Merchants & Professional Credit Bureau Inc

Complaint: [redacted]
I am able to access the site now. But its asking for an account number which I don't have as I never received a mail from me. Can you send it to me.  I plan to keep this dispute open until the collections is removed from my credit report. Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
I am rejecting this response because: As I previously stated, I have NEVER received a validation of debt letter NOR a phone call to dispute the ENTIRE validity of this debt. Whoever this company spoke with, quoted the mini-miranda to, identified their mystery client to DEFINITELY was NOT this [redacted]. This is the first that I EVER heard what the debt was for so I now know its for jewelry. I have NEVER in my life financed a ring or any jewelry so when they state their client; I still have no idea who this company nor their client is who has authorized this fraudulent account in my name and social which I never authorized, never received, nor ever paid on.Again, I am requesting this fraudulent debt be removed from all 3 credit reports. Regards,[redacted]

Case ID# [redacted] Merchants and Professional Bureau, Inc. is reporting just one account on Ms. [redacted] but we are reporting it to all three of the main repositories. This is an older account assigned to us in October 2012, at which time we sent several notification letters to Ms....

[redacted]. We also spoke with her by phone on November 19, 2012 making her aware of the situation.  We received the first and only written dispute letter sent to our office from Ms. [redacted] on January 19, 2017. We immediately notified our client of the dispute and requested they provide validation papers. After receiving those papers from our client we mailed them to Ms. [redacted] on February 13, 2017, which is within the 30 day required time frame.  Our record notes show we were notified by the repositories through the EOscar system that Ms. [redacted] disputed this account late last year. As required, we responded back through the EOscar system confirming we were reporting accurately. Upon receiving the first notification from EOscar we marked the account as disputed in our system. We continue to report it on our monthly files as a disputed account.  Please understand we are only required by law to respond directly to an individual if and when we receive written correspondence from that person. Since we received a letter directly from Ms. [redacted] we have complied with the FDCPA and mailed validation of the account.  If I can be of any further assistance to Ms. [redacted] she may contact me at ###-###-#### Monday through Friday 7:45 to 4:30.

Complaint: [redacted]
I am rejecting this response because: We haven't received anything by mail. We just moved into this house on 7/1/15 and constantly check the mailbox because we are awaiting several responses from agencies such as yourself. Although I doubt this would be required by law, as a courtesy I would very much like to get a copy of the envelope that showed it was returned. We appreciate the quick response via Revdex.com. Thank you.  
Regards,
[redacted]

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]

The account number is [redacted]. [redacted]

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]

Revdex.com-[redacted]  [redacted]  7-22-2016   Case #[redacted]     I will reiterate—MPB has never removed this item from the credit repositories. If she did not see it on some credit report I can’t explain why.   When I stated “an account could be removed and then re-reported under certain circumstances” I was not saying this was the case with Ms. [redacted]’s account. I was simply saying there are circumstances where an account might be removed and then re-reported and it isn’t an illegal process.  None of this applies to Ms. [redacted]’s account.   Also as I stated previously, we have had two telephone conversations with Ms. [redacted]. The first was us making an outbound call on January 27, 2011. Our representative verified she was the correct party, and gave her the required mini-miranda. Ms. [redacted] did not dispute or make payment arrangement and our representative documented “she hung up on me”.  The second was an incoming call from Ns. [redacted] on April 10, 2015. As I wrote before “Ms. [redacted] called our office to question our representative on how the account would be reported if she were to start making “payments” towards her balance. Our representative explained to her that our file goes to the three national credit bureaus each month and that we would report her new balance. Our representative asked Ms. [redacted] if she wanted to set up a payment plan and Ms. [redacted] hung up the phone.”   The account was assigned to us on December 28, 2010. We did not report the account to the credit bureaus until March 8, 2011. We mailed five letters to her and spoke with her by phone once prior to reporting in an attempt to resolve the account prior to it reporting. If Ms. [redacted] wishes to have the account removed from the credit file now she has the options of 1) paying the account either in full for immediate removal or setting up a payment plan for deletion after the final payment ; or 2) waiting for the account to reach the seven year mark (which will be 8/26/2017). At that time it will still be an unpaid collection account but will no longer be reported to the credit file.   In Ms. [redacted]’s original Revdex.com complaint she stated this is “an incorrect collection” so we obtained validation papers from our client. We mailed these on 7/19/16 to her. These papers bear her signature acknowledging financial responsibility. We don’t understand why she thinks this is “an incorrect collection”. If Ms. [redacted] would call me and give me more information I will work with her on resolving this issue. Tell us why here...

Revdex.com-[redacted]  3445121  10-28-15Case #[redacted]Our records show we did receive two notifications through
the EOscar system, indicating Mr. [redacted] was disputing the account. One was from
Equifax, which we responded to on May 30, 2015 and the other notification
through the EOscar system...

was from Experian that we responded to on September
30, 2015.  We responded to both by
indicating we are reporting the account on [redacted] with social security
number ending in 5272 and verifying his date of birth.Our client, Tyler Radiology Associates, rendered services to
Mr. [redacted] on June 26, 2011 at the East Texas Medical Center in Tyler, TX. Our
client’s records show that Mr. [redacted]’s address at the date of service was 328 W
3rd La Joya, TX 78560. This is the same address he listed on his
first dispute through EOscar in May 2015 as being his address. This account was assigned to us on October 21, 2011. We sent
Mr. [redacted] our first required notice on October 24, 2011. Our notice was not
returned by the Post Office and we did not receive a response from Mr. [redacted].
We sent two more letters with the same results. We then made several attempts
to reach Mr. [redacted] by phone but were unable to make contact. After that we
mailed three more letters mailed 12/8/2011, 12/23/2011, and 1/6/2012. These
letters were not returned by the Post Office and we did not receive a response
from Mr. [redacted].Our first “communications” with Mr. [redacted] was his
notification through EOscar in May 2015. At that time, we marked the account to
be reported to the national repositories as a “disputed” account.  After the second EOscar communication in
September 2015 we sent Mr. [redacted] a letter to which he did not respond.After receiving the Revdex.com complaint, we contacted our client
and obtained validation paperwork that we will mail to Mr. [redacted] at [redacted]. If this is a case of identity theft, we will need a written
statement from Mr. [redacted] stating he is a victim of identity theft, a copy of
his driver license, and a copy of an identity theft report filed with the
police.Mr. [redacted] may contact me at [redacted], Monday through
Friday, 7:45 to 4:30, if I can assist him in any way. [redacted]Tell us why here...

Our client is [redacted] who show a college ring was purchased for graduation from [redacted].

Complaint: [redacted]
I am rejecting this response because:This complaint is not about the debt. I agree I owe the debt, but I appreciate the detailed sarcastic response. I had different reasons for the disputes, but the last dispute was because I was told they didn't own the debt. I would have paid and it would have been removed per our original agreement. I was told they had instructions to remove this debt upon payment. I would like this in writing, as I no longer trust this company.It's great that they didn't include my detailed medical history in writing their response. Because it was not necessary for them to have this information to collect a debt. This is what I'm upset about. I asked for itemized information regarding numbers (the actual amount I needed to pay). For example, you saw this Dr and it cost this amount. Not, you saw this Dr for THIS MEDICAL CONDITION for this amount. I'm terribly sorry I wrote HIPPA and not HIPAA, but you get the point. I don't think a collection agency should or needs to have this information and I feel my rights were violated. By me asking for itemized details of the account, they took it too far and obtained detailed medical information. This collection agency could have done their business of collecting a debt without my DETAILED MEDICAL INFORMATION. The last lady I spoke with sounded proud that they didn't violate HIPAA. She was rude and convinced they did nothing wrong. She said because I asked for an itemized account history, that I gave her permission. I did not. This is where I think they skirted the rules and violated my rights. I will also be filing against Austin Regional Clinic for giving them the information in the first place. I have an appointment with an attorney next week.I would like a copy of our conversations.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:  Please provide me with original documentation from the United States Postal System, not your companies that show delivery confirmation to my home as well as any time I signed for any letters that bear signature.  Do you pocess such documentation?  Yes or no?  I feel like this was placed on my credit report without regard for the laws that govern debt collection practices.   If you cannot provide me with this documentation then you must remove this from my credit report.   
Regards,
[redacted]

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. The referenced account has been officially removed from all 3 credit filing reports. I have made record of all communication and correspondence.
Regards,
[redacted]

Revdex.com-Tracy [redacted]  4305444  9/13/16   Our client, Austin Regional Clinic, assigned this account for collection on June 27, 2016. We mailed the required first notice on June 28, 2016.   On July 11, 2016, we received a letter from Ms. [redacted] informing us to “Cease and Desist”. She...

stated this account was “wrongfully billed and is pending malpractice suit and facing complaints with the State of Texas Licensing Board. All communication with this account is to be handled directly with Austin Regional Clinic legal and billing”.   That same day we forwarded a copy of this letter to our client asking them to investigate and let us know how to proceed.  The ARC representative responded that the billing was correct. She forwarded us a copy of her letter mailed to Ms. [redacted], dated July 21, 2016, stating they had “no record of receiving notice of this action” and requesting Ms. [redacted] to submit the information to Austin Regional Clinic for further review. The letter also stated the balance does remain due.   On August 8, 2016, we mailed validation of the debt to Ms. [redacted], as we are required by law to do when we receive a letter of dispute.  Then the account was placed in a “cease & desist” status as a result of Ms. [redacted]’s letter.  No further action will be taken by MPB.   Our client has not notified us of any further information or communication regarding the outstanding balance owed by Ms. [redacted].     [redacted]

Revdex.com-[redacted]  [redacted]   [redacted]   [redacted]   The account Mr. [redacted] is referring to was assigned to us for collections by our client, [redacted], LLC on September 2, 2016. We mailed the required first notification informing him...

of his rights on September 6, 2016. This letter was mailed to his Texas address of [redacted]. Our letter was not returned by the Post Office as undeliverable.  Mr. [redacted] did not respond to our letter so we mailed a second and then a third letter with the same results.   We then attempted to reach Mr. [redacted] by phone. We were able to speak with him on October 11, 2016 but he hung up once we told him we were attempting to collect a debt.  Several more attempts were made to reach him but he never answered our calls. On November 7, 2016 we mailed another letter but this one was returned as undeliverable by the Post Office.   After receiving the Revdex.com notification that he is disputing the debt being his or his responsibility, we contacted our client for proper validation papers. They have provided an itemized statement of charges, a copy of Mr. [redacted]’ driver license, and the signed Conditions of Admission and Consent of Outpatient Care form which includes a Financial Agreement section.   Also included with the validation papers is a letter from Mr. [redacted] to our client dated December 7, 2015, in which he states he will make monthly payments of $10.00 towards his balance. The email address he has on this letter is the same email he listed on his Revdex.com dispute of [redacted].   We have noted that Mr. [redacted] has a PO address in [redacted] listed on his Revdex.com complaint. This is the first we have been aware that Mr. [redacted] no longer lives in the state of Texas. MPB is not licensed to collect in the state of North Dakota. Therefore, we have notified all three credit repositories to remove our reporting of this account from Mr. [redacted] credit file.   However, we will be forwarding this account, along with the validation papers from our client, to an associate agency that is licensed to collect in North Dakota. We will inform them of Mr. [redacted] dispute and ask that they mail the validation papers to him as soon as possible. While this process will take a few days, Mr. [redacted] will see our reporting of this account removed but, eventually, it may be reported by our associate in the coming months as a disputed item. Tell us why here...

Revdex.com-
[redacted]Case
#[redacted]Our
answer remains the same. Under the Texas Family Code the spouse is “liable to
any person who provides necessaries to the spouse to whom support is owed”. Tell us why here...

We received an email notification through our website from Ms. [redacted] on June 29th informing us of this situation. I investigated and discovered the account should not be on her credit file. Apparently, when we sent in our full monthly file for June to the repositories the account was place on her...

file instead of the correct party’s.   That same day, June 29th, we completed a “universal data form” online and submitted it to the three major credit bureaus instructing them to delete this account from Ms. [redacted]’s credit file. Even though this is the fastest way to handle the deletion it will take 5 to 7 business days before the process is completed on their end.   If Ms. [redacted] has any questions I can be reached at [redacted] Monday through Friday 7:45 to 4:30.   [redacted] Tell us why here...

Revdex.com-[redacted]  Case #[redacted]  MPB account
#[redacted]Our response was not intended to be “sarcastic” but a
factual detailed report of how the account was handled.  In regards to her statement that we told her we don’t own
the debt, we would never make that comment. As I stated previously, we don’t
purchase debts. Our clients remain “owners” of the debts, at all times.  I explained in our earlier response, our
representative did mistakenly state the account had been returned to our client
because of the cease and desist status. Her request for a letter? Ms. [redacted] contacted me
yesterday by phone and paid the balance due. I mailed her a letter stating the
balance has been paid and will be removed from her credit file. I went on line yesterday
after her call and submitted a request to have the account removed from her
file.  I will reiterate we did not, nor did our client, violate the
HIPAA law by supplying the itemized statement of charges to Ms. [redacted].Our phone recordings are for our internal use. We will not
be providing a “hard copy” to Ms. [redacted]. If she would like to make an
appointment with me and come to our office, I can let her listen to the calls.[redacted]Tell us why here...

Complaint: [redacted]
I am rejecting this response because: I need a validation letter and signed contract please?
Regards,
[redacted]

Revdex.com- [redacted]   3-14-17   Below are the facts on the history of the above referenced account:   This account was assigned to us on April 9, 2012 by our client [redacted].  We mailed our first notice to Ms....

[redacted] on April 10, 2012 notifying her of her rights.  We did not receive a response from Ms. [redacted] and we did not receive our letter back from the post office as non-deliverable. We mailed two more letters to her and these letters were never returned by the post office as undeliverable.  We made two attempts to reach her by phone but were unable to make contact with her.  After the phone attempts we mailed three more letters over a two month period and again, we did not receive a response from Ms. [redacted] and the letters were not returned by the Post Office.   On February 7, 2013 we responded to an inquiry she made through the EOscar system with Experian regarding this account. At that time we marked the account as disputed and reported it as such to all three repositories.   On August 13, 2015, we once again responded to an inquiry she made through the EOscar system with Experian.   On February 29, 2016, we responded to an inquiry she made through the EOscar system with TransUnion.   On January 30, 2017, we again responded to an inquiry she made through the EOscar system with TransUnion.   On February 9, 2017, we received a letter disputing the debt from “[redacted]”, no first name. We requested proper and complete validation of the debt from our client. The validation packet was mailed to her on March 9, 2017. As the letter requested, we have marked the account for communication by mail only, no phone calls.   On March 10, 2017, we received notification from the CFPB of a complaint from Ms. [redacted].  We responded to that complaint on March 14, 2017 with this same information.   We do not purchase debts. We do not sell debts. This account has always belonged to our client who rendered the services.   The account is still outstanding and is reported as a disputed collection account.   Regards,   [redacted] Tell us why here...