Professional Credit Service

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.
Sincerely,
[redacted]

This is a communication from a debt collector.  Unfortunately, we were unable to locate any accounts basedon the information you provided. Please feel free to contact our Consumer HelpDesk at [redacted] and we would be happy to try and find the relevantaccounts. We 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 [redacted], Springfield, OR 97475.

This communication is from a debt collector.
 
We are in the process of mailing you a response, which will include a copy of the judgment and a detailed account statement. We also provided some background information summarizing our prior collection efforts. Please contact our Consumer Help...

Desk at (866) 320-6521 if you have any questions or need additional information after receiving that response. Thank you for taking the time to notify us of your concerns and we hope that we can work together toward a mutually agreeable resolution.
 
Sincerely,
Professional Credit Service
Consumer Help Desk, (866) 320-6521

Revdex.com:
 
If Professional Credit Services has changed their policy they should let consumers know that they are being given a "grace" period before it is reported.  If I would have known I would have found a way to pay it a lot sooner.  
 
I will accept this response only if the second account is removed from my credit report to all agencies it was reported to.
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Sincerely, [redacted]

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]

This communication is from a debt collector.
 
Thank you for notifying us of your concerns. We are very sorry to hear that you were frustrated as a result of your interactions with our representatives. As you noted in your complaint, we investigated your dispute and confirmed that your...

insurance company paid the majority of the balance that was referred to our office. We applied those insurance payments to reduce your account balances on June 14th and October 12th; however, four of the accounts still have a remaining balance. Based on your frustration, we will go ahead and request the removal of the accounts from your credit report and we will send you a statement with the current balance on each account.
 
With respect to your concerns regarding the documentation showing a zero balance, please note that the provider processes a bad debt writeoff when it refers the account to our office for collection. That accounting entry ensures that the balance is transferred to our office and it essentially prevents you from owing both the provider and Professional Credit Service for the same underlying account.
 
Lastly, we sincerely appreciate that you took the time to notify us of your concerns, so that we can work to improve the service that we provide to you and our other consumers. If we can be of further assistance, please do not hesitate to contact our Consumer Help Desk directly at (866) 320-6521.

This is a communication from a debt collector.Thank you for providing proof of payment. We are still waiting for [redacted] to confirm that it received the payment and that the account has been paid in full. However, based on the information you provided, we have asked each of the credit reporting agencies to remove the account from your credit report. Please note that it can sometimes take 30-60 days for the credit reporting agencies to update their records. Please do not hesitate to contact our Consumer Help Desk again if you need anything else.Sincerely,Professional Credit Service

This communication is from a debt collector. We have prepared a response and compiled the documentation that you have requested. We 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)...

320-6521 if we can be of further assistance. Sincerely, Professional Credit Service

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 exists. My children are ages 27 and 29 and I have never been contacted before now. 
Sincerely,[redacted]

This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.Thank you for notifying us about your complaint. Pursuant to 15 USC 1692b, a debt collector may contact third parties to obtain location information about...

the consumer. It sounds like the calls referenced in your complaint complied with the requirements of 15 USC 1692b, but if you have reason to believe otherwise, we would be happy to investigate this matter further. Based 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]

This is a communication from a debt collector.We have mailed copies of the itemized statements provided by [redacted] In your complaint, the concern seemed to stem from confusion over payments on theaccount. We received notification of a direct payment from [redacted]...

[redacted]) on 6/3/2015 in the amount of $50.00. [redacted] informed us that this wasa payment that they received directly from you shortly after they sent theaccount to our office for collection. In addition to that payment, [redacted] statesthat they received two $50.00 payments from you after sending you the finalbilling on May 20, 2014. That reduced the balance to $254.62, which was theamount referred to collection. Pursuant to ORS 697.105, [redacted] then added acollection fee in the amount of $47.06.According to [redacted], they sent an email to you on or around 6/23/2014 containing an accounthistory spreadsheet. [redacted] states that it also sent this spreadsheet to you on3/26/2014. Further, [redacted] states that they informed you that you would not beable to make monthly payment arrangements on the final bill while it was intheir office. Instead, [redacted] would send the account to a collection agency where youwould have to opportunity to make payment arrangements. Please do not hesitate to contact our Consumer Help Desk at [redacted] if you needanything else.Sincerely,Professional Credit Service

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.Dear Ms. [redacted], Please contact our office at [redacted] to discuss setting up payment arrangements like the ones proposed in your complaint. It appears from our records that we  attempted to reach you on October 9th, 13th, and 14th, to...

inform you that you can set up $50 monthly payments. However, we have not yet heard back from you.With respect to the prenuptial agreement, our records show that our attorney sent you a letter on July 24, 2015, explaining that a prenuptial agreement is not binding on the original creditor in this case. Here, your husband is being held responsible under RCW 26.16.205, which states that the expenses of the family are chargeable upon the property of both spouses, or either of them. Thus, while your prenuptial agreement may define the rights and responsibilities with respect to certain contractual matters, it does not alter the liability imposed under the statute above. Regardless of that fact, please note that we are willing to work directly with you if you can contact us and enter into payment arrangements to resolve the obligations.Thank you for allowing us the opportunity to work with you and we hope you will not hesitate to contact us if you need anything else.Sincerely,Consumer Help DeskProfessional Credit Service[redacted]

This communication is from a debt collector.
[redacted]       [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 point. I will do my best to provide additional information in this letter, but please feel free to contact our Consumer Help Desk at (866) 320-6521 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 full. As noted in your complaint, we have two accounts for you in our office. The first account was referred to our office on September 9th, 2014. We began collection efforts on this account very shortly after. This account was first reported to your credit report on December 1st, 2014. The second account at Professional was referred to our office for collection on August 30th, 2015. Again, we began collection efforts on this account shortly after referral. This account first reported to your credit report on March 18th, 2016.
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 agencies. As this additional time typically benefits consumers, it is not entirely clear from your complaint why this would constitute a bad business practice. Additionally, the credit reporting agencies have asked data furnishers to report files on a periodic basis, but no less than monthly. Professional reports a file twice each month, usually one file at the beginning of the month and a second file in the middle of the month. As such, Professional anticipates that your account would be updated well within 30 days of making your payment. However, 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: the company did not even mention the amount owed, or whether they would write off the amount owed, instead attempted to make the point that they made contact with me in 2011. They aren't even addressing what I said, and are instead breezing over it and laying blame on me for their lack of concern to call me over the course of several years. I want a yes or no answer to whether they will agree to take off the interest they have allowed to accumulate.
Sincerely,
[redacted]

This communication is from a debt collector. Thank you for sharing your concerns. Unfortunately, we are not able to locate an account with the information that you provided. If you would be willing to provide additional information so that we can locate your account (i.e. Social Security...

Number, date of birth, or possible account number) please do not hesitate to contact our Consumer Help Desk at (866) 320-6521.Again, thank you for contacting us and we hope to work with you to resolve this matter.  Sincerely,Professional Credit Service

Complaint: [redacted]I am rejecting this response because:  They were going to provide collection efforts in the past and give reason(s) why they waited until Dec. 27th 2016
to send a ten thousand dollar bill, just before a new year.  I still have no proof of why this bill accumulated so much interest.  I believe this is some form 
of harassment.Sincerely,[redacted]

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 laws. Please 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]

Complaint: [redacted]Thank you for your prompt reply. I 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 receipt. This should satisfy the record requirements necessary for a deletion of PCS account [redacted]. Kind Regards,[redacted]

This communication is from a debt collector. Thank you for clarifying the address discrepancy. The"Customer Experience Information" listed in your Revdex.com complaint indicated that your contact information was as follows: Customer Information:
[redacted] Also, according to the process server, you were served by personal service on May 20, 2012, around 1:13 PM. Because you did not respond, we requested that the court enter a judgment by default, which the court entered on July 11, 2012. Copies of that documentation is included with our correspondence mailed to you last week. Furthermore, we would be happy to request that the court correct the judgment to fix the clerical error associated with the spelling of your name. If we can be of further assistance, please do not hesitate to contact our Consumer Help Desk at (866) 320-6521. Sincerely,Professional Credit Service