Merchants & Professional Credit Bureau Inc

M[redacted]l’s comments have me confused. She states “the VA has already processed and paid for the hospital visit for my 8 month old baby boy”. Our account is for services rendered in March of 2013 for her child. Are we talking about the same child and the same date of service? She states she called and gave the VA her child’s social security number last year. Based on when she first contacted us about her working with the VA I assume she did that in August 2014. This would be more than a year after services were rendered. If that is the case and VA didn’t have the information until that time then perhaps they will be paying in the near future. Again, providing we are talking about the same date of service and the same child. At this time, we have placed a “cease & desist” hold on M[redacted]l’s account so no future contact will be made to her in writing or by phone regarding this account. We are not allowed to contact the VA for payment. I recommend M[redacted]l stay in contact with her VA representative to get this resolved and paid to our client as quickly as possible. This is a reportable item and will remain on her credit file until paid.   If M[redacted]l wishes to contact me directly at any time I will certainly assist in any way I can to resolve this account. Thank you, [redacted]Tell us why here...

Our client, Scott & White Hospital, was previously known as Trinity Medical Center when Mr. [redacted] received treatment from them.  This is for a date of service of March 2, 2009. We will mail validation of the debt to Mr. [redacted]’s address of 15820 Ramsey Rd, as he...

requested. As stated on our letter, our office hours are 7:45 to 4:30, Monday through Friday but we were closed on December 24th and 25th for the holiday. Mr. [redacted] can call us anytime during our regular business hours and he will reach a live person to speak with (we do not have voice mail).

Revdex.com:I want the business to send me a letter showing that this case is closed to keep for my record.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. I would like to receive the contact information for [redacted] to resolve this problem.
Regards,
[redacted]

The two accounts Ms. [redacted] referenced in her complaint was assigned to us by our client, [redacted].  The first account was assigned on April 10, 2013 and we mailed the required first notification letter on April 11, 2013. The second account was assigned on November 19, 2015...

and we mailed the first required notification letter on November 20, 2015.  As required by law, our first notification letter states the person’s rights and the required “Mini-Miranda”. Several more letters were mailed on each account. All letters included the required “Mini-Miranda”. None of the numerous letters we mailed were returned by the Post Office as undeliverable. Ms. [redacted] did not respond to any of our letters.   We did try several times to reach Ms. [redacted] by phone but we were unsuccessful in making contact.   On May 22, 2017, we received a dispute letter from Ms. [redacted] dated May 16, 2017, requesting validation of the two accounts.   On June 15, 2017, we mailed complete and proper validation to Ms. Shepard on both accounts. This correspondence also included the “Mini-Miranda” on our cover letter.   The law requires us to state the “Mini-Miranda” when we speak with a person over the phone or in person. It also requires us to state the “Mini-Miranda” on all letters sent to the person. All our letters are printed with the Mini-Miranda. We have only communicated with Ms. [redacted] by mail.   Merchants and Professional Bureau, Inc. does not purchase debt. Ownership of all accounts remains with the original provider of services.   We have not violated any laws.   Regards, [redacted] Chief Operating Officer Tell us why here...

Complaint: [redacted]
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]

Complaint: [redacted]
 I accept their action to put a cease and desist hold on my account,  but since [redacted] is confused, I want to make it plain. I had a second child August 2014.  The VA has already processed payment for the doctor and hospital bill for his delivery and initial doctor visit. The point I was making was that there is no question that I have VA insurance. My first child in question has had a $40,000 hospital bill paid after his birth and 5 day NICU stay. The VA is currently processing his due bill of $354.00. Hopefully this helps [redacted] understand my point and clears any confusion she had. I do not wish to contact her in the future about anything because there is no point. They are not going to contact me in the future and that's what I requested initially when filing this dispute. Take care. 
Regards,
[redacted]

Since this debt was incurred as a result of an internettransaction, our client is unable to provide a signature of the person who usedtheir services. Therefore, we are cancelling and returning this account back toour client.

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]

Complaint: [redacted]
I am rejecting this response because: For the purposes of your call to me, you were not representing a credit bureau. You should have clearly stated you are a Collections agency. A collection agency and a Data furnisher are two very distinct functions that can not be combined. The representation on the phone was abbrasive to me and when I questioned their function, a clarification was not provided. They used their function as a credit bureau to try and scare me into paying the debt, which I am still disputing with the medical facility as well. The representation as a Collection Agency should be clear to the people you are trying to collect a debt from. It seems very confusing and a conflict of interest to have a Collection agency also serve as a Credit Report provider (which is what they are) which is supposed to be objective.
Regards,
[redacted]

The account for [redacted] was assigned by our client on November 10, 2014. We mailed the required first notice on November 11, 2014. Our letter was not returned by the post office and we did not receive a response from [redacted]. We sent several more letters with the same results. We then attempted to...

reach [redacted] by phone but were not successful in those attempts either. [redacted] called our office on January 21, 2015 stating he had seen this account on his credit file. He told our representative that he had paid this on the day of his surgery which was January 27, 2012. Our representative told him we would contact our client to verify this information and if there was a problem we would let him know. She also told him he could call us back in a few days but to give us time to check with our client and in turn give them time to research.Because of his statement to the Revdex.com “Merchants is reporting a collection on my credit reports without proof of debt” we are now considering this a “disputed” account. We requested validation of the debt from our client which they have now provided to us. We have mailed the validation paperwork of this debt directly to [redacted] at the address he provided in his January 21st call to us. Our client states this amount remains as a past due collection item on their records. Our client stated that he may have paid the hospital but when patients come through the door that separates the hospital and Digestive & Liver Disease Consultants it becomes a different provider. This bill is for our client and not for the hospital. Also, our client states: “Per his benefits with insurance company he has a $150.00 copay to the doctor for any operating procedure”. We have notified the credit reporting bureaus to mark this as a disputed debt.If [redacted] can provide proof of the payment he states he paid to our client, Digestive & Liver Disease Consultants,  I ask that he send a copy of that proof to us. He may contact me if he has any questions. I will assist him in any way I can regarding this account.   [redacted]Tell us why here...

Our client, [redacted], has assigned two accounts owed by Ms. [redacted]. The first was assigned on December 20, 2011 and the second on February 4, 2013. We mailed our required first notice, informing her of her rights, for both accounts one day after they were assigned. Our letters were...

not returned by the Post Office as undeliverable and we did not receive a response from Ms. [redacted] on either account. We mailed several more letters with the same non results on both accounts.   On January 3, 2017, we received a letter of dispute from her on account #[redacted] and on January 4, 2017 we received a letter of dispute from her on account #[redacted]. We mailed proper validation on January 26, 2017, on both accounts. We reported both accounts to the national credit repositories as disputed accounts.   On January 23, 2017, we responded through the EOscar system to her dispute filed with Equifax.   On March 27, 2017, we received notification that Ms. [redacted] had filed a complaint against us with the Consumer Financial Protection Bureau (CFPB). In that complaint, she stated we had “talked to a third party about my debt—3rd party has personal information regarding my health such as procedures and exams performed by my Healthcare providers. According to HIPPA this is a violation.”  We responded to the CFPB that we did not disclose any information about Ms. [redacted]’s accounts to a third party. We explained we have never spoken with anyone, a third party or Ms. [redacted], about her accounts. We stated we mailed validation of the accounts to her address only, as required by law, after receiving her dispute letters.   On April 7, 2017, we received a second dispute letter from Ms. [redacted] regarding all her accounts. We mailed her a copy of the first validation response on May 2, 2017.   On April 12, 2017, we responded through the EOscar system to her dispute filed with TransUnion on account # [redacted]   On April 13, 2017, we responded through the EOscar system to her dispute filed with Equifax on both of these accounts.   Even though both of our previous validation letters have been mailed to the same address she shows on the Revdex.com complaint, we will re-mail the paperwork to her once again.    If Ms. [redacted] would like to contact me directly, I can be reached at ###-###-####, Monday-Friday, 7:45 to 4:30 CST. I will assist her any way I can to resolve this issue.   Regards, [redacted] Chief Operating Officer

Complaint: [redacted]
The provided web URL goes to an ERROR page. Please test it on your end and send me a valid link.
Regards,
[redacted]

As I stated in our response, we were notified by the Post Office that the address we had was not a valid address. I also stated we attempted to make contact by phone but no one ever answered the phone. We are not allowed to leave a message because of the nature of the call.   If Mr. [redacted] would like to resolve this and have it removed from the credit file, he can contact our office to make payment or pay on our website ([redacted]).   Regards, [redacted] Chief Operating Officer Tell us why here...

I am sorry you are having a problem. I have tested on our end and it is working correctly. We have received numerous payments already today through this site. Please retry. You can go straight to the payment portal page at “mpbcredit.com/pay” or you can go to our company website “mpbcredit.com” and click on the button “PAY ON LINE NOW” to get to the portal payment.   If you are unable to pay on line please call me at ###-###-####.   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.
Although, I must admit my mistake. I inadvertently keyed in the wrong address. The address to respond to is  [redacted]
 
[redacted] My deepest apologies.
Regards,
[redacted]

Revdex.com-[redacted]  3445121  10-29-15Mr. [redacted] called me yesterday. After discussing the
situation, I instructed him on what information and documents I would need from
him in order to determine this is a case of identity theft. He agreed to send
me that information. I told him once I receive the information I will review
and determine if this account should be removed from his credit file.After receiving the “rejection” comments this morning from
him through the Revdex.com site, I called him. He said he had responded to my answer
before speaking with me on the phone yesterday. We have agreed to continue with
the process of determining this is an identity theft situation.[redacted]Tell us why here...

Complaint: [redacted]
I am rejecting this response because: I have never received a validation of debt letter nor the original contract as requesting which would identify who Merchant and Professionals is and what creditor they represent or bought this debt from. I have yet to receive any thing from this company. I don't recall ever getting a call and if there was one made in 2012, I am sure I requested a validation letter and the original contract which was never sent. I am asking that the contract with my signature and the validation of letter be sent immediately via certified mail or remove the inquiry from all three credit bureaus. I will provide my address below.
Regards,
[redacted]

Revdex.com-[redacted]  [redacted]  7-19-2016   Case #[redacted]   First, in Ms. [redacted]’s previous complaint that she placed with the Revdex.com on 7/5/16 she stated she was not the correct party and had never had services with our client. Since we were unable to confirm if she was the correct...

party we removed the item from her credit file.   Her current complaint is regarding a different client. We have never “removed” this account from the credit file. Ms. [redacted] has issued multiple inquires through the EOscar system attempting to get this account removed.  We have responded to each of those inquiries verifying the account information so it would continue to report.  This account was reported to the national credit bureaus for the first time on March 8, 2011. We answered EOscar notifications on June 7, 2013, August 5, 2013, December 12, 2014, January 16, 2015, May 21, 2015, August 17, 2015, September 4, 2015, November 2, 2015, and the last one (so far) December 15, 2015 all to Equifax.   Our client assigned this account for collections on December 28, 2010. We mailed our first required notice on December 29, 2010 informing her of her rights. The letter was not mail returned and Ms. [redacted] did not respond. Two more letters were mailed with the same results. We made phone contact with Ms. [redacted] on January 27, 2011 at which time our representative gave her the required mini-miranda. Ms. [redacted] did not dispute the debt during the phone call and she did not make arrangements to pay. Three more letters were mailed over a two month period. We had no response from Ms. [redacted] and our letters were not returned as undeliverable by the Post Office.       ON April 10, 2015, 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.   As I stated earlier, we have never removed this account from credit reporting. When we received the first EOscar inquiry we marked the account to report as a “disputed” item. We will continue to report the account to all three national credit bureaus as a disputed collection account.   We have obtained validation of the account from our client and will mail it to the address shown on the Revdex.com complaint.   Just for the record, an account could be removed and then re-reported under certain circumstances. It is not “illegal”.   If Ms. [redacted] would like any additional information I can be reached at [redacted] Monday through Friday 7:45 to 4:30 CST.     Tell us why here...

Complaint: [redacted] The address you have is absolutely wrong. If your business checks either the USPS or google maps that would tell you right away that its not a valid address. My address is [redacted] and not "[redacted]", I had to deal with unnecessary trauma of bad credit remarks on my report and waste my time calling multiple people because of a mistake either by you or your client. Your agency should have at least tried to call me and I hope you might have my right telephone number. What is the best course of action?     
Regards,
[redacted]