Rash Curtis & Associates

Good MorningThis item will be removed from *** *** Credit ReportWe have called and spoken with *** *** regarding the accountWe have also sent her a letter of our intentions to remove the item from her Credit Report........Thank you

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meSincerely, *** ***

Complaint: ***I am rejecting this response because:
Again this business will need to show proof of the attempted calls to "my Husband" or "myself" checking my phone log there has beattempts as requested please provide dates and times of when these so called attempts took placeAs far as the collector being courteous, that is as wellAll of the calls are recorded please turn over the recorded call In the meanwhile I will consult my attorney in this matterThe financial responsibility to the debt (s) at the time of service were signed by *** *** not myself and even tho *** *** is no longer the collector on this and that is something they have verifiedRemember I contact RCA in regards to this debt not the other way aroundWe are talking about a total of $in debt if that ,under my husbands name not a huge balance, how ever the matter of which RCA claims they have gone about collecting is completely and your company again has violated consumer privacyI no longer wish to go in circles and will seek for an attorney to handle it moving forward if Revdex.com does not resolve this matter the fair way
Sincerely,*** ***

Initial Business Response /* (1000, 8, 2016/01/05) */
Please consider this as confirmation that Rash Curtis & Associates is in receipt of the above-referenced Consumer ComplaintThe account was originally placed with us on October 25, by our Client ***, MD for services rendered to
the Complainant on April 16, for charges totaling $Since the date of receipt, there has been interest accruing for this account which currently totals $As of today, the total balance of the account is $We are allowed, by law, to update the Complainants credit report for non-payment as our account is still outstandingThe complainant also states that we have not contacted her in four years and that we are out of statue regarding collectionsAfter further review of the account, I found that there has been several phone calls made in addition to letters sent to the Complainant starting November 11, We spoke to the Complainant on several occasions prior to where she stated she was unable to pay the billAt no time did the Complainant dispute the validity of the debt or indicate that her Ex-Husband may be responsibleWe received an online dispute back in at which time we update the Complainants Credit Report accordinglyCalifornia law allows us to credit report on a past due debt for up to 7yrs and even after that the debt is still owed if not paidAs a courtesy I have requested an Itemized Statement from the client and will send this to the Complainant upon receiptPlease be advised that our client has confirmed that this account is in fact for the Claimant and not her husbandI do not believe we have violated any laws in attempting to collect on this account and feel that this adequately responds to the complaintShould you have any additional questions or if any additional information is needed, please feel free to contact our office
Initial Consumer Rebuttal /* (3000, 10, 2016/01/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Any letters or phone calls sent regarding collection must have been sent to my ex-husbandI have not even lived in that town for the last yearsI have not lived in that state for the last yearsI have not received any letters or any phone calls until I contacted them recently regarding this incorrect reflection on my credit reportI would like proof of the phone calls, to what phone number and proof of mailings to my address and not my ex-husbandIf they can show that they have talked to me in the last years I will accept this resolutionHowever, I know that they have notThere is a statute of limitations on debt collection which is years
Final Consumer Response /* (3000, 16, 2016/01/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This is not an adequate responseThe service has not contacted me in the last years as they stated that they had doneIf they had then they would have provided the records showing that they contacted meI still don't have any documentation that this was me visiting this doctor whom I have no knowledge ofThis company is intentionally trying to bully a consumer and is attempting unscrupulous practices in order to get paid on an account that is falseI have submitted this information to the district attorney's office as well
Final Business Response /* (1000, 20, 2016/01/28) */
Please consider this as confirmation that Rash Curtis & Associates' is in receipt of the above-referenced Consumer responseWe believe that our responses were adequate and appropriateHave been credit reporting on the Consumer's credit report for years, we've sent letters and made calls in order to get this matter resolvedWe have done our due diligences in regards to the collection efforts and processes in regards to this accountOur client has confirmed that the Consumer was in fact the patient for this date of service which would have made her responsible regardless of marital status at the timeThere are no legal requirements that obligate us to contact the Consumer any specific amount of times after we get the accountThe initial first notice was sent, which is the only document required by law for us to send, and no response was receivedWe also spoke with the Complainants Husband on several occasions as wellHowever, as a courtesy will return the file back to the Original creditor for further collection effortsThis account has been closed from our systemAt this time we feel that this adequately responds to the Consumers 'complaint

Received business response via email on 5/23/16:
In response to the above-referenced consumer complaint, please consider this communication as our formal replyRegarding the request for Validation of debt, California law prohibits us from sending any correspondence to any person who has
requested for communications to ceaseThe Claimant, as he did in this complaint, requested we cease any form of contact regarding said debtIn these situations we are legally not able to correspond with the debtor, neither via written or oral communicationsWe are more than happy to provide Validation for all accounts with our office, however, first we would need a written notice from the Claimant releasing the Cease and Desist request
Also, it is not our practice to "purchase debt", we are contracted with all of our Clients and are hired to collect outstanding balances on their behalfAfter review of the account I did not find that we called the same phone number multiple times however, on occasion if there has been no contact made and no message left, an additional attempt to contact the debtor may take placeFor outbound calls, there are only two possible numbers that would show up on the caller IDThese prefixes are either "***" or "***"We do not use "out of state" area codes for any reason
At this time we believe that the debt owed belongs to the Claimant, if he can provide any documentation proving fraud I will be more than happy to review that information with my clientIf you have any questions or if there is any additional information needed, please feel free to contact me

Initial Business Response /* (1000, 8, 2015/09/25) */
We are in receipt of the consumer complaint, given the information provided we are unable to locate an account in our system for this solely the consumer's namePlease provide detailed demographic and account information reflected on your
Credit Bureau Report so that we may further assist you
Initial Consumer Rebuttal /* (3000, 10, 2015/09/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I just received a written letter from them that the debt is legit and they put an inquiryPlease remove it
Final Business Response /* (4000, 12, 2015/10/01) */
We are in receipt of your responseAfter further review and searching of our system we were able to locate an account for the ComplainantIn reviewing the account it appears the Complainant did state that she had not missed an appointment with Modern Therapies and requested Validation of the debtThe Complainant also submitted an online dispute as wellPer her request, a Validation Letter and a detailed Itemized Statement for this account were mailed to her addressThe total amount due is for a missed appointment as well as an office visit and have since been confirmed with our client that the balance is due and owingThe Complainant missed an appointment on 03/15/which resulted in a $no show feeThe Complainant then missed a second appointment on 07/24/which resulted in a second charge of $for the no show feeFor your reference I have attached the Itemized Bill of which was provided to the patientI believe this adequately responds to this disputePlease feel free to contact our office should you have any additional questions

Initial Business Response /* (1000, 5, 2015/05/11) */
We are in receipt of the consumer complaint, however we are unable to find the account the consumer is referring toThis could be fixed however, we would need to see a copy of the credit report by the credit bureau to be able to further
investigate it and get this matter resolved
Initial Consumer Rebuttal /* (3000, 7, 2015/05/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The account number that I submitted on the original complaint with the last four numbers missing is what is on my credit reportThey put information on my file and it must be removed
Final Business Response /* (4000, 9, 2015/05/22) */
We are in receipt of the consumer's requestAfter review of the account I do see that the consumer did call in on 05/21/and we have located the account with the information she providedThe account has been canceled and a deletion request has been sent to the credit reporting agencyNotice has been sent to the consumer as well

Initial Business Response /* (1000, 5, 2016/01/05) */
Please consider this as confirmation that Rash Curtis & Associates is in receipt of the above-referenced Consumer ComplaintWe received this account in our office on May 29, for $from our client Arch Health Partners, original
services were rendered on March 28, This account has been paid in full as of October 27, On December 20, the Complainant called in and requested for this account to be removed from the Credit Report but the request was denied, which is more than likely what generated this disputeAfter reviewing the account there is nothing that was promised to the complainant that hasn't been provided, the account is closed as Paid in Full as of and the Credit Bureau has been notified accordinglyHowever, as a courtesy I have sent a request to the Credit Reporting Agency to have this account removed as it has been paid over a year and it falls under our small balance thresholdI believe this adequately responds to this disputeShould you have any additional questions or need any further assistance, please feel free to contact our office
Initial Consumer Rebuttal /* (2000, 7, 2016/01/06) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I appreciate you sending over the request for removalI am just wondering why it went to collections in the first placewhen I went to pay my bill ARCH HEALTH in *** could not find anything owed and they also said nothing had been sent to collectionswhen I went in was way before the Debt was sent to collectionsWith that acknowledged by the agent I first spoke with in December of she said that would still make the debt my faultthat statement is incorrect if they couldn't find anything owed then how is that a fair reporting actI only found out about the debt when I pulled my credit history, I had received no mail from Arch stating anything was owedI dont mean to ramble on just confused why it went to collections in the first place and why the RASH CURTIS AGENT wouldn't even listen to what had happened

Initial Business Response /* (1000, 8, 2015/11/18) */
Please consider this as confirmation that Rash Curtis & Associates is in receipt of the Consumer Complaint generated by the above-referenced complainant. To date, Rash Curtis & Associates has a total of 11 accounts in our system for this...

Claimant. Our representatives have spoken with the Claimant on several different occasions, dating back to the beginning of 2014 advising her of this debt. Upon receipt of these accounts a letter, along with several phone calls, were sent to the Claimant on 11/13/2013 advising her of these accounts. We have also made several attempts to send statements via email, per her request. The Complainant never disputed the validity of the debt, she only stated that these accounts should be her ex-husband's responsibility as they were for their daughter. Being that the Complainant is the Mother and Guarantor for the patient, she would be responsible for all incurred charges for said patient. As a courtesy, Rash Curtis will send out all Itemized Statements in reference to the Complainants' original dispute to the residential address provided. It is our belief that we have adequately responded to this dispute. Please feel free to contact our office should you have any additional questions.

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 am impressed that my issue was solved so quickly. 
Sincerely, [redacted]

Initial Business Response /* (1000, 5, 2015/12/02) */
Please consider this as confirmation that Rash Curtis & Associates is in receipt of the above-referenced Consumer Complaint. Rash Curtis & Associates received this account in our office on July 31, 2012, the account was originally sent over for...

$2,815.99 from Doctors Medical Center. This charge was for a hospital visit on November 15, 2011 that was not paid for. Two 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 date. The Complainant has consistently been making payments directly to our office which is then forwarded to our Client for processing. The last payment was made on November 5, 2015. During this two year span, the Complainant has never disputed the validity of this debt. Doctors Medical Center has gone out of business however their Accounting department is still running. Per California State Law, a debt is still owed if unpaid, no matter the duration of time that has passed. The closing of the business does not determine rather or not the balance is due. We send payments to our Client on a monthly basis so that they may update the records on their end. Because we are hired to represent our Clients, contractually we are not allowed to provide contact information for them. Any correspondence received in our office is then forwarded to our Clients for further review. For 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 showing. I have forwarded this information to our client for review. I have also included a copy of your Debtor Statement from Rash Curtis which shows all payments made for the Claimants account. At this time, I believe that this adequately responds to the Complainants dispute. Please feel free to contact our office directly should you have any additional questions.
Initial Consumer Rebuttal /* (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 either. Secondly, I would like those documents to be sent to me by mail. Third, 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 & Associates. Further, I still have no proof, these files will not open!
Final Business Response /* (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 owing. Once the client has sent the account to collections, all communications must take place with the Collection Agency. Although 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 paid. Our client provided us with the Itemized Statement to forward to the Consumer. As a courtesy, all the attached documents have been mailed to the Consumer at the residential address she provided. I believe that this adequately responds to the Consumer's dispute. Please feel free to contact our office directly should you have any additional questions.
Final Consumer Response /* (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 & Associates. I dispute many of the charges and would like to speak directly with the person whom the alleged debt is owed.

Re Complaint [redacted]
This is in response to Ms. Newman’s complaint against Rash Curtis and Associates. There are a number of matters that need to be addressed in her complaint, some of which are inaccurate. On April 2nd 2016, [redacted] called and talked to one of our Reps. He 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 again. The Rep was able to give [redacted] more information on her two outstanding bills. The older bill that [redacted] is referring to was placed in our office for collections on September 2nd 2008. Our Client provided us with limited information about the debt, but the date the debt was incurred was June 28th 2006. She indicates she settled this bill in 2009, but our office has no record of this. If [redacted] could provide documentation about the settlement, we will update our files. If 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 her. Both these statements are inaccurate. As far as being against the law to collect on an older debt, passage of time does not dissolve the obligation of the debt. It is still due. But time does change if the account can be sued over and if it can be reported to a credit report. At this point, the debt is too old to be placed on a credit report or be sued over. As far as our Rep threatening to sue [redacted] over this older debt, just the opposite occurred. After [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 mail. This has been fixed and an email and hard copy will be sent out today of the individual account she is requesting. If [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 amount. She does not need an individual bill of the one she wants to pay. She 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 requested. As stated above, we had the wrong email address on file, and this has now been corrected.
Thank you,
[redacted]
Auditor

Initial Business Response /* (1000, 5, 2015/11/04) */
Please consider this as confirmation that Rash Curtis & Associates is in receipt of the Consumer Complaint. After 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 2009. The original charges were incurred at St. Rose Hospital on December 8, 2008. Our client, Affiliates in Imaging has made several attempts to collect the balance of this account beginning on December 16, 2008. The original Collection Agency that handles this account was AMA Collection Services however Rash Curtis & Associates acquired AMA back in January 2015. Since then, we have sent several letters and made several phone calls to the Claimant regarding this account. The phone number we have listed in our system is the same number provided in the Complaint by the Complainant. At 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 File. For the Consumer's reference, I have included a copy of the Itemized Statement for this account. I believe this adequately responds to the dispute. Please feel free to contact our office should you have any additional questions.
Initial Consumer Rebuttal /* (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 $53 and in return have this item removed from my Consumer Mortgage Credit File.
Final Business Response /* (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 complaint. The Complainant would need to contact our office directly at (XXX) XXX-XXXX in order to resolve this matter in a timely manner, 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. Sincerely, [redacted]

Good Afternoon. Rash 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 Reports. Her issue appears to be with the Credit Bureaus. But as s a courtesy, RCA has sent sent a request to the Bureaus to remove the items from Ms. [redacted] of Concord CA. There is nothing more we can do. If she has any more issues, she needs to take it up with the Bureaus, not RCA. We have done our part.

Initial Business Response /* (1000, 8, 2015/11/20) */
Please consider this as confirmation that Rash Curtis & Associates is in receipt of the Consumer Complaint generated by the above-referenced Complainant. On September 17, 2013 Rash Curtis & Associates received an account from Check-Plus, Home...

Shopping Network for the Complainant. This is an installment plan account. This placement was for a missed installment for repayment of a 6o"LG TV on December 17, 2012 for $279.99. Rash Curtis & Associates also received an account in our office on June 20, 2014 for another missed payment on the same account. This missed installment was originally due June 20, 2012 for $279.99. The Complainant did pay the balance on the June 2012 installment however the December 2012 Installment is still outstanding. The amount referred and client account numbers for all accounts associated with this transaction will be the same because they were for missed payments on the same account. All payments for said installment were for the same amount however each missed installment would generate it's on credit account with Rash Curtis. As a courtesy, we have forwarded a request to our Client to verify that this isn't a duplicate account however, based on the information was have on file it does not appear to be so. To obtain additional information regarding these accounts, the Complainant may contact Home Shopping Network directly at (XXX) XXX-XXXX. It is our belief that we have adequately responded to this dispute. Please feel free to contact our office should you have any additional questions.
Initial Consumer Rebuttal /* (3000, 10, 2015/11/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Rash Curtis & Associates responded have some validation, it is true I miss one payment to HSN on a purchase I made, but Rash Curtis are claiming that it was two payments on the same account, and that is not true. I finally contact HSN and spoke to Stacy who is in charge of the account. She stated that Rash Curtis had duplicated that account and she instructed them to fix and delete the account from my credit report. She asked Rush Curtis to fix this problem and to send me a letter stated that they had fixed this problem. However, Rash Curtis had not fulfilled the agreement we made when I paid this account. They promise me that they would remove this account from my credit report and they have not done so. For these reasons I'm not satisfied with the outcome, this company needs to fulfill what they promise.
Final Business Response /* (4000, 12, 2015/12/02) */
Please consider this as confirmation that Rash Curtis & Associates is in receipt of the Complainants rebuttal. On November 24, 2015 we received a response to our initial request from our client to validate the second account. Our Client responded stating that the December 17, 2012 date of service was in fact a duplicate account. At that time the account was cancelled from our system and a request to have the blemish removed from the Complainants credit report was sent to the credit bureaus. Additionally a cancellation letter was mailed to the Claimant at her residential address. It was never our intent to mislead or cheat the Complainant out of additional funds. Our clients submit new business to us and although we have systems in place to try and prevent these types of situations from happening, certain circumstances allow these types of occurrences to prevail. Rash Curtis & Associates is a reputable company that is driven on providing excellent customer services to anyone that does business with us. We work diligently to ensure that all transactions occur in a manner that is pleasing to our consumers. We apologize to Ms. [redacted] for any inconvenience this incident may have caused. Please feel free to contact our office should you have any additional questions.
Final Consumer Response /* (2000, 14, 2015/12/09) */
(The consumer indicated he/she ACCEPTED the response from the business.)

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

Initial Business Response /* (1000, 5, 2015/08/05) */
We are in receipt of the consumer complaint and do apologize the deletion was not put thru sooner. We have requested the deletion as of 08/04/2015 and will be reported to the credit reporting agency. As 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 /* (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 Bureaus. After checking my credit report today, (Aug 18, 2015), report remains unchanged and the negative report (collection) stays.
Final Business Response /* (4000, 9, 2015/08/18) */
we are in receipt of the consumer response and do understand the frustration she feels. The report does take about 30 days to update in their system.
Final Consumer Response /* (2000, 11, 2015/08/27) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Good Morning,
Rash Curtis & Associates (RCA) apologizes for the oversight of one of its Representatives. After [redacted] called RCA on 9/12/2017, the situation was immediately dealt with. [redacted] should not see the item on her Credit report within 72 hours. The individual who made the...

oversight was talked with to ensure this does not happen again.
Our Bookkeeping Department reversed the $25.00 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 /* (1000, 5, 2016/01/11) */
Please consider this as confirmation that Rash Curtis & Associates are in response of the above-referenced Consumer complaint. After 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 Complainant. Additionally, we do not show any record of our company contacting (XXX) XXX-XXXX. In order for us to better assist, the Consumer may contact us directly at (XXX) XXX-XXXX and ask to speak with Dan. In order to expedite your call, please indicate that this is regarding your "Revdex.com" Complaint. There are other criteria or scenarios that may help us rectify this situation so a phone call would be the best option at this time. It is not our intent nor desire to "harass" the Complainant in any manner and we will do our best to get this situation rectified. At this time we believe that this adequately responds to the Consumer's complaint.