State Collection Service

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 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 In that response we provided the following detail The account was placed with our office on May 28, A letter was sent to the consumer's address on or about May 30, notifying him that the account was placed with our office for collectionWe had no contact with him, other than sending the letter, until January 9, On January 9, he called our office regarding his accountHe said he received a bill after the services were provided and contacted the creditorHe said he provided insurance information to the creditor and had not heard from the creditor since that timeWe advised we would be obtaining an itemized statement for himOn January 9, we began the process of requesting the itemized statement from the creditor based on his callUpon receipt of his January 14, complaint, we contacted the creditor regarding the specific information regarding insuranceThe creditor states that it provided the services to him on September 1, It then sent statements to him at his address on September 9, September and October 21, On November 9, 2011, the creditor received a call in which the creditor was provided insurance informationThe creditor submitted the account to the insurer for paymentIt submitted the account to [redacted] ***- [redacted] We understand that [redacted] ***- [redacted] would then have forwarded the claim to [redacted] ***- [redacted] On December 1, 2011, the creditor received a denial of the claimApparently, the number provided was not correctOn December 21, and January 21, 2012, the creditor again sent statements to himSince the creditor never received a response, the account was placed with our office on May 28, 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] ***- [redacted] and [redacted] ***- [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 complaintHowever, when we called we received an automated message that the consumer did not have a voicemail box set upAfter we responded to the prior complaint, the consumer called our office on April 25, 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 hadHe called us again on June 6, 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 creditorEventually, we suggested he contact the insurerWe had not heard from you until the complaint yesterdayIt is not clear from this current complaint exactly who he was stating is at faultHe seemed to state that this is an issue between two insurers ( [redacted] and [redacted] )We said we do not have any control over the insurersAs indicated in the prior response, insurance was billedUltimately, a medical bill that is not paid generally remains the responsibility of the patient receiving the servicesWe have provided all the information we have and obtained from the creditor in the prior complaintHe 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 ###-###-####, ext467.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 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

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 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, and as consumer acknowledges a letter notifying her of placement of the account was mailed on or about May 15, 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 and mailed it to the consumer on or about July 22, The account was also reported to the credit bureaus on or about July 22, 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 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]