Rash Curtis & Associates

Good AfternoonRash Curtis and Associates explained in our first response that we are not liable or can not dictate how the Credit Bureaus report to individual Credit ReportsHer issue appears to be with the Credit BureausBut as s a courtesy, RCA has sent sent a request to the Bureaus to remove the items from Ms [redacted] of Concord CAThere is nothing more we can doIf she has any more issues, she needs to take it up with the Bureaus, not RCAWe have done our part

Initial Business Response / [redacted] (1000, 5, 2015/12/02) */ Please consider this as confirmation that Rash Curtis & Associates is in receipt of the above-referenced Consumer ComplaintRash Curtis & Associates received this account in our office on July 31, 2012, the account was originally sent over for $2,from Doctors Medical CenterThis charge was for a hospital visit on November 15, that was not paid forTwo months after the account was placed in our office, September 11, 2012, the Complainant started making payments to us and has been set up on a monthly payment arrangement as of that dateThe Complainant has consistently been making payments directly to our office which is then forwarded to our Client for processingThe last payment was made on November 5, During this two year span, the Complainant has never disputed the validity of this debtDoctors Medical Center has gone out of business however their Accounting department is still runningPer California State Law, a debt is still owed if unpaid, no matter the duration of time that has passedThe closing of the business does not determine rather or not the balance is dueWe send payments to our Client on a monthly basis so that they may update the records on their endBecause we are hired to represent our Clients, contractually we are not allowed to provide contact information for themAny correspondence received in our office is then forwarded to our Clients for further reviewFor your convenience we have attached a copy of your Itemized Statement from Doctors Medical Center which includes your payments however the current balance due on the account is actually less that what Doctor's is showingI have forwarded this information to our client for reviewI have also included a copy of your Debtor Statement from Rash Curtis which shows all payments made for the Claimants accountAt this time, I believe that this adequately responds to the Complainants disputePlease feel free to contact our office directly should you have any additional questions Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/12/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) First, those documents cannot be opened, they seem to be the same ones emailed to me as I could not open those documents eitherSecondly, I would like those documents to be sent to me by mailThird, I should be able to have a conversation with the original creditor if I am to pay them my money, until this happens I will not be satisfied with any response from Rash Curtis & AssociatesFurther, I still have no proof, these files will not open! Final Business Response / [redacted] (4000, 9, 2015/12/05) */ Please consider this as confirmation that Rash Curtis & Associates is in receipt of the Consumer's response however the balance is still due and owingOnce the client has sent the account to collections, all communications must take place with the Collection AgencyAlthough the physical Hospital is no longer seeing patients, the Admin and Accounting departments are still very much actively working with us to get this balance paidOur client provided us with the Itemized Statement to forward to the ConsumerAs a courtesy, all the attached documents have been mailed to the Consumer at the residential address she providedI believe that this adequately responds to the Consumer's disputePlease feel free to contact our office directly should you have any additional questions Final Consumer Response / [redacted] (4200, 11, 2015/12/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am still not satisfied with the documents or responses provided by Rash Curtis & AssociatesI dispute many of the charges and would like to speak directly with the person whom the alleged debt is owed

A review of this account and of the phone conversations will be completed within a few business daysAt that time, a formal response will be submitted Thank you, [redacted] Auditor

Initial Business Response / [redacted] (1000, 8, 2015/09/25) */ We are in receipt of the consumer complaint, after reviewing our records we found that there were no notes on the account indicating that a Settlement for Deletion was promised to the consumerOur company procedures only requires us to update the Credit Report for Paid in Full or Settled in Full respectfully, however, do we offer deletions from the Credit Bureau for certain situationsWe typically do not offer deletions for SettlementsOur records do indicate that the complainant called and spoke with a Manager at our office and was promised a deletion on September 4, 2015, the request was put through to have these accounts removed from the Consumer's credit report at that timeThe Consumer also submitted disputes through the Credit Reporting Agency directly at which time we requested the Credit Bureau Agency remove our inquiry from the Consumer's creditAt this time I believe all efforts have been attempted to have this situation rectified for the Consumer, however as an additional courtesy I have sent manual requests to have these inquiries removed from the Consumer's Credit ReportShould you have any additional questions regarding this matter, please feel free to contact our office

Good Afternoon, Since this client has closed its door we will go ahead and close it out and remove it from the creditThis will take 30-days for the credit bureau’s to pick it up

Initial Business Response / [redacted] (1000, 5, 2016/01/11) */ Please consider this as confirmation that Rash Curtis & Associates is in receipt of the above-referenced Consumer complaintAfter thoroughly searching our systems we were unable to locate an account using any combination of demographic information provided by the ComplainantWe are more than happy to look into the account once we have verified account informationCan you please provide an account number, social security number, address at which correspondence was received from our office and the phone number on which you received the automated calls? The Consumer may also contact our office directly at (XXX) XXX-XXXX in order to expedite locating the proper accountAt this time I believe that this adequately responds to the Consumer's complaint, please feel free to contact our office should you have any additional questions

Initial Business Response / [redacted] (1000, 8, 2015/09/28) */ We are in receipt of the aforementioned Consumer complaint, after review of the our account it does appear that the Consumer's name and phone number were erroneously placed on the incorrect account as we do not show an account in our system for this ConsumerWe received correspondence stating such from the complainant on September 15th and removed his phone number and address from the account at that timeI hope this adequately services as response to this complaintShould you need any additional information, please feel free to contact our office

Initial Business Response / [redacted] (1000, 5, 2015/11/04) */ Please consider this as confirmation that Rash Curtis & Associates is in receipt of the Consumer ComplaintAfter further review of the account we have found that our Client, Affiliates in Imaging, and ourselves have made several attempts to communicate with the Complainant regarding this account dating back to The original charges were incurred at StRose Hospital on December 8, Our client, Affiliates in Imaging has made several attempts to collect the balance of this account beginning on December 16, The original Collection Agency that handles this account was AMA Collection Services however Rash Curtis & Associates acquired AMA back in January Since then, we have sent several letters and made several phone calls to the Claimant regarding this accountThe phone number we have listed in our system is the same number provided in the Complaint by the ComplainantAt this time, due to the age of the account, Rash Curtis & Associates is no longer reporting on the Consumer's credit, however, because the balance is still due it would still appear on the Consumer's Mortgage Credit FileFor the Consumer's reference, I have included a copy of the Itemized Statement for this accountI believe this adequately responds to the disputePlease feel free to contact our office should you have any additional questions Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/11/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) Because this account is outdated, I would like to satisfy the balance in full in the amount of $and in return have this item removed from my Consumer Mortgage Credit File Final Business Response / [redacted] (4000, 11, 2015/11/30) */ Please consider this as confirmation that Rash Curtis & Associates is in receipt of the Consumer's response regarding the above-referenced complaintThe Complainant would need to contact our office directly at (XXX) XXX-XXXX in order to resolve this matter in a timely manner, thank you

Your accounts have been turned over to our Legal DepartmentPlease have your Attorney contact u [redacted] Thank you

Initial Business Response / [redacted] (1000, 5, 2015/09/25) */ We are in receipt of the aforementioned Consumer complaintAfter further review of the account, Rash Curtis & Associate's policies, and the FDCPA it has been determined that we properly handled the dispute received by the ComplainantOn May 4,the Complainant sent in a letter of dispute stating he had no knowledge of this bill and requested written ValidationWe then sent that validation via US mail to the Complainant which included a detailed Itemized Statement for his accountOn his letter of dispute he stated he wasn't aware of the account but on his Revdex.com Complaint he states that the account is too old to still be reporting, which does indicate responsibility for the accountHowever, as a courtesy I have sent a request to the Credit Reporting agency to have this account removed from the Complainants credit reportPlease feel free to contact me should you need any additional information Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/09/28) */ (The consumer indicated he/she ACCEPTED the response from the business.) As long as Rash Curtis & Associates remove this account from all Credit Reporting Agencies, I am satisfied and would like to thank RC&A for doing the right thing

Re Complaint [redacted] This is in response to MsNewman’s complaint against Rash Curtis and AssociatesThere are a number of matters that need to be addressed in her complaint, some of which are inaccurateOn April 2nd 2016, [redacted] called and talked to one of our RepsHe was trying to explain to [redacted] the details of the two accounts she has in our office when she abruptly hung up On April 6th 2016, [redacted] called our office againThe Rep was able to give [redacted] more information on her two outstanding billsThe older bill that [redacted] is referring to was placed in our office for collections on September 2nd Our Client provided us with limited information about the debt, but the date the debt was incurred was June 28th She indicates she settled this bill in 2009, but our office has no record of thisIf [redacted] could provide documentation about the settlement, we will update our filesIf not, [redacted] can mail us a Letter of Dispute outlining why she disputes it [redacted] states in her complaint that it is against the law to collect on such an older debt and that we threatened to sue herBoth these statements are inaccurateAs far as being against the law to collect on an older debt, passage of time does not dissolve the obligation of the debtIt is still dueBut time does change if the account can be sued over and if it can be reported to a credit reportAt this point, the debt is too old to be placed on a credit report or be sued overAs far as our Rep threatening to sue [redacted] over this older debt, just the opposite occurredAfter [redacted] told us it’s against the law to collect on such a debt, our Rep replied “No, it’s against the law for us to try to sue you or something like that, but it’s still due.” I have provided the recording of the conversation for verification of this As far as [redacted] not receiving any emails from us, research shows we had the wrong email on file, resulting in her not receiving any mailThis has been fixed and an email and hard copy will be sent out today of the individual account she is requestingIf [redacted] disputes the older of the two bills, despite what bill we already sent her, by law, she can make a payment just on the undisputed amountShe does not need an individual bill of the one she wants to payShe just need to indicate that she disputes the older account and wants the payment applied to the other account We apologize for not getting her the email she requestedAs stated above, we had the wrong email address on file, and this has now been corrected Thank you, [redacted] Auditor

Good Morning, Rash Curtis & Associates (RCA) apologizes for the oversight of one of its RepresentativesAfter [redacted] called RCA on 9/12/2017, the situation was immediately dealt with [redacted] should not see the item on her Credit report within hoursThe individual who made the oversight was talked with to ensure this does not happen again Our Bookkeeping Department reversed the $on Wednesday morning[redacted] should see the reversal as early as today, but it may take a few business days Again, RCA apologizes for the inconvenience Thank you RCA Auditing Department

Initial Business Response / [redacted] (1000, 5, 2015/08/05) */ We are in receipt of the consumer complaint and do apologize the deletion was not put thru soonerWe have requested the deletion as of 08/04/and will be reported to the credit reporting agencyAs well as I have requested letter be sent out to the consumer advising them this debt will be removed from his credit Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have received the letter by mail stating that Rash Curtis will be requesting such deletion from the credit BureausAfter checking my credit report today, (Aug 18, 2015), report remains unchanged and the negative report (collection) stays Final Business Response / [redacted] (4000, 9, 2015/08/18) */ we are in receipt of the consumer response and do understand the frustration she feelsThe report does take about days to update in their system Final Consumer Response / [redacted] (2000, 11, 2015/08/27) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 5, 2016/01/11) */ Please consider this as confirmation that Rash Curtis & Associates are in response of the above-referenced Consumer complaintAfter completing a thorough search of our systems we are unable to locate an account in our system using any combination of the demographic information provided by the ComplainantAdditionally, we do not show any record of our company contacting (XXX) XXX-XXXXIn order for us to better assist, the Consumer may contact us directly at (XXX) XXX-XXXX and ask to speak with DanIn order to expedite your call, please indicate that this is regarding your "Revdex.com" ComplaintThere are other criteria or scenarios that may help us rectify this situation so a phone call would be the best option at this timeIt is not our intent nor desire to "harass" the Complainant in any manner and we will do our best to get this situation rectifiedAt this time we believe that this adequately responds to the Consumer's complaint

Good Afternoon,
The item in question is not a loan*** *** has Medical debts in our office with a current combined amount due of $2,On Monday August 29th, *** *** * *** *** mailed *** *** statements for each accountWhy*** *** simply did not call RCA to inquire
about the notice she received is curiousThis did not warrant a complaint to the Revdex.com
Thank you

Complaint* ***
I am rejecting this response because: This company is fraudulentI requested via telephone that statements be mailed showing proof of a debt being owed by me, requested by me and signed off by meI also asked that after notification be mailed out, that all communications stopThis company, never mailed me any proof that a debt was taken out and made by me when requested prior to starting my Revdex.com caseThis company was in fact calling me from different area codes other than '***' and '***'I have voicemails from this company reflecting different area codes from different cities and states by this company, all of which have been provided to our family attorney for reviewDue to this company refusing to provide documentation upon initial requests and due to this company continue to call, even after verbal requests to send proof and stop calling, it only shows the deceit played out by this ridiculous companyCalls only stopped once I started my Revdex.com caseI also requested that proof be mailed out to me and THEN for this company to cease contactThis company has no legitimate proof that I took out this debt, otherwise it would have been sentMy attorney will be suing if this fraudulent activity continues by this crook of a companyRead the complaints by others, they're all the sameNo proof? Then this isn't a legitimate debt to pay.
Sincerely,
Bethany Ostrom

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and
will wait to see what they're response will beI just want to the the dollars and not be harrase in the phone, e-mail or letter., for their willingness to buy a debt they was settled many years ago.Sincerely, *** ***

Complaint: ***I am rejecting this response because: This company has to verify the information before they post it to someone's credit reportI hope that I never see anything else on my credit report from these nasty people!Sincerely,*** ***

Complaint: ***I am rejecting this response because:
I received the copies from the credit bureau after the letter from*** * ***The last time I called the credit bureau in Ukiah, she just yelled at me the whole time and wouldn't listen to me or answer my questionsI didn't no they were medical billsThe bills pertaining to *** are untrue.*** has insurance and the billing office incorrectly billed the wrong insurance if it's from *** *** officeWe have been over this with the office several times and they refused to correct the billing and when I called the insurance, they said they submitted the wrong codes and had 3-months to fix and they never did so the insurance denied claimNot*** fault nor is he responsible for billing errors
Sincerely,*** ***

Initial Business Response /* (1000, 5, 2015/07/15) */
We have received the consumer complaint as well as have reviewed our recordsWe have our clients direct number of XXX-XXX-XXXX that the consumer can call directly to get more information on this debtAs well she may call our office directly
to verify her information so we may determine if there is a correction needing to be madeWe look forward to hearing from the consumer as soon as possible
Initial Consumer Rebuttal /* (3000, 7, 2015/07/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I am requesting this murchant and or bill collector to send me any and all documentation including any signed documents regarding this debitThis debit does not belong to me, nor do I owe this company
Final Business Response /* (4000, 9, 2015/07/21) */
We have received the consumer's request and again are advising for her to call directly to our client at XXX-XXX-XXXX for any additional information
Final Consumer Response /* (4200, 13, 2015/07/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This company has failed to provide any and all documentation to prove this debit is validI am filling a complaint with the federal trade commission regarding this debit and how the company refuses to send documentation to prove this debitThis debit has been placed on my credit report even though I do not owe this creditorIf documentation is not provided, I request this company to remove this debit from my credit report