The Focused Group, Inc

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Payments were originally being made to the original creditor at the minimum monthly prearrangedThe third party collector was supposed to remove the item from all credit reportsThere are several reports of bad business conducted by the Focus Recovery Solutions, and yet they continue to be allowed to operate in such a manner
Regards,
*** ***

I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Given that the mistake was on the company's end, and I had to put in many hours of my own time to rectify their mistake (while dealing with rude representatives who treated me as if I had done something wrong), I would like a credit in the amount of $** for future tollsMy time has value, and I was asked to pay $** to the company for their time, so I believe the same for mine is appropriate
Regards,
*** ***

Based on our investigation, we have concluded the account referenced was placed in our office from *** *** *** ***. The payment was received in a timely manner, however a typographical error was made and it was posted to a different account. Once that
information was provided to us, the error was corrected and your account was closed. We do apologize for any inconvenience this has caused Ms***. Attached is a letter that will be sent

Dear ** ***:
Our office is in receipt of your correspondence detailing *** *** complaint relating to the account our client placed with Focused Recovery Solutions, Incfor collections
*** *** is stating that we have violated the
federal Fair Debt Collection Practices Act (FDCPA) by contacting her place of employmentWe have attempted to contact *** *** at her home number several times with no responseOn 4/28/2014, we did place a call to her place of employment trying to resolve her accountAt that time *** *** advised our agent that she cannot accept personal calls at work and subsequently her work phone number was
removed from our systemWe have not contacted *** *** at her place of employment based on her request on 4/28/2014, which is in compliance with
FDCPA's requirements
Thanks you for your assistance in this matterShould you require anything further, please do not hesitatie to contact our office
Sincerely,
*** ***
Director of Operations

Our offices are in receipt of your correspondence detailing [redacted]'s complaint relating to Focused Recovery Solutions. 
Based on our investigation, we have concluded the account referenced was placed for collections with our company on 8/6/2011. Payment was not received by our...

office. Subsequently the account was closed and returned to our client on 1/16/2012. Upon this close and return of the account to our client all credit reporting previously reported was removed. Based on the dispute we have sent another request to have the account removed (cntrl #[redacted]). Consumer reporting agencies may take up to 30 days or longer to update consumer reports and this is beyond our control. To obtain current account status or information it will be necessary for you to correct the original creditor's billing office. 
 
Sincerely,
Focused Recovery Solutions, Inc. 
Quality Assurance and Compliance Department

Dear [redacted],
Our office is in receipt of your correspondence detailing [redacted] complaint relating to Focused Recovery Solutions, Inc.
Please be advised that the contact information associated with the accounts placed with our office was provided by our...

client and the time of placement.  While researching her complaint, we did not find any call where [redacted] advised our agency not to contact her via cell phone.  [redacted] had four accounts with our agency that were placed with us by [redacted].  They were placed in January 2014, February 2014, March 2014, and May 2014.  As of today [redacted] cell phone number has been removed from our system and each of these accounts have been closed and returned back to our client.  [redacted] will not be contacted by our office regarding these accounts. 
Thank you for your assistance in this matter.  Should you require anything further, please do not hesitate to contact our office.
Sincerely,
[redacted]
Director of Operations

We have attached a letter that will be sent to Ms. [redacted] today. Based on our investigation, we have concluded the account referenced was placed for collections with our company on 01/12/2016 for $[redacted].   Typically, if an account is not paid in full within 45 days of being placed...

with our office, it is reported to credit bureau. The account was paid off on 06/06/2017.  Therefore, the  account was accurately reported.  The credit bureaus have been updated already to reflect a paid status.   In addition, there has been no over-payment on the account. If have further questions, they may be directed to the number on the letter.

We responded directly to the consumer.  Please [redacted] for explanation.

Revdex.com spoke with [redacted] from the company and he stated that they only had 2 accounts with this consumer. One of the accounts was sent back in 2012 and the other account was paid on September 29, 2014. [redacted] stated that they report to the credit bureaus and then the credit bureaus take action...

from there, they have no control over what the credit bureaus report.

Our offices are in receipt of your correspondence detailing [redacted]'s complaint relating to Focused Recovery Solutions. Based on our investigation, we have concluded the account referenced was placed for collections with our company on 8/6/2011. Payment was not received by our office....

Subsequently the account was closed and returned to our client on 1/16/2012. Upon this close and return of the account to our client all credit reporting previously reported was removed. Based on the dispute we have sent another request to have the account removed (cntrl #[redacted]). Consumer reporting agencies may take up to 30 days or longer to update consumer reports and this is beyond our control. To obtain current account status or information it will be necessary for you to correct the original creditor's billing office.  Sincerely,Focused Recovery Solutions, Inc. Quality Assurance and Compliance Department

Review: [redacted]On 1/3/2012, Focused Recovery reported a collection balance from [redacted] to credit bureaus (while also harassing me up to 8 times a day). I paid the $75 several months later. Despite this, I noticed nearly a year later that FR never informed the credit bureaus that I paid the balance. Unfortunately, I also never received a receipt of payment either. I promptly called FR only to be told that my account was now closed (since it was paid off) and that it was "no longer accessible." I then contacted the hospital and was directed back to FR (dead end). Nearly three years later, the account is still listed as "open."

Focused Recovery has yet to prove that payment was ever received by [redacted].Desired Settlement: I request that a receipt of payment is sent to my current address, proof that payment was sent to [redacted], and that all credit bureaus are notified that the account has been paid off.

Business

Response:

Our offices are in receipt of your correspondence detailing [redacted]'s complaint relating to Focused Recovery Solutions. Based on our investigation, we have concluded the account referenced was placed for collections with our company on 8/6/2011. Payment was not received by our office. Subsequently the account was closed and returned to our client on 1/16/2012. Upon this close and return of the account to our client all credit reporting previously reported was removed. Based on the dispute we have sent another request to have the account removed (cntrl #[redacted]). Consumer reporting agencies may take up to 30 days or longer to update consumer reports and this is beyond our control. To obtain current account status or information it will be necessary for you to correct the original creditor's billing office. Sincerely,Focused Recovery Solutions, Inc. Quality Assurance and Compliance Department

Review: I have fallen behind on paying my daughters medical bills after she was in the hospital. I agreed with Focused Recovery Soultions to pay 100 a month until my balance was paid. We agreed on the 30th of December would be payment since I did have the money at the time and would not be paid until the 30th of December. I wake up Christmas morning to fine that they had processed my account for 100 and made me go negative incurring over-draft fees and now I don't know how I will feed my children until the 30th.Desired Settlement: I would like the over-draft fee of $36 and the 100 reinstated until the 30th as previously agreed upon.

Business

Response:

We responded directly to the consumer. Please [redacted] for explanation.

Review: The business is just one of many that has placed my name in the credit bureaus in an attempt top get paid because I have consolidated my debt in an attempt to improve my credit score. This bill this company has was paid on July 8th 2014 with my credit card if I can obtain information the company could have called the hospital to see if indeed I owe the bill before putting it against my credit score. It is a form of fraud and I expect the Revdex.com to do some thing about. If not my next move is the FEDs.Desired Settlement: I want that [redacted] negative report completely off my credit report and before thirty day and for the Revdex.com to investigate this company criminal activies.

Business

Response:

Revdex.com spoke with [redacted] from the company and he stated that they only had 2 accounts with this consumer. One of the accounts was sent back in 2012 and the other account was paid on September 29, 2014. [redacted] stated that they report to the credit bureaus and then the credit bureaus take action from there, they have no control over what the credit bureaus report.

Review: I continue to tell the company not call my cell phone over hospital bill with cjw and I continue to get calls. I have records on my cell phone .I have no job !!!!! I also got a bill from them.Desired Settlement: I will take to court for FDCPA VIOLATION or settle for settlement.

Business

Response:

Dear [redacted],

Our office is in receipt of your correspondence detailing [redacted] complaint relating to Focused Recovery Solutions, Inc.

Please be advised that the contact information associated with the accounts placed with our office was provided by our client and the time of placement. While researching her complaint, we did not find any call where [redacted] advised our agency not to contact her via cell phone. [redacted] had four accounts with our agency that were placed with us by [redacted]. They were placed in January 2014, February 2014, March 2014, and May 2014. As of today [redacted] cell phone number has been removed from our system and each of these accounts have been closed and returned back to our client. [redacted] will not be contacted by our office regarding these accounts.

Thank you for your assistance in this matter. Should you require anything further, please do not hesitate to contact our office.

Sincerely,

Director of Operations

Review: I was in a car accident on 09/262012 apparently the billing went into collections when trying to speak with a [redacted] regarding the information they reused, hung up on me, transferred me to a dead number. Utterly refused to provide me any details on anything regarding the complaint. All I wanted was a letter to have it shown as being paid in full and to have it removed off my credit report but they refused to do that at all or even speak with a [redacted]. Something should be done regarding them they CANNOT treat people like this.Desired Settlement: I want them to change their policy about speaking with a [redacted] if a customer requests to speak with one they should be placed on the phone with one not be hung up or transferred around to different people.

Business

Response:

Please be advised that on 6/5/2013 the consumer did speak with our [redacted] which is a [redacted] and paid the account in full. The [redacted] forwarded the request to have the item removed from the consumers credit report as a courtesy due to the consumer's confusion regarding the car accident. The request for removal was completed and submitted to the three credit reporting agencies on 6/13/13. The control number assigned to this request is [redacted]. On 6/14/2013 consumer called our office again upset that she had not received the letter of removal, she was advised the letter was mailed on 6/14/13. We offered to fax the letter to her mortgage company and consumer provided the number. We tried unsuccessfully 4 times receiving an error message each time. We tried to reach [redacted] to notify her, however there was no answer. We mailed the requested letter to the address we have on file, which [redacted] confirmed during call was correct.

Should you have any questions or concerns, please feel free to contact me at [redacted] or via email at [redacted]

Thanks,

Consumer

Response:

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

While it was settled they removed it off my credit report. However what they did not address is that their customer service rep [redacted] transferred me to voicemails, dead lines and a [redacted] CHAT Operator. These people should not get away with harassing people and in accordance with the Fair Credit Reporting act they cannot harass me and yet they did if by for no other reason by transferring me to a [redacted] chat operator. I would like them to address that issue so it does not happen to anyone else.

Regards,

Review: The federal Fair Debt Collection Practices Act (FDCPA) limits where and when debt collectors can contact consumer debtors. The FDCPA prohibits debt collectors from contacting debtors at inconvenient or unusual places. Some workplaces, by their nature, are inconvenient places for debtors to take collection calls. My place of business is a school, where I am a school counselor. This debt collection agency called me at my place of business to collect on a debt when they confirmed that they had my cellular phone number on file. Since there is not a direct line to my classroom, the representative had to go through the main office secretary to be connected. She was well aware that she was calling a high school establishment.Desired Settlement: A change in unlawful practices.

Business

Response:

Dear [redacted]:

Our office is in receipt of your correspondence detailing [redacted] complaint relating to the account our client placed with Focused Recovery Solutions, Inc. for collections.

[redacted] is stating that we have violated the federal Fair Debt Collection Practices Act (FDCPA) by contacting her place of employment. We have attempted to contact [redacted] at her home number several times with no response. On 4/28/2014, we did place a call to her place of employment trying to resolve her account. At that time [redacted] advised our agent that she cannot accept personal calls at work and subsequently her work phone number was

removed from our system. We have not contacted [redacted] at her place of employment based on her request on 4/28/2014, which is in compliance with

FDCPA's requirements.

Thanks you for your assistance in this matter. Should you require anything further, please do not hesitatie to contact our office.

Sincerely,

Director of Operations