Nemo's Investigations & Collections

Prior to any account being placed for collections our clients send out numerous statements to their customers.  As soon as an account is placed in our agency an initial letter is sent informing the debtor their account is in our office for collections.  They have 35 days to pay or...

dispute the validity of the debt which is indicated in our initial letter.  The bills and letters were sent to the address that the debtor had given to our client-which I see is still their current address of [redacted].  To this date that letter has NOT returned.  We have to naturally assume that it has been received.  How, if the date of service was in February 2014-and bills being sent ever since, and our letter sent in September, not one was received especially when the address on record is still the current address?  Have any inquiries been made to the [redacted]?The way our reporting system goes, these particular accounts aren’t even reported for 45 or more days.  I see in the notes 2 phone attempts were made to which not one of the messages were ever returned.  It’s not cost effective to continue to send letters or continue to make calls if they are going to be ignored.  The only recourse is to report it to the credit bureau—which to make a correction we report to ONE credit bureau and that is [redacted].  I’m assuming this [redacted] is a service that this party used to obtain her credit information.  I’ve never heard of them so I’m unable to comment on how they work.  This particular file is showing that it has updated her bureau as paid in full.  I've also done a manual report today to insure the paid in full status is reported.  Unfortunately it does take some time for the credit bureau to update the tradeline.  I don't have any control over that.It is and always has been company policy to comply with the [redacted] and [redacted].  I can personally guarantee nothing had been said nor done to defraud this company or our client’s reputation.  If I can be of any further assistance, feel free to contact me at your earliest convenience.

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

The only acceptable action would be to clear my credit.  They posted a derogatory remark on my credit report which will be there for at least 7 years.  I have (had) perfect credit because I am not a person who does not take care of my responsibilities.  Per my attorney, I was not legally bound to pay for another month of service (contract or not) since I had already given the company a warning before I FIRED them for damaging my property AGAIN.  The damage they did far exceeded the measly $90 for a month of "service".  This was the second time they did this and I told them if it happened again I would not allow them to step foot on my property again.  If I was told they were going to make a derogatory comment on my credit I would have counter-sued for the damage to my property.  I will see if this is still possible, now that they defamed my credit in addition to damaging my property multiple times.  I have photos and witness accounts of their negligence.  

The fact that Nemos ignored my appeal altogether and put a derogatory mark on my credit puts them lower than the so called landscape company that damaged my property.  This is why my complaint against them is valid.  They stood to make about $11 off of me if I paid the criminal landscape company for the remainder of my contract after I fired them.  If Nemos wants their $11 to remove their derogatory mark to my credit, at least that would be a reasonable compromise to make this right.  

People like this should not be in business.  

Regards,

This letter is in response to your letter dated 3/ 18/14 on the above referenced issue.This is our position . Collection agencies have to send an initial letter informing the debtor that they are in collections. The letter includes who they owe money to and how much money is owed. All of our...

letters have been approved by our attorney and the [redacted]). I've attached a copy of our letter that was sent to [redacted] as an example. All personal information is redacted due to privacy. This is a copy not an original. We have a mail service that sends out mass mailings for us.To date we have not received a call or correspondence from [redacted].  The first letter thatis sent goes to the last known address given to our client. Several bills have been sent to this same address from our client prior to collections.I 'm unsure what is meant by "signature nor required, stating my credit card would be charged." We aren't privy to any credit card information unless it is given to us  by  the cardholder , there hasn 't been any contact so I'm confused on this point.My question is why would a complaint be made to the Revdex.com without calling the agencythat sent the correspondence first? These questions could have been asked and answers given. Some of the insurance questions should have been presented to his insurance company.  Providers cannot make an insurance company pay, they can only bill and accept what they pay ,or don't pay. The insured is responsible to make sure their insurance does what they have coverage for.  The providers have no idea what their patients individual policy provides.It is and always has been company policy to comply with the [redacted].  I can personallyguarantee nothing had been said to defraud this company or our client's reputation . If l can be ofany further assistance, feel free to contact me at your earliest convenience . cc: file

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I just wanted to keep you updated on my case.  The other party (Nemos Collections) indicated on April 22, 2014 on the Revdex.com website "We will take the high road at this point and delete our tradeline from her credit due to the amount owing and it not being worth taking it to the next level."

This still has not happened.  I checked my credit today and there have not been any attempts made by Nemos to correct this derogatory remark.  According to an attorney friend of mine, the collection company has 30 days from the time they agree to remove the derogatory remark to do so.  This means they have less than a week to get this done.  Can you either pass this information on to Nemos Collections, or please re-open my complaint?  The case is clearly not resolved if they did not follow-through with what they indicated they would do.   I am prepared to take legal action,  but was advised to give them a last chance to do the right thing.  Thank you for your assistance!

Regards,

We received a letter from Mr. [redacted] on 1/20/15 informing us that this was taken care of a long time ago etc. We were notified by our client that this in fact was handled and we should close the account.  The account was closed but inadvertently the status code wasn't changed so it never...

actually deleted off Mr. [redacted]'s credit.  All collection activity had ceased at that time though.  Immediately after discovering this, we did a manual deletion through the credit bureau to rectify the situation.  The next day a letter stating that it is reporting in error was also mailed to him at the address he provided in the letter.  I have attached a copy of this letter so that if for some reason Mr. [redacted] did not get it, he will have it at this time.  We do our best to keep from making any mistakes but we're all human and unfortunately it does happen.  Once a situation is brought to our attention we correct it in the quickest manner available to us which is what we did in this case.  We sincerely apologize for any inconvenience this may have caused and if Mr. [redacted] would like he can have anybody call this office to verify that this indeed is deleting off his bureau.  It is and always has been company policy to comply with the [redacted] and [redacted].  I can personally guarantee nothing had been said nor done to defraud this company or our client’s reputation.  If I can be of any further assistance, feel free to contact me at your earliest convenience.

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I am not satisfied with this response as it does not address the reason I submitted a complaint. [redacted] did not update my address at the time of visit. I received no information inflicting that a balance was owed and only found out about the outstanding balance when [redacted] reported a "deregatory" claim to the credit bureau. I identified this incorrect blemish and did research to eventually find out there was a balance due to [redacted]. I immediately called them to rectify the outstanding balance and inquired as to how said balance made it all the way to collections with out me receiving any notification. After talking with the rep, it was discovered that an old address was listed and had not been updated when I visited back in May. The rep from [redacted] apologized and assured me this mistake would be removed from my credit report and everything was fixed. A few weeks later I checked my credit again, only to find that a balance of $70 was still listed under "[redacted]." Assuming there was a mistake, I called in to [redacted] to inquire about how to fix this issue. The conversation that took place was absolutely revolting. Not only was the rep at [redacted] condescending and had a major attitude, he went as far as to tell me if I would have checked my mail and paid the bill I wouldn't be dealing with this. Wow!!!! You sent the letter to A WRONG address. I am not sure what is so hard to understand about this but apparently [redacted] philosophy is to insult the customer calling in and proceed to be little them instead of working to find a solution. I was then passed off to a manager who repeated what the first Rep I spoke with said was not listening to one word I said. Long story short, this $70 Deregatory listing has been submitted incorrectly and I do not plan on relinquishing my efforts to have it removed. Not "updated as paid," I want this removed. If you can provide documentation from [redacted] showing that I listed the address you were sending mail to, there would be no reason for me to continue pursuing this matter. As stated though, I have done nothing wrong, I submitted a current address, I paid the balance once I found out it was owed and I want this taken care of. I will not be satisfied until this is removed. 

Regards,[redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.As the good folks at Nemo's know or should know, considering that they are allegedly a licensed debt collector in the state of AZ, the statute of limmitations on debt in AZ is between 3 and 6 years depending on  the type of debt. Also as I am sure that they know but are choosing to ignore, once the statute of limitations has expired it is unlawful to actively attempt to collecct the debt. It has been shown in federal court, that reporting to the credit bureaus constitutes actively collecting debt. (Credit reporting constitutes an attempt to collect a debt. See, e.g., Rivera v. Bank One, 145 F.R.D. 614, 623 (D.P.R. 1993)(a creditor's report of a debt to a consumer reporting agency is a "powerful tool, designed, in part, to wrench compliance with payment terms.");I will copy and paste a link to the entirety of this case
Also, as I am sure that Nemo's is aware, the law that is most favorable to me is the one that will be looked upon in court.  Considering that this account is from AZ, the AZ law is the one that will be used in court. As Nemo's stated above, the debt can no longer be reported to the credit bureaus once it has passed the statute of limitations. This account is well beyond the statute of limitations as set forth by the state of AZ. By all counts, this account should be deleted from my credit reports. I am not saying that this debt magically goes away, but by law, it should be removed from my credit reports. As I stated earlier, I do not want to have to file a suit as it would be very expensive for me initially but more expensive for Nemo's  in the end as they would be paying my attorney fees, traveling expenses to and from AZ, time missed from work at $29.60 hourly plus whatever damaged the judge or jury sees fit. It is in both Nemo's and my best interest that we resolve this without going to court.Thank you[Provide details of why you are not satisfied with this resolution.]

Regards,

Very questionable collection practice threaten to file against your credit even though Next Care made a clerical mistake. They also will not work with nextcare to resolve the issue. Sam C[redacted] actually tried to offer to have me pay a lower amount to close out the issue.

This letter is in response to your letter dated 4/7114 on the above referenced issue.

This is our position. Disputing a claim doesn't mean that it just disappears.  We update the credit bureaus as "consumer disputes account". Everybody has their side of the story and one can come up...

with a different conclusion depending on their point of view.

My client, Ms. [redacted] original creditor, a verbal agreement and in his contract states d that upon termination of service a 30 day notice must be given. This bill is for the last month of service.

It is and always has been company policy to comply with the [redacted]. I can personally guarantee nothing had been said to defraud this company or our client's reputation. If I can be of any further assistance, feel free to contact me at your earliest convenience. 

Sincerely,

This company called me and refused to call Nextcare to verify that the bill was paid. They called me after they we notified by Nextcare they there was a mistake and I never owed the money. Upon repeated call backs, Nemos finally admitted I didn't let the money, and threatened me with phone harassment. I say more good people should call these companies and harass them back. Get their blood pressure up, they're anger up, like they do when they try to collect from people. Amazing how they selectively record parts of conversations.

Documentation which I've also included in my response is attached.  This information, as requested, was sent on 9/21/2015 to the address Mr. [redacted] gave in his request. Both of them show the dates of 9/21/15 which indicates when they were printed and sent.  This documentation...

has not returned so I would check with my local post office to find out why mail is not being delivered.Statutes are 7 years from the date of last charge. According to the itemized statement provided, the date of last charge was on 7/24/2009---the 7 year mark is 7/24/2016.  Also, statutes of limitations does not mean the bill is magically no longer an obligation, it just can’t be reported to the credit bureau. It is and always has been company policy to comply with the FDCPA and FCRA. I can personally guarantee nothing had been said nor done to defraud this company or our client's reputation.

This account does reflect as paid in full due to the fact that it is paid in full.Facts:Our client sends numerous bills to their customers prior to the account going to collections.  The bill is sent to the address given to our client by the patient themselves at the time of...

service.  IF they no longer live there (services were rendered in May 2014) but are using the address as a "mail drop" then I would assume they would attempt to collect that mail on a timely basis.  If they aren't doing that they will not get their bills in a timely manner.  Upon receipt of account which was placed in our office on September 2, 2014 we send a letter informing the party they have been sent to collections and have 35 days to pay before any further action is taken (i.e. reporting to credit etc.) To this day this letter has not returned from the given address.  We can only assume it has reached it's destination.    ?Our client informed us on December 3, 2014 that the bill was paid on November 25, 2014. Our system reports to the bureaus on the 1st & 15th of each month.  Due to the fact that it wasn't paid until after the first, it was reported the next cycle which in fact was yesterday.  These updates aren't instantaneous, it does take time.  I'd say it will update as paid in full within 30 days.  It is and always has been company policy to comply with the [redacted] and [redacted].  I can personally guarantee nothing had been said nor done to defraud this  company or our client’s reputation.

All pertinent insurance information was provided to the healthcare professional at the appropriate time. The healthcare professional has even billed the insurance provider in previous instances. This collection will not be paid, as well as on a monthly basis be disputed via credit reports.

This case was closed and deleted 10/16/15, I've also answered [redacted] dispute investigation on 10/20/15 where i've also reinterated deletion. It takes up to 30 days to update which we have no control over.

In response to the complaint Ms. [redacted] is entitled to her opinions as to who the bad guy is.  We have no reason to doubt our clients claim when they send it over for collections.  To defame us the way she has is unnecessary and uncalled for.  

We have accurately reported her file as a disputed claim on 4/17/14, this was after we found she felt she didn’t owe the bill and why.  Data furnishers have to report accurate information which our company has done.  It is and always has been company policy to comply with the [redacted].  

We will take the high road at this point and delete our tradeline from her credit due to the amount owing and it not being worth taking it to the next level. 

Respectfully,

We have reported to the credit bureaus as demanded but I have absolutely no control over how long it takes them to update.  I've also manually deleted AGAIN as of today's date.

As I stated earlier, IF [redacted] information would have been given in a timely manner, then it wouldn't have denied due to timely filing (page 3).   If you had given your [redacted] information at the time of service or very shortly thereafter, this never would have denied for timely filing and this case would be paid and closed.  
If I may suggest, you might want to find out what [redacted]'s timely filing threshold is.  We are not medical providers so I'm not sure how much time is provided to file.  They vary I'm sure.  Being familiar with your policy is the patient's responsibility.  Everyone's policy is different, that's why you should make sure to know all the nuances to get the most out of it. 
You have not called this office to discuss this matter, I could have explained this to you.  I know my client has already explained it, but maybe there is further questions that you need answered?  If so, please contact me directly and I can answer any further questions that you may have.

This account was placed for collections on 6/1/2015 due to non payment of the debt.  
Insurance was billed, paid then recouped accordingly to the patient's policy.  When the patient came to the facility, they only provided [redacted] information.  [redacted] information was provided...

a while after the services were provided.  [redacted] was billed, they denied for timely filing.  My client appealed in June of '16 and a response has not been provided.  Insurance has to be provided to my client in a timely manner.  Most insurances have a "timely filing" deadline in which they will pay a claim.  If the insurance information isn't provided, the debt is the patient's responsibility.
The insured also has the right to bill their insurance if they feel they have not been given their policy coverages.  Providers are not privy to the spectrum of coverage on an individuals policy. Providers will file insurances as a courtesy, but they can't make the patient's insurance pay. Policy coverages are between the insured and their insurance.  Providers may and will appeal on behalf of the patients, but that doesn't guarantee the outcome will be any different.  
We have empathy for the situation and will help in any manner we can.  If the bill isn't paid and the debtor isn't willing to pay it, the account does get reported to the credit bureau. It is and always has been company policy to comply with the FDCPA and FCRA.

I apologize for the delay in response to this complaint.  I've been on a much needed vacation.In answer to this consumers concerns here's how this works.  Our client will continue to send out statements informing the parties of balances they owe prior to sending the account to...

collections.  I checked with our client and 3 statements were sent to this party's last known address with none of the statements returning as moved left no forwarding address or anything informing them that the given address wasn't any good. This is the same address we sent out initial notice informing the [redacted] that they are in collections and they have 35 days before the claim reports to any credit reporting agencies.  After 35 days, typically it's actually more like 45 days before the items get reported, any unpaid balances will automatically report to the credit bureau.  Since the account was just recently paid it will update as paid in full on our next reporting cycle.  It is and always has been company policy to comply with the [redacted]. I can personally guarantee nothing had been said to defraud this company or our client’s reputation.  If I can be of any further assistance, feel free to contact me at your earliest convenience. Respectfully,[redacted]Office Manager