Trotwood Auto & Brake Center

I have verified with [redacted] that they show accounts [redacted] and [redacted] paid in full We have reported such to the credit bureaus Once an account shows paid, they buraues will usually drop the account from your credit report after days.I have checked with [redacted] , PA ( [redacted] for $66.00) as well as [redacted] ( [redacted] for $106.00), neither of these providers show these accounts to be paid

The complaint filed with the Revdex.com was the first this office has heard of the incident reported by Ms [redacted] .I spoke to Ms [redacted] on 12/9/after reviewing her complaint I told her that our records indicate the account she is referring to has indeed been removed from her credit report I asked her which bureau report she was still seeing the account listed with, she replied Experion I explained to her that we don't report any data to Experion...we only report data to Equifax and Trans Union...therefore anything listed on her Experion report isn't of our doing She then said perhaps it was as Equifax report she was looking at I asked that she send me a copy of what she was looking at so I could see exactly what it was and guaranteed I'd work to get the account removed if it was indeed still listed with Equifax or Trans Union She agreed to scan and email the listing to me, but as of today, 12/14/16, I've not received her email nor heard back from her concerning the account.Should further information be needed, please feel free to contact me.Thanks

In my previous reply, I notified that we cancelled account [redacted] for $from collections and removed it from your credit report.Now that I have the attachment you mentioned, I can see the other accounts you mention in your complaints...however, you will see those were placed on your report by [redacted] ...NOT Smith, Rouchon and Associates, Inc.Those other accounts are going to be accounts owed directly to the hospital You will need to contact them concerning those as those accounts are not and have never been placed with us for collections, therefore, we did not place them on your credit report, [redacted] made the reporting

I responded to this complaint yesterday I think I addressed all issues brought up by Ms [redacted] I am sorry if she felt our call was threatening to her son

As explained in my first email....because the Statute of Limitations has run, we are no longer actively attempting to collect the debt.However, once an item is reported to the credit bureau, the keep it listed for years from the date of first report This is their rule, not ours

Thank you for notifying us of the recent complaint submitted by Mr*** We are very interested in preserving the goodwill and confidence of our customers I appreciate the opportunity to respond.Upon receiving this complaint, we reviewed the recording of the telephone call between Mr [redacted] and our collector After hearing the phone call, our Vice President ( [redacted] ***) felt there could have been room for improvement in the customer service that Mr [redacted] received Today, she personally called Mr [redacted] to discuss the telephone call between him and the collector She assured him our collectors are trained to be sensitive to consumer financial constraints and apologized if he felt he'd been treated harshly The call to Mr [redacted] went very well, resulting in a clear understanding of his account and a payment plan that suits his current situation.The collector involved has been made aware of the complaint made against her She has undergone simulation with management on ways that this complaint could have been avoided.If you have any further questions concerning this complaint and its resolution, please feel free to contact me at (601) [redacted]

Please be advised this is not true regarding outstanding debtsHowever, as you stated in previous response SOL has run and the two remaining are not in collection process Again, I respectfully request these items be removed, thus I am trying to purchase a home and these items are affecting the purchase Also, the accounts from Jackson Heart have been paid well over the day period and are still appearing on my creditPlease have those removed immediatelyWith Kindest Regards Complaint: [redacted] I am rejecting this response because: Regards, [redacted]

Our note and phone records do not indicate any calls from this consumer since our rep called her on 5/23/ At that time she informed the rep that she was applying for disability and couldn't make any payments towards these balances Since the Statute of Limitations has run, we are not actively trying to collect these debts However, items reported to the credit bureau stay on the report for years The accounts she referenced are not paid If the consumer has questions about her accounts and the status of her accounts I invite her to call our office to speak with an account rep

I feel she should apologize to me

The referenced account for Ms*** was placed in our office for collection on 10-2-15. We indeed show the account was paid via check-by-phone on 3-22-16. We send complete updates to the credit bureaus monthly.An update will be sent on Ms***'s account this week.A paid in full
receipt was mailed to Ms***'s per her request on 4-18-

I have cancelled our account *** for $from collections. We will send notice to Trans Union and Equifax to delete the item from MsJenkins credit report...this process takes 7-business days.We do not report to Experian so anything listed with them is not of our doing.This is the only account I find in collections. I didn't find the attachment she mentioned and have no way to find those without further information. She may dispute them with the credit bureaus or provide me with the needed information

Upon receiving this complaint as well as an email directly from Ms***, I have reviewed the account for her son, *** ***. My review included reviewing all notes on the account, speaking with the account rep (*** ***), the account rep's manager (*** ***) and
listening to our recordings of both the phone call with *** *** and Ms***.When Ms*** called ***, there was no mention of putting anything on his credit report. Ms*** stated why she was calling and he asked questions about the account which were answered by Ms***. He didn't tell her he was a football player. He only told her that his coaches usually take care of bills and asked Ms*** to call his mother to discuss the account. Ms*** took his mothers name and phone number down and told *** she'd call her. There was nothing threating in the call and there was no indication from ***'s tone that he was upset by the call.When Ms*** spoke with Ms***, she was obviously upset that we'd called her son about the account. Ms*** advised Ms*** that her son played football for *** *** and the school should pay for the bill. She went on to tell Ms*** how she'd scared *** with her call. That was never and is never our intent with our calls. ***'s name and telephone number was the only contact information listed on the account which is why he was called. The call ended when Ms*** began using obscene language with Ms***.Ms*** called back and spoke with *** ***...she is Ms***'s manager. She told Ms*** that she wasn't happy with Ms***. They went on to resolve the account with Ms*** agreeing to send in the balance due on the account.Again, our goal is to reach account resolution but never in a threatening way. We appreciate the opportunity to address this complaint. If further information is needed please feel free to contact me

Complaint: ***
I am rejecting this response because:Upon reviewing your response, you state that the alleged debt is no longer up collection and you state that the alleged debt is out of statueTherefore, I need you to remove the alleged debt from all credit bureau reports immediatelyI never had a contract with Smith, Rouchon and Associates but the alleged debt was reported to these credit bureaus agencies as if I owed the $to Smith, Rouchon and AssociatesThe statue has run out and I want the collection removedIt is still affecting my credit and that is unacceptableI require validation and verification of my signature on a contract with the agency Smith, Rouchon and Associates within thirty daysI have also attached the other alleged debt amounts provided to the credit bureaus by Smith, Rouchon and AssociatesPlease remove all of the alleged debt from all three of the credit bureaus immediatelyThank you
Regards,
*** ***

This account was placed with us for collection from *** *** *** on 9-17-13. A validation letter was mailed 9-20-and assumed delivered as it didn't come back to us in return mail. Records indicate the customer called our office 11-5-but didn't leave a message on the
account reps voicemail. The rep attempted to call the customer back several times but received no answer. The account was reported to both Trans Union and Equifax on 12-23-13.On 2-17-we received notice from Trans Union that the consumer had disputed the account as "NOT LIABLE FOR THE ACCOUNT". The account was verified with the original service provider as owing and due. Such was reported back to Trans Union and we also mailed another letter to the customer letting her know we'd received her dispute, answered it and invited her to call our office for further information. We never heard from her.We have not received any further correspondence from the consumer.Since the account is indeed outside the MS status of limitations we are no longer actively attempting to collect the debt by contacting the consumer. However, once an account is reported to any credit bureau, the listing remains on their report for seven years.If the consumer would like to pay the balance so that we can update her credit report, she is welcome to do so.I'm attaching a statement showing what the balance owed is for.Should the consumer have further questions, she is welcome to call and speak with an account rep that can assist her

Notices were mailed to Ms*** at the same address given in the complaint on 6/17/13, 8/1/14, 1/3/and 4/7/giving her notice of the accounts. The notices were assumed delivered as they were never received back from the post office.We called the phone number given on the account several
times and often left messages with *** *** who claimed to be Ms***'s mother.The accounts we have in collection are owed to *** ***, PA. The services rendered would have been the reading of X-rays and scans.The accounts owed are:***, $138.00--Head CT performed at *** ** *** *** *** on 03/19/2013***, $59.00--Radex Facial B1S performed at *** ** *** *** *** on 04/22/2014***, $53.00--Radex chest view performed at *** ** *** *** *** on 09/22/2016*** $53.00--Radex chest view performed at *** ** *** *** *** on 10/19/2016If Ms*** has questions concerning these account or there listed on her credit report, I invite her to call our office and speak with an account representative that can answer any questions she may have

Thank you for notifying us of the recent complaint submitted by Ms***. We are very interested in preserving the goodwill and confidence of our customers. I appreciate the opportunity to respond.The account in collection is from services rendered 7/28/14. Statements asking for
payments were sent to Ms*** from 9/15/until the account was placed for collection due to non payment on 7/7/15. There were never any payments received prior to the account coming to collection.The rep assigned to Ms*** account did give her the opportunity to make payments toward the balance since she was unable to pay it in full...three times the rep set Ms*** on a payment plan, both times the agreed upon payment arrangements were not kept by Ms***.We often utilize what we call re-workers to work behind reps that have broken payment plans. That is the call she received from Mr***. We have listened the telephone conversation between Mr*** and Ms***. Mr*** did just as he was trained to do. At the age of her account and the three previous broken payment plans, Ms*** offer of "I will pay what I can when I can" is not an acceptable offer. Mr*** then relayed information to Ms*** about the direction of the account, the information wasn't given in a threatening way, but rather informational. When someone refuses to pay, litigation is often the next step. Her account is being prepared for pre-legal review at this time so she will not receive any future calls from Mr***. Any future calls, correspondence and/or payments should be directed to this office as our client isn't going to want to bring and account of this status and age back into their monthly billing cycle. While we do train our staff to be sensitive to the situations surrounding the reason a debt hasn't been paid, we have also learned in our years of providing collection services to recognize when a person truly intends to work with us toward getting a debt paid off

Correction. I did not and have not spoken in anyone at Smith Rouchon over the phone regarding these accounts, therefore I would not have given any false information of disability because I'm definitely not disabled . Correspondence from myself has been in handwritten letters.  Unfortunately, I do not have copies of the letters. I have also disputed the information with all three(3) credit agencies. I have paid both $40 accounts to the original creditors. Since, these are the only accounts that are lingering on my credit report and I'm trying to improve my credit so that I can purchase a home sometime in the near future and the other accounts are not being actively collected on because the Statue of Limitations has expired. I am respectfully requesting that those items be removed from all reports. Best Regards
 Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]

In my previous reply, I notified that we cancelled account [redacted] for $61.00 from collections and removed it from your credit report.Now that I have the attachment you mentioned, I can see the other accounts you mention in your complaints...however, you will see those were placed on your report by [redacted]...NOT Smith, Rouchon and Associates, Inc.Those other accounts are going to be accounts owed directly to the hospital.  You will need to contact them concerning those as those accounts are not and have never been placed with us for collections, therefore, we did not place them on your credit report, [redacted] made the reporting.

Thank you for notifying us of the recent complaint submitted by Ms. [redacted].  We are very interested in preserving the goodwill and confidence of our customers and appreciate the opportunity to respond.The account Ms. [redacted] is referring to was forwarded to us for collection on 11-18-13 for...

medical services she received on 6-12-13.  When the account was initially placed for collection, calls and letters were generated to Ms. [redacted] without a response.  The account was reported to Trans Union and Equifax on 2-24-14.On 5-12-16 we received an online payment via bank draft for $117.00, clearing the balance to show the account as paid in full.  That payment was reported to Trans Union and Equifax on 5-19-16 advising they show the account as paid in full.As is our current policy, accounts balances are updated monthly with the credit bureaus...however, paid in full accounts are not deleted until they have been paid in full for a minimum of 90 days.  This gives ample time for payments to clear the bank before the deletion takes place.There are no notes documenting the phone calls Ms. [redacted] says were made and she was treated rudely.  I've also checked our incoming and outgoing recording system and find no calls to or from the telephone number of [redacted].Please let me know if I can be of further assistance.

I feel she should apologize to me.