ProTech Security

In response to the complaint sent 7/27/16, we apologize for any inconvenience and haveconducted an investigation that has returned the following informationNo live call appears to have been made to the consumer parents as indicated in the complaint.If they have received any contact from CMC, we apologize as we would have contacted thenumber provided by our clientIf the number provided was incorrect or inaccurate, it ispossible that the parents may have been contactedOur agency would only contact parents ifwe were attempting to locate the consumer due to the incorrect or inaccurate informationprovided by our clientOn 5/20/6, we received information stating the account was paidThis information wasforwarded to the client as verificationOn 7/22/6, CMC received a callfrom the consumer’s sister (contrary to complaint as statedCMC contacted consumer’s sister) who provided an updated number xxx-xxx-1404.Please be advised that our records now show that the account has been paid in full and no furthercontact would be made to the consumer or the consumer’s family concerning this account.If you have any questions, please feel free to contact us at 1-866-368-Thank you.Sincerely,Andy B***Compliance ManagerCredit Management

Mr [redacted] ,Please be advised that in our industry a Paid in Full letter and receipt are two separate documents and a Paid in Full letter is typically requested by a mortgage company or other lender evidencing a debt has been paidThe receipt simply shows the amount paid, the date, and for what account the payment was made (typically)If you make payments using a debit or credit card your statements provide proof of paymentYou may also make payments online using our website [redacted] and obtain a receipt for each payment that wayTo resolve this matter, a letter will be sent to your address at [redacted] providing proof of payment for the accounts we have on filePlease allow a few days to receive this as it will sent via standard mailIf you have questions, please contact us at ###-###-####Thank you

Mr***,We apologize for the inconvenience in this matter and want to assure you that a fee of 25% that is applied to a balance is a statute approved by the state of Pennsylvania for restitution cases (PA Title 42; Section 9730.1(b)(2))CMC does not have any control of, nor any involvement with, the docket information and if there was a comment that stated you had requested the account go to collections than this is a matter best brought up with the courtsCMC would not be able to resolve that issueIn regards to your complaint, it appears per our records that you intend on making payment on the account and ultimately pay it offWhat is your expected resolution for this complaint as it did not appear that any action can be taken by CMC to resolve the issue? If you have any questions, please contact us at [redacted] Thank you

In response to the complaint received on 5/27/15, Credit Management Company sincerely apologizes forthe inconvenience and frustration felt on behalf of the consumer regarding this matterThere was acombination of events that led to the frustration and one of the main points of consternation has beenrectified.The consumer contacted CMC on 9/5/to discuss account and was advised that if issue was withWorker’s Compensation and insurance that she may call back with the Worker’s Compensationinformation and we would proceed with the process of sending this to the appropriate parties forresolutionCalls were made by consumer to CMC on 9/17/14, 10/3/14, 11/20/14, 3/30/15, and 5/27/todiscuss issue.Worker’s Compensation information was provided to CMC on 10/3/14, processed, and consumer wasadvised that the process may take 30-days, or longer, depending on the receiving institutionTo thispoint, the issue was awaiting resolution and processing from the receiving institution (e.gWorker’sCompensation, client, insurance company) provided to them by Credit Management CompanyTo date,this is still being processed to our knowledge.The complaint also staLs, “Credit Management Company continuously called me regarding payment, andthreats of having my credit score compromised.” CMC attempted to contact consumer via automateddialer concerning their account on the following dates: 9/15/14, 10/1/14, 3/26/15, and 3/28/Anycontact made outside of these dates were directed to CMC by consumer and/or intended for a differentconsumerIt was discovered that another consumer with the same last name provided the same phonenumberThis led to calls made to complainant that were not intended for her.Please be advised that our company is provided contact information by clients and assumesaccuracy of this information as provided to them by the consumer.The complainant was advised of this error on 5/27/but stated that she had felt lied toOur supervisoralso advised that she would remove the phone number to prevent further communicationCMC maintainsa quality assurance and monitoring policy for calls and any “threat” of credit reporting would be contraryto all training and policies upheld by the companyAn investigation will be conducted to ensure that nosuch threat was made and, should it be discovered that any threat of credit reporting was made; therepresentative will receive appropriate disciplinary action up to, and including, termination as determinedby managementPlease be advised that no credit reporting has occurred for consumer’s account accordingto our records.As stated previously, CMC has attempted to resolve the following points of frustration to the consumer tothe best of our ability:Worker’s Compensation materials have been sent to the appropriate recipients and are awaitingprocessingPhone number has been removed from our system to prevent future unwanted contactShould there be any further issue or sense of non-resolution, please feel free to contact usAgain, weapologize for any inconvenience and hope that this response is satisfactoryThank you.Sincerely,Compliance Manager

Ms [redacted] As stated previously, CMC cannot provide a bill or statementIn an effort to resolve this for you, we have requested additional information from our client (creditor) in the event that they have any information that can be forwarded to you to assist in providing to the **If no information is available, the only path to resolution would be directly with the **They would need to approve the charges to be paid and advise us of that approval so we can adjust the balance accordinglyPlease allow up to days to provide any additional information from our clientIt will be mailed to you at xx [redacted] once receivedThank you

In response to the complaint dated 6/10/16, we have received the complaint and want to address in the following manner.We apologize for any inconvenience this has caused to the consumer, however; company practice is to provide an authorization code if a credit or debit card is used as receipt of paymentCheck payments by phone take longer to process and therefore do not have an authorization code associated with them as the payment is not processed immediatelyA bank statement or credit card statement may also be used as record of the paymentPayment through the website is another avenue to obtaining a hard copy receipt.If a written document is required to provide to a mortgage company, or other financial institution, please be advised that this is a direct conflict of practices and is a frequent burden on the consumer and on our agencyFinancial institutions typically require a “paid in full” letter requiring an account number, amount paid, date paid, and language stating that the debt has been satisfiedThis goes beyond what is typical process for an agency such as ours and providing these is not a requirement, but a courtesy.Please note that a payment letter, as requested, has been attached to resolve this matter as a courtesy.If you have any questions, please feel free to contact us at ###-###-####.Sincerely,Credit Management Company

In response to the complaint dated [redacted] we apologize for any inconvenience this mayhave caused you. Please be advised that provision of an authorization code is a form of receiptas it is proof of payment. Statements such as your bank statement or credit card statement arealso proof of payment.... Our agents may also direct consumers to our online website to makepayments if you would like a hard copy receipt. Any of these options would have beenpresented at the time of payment. Provision of a hard copy receipt is not required, but availablevia online payments.Attached is a receipt of payment. If you have any questions, please feel free to contact us at [redacted] Thank you.

In response to the complaint received on 6/15/15, Credit Management Company apologizes for theinconvenience regarding this matterPlease be advised that the phone number has been removed from oursystem to prevent future contact concerning this account.Should there be any further issue or questions, please feel free to contact usThank you.Sincerely, [redacted] ***Compliance Manager

Ms. ***, We apologize for any inconvenience this may have caused. After investigating this matter, it appears that you had spoken to a Representative concerning your account with a current balance of $695.92 and requested a reduced amount to pay to satisfy the balance ($200). Unfortunately,... due to the balance amount we would not be able to accept the offer of $200. You stated to our Representative and then the supervisor that you would go directly to the creditor to discuss a reduced amount offer. You are certainly able to do this and if it is decided that the amount would be accepted, we would be advised of such and proceed accordingly to satisfy the balance. We did not find that you were advised you had to pay in full, however; we did state that the amount you had indicated you wanted to pay as a reduced amount simply would not be sufficient given the balance and per our guidelines. If you would like to discuss this matter directly with our client (creditor), please feel free to do so and they can advise us if the amount is accepted. We appreciate you attempting to resolve this balance and are willing to work with you in doing so. If you have any questions, please feel free to contact us. Thank you.

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, provided that I am not contacted again by Credit Management Company in any way concerning this matter, and that my credit score is not adversely affected in any way Any such adverse affect or future contact will constitute a new cause of action and I will proceed directly to the Pennsylvania Attorney General Regards, [redacted] [redacted]

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me However, its unfortunate that a consumer has to file a complaint with the Revdex.com to get a simple receipt Supervisor Vanessa indicated the reason neither receipts nor paid in full letters are provided is because most people have several accounts placed and if a paid in full letter was sent out but then new accounts were placed, consumers would try to use the previously received paid in full letter to justify not paying additional accounts This is flawed logic as it implies that consumers are incapable of understanding simple accounting and that they are deceptive by nature Not all consumers are trying to get out of paying past bills, many just simply cant due to the high cost of healthcareEven if someone tried to use a paid in full letter to get out of paying future bills, you handle that individual separately Don't make a policy that treats us all the same and makes your job easier because all you have to say is "no" rather than make a decision that's in the best interest of the consumerIts not like getting a receipt is a new concept and given that most people do not want to deal with debt collectors, requesting proof that an obligation is paid in full should not be extraordinary.
Regards, *** ***

Dear Mr***,Please be advised that this account was disputed and validation sent to your address on file o* *** * *** ** *** ***If what you received was a "truncated" statement, that information would not have been sent from us as our records show the validation material sent was
a copy of the loan agreement which shows all of the appropriate information outlining the amount provided and what would be owedA disputed account on a consumer report may not be removed unless the item is inaccurate or unverifiableWe have verified the information concerning the balance and have received no supporting documentation evidencing it is in any way invalidIf you have such information, please feel free to provide to us and we will be happy to review as well as request deletion of the item on the credit report should it be discovered that the item is inaccurateUnless further information is received that supports this item is inaccurate, the item will remain on the credit report as disputedIf you have any further questions, please feel free to contact us at ###-###-####Thank you

In response to the complaint dated 3/28/16; please be advised that we apologize for anyinconvenience this has causedCredit Management Company’s role in the credit reportingprocess is simply to advise the credit bureaus of consumer account information and anyupdates to that information.When an
account is paid in full, it may take between 30-days for the information to beupdated, or deleted, from a consumer’s credit reportThe removal of the account is theresponsibility of the credit bureausCredit Management Company notifies the appropriatebureaus to remove the account as it is in paid in fullFrom that point, the bureaus must removethe accountIf the account was paid on 2/12/16, this may still be in the process of beingremoved by the credit bureaus.A manual request to remove the item was sent to the credit bureaus on 3/29/as wellThisnotifies the credit bureaus that an item needs to be deleted from a consumer reportPlease notethat this can take up to 30-days to remove (dependent upon bureaus).If you have any questions, please feel free to contact us at ###-###-#### (toll free).Thank you.Sincerely,Andy B***Compliance Manager

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I am sorry still can't except not being provided a bill, or waiting daysI am going to seek Legal counsel, I have been denied credit because of this Something seems totally unjust about this situation please provide the law or rule that allows you to do thisGod Bless you have a good day

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.Regards,*** ***The details involved are not totally true the last talk with The ** I informed them they requested a bill for me to take or send to them I was hung up on a told noI have been very ill even homeless and not aware of this bill until repairing my credit Someone please explain how someone can charge you to whom you owe nothing under what law or regulationI will take this information to the nearest ** here so as to continue with this case to hurry it because of the Revdex.comAnd yes because I am confused to what hospital please provide me a bill or the hospital direct number I want to get this paid asapThank you

Ms*** We apologize for this inconveniencePlease be advised that this complaint has been investigated and the following was discoveredThis has been an ongoing issue since which appears to be an issue between yourself and the insurance company. The main issue seems to be
that the insurance company or veterans affairs is requiring a bill. Please be advised that as a debt collection agency we do not send out monthly statements or billsThere is an initial notice which was sent on 11/3/You spoke with a Representative on 1/21/concerning this account and provided a new addressOn 5/22/15, we spoke with our client (creditor) who stated ** would not cover this chargeThere were conversations with CMC on 5/27/15, 7/13/15, 10/20/16, and 11/8/On each date, there were continuous discussions concerning the balance shown from the creditor which shows a zero balanceThe reason for this is because when an account goes to collection, the account is written off by the creditor which means the account will reflect a zero balance because the account is no longer in their officeIt is forwarded to the collection agencyOn 10/20/16, you had stated you would contact the ** to see what can be done concerning the accountOn 11/8/16, you had said that a bill is needed by the ** although previous information provided to us indicated they would not pay for the services and it is patient responsibilityThe creditor will also not provide a bill as you have requestedIn order to resolve this, please have ** contact us confirming that they will cover this charge and provide appropriate informationCMC cannot provide a bill or statement as the notice required by law was already sentAlso, the disputes that were sent noted the reason for the dispute as "late due to change of address" which provides little information to investigate or provide information concerning as we were advised of an address update in January Please contact us at ###-###-#### and/or request the ** contact us to confirm coverage and we can work to resolve the issueThank you

In response to complaint dated 10/3/16, we have conducted an investigation into the issuesubmitted per the complaint and have discovered the following:• Check was provided to Credit Management Company made out to a doctor as opposed to“Credit Management Company”• Credit Management Company processed
the check (mistakenly)• Consumer contacted CMC on 10/4/to discuss and wanted a refund• Assistant Manager discussed with consumer and advised that the money would be refunded($50.00)• Individual mistakenly processing check has received disciplinary counseling to prevent fromfuture occurrenceAs the money will be refunded, this issue should be resolvedIf you have any questionsto contact us at ###-###-####.Thank you.Sincerely,Andy B***Compliance ManagerCredit Management

We apologize for the inconvenience and frustration that has occurred because of thissituation. In order to shed some light on this issue and clear any misinformation, our response isoutlined below.Please be advised that discussions have taken place with both medical providers in whichservices were...

rendered and both have provided information validating the balances owed. Wehave been provided itemized statements from Conemaugh Physician’s DLP with accountsnoted as “sent to collections”. We also have documented that you spoke with a [redacted]
[redacted] concerning your accounts in which she validated and no furtherdocumentation was presented as our understanding was this validation was acceptable to you.If you would like the itemized statements for the accounts, please contact us by phone or mail arequest for these items to the address listed on this response.From our research, it appears that there was information provided to you by the [redacted]that may have been incorrect. There may have been balances associated with a Physician’soffice that is billed separately from the hospital and other offices. This is common practice andunfortunately causes confusion amongst patients as it can appear as though you received a billfor the same service. Physician offices that service the same hospital have separate systemsand therefore the information can’t be viewed by other offices. This would explain why they arestating your accounts are paid or that nothing was sent to collections because they, in essence,don’t have the accounts or access to them.Please be advised that if there is any information that you can provide contrary to what we haveon file, or if you believe the balances have been paid, to provide us with the information and wemay forward it to our client(s) for verification.We apologize for this inconvenience and certainly want to come to a satisfactory resolution ofthis matter. Currently, our records and information provided by our clients indicate that abalance is still owed. The balance total is currently $1,209.42 according to our records. Wewould be happy to provide you with the appropriate documentation as stated previously and/orwork out a plan for payment, if you so choose.If you have any additional questions, please feel free to contact us at the number provided.Thank you.Sincerely,Andy B[redacted]Compliance Manager

In response to the complaint received on 5/27/15, Credit Management Company sincerely apologizes forthe inconvenience and frustration felt on behalf of the consumer regarding this matter. There was acombination of events that led to the frustration and one of the main points of consternation has...

beenrectified.The consumer contacted CMC on 9/1 5/14 to discuss account and was advised that if issue was withWorker’s Compensation and insurance that she may call back with the Worker’s Compensationinformation and we would proceed with the process of sending this to the appropriate parties forresolution. Calls were made by consumer to CMC on 9/17/14, 10/3/14, 11/20/14, 3/30/15, and 5/27/15 todiscuss issue.Worker’s Compensation information was provided to CMC on 10/3/14, processed, and consumer wasadvised that the process may take 30-60 days, or longer, depending on the receiving institution. To thispoint, the issue was awaiting resolution and processing from the receiving institution (e.g. Worker’sCompensation, client, insurance company) provided to them by Credit Management Company. To date,this is still being processed to our knowledge.The complaint also staLs, “Credit Management Company continuously called me regarding payment, andthreats of having my credit score compromised.” CMC attempted to contact consumer via automateddialer concerning their account on the following dates: 9/15/14, 10/1/14, 3/26/15, and 3/28/15. Anycontact made outside of these dates were directed to CMC by consumer and/or intended for a differentconsumer. It was discovered that another consumer with the same last name provided the same phonenumber. This led to calls made to complainant that were not intended for her.Please be advised that our company is provided contact information by clients and assumesaccuracy of this information as provided to them by the consumer.The complainant was advised of this error on 5/27/15 but stated that she had felt lied to. Our supervisoralso advised that she would remove the phone number to prevent further communication. CMC maintainsa quality assurance and monitoring policy for calls and any “threat” of credit reporting would be contraryto all training and policies upheld by the company. An investigation will be conducted to ensure that nosuch threat was made and, should it be discovered that any threat of credit reporting was made; therepresentative will receive appropriate disciplinary action up to, and including, termination as determinedby management. Please be advised that no credit reporting has occurred for consumer’s account accordingto our records.As stated previously, CMC has attempted to resolve the following points of frustration to the consumer tothe best of our ability:1. Worker’s Compensation materials have been sent to the appropriate recipients and are awaitingprocessing2. Phone number has been removed from our system to prevent future unwanted contactShould there be any further issue or sense of non-resolution, please feel free to contact us. Again, weapologize for any inconvenience and hope that this response is satisfactory. Thank you.Sincerely,Compliance Manager

In response to the complaint dated [redacted] we apologize for any inconvenience this mayhave caused you. Please be advised that provision of an authorization code is a form of receiptas it is proof of payment. Statements such as your bank statement or credit card statement arealso proof of payment....

Our agents may also direct consumers to our online website to makepayments if you would like a hard copy receipt. Any of these options would have beenpresented at the time of payment. Provision of a hard copy receipt is not required, but availablevia online payments.Attached is a receipt of payment. If you have any questions, please feel free to contact us at [redacted]Thank you.