Debt Collection, or Fair Credit reporting Act.
How has this impacted me?  Most likely, my loan will be at a higher rate because of this. 
Each of those reports takes my credit score down 50-100 points. 
Regards,[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I have proof via my tri-merged credit reports that IMC reported BOTH these debts to them on multiple occasions. According to FRCA law, the company had 30-45 days from the date they received my certified mail which would have been September 30, 2015 at the latest. Sending me ANYTHING in December violates my rights under the law.I want the collections immediately REMOVED from all three credit bureaus today. And I'd like proof that has been completed via a letter from IMC.Because they have not held up their responsibility under the federal law, I'd like all communications in writing and will not be calling them to discuss anything over the phone.
Regards,
[redacted]

January 23, 2017  Revdex.com of Central IndianaAttn: [redacted]151 N Delaware Street #2020Indianapolis, IN 46204-2599  RE: ID Number [redacted]  Dear Ms. [redacted], This letter serves as our response to the complaint filed by [redacted]. IMC Credit Services...

received a file from our client [redacted] on July 20, 2016 for [redacted].  We sent a validation letter to her current address on July 23, 2016.  IMC Credit Services received a certified mail letter from [redacted] on December 27, 2016 disputing the debt.  At that time her account was flagged to be reported as disputed to all three credit bureaus and verification of the debt was requested.  On January 17, 2017 a copy of bill was mailed to her address.  Should you or [redacted] have any further questions, please feel free to contact me at (317) 829-0076.  Sincerely,  Stacy P[redacted]Administrative Collection Manager

September 11, 2017     Revdex.com of Central Indiana Attn: [redacted] 151 N Delaware Street #2020 Indianapolis, IN 46204-2599   RE: ID Number [redacted]     Dear Ms. [redacted],     IMC Credit Services, LLC has reviewed the complaint received by [redacted].   We...

have requested a deletion of the accounts from the credit bureaus.  We have requested itemized copies of bills be mailed to [redacted].     Should you or [redacted] need any additional information, please feel free to contact me directly.     Sincerely,     Stacy P[redacted] Administrative Collection Manager

December 5, 2016     Revdex.com of Central Indiana Attn: [redacted] 151 N Delaware Street #2020 Indianapolis, IN 46204-2599     RE: ID Number [redacted]     Dear Ms. [redacted],   This letter serves as our response to the complaint filed by [redacted].   IMC Credit...

Services has reviewed the files in reference to this matter. Our records show that the accounts were handled appropriately. Our initial validation letter was mailed on all accounts with no returned mail.  We have documentation of at least one conversation with Ms. [redacted]. In addition, we recently have mailed a copy of the bills to Ms. [redacted] and confirmed with our client the balances are correct. All accounts have been reported to the credit bureaus as disputed.   We would be happy to work with Ms. [redacted] in resolving this matter.She may contact me direct at 1-800-466-6933 to discuss resolution.   If you have any questions, please feel free to contact me at (317) 829-0076.   Sincerely,   Stacy P[redacted] Administrative Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this response/resolution is satisfactory to me. 
Regards,
[redacted]

July 17, 2017     Revdex.com of Central Indiana Attn: [redacted] 151 N Delaware Street #2020 Indianapolis, IN 46204-2599   RE: ID Number [redacted]     Dear Ms. [redacted],     IMC Credit Services, LLC has reviewed the complaint received by [redacted]   IMC...

Credit Services, LLC mailed a first notice to [redacted] on both account when we initially received these files from our client.    Upon receipt of a letter via fax from [redacted] on December 13, 2016, IMC Credit Services contacted our client and confirmed the balances were correct for both files.  In addition, IMC Credit Services, LLC  obtained a copy of each of the signed financial agreements and copies of each bill from our client and mailed these documents to Ms. [redacted] on January 11, 2017.   We have disputed these files with the credit bureaus as we are required to do.    Should you or [redacted] need any additional information, please feel free to contact me directly.       Sincerely,   Stacy P[redacted] Administrative Collection Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this response/resolution is satisfactory to me.  I would also request that IMC send this information to my mailing address. That information will be removed from my credit report and billing information of the outstanding amount due with an account number noted, and information on who I can contact directly to make payment to.
Regards,
[redacted]