Suburban Credit Corporation

SUBURBAN CREDIT CORPORATION
*** *** RD
ALEXANDRIA, VA
November 28, 2016 Reference#: ***
Revdex.com
K St NW 10th Floor
Washington, DC
Attention: *** *** A Complaint ID# ***
Dear Mr ***:
Thank you for bringing this consumers rebuttal to our attention and allowing us to respond
This consumer owes this company no moneySuburban Credit Corporation is a third party collection agencyWe represent our clientsNo money is owed to this companyMs *** owes two of our clients the eight items that this office is reporting to *** on the original creditor’s behalf
She first requested validation of these items on June 13, She had not responded to numerous letters or phone calls since and when these accounts were referred for collectionAll eight were individually billed by our clients and this office prior to reporting to ***Her dispute was noted appropriately and *** was timely notified on June 30, that she was disputing all eight of these items
As for her statement that she received “computerized statements from some doctors from almost four years ago”That is proper validation as those statements did not come from this office but were supplied by the original creditor, after she requested validationThe original creditor is the multiple doctors’ she owes for services provided almost four years agoAll that our clients are asking is to receive payment for these services that their records are reflecting are owed by Ms ***
We hope this resolves this consumers complaint and if anyone has any questions, please feel free to contact Jeff C***, Floor Manager, at ###-###-#### or me at ###-###-####.
Sincerely,
MEB***
Administrator
This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.”
Tell us why here

December 11, Dear ** ***:
This consumer's file was sent to this office on April 10, Our initial collection letter was then sent to her on April 11, On May 16, she wrote in and requested a copy of the original billOur client provided us a copy and this was
then sent to her the same day.We received no response to this statement and collection activity commencedWe next heard from this consumer on May 23, when we processed a dispute she registered with ***Our client confirmed that all information reported was accurate and we advised *** of thisShe then wrote us on June 17, and asked for validation on this account which we did and was sent to her the same dayOn August 21, she wrote us another validation request which was sent on September 4, On September 17, we responded to a question she had regarding two charges for one visit by explaining that the clinic fee does not include the physician feeOne charge is owed for the doctor and another charge is owed to the clinic she went toWe further explained that she returned the same bill to us that we had sent to her and that the proof of payment supplied is for the clinic not the doctor who shares a similar billing nameOn February 17, she wrote us again and we wrote her back explaining two different bills and the fact that her insurance did pay on this account and the balance due was applied to her deductibleHer next response on April 23, was to dispute it again with *** and we reconfirmed the accuracy of the information we reported and responded accordinglyHer next response was to resend the same letter that we responded to in FebruaryWe wrote her again on April 28, explaining two charges and the proof of pay is not for this chargeShe wrote us again with the same information on May 7, and we responded with another letter dated June 2, explaining once again it is a separate fileWe have written her numerous times and have tried to call her many times to explain this accountWe speculate that part of the confusion may be the fact that both the physician (our bill) and the clinic/facility charge have very similar namesThe physician charge is billed by *** *** Urgent Care, Inc and the facility billing name is *** *** Urgent Care, LLC.If she has any questions she may call Jeff C***, Floor Manager, or myself at ***Sincerely,
MEB
Administrator

August 18, Dear ** ***:In response to this consumers complaint thank you for bringing this to our attentionThe account in question was placed here for collections on June 30, Our first collection notice was sent on July 1, and ** *** responded to us on July
21, and promised to pay the account by July 25, We then called and left him a message on August 4, and sent a reminder letter to himOn August 5, our client advised us that this account was paidOn August 13, our records reflect that we spoke to ** *** and confirmed with him that our records indicate that this bill is paid.If he has any further questions he may call our Floor Manager, Jeff C*** at ###-###-#### or me at ***We hope this resolves this consumer's complaintSincerely
MEB
Administrator

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:There is no confusion in this matter*** credit called on behalf of ***, and the person calling SCREAMED at meThe account has been settled with *** but I paid them directlySuburban Credit refused to believe that my account was paid in full, and now they are pretending I am "confused"Replace that with "angry at how I was treated." I had the reciepts to PROVE I owed no moneyThey did not care and were harassing, violating the FCRA by calling after I disputed the *** account
Regards,
*** ***

March 6, Dear ** ***:In response to this consumers complaint thank you for bringing this to our attentionWhile we feel the confusion surrounding this account is a misunderstanding about where the patient was treated, she was seen at the emergency department at *** ***
Hospital, it is not a hospital billNone the less we apologize for any inconvenience she may have experiencedEmergency Medicine Associates is the physicians group in the emergency room at *** *** HospitalThey do their own billing and the hospital would only know of any balance due to them, not *** *** ***This will confirm that her account with us is paid in full and no further communication will be made relative to this account.If she has any questions, she may contact Jeff C***, Floor Manager, at ###-###-#### or me,at ###-###-####.Sincerely,MEBAdministrator

[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 me.
Regards,
*** ***

I have received a couple of bills from this organization that are fraudulent They are medical related with a provider Calls to their number are never returnedPlease do not pay these people It believe this is a scam and suggest that Revdex.com needs to investigateI will be sending the letters sent to me from Suburban to the Fairfax County Police Department Fraud Unit

September 22, Dear ** ***:In response to this consumers complaint thank you for bringing this to our attentionThese accounts were placed here for collection this year with the understanding that we are the second collection agency to be handling her account Perhaps the
other agency that was contacting her may have been the first collection agency that was working this accountThe phone number that is referencing is not one of our phone numbersIf ** *** can supply this office with a copy of her charity approval for the facility bill, our client, who is a hospital based physician, will consider a reduction as long as the charity approval is for the date of Service in question which is September 21, 2012.If ** *** is unable to pay her accounts in full a payment plan can be made by contacting me at ###-###-#### or Jeff C***, Floor Manager, at ###-###-####.Sincerely,
MEB, Administrator

Dear ** ***
In response to this consumers complaint thank you for bringing this to our attentionWe have enclosed a copy of our response dated February 27, that you do not show receivingAs an update our client has submitted a claim to his insurance company and has requested
us to remove the reporting of this matter from his *** file which has been done.We believe this resolves this consumer's complaint and if he has any questions, he may contact Jeff C***, Floor Manager, at ###-###-#### or me at ###-###-####Sincerely
M.EB***
Administrator

Revdex.com of Metro Washington DC
4:PM (hours ago)
tome
---------- Forwarded message ----------
From:
Date: Tue, Apr 22, at 4:PM
Subject: RE: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint #***
To: [email protected]
I responded to this letter (received a copy from SCC) and copied Revdex.com
The creditors listed by SCC have no record of any debt owed by me
*** *** ***, CEO
Executive Business Consultants, LLC
Baldwin Drive
McLean, VA
Tel: ###-###-####
Email: ***

SUBURBAN CREDIT CORPORATION
*** *** ** ALEXANDRIA, VA ***
December 29,
Case; ***
Revdex.com K St NW 10" Floor Washington, DC Attention: *** ***
Complaint ID# ***
Dear ** ***:
In
response to this consumers complaint thank you for bringing this to our attentionThe conversation that transpired on December 28th was our first conversation with ** ***Her account was listed with this office for collections in In August and September of she made two payments by check for $a piece leaving her a balance of $She was subsequently billed with no response and the only phone number we have was removed as a disconnected phone number.During our first conversation on the 28th she spoke with a collectorOur collectors are all trained to treat all consumers with respectIf this did not happen we do offer our apologies as they were offered to her when she called back later on the 28th and spoke with a managerThe doctors billing office has advised this office that this balance remains due and that her insurance applied their charges to her deductible for the calendar year The doctors billing office, *** *** * ***, ###-###-####, in Jacksonville, FL advises that they also spoke with her on December 28, 2015, explained the debt, and told her to call this officeWe can only speculate that it was the hospital and the hospital’s collections agency that may have advised her that no balance was due and is mailing her a receiptWe hope this resolves this consumers complaint and if anyone has any questions, please feel free to contact Jeff C***, Floor Manager, at ###-###-#### or me at ***Sincerely,
MEB***
Administrator
This is an attempt to collect a debtAny information obtained will be used for that purposeThis is a communication from a debt collector.”

SUBURBAN CREDIT CORPORATION *** *** ** ALEXANDRIA, VA ***
December 21,
Case# ***Revdex.com K St NW 10" Floor Washington, DC 20005Attention: *** ***
Complaint ID# ***
Dear ** ***:
In response to this
consumers complaint thank you for bringing this to our attentionThe conversation that transpired on the 16th was indeed the first conversation this office has had with ** ***It is the policy of this office to treat all consumers with respect and we do apologize if she felt that this did not happenWe have reviewed the conversation with the representative who spoke with herShe did spend around five minutes on the conversation thoroughly explaining the debt and at the end of it she advised her that she would send another collection letter to her which was sent on the 17thShe does not recall ** *** requesting a supervisor or she would have transferred the call to a supervisor.The doctors billing office has advised this office that three statements were sent to her prior to the account being placed in collectionsThe doctors billing office, *** *** * ***, ###-###-####, in Jacksonville, FL advises that this balance does remain due, and that the three bills sent, none were returnedIf she wishes to receive another copy of the original bill she may submit a written request to this office or call the billing office directly and reference account # ***She was also billed by this office and given thirty days to dispute or request validation of this account as wellNo mail that we have sent has been returned by the post office.We hope this resolves this consumers complaint and if anyone has any questions, please feel free to contact Jeff C***, Floor Manager, at *** or me at ***Sincerely,
MEB***
Administrator
This is an attempt to collect a debtAny information obtained will be used for that purposeThis is a communication from a debt collector.”

SUBURBAN CREDIT CORPORATION
FRANCONIA RD
"text-align: center;">ALEXANDRIA, VA
February 22, 2016 Reference# ***
Revdex.com
K St NW 10th Floor
Washington, DC Attention: *** *** Complaint ID# ***
Dear ** ***:
In response to this consumers complaint thank you for bringing her concerns to our attentionThe validation request that she sent and that we responded to has been her only contact with this officeThe bill that was supplied is considered proper validation as it was not supplied by this office, rather it was a current statement issued by the original creditor*** *** *** is the billing entity utilized by the emergency room physician. The place of service where these services were rendered is *** *** HospitalThis is not owed to the hospitalThe contact information for the physicians is:
*** *** *** ***
c/o *** *** * ***
*** *** ** ***
JACKSONVILLE, FL ***
Phone # ###-###-####
Account # ***
If she wishes, she may contact the doctors billing office at the above number and they can confirm these charges as well. If she wants to see who signed for her son to receive treatment, the custodian of the medical records (not the billing records for this charge) is the hospital
In an effort to resolve this matter amicably, upon receipt of payment in full, this office will request that *** remove the reporting of this item from her *** file
We hope this resolves this consumers complaint and if anyone has any questions, please feel free to contact Jeff C***, Floor Manager, at ###-###-#### or me at ###-###-####.
Sincerely,
MEB***
Administrator
"This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.”

Dear ** ***:In response to this consumer's complaint we have sent our clients response to her by mailThey do apologize for the delay in responding to her concerns.If she has any questions, she may contact Jeff C***, Floor Manager, at ###-###-#### or me at
***,Sincerely,M.EBryant AdministratorThis is an attempt to collect a debtAny information obtained will be used for that purposeThis is a communication from a debt collector

??? 11, 2015
Dear [redacted]:
In response to this consumers complaint thank you for bringing this to our attention. We have spoken with this consumer on multiple occasions as well as sending her numerous collection notices. We do confirm a recent payment from her and as for receiving...

a bill for her child's account; we advised her to either request one in writing here and also supplied her with the doctors billing office phone number who can send one to her as well. We told her that she may request a deletion from [redacted] on the account that she paid but no request has been received.If she has any questions, she may contact Jeff C[redacted], Floor Manager, at [redacted] or me at [redacted] and supply some additional data that will help us locate the account.
Sincerely,
M. E. B
Administrator

August 4, 2014
Dear [redacted];
In response to this consumers complaint thank you for bringing this to our attention. This consumer had also filed a complaint with the Consumer Finance Protection Bureau and we cannot find where we had responded back to the Revdex.com....

The creditor involved is not a hospital, rather a hospital based physician. Our records reflect that we did receive two phone calls from [redacted] on July 15, 2014. The only phone number the first representative would have supplied would have been to the doctor's billing office. On the * second call our representative, when informed that our client denied knowledge of our office, offered him to confirm the number and he declined. Upon receipt of this complaint an investigation was performed. As a result of this investigation our client confirmed that [redacted]'s account is paid in full, His account in this office has been closed accordingly. We have also composed a letter to him explaining the matter has been resolved and apologizing to him on behalf of all parties concerned for any inconvenience to him.Sincerely,
M. B.
Administrator

I had a medical bill sent to this office for collections. I had set up a payment arrangement with a man named Nick and made the initial payment using my debit card. That very night, my debit card number was compromised and used at a grocery store (Kroger's), which are apparently local in Virginia but not where I live (Maryland). I obviously had my card canceled and when it came time for my payment to be automatically charged by Suburban Credit the next month, I got a call from Suburban saying the payment was declined. I explained the situation and that I felt it odd that my card number was used at a grocery store local to the Virginia area this very same day that my initial payment was made to Suburban Credit Corporation- whose offices are in VA. The collections agent immediately got very defensive saying that my card could have been compromised at Target or Home Depot. I explained that I would no longer do business with them and rather will go through my doctor's office directly. I am still getting threatening phone calls from this same collections agent., Nick. I am feeling quite harassed and have never been spoken to as disrespectfully as Nick spoke to me. I asked to speak to a supervisor and Nick told me he couldn't transfer me, rather he called me back and put me through to a man named Jeff C[redacted]. I expressed my concern to Jeff, but he wasn't sympathetic in the least, nor did he ever offer me an apology. To be clear, I didn't accuse this company of taking my debit card number, but the string of events is very suspecting to anyone. I would hope Revdex.com could do something to help with this situation. I don't want someone else to experience what I did by having my banking information and identity breached. I fear my identity is not safe and fear further retaliation from Suburban credit.

I called wanting to pay off a debt. I had heard that sometime, when you pay off a debt, that debt is not removed from your credit file. I was looking for some information on the best way to get the debt removed and what that process looked like. The man I spoke to gave me no name. He told me we had ten minutes in order for me to pay or I couldn't make a payment. He said that he knows nothing about removal and couldn't give me any information. He then said I was trying to manipulate him into using not paying as leverage as to get an agreement for removal. I asked to speak with some one who was willing to be more kind to me and his answer was. I'm fine, I'm talking just fine. He was extremely rude and pushy. When I asked to speak to someone else he said his manager was standing there listening to him and what he was saying was okay. When I asked to speak to him or her the phone was silent for over a minute. I was then transferred, finally, to someone else. I felt like I was talking to a gangster high school boy. It was really awful.

February 16, 2014
Dear [redacted]:In response to this consumers complaint thank you for bringing this to our attention. Friday, was the first day that we received this complaint and we are responding immediately. Can you please advise as to what email the original complaint was sent...

to?Our records have been closed as paid in full to our client as of February 3, 2015. This account was placed here for collections by our client in October 2014. Multiple payments were made to our client by the patient prior to collections. Our records reflect that we contacted [redacted] by letter and received no response and we then called and spoke with [redacted] last month who agreed to pay this either by mail to this office or directly to the original creditor, Shortly afterwards a call was received from a third party. Due to privacy issues we are unable to discuss accounts with third parties without the consumers consent. We did not have consent and were unable to discuss it with this third party. None the less we apologize for any inconvenience she may have experienced. Our client is the physicians group in the emergency room at [redacted] Hospital. They do their own billing and the hospital would only know of any balance due to them, not the emergency room physician. This will confirm that her account with us is paid in full and no further communication will be made relative to this account.If he has any questions, he may contact Jeff Carson, Floor Manager, at ###-###-#### or me at [redacted].Sincerely, 
M. E. B. Administrator

June 6, 2014
Dear [redacted]:In response to this consumers complaint thank you for bringing this to our attention. The creditor involved is not [redacted] Hospital rather one of the hospital based physicians. Our records reflect that we did receive a phone call from [redacted]...

[redacted] on April 21, 2014 and did return the call and left a message for him and received po call back. We then attempted to reach him unsuccessfully a few times and then we received another voice message on May 2, 2014. We called him back again and left another message and he returned the call and the matter has now been resolved.If he has any further questions he may call our Floor Manager, [redacted] at ###-###-#### or me at [redacted]. We hope this resolves this consumers complaint.This is an attempt to collect a debt. Any information obtained will be used that purpose. This is a communication from a debt collector.