Physicians & Dentists Credit Bureau Inc

Thank you for forwarding the consumer complaint regarding Mr*** (Internal Account #***)Our records reflect the following:
On 6/12/an account was listed with our office for Mr*** and a notice was mailed on 6/17/15. On 6/19/our representative called
the number on the account and spoke with Mr*** spouseMs*** stated the car had been sold two weeks prior to the impound, however our representative explained the car was still registered to Mr*** and a bill of sale was not filed with the StateMr*** also talked with our representative on 6/19/and stated he was faxing over information to show he did not own the vehicle. On 6/22/our representative reviewed the information and did not find a sales report prior to the impound date
On 6/22/our representative located Mr*** place of employment (POE) and called; but was not able to reach Mr*** and did not leave a message. On 6/25/our representative again tried reaching Mr*** at his POE and did leave a message for him on his voicemailOn 7/16/our representative again tried to reach Mr*** at his POE, but did not leave a message
On 7/20/our office received a letter requesting our office not to contact Mr*** at his POE and outlined his dispute regarding his accountOur representative noted this account as disputed and marked the POE as “Do Not Contact”
This account is being investigated by our Compliance Officer and today the following has occurred:
1. This vehicle is currently registered to Mr***
2. A bill of sale has not been filed with the State
3. At the time of impound the vehicle was registered to Mr***
4. The account was noted as Do Not Contact the place of employment as soon as we were informed and no further calls were made to the POE
5. The account does not credit report and the preliminary investigation indicates the account is owing

Complaint: ***I am rejecting this response because: Still no offer to settle, just threats to take assets from an unemployed mother of three and student. All this from a medical bill that was processed through insurance but coded wrongMy complaint is valid and I will not accept any responses that threaten to take assets and not offer any compromise. The complaint stands. Sincerely,*** ***

Good Morning,
In responding to this Revdex.com complaint, I am happy that we (P&D and Ms***) were able to reach an amicable arrangement to bring the issue to the path of resolution. Thank you for taking the time to voice your concerns, as those concerns were heard and we have
advocated on your behalf to our client. We look forward to working with you as this process is completed
Sincerely,
Phillip O***
President-Attorney
Physicians & Dentists Credit Bureau

As stated in our previous response; our investigation has produced the following: 1.      This vehicle is currently registered to Mr. [redacted]2.      A bill of sale has not been filed with the State3.      At the time of impound the vehicle was registered toMr. [redacted]4.      The account was noted as Do Not Contact the place ofemployment as soon as we were informed and no further calls were made to thePOE5.      The account does not credit report and the preliminaryinvestigation indicates the account is owing If Mr. [redacted] could assist our investigation by providing the documentation showingthe bill of sale was filed with the State and the vehicle was not registered toMr. [redacted] at the time of the impound, we would appreciate it as it would resolvethis matter.

Thank you for forwarding us the Revdex.com Complaint from Consumer [redacted]. As of the date
of this letter, we have made contact with Ms. [redacted] and discussed the account at great length.
Ms. [redacted] was under the impression this was a new collection matter rather than and older
account. Ms. [redacted] has...

voluntarily agreed to let the wage garnishment stay in place for the
statutory sixty days, and in the event a balance remained after said period of time, Ms. [redacted]
has agreed to set up voluntary payments to close out any remaining balance.
If you have any questions, please contact Phillip O[redacted] at [redacted] directly.
Dated this 8th day of September, 2017.
Sincerely,
Phillip S. O[redacted] Esq.
AttorneyPlease see the attached response to Ms. [redacted] Complaint #[redacted].Thank you

Complaint: [redacted]I am rejecting this response because: 
Please see attached documentSincerely,[redacted]
RE: Revdex.com Complaint ID #[redacted] To Whom It May Concern, This is in rebuttal of the erroneous assertions provided to the Revdex.com by Dennis A[redacted] of the Physicians and Dentists Credit Bureau dba P&D Collection and [redacted]. History: We were contacted by [redacted] in 2012 by letter asking for payment for towing and impound fees for a vehicle we had sold 2 months prior. I had several phone conversations with [redacted] at that time indicating I did not intend to pay because the vehicle was not mine at the time it was towed, and had not been mine for some time. Prior to this, and prior to the vehicle having been towed I had been contacted by the Lynnwood Police Department indicating that they were looking for the vehicle in relation to some nefarious activity. They were informed at that time that the vehicle had been sold some time prior. After the vehicle was towed we were contacted by both WSP and the Pierce County Sheriff's department inquiring about same. All were given the same information, essentially that the vehicle had been sold prior to the interest by police agencies. Police agencies keep records of contact with the public so this information is verifiable. Following my contact with [redacted] I faxed them a photocopy of the bill of safe predating its involvement with the vehicle. During our conversations they threatened to sell the vehicle to recoup their loss on the vehicle. I indicated again that the vehicle was not mine and they were free to do as they chose as I had no claim toward it, nor was I responsible for it in any way. I heard nothing further from them for 2 years and assumed the matter was settled. It was then that I was contacted by the law offices of [redacted] [redacted] [redacted] regarding the same matter on behalf of [redacted]. I responded in the same way I had 2 years prior to [redacted] only this time with a certified letter (copy of same included in my initial complaint to Revdex.com}.
I heard nothing further for 2 weeks short of another year so again assumed that the parties, having made 2 unsuccessful attempts to garner payment from someone who did not owe the debt had finally realized they were barking up the wrong tree. Rebuttal: Please understand that we are now 3 years beyond the vehicle having been towed. While I still have electronic copies of my correspondence, I no longer even recall the name of the individual purchasing the vehicle, nor do I have any of the hard copy documents referred to. I suspect that this is what the pirates seeking to separate me from my money are counting on. They do not care that it was not my vehicle when it came into their possession. All they care about is that they believe they have found another sucker who they can coerce and frighten into covering not only their costs, but providing them with profit and interest for their unfortunate circumstance regarding the vehicle in question. They have not considered the disruption to my life in having to spend my time defending myself against their usurious intent. They have not mentioned that they no doubt they sold the vehicle long ago to recoup what they had invested in in it terms of time, gasoline for their tow truck, wages for the driver, and storage. Nor have they subtracted those earnings from the money they say I owe. No they'll just consider that they cherry on top of their rip off. They just want my money, not because they think I owe it, but because they think they can get it by using threats of legal action to their advantage. Not because it is fair, just, or correct, but just because they can. If they thought that I actually owned the vehicle when it was towed, they would have come after me 3 years ago. No, they know it was not my vehicle. So they just waited long enough for me to have forgotten about it to the extent that they could extort their pound of flesh from me since they were unable to do so from the arrested felon who actually owned the vehicle, and who had it in his possession, along with a car full of stolen property at the time of his arrest. Mr. A[redacted] provided you dates of contact and scrambled the content of those contacts to make himself look blameless in having ignored the directions he received from me regarding future contacts. The fact is he did harass me at work after I repeatedly requested that he not do so. He did not contact me on my cell phone following my request that he do so exclusively after my work hours, until such time as I followed through on my promise to bring the Revdex.com and the Attorney General into the equation unless he ceased his harassment of me at work. The fact is that the email I sent to him the very first day he contacted me (a copy of which was also included in my initial complaint to the Revdex.com) contains my request that he not contact me at work as I felt it could jeopardize my employment, and that that date far predates what he maintains. This man, his company, and the company he represents, are disingenuous to say the very least, and engaged in what they know to be dishonest and predatory business practices. I for one find them
cowardly and contemptable. Rest assured they will not receive a dime from me without bringing me to court and I will happily spend many times what they claim I owe them on legal fees to bring to light their despicable character and intent. My countersuit will include reimbursement for my time, frustration, mental anguish, and of course personal legal fees. I fervently hope your organization sees fit to publicly discredit them for what is without doubt a flagrant disregard for truth, decency and simple correctness.

Several accounts have been placed in our office for Consumer[redacted] ([redacted]).  The first one was on3/11/08, and a judgment was issued for this account on 11/24/08. A secondaccount was placed on 2/23/10 and a third on 4/14/10. The total amount due inour office for [redacted] as of...

5/18/15 is $1,582.97.Our office made several attempts to resolve these accounts with[redacted] over the years. On 3/31/15 our office received an email from [redacted] askingus to write off the account due to the inability to pay the accounts. Ourrepresentative called [redacted] and reviewed the account in our office,including the judgment. [redacted] stated there was no money availableto pay the accounts. On 4/22/15 our office received another email from Consumer[redacted] again requesting our office to write off the accounts. Ourrepresentative contacted [redacted] and again confirmed our office wouldnot be able to fulfill the request to write off the accounts. On 4/23/15 [redacted] sent an email offering to pay $10 permonth on all three accounts. Our representative notified [redacted] thatwe were not  be able to accept the $10per month as an agreeable payment plan, but that we would apply all paymentsthat were sent in to the accounts and once the accounts were paid in full, thethree major credit bureaus would then be notified of the paid in full status. Ten dollars per month is not an acceptable payment arrangement. On thisschedule, it would take over 13 years to pay off this account and this does nottake into consideration the accruing interest. We would not accept thisarrangement; [redacted] circumstances may change in the future and wewould bound to the $10 per month payment arrangement. However, as ourrepresentative told [redacted], we would apply any payment to heraccount that was sent into our office. In terms of [redacted] accusations regarding hearing otherrepresentatives demeaning and yelling at clients on the phone; this is notaccurate. Our company has been in business for over 80 years and we have anopen environment where conversations are monitored and the type of behavior[redacted] is describing is not tolerated. [redacted] has not made any payments on the accounts listed inour office since 3/11/2008. If you have any further questions, please contactour office. Additionally, it was stated this was the second notice our officereceived regarding this complaint; our records reflect this is the firstnotice. Please let us know when the first notice was sent so we can confirm theinformation used for the notification.

Thank you for forwarding us the Revdex.com Complaint from Consumer[redacted]. Please see the following information as it is documented in ouroffice:An account was listed in our office for Consumers [redacted]on 6/22/15 and a notice was mailed on 6/23/15. On 7/7/15 Mr. [redacted] calledour office and spoke with...

one of our representatives. Mr. [redacted] stated sincethe bill was Ms. [redacted]’s bill to call her and hung up. On 7/14/15 one of ourrepresentatives spoke with Ms. [redacted]. Ms. [redacted] stated Mr. [redacted]handles the money and did not know why he would not pay the account and statedshe would have him call our office. On 7/16/15 Mr. [redacted] called our office,stated he was on L&I and setup a payment plan to resolve the account withtwo payments and have it paid off by 8/31/15.On 8/27/15 Mr. [redacted] called our office and requested thepayment scheduled to run on 8/31/15 (the final payment) to be cancelled andrequested a new payment plan. Our representative told Mr. [redacted] the paymentwould not be processed and the payment plan he was proposing was notsufficient; additionally, due to the default on the payment plan the accountwas now going to the legal department for legal review. Mr. [redacted] was upsetby this information and the call was terminated. Mr. [redacted] called our officea second time on 8/27/15, asked for our address and threatened ourrepresentative with physical harm.This account is still owing and is being reviewed for legalaction. Mr. or Ms. [redacted] are welcome to contact our office to resolve thisaccount.Please let our office know if you need any furtherinformation.

Complaint: [redacted]I am rejecting this response because: There are no specified dates of contact or methods of contact previous to my calling them after finding it on my credit.There are only two years remaining for these debts before they have to remove them by law. I would rather have them on my report for 2 more years than pay this company a dime. They're accusing me of lying and the company has other [redacted] feedback that have similar complaints about the way the poor customer service and unethical business practices. Sincerely,[redacted]

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.  This has been handled.Sincerely, [redacted]

Our office is not and has not threatened Ms. [redacted]. We have informed Ms. [redacted] of the process and have told her we will apply any payment she provides to our office to her outstanding balances. Please see previous responses for further detail.

Thank you for forwarding our office the complaint ID #[redacted]. Please see the information below for the summary of events pertaining to this account as reflected in our office:On 10/2/14 an account was listed in our office for the Consumer (referred to as Consumer for privacy purposes) for services...

provided prior to 10/12/13. Our client was unable to collect the amount due from the Consumer for nearly 12 months and then referred it to our office.On 10/3/14 our office mailed the Consumer a notice. On 10/16/14 our office spoke with the Consumer regarding the account owing in our office and the Consumer stated it would be paid when it was possible. Our office tried to reach the Consumer multiple times after 10/16/14, but was unsuccessful and the Consumer did not call our office back to resolve the account.On 4/14/15 a Summons and Complaint was filed with the Court due to the fact our office was unable to voluntarily collect the account. Papers were issued to a process service company to serve the Consumer. On 5/4/15 the Consumer called our office asking to resolve the account. Our representative provided the Consumer with the payment plans available and the Consumer ended the conversation by stating they would call back. Our office did not hear back from the Consumer and on 6/18/15 a default judgment was entered against the Consumer. On 8/25/15 a garnishment was sent to the Consumer’s employer. On 9/2/15 the Consumer called our office and our representative reviewed the notes on the account with the Consumer and then the call was transferred to a Supervisor and the notes were reviewed again. Our office would have liked to resolved this account voluntarily, unfortunately we had to proceed with legal action as the Consumer did not set-up payment arrangements with our office at any point; prior to legal action or after and now the account is at the garnishment stage.Please contact our office if you have any further questions.