Revdex.com:
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 called the number provided two days ago and spoke to reps regarding this account!! The company states that if I send information yet again, they will further investigateSame garbage I have heard for years, I am truly exhaustedI will not send another 'round' of informationIt seems this is all for the Revdex.com, and just a showI am done
Regards,
*** ***
We spoke to the consumer on September at the number provided in his Revdex.com complaint. We discussed the insurance billing issues and the consumer's ultimate responsibility for accounts regardless of any insurance billing issues and indicated we would follow up with the creditor to determine how the creditor wished to proceed. We did so and the creditor has informed us that it is requesting cancellation and return of the account from our office. We have cancelled the accounts and requested deletion of the accounts from credit reporting. If the consumer has any questions regarding this matter, he may contact us at the number we previously provided
The consumer states he spoke with our office about four accounts in his wife's name and then gives those account numbers. He also states he paid the accounts and that we agreed to remove them from credit reporting if the accounts were paid. We have reviewed our system and the account
numbers provided do not correspond with any accounts for the consumer's wife. We did locate four accounts in our office based on the consumer's wife's name. We do not show that the consumer called us to explain the reason for the accounts not being paid. The accounts remain unpaid. Perhaps the consumer has our agency confused with another agency. If not, the consumer can provide us with proof of payment by sending proof of payment to: SCSI, Attn: Compliance Department, *** *** *** *** ** ***. He can also call our Compliance Hotline at ###-###-####, ext*** and leave a message and time for our Compliance Officer to call him to provide any additional information
We wish to address the consumer's issue about not being able to contact us. Please let us know what telephone number you are calling in an attempt to reach us. We want to make sure you are calling the correct company and department. Please also provide us with the telephone number you are calling from so that we can check our system to see if we are receiving inbound calls from that telephone number. She can contact us at ###-###-####, ext*** and leave a detailed message or call ext*** to speak with our *** *** *** to provide this additional information
We wish to address the consumer's issue concerning payments. The consumer will make payments, it appears, even though the consumer has questions about whether the bills reflect estimated or actual usage. We believe the information provided to the consumer reflects the actual usage. We also believe that the account was properly submitted for credit reporting under the circumstances. We can work with the consumer on payment arrangements and credit reporting, but the consumer will need to discuss that with an account representative
In short, if the consumer provides us with the additional information regarding her attempts to reach us, we can help her with that issue. She can also contact an account representative to discuss payment arrangements
The consumer believes a notice is required to be sent before an item is submitted to a credit reporting agency. Under the circumstances presented here, there is no law that requires a notice be sent to the consumer prior to the account being submitted to a credit reporting agency. The
consumer has requested that a letter be sent to him regarding the account We are sending him a validation notice. If he does not receive it in the next five days, he may contact our office directly to discuss the account
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meAs long as its done in a timely fashion, which appears that wayThanks for your time
Regards,
*** ***
The consumer appears to be making a complaint against the creditor. We are not able to respond to any of the concerns she expressed regarding the creditor other than to state that the creditor did request that the account be cancelled and returned to them on September 2, 2014 and that we...
notified the consumer in writing of this fact by letter dated September 9, 2014. However, we do wish to note the following. The consumer called our office on June 20, 2014 and spoke to an account representative who informed the consumer that there was still a balance remaining on the account after insurance had paid the account. The account representative did not hang up on the consumer during that call. We also note that we sent a letter dated August 12, 2014 to the consumer in response to her statement that she had paid the account in full. She says she did not request that information but when she disputed the account we verified the amount with the creditor and obtained the information from the creditor to deliver to her.The consumer states she wants something in writing from us and the creditor. As indicated, we previously sent the consumer a letter stating the account was cancelled and returned and that no credit reporting occurred.
The consumer claims we bought an invalid debt, have refused to investigate his claim that insurance was not billed and wants the item off his credit report unless we can show insurance was billed. Before providing a detailed response, we wish to address the issue of the debt being...
purchased. We do not purchase any debt. The accounts are placed in our office for collection by the creditor.As for the response, we previously responded to a similar complaint by the consumer in January 2014. In that response we provided the following detail. The account was placed with our office on May 28, 2012. A letter was sent to the consumer's address on or about May 30, 2012 notifying him that the account was placed with our office for collection. We had no contact with him, other than sending the letter, until January 9, 2014. On January 9, he called our office regarding his account. He said he received a bill after the services were provided and contacted the creditor. He said he provided insurance information to the creditor and had not heard from the creditor since that time. We advised we would be obtaining an itemized statement for him. On January 9, we began the process of requesting the itemized statement from the creditor based on his call. Upon receipt of his January 14, 2014 complaint, we contacted the creditor regarding the specific information regarding insurance. The creditor states that it provided the services to him on September 1, 2011. It then sent statements to him at his address on September 9, September 21 and October 21, 2011. On November 9, 2011, the creditor received a call in which the creditor was provided insurance information. The creditor submitted the account to the insurer for payment. It submitted the account to [redacted]. We understand that [redacted] would then have forwarded the claim to [redacted]. On December 1, 2011, the creditor received a denial of the claim. Apparently, the number provided was not correct. On December 21, 2011 and January 21, 2012, the creditor again sent statements to him. Since the creditor never received a response, the account was placed with our office on May 28, 2012. The creditor takes the position that the account is due and owing.The consumer then filed an additional complaint yesterday, claiming there was an issue between [redacted] and [redacted]. We reviewed the account again and attempted to call the consumer. There was no answer and no opportunity to leave a message. Since we were unable to speak to him, we responded to the second complaint with the following information:. We reviewed this complaint and the prior complaint and attempted to call him to discuss the current complaint. However,
when we called we received an automated message that the consumer did not have a
voicemail box set up. After we responded to the prior complaint, the consumer called our office on April 25, 2014 to see about getting the
account paid and also mentioned that his taxes had been intercepted and
wondered if that was for this bill or another medical bill he had. He
called us again on June 6, 2014 and said he wanted to resolve the
account if we could and stated that he may have been at fault for not
responding to the creditor. Eventually, we suggested he contact the
insurer. We had not heard from you until the complaint yesterday. It is not
clear from this current complaint exactly who he was stating is at
fault. He seemed to state that this is an issue between two insurers
([redacted] and [redacted]). We said we do not have any control
over the insurers. As indicated in the prior response, insurance was
billed. Ultimately, a medical bill that is not paid generally remains
the responsibility of the patient receiving the services. We have
provided all the information we have and obtained from the creditor in
the prior complaint. He mentioned an attachment to the complaint, but we did not see one, so we offered to have him forward the information to us to review. We said he can send it
to: SCSI, [redacted]. As
mentioned in the prior response, we also said he can call our Compliance
Department directly at ###-###-####, ext. 467.Accordingly, at no point have we refused to investigate this with the creditor. In fact, we contacted the creditor, they gave us the sequence of events and we informed the consumer of this in January 2014. His subsequent contacts with our office have been to offer to pay. We are not in a position to request deletion of this account from the consumer's credit report under these circumstances.
Consumer states he has submitted disputes to the credit reporting agencies and to this office. He alleges we verified the accounts with the credit bureaus and never responded to the requests sent directly to our office. As the consumer stated, he did submit many disputes to the...
credit bureaus regarding the account. We did in fact verify each dispute. The consumer also sent two letters to our office. As he indicated, he sent a letter to us dated July 27, 2012 requesting validation of the account. On or about August 14, 2012 we mailed to the consumer at his address a copy of a statement we obtained from the creditor showing him the amount of the bill. Our records do not show that the mail was returned. On April 28, 2014 we received the consumer's dispute again. On that same date we once again mailed the creditor's statement to the consumer with a cover letter at the address given by the consumer in his letter. Our records do not show that the mail was returned. Accordingly, we believe we have responded in an appropriate fashion to the dispute letters. We see now that the consumer is using a different address than the address contained in his prior letters. We can certainly mail the statement again to the consumer at his new address.
The consumer states he does not owe any money to the creditor. He does not indicate why he does not owe the money. That is, he's not saying he paid the account. If the consumer has additional information as to why he believes he does not owe the money, he can send that directly to: [redacted]
The consumers would like "a written guarantee that they will remove the delinquency on both our credit reports upon receipt of
payment in full for both accounts." While we are not able to "guarantee" the removal of accounts from a consumer's credit report since we do not have control over the...
credit reporting agencies, we can agree, under the circumstances, that we will request removal of the accounts from credit reporting upon payment of the accounts in full. The response to this complaint will serve as written confirmation.
The consumers should send a letter to our office with the payment in full confirming our agreement to request removal of the accounts upon payment in full. If the consumers have any questions regarding this, they may call our Chief Compliance Officer directly at ###-###-####, ext. ###.
The consumer states he has a credit report that shows the accounts are paid. The consumer may send a copy of the credit report to our office at the address provided in our first response so that we can further investigate this issue.
The consumer states he spoke with an account representative about the accounts. We reviewed the accounts we could based on the consumer's wife's name. There are no recent calls on those accounts. In order to further investigate this claim, the consumer can provide us with the date and time of the call and the name of the person he spoke with.
The consumer states there's no reason the account numbers from the credit report would not be correct. Again, the consumer may send a copy of the credit report showing this information so we can investigate this further. None of the account numbers in the original complaint correspond with the accounts we were able to locate based on the consumer's wife's name.
We had offered the consumer a telephone number to call to discuss his concern. As of this time, we have not received a call from him. We had offered him to send proof of payment of the accounts, but he does not indicate in his response whether he intends on sending the proof of payment to our office. We have made every attempt to address the issues raised.
The consumer states he was assessed a charge on a credit card payment and he had not agreed to it. We agree. Our process is to notify the consumer that a fee associated with payment by credit card may be assessed and offer the consumer with alternative payment options. That process...
was not followed. After receiving this complaint, we did contact the consumer and let him know this. We are processing the refund request and we will contact him on Monday. The consumer does have the direct number and extension for our [redacted] if there are any questions.
The consumer alleges that the creditor's bill seems high under the circumstances and that she requested information regarding the account. The consumer requests information relating to the account and further requests removal of the account from her credit report. The account was placed...
in our office on or about May 13, 2104 and as consumer acknowledges a letter notifying her of placement of the account was mailed on or about May 15, 2014. On or about June 13, 2014, we received a letter from the consumer so we contacted the creditor to obtain information regarding the account. We obtained that information on or about July 16 and mailed it to the consumer on or about July 22, 2014. The account was also reported to the credit bureaus on or about July 22, 2014. In a phone call with our office on July 29, 2014, the consumer indicated she had not received the information we mailed. After receiving this complaint, we again contacted the creditor to obtain additional information and the creditor provided it to us. We will once again mail this information to the consumer. The information provided by the creditor shows both electric and gas charges for January, February and March of 2014.
We can certainly work with the consumer on the account and address any credit reporting issue.
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
I have been unable to speak with State Collection Agency. My calls will not through. I am unable to speak about the collection being deleted from credit reports. Because it was prematurely sent to the credit bureau, I do not see why my request is unreasonable. I did receive the information about the bills and it is still unclear if the readings were estimates or actual. However, once this matter is deleted from my credit report, I can make payment arrangements with payments debited from my checking account.
Revdex.com:
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 called the number provided two days ago and spoke to reps regarding this account!! The company states that if I send information yet again, they will further investigateSame garbage I have heard for years, I am truly exhaustedI will not send another 'round' of informationIt seems this is all for the Revdex.com, and just a showI am done
Regards,
*** ***
We spoke to the consumer on September at the number provided in his Revdex.com complaint. We discussed the insurance billing issues and the consumer's ultimate responsibility for accounts regardless of any insurance billing issues and indicated we would follow up with the creditor to determine how the creditor wished to proceed. We did so and the creditor has informed us that it is requesting cancellation and return of the account from our office. We have cancelled the accounts and requested deletion of the accounts from credit reporting. If the consumer has any questions regarding this matter, he may contact us at the number we previously provided
The consumer states he spoke with our office about four accounts in his wife's name and then gives those account numbers. He also states he paid the accounts and that we agreed to remove them from credit reporting if the accounts were paid. We have reviewed our system and the account
numbers provided do not correspond with any accounts for the consumer's wife. We did locate four accounts in our office based on the consumer's wife's name. We do not show that the consumer called us to explain the reason for the accounts not being paid. The accounts remain unpaid. Perhaps the consumer has our agency confused with another agency. If not, the consumer can provide us with proof of payment by sending proof of payment to: SCSI, Attn: Compliance Department, *** *** *** *** ** ***. He can also call our Compliance Hotline at ###-###-####, ext*** and leave a message and time for our Compliance Officer to call him to provide any additional information
We wish to address the consumer's issue about not being able to contact us. Please let us know what telephone number you are calling in an attempt to reach us. We want to make sure you are calling the correct company and department. Please also provide us with the telephone number you are calling from so that we can check our system to see if we are receiving inbound calls from that telephone number. She can contact us at ###-###-####, ext*** and leave a detailed message or call ext*** to speak with our *** *** *** to provide this additional information
We wish to address the consumer's issue concerning payments. The consumer will make payments, it appears, even though the consumer has questions about whether the bills reflect estimated or actual usage. We believe the information provided to the consumer reflects the actual usage. We also believe that the account was properly submitted for credit reporting under the circumstances. We can work with the consumer on payment arrangements and credit reporting, but the consumer will need to discuss that with an account representative
In short, if the consumer provides us with the additional information regarding her attempts to reach us, we can help her with that issue. She can also contact an account representative to discuss payment arrangements
The consumer believes a notice is required to be sent before an item is submitted to a credit reporting agency. Under the circumstances presented here, there is no law that requires a notice be sent to the consumer prior to the account being submitted to a credit reporting agency. The
consumer has requested that a letter be sent to him regarding the account We are sending him a validation notice. If he does not receive it in the next five days, he may contact our office directly to discuss the account
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meAs long as its done in a timely fashion, which appears that wayThanks for your time
Regards,
*** ***
The consumer appears to be making a complaint against the creditor. We are not able to respond to any of the concerns she expressed regarding the creditor other than to state that the creditor did request that the account be cancelled and returned to them on September 2, 2014 and that we...
notified the consumer in writing of this fact by letter dated September 9, 2014. However, we do wish to note the following. The consumer called our office on June 20, 2014 and spoke to an account representative who informed the consumer that there was still a balance remaining on the account after insurance had paid the account. The account representative did not hang up on the consumer during that call. We also note that we sent a letter dated August 12, 2014 to the consumer in response to her statement that she had paid the account in full. She says she did not request that information but when she disputed the account we verified the amount with the creditor and obtained the information from the creditor to deliver to her.The consumer states she wants something in writing from us and the creditor. As indicated, we previously sent the consumer a letter stating the account was cancelled and returned and that no credit reporting occurred.
The consumer claims we bought an invalid debt, have refused to investigate his claim that insurance was not billed and wants the item off his credit report unless we can show insurance was billed. Before providing a detailed response, we wish to address the issue of the debt being...
purchased. We do not purchase any debt. The accounts are placed in our office for collection by the creditor.As for the response, we previously responded to a similar complaint by the consumer in January 2014. In that response we provided the following detail. The account was placed with our office on May 28, 2012. A letter was sent to the consumer's address on or about May 30, 2012 notifying him that the account was placed with our office for collection. We had no contact with him, other than sending the letter, until January 9, 2014. On January 9, he called our office regarding his account. He said he received a bill after the services were provided and contacted the creditor. He said he provided insurance information to the creditor and had not heard from the creditor since that time. We advised we would be obtaining an itemized statement for him. On January 9, we began the process of requesting the itemized statement from the creditor based on his call. Upon receipt of his January 14, 2014 complaint, we contacted the creditor regarding the specific information regarding insurance. The creditor states that it provided the services to him on September 1, 2011. It then sent statements to him at his address on September 9, September 21 and October 21, 2011. On November 9, 2011, the creditor received a call in which the creditor was provided insurance information. The creditor submitted the account to the insurer for payment. It submitted the account to [redacted]. We understand that [redacted] would then have forwarded the claim to [redacted]. On December 1, 2011, the creditor received a denial of the claim. Apparently, the number provided was not correct. On December 21, 2011 and January 21, 2012, the creditor again sent statements to him. Since the creditor never received a response, the account was placed with our office on May 28, 2012. The creditor takes the position that the account is due and owing.The consumer then filed an additional complaint yesterday, claiming there was an issue between [redacted] and [redacted]. We reviewed the account again and attempted to call the consumer. There was no answer and no opportunity to leave a message. Since we were unable to speak to him, we responded to the second complaint with the following information:. We reviewed this complaint and the prior complaint and attempted to call him to discuss the current complaint. However,
when we called we received an automated message that the consumer did not have a
voicemail box set up. After we responded to the prior complaint, the consumer called our office on April 25, 2014 to see about getting the
account paid and also mentioned that his taxes had been intercepted and
wondered if that was for this bill or another medical bill he had. He
called us again on June 6, 2014 and said he wanted to resolve the
account if we could and stated that he may have been at fault for not
responding to the creditor. Eventually, we suggested he contact the
insurer. We had not heard from you until the complaint yesterday. It is not
clear from this current complaint exactly who he was stating is at
fault. He seemed to state that this is an issue between two insurers
([redacted] and [redacted]). We said we do not have any control
over the insurers. As indicated in the prior response, insurance was
billed. Ultimately, a medical bill that is not paid generally remains
the responsibility of the patient receiving the services. We have
provided all the information we have and obtained from the creditor in
the prior complaint. He mentioned an attachment to the complaint, but we did not see one, so we offered to have him forward the information to us to review. We said he can send it
to: SCSI, [redacted]. As
mentioned in the prior response, we also said he can call our Compliance
Department directly at ###-###-####, ext. 467.Accordingly, at no point have we refused to investigate this with the creditor. In fact, we contacted the creditor, they gave us the sequence of events and we informed the consumer of this in January 2014. His subsequent contacts with our office have been to offer to pay. We are not in a position to request deletion of this account from the consumer's credit report under these circumstances.
Consumer states he has submitted disputes to the credit reporting agencies and to this office. He alleges we verified the accounts with the credit bureaus and never responded to the requests sent directly to our office. As the consumer stated, he did submit many disputes to the...
credit bureaus regarding the account. We did in fact verify each dispute. The consumer also sent two letters to our office. As he indicated, he sent a letter to us dated July 27, 2012 requesting validation of the account. On or about August 14, 2012 we mailed to the consumer at his address a copy of a statement we obtained from the creditor showing him the amount of the bill. Our records do not show that the mail was returned. On April 28, 2014 we received the consumer's dispute again. On that same date we once again mailed the creditor's statement to the consumer with a cover letter at the address given by the consumer in his letter. Our records do not show that the mail was returned. Accordingly, we believe we have responded in an appropriate fashion to the dispute letters. We see now that the consumer is using a different address than the address contained in his prior letters. We can certainly mail the statement again to the consumer at his new address.
The consumer states he does not owe any money to the creditor. He does not indicate why he does not owe the money. That is, he's not saying he paid the account. If the consumer has additional information as to why he believes he does not owe the money, he can send that directly to: [redacted]
The consumers would like "a written guarantee that they will remove the delinquency on both our credit reports upon receipt of
payment in full for both accounts." While we are not able to "guarantee" the removal of accounts from a consumer's credit report since we do not have control over the...
credit reporting agencies, we can agree, under the circumstances, that we will request removal of the accounts from credit reporting upon payment of the accounts in full. The response to this complaint will serve as written confirmation.
The consumers should send a letter to our office with the payment in full confirming our agreement to request removal of the accounts upon payment in full. If the consumers have any questions regarding this, they may call our Chief Compliance Officer directly at ###-###-####, ext. ###.
The consumer states he has a credit report that shows the accounts are paid. The consumer may send a copy of the credit report to our office at the address provided in our first response so that we can further investigate this issue.
The consumer states he spoke with an account representative about the accounts. We reviewed the accounts we could based on the consumer's wife's name. There are no recent calls on those accounts. In order to further investigate this claim, the consumer can provide us with the date and time of the call and the name of the person he spoke with.
The consumer states there's no reason the account numbers from the credit report would not be correct. Again, the consumer may send a copy of the credit report showing this information so we can investigate this further. None of the account numbers in the original complaint correspond with the accounts we were able to locate based on the consumer's wife's name.
We had offered the consumer a telephone number to call to discuss his concern. As of this time, we have not received a call from him. We had offered him to send proof of payment of the accounts, but he does not indicate in his response whether he intends on sending the proof of payment to our office. We have made every attempt to address the issues raised.
The consumer states he was assessed a charge on a credit card payment and he had not agreed to it. We agree. Our process is to notify the consumer that a fee associated with payment by credit card may be assessed and offer the consumer with alternative payment options. That process...
was not followed. After receiving this complaint, we did contact the consumer and let him know this. We are processing the refund request and we will contact him on Monday. The consumer does have the direct number and extension for our [redacted] if there are any questions.
The consumer alleges that the creditor's bill seems high under the circumstances and that she requested information regarding the account. The consumer requests information relating to the account and further requests removal of the account from her credit report. The account was placed...
in our office on or about May 13, 2104 and as consumer acknowledges a letter notifying her of placement of the account was mailed on or about May 15, 2014. On or about June 13, 2014, we received a letter from the consumer so we contacted the creditor to obtain information regarding the account. We obtained that information on or about July 16 and mailed it to the consumer on or about July 22, 2014. The account was also reported to the credit bureaus on or about July 22, 2014. In a phone call with our office on July 29, 2014, the consumer indicated she had not received the information we mailed. After receiving this complaint, we again contacted the creditor to obtain additional information and the creditor provided it to us. We will once again mail this information to the consumer. The information provided by the creditor shows both electric and gas charges for January, February and March of 2014.
We can certainly work with the consumer on the account and address any credit reporting issue.
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
I have been unable to speak with State Collection Agency. My calls will not through. I am unable to speak about the collection being deleted from credit reports. Because it was prematurely sent to the credit bureau, I do not see why my request is unreasonable. I did receive the information about the bills and it is still unclear if the readings were estimates or actual. However, once this matter is deleted from my credit report, I can make payment arrangements with payments debited from my checking account.
[redacted]