Professional Credit Service

TheiThi            This Communication is from a debt collector.                   City of Portland – Water Bureau account was referred to our office for collection in June of 2016. We immediately sent two...

letters to your address of record of [redacted], Portland, OR [redacted]. On July 6, 2016, our office received your dispute letter that requested validation of theUnde            Underlying obligation in our office. We contacted our client to gather documentation, and mailed the responsive documentation to PO [redacted] on August 24, 2016. 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 cycle. We maintain, however, that a balance remains due and owing in our office. Please contact on                 our account representatives at (866) 254-2993 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 information. Professional Credit Service

This communication is from a debt collector.Thank you for notifying us of your concerns. Our records show that we reviewed the account referenced in your complaint on February 28th and agreed to waive the remaining interest. We also requested that a letter confirming the settlement be mailed to the...

address on our file on March 10th. If you need anything else, please do not hesitate to contact our Consumer Help Desk at (866) 320-6521.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 is satisfactory to me.
However, I would like it noted that it took months for this organization to recognize my account paid in full. I'm curious if it was someone else's fault why was this not mentioned in previous conversations with supervisors!??? And how interesting once I filed this compliant with Revdex.com my account mysteriously was updated.
Sincerely, [redacted]

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 10 year + period. That 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 also. Sincerely,[redacted]

This communication is from a debt collector. Thank you for contacting Professional Credit Service (Professional) regarding your complaint. 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 should you have...

any further questions.  Your Samaritan Pacific Community Hospital account was referred to our office for collection on May 3rd, 2011. We sent letters to the address associated with the account, and received no indication that these letters were returned as undeliverable. On May 27th, 2011, a Professional reached out to you via phone to discuss your account. During this phone call, you were informed of the services provided and balance due as of that date. Immediately after this phone call, Professional sent an additional letter to the address you provided during the conversation. Professional again contacted you on December 9th, 2011 in a phone call. In this conversation, you agreed to set up payment arrangements of $20 per month, beginning on January 13th, 2012. Given the balance of your account, and your financial circumstances that you described during the phone call, Professional elected to place the account on an internal hold, until we received some indication from either you or one of our data vendors that your financial circumstances improved. During that time, Professional did report the account in question to the three major credit reporting agencies on ten separate occasions. While we appreciate your concern that you were not contacted regarding this obligation for a relatively long period of time, our company did make you aware of the obligation in 2011 and we had conversations regarding the account. Also, please note that we offer a service to our clients to contact their consumers regarding the obligations referred to our office and to provide consumers with the ability to make payments. When, as was the case here, we receive information that suggests an inability to pay, we often allocate less time to working that particular account. Further, please be advised that the time period to file a lawsuit to collect this account has expired. As such, we will not sue you if you decide that you do not want to pay this account voluntarily. Further, if we have not already done so, we will request that the three credit reporting agencies remove the account from your credit report during our next reporting cycle. We will also update our file so that we do not contact you regarding this account in the future. Thank you for notifying us of your concerns and please feel free to contact our Consumer Help Desk at (866) 320-6521 if you need any additional information. Regards,PROFESSIONAL CREDIT SERVICE

Complaint: [redacted]I am rejecting this response because:
During repeated calls to the office employees were rude, condescending jerks and kept saying, 'we don't know whether we will return it to the company or to you.  I paid off the debt, but they STILL made no real effort to fax over the release.  They have been able to gain interest on money they should have never had.  
Evil business, tacky practices and now you're on notice. 
Sincerely,[redacted]

This communication is from a debt collector.
 
We appreciate the additional information you provided in your response. Our collection efforts are on hold while we verify the information with the State of Oregon. We want you to know that we appreciate your concerns and we only intend to contact you again if the State of Oregon provides proof that you are responsible for the account (in which case, we will forward such proof to you). Thank you again for allowing us this opportunity to work toward a resolution of this matter and please do not hesitate to contact our Consumer Help Desk if we can be of further assistance.
 
Sincerely,
Professional Credit Service

This is a communication from a debt collector. We have mailed out a letter in response to your complaint, but would like to take this opportunity to apologize for any confusion that may have taken place during your conversation with our office. It appears that our representative was under the...

belief that you were no longer on the phone because of a period of silence that lasted for about two minutes. For your review, we have enclosed copies of the documentation supplied by the original creditor, as well as our own internal accounting of the amount owed. Please feel free to contact us if you need anything else.Sincerely,Consumer Help Desk[redacted]

This is a communication from a debt collector.
According to our records, one of our credit representatives recently sent an account statement to your home address, along with a copy of the judgment from Lane County Circuit Court Case No. [redacted]. The account statement should show the dates of...

service and balances for each of the accounts. If you have not yet received the account statement, please contact our Consumer Help Desk at the number above and we would be happy to send out an additional copy. We have also mailed you a letter addressing the other concerns that you raised in your complaint, along with a contact number to reach us if you have further questions.

Complaint: [redacted]I am rejecting this response because:
Thank you. Ask them for the tapes of their conversations with us……………..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 me. Again, 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]

This communication is from a debt collector.
 
Thank you for notifying us of your concerns. We will request that the account be removed from your credit report during our next credit reporting cycle. Unfortunately, we cannot give you any time-frame within which the credit reporting agencies...

will process that request, but we would be happy to provide you with an update if you want to contact our Consumer Help Desk at (866) 320-6521 or [email protected].
We will also mail you the documentation that we recently received from the original creditor. If you need anything else, please feel free to contact our Consumer Help Desk using the contact information above.
 
Sincerely,
Professional Credit Service
Office of the Consumer Help Desk

En agosto del 2014 me acerque a esta empresa después de escuchar su anuncio de radio. En ese momento me dijeron que en un lapso de 30 a 90 días de acuerdo a su experiencia los problemas que mi crédito presentaban serían resueltos. El pago lo solicitaron en cheque o efectivo ya que no tienen punto de venta para tarjetas de crédito. Empezó a pasar el tiempo y nada sucedia, si los llamaba o me presentaba en sus oficinas nunca tenían una respuesta certera, siempre están en un corre corre y supuestamente al terminar lo que están haciendo ya revisan tu caso y te Contactan con un update, cosa que nunca hacen. Mi experiencia con ellos es terrible le solicite que me devolvieran mi dinero luego que han pasado 7 meses y no han hecho nada de lo que me ofrecieron y se negaron. Por mas desesperado que una persona pueda estar, ya que el crédito es la columna vertebral de la economía americana por lo menos con esta empresa llena de excusas y mentiras mi experiencia ha sido terrible y el servicio por el cual les pague no me lo han cumplido.

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.

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 creditor. We also left you a message on 12/10/2012 at (509) 430-5435, but we didn't hear back from you. We then notified the credit reporting agencies of the delinquent account in February 2013. 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.
 
We are sorry to hear that our previous responses haven't addressed your concerns. In our letter mailed to you after our first response, we provided a summary of the collection history between the date of the judgment and the date of your complaint. If you need an additional copy of that letter, please contact our Consumer Help Desk at (866) 320-6521.
 
With respect to your concerns regarding why more collection efforts did not take place, we believe that was largely attributed to the fact that we had a difficult time trying to locate you during that period. As noted in your complaint, you were out of the state for several years. You also have a fairly common name, which could have contributed to our staff's inability to verify any address updates. If you believe it is unfair that you should be responsible for the entirety of the interest that accrued during that period, please feel free to make a settlement offer that includes a reduction of that interest and we would be happy to review it with our management team.
 
Sincerely,
Professional Credit Service

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 error. I 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 apologize if your credit report has not yet been updated to reflect our request that this account be deleted. Unfortunately, we are not able to control the amount of time that it takes the credit reporting agencies to process one of our...

requests. However, we can confirm that we have submitted the request.
 
If for some reason the account is still on your credit report, you may wish to contact the relevant credit reporting agency that has failed to update its records and dispute the account with that entity. If you need additional information, please feel free to contact our Consumer Help Desk at (866) 320-6521.

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 of your complaint. We apologizeif one of our representatives was not professional and courteous in his/herinteractions with you...

over the phone. If 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’ work. With respect to the relevant account, the original creditorassigned it to our office on October 8, 2006. 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 time. Unfortunately, we did not hear fromyou or receive any payments on the account during the next few years. As aresult, we filed a lawsuit on March 28, 2011. 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, 2011. A copy of the judgment hasbeen mailed to the most recent address that we have on file for you. As you can see from the judgment, the Court awarded$1,120.80 in principal balance, $643.34 in prejudgment interest, $200.00 instatutory attorney fees, and $183.00 in costs. The 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 $3,141.27 (as of June 10,2015). We apologize if the judgment balance does not accurately appear on your creditreport. However, we do not report judgments to the Credit Reporting Agencies(CRAs). They are public records that the CRAs obtain through other means. Assuch, we cannot accept your offer of $1,120.80 to settle the judgment. Wewould, 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 [redacted], Springfield, OR 97475.

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 10/15/15 to resolve this debt and begin payment arrangements.Sincerely, [redacted]