O'Block Homes Inc

Thank you very much for allowing us an opportunity to respond to this issue.We would be happy to explain had the consumer contacted us.There is no duplicate charge, although I can see why she may think that.She owes two bills to the same creditor for the same amount; however, one is from services
rendered in and the other in 2016.The total amount owed is $796.00.Our office is open today until 7:00pm if Ms*** would like further details. ###-###-####.Thank you!Donna N*** S***, Credit Bureau of Lancaster County, Inc Collection Division

Dear ***,We consider this matter closed. On May 31, the consumer filed simultaneous complaints to you as well as the CFPB as well as sent communications directly to us In the meantime, the account had already been researched and closed. Our company responded immediately, and although we have 30-days to investigate, we were able to resolve the matter swiftly, in less than 24-hours. We sent the appropriate delete command to the national credit repository and we mailed a deletion letter to the consumer for their records.Our obligation under the law has been met in its entirety and was done so expeditiously. We are under no obligation to send a "pdf" of anything. At this point, these rejections are frivolous and we're asking you to close the case. We are an upstanding company and take complaints very seriously. We work within the confines of the laws that govern us and we also go above what the law requires in many cases.The account is no longer with our agency and the issue has been resolved.Sincerely,Donna

Thank you for the opportunity to respond. Our office also composed a response to the CFPB in August when ** *** utilized their complaint portal as well.Our office responded swiftly, working ** *** creditors to assist in resolving her issue.The creditor was able to resolve the accounts
mentioned and just last week payment was reported to our office.We sent a credit report deletion command to Transunion.The matter has been verified, investigated and resolved.Thank you

Thank you very much for the opportunity to look into the matter.On July 25, Ms*** faxed papers to us however they were entirely ineligible to the point where we couldn't even scan the document. It was so unreadable that we could not make out any thing on the document
itself. On August 1st we reached Ms*** and explained we need a legible letter confirming her dates of eligibility. On August 16th and August 19th Ms*** stated she was going to mail the information needed to complete the investigation. Since she stated she was mailing it on Friday the 19th and it's only Monday the 22nd, it has not arrived in the mail yet.Once we receive the information we will review and contact her creditor. We will respond to Ms*** with the outcome at that time

Complaint: ***
I am rejecting this response because:Having the medical records on hand and not being billed from the hospital on the date in nor received a bill from The hospitalI'm requesting them to send a validation letter from the original creditor for both cases
Regards
*** ***

Thank you for your communicating with our office with regard to the consumer dispute.Our office has never received an Identity Theft Affidavit or Police Report, nor have we received any communication from the alleged victim, making it impossible for our office to investigate and assist (until
now). Although an ID Theft Affidavit and Police Report are required with Identity Theft, we have none the less closed both accounts.One point of clarification: We did not re-assert a previously deleted account. There are accounts that have been submitted to our establishment. According to the national repositories, it may take more than 14-days to fully delete off of the consumer report. The deletion command has been initiated by our office. For future reference, a police report may be required in order for an alleged Identity Theft claim to be considered. If the consumer has any questions, please direct her to contact me. ###-###-####

Thank you for the opportunity to look into the matter with regard to *** ***.While we've never spoken to *** ***, we have received correspondence and have responded. Moreover, we are a contracted Business Associate under the HIPAA rule and are authorized under HIPAA to engage in
collection activity with her creditor. *** *** may request her own medical records if she desires to do so.Acct ***:Validation notice mailed by our company: 11/14/(no response).5/18/we received a request for validation with a cease communication instruction. Validation was mailed to *** *** 05/19/2016.Acct ***:Validation notice mailed by our company: 11/14/(no response).03/14/2016- We received an ACDV and responded.04/18/2016- We received an ACDV and responded.05/18/we received a request for validation with a cease communication instruction. Validation was mailed to *** *** 05/19/2016.10/24/we received a fax from *** *** that she refuses to pay.01/17/we received another letter requesting validation. As a courtesy, we re-mailed the validation for both accounts that was originally sent on 05/19/2016.01/23/received complaint from Revdex.com- responded with history of validation.Her accounts have been verified and remain as disputed

Thank you for the opportunity to investigate. A federal validation notice was delivered in February of 2015. This is the first we've heard from *** ***. The collector immediately put the account into investigation. During investigation, the collection activity is halted
and we register the account as disputedThe creditor client did bill her insurances prior to collection, however decided to cancel the debt at this point. *** *** complained to the CFPB and the Revdex.com simultaneously. This was hardly necessary and we acted immediately. The issue was resolved in less than 24-hours. We received the complaint prior to having a chance to contact the creditor. The issue is resolved

Thank you for the opportunity to respond to the Revdex.com,Mr*** has accounts:$188.07$1097.35$1012.86$733.65A total of: $3031.93Individual Validation Notice letters were sent for each account. Prior to Mr*** contacting our office today, he had previously paid $2431.93.As of today,
Mr*** paid the remaining final balance of $600.00. He is now paid in full.A paid in full letter has not been sent on any account thus far.While we are eager to assist consumers and offer courtesy payment plans, it remains the consumers duty to keep track of their balance. Moreover, as a courtesy, we deleted the previously paid accounts from Mr***'s credit report. We will do the same in approximately 45-days for the account that was paid in full today, contingent upon the funds fully clearing Mr***'s bank account.We hope this adds clarity for Mr***. I assure you, the exact amounts owed are the exact amount that was paid. Our office harbors no credit balances. $was due in total. $has been paid.Thank you once again.Best regards,Donna N*** S***, Executive Director

Dear Revdex.com,Thank you once again for the opportunity to respond. Ms *** has simultaneously been in touch with an agent in our office and requested copies of the bills. This request is underway and will be sent to her upon receiving the documents from her creditor.It's important for Ms *** to note that the bills that are overdue in our office are not hospital bills as she mentioned in her rejection.Moreover, the creditor mailed statements to her prior to listing for collections. The last billing date to Ms *** was:LAST STMT DT :02/06/for the service LAST STMT DT :01/08/for the service.Thank you and once again, verification of each account is in process and will be mailed to Ms ***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because: Nothing was handled correctly and was not even allowed to speak to a supervisorYou won't release the phone call because it will prove that at first the employee actually thought everything was caught up and couldn't understand what was going onHe had to call me back later and when I asked to speak to a supervisor it was refused
Regards,
*** ***

Dear ***,Thank you once again for your facilitation of the matter.We do not furnish consumers with our proprietary data or call recordings.We understand Mr*** is not happy and we believe we have sufficiently responded to his concern. We accept that he is not happy with our response however; there is nothing more we can do for him at this juncture other than send validation of each original amount and the amount paid for his records, which I will prepare today.As stated in the previous response, Mr*** is currently paid in full and his balance is (zero).Thank you

Complaint: ***
I am rejecting this response because the business did not provide proof in PDF format as requested.
Regards,
*** ***