United Consumers, Inc.

United Consumers,...

Inc.
14205 Telegraph Road, Woodbridge, VA
22192
Main ###-###-####;   Toll
Free ###-###-####;     Fax ###-###-####
 
Revdex.com
Attn: [redacted]
1411 K Street NW
, 10th Floor
Washington, DC20005-3404
FAX: ###-###-####                           Jan. 18, 2016                           RE: #[redacted]
 
Dear [redacted],
 
Thank you for forwarding these
concerns of [redacted].  We have
investigated these statements and we appreciate their concerns.  We have reviewed this file and I offer the
following response, as there are several issues being addressed.
 
UCI is a collection agency which
represents the creditor.  [redacted] owes
money to this creditor, and they assigned the account to UCI in order to
attempt to collect this debt. [redacted]
alleges that UCI owns the debt, but this is not true.  UCI does not purchase any of the accounts
that we handle.  UCI makes every attempt
to handle each call in a consistent manner, no matter how upset the consumer
may be.   
 
[redacted] comments on the phone calls
and makes statements about the manner in which these calls were handled.  I disagree with [redacted]’s comments about the
tone and manner in which the UCI representatives handled the calls.  However, I respect that she did acknowledge making
repeated calls which ultimately became heated in nature, and I agree that the
calls did not go as well as anyone would have liked.  I have reviewed this situation with our
Collection Manager and the representatives that were involved. 
 
[redacted]’s initial statement, about
the actual account, indicates it was submitted to her insurance.  However, it is our understanding that the
information she provided to our client was incomplete and was not sufficient
for them to properly bill the account. 
If she has some explanation of benefits from her insurance company,
which indicates her insurance did process this claim, we ask that she provide a
copy to our office and we will research the matter further with our client, to
determine how the insurance responded.  If
she desires for the client to now submit a bill to her insurance, we ask that
she provide a copy of the front and back sides of her insurance card.  We do need complete insurance information for
our client to reconsider this.  We will
then review the matter with our client for billing purposes.  If her insurance company has not paid this
bill, or she cannot provide sufficient insurance information for a billing
reconsideration, then we ask that she submit payment of the account within 30
days.  We have ceased our collection
efforts on this account for 30 days, to allow time for [redacted] to review her
options, and we have noted her dispute in our file.
 
If there are any further questions
or concerns, please contact me at your convenience. 
 
Sincerely,  Locke S[redacted],  Vice President - UCI

May 7, 2014

face="Times New Roman">
 
Revdex.com
Attn: [redacted], Trade
Practice Consultant
1411 K Street NW, 10th
Floor
Washington, DC 20005-3404
FAX: ###-###-####
 
Re: [redacted] - [redacted]
UCI# [redacted]
 
Dear **. [redacted],
 
               Thank you for this opportunity to respond to **. [redacted]’s
correspondence.  In reviewing the
complaint and the documentation within our office I offer the following
information to assist in the investigation of this complaint.
               United Consumers Inc. (UCI) is contracted to collect
outstanding tax liability for the Virginia Department of Taxation (VDOT).  All accounts placed by VDOT have been
assessed by VDOT and are controlled by VDOT. 
It is merely UCI’s responsibility to represent VDOTs’ interests in the
collection of that debt.
               First, I must correct a statement made by **.
[redacted] in his letter.  United
Consumers Inc. has not collected any portion of his tax return, and thus has no
ability or authority to refund any money to him.  It would appear that VDOT did collect some
amount via the Federal Tax Offset program. 
That process would have been based on **. [redacted]’s tax return and his
social security number matching up to the taxation records at the Virginia
Department of Taxation.
               In regards to Virginia tax debt, it is the taxpayer’s
(**. [redacted] in this case) burden of proof to show he does not owe the
outstanding obligation.  The periods and
balance in question is for individual income taxes for the periods of 2007 and
2008.  
               **. [redacted] states he has been trying for several
years to settle this matter with VDOT.  UCI
has only been involved in this matter for a few months and has never had a
conversation with **. [redacted].  I
suggest that **. [redacted] send copies of his tax returns for the years in
question.  We can get them to our
contacts at this client.  We would like
to help get this matter resolved, however we will need this documentation from
**. [redacted].  If **. [redacted] wishes
to call our office, we can also have a representative work with him to clarify
the information needed to help get a resolution to his dispute.
I
hope this helps in your investigation of **. [redacted]’s concerns.  If I may be any further assistance in this or
any matter please contact me at your convenience.
 
Sincerely,
 
[redacted]
Vice President
United Consumers, Inc.
PO Box 4466
Woodbridge, VA 22192
###-###-#### or ###-###-####
Fax ###-###-####

United Consumers,...

Inc.
14205 Telegraph Road, Woodbridge, VA
22192
Main ###-###-####;    Toll
Free ###-###-####;     Fax ###-###-####
 
Aug 20, 2014
 
Revdex.com
Attn: [redacted]
1411 K Street NW
, 10th Floor
Washington, DC20005-3404
FAX: ###-###-####
 
RE: #[redacted]
 
Dear [redacted],
 
Thank you for the opportunity to
respond to [redacted]s’ concerns.  We have
investigated this situation.  Apparently
we have been calling her phone number in an attempt to contact a different
person.  We would normally have left a
phone number in our message in hopes of receiving a returned call.  Now that she has notified us, that this is a
wrong number, we have removed the phone number, ###-###-####, from our records
for that other person.  Thank you for
this information.  We have no desire to
continue calling a wrong number, and we appreciate this information.
 
If there are any further questions,
please contact me at your convenience. 
 
Sincerely,  Locke S[redacted],  Vice President - UCI

United Consumers,...

Inc.
14205 Telegraph Road, Woodbridge, VA
22192
Main ###-###-####;   Toll
Free ###-###-####;     Fax ###-###-####
 
Revdex.com
Attn: Brenda Freeman
1411 K Street NW
, 10th Floor
Washington, DC20005-3404
FAX: ###-###-####                           Nov. 6, 2015                           RE: #[redacted]
 
Dear [redacted],
 
Thank you for forwarding these
concerns of [redacted], which we received from you on October
29. We have put our collection efforts on hold
after receiving this notice and we have investigated the statements and the
information provided.  We offer the
following response and information.
 
UCI is a collection agency
representing [redacted]’s creditor, [redacted].  He was provided medical service in June of
2014.  The creditor assigned this account
to our agency in March of 2015 as an unpaid debt.  They did not sell the debt to us.  We sent notifications to this consumer
advising him of our involvement and requesting that he contact us, and we made
additional attempts to contact him by phone. 
However no contact was ever made. 
The unpaid account was reported to the credit reporting agencies in June
2015.  Additional efforts were made to
contact [redacted], in hopes of resolving this account. 
 
In October of 2015, [redacted] did
contact us.   There was discussion about
whether the insurance company had already paid, and whether we could just
remove the file from the credit records. 
We advised that we could not remove the file unless there was some type
of error, but we could update the file if he could provide documentation to
show that his insurance company had already paid.  The call ended without resolution.
 
Subsequent to this call in Oct 2015,
detailed insurance information was provided, with the apparent intent of
getting the insurance billed. 
 
We have reviewed this account with
our client, and they also received insurance information in Oct 2015.  They previously did not have this
information.  It is our understanding
that our client has submitted this bill to his insurance carrier, as of late
October.
 
At this time, 16 months after the
service was provided, the balance is still correct and due.  There is no error that would be any reason to
remove this from the credit reporting agencies. 
In the meantime, we have held our collection efforts on this account, and
will hold it for 30 days, pending a response from his insurance company.  We would suggest that when he receives an
explanation of benefits from his insurance company, that he contact us and submit
a copy of their response.  That will help
to determine whether additional steps are needed to get this resolved.
 
If there are any further questions,
please contact me at your convenience. 
Sincerely,  Locke S[redacted],  Vice President - UCI

United Consumers,...

Inc.
14205 Telegraph Road, Woodbridge, VA
22192
Main ###-###-####;    Toll
Free ###-###-####;     Fax ###-###-####
 
Aug 8, 2014
 
Revdex.com
Attn: [redacted]
1411 K Street NW
, 10th Floor
Washington, DC20005-3404
FAX: ###-###-####
 
RE: #[redacted]
 
Dear [redacted]
 
Thank you for the opportunity to
respond to [redacted]’s concerns.  I have
investigated this and reviewed the complaint and desired outcome presented by
your office, along with the information in our system.
 
There appears to be some
misunderstanding of the timelines involved related to this account.  [redacted] asks that this account be deleted
from the credit reporting agencies based on her implication that this account
was reported to the credit reporting agencies in error.  She states that she never owed anything and “it
was a cross between my payment going in and the hospital sending the account to
collections.”  However, the specific
account transactions do not support that implication.
 
To clarify the timeline on this
account, I present the following information. 
The hospital provided services to this patient in June 2011.  The account was assigned to UCI, as a
past-due debt, in November 2011.  We
provided standard notification to this consumer of our involvement and made
several attempts to contact her to resolve this matter.  These contact attempts did not generate any
response.  This account was reported to
the credit reporting agencies in February 2012.  Further attempts were made to contact this
consumer regarding this account, but these were also unsuccessful.
 
In January of 2013, our client
notified us that this account had been paid in full, to them, on Dec. 20,
2012.  This payment was made
approximately 10 months after the account had been reported to the credit
reporting agencies, and approximately 18 months after the service was provided.  The payment and the credit reporting process
did not simply cross in the mail. 
 
This account was properly and
accurately reported to the credit reporting agencies as an outstanding
debt.  After we received notification of
the payment, we updated the credit reporting agencies of this payment and the
fact that the account was now paid.  This
was done accurately and properly; and [redacted] confirms that the current status
is properly reflecting that the account is paid. 
 
[redacted] implies that this is a
reporting error and thus she asks for deletion from her credit record.  However, this account was not reported in
error.  It was accurately reported as
being due, and once the payment was eventually made, it was accurately updated
to reflect the payment.  This account was
not reported in error, and thus does not qualify to be deleted.
 
We are mailing a copy of the billing
statement for this account, to help clarify the charges, and also to confirm
the payment and payment date on this account. 
This is being mailed to [redacted]’s address.  I hope this clarifies the timing of these
actions and resolves these concerns.  If
there are any further questions, please contact me at your convenience. 
 
Sincerely,  Locke S[redacted],  Vice President - UCI

[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 [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

United Consumers,...

Inc.
[redacted], Woodbridge, VA
22192
Main ###-###-####;   Toll
Free ###-###-####;     Fax ###-###-####
Revdex.com
Attn: [redacted]
1411 K Street NW
, 10th Floor
Washington, DC20005-3404
FAX: ###-###-####                                  ...⇄ Dec
12, 2014
RE: #[redacted]
Dear [redacted],
Thank you for forwarding these
concerns of [redacted]. We have investigated the statements and the
information provided.  We offer the
following response.
I understand [redacted]’s concerns
about multiple calls being made to his home. 
We certainly do not want to make phone attempts to an incorrect
party. 
[redacted]’s complaint did not
provide sufficient information for us to immediately identify the exact phone
number or reason for our alleged calls. 
The daytime phone number he provided does not appear to be in our
database.
I have subsequently spoken with [redacted] at the number he provided, and confirmed the different phone number
which was getting these unwanted calls.
I have marked this number as a wrong
number and have removed it from the active database.  This should resolve the issue.
If there are any further questions, please
contact me at your convenience. 
Sincerely,  Locke S[redacted],  Vice President - UCI

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because: It is only for the Hospital
Regards,
[redacted]

United Consumers,...

Inc.
[redacted], Woodbridge, VA
[redacted]
Main ###-###-####;   Toll
Free ###-###-####;     Fax ###-###-####
Revdex.com
Attn: [redacted]
1411 K Street NW
, 10th Floor
Washington, DC20005-3404
FAX: ###-###-####                                  ...⇄ Dec
11, 2014
RE: #[redacted]
Dear [redacted],
Thank you for forwarding these
concerns of [redacted]. We have put our collection efforts on hold
after receiving this notice and we have investigated the statements and the
information provided.  We offer the
following response.
It appears there is some confusion
regarding the creditor involved in this situation.  [redacted] references an original client as
[redacted] Hospital and states that payment has already been made to this
original creditor.  However, our company
does not represent [redacted] Hospital. 
We do represent a different creditor who works in conjunction with
[redacted] Hospital.  This other
creditor has charges that are separate and distinct from the hospital.
[redacted] has recently provided
us a copy of a payment receipt for a payment that was made to the hospital, but
again, this payment went to a hospital account, and was not paid to the account
of our client, his other creditor.  If he
has made a separate payment to our client, his creditor, then we ask that he
provide us with detailed information of that payment so we can research it.
We have confirmed with our client
that this bill is still outstanding and due. 
We are sending a copy of the
billing statement for this account to [redacted]’s address for his review.  We
ask that [redacted] call our office at ###-###-####, and we will be happy to
explain the difference between our client (his other creditor) and the
hospital.  We will be happy to work with
him on the best way to get this account paid and/or resolved.
We cannot remove this account from
the credit reporting agencies as it is an accurate account and balance.  We have updated the credit reporting agencies
of this dispute.  If payment is made,
then we will further update them of the payment.
We are placing this account on hold
for 30 days to allow [redacted] to review this statement and to contact us to
discuss how it can be resolved. Our client does consider this the proper
balance and is anticipating payment.
If there are any further questions,
please contact me at your convenience. 
Sincerely,  Locke S[redacted],  Vice President - UCI

Review: I am writing to dispute the validity of the attached documents items pursuant to the Fair Credit Reporting Act. I am writing to dispute the validity of the attached documents items pursuant to the Fair Credit Reporting Act. The Fair Credit Reporting Act requires you to verify the validity of the item within 30 days. If the validity cannot be verified, you are obligated by law to remove the item. In the event that you cannot verify the item pursuant to the Fair Credit Reporting Act, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the Fair Credit Reporting Act. Because the Fair Credit Reporting Act provides concurrent jurisdiction in federal and state courts, I shall elect to Use the [redacted] District Court to bring appropriate action against you. I have informed you of the HIPAA violations in this matter. I advise you to look at the supporting documents,While I prefer not to litigate, I will use the courts as needed to enforce my rights under the Fair Credit Reporting Act.Desired Settlement: Remove these accounts from my credit report.

Business

Response:

04/03/13

Review: After requests to cease calling this company is still calling my home multiple times a week. They are a collections company and I have no debts,

This harrassment has been going on for almost a yearDesired Settlement: Stop calling

Business

Response:

United Consumers, Inc.

Review: I continue to receive phone calls and/or voice mails from this company asking for someone who does not live at this number and we have never heard of. This happened several years ago and the request was for the same person. We can't seem to contact them to get them to stop calling our personal home number.Desired Settlement: Stop calling our phone number.

Business

Response:

United Consumers, Inc.

Review: I have searched through my records and can find no reference to my ownership on this account. Please verify per FCRA AND FDCPA requirements (not just Name, address, and SS#) or remove it immediately from all 3 credit reports!

This account is actually preventing me from buying a new home and as a result preventing me from putting a roof over my children heads. This account is completely inaccurate and those inaccuracies should not be showing on my report. I disputed this account on my credit report with Equifax, Experian, and Transunion 45 and 90 days ago as well and yet they still remain. This inaccurate negative reporting has resulted in repeated denials of credit, lost opportunity to receive credit, economic loss, damage to my reputation, loss of self-esteem, invasion of privacy, interference with my normal and usual activities, and emotional distress.Desired Settlement: Removal from all 3 credit bureaus Immediately!!

Business

Response:

United Consumers, Inc.

14205 Telegraph Road, Woodbridge, VA 22192

Main ###-###-#### Toll Free ###-###-#### Fax ###-###-####

September 23, 2013

Revdex.com

Attn: [redacted], Trade Practice Consultant

1411 K Street NW, 10th

Floor

Washington,

DC 20005-3404

FAX: ###-###-####

Re: [redacted]

Dear [redacted],

Thank you for this opportunity to respond to **. [redacted]’s

concerns, received by this office this morning.

I have reviewed the complaint presented by your office and the

documentation on our system.

**. [redacted] discussed this item at length with a UCI representative

on January 8, 2010. During that

conversation it was explained that this outstanding obligation could be

reported to her credit history. **.

[redacted] said she understood and asked for a payment arrangement of $10 monthly to

take care of the balance and if available promised to pay the balance in full

quickly so that it would not be reported to her credit history. No payment was ever made. UCI representatives made several attempts to

speak with **. [redacted] but no response was ever made. Subsequently, the account was sent to

Equifax, Experian, and TransUnion on March 23, 2010.

**. [redacted] did later dispute this item, through the credit

bureaus dispute process and directly with this office. In response to each dispute request due

diligence was made to assure the balance was in fact **. [redacted]’s responsibility

and that a balance was still due. Additionally,

complete itemized statements were mailed on more than one occasion to the

address detailed on **. [redacted]’s complaint with your office. Again, no response has ever been made by **.

[redacted].

Unfortunately, it would be a violation of our agreements

with Equifax, Experian, and TransUnion to delete an item that is in fact paid

or settled. Our agreements clearly state

this would be a violation of fair and consistent credit bureau reporting. As I am sure you know-fair and consistent

credit bureau reporting is also a mandate set by the Fair and Accurate Credit

Reporting Act (FACTA). As such we are

held within contractual and regulatory compliance statutes that will not allow

deletion of an item for the fact it has been paid or settled in full. Our obligation is to timely update items with

the correct detail matching the activity, i.e. paid or settled in full. Once the item has been paid a request will be sent to all

three credit reporting agencies to update the item as paid. I am also happy to verify payment with any

credit grantor **. [redacted] gives me permission to disclose information with

directly.

I hope I have been of assistance in this matter, if you have

any questions or need any additional assistance please contact me at your

convenience.

Sincerely,

Assistant Vice President

###-###-####

Consumer

Response:

I have searched through my records and can find no reference to my ownership on this account. Please verify per FCRA AND FDCPA requirements (not just Name, address, and SS#) or remove it!! You have not verified this account as being linked to me!! I did call and ask questions about it because I was receiving bills for an account that is not mine!! I even called [redacted] which is the place where the bill was forwarded from and they have always had insurance on file for me and it was always billed and I have NO balance at all with them!! This account may belong to someone else but do NOT pin it on me, as it is not mine and I did not receive any of the services you are claiming a bill for!!

Review: I have had repeated voiced mails over the last month from this company to my home phone saying who they are and that this is an effort to collect a debt. The messages says I should not listen to it if I am not the individual it is for and not share it with anyone else. The message does not have my middle initial correct is the first clue this is invalid. The second clue is that I do not have any debt that anyone would need collected. To also say no one else should hear the message would lead me to believe they are targeting individuals they do not want to have seek assistance for someone else to advise them against the call. The call is an automated robo-call.Desired Settlement: I would like the phone calls to stop and if in anyway they have impacted by credit record it needs to be rectified.

Business

Response:

United Consumers, Inc.

Review: Continues to call and asks for someone with a different first name but same middle and last name. Ask me to press 1 if I am not this person. I do. But it continues call me back.Desired Settlement: I am not that person. Stop bothering me.

Business

Response:

United Consumers, Inc.

Review: United Consumers Inc. has placed a collection due in the amount of $1008.00 that I do not owe. It has just appeared on my credit report. The telephone numbers are disconnected. I have never received mail describing to whom the amount is allegedly owed.Desired Settlement: Remove charge from credit report

Business

Response:

Review: see Attached documentDesired Settlement: see Attached document

Business

Response:

03/20/13

Review: They called and left a message for my elderly,ill Father.I called back and they attempted to phish for private information.When I asked that they submit their issue via mail,they became rude and snarled"I'm marking this down as refusal to cooperate".

That is quite impossible,since they refused to state what it was in regards to and refused to provide a written explanation.They are clearly a scam company trying to bilk the elderly out of private information.

Please have them arrested and charged with fraud.They are preying on the weakest,most vulnerable members of our society.

Thank youDesired Settlement: I would like them to provide a written explanation of what they are trying to accomplish.I suspect whatever they are trying to do is fraud or in some way illegal since they were unwilling to send their request through the mail.Obviously if they have the phone number,they have the address.If they were a legitimate company they should not have a problem doing that.

I think they are thieves trying to bilk the elderly.

Business

Response:

United Consumers, Inc.

Review: For several years I have been trying to get this settled and the United Consumers will not listen to me or the Virginia Dept. of Taxation. United Consumers collected my complete tax return for a bill I do not owe to Virginia. I was living in West Virgnia from 1999 until 2010. They say I owe back taxes from 2007 and 2008. I DO NOT. All correspondences that I have received are for a [redacted] and I have told them that my name is [redacted]. Now this year I filed taxes with my new wife and they took all of our tax return for this.Desired Settlement: I want all of our money back. I do not owe it to them and NEVER HAVE....

Business

Response:

May 7, 2014

Review: I received a call from this number, I didn't answer the phone so a voicemail was left. I returned the call promptly and asked what it was about. The lady on the phone asked if I was "so and so" & I responded, "yes". She then asked me to verify my address. I told her my address. She asked me if I ever lived on [redacted] road and I told her that I have not. She then said well we have the wrong number. Okay, but If I am the person you are looking for and It's my number how do you all of a sudden have a "wrong number"?? I wish for them to not contact me again! They really should get their office practices and procedures together before harassing people.Desired Settlement: I wish for them to remove my number and to remove me from their "list"

Business

Response:

United Consumers, Inc.