Revenue Assistance Corporation

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted]

January 18, Ms [redacted] Cleveland Revdex.com Dear Ms [redacted] : Revenue Group is in receipt of the Revdex.com complaint filed by Mr [redacted] As a preliminary matter, please note that all disclosures to third parties have been made by Mr [redacted] That said, in an effort to avoid potential disclosures or violations, Revenue Group will respond to his specific allegationsOn November 12, 2014, the [redacted] forwarded an account to Revenue Group pertaining to unpaid corporate franchise taxes for an Ohio corporationPer the [redacted] ’s office, the corporation’s mailing address was a Post Office Box in [redacted] ***, NCIn addition, the [redacted] ’s office provided the name “ [redacted] ” as the corporate contact personAs can be seen from his complaint, Mr [redacted] lives in [redacted] ***, NC, which is just a few miles from [redacted] NCThat said, in light of Mr [redacted] ’s statement and request in his Revdex.com complaint, Revenue Group has removed his information from this file and closed itPlease note that, to date, Revenue Group sent one letter to Mr [redacted] ’s [redacted] address and has never spoken to him on the phoneIf I can be of further assistance, please feel free to contact me at your convenienceVery truly yours, Brian MD***, EsqGeneral Counsel Hinckley Industrial Parkway, Suite Cleveland, Ohio | www.revenuegroup.com

March 29, MsRhonda W [redacted] Cleveland Revdex.com SENT VIA EMAIL TO: [redacted] Re: Complaint ID [redacted] Dear MsW [redacted] Revenue Group is in receipt of the complaint filed by MsS [redacted] Please note that all disclosures to third parties have been made by MsS [redacted] That said, in an effort to avoid potential disclosures or violations, please allow this correspondence to serve as Revenue Group’s response to her stated concernsFrom May to August 2016, the original creditor forwarded approximately eight accounts to Revenue Group for collectionsAfter contacting her about the debts, MsS [redacted] began making periodic payments to satisfy the outstanding obligationsAfter making payments through August 2016, there appears to have been a gap in payments until around December 30, 2016, when MsS [redacted] attempted to make another payment (the $payment at issue here)It seems that the issue underlying MsS***’s complaint arose when one digit of the prepaid card used was inadvertently entered as a result of human errorHowever, earlier this month (just after the instant complaint was filed), a Revenue Group supervisor contacted MsS [redacted] to (1) explain the issue, (2) inform her that the amount at issue had been applied to her accounts, (3) provide her with the total amount still due, and (4) confirm that Revenue Group would send her a balance due letter each monthBoth MsS [redacted] and the supervisor were cordial and professional throughout the conversation, and it appears that her concerns have been addressedThe above notwithstanding, Revenue Group will continue to investigate and monitor the issues raised by MsS [redacted] In the meantime, to the extent MsS [redacted] possesses any additional information she feels may be pertinent to this investigation, she is encouraged to submit such information to the Revdex.comIf I can be of further assistance, please feel free to contact me at your convenienceVery truly yours, Brian MD [redacted] EsqGeneral Counsel

March 14, 2017 [redacted] Cleveland RevDex.com SENT VIA EMAIL TO: I [redacted] Re: Complaint ID [redacted] Dear [redacted] *** Revenue Group is in receipt of the complaint filed by M s. L [redacted] Please note that all disclosures to third parties have been made... by Ms. L [redacted] That said, in an effort to avoid potential disclosures or violations, please allow this correspondence to serve as Revenue Group's response to her allegations. On June 19, 2014, the original creditor provided services to Ms. L [redacted] The amount remaining due and owing after insurance was $416.00. Because the original creditor never received payment from Ms. L [redacted] ***, the account was referred to Revenue Group on March 26, 2015. It appears that the confusion regarding the payment at issue began on Friday, September 30, 2016, when Ms. L [redacted] *ogged into Revenue Group's online payment portal and created a series of prescheduled monthly payments in the following amounts: $51.66, payable on October 3, 2016; $51.66, payable on November 3, 2016; and, $51.68, payable on December 3, 2016. However, for reasons that remain unclear, Ms. L [redacted] simultaneously created an additional payment of $416.00 without cancelling the aforementioned payment schedule. Both payments ($416.00 and $51.66) ran per M s. L [redacted] ***'s instructions, resulting in a $51.66 overpayment.Beginning in October 2016, Revenue Group repeatedly attempted to refund the overpayment electronically, but each attempt failed. However, contemporaneous with the filing of her BBB complaint, Revenue Group mailed a paper check to Ms. L [redacted] ***s address. That check has since been cashed. Unfortunately, as a result of human error, it appears that the refund check was written in the amount of $51.00. As such, a check for $0.66 will be issued to Ms. L [redacted] The above notwithstanding, Revenue Group will continue to investigate the issues raised in Ms. L [redacted] 's complaint. In the meantime, to the extent Ms. L [redacted] possesses any additional information she feels may be pertinent to this investigation, she is encouraged to submit such information to the BBB. If I can be of further assistance, please feel free to contact meat your convenience. Very truly yours, Brian M. ***, Esq. General Counsel [redacted] Cleveland, Ohio [redacted]

Good Evening ***: Attached please find Revenue Group's response to Ms [redacted] 's complaint Please do not hesitate to call or email me with comments, questions, etcThanks, and have a nice eveningBrian D***

July 20, 2016Ms*** *** Cleveland Revdex.comDear Ms***:Revenue Group is in receipt of the Revdex.com complaint filed by Ms***As a preliminary matter, please note that all disclosures to third parties have been made by Ms***That said, in an effort to
avoid potential disclosures or violations, Revenue Group will respond to her specific allegations On December 4, 2015, Revenue Group's client forwarded an account to Revenue Group for collections related to services provided to Ms*** on April 3, It is unclear whom Ms*** believes she spoke with at Revenue Group, as there is no indication of any substantive conversations between Ms*** and any Revenue Group agent Regardless, Revenue Group reached out to its client, which has now confirmed that the account at issue was paid (although the account had been continuously reported to Revenue Group as unpaid)As such, Revenue Group has closed the account and instructed the three major credit bureaus to delete the tradeline associated with the account issue If I can be of further assistance, please feel free to contact me at your convenience.Very Truly Yours,Brian MD***, Esq. General Counsel

Oh' RevenueGroup 46,11, *** *** *** *** *** ***. June 16, 2017 *** *** *** Dispute Resolution Specialist Cleveland Revdex.com Re: Complaint ID *** *** ***Dear *** ***: Revenue Group is in receipt of the
complaint filed by *** ***Please note that all disclosures to third parties have been made by *** ***That said, in an effort to avoid potential disclosures or violations, please allow this correspondence to serve as Revenue Group's response to his stated concerns. In April and May 2016, the original creditor performed services for *** ***Between September and October 2016, the original creditor forwarded several accounts related to those services to Revenue Group for collectionsAs noted in his complaint, *** *** has received several letters from Revenue Group alerting him about the services provided and amounts due as provided to Revenue Group by the original creditorAs also noted in the complaint, Revenue Group attempted to contact *** *** via telephone. Under the admissions form typically provided by the original creditor to its patients, entities like Revenue Group are granted express permission to contact the responsible party at the phone number provided by the responsible party regarding debts in collectionsAs it relates to contacting consumers at work, collection agencies are permitted to contact a consumer's place of work to speak with the consumer, unless the consumer revokes such consentIn the instant case, Revenue Group's agent called *** ***'s work number once only, in November 2016, and has not attempted contact at that number sinceSimilarly, there is no prohibition against contacting consumers on Saturdays. Revenue Group certainly will look into *** ***'s stated frustrations regarding problems reaching a Revenue Group agent through its phone systemAs it relates to recording calls, however, as a courtesy Revenue Group alerted *** *** each time the call was being recorded, a fact *** *** does not seem to disputeAs a one-party consent state, Ohio's statutory code allows businesses to record these calls, and most collection agencies do so as a matter of course. Further, collection agencies are required by various consumer laws to verify a consumer's identity and alert the consumer as to who/what the collection agency is and why the agency is callingWhile potentially uncomfortable for the consumer, these laws require agencies to verify the consumer's identity, which generally means obtaining some type of personal identifier (in the instant case, a date of birth)Such practices are designed to protect consumers and agencies.Regarding *** ***'s disagreement with the amounts being sought by Revenue Group, please be advised that these amounts were provided to Revenue Group by the original creditorIn fact, as recently as May 2, 2017, Revenue Group offered to and did send materials containing detailed information provided by the original creditor regarding the accounts at issueObviously, Revenue Group cannot control instances in which there are lags in time between a payment/adjustment being made on an account and the transmission of such information to Revenue GroupSuch a lag may explain any difference in amounts owed that *** *** feels he may be seeing(Also note that on May 15, 2017, *** *** stated that he had not had time to review the aforementioned detailed information sent to him by Revenue Group, so it remains unclear whether those materials matched the amounts due that *** *** states were provided to him by the original creditor and/or his insurance carrier). Finally, as to *** ***'s allegation that he was treated rudely, aside from his obvious anger and frustration at the overall situation, the calls demonstrate that both *** *** and Revenue Group's agent were fairly cordial and professional throughout the duration of the several calls at issueMore than once, *** *** stated that he would be coming to Revenue Group's office with his paperwork so he could sit down with someone and compare his numbers to those provided to Revenue Group by the original creditorDuring the call on May 15, 2017, Revenue Group's agent provided Revenue Group's address and explained that a supervisor would be able to sit down with *** *** to review the documentsFor reasons unknown, *** *** never followed through, instead choosing to file a Revdex.com complaint. Regardless, it appears that *** *** may be working directly with the original creditor in order to satisfy the accounts at issueTo the extent that such efforts are unsuccessful, Revenue Group remains willing and able to assist *** ***In addition, should *** *** encounter difficulties using Revenue Group's phone system, he is encouraged to email [email protected], a closely monitored email addressHe will be contacted (or his concerns will otherwise be addressed) in short order. The above notwithstanding, Revenue Group will continue to investigate and monitor the issues raised by *** ***In the meantime, to the extent he possesses any additional information he feels may be pertinent to this investigation, he is encouraged to submit such information to the Revdex.com. If I can be of further assistance, please feel free to contact me at your convenience. Very truly yours, Brian *D***, EsqGeneral Counsel

RevenueGroup October 10, 2017 Ms*** *** Cleveland
Revdex.com SENT VIA EMAIL TO: ***Re: Complaint ID *** Dear Ms***: Revenue Group is in receipt of the complaint filed by Ms***Please note that all disclosures to third parties have been made by Ms***That said, in an effort to avoid potential disclosures or violations, please allow this correspondence to serve as Revenue Group's response to her allegations. On March 15, 2016, and May 2017, the original creditor, a large hospital system (including its physicians) provided services to Ms***On September 27, 2017, the original creditor forwarded three a**ounts related to those services to Revenue Groups for collectionsAccording to the original creditor, the balance due on the three account totaled There was no indication from the original creditor that any credit or prepayment existed relating to these accountsOn September 29, 2017, Revenue Group sent Ms*** a letter regarding the debts. On October 2, 2017, Revenue Group contacted Ms*** seeking payment of the accounts at issueMs*** staled her belief that some kind of medical loan had been "disbursed," and that she had been assured by an unnamed individual with the original creditor had spoken to someone at the original creditor who apparently led her to believe that a "credit adjustment•' would "flow over" to Revenue Group. However, as discussed below, no such information had been provided to Revenue Group at that timeAs suchMs*** paid off the pertinent accounts via credit cardOn October 5, 2017, Ms*** called Revenue Group to verify that the accounts remained paid in full; she did not mention the Revdex.com complaint she had filed two days earlier. As to the portion of the complaint discussing the existence of a credit of some kind with the original creditor, Ms*** appears to be correctMs***'s complaint is inaccuratehowever, regarding her belief that Revenue Group had prior notice of the credit, or that the original creditor communicated to Revenue Group instructions to apply the credit or close the accounts at issue (or even that the credit existed). More specifically, upon inquiry with the original creditor's system, it appears that on September 29, 2017, an employee of the original creditor created the equivalent of a help desk ticket requesting an internal review of the credit at issueHowever, as of October 10, 2017, the original creditor had yet to contact Revenue Group with any instructions regarding the credit or the accounts at issue. Regardless, given that it appears that a credit exists, and potentially could apply to the pertinent accounts, Revenue Group has reversed the charges to the credit card and closed the accounts at issueNote that Revenue Group has no control over how, when or if the original creditor may apply the credit. With all that said, Revenue Group will continue to investigate the issues raised in Ms***'s complaintIn the meantime, to the extent Ms*** possesses any additional information she feels may be pertinent to this investigation, she is encouraged to submit such information to the Revdex.com. If I can be of further assistance, please feel free to contact me at your convenience. Very truly yours, Brian *D***, EsqGeneral Counsel

*** *** ***:
Revenue Group is in receipt of the Revdex.com
complaint filed by *** ***. As a preliminary matter, please note that
all disclosures to third parties have been made by *** ***. That said,
I will respond to specific allegations in an
attempt to avoid potential
disclosures and/or violations
Based on the information provided by *** *** to the Revdex.com, as
well as our own review, it appears that on March 16, 2015, *** *** informed
Revenue Group that she believed the financial obligation at issue had already
been satisfied, but did not know when the obligation had been satisfied.
Regardless, Revenue Group requested verification of payment from the original
creditor. The original creditor confirmed that it did not have any record
of such payment.
However, during a phone call involving *** *** on April 9,
2015, it was disclosed that the payment in question had been made at some point
on March 16, (the first day *** *** spoke with Revenue Group).
This would seem to explain how and why there was no record of such payment when
Revenue Group requested verification of payment after speaking with *** ***
on March 16,
Upon receipt of this new information, a second request for
verification of payment was sent to the original creditor, which indicated that
the financial obligation was now noted as fully satisfied. Once the
original creditor verified the satisfaction of the obligation, the account was
immediately closed in our office
That said, to the extent that *** *** possesses any additional
information she feels might be pertinent to our continued review her complaint,
we encourage her to submit that information to the Revdex.com.
Should you have any further questions or concerns please feel free
to contact me at your convenience
Very Truly Yours,
*** ** ***
Vice President

July 14, 2015*** *** ***, Dispute Resolution SpecialistBetter Busi***s Bureau of Greater ClevelandRemitted via Revdex.com.orgRe: ***Dear *** ***:Revenue Group is in receipt of what has been fashioned as a Better Busi***s Bureau “complaint” filed by *** ***As a preliminary
matter, please note that all disclosures to third parties have been made by *** ***That said, in an attempt to avoid potential disclosures or violations, please allow this correspondence to serve as Revenue Group’s response to his “complaint.”Based on the information provided by *** *** to your office, as well as our own review, it appears that his true motivation is to attempt to abuse the Revdex.com’s dispute resolution process as a means of negatively impacting the Revdex.com rating of a competitor, namely Revenue Group.At the outset, some background information may be helpful to your analysis of *** ***’s “complaint.” Although framed as if written by an aggrieved consumer, *** *** either failed or chose not to disclose his true identity to the Revdex.comSpecifically, as recently as April 2014, *** *** was “***’s Vice President of Collections, and has responsibility for the day-to-day operations of ***.”In fact, any question as to *** ***’s current employer seems easily resolved given that he provided his work email address (***) as part of the “complaint.”As the Revdex.com undoubtedly is aware, *** *** is a long-time collections industry insider and “***” is the acronym for *** *** *** ***., a direct competitor of Revenue GroupAlthough his decision not to disclose his true identity and industry experience would seem to alleviate the need for any further response from Revenue Group, the following response is provided out of an abundance of caution and in the event that your office feels a response is warranted.First, *** ***’s claim that he did not give permission to be contacted via an autodialer is incorrectIn fact, not long before the services in question were performed (and as part of a series of recurring services provided to *** ***), the original creditor obtained his signed consent to the following passage: “I authorize the hospital and all clinical providers who have provided care to me, along with any billing services, collection agencies or other agents who may work on their behalf, to contact me on my cell and/or other phone using automatic telephone dialing system or other computer assisted technology.” At no time prior to the telephone call in question did *** *** revoke that consent.Second, *** ***’s claim that he never received services on 12/1/14, while technically correct, is extraordinarily misleading given his experience in the collections industryAs any seasoned collections professional well knows, hospitals bill monthly for the specific type of service rendered to *** ***, such that the first day of each month is actually the beginning of the billing cycle for all of those services rendered during that calendar monthThus, the 12/1/date signified the beginning of the monthly billing cycle for the services rendered to *** *** throughout December Any claim of ignorance by *** *** as to this billing arrangement is unavailing.Third, *** ***’s claim that Revenue Group refused to verify/validate the debt in violation of the FDCPA is untenable in light of his industry experience and his position at ***In addition, such a claim fails as a matter of lawAs *** *** surely knows, pursuant to U.S.C1692g of the FDCPA:(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.(emphasis added).Thus, by his own admission, *** *** chose not to request verification of the debt in writingInstead, he opted to belittle and cajole a collector who attempted to politely end the phone call when it became clear that *** ***’s intention was to be as obstreperous as possibleThis also explains why the collector attempted to mark the file as a refusal to pay rather than disputed, as no lawful validation request had been made, the debtor (*** ***) had become confrontational, and the call as a whole had become unproductive.That a seasoned collections veteran would attempt to entice a collector into committing violations is as disappointing as it is unprofessionalHowever, when the Vice President of Collections of *** *** *** ***seemingly endeavors to manipulate the Revdex.com by filing a “complaint” against a competitor under the auspices of a genuine consumer dispute, such action is more than simply unprofessionalIt is the hope of Revenue Group that the Revdex.com not only dismisses *** ***’s “complaint” as fraudulent, but that the Revdex.com issues appropriately strong sanctions against *** *** and his company in order to discourage such seemingly abusive tactics in the future.Should you have any further questions or concerns please feel free to contact me at your convenience.Very Truly Yours,Brian ** D***General Counsel

June 28, 2016 Ms*** *** Cleveland Revdex.com Dear Ms***: Revenue Group is in receipt of the Revdex.com complaint filed by Ms***As a preliminary matter, please note that all disclosures to third parties have been made by Ms***That said, in an
effort to avoid potential disclosures or violations, Revenue Group will respond to her specific allegations. On May 15, 2015, the *** *** *** forwarded an account to Revenue Group pertaining to unpaid corporate franchise taxes for an *** corporation, ***, Inc., which was owned and operated by Ms. ***As *** failed to file corporate tax returns, it was assessed for estimated taxes by the State of *** on August 9, The State of *** sent Notice as to the delinquency of the franchise taxes in (see attached), but because those taxes remained unpaid, the State of *** appears to have placed a lien in 2013. In addition to the above, Ms*** left out other important details that may be useful of your analysis of her complaintWhen a Revenue Group **ent reached Ms*** on October 15, 2015, Ms*** claimed to have no knowledge of the assessed tax, and wanted to see a copy of the assessmentThe **ent provided a detailed explanation as to how to log in to the **’s online portal, including providing the account number and password so that Ms*** could view and print the materials she sought in real timeHe also gave Ms*** a toll-free number to call the **’s office to discuss the taxesIt appears that Ms*** chose to not pursue those avenues. Instead, six days later, Ms*** contacted Revenue Group, seeking debt validation, but also conceding that she had neglected to cancel her business with the *** *** ** *** and was in a “tight financial position.” A letter was sent to her address on October 29, On November 4, 2015, ostensibly after receiving Revenue Group’s letter, Ms*** filed a Certificate of Dissolution of Limited Liability Company with the *** *** ** ***s office for her other entity, ***, LLCSee attached. It appears that the bulk of Ms***’s complaints boil down to her claimed misunderstanding of ***’s franchise tax, as well as her blaming of Revenue Group for not providing her with legal counseling as to the State of ***’s methodology for calculating such assessmentsAs a businessperson sophisticated enough to start, run and cancel businesses, surely Ms*** was aware that if her company failed to file its taxes, the State of *** would estimate the amount it believed was due and owing for the missed return periodIn such cases, the business could either have filed a late return, or, it could pay the State of ***’s assessed figureGiven Ms***’s decision to do neither since 2010, instead now focusing on the collection agency retained by the State of *** to collect her company’s debt, Revenue Group closed and returned the file to the *** *** ***’s Office. As to the letter Ms*** states she sent to Revenue Group, the address was incorrect (Revenue Group’s P.O. Box number is 93983)As to her claim regarding a comment allegedly made by the collector, please be advised that the **ent was re-educated on proper call etiquette, including the proper methods for responding to difficult calls, including calls in which individuals are chiding or berating the collector. That said, to the extent Ms*** believes she has additional information that would aid in our continued investigation of her complaint, Revenue Group encourages her to remit such information to the Revdex.comIf I can be of further assistance, please feel free to contact me at your convenience. Very truly yours, Brian MD***, Esq. *** Counsel Hinckley Industrial Parkway, Suite 200 Cleveland, *** 44109 | www.revenuegroup.com

Good Evening MsW*** Per your request, attached please find Revenue Group's response to complaint *** Please do not hesitate to call or email me with comments, questions, etc. Tanks,Brian

Dear Mr. T[redacted] Attached please find Revenue Group's response to Ms. D[redacted]'s Revdex.com complaint. Thanks,Brian

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]

November 10, 2015 [redacted] Cleveland Revdex.com [redacted]: Revenue Group is in receipt of the Revdex.com complaint1 filed by [redacted]. As a preliminary matter, please note that all disclosures to third parties have been made by [redacted]. That said, in...

an effort to avoid potential disclosures or violations, Revenue Group will respond to his specific allegations. Based on the complaint, as well as our own review, it appears that [redacted]’s complaint is inaccurate. As such, I provide the following clarifications in response to his stated concerns. At the outset, some background information may be helpful to your review. On October 7, 2015, the date of the call in question, [redacted], a former [redacted] employee (per his publicly available [redacted] page), had approximately one dozen accounts placed with Revenue Group for medical services provided within his former employer’s health system. The dates of service went as far back as September 2013. The total amount due as of October 7, 2015 was $4,094.87. Revenue Group’s agent tried to explain several issues to [redacted], including the fact that quite a few of the accounts placed at Revenue Group were scheduled to be removed from this office in the near future, after which time Revenue Group would not have any ability to arrange for payment options for [redacted]. As predicted, several accounts were closed and returned to the original creditor, such that the total amount remaining due in our office now totals $2,040.15. As the closed accounts have been returned to the original creditor, Revenue Group cannot state what the current status of those accounts is or what future actions may be taken regarding those accounts. Further, [redacted]’s claim that he has received no letters also is incorrect. Letters regarding one or more of the debts at issue were sent to [redacted] on 10/22/14, 11/21/14, 11/28/14, 12/3/14, 2/11/15, 3/13/15, 4/22/2015, 6/3/2015, 9/10/15, and 10/8/15. The number of accounts referenced in the letters sent to Mr. Tayek increased as new accounts were placed in this office. The letters sent on 6/3/15, 9/10/15 and 10/8/15 contained information regarding the aforementioned one dozen accounts at issue. Even more notably, as soon as the call at issue concluded, Revenue Group’s agent ordered a tenth (10th) letter to be sent to [redacted]. The letter was sent on October 8, 2015. In other words, and in contravention to the allegations in the complaint, Revenue Group did exactly as [redacted] requested by sending him a letter containing the information he sought to the address at which [redacted] wished to receive such materials. That said, to the extent that [redacted] possesses any additional information he feels might be pertinent to our continued review his complaint, we encourage him to submit that information to the Revdex.com. If I can be of further assistance, please feel free to contact me at your convenience. Very Truly Yours, Brian ** D[redacted]. General Counsel 1 Please note that Revenue Group was unaware of [redacted]’s complaint until November 3, 2015. 4780 Hinckley Industrial Parkway, Suite 200 Cleveland, Ohio 44109 216.763.2100 | www.revenuegroup.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]

August 20, 2015
[redacted] Cleveland Revdex.com Dear [redacted]: Revenue Group is in receipt of the Revdex.com complaint filed by [redacted]. As a preliminary matter, please note that all disclosures to third parties have been made by [redacted]. That said, in an effort to...

avoid potential disclosures or violations, Revenue Group will respond to her specific allegations. Based on the complaint, as well as our own review, it appears that [redacted]’s repeated refusal to verify her identity (either by providing a date of birth or the last four digits of her Social Security Number) created the majority of the problems described in her complaint. By way of background, and pertinent to her complaint, it appears that [redacted] is a 22-year employee at a large health insurer (per her publicly viewable LinkedIn account). For six of those years, [redacted] "[c]ommunicated with brokers, small business owners and employees to answer questions with regard to Small Group insurance enrollment and premium billing." As anyone responding to inquiries regarding medical insurance and billing must know, federal law requires all entities possessing medical information to verify the identity of the potential recipient of such information before disclosure. With that in mind, on June 1 and June 6, 2014, [redacted] received services from the original creditor, a local hospital system. That creditor forwarded two accounts to Revenue Group on December 7, 2014 totaling $293.26. Contrary to her assertions in the complaint, Revenue Group sent [redacted] correspondence regarding the debt on December 12, 2014, January 16, 2015, and February 19, 2015. A Revenue Group agent first spoke to [redacted] on January 15, 2015. Although [redacted] refused to verify her identity, she did confirm her address (thereby confirming that the three letters listed above were addressed correctly). The address and phone number listed in [redacted]’s Revdex.com complaint are identical to the information remitted by the original creditor to Revenue Group. Revenue Group agents spoke with [redacted] on May 30, June 25, July 6, and August 12, 2015. Each time, she refused to verify her identity but sought more information, the provision of which would have been improper. However, in light of [redacted]’s allegation of identity fraud, Revenue Group has sent additional correspondence containing information about the debts to the address provided in [redacted]’s Revdex.com complaint. This correspondence should provide [redacted] with another opportunity to discern whether she continues to believe in good faith that she is a victim of identity fraud. To the extent that she does, she should contact her local police department, the original creditor, and Revenue Group immediately. If I can be of further assistance, please feel free to contact me at your convenience. Very truly yours, Brian ** D[redacted] General Counsel

March 14, 2017[redacted] Cleveland Revdex.com SENT VIA EMAIL TO: I [redacted] Re: Complaint ID [redacted]
Dear [redacted] Revenue Group is in receipt of the complaint filed by M s. L[redacted] Please note that all disclosures to third parties have been made...

by Ms. L[redacted] That said, in an effort to avoid potential disclosures or violations, please allow this correspondence to serve as Revenue Group's response to her allegations. On June 19, 2014, the original creditor provided services to Ms. L[redacted] The amount remaining due and owing after insurance was $416.00. Because the original creditor never received payment from Ms. L[redacted], the account was referred to Revenue Group on March 26, 2015. It appears that the confusion regarding the payment at issue began on Friday, September 30, 2016, when Ms. L** [redacted]ogged into Revenue Group's online payment portal and created a series of prescheduled monthly payments in the following amounts: $51.66, payable on October 3, 2016; $51.66, payable on November 3, 2016; and, $51.68, payable on December 3, 2016. However, for reasons that remain unclear, Ms. L[redacted] simultaneously created an additional payment of $416.00 without cancelling the aforementioned payment schedule. Both payments ($416.00 and $51.66) ran per M s. L** [redacted]'s instructions, resulting in a $51.66 overpayment.Beginning in October 2016, Revenue Group repeatedly attempted to refund the overpayment electronically, but each attempt failed. However, contemporaneous with the filing of her Revdex.com complaint, Revenue Group mailed a paper check to Ms. L** [redacted]s address. That check has since been cashed. Unfortunately, as a result of human error, it appears that the refund check was written in the amount of $51.00. As such, a check for $0.66 will be issued to Ms. L[redacted] The above notwithstanding, Revenue Group will continue to investigate the issues raised in Ms. L[redacted]'s complaint. In the meantime, to the extent Ms. L[redacted] possesses any additional information she feels may be pertinent to this investigation, she is encouraged to submit such information to the Revdex.com. If I can be of further assistance, please feel free to contact meat your convenience. Very truly yours, Brian M. [redacted], Esq. General Counsel [redacted] Cleveland, Ohio [redacted]

Good Evening [redacted]: Attached please find Revenue Group's response to Ms. [redacted]'s complaint.  Please do not hesitate to call or email me with comments, questions, etc. Thanks, and have a nice evening. Brian D[redacted]

January 18, 2016 Ms. [redacted] Cleveland Revdex.com Dear Ms. [redacted]: Revenue Group is in receipt of the Revdex.com complaint filed by Mr. [redacted]. As a preliminary matter, please note that all disclosures to third parties have been made by Mr. [redacted]. That said, in...

an effort to avoid potential disclosures or violations, Revenue Group will respond to his specific allegations. On November 12, 2014, the [redacted] forwarded an account to Revenue Group pertaining to unpaid corporate franchise taxes for an Ohio corporation. Per the [redacted]
[redacted]’s office, the corporation’s mailing address was a Post Office Box in [redacted], NC. In addition, the [redacted]’s office provided the name “[redacted]” as the corporate contact person. As can be seen from his complaint, Mr. [redacted] lives in [redacted], NC, which is just a few miles from [redacted] NC. That said, in light of Mr. [redacted]’s statement and request in his Revdex.com complaint, Revenue Group has removed his information from this file and closed it. Please note that, to date, Revenue Group sent one letter to Mr. [redacted]’s [redacted] address and has never spoken to him on the phone. If I can be of further assistance, please feel free to contact me at your convenience. Very truly yours, Brian M. D[redacted], Esq. General Counsel 4780 Hinckley Industrial Parkway, Suite 200 Cleveland, Ohio 44109 216.763.2100 | www.revenuegroup.com