Pendrick Capital Partners LLC

Pendrick Capital Partners, LLC (PCP) acknowledges receipt of the above-mentioned complaint. PCP has multiple medical debts resulting from services provided to [redacted] prior to May 2015. This is prior to his Medicaid eligibility. These would still be considered valid debts but PCP has decided to... close all of these accounts based on [redacted] 's financial hardship.

May 16, 2016Dear [redacted] ,Pendrick Capital Partners, LLC (PCP) acknowledges receipt of the above mentioned complaintPCP has reviewed [redacted] 's complaintPlease understand that PCP has purchased this account from the original Creditor listed above and is still the owner of this accountIt has not been sold to [redacted] (***)The account has been placed with [redacted] for the purpose of debt collection only.Upon receipt of this letter PCP contacted the original creditor to research the circumstances surrounding this accountThe research has shown that [redacted] did incur charges in the amount of $on 12/26/2014.The original billing was sent to the address provided by [redacted] to the hospital at the time of serviceThe hospital verified this information against the driver's license that was presented to themThat address is [redacted] *, New Bedford, MA [redacted] .On March 5, the original creditor did receive updated insurance information stating that the insurance to be billed was " [redacted] "On March 9, the billing was sent to the insurance company providedTo date there has never been a response from the insurance company.If [redacted] feels that his insurance should have paid this, he must contact them directly to see why it wasn't paid when the claim was submitted.Since the itemized billing statement requested relates to medical data that information will not be sent to you, so that there is no potential violation of State or federal privacy lawsThis material has been sent directly to [redacted] .Very Truly Yours,Anthony AChief Compliance Officer

Pendrick Capital Partners, LLC (PCP) acknowledges receipt of the above-mentioned complaintWe have researched your matter and discovered that the payment receipt you sent was for the actual hospital bill and not the emergency room physicians bill listed aboveWe did however discover that there was
an initial request for charity care consideration that was not approvedBased on your unique financial situation PCP will be closing these accounts and no balance will be dueYou will receive a written confirmation of that from the agency we have assigned your account toYou should receive that in the next 7-days

Pendrick Capital Partners has reviewed and investigated *** ***'s complaint and have closed the above referenced accountThe trace lines will be deleted and there will be no further attempt to collect this balance in the future

[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 as Answered]
Complaint: ***
I am rejecting this response because: I gave the correct information as far as my last name and addressI will not give them my SS# to try and further investigateAnd as far as a copy of the credit report in question, I received it online and have no access to a printer so cannot forward itI do not see how they can't find me yet put a collection account on my credit report with Transunion and ExperianAgain, I want this to be removed.
Regards,
Beth P

Pendrick Capital Partners, LLC (PCP) acknowledges receipt of the above mentioned complaintPCP understands That *** *** believes this account was paid in full prior to Pendrick Capital Partners, LLC purchasing the debtWe understand that a letter with documentation was sent to ***
*** *** *** (***)on or about 11/8/*** immediately placed the account in a dispute status and halted all collection activity at that timeThey also forwarded *** *** letter including the evidence of payment made on this account, At that time PCP contacted the original creditor listed above to investigate the matter.A review of the documentation provided does appear to substantiate that this account was paid prior to PCP purchasing the accountAs a result, Pendrick Capital Partners is closing this account and no further attempts will be made to contact *** *** regarding this debtWe have also instructed *** to do the samePendrick Capital Partners, LLC does not sell accounts so this will remain inactive in our system and not be forwarded or sold to any other company.I believe this will resolve this issue to *** *** satisfaction

Pendrick Capital Partners, LLC (PCP) acknowledges receipt of the above mentioned complaintPCP understands That *** *** has some concerns regarding the above accountPlease review our responses to his concerns.The above stated debt was incurred by *** ***s wife when services were provided to
her on 7/9/under the name *** ***.*** *** has stated that Pendrick Capital Partners buys “zombie debt”While it is true that Pendrick Capital Partners does purchase valid debts from emergency room physicians the above account is less than years from the date of serviceBased on that date this account is still eligible for credit reporting under the FCRAWhile PCP has not credit reported this account, this fact demonstrates that this is far from the “zombie debt” alleged.*** *** also states that his wife was a minor covered by her parent’s insurance policy at the time the services were providedThe original client’s records indicate that *** *** birthday is 12/29/This would have made her over years old at the time of service*** *** was clearly not a minor at that timeIn addition, the creditor did bill the insurance company provided and they did pay the majority of the billThe $remaining is the patient responsibility portion of the bill.Finally, *** *** claims that Pendrick Capital Partners has threatened his wife and sold her personal informationPCP has never threatened either *** *** or his wifeWe did not sell her information to anyoneIt was provided to *** *** *** to facilitate the repayment of the debt through collection efforts.*** *** is not disputing the debt, only his wife’s responsibility to pay the balance of the bill for services she did receiveNeither Pendrick or the original creditor can determine what arrangements were made between *** *** and her mother regarding the patient responsibility portion of the outstanding balance.*** *** has requested that we reduce the account balance to $While the account is valid, Pendrick Capital Partners does not want to add to any stress between the patient and her motherAs a result, PCP has closed the above accountThere will be no further attempts to collect this balanceShould either **or *** *** wish to discuss this further they can contact me at the above phone #.Very Truly Yours,Anthony A***Pendrick Capital Partners Chief Compliance Officer

Pendrick Capital Partners, LLC (PCP) acknowledges receipt of the above mentioned complaint PCP understands *** *** believes this account does not belong to herThe charges due stem from medical services provide to a person who provided *** ***’s name and an address that matches
*** ***’s address as provided in this complaint. Since *** *** believes that this is not her we have closed this accountWe have also notified *** *** *** to do the sameThey will be sending *** *** a letter confirming that the account is closed and that they have deleted their entry on her credit report.Very Truly Yours,Anthony AlbanesePendrick Capital Partners Chief Compliance Officer

Agency tried contacting this person to explain the notice Not a scam but an ER Emergency room bill We will have an itemized statement sent to them. Dee10-6-

Pendrick Capital Partners, LLC (PCP) acknowledges receipt of the above mentioned complaintPCP understands That *** *** Feels her Credit report has not been updated promptly enough*** *** Is correct she did pay the account but that was just on 3/20/That payment will be reported to
the credit reporting agencies within the time limits specified by the Fair Credit Reporting Act (FCRA)She has asked PCP to update her credit reportPCP is not a data furnisher to any Credit reporting agency and as such has no direct ability to update her credit reportWhat we can do is as follows; Revenue Group has deleted their tradeline regarding the above account and sent the deletion request to the credit bureausThey have also sent written confirmation of that directly to *** ***Please note that neither PCP or Revenue Group can control how long that deletion will take at each credit reportingagency.Very Truly Yours,Anthony A*** Pendrick Capital Partners Chief Compliance Officer

Pendrick Capital Partners, LLC (PCP) acknowledges receipt of the above mentioned complaintPCP understands that *** *** feels he does not owe this billPCP purchased the above accounts from the original creditor listed aboveThe balances represent charges that were incurred when the above
listed original creditor provided emergency room physician services to *** *** on 2/16/We have sent *** *** itemized billing statements detailing these chargesTo protect his privacy that data has been sent directly to the address he has listed in this complaint and will not be shared in this forumShould *** *** have any further questions he can contact me at the telephone H above or contact the agency assigned his accountHe has their information from the original letter referenced in this complaint

[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,
*** ***

Pendrick Capital Partners, LLC (PCP) acknowledges receipt of the above mentioned complaintPCP understands That *** *** has received a letter and does not understand or recognize what it is in reference to*** *** actually has outstanding matters with our company but I will address the
one believe he is questioningThe letter was regarding a medical debt that was incurred by *** *** for Services provided by the above Creditor on 02/06/This would be a bill for the emergency room physicians when he visited the hospital on that datePendrick Capital Partners has purchased the account from the above original creditorPCP retains licensed collection agencies to contact consumers on our behalf for the purpose of helping consumers establish repayment plansPCP has sent no letters to *** ***Any letter sent would have been sent by one of the collection agencies we retain to help consumers establish repayment plansIn this case I believe that to be from *** *** ***A copy of the letter referenced is attached to this complaintUnlike *** *** suggests the letter does provide the name of the creditor as Pendrick Capital Partners and the name of the original creditor along with the original invoice# as well as the name and multiple ways to contact *** by telephone, email or websiteThe letter also very clearly explains to *** *** how he can dispute the debt or request additional verificationIf at this time we have not provide enough information for *** *** to recognize this account or he wishes a more detailed and itemized Statement of the account that can be requested through *** *** *** using the contact information in the letterTo protect *** ***' Privacy that detail will not be included with this response*** should also be contacted if *** *** does not dispute the debt and wishes to take advantage of one of the settlement options he was offered in the letter.Very Truly Yours,Anthony A*** Pendrick Capital Partners Chief Compliance Officer

[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: I am not the person they are looking for and they need to clarify their paperwork to reflect thatIf any bad hurting report is sent to credit agencies regarding this,I will take civil matters against them and they will be liable for any monies due.I tried to tell them this is not me
Regards,
*** ***

*** *** and *** ***, Pendrick Capital Partners (PCP) acknowledges receipt of your complaint regarding this matter and welcomes the opportunity to help you resolve thisPCP is the owner of these accounts and they were placed with *** *** *** to help you establish a payment
planPCP has not sent any letters to youThe letter attached to this complaint was sent by *** *** ***. This letter is not the first letter *** has sent youThey sent earlier letters on 10/31/and 11/7/which explained the following details and more. These balances are the result of emergency room physician services proved to you on 12/07/(covered in the 10/31/17) letter and 11/23/(covered in the 11/7/letter).The first letters sent by *** provided all required validation requirements as listed above plus the original creditor names and other informationBecause of the confidential nature of that information will not be provided in this forum. Please contact *** directly if you need more information as they can provide you itemized billing details and any other information required to resolve this

RE: Complaint ID: *** Submitted: 12/21/16Complainant: *** ** ***Pendrick Reference #: ***Original Creditor: ** *** *** ***Original Creditor Account Information:Account # Account Balance*** $1,259.00*** $28.00Dear *** ***,Pendrick Capital Partners,
LLC (PCP) acknowledges receipt of the above mentioned complaintPCP understands That Mr*** does not recognize these accounts and believes that he may not owe the balancesThe above accounts resulted from services provided to Mr*** on 3/5/by the original creditor listed abovePendrick Capital Partners (PCP) has purchased the above accounts from the original Creditor, Our research shows that Mr*** was covered by Medicaid at the time of service but unfortunately Medicaid declined the payment due to Some technical issues in the filing processSince the charges were not paid by Medicaid the balance on the accounts is still technically duePendrick Capital Partners feels that since these claims were not paid through no fault of Mr*** we are closing the accounts on our systemThere will be no further attempts to contact Mr*** regarding this matterWe will instruct our agency to do the sameShould there be any other questions I can be contacted at the above address or telephone number.Very Truly Yours,Anthony A*** Pendrick Capital Partners Chief Compliance Officer

Pendrick Capital Partners, LLC (PCP) acknowledges receipt of the above-mentioned complaint and welcomes the opportunity to respond to *** ***'s concerns*** *** did indeed receive emergency physician services from the above listed original CreditorHe is also correct that this claim was never
turned into any insurance companyAt the time the service was provided on 11/10/the records indicate that he never presented insurance information to the facility he was treated atHe was listed as a self-pay patientFurther research with the original creditor shows that *** *** was sent separate statements listing the outstanding balance on 11/18/15, 12/23/and 1/27/*** *** at no time contacted the original creditor to provide insurance information.PCP acquired this account directly from the original creditor listed above in July of and placed the account with *** *** *** to contact *** *** and set up a payment plan appropriate to his Financial situationPCP does not sell any account ever and still owns this account.PCP has no affiliation with *** *** who was representing the original creditorWe cannot comment on what they did or did not do prior to our purchase of this account.Should *** *** have further questions or wish to inquire about hardship repayment plans he can contact *** *** *** directly at the address and telephone if they have provided.Anfhonv A*** Pendrick Capital Partners Chief Compliance Officer

May 31, 2016Dear *** ***,Pendrick Capital Partners, LLC (PCP) acknowledges receipt of the above mentioned complaintPCP has reviewed *** ***'s most recent communication regarding this matter.All of the concerns expressed by *** *** have to do with the original creditor named above and actions he believes they did or did not take appropriately*** *** has recently provided evidence from his insurance company that indicates that at least a partial payment was made towards the account in question purchased by PCPWe have asked the original client to conduct further research into this.Although PCP is not directly responsible for the actions that occurred prior to our purchase of the account in question, We feel the following actions are appropriate in this situation.Pendrick Capital Partners will close the account *** in our systemWe have instructed *** *** *** to do the sameThere will be no further attempts to contact or collect this balance from *** ***Since we are the current owner of the account this should address *** ***'s Concerns and resolve this matter.Should there be any other questions please contact me at the above phone number.Very Truly Yours,Anthony A.Chief Compliance Officer

Pendrick Capital Partners II, LLC (PCP) acknowledges receipt of the above mentioned complaintPCP understands that *** *** is unaware of Pendrick Capital PartnersPCP purchased the account in question from the above mentioned creditorThe account has been placed with *** ***
***, LLC (***) to facilitate repayment of this accountAn initial collection notice was mailed by *** on March 17, This letter was mailed to the address as provided by the original creditor as belonging to *** ***.We have informed *** of the dispute and they have placed the account in a disputed status and have sent notice to update the credit bureaus accordingly.Should Ms*** require more information or an itemized billing statement she can request that through *** bycontacting them at *** *** ***, *** *** *** *** ***, Westbury, NY 11590Very Truly Yours,Anthony A*** - Pendrick Capital PartnersChief Compliance Officer

Dear *** ***, Pendrick Capital Partners, LLC (PCP) acknowledges receipt of the above mentioned complaintPCP understands *** *** is unhappy with the amount of time it has taken to have this account removed from his credit report.Pendrick Capital Partners did purchase this account
from the original creditor listed above with the understanding that the balance was duePCP is still the owner of this accountPCP did place the account with *** *** *** (Ability) to collect the debt.When *** *** contacted *** in August they brought his claim to our attentionUpon investigating PCP did validate with the original creditor that this account should be closed with no balance due from *** ***We informed *** of that and they in turn communicated that to *** ***.PCP has contacted *** to research the credit reporting history*** did indeed send an Automated Universal Data Form (AUD) to the credit bureaus on 9/12/with instructions to delete this trade line from all bureausNeither *** or PCP can be responsible for the amount of time it takes each Credit Reporting Agency (CRA) to process the AUD and delete this accountThe process can take up to 30-daysPendrick has never reported the account to the CRA's so there is nothing for us to delete.At PCP's request *** did send a 2" AUD today, 9/22/in an attempt to expedite the processWe are confident that if *** *** allows the time required for the CRA's to process and update his report he will see that it has been removedShould this account still be listed on his report after 10/15/he should contact me directly.Very Truly YoursAnthony A***Pendrick Capital Partners Chief Compliance Officer