Professional Credit Service

This is a communication from a debt collectorThis is an attempt to collect a debt and any information obtained will be used for that purpose.Thank you for notifying us about your complaintPursuant to USC 1692b, a debt collector may contact third parties to obtain location information about the consumerIt sounds like the calls referenced in your complaint complied with the requirements of USC 1692b, but if you have reason to believe otherwise, we would be happy to investigate this matter furtherBased on the information provided in your complaint, we have blocked future calls to your place of employment If you have any questions, or if you need additional information, please contact our Consumer Help Desk at ( [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution will work provided there is a followup letter sent to me with an update of the information I requested Sincerely, [redacted]

This is a communication from a debt collector Unfortunately, we were unable to locate any accounts basedon the information you providedPlease feel free to contact our Consumer HelpDesk at [redacted] and we would be happy to try and find the relevantaccountsWe will likely need your husband’s name and an account/case number tolocate any accounts If you prefer to communicate in writing, you can send aletter to our Consumer Help Desk at PO Box ***, Springfield, OR

Complaint: [redacted] I am rejecting this response because:I am requesting validation, made pursuant to the Fair Debt CollectionPractices Act and the Fair Credit Reporting Act, along with the correspondinglocal state lawsPlease note that I am requesting “validation”; that iscompetent evidence bearing my signature, showing that I have (or everhad) some contractual obligation to pay you.Please also be aware that any negative mark found on my credit reports(including Experian, Transunion and Equifax) from your company or anycompany that you represent, for a debt that I don’t owe, is a violation ofthe FCRA & FDCPA; therefore if you cannot validate the debt, you mustrequest that all credit reporting agencies delete the entry Sincerely, [redacted]

TheiThi This Communication is from a debt collector City of Portland – Water Bureau account was referred to our office for collection in June of We immediately sent two letters to your address of record of [redacted] ***, Portland, OR ***On July 6, 2016, our office received your dispute letter that requested validation of theUnde Underlying obligation in our officeWe contacted our client to gather documentation, and mailed the responsive documentation to PO [redacted] on August 24, This letter and documentation was not returned to our office as undeliverable, so the assumption was that you receive not hear from you again until this complaint Given the circumstances of your payment history to our client, we will request that the three major credit reporting agencies remove the account from your credit report during our next reporting cycleWe maintain, however, that a balance remains due and owing in our officePlease contact on our account representatives at (866) 254-if we can be of further assistance Again Thank you for notifying us of your concerns and please feel free to contact our office if you need any additional informationProfessional Credit Service

This communication is from a debt collector.Thank you for notifying us of your concernsOur records show that we reviewed the account referenced in your complaint on February 28th and agreed to waive the remaining interestWe also requested that a letter confirming the settlement be mailed to the address on our file on March 10thIf you need anything else, please do not hesitate to contact our Consumer Help Desk at (866) 320-6521.Sincerely,Professional Credit Service

This communication is from a debt collectorWe have prepared a response and compiled the documentation that you have requestedWe will mail those materials to you shortly at the Mosier, OR address listed in your complaint and would welcome you to contact our Consumer Help Desk at (866) 320-if we can be of further assistanceSincerely, Professional Credit Service

This communication is from a debt collector We are sorry for your frustration, but our records show that we attempted to contact you in 2012, using the information provided by the original creditorWe also left you a message on 12/10/at (509) 430-5435, but we didn't hear back from youWe then notified the credit reporting agencies of the delinquent account in February As noted in our previous response, we will request a deletion of the account from your credit report, but we are not able to process a refund in this case Sincerely, Professional Credit Service Consumer Help Desk

This communication is from a debt collector [redacted] [redacted] Dear Mr [redacted] , I am writing in response to the complaint that you filed with the Revdex.com (Revdex.com)I would like to apologize if we have not adequately addressed your concerns up to this pointI will do my best to provide additional information in this letter, but please feel free to contact our Consumer Help Desk at (866) 320-if you would like to discuss this matter further First, I want to say that we greatly appreciate your recent efforts to pay your accounts at Professional in fullAs noted in your complaint, we have two accounts for you in our officeThe first account was referred to our office on September 9th, We began collection efforts on this account very shortly afterThis account was first reported to your credit report on December 1st, The second account at Professional was referred to our office for collection on August 30th, Again, we began collection efforts on this account shortly after referralThis account first reported to your credit report on March 18th, Please note that between the dates that each of the above accounts was referred to our office, Professional changed its processes to allow its consumers additional time to work out any potential insurance billing issues prior to the accounts being reported to any credit reporting agenciesAs this additional time typically benefits consumers, it is not entirely clear from your complaint why this would constitute a bad business practiceAdditionally, the credit reporting agencies have asked data furnishers to report files on a periodic basis, but no less than monthlyProfessional reports a file twice each month, usually one file at the beginning of the month and a second file in the middle of the monthAs such, Professional anticipates that your account would be updated well within days of making your paymentHowever, if you believe that it was unfair for the second account to report while you were making payment arrangements, then we would be willing to request that this account simply be deleted from your credit report Again, thank you for notifying us of your concerns and please feel free to contact us if you need any additional information

Complaint: [redacted] I am rejecting this response because: I have contacted Oregon Department of Justice-Child Support Division who assures me that no such account existsMy children are ages and and I have never been contacted before now Sincerely, [redacted]

This communication is from a debt collector Unfortunately, we are unable to respond to this complaint because the complainant has filed a lawsuit regarding the matter referenced in his complaint

Complaint: [redacted] I am rejecting this response because: I don't believe there is a court order If there was a court order there are other means of collecting especially over a year + periodThat is what worries me the most, that this has already been collected Why is this not showing on any of the credit reports? I asked for dates of service alsoSincerely, [redacted] ***

Complaint: [redacted] Thank you for your prompt replyI have attached a copy of the receipt for payment to the City of Eugene and PCS account number [redacted] I have also emailed the consumer help desk at PCS with the official email confirmation and a copy of the attached receiptThis should satisfy the record requirements necessary for a deletion of PCS account [redacted] Kind Regards, [redacted] ***

This is a communication from a debt collectorThis is an attempt to collect a debt and any information obtained will be used for that purpose.Thank you for notifying us of your complaintWe apologizeif one of our representatives was not professional and courteous in his/herinteractions with you over the phoneIf you happen to remember additionalinformation about the call, please do not hesitate to contact us so we canattempt to retrieve the audio recordings from those calls and audit therepresentatives’ workWith respect to the relevant account, the original creditorassigned it to our office on October 8, Our notes say that we spoke withyou on November 27, 2006, and you indicated that you planned to take care ofthe account, but could not at that timeUnfortunately, we did not hear fromyou or receive any payments on the account during the next few yearsAs aresult, we filed a lawsuit on March 28, The declaration of service filedin that case states that you were served by personal service on June 14, 2011,and the Court entered judgment on August 1, A copy of the judgment hasbeen mailed to the most recent address that we have on file for youAs you can see from the judgment, the Court awarded$1,in principal balance, $in prejudgment interest, $instatutory attorney fees, and $in costsThe Court also awardedpost-judgment interest in the amount of 12% per annum from the date of judgmentuntil paid, as a result, the judgment balance is now $3,(as of June 10,2015)We apologize if the judgment balance does not accurately appear on your creditreportHowever, we do not report judgments to the Credit Reporting Agencies(CRAs)They are public records that the CRAs obtain through other meansAssuch, we cannot accept your offer of $1,to settle the judgmentWewould, however, be willing to discuss other settlement options for you If you have any questions, please feel free to contact ourConsumer Help Desk at [redacted] You may also contact our Consumer HelpDesk in writing at PO Box ***, Springfield, OR

This is a communication from a debt collector.Thank you for notifying us your concerns. We also received your letter dated July 28, 2015. We have put your account on hold to request additional information from the original creditor, as requested in your letter. We will provide that information as... soon as it is available.However, based on your request for no further communication, that will be the last time we contact you. If you need additional information, please contact our Consumer Help Desk at [redacted]

I am on behalf of Professional Credit Service (Professional) in response to the complaint that you filed with the Revdex.com (Revdex.com)I would like to apologize if we have not adequately addressed your concerns up to this pointI will do my best to provide additional information in this letter, but please feel free to contact our Consumer Help Desk at (866) 320-should you have any further questions It would It would appear that the issues raised in your complaint are directed towards our client, HealthCare Partners NevadaWe will notify them of your concerns and provide you with any further information should we learn of any developmentsThe accounts in our office are considered resolved, and will will not appear on your credit report Again, ththank you for notifying us of your concerns and please feel free to contact our office if you need any additional information Regards, PROFEProfeSIONAL CREDIT SERVICE This communication is from a debt collector

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 I would like to state that the original debt is for MY medical care and not a "family debt" My children and husband are no more responsible for my medical care than MY doctor is for theirs and as such the RCW code stated would not be applicable It should also be noted that my husband is not listed on my medical forms as a responsible party to the debt only as a contact in case of medical emergency Due to this I still request that he be removed from all records involving this debt I have also attempted to contact you on October 11th and have left a message I will follow up with the original debtor today 10/15/to resolve this debt and begin payment arrangements.Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: It is NOT the original business' fault that "Professional" Credit Services clearly was not attempting to actually collect the debt owed for almost FOUR years, resulting in additional interest charges to meAgain, I feel that is evidence of highly unethical business practices on the part of PCS and would like a refund on most/all of the interest during the timeframe PCS was just letting this account sit idle and earn interest Sincerely, [redacted] ***

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] I have been in contact with the Moltnomah County D.A.'s office who tell me that the info was forwarded in errorI have been assured that the DA's office will be in touch with the company and will contact me when they have cleared it up I will just allow the DA's office to clarify it Thank you for your help! [redacted]

This communication is from a debt collector We are sorry to hear that the credit reporting agencies have not yet updated their records to reflect our request to have account reference number [redacted] removed from your credit reportsWe would be happy to submit additional requests for that account; however, we are unable to control the amount of time it takes the credit reporting agencies to update their recordsAlso, we are not certain what other account you are referring to in your complaint, as we could not find any other accounts under your name and social security number that were also being reported to any of the credit reporting agenciesIf you would like to send us additional information regarding that account, or a copy of the relevant excerpt of your credit report, then we would be happy to look into that portion of your complaint further Please note that we did not purchase this debt on behalf of the original creditorInstead, our office has contracted with the original creditor to provide third-party collection servicesFor your review, we have mailed copies of the itemized billing statements provided by the original creditor's officeIf you have questions or if you need any additional information, please feel free to contact our Consumer Help Desk at (866) 320-