OAC Collection Specialists

We initially received a dispute from Mr. Willie [redacted] on 11/14/2017 via fax for this account. We received the itemized statement from our client, Doctors Radiology Group of Gainesville, and mailed it to Mr. [redacted] on 11/29/2017 to the address on file, showing his responsibility to this bill. ...

As in all states we collect in, we are licenced in the State of Florida to Collect on this. If Mr. [redacted] should have any further questions he may contract me at his convenience.  Jolynn ###-###-####

We have had 6 total accounts come to our office for the consumer in which 4 of them are paid in full. We received the 6th account on 1/18/16 at which time a validation letter was sent out to the consumers address. On 1/19/16 the consumer called and asked about the accounts we hold in our office and...

she said she would have to look into it further and then give us a call back. On 2/29/16 the consumer went online and paid the 6th account for $226. On 3/1/16 the consumer called and said she wants a statement of the remaining balances in our office at which time a statement was immediately sent out. To date we still have 2 accounts that still have balances on them. One was from 9/23/14 for $218.31 and the full balance is still due. The second is from 10/1/14 for $43.66. This account does have a 5% interest on it. There was a payment of $17.07 on 4/9/15 and another payment of $18.84 on 5/7/15 which leaves a balance of $$9.35. I hope this clears up any confussion there may have been.

We received Mr. [redacted]'s account 7-16-14 and his validation notice was sent same day.  We made several attempts to contact Mr. [redacted] by telephone but no phone contact was ever made.On 11-3-14 our client notified us that the account was paid in full.  Mr. [redacted] contacted us via phone on...

12-2-14 inquiring on the status of his account at which time we advised him the account was paid in full.   He inquired about the account and his credit we advised him that the account would be reported as paid in full that accounts are not deleted because of the Fair Credit Reporting Act.  Upon further review of his account and that no prior contact was made we have requested his account be deleted from the credit bureaus.    Consumer reporting agencies may take up to 30 days or longer to update reports and this is beyond our control.Your assistance in this matter is appreciated.[redacted]

This account has been resolved with the consumer and the credit reporting agencies. We have to follow laws regarding disputes and protocol for our clients. I apologize that there were issues with Ms. J[redacted] bill but unless payment is made to our company once an account is sent to us we have to wait for the client to report a payment.

We received this claim for Mr. [redacted] from our client Sunshine Radiology. We received this claim on 5/19/2014 after which time we sent out a validation letter. We have tried to make several calls to Mr. [redacted] with no luck in getting a response. If you had insurance you would need to follow up with...

your insurance company to find out why this claim was not paid. I will be sending [redacted] an itemized statement to the address he provided so he will have this within a week or two. If he should have anymore questions I am more then willing to help him through getting this claim paid. Jolynn###-###-####

We did receive a phone call from Mr. [redacted] on 3/10/2016 at 9am in the morning. When speaking to one of our representatives we did discover that this was indeed reported to the wrong persons credit report. Upon learning this we did request to have this deleted from the credit reporting agencies...

immediately. It is now up to them to update there information. If there are any questions please give us a call directly.

Please call our office so that we can take care of the balance from your account. I apologize for any inconvenience.

[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 [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 have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted] I will not accept this offer, because I never received any documents nor do I have a contract with oac who is reporting this account on my credit report as negative, which violates  my rights, they only way to resolve this matter is to remove all accounts from my report

We are registered under both names in accordance with the the Florida State law. You can find all the information you need on the Florida Secretary of State Business site, as well as the Florida Financial Institution.

[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 [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

I can't get copies of letters that went out or a phone log since we outsource them. I can give you notes from there account as to when calls where made.We received the account 9-2-2014 and a validation letter went out to the address that was on file at the clients office. Then the following were calls: 9-9-14 no answer, 9-11-14 no answer, 9-24-14 Unidentified male answered the call then hung up, 10-17-14 no answer, 10-23-14 no answer, 11-07-14 no answer, 11-12-14 no answer, 11-19-14 no answer, 11-26-14 no answer, 12-15-14 no answer, 1-8-15 no answer, 1-30-15 unidentified man said not his number anymore. We tried to locate and call on numbers we could find for him with no success. 3-11-16 9am the spouse called and we got ok to talk to consumer and asked for a good number to call. She then implied that this is the sons account and not her husbands. We verified social and date of birth to be the husbands. At this time spouse also gave an updated address. We were also able to obtain the correct insurance information.3-11-16 10am the spouse called to get an email address3-11-16 2pm spouse faxed over an explanation of benefits for Midwest Orth. This is not our client and was the wrong EOB.3-11-16 2:30pm spouse called to get status. She said she will call insurance and do a 3 way with us.3-14-16 Insurance phoned said they looked into the account and the claim was denied because the id number on file was wrong. 3-14-16 spouse phoned and said 3rd party does the billing, (SVA) and claims they said that this was a mistake and it should be taken out of collections. 3-18-16 spouse phoned and said she wants a statement stating we will take this off their credit report. Informed her this can't happen until the account is resolved. 3-22-16 SVA called to verify that we did attempt calls and wanted to know about contact with consumer. Asked that we keep this in collections until the account is resolved with the consumer AND insurance. 3-23-16 We mailed a corrected HICFA to the insurance with the proof of timely filing so they could reprocess the claim.4-8-16 spouse called and officially disputed the claim and said since it's disputed we have to take it off her credit report.4-14-16 client phoned and gave us insurance real address. The one Mr. [redacted] provided to us was not correct. We mailed out another HICFA to the right address. Now we are just waiting for insurance to make their payments on these claims. Once insurance makes payment there will be a balance that the consumer will probably have to pay. Once there is a $0 balance in the office we will be more then happy to have this removed from the credit reporting agencies. Our client has asked us to continue to have it report as it is a balance that is absolutely due. Attached you will find the HICFA and timely filing that was sent to the insurance company. I hope this helps clarify some things for you.

We received this account for Mr. [redacted] on 9/2/2014 at which time a validation letter was sent out to the address the client had provided us from the consumers file. On 1/30/2015 we were informed the phone number we were provided with was incorrect. On 3/11/2016 Mr. and Mrs. [redacted] contacted us...

regarding this bill. Over many phone calls and three way communication with the insurance company the insurance informed us that the claim was denied due to an invalid id number. Over the course of a week we have received the correct id number and insurance billing information and have resubmitted the claim. The client has not pulled this from our office as it is a claim that is still due. When insurance pays their portion and the [redacted]'s pay the remaining balance we will be more then happy to agree to have this deleted from the credit reporting agencies.

This has been deleted already. As I have already explained to consumer if he continues to dispute the account through the credit bureau he will reactivate the account. He needs to give the credit bureau time to update things on their end.

Good Morning,As stated in our previous response, we sent Mr. [redacted] an itemized statement of the charges on 5-6-15 as requested.  Mr. [redacted] did contact our office via phone on 5-8-15 and paid his balance in full.   A request has been made to have the account removed from the credit bureaus.  Please keep in mind it can take the credit bureaus 30-90 days to remove the item and this is out of our control.Your assistance in this matter is appreciated.[redacted]

Good afternoon,As stated previously due to  the Fair Debt Collection Practices Act we are not able to communicate with anyone without verbal or written authorization from the consumer who is responsible for said debt.  I agree that would be great if we could use the authorization the facility has on hand but unfortunately it doesn't carry over.If he is unable to contact us via phone we recommend he send in the payment along with a note requesting a paid in full receipt as we send them by request only along with the additional information that is needed.I can reached directly at ###-###-#### or ###-###-####.Your assistance in this matter is appreciated.[redacted]

We did speak with Ms. [redacted] and her insurance company on 11/3/14.   According to [redacted] they had no record of our client's claim on file.  We agreed to file the claim which we did on 11/6/14.  It can take up to 30 days for the insurance company to process the claim.  Once the claim is processed they will send Ms. [redacted] her EOB and our client the payment.  The insurance companies do not send payment to us.  Once Ms. [redacted] receives her EOB we ask that she send us a copy to expedite the payment.   We have put a hold on her account for 30 days while the claim is being processed.Your assistance in this matter is appreciated.[redacted]

Please be advised,We have requested her account be deleted from the credit bureaus.  The control number is [redacted].  Consumer reporting agencies may take up to 30 days or longer to update reports and this is beyond our control.Please contact me directly at ###-###-#### should you have any...

further questions or concerns.[redacted]

[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 [redacted], and find that this resolution is satisfactory to me. 
Regards,
 
[redacted]

Good Afternoon,We received Mr. [redacted]'s account 2/23/09 and his validation notice which clearly stated who his creditor was and the amount due was issued the same day.  Our 1st phone contact with him was 7/23/09 at which time he indicated he is doing the best he can and will mail us monthly...

payment.s  Since receiving his account there have been 3 payments applied to his account.  Our client notified us on 8/12/09 that they received $30 from Mr. [redacted].  Our client also reported to us on 1/7/10 of a $40 payment that was made directly to them.  On 2/15/11 he spoke with [redacted] and agreed to pay $70 each 2 weeks we received his $70 on 2/18/11.  To date we have received nofurther payments.  His balance remaining is $503.    Since receiving his account he has had numerous conversations with several of our collectors who would have advised him of who his creditor is and that the services where rendered at [redacted] Hospital but that the actual account is for [redacted] which is the charge from the emergency doctor who treated him.   Our client does not bill thru the hospital therefore the hospital would have no record of the charges or if any amount was past due.   Once our client sends an account to our office they no longer send invoices to their patients.  We will send him a corrected itemized statement that will reflect the payments made and the amount due.   Should he have any questions please have him contact me directly at ###-###-####.Your assistance in this matter is appreciated.  [redacted]