Not sure which number is the work phone; doesn't look like we have it listed Of the accounts that consumer owes, it looks like we just have her cell, home and husband's cell Please identify what your work number is and we'll remove it (if we have it).For you troubles, we'd like to offer you a discount on the accounts you owe The total for Carondelet Ortho, Mid-America Surgery, Novamed Surgery and College Park Family Care is $ I am authorized to offer you a 20% discount, leaving a total of only $909.13, and I'll make this good until March 9th.If you'd like to do this, please contact [redacted] at ###-###-#### and reference # [redacted] I've provided all the authorization for this in your account notes.Again, we apologize for what you feel occurred Please accept this generous discount as our way of apologizing.RSH Management
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: Thank you for the prompt responseHowever, I have never received a dunning notice from RSH & AssociatesThe only contact I have had was via telephoneThese are medical collections and appear on my credit report from [redacted] which one can infer what type of service is being offered, which is a HIPPA violationIn addition, Mr [redacted] asked "was there an error in receiving notices" I advised that there is an issue with the mailIf the conversation is recorded this would be evidentIt is not against Federal Law to exclude a collection entry from [redacted] The collection agency reserves the right to report or notIt is however against federal law to report inaccuratelyAgain, the acceptable resolution would be to remove the paid medical collections from [redacted] Thank you Regards, [redacted] ***
Per the Federal Doctrine of Necessaries, both spouses are liable for debt incurred while they're married Missouri adheres to this: Missouri Rule applies equally to both spouses RSH has sent multiple notices to the couple about their debts due, as have both our clients These folks owe two bills to two different clients from a DOS 1/years ago, 2/11/ Neither one of these are hospital bills that they suggested they may already be paying on One is for the physician charges and the other is for lab charges The total that is owed is $795.40.While there is no disputing that this debt is owed by both folks, if consumers call in by 4PM on Wednesday, 9/28/16, and pay-by-phone the $in full, RSH will remove these debts from both spouses' credit bureau reports RSH takes MC, VA or Discover for their convenience They can call ###-###-#### or ###-###-####.If they do not pay the balance in full by 9/28/16, payments will be applied to their past due balances Their credit bureau reports will be kept updated with each payment made, however, Federal Law allows the continued reporting to their credit bureau reports, even if they do eventually get paid in full.If the consumers wish to have these removed from their credit bureau reports, they need to choose to pay these balances in full by 9/28/by calling ###-###-#### or ###-###-####
RESPONDED TO [redacted] ABOUT ACCT PER THEIR BBB NOTIFICATION. [redacted] HAD DISPUTED ACCT BECAUSE IT WAS ON HER ***. HER DISPUTE STATES THAT THIS ACCT WAS NEVER LATE, ACCT WAS PAID AS AGREED. MS ADMITTED THAT... SHE PUT THIS ON HER BANKRUPTCY, I TOLD HER THAT WE WILL REFLECT THIS BANKRUPTCY THE NEXT TIME WE REPORT TO ***, BUT IF SHE KEEPS DISPUTING IT WILL REFLECT AS A DISPUTE NOT A BANKRUPTCY.
After receiving an account in November of for [redacted] , RSH&Associates spent an entire year attempting to resolve the account with Ms [redacted] Ms [redacted] did not return calls, or respond to mail in that year The first conversation with Ms [redacted] was in December of 2016, at which time Ms [redacted] asked the collector to call her cell number The collector noted this request and only attempted calling at the cell number until April On 04/27/Ms [redacted] 's account had been put in a legal status for resolution Since specified remedies were being requested, RSH&Associates followed FDCPA Sec (c)(2) which provides guidlines for contacting a debtor to inform about specified remedies RSH&Associates believes it is in the best interest for consumers to make decisions about their debts with all the available information possible In this case, the opportunity to work to resolve a debt without the involvement of the court, where a debt would only increase in cost The collector attempted to contact Ms [redacted] at both numbers listed on her account When contacted, Ms [redacted] was not concerned about her status and hung up on the collector, then called back asking for a supervisor A supervisor spoke to Ms [redacted] and reiterated the status of the account and offered to work with her to find resolution Ms [redacted] dismissed any attempt to work together for resolution and hung up on the supervisor as well RSH&Associates followed Federal Law, and made every attempt to work with Ms [redacted] to resolve her debt
[redacted] has multiple unpaid ***s from multiple creditors from dates of service 7/21/through 9/18/ Two of these, DOS 7/21/& 5/5/10, [redacted] was the patient Dates of service 9/21/10, 8/21/11, 1/06/& 9/18/ [redacted] was the patient The total of all these ***s is $ The way the law reads is if [redacted] and [redacted] were married when [redacted] was the patient, it's considered a 'marital' debt and both spouses are liable for the *** Even if they're separated, but still legally married, then both spouses are liable [redacted] would have to prove that he and [redacted] were not legally married on 7/21/and 5/5/for him NOT to be liable for these charges As the clients gave us ***'s name and ***'s name as her spouse, it indicates that [redacted] and [redacted] were married on these dates.With regards to HIPAA, this pertains to procedures only, not financial obligations If we had told [redacted] procedure codes for ***, without her permission, this would be a violation of HIPAA However, as the clients do not provide RSH with procedures, there's no way we could have given procedures to [redacted] as we do not know them As such, no violation of HIPAA occurred As these debts range from months old all the way to nearly years old, RSH management is willing to discount the total of these unpaid ***s by 20%,, if [redacted] can pay by 1:00PM, March 11, A 20% discount reduces the total owed to just $ If [redacted] can pay by 3PM on Monday, March 7, 2016, RSH management will also approve removing these debts from ***'s credit bureau report.To take advantage of this great discount and, potentially, remove them from your credit please call ###-###-#### and one of our professional representatives will help you RSH accepts Mastercard, Visa, Discover or Check By Phone; whichever is most convenient for you Again, pay by 3/7/at 3:00PM to receive the $discount and also have these accounts removed from your credit bureau Or, pay by 1:00PM on 3/11/to at least receive the discount of $ The choice is totally yours
Per FDCPA
(FAIR DEBT COLLECTIONS PRACTICES
ACT), 1692a(3): The term 'consumer' means any
natural person obligated or allegedly obligated to pay any debtPer 1692c(d):
...the term 'consumer' includes the consumer's spouse, parent (if the consumer
is a minor), guardian, executor or administratorPer 1692a(5): The term 'debt'
means any obligation or alleged obligation of a consumer to pay money arising
out of a transaction in which the money, property, insurance or service which
are the subject of the transaction are primarily for personal, family or
household purposes, whether or not such obligation has been reduced to
judgment
As shown
above, per the law, the spouse is also liable for the other spouse's debtsAs
such, the payment of such debts and the credit reporting of the debt (paid or
unpaid) shall reflect on both spouses' credit bureau reportWe have shown consistent 'mail in' payments from consumer. As such, we've not spoken to anyone regarding this account since Feb2015. The 'rude' person that keeps calling must be from another agency.The credit bureau for both guarantors has been updated monthly to reflect payments received.
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Assumed Answered]
Complaint: ***
I am rejecting this response because: Incorrect information. All those charges were voluntary by my wife, not as a result of any medical necessity. There was no double mastectomy and her cancer was years ago in 1997. *** ***
Bill is actually from a company that RSH works with, SYMED. Consumer rec'd services from SYMED, based out of Chicago, IL, on 11/13/14. They are also known as Miomed Orthopedics. Balance owed SYMED for their services was 201.14. This is the amount consumer is seeing on his
CBR.I've instructed a representative to call Mr*** today to review details. For the confusion that consumer has had with this bill, we will delete this line item on his credit bureau report for payment in full. Should our representative not be able to reach Mr***, Mrmay call back at ###-###-#### or ###-###-#### or Toll Free at ###-###-####.Thank you
In referencing account #***, the date of service on this account was July 29, and was assigned to RSH on Sept2, 2011. From Sept2, to current, RSH made no less than phone attempts and mailed letters. During the phone attempts, we did make several contacts with
the consumer. She said she was busy and would call back. Another time she requested another notice, which we sent. And, on a number of occasions, she hung up the phone on us when we tried to discuss the ***. Additionally, there was no indication from the post office that the mail was not being received. All of this activity has been electronically logged and phone calls have been recorded
Referencing ***, the date of service on this account was July 2, and the account was assigned to RSH on 12/27/13. From Dec27th to the present, we made phone attempts and mailed several letters. Again, all these records have been electronically recorded and calls have been recorded
Consumer has had ample opportunity to pay her debts in a timely manner. She needs to understand that it is against federal law for RSH to remove these debts from the credit bureau due to payment, or to entice payment. Furthermore, had consumer made arrangements to pay either of these debts in full within the first days after assignment to RSH, there would have been no credit bureau reporting as it's our policy to wait days from assignment before any accounts are reported
RSH cannot arbitrarily remove *** debts from the credit bureau
As far is RSH is concerned, this case will be considered to be 'closed'
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Assumed Answered]
Complaint: ***
I am rejecting this response because: I asked them in December to NOT call me at my job, to send me the paper work on the debt I was being sued onI have yet to receive it I got another call at work in April and it's May and still no paperworkSo they called the second time and still haven't provided me with the documentation I am going forward with notifying the Attorney General's Office, the Federal Trade Commission and the Consumer Financial Protection BureauI have no clue what the debt is because I have not received a statement that I asked for in DecemberThis sounds like a threat to me and continuing to call me is harassment at my place of employment I have given them more than enough time to provide documentation of the debt and or legal action
Regards,
*** ***
Thank you for the prompt responseHowever, I have never received a
dunning notice from RSH & Associates*** only requires that an attempt be made. On both accounts, neither was returned as 'non-deliverable' by the post office. The only contact I have had
was via telephoneThese are medical collections and appear on my credit
report from *** *** *** *** which one can infer what type of
service is being offered, which is a HIPPA violationIt's not HIPPA, it's HIPAA and your opinion is not correct. The law requires that no indication of the type of services be disclosed to any 3rd party. *** knows that this listing is not a violation or they would not list it. In addition, Mr
*** asked "was there an error in receiving notices" I advised that
there is an issue with the mailDid you advise the clients that you were not receiving their notices to the same address that we sent our dunning notice to? For ***, you had months before the account was assigned to RSH to correct / pay your balance due. With ***, you had nearly months. If the conversation is recorded this
would be evidentAgain, the law requires that we make an 'attempt' to send a dunning notice. We've documented on both of your accounts that this was done and no indication of mail return from the post office for either notice. It is not against Federal Law to exclude a collection
entry from ***The collection agency reserves the right to report
or notYour opinion is incorrect, againThe CLIENTS determine if they want the debt that is owed to them reported to the credit bureau. It is however against federal law to report inaccuratelyThis is correct. RSH has verified with both clients on 8/12/and on 9/23/that the account information was correct and reported it back to the credit bureau. Again,
the acceptable resolution would be to remove the paid medical
collections from ***Thank you. IT IS AGAINST THE LAW TO REMOVE VALID / RE-VERIFIED DEBTS FROM THE CREDIT BUREAU. Both clients have agreed individually that these debts were owed by you to them. As they were not paid timely to each of them, they were placed with RSH for collection and credit bureau reporting
*** *** tried to contact Mr *** by leaving messages on the two phone numbers provided to RSH&Associates by our client. On 05/22/Mr *** returned the call. Mr *** told *** *** that he is aware of the bill and will pay the client. Mr *** went on to to
tell Mr *** to cease desist efforts to collect this bill. Mr *** said OK and then ended the call. As Mr *** has stated, he is a debt collector, therefore not an unsophisticated consumer. He would also have knowledge of collection laws. It is RSH&Associates intention to act with an abundance of caution. Mr *** attempts to contact RSH after telling RSH to cease and desist. We have heard of these traps taking place. In Mr ***'s Desired Settlement, he wants our company to cease and desist from contacting him through mail or phone, but wants to now dispute his debt. Disputes infer the consumer receiving communication about the debt from the collection agency, but since the debtor, Mr ***, has said not to contact him, we will confirm the information and use the proper dispute code for the credit report to reflect the verification of information. If Mr *** wishes to receive information about his debt from RSH&Associates, he can write a letter to RSH&Associates and rescind his cease and desist
Consumer has sent us a Cease & Desist request and then asked us to respond. Not sure if he is attempting to 'trap' us, or not, but once we receive a C&D we cannot contact him per federal law.The three charges are for when his wife had a colonoscopy, a Psychiatric Associates of KC
charge, and lastly a breast reconstruction from breast cancer double mastectomy. As the services occurred while they're both married, and none are 'voluntary / elective' charges, federal law indicates that both husband and wife are responsible for these debts and will remain on both CBRs.These charges total $and have & year old dates of service and are still due in Full. However to help consumer out, as these accounts are all so old, we will discount them 20% or $for a SIF amount of just $and will honor this discount if paid by 5/13/
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:
*** *** is the person that constantly calls the house but will not leave a message on the answering machine anymore.; the calls are not from another agency. I also received as I stated a letter from RSH addressed to me demanding payment in full when *** has never missed a payment since making the promise to pay a monthly amount of $on this account. No; he hasn't missed a payment and it didn't reflect on the credit report I received nor on ***'s report. I left a message for *** *** to call me the same day I initiated filing a claim with Revdex.com but he has not returned my call as of yet. He is always rude when he does call and so demanding and tells us he will continue to call as long as there is an outstanding balance. He calls but won't leave a message on answering machine if no one answers but we do have called ID. Even though account is in ***'s name; it should not reflect on mine if I didn't sign anything and neither was the insurance in my name. I do not work either so the payments will continue on time each month until the balance is paid in full. We could have filed bankruptcy and not had to worry about this but we are doing as promised but *** *** was still being a butt hole.
Regards,
*** ***
Not sure which number is the work phone; doesn't look like we have it listed. Of the 4 accounts that consumer owes, it looks like we just have her cell, home and husband's cell. Please identify what your work number is and we'll remove it (if we have it).For you troubles, we'd like to...
offer you a discount on the 4 accounts you owe. The total for Carondelet Ortho, Mid-America Surgery, Novamed Surgery and College Park Family Care is $1136.41. I am authorized to offer you a 20% discount, leaving a total of only $909.13, and I'll make this good until March 9th.If you'd like to do this, please contact [redacted] at ###-###-#### and reference #[redacted]. I've provided all the authorization for this in your account notes.Again, we apologize for what you feel occurred. Please accept this generous discount as our way of apologizing.RSH Management
[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:
Thank you for your response. No need to be condescending in my inadvertent typographical error for HIPAA. I am still asserting that I had never received a dunning notice from your agency. I would also like to know what statute or code states that it is illegal for a company to cease reporting an entry to any credit bureau. It appears we have reached an impasse.
Regards,
[redacted]
After receiving an account in November of 2015 for [redacted], RSH&Associates spent an entire year attempting to resolve the account with Ms [redacted]. Ms [redacted] did not return calls, or respond to mail in that year. The first conversation with Ms [redacted] was in December of 2016,...
at which time Ms [redacted] asked the collector to call her cell number. The collector noted this request and only attempted calling at the cell number until April 2017. On 04/27/2017 Ms [redacted]'s account had been put in a legal status for resolution. Since specified remedies were being requested, RSH&Associates followed FDCPA Sec 805 (c)(2) which provides guidlines for contacting a debtor to inform about specified remedies. RSH&Associates believes it is in the best interest for consumers to make decisions about their debts with all the available information possible. In this case, the opportunity to work to resolve a debt without the involvement of the court, where a debt would only increase in cost. The collector attempted to contact Ms [redacted] at both numbers listed on her account. When contacted, Ms [redacted] was not concerned about her status and hung up on the collector, then called back asking for a supervisor. A supervisor spoke to Ms [redacted] and reiterated the status of the account and offered to work with her to find resolution. Ms [redacted] dismissed any attempt to work together for resolution and hung up on the supervisor as well. RSH&Associates followed Federal Law, and made every attempt to work with Ms [redacted] to resolve her debt.
[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:
Thank you for the prompt response. However, I have never received a dunning notice from RSH & Associates. The only contact I have had was via telephone. These are medical collections and appear on my credit report from [redacted] which one can infer what type of service is being offered, which is a HIPPA violation. In addition, Mr. [redacted] asked "was there an error in receiving notices" I advised that there is an issue with the mail. If the conversation is recorded this would be evident. It is not against Federal Law to exclude a collection entry from [redacted]. The collection agency reserves the right to report or not. It is however against federal law to report inaccurately. Again, the acceptable resolution would be to remove the paid medical collections from [redacted]. Thank you.
Regards,
[redacted]
[redacted] has multiple unpaid [redacted]s from multiple creditors from dates of service 7/21/09 through 9/18/15. Two of these, DOS 7/21/09 & 5/5/10, [redacted] was the patient. Dates of service 9/21/10, 8/21/11, 1/06/15 & 9/18/15 [redacted] was the patient. The total of all these [redacted]s is...
$3478.69. The way the law reads is if [redacted] and [redacted] were married when [redacted] was the patient, it's considered a 'marital' debt and both spouses are liable for the [redacted]. Even if they're separated, but still legally married, then both spouses are liable. [redacted] would have to prove that he and [redacted] were not legally married on 7/21/09 and 5/5/10 for him NOT to be liable for these charges. As the clients gave us [redacted]'s name and [redacted]'s name as her spouse, it indicates that [redacted] and [redacted] were married on these dates.With regards to HIPAA, this pertains to procedures only, not financial obligations. If we had told [redacted] procedure codes for [redacted], without her permission, this would be a violation of HIPAA. However, as the clients do not provide RSH with procedures, there's no way we could have given procedures to [redacted] as we do not know them. As such, no violation of HIPAA occurred. As these debts range from 5 months old all the way to nearly 7 years old, RSH management is willing to discount the total of these unpaid [redacted]s by 20%,, if [redacted] can pay by 1:00PM, March 11, 2016. A 20% discount reduces the total owed to just $2782.95. If [redacted] can pay by 3PM on Monday, March 7, 2016, RSH management will also approve removing these debts from [redacted]'s credit bureau report.To take advantage of this great discount and, potentially, remove them from your credit please call ###-###-#### and one of our professional representatives will help you. RSH accepts Mastercard, Visa, Discover or Check By Phone; whichever is most convenient for you. Again, pay by 3/7/16 at 3:00PM to receive the $695.74 discount and also have these accounts removed from your credit bureau. Or, pay by 1:00PM on 3/11/16 to at least receive the discount of $695.74. The choice is totally yours.
Not sure which number is the work phone; doesn't look like we have it listed Of the accounts that consumer owes, it looks like we just have her cell, home and husband's cell Please identify what your work number is and we'll remove it (if we have it).For you troubles, we'd like to offer you a discount on the accounts you owe The total for Carondelet Ortho, Mid-America Surgery, Novamed Surgery and College Park Family Care is $ I am authorized to offer you a 20% discount, leaving a total of only $909.13, and I'll make this good until March 9th.If you'd like to do this, please contact [redacted] at ###-###-#### and reference # [redacted] I've provided all the authorization for this in your account notes.Again, we apologize for what you feel occurred Please accept this generous discount as our way of apologizing.RSH Management
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: Thank you for the prompt responseHowever, I have never received a dunning notice from RSH & AssociatesThe only contact I have had was via telephoneThese are medical collections and appear on my credit report from [redacted] which one can infer what type of service is being offered, which is a HIPPA violationIn addition, Mr [redacted] asked "was there an error in receiving notices" I advised that there is an issue with the mailIf the conversation is recorded this would be evidentIt is not against Federal Law to exclude a collection entry from [redacted] The collection agency reserves the right to report or notIt is however against federal law to report inaccuratelyAgain, the acceptable resolution would be to remove the paid medical collections from [redacted] Thank you Regards, [redacted] ***
Per the Federal Doctrine of Necessaries, both spouses are liable for debt incurred while they're married Missouri adheres to this: Missouri Rule applies equally to both spouses RSH has sent multiple notices to the couple about their debts due, as have both our clients These folks owe two bills to two different clients from a DOS 1/years ago, 2/11/ Neither one of these are hospital bills that they suggested they may already be paying on One is for the physician charges and the other is for lab charges The total that is owed is $795.40.While there is no disputing that this debt is owed by both folks, if consumers call in by 4PM on Wednesday, 9/28/16, and pay-by-phone the $in full, RSH will remove these debts from both spouses' credit bureau reports RSH takes MC, VA or Discover for their convenience They can call ###-###-#### or ###-###-####.If they do not pay the balance in full by 9/28/16, payments will be applied to their past due balances Their credit bureau reports will be kept updated with each payment made, however, Federal Law allows the continued reporting to their credit bureau reports, even if they do eventually get paid in full.If the consumers wish to have these removed from their credit bureau reports, they need to choose to pay these balances in full by 9/28/by calling ###-###-#### or ###-###-####
RESPONDED TO [redacted] ABOUT ACCT PER THEIR BBB NOTIFICATION. [redacted] HAD DISPUTED ACCT BECAUSE IT WAS ON HER ***. HER DISPUTE STATES THAT THIS ACCT WAS NEVER LATE, ACCT WAS PAID AS AGREED. MS ADMITTED THAT... SHE PUT THIS ON HER BANKRUPTCY, I TOLD HER THAT WE WILL REFLECT THIS BANKRUPTCY THE NEXT TIME WE REPORT TO ***, BUT IF SHE KEEPS DISPUTING IT WILL REFLECT AS A DISPUTE NOT A BANKRUPTCY.
After receiving an account in November of for [redacted] , RSH&Associates spent an entire year attempting to resolve the account with Ms [redacted] Ms [redacted] did not return calls, or respond to mail in that year The first conversation with Ms [redacted] was in December of 2016, at which time Ms [redacted] asked the collector to call her cell number The collector noted this request and only attempted calling at the cell number until April On 04/27/Ms [redacted] 's account had been put in a legal status for resolution Since specified remedies were being requested, RSH&Associates followed FDCPA Sec (c)(2) which provides guidlines for contacting a debtor to inform about specified remedies RSH&Associates believes it is in the best interest for consumers to make decisions about their debts with all the available information possible In this case, the opportunity to work to resolve a debt without the involvement of the court, where a debt would only increase in cost The collector attempted to contact Ms [redacted] at both numbers listed on her account When contacted, Ms [redacted] was not concerned about her status and hung up on the collector, then called back asking for a supervisor A supervisor spoke to Ms [redacted] and reiterated the status of the account and offered to work with her to find resolution Ms [redacted] dismissed any attempt to work together for resolution and hung up on the supervisor as well RSH&Associates followed Federal Law, and made every attempt to work with Ms [redacted] to resolve her debt
[redacted] has multiple unpaid ***s from multiple creditors from dates of service 7/21/through 9/18/ Two of these, DOS 7/21/& 5/5/10, [redacted] was the patient Dates of service 9/21/10, 8/21/11, 1/06/& 9/18/ [redacted] was the patient The total of all these ***s is $ The way the law reads is if [redacted] and [redacted] were married when [redacted] was the patient, it's considered a 'marital' debt and both spouses are liable for the *** Even if they're separated, but still legally married, then both spouses are liable [redacted] would have to prove that he and [redacted] were not legally married on 7/21/and 5/5/for him NOT to be liable for these charges As the clients gave us ***'s name and ***'s name as her spouse, it indicates that [redacted] and [redacted] were married on these dates.With regards to HIPAA, this pertains to procedures only, not financial obligations If we had told [redacted] procedure codes for ***, without her permission, this would be a violation of HIPAA However, as the clients do not provide RSH with procedures, there's no way we could have given procedures to [redacted] as we do not know them As such, no violation of HIPAA occurred As these debts range from months old all the way to nearly years old, RSH management is willing to discount the total of these unpaid ***s by 20%,, if [redacted] can pay by 1:00PM, March 11, A 20% discount reduces the total owed to just $ If [redacted] can pay by 3PM on Monday, March 7, 2016, RSH management will also approve removing these debts from ***'s credit bureau report.To take advantage of this great discount and, potentially, remove them from your credit please call ###-###-#### and one of our professional representatives will help you RSH accepts Mastercard, Visa, Discover or Check By Phone; whichever is most convenient for you Again, pay by 3/7/at 3:00PM to receive the $discount and also have these accounts removed from your credit bureau Or, pay by 1:00PM on 3/11/to at least receive the discount of $ The choice is totally yours
Per FDCPA
(FAIR DEBT COLLECTIONS PRACTICES
ACT), 1692a(3): The term 'consumer' means any
natural person obligated or allegedly obligated to pay any debtPer 1692c(d):
...the term 'consumer' includes the consumer's spouse, parent (if the consumer
is a minor), guardian, executor or administratorPer 1692a(5): The term 'debt'
means any obligation or alleged obligation of a consumer to pay money arising
out of a transaction in which the money, property, insurance or service which
are the subject of the transaction are primarily for personal, family or
household purposes, whether or not such obligation has been reduced to
judgment
As shown
above, per the law, the spouse is also liable for the other spouse's debtsAs
such, the payment of such debts and the credit reporting of the debt (paid or
unpaid) shall reflect on both spouses' credit bureau reportWe have shown consistent 'mail in' payments from consumer. As such, we've not spoken to anyone regarding this account since Feb2015. The 'rude' person that keeps calling must be from another agency.The credit bureau for both guarantors has been updated monthly to reflect payments received.
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Assumed Answered]
Complaint: ***
I am rejecting this response because: Incorrect information. All those charges were voluntary by my wife, not as a result of any medical necessity. There was no double mastectomy and her cancer was years ago in 1997. *** ***
Bill is actually from a company that RSH works with, SYMED. Consumer rec'd services from SYMED, based out of Chicago, IL, on 11/13/14. They are also known as Miomed Orthopedics. Balance owed SYMED for their services was 201.14. This is the amount consumer is seeing on his
CBR.I've instructed a representative to call Mr*** today to review details. For the confusion that consumer has had with this bill, we will delete this line item on his credit bureau report for payment in full. Should our representative not be able to reach Mr***, Mrmay call back at ###-###-#### or ###-###-#### or Toll Free at ###-###-####.Thank you
In referencing account #***, the date of service on this account was July 29, and was assigned to RSH on Sept2, 2011. From Sept2, to current, RSH made no less than phone attempts and mailed letters. During the phone attempts, we did make several contacts with
the consumer. She said she was busy and would call back. Another time she requested another notice, which we sent. And, on a number of occasions, she hung up the phone on us when we tried to discuss the ***. Additionally, there was no indication from the post office that the mail was not being received. All of this activity has been electronically logged and phone calls have been recorded
Referencing ***, the date of service on this account was July 2, and the account was assigned to RSH on 12/27/13. From Dec27th to the present, we made phone attempts and mailed several letters. Again, all these records have been electronically recorded and calls have been recorded
Consumer has had ample opportunity to pay her debts in a timely manner. She needs to understand that it is against federal law for RSH to remove these debts from the credit bureau due to payment, or to entice payment. Furthermore, had consumer made arrangements to pay either of these debts in full within the first days after assignment to RSH, there would have been no credit bureau reporting as it's our policy to wait days from assignment before any accounts are reported
RSH cannot arbitrarily remove *** debts from the credit bureau
As far is RSH is concerned, this case will be considered to be 'closed'
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Assumed Answered]
Complaint: ***
I am rejecting this response because: I asked them in December to NOT call me at my job, to send me the paper work on the debt I was being sued onI have yet to receive it I got another call at work in April and it's May and still no paperworkSo they called the second time and still haven't provided me with the documentation I am going forward with notifying the Attorney General's Office, the Federal Trade Commission and the Consumer Financial Protection BureauI have no clue what the debt is because I have not received a statement that I asked for in DecemberThis sounds like a threat to me and continuing to call me is harassment at my place of employment I have given them more than enough time to provide documentation of the debt and or legal action
Regards,
*** ***
Thank you for the prompt responseHowever, I have never received a
dunning notice from RSH & Associates*** only requires that an attempt be made. On both accounts, neither was returned as 'non-deliverable' by the post office. The only contact I have had
was via telephoneThese are medical collections and appear on my credit
report from *** *** *** *** which one can infer what type of
service is being offered, which is a HIPPA violationIt's not HIPPA, it's HIPAA and your opinion is not correct. The law requires that no indication of the type of services be disclosed to any 3rd party. *** knows that this listing is not a violation or they would not list it. In addition, Mr
*** asked "was there an error in receiving notices" I advised that
there is an issue with the mailDid you advise the clients that you were not receiving their notices to the same address that we sent our dunning notice to? For ***, you had months before the account was assigned to RSH to correct / pay your balance due. With ***, you had nearly months. If the conversation is recorded this
would be evidentAgain, the law requires that we make an 'attempt' to send a dunning notice. We've documented on both of your accounts that this was done and no indication of mail return from the post office for either notice. It is not against Federal Law to exclude a collection
entry from ***The collection agency reserves the right to report
or notYour opinion is incorrect, againThe CLIENTS determine if they want the debt that is owed to them reported to the credit bureau. It is however against federal law to report inaccuratelyThis is correct. RSH has verified with both clients on 8/12/and on 9/23/that the account information was correct and reported it back to the credit bureau. Again,
the acceptable resolution would be to remove the paid medical
collections from ***Thank you. IT IS AGAINST THE LAW TO REMOVE VALID / RE-VERIFIED DEBTS FROM THE CREDIT BUREAU. Both clients have agreed individually that these debts were owed by you to them. As they were not paid timely to each of them, they were placed with RSH for collection and credit bureau reporting
*** *** tried to contact Mr *** by leaving messages on the two phone numbers provided to RSH&Associates by our client. On 05/22/Mr *** returned the call. Mr *** told *** *** that he is aware of the bill and will pay the client. Mr *** went on to to
tell Mr *** to cease desist efforts to collect this bill. Mr *** said OK and then ended the call. As Mr *** has stated, he is a debt collector, therefore not an unsophisticated consumer. He would also have knowledge of collection laws. It is RSH&Associates intention to act with an abundance of caution. Mr *** attempts to contact RSH after telling RSH to cease and desist. We have heard of these traps taking place. In Mr ***'s Desired Settlement, he wants our company to cease and desist from contacting him through mail or phone, but wants to now dispute his debt. Disputes infer the consumer receiving communication about the debt from the collection agency, but since the debtor, Mr ***, has said not to contact him, we will confirm the information and use the proper dispute code for the credit report to reflect the verification of information. If Mr *** wishes to receive information about his debt from RSH&Associates, he can write a letter to RSH&Associates and rescind his cease and desist
Consumer has sent us a Cease & Desist request and then asked us to respond. Not sure if he is attempting to 'trap' us, or not, but once we receive a C&D we cannot contact him per federal law.The three charges are for when his wife had a colonoscopy, a Psychiatric Associates of KC
charge, and lastly a breast reconstruction from breast cancer double mastectomy. As the services occurred while they're both married, and none are 'voluntary / elective' charges, federal law indicates that both husband and wife are responsible for these debts and will remain on both CBRs.These charges total $and have & year old dates of service and are still due in Full. However to help consumer out, as these accounts are all so old, we will discount them 20% or $for a SIF amount of just $and will honor this discount if paid by 5/13/
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:
*** *** is the person that constantly calls the house but will not leave a message on the answering machine anymore.; the calls are not from another agency. I also received as I stated a letter from RSH addressed to me demanding payment in full when *** has never missed a payment since making the promise to pay a monthly amount of $on this account. No; he hasn't missed a payment and it didn't reflect on the credit report I received nor on ***'s report. I left a message for *** *** to call me the same day I initiated filing a claim with Revdex.com but he has not returned my call as of yet. He is always rude when he does call and so demanding and tells us he will continue to call as long as there is an outstanding balance. He calls but won't leave a message on answering machine if no one answers but we do have called ID. Even though account is in ***'s name; it should not reflect on mine if I didn't sign anything and neither was the insurance in my name. I do not work either so the payments will continue on time each month until the balance is paid in full. We could have filed bankruptcy and not had to worry about this but we are doing as promised but *** *** was still being a butt hole.
Regards,
*** ***
Not sure which number is the work phone; doesn't look like we have it listed. Of the 4 accounts that consumer owes, it looks like we just have her cell, home and husband's cell. Please identify what your work number is and we'll remove it (if we have it).For you troubles, we'd like to...
offer you a discount on the 4 accounts you owe. The total for Carondelet Ortho, Mid-America Surgery, Novamed Surgery and College Park Family Care is $1136.41. I am authorized to offer you a 20% discount, leaving a total of only $909.13, and I'll make this good until March 9th.If you'd like to do this, please contact [redacted] at ###-###-#### and reference #[redacted]. I've provided all the authorization for this in your account notes.Again, we apologize for what you feel occurred. Please accept this generous discount as our way of apologizing.RSH Management
[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:
Thank you for your response. No need to be condescending in my inadvertent typographical error for HIPAA. I am still asserting that I had never received a dunning notice from your agency. I would also like to know what statute or code states that it is illegal for a company to cease reporting an entry to any credit bureau. It appears we have reached an impasse.
Regards,
[redacted]
After receiving an account in November of 2015 for [redacted], RSH&Associates spent an entire year attempting to resolve the account with Ms [redacted]. Ms [redacted] did not return calls, or respond to mail in that year. The first conversation with Ms [redacted] was in December of 2016,...
at which time Ms [redacted] asked the collector to call her cell number. The collector noted this request and only attempted calling at the cell number until April 2017. On 04/27/2017 Ms [redacted]'s account had been put in a legal status for resolution. Since specified remedies were being requested, RSH&Associates followed FDCPA Sec 805 (c)(2) which provides guidlines for contacting a debtor to inform about specified remedies. RSH&Associates believes it is in the best interest for consumers to make decisions about their debts with all the available information possible. In this case, the opportunity to work to resolve a debt without the involvement of the court, where a debt would only increase in cost. The collector attempted to contact Ms [redacted] at both numbers listed on her account. When contacted, Ms [redacted] was not concerned about her status and hung up on the collector, then called back asking for a supervisor. A supervisor spoke to Ms [redacted] and reiterated the status of the account and offered to work with her to find resolution. Ms [redacted] dismissed any attempt to work together for resolution and hung up on the supervisor as well. RSH&Associates followed Federal Law, and made every attempt to work with Ms [redacted] to resolve her debt.
[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:
Thank you for the prompt response. However, I have never received a dunning notice from RSH & Associates. The only contact I have had was via telephone. These are medical collections and appear on my credit report from [redacted] which one can infer what type of service is being offered, which is a HIPPA violation. In addition, Mr. [redacted] asked "was there an error in receiving notices" I advised that there is an issue with the mail. If the conversation is recorded this would be evident. It is not against Federal Law to exclude a collection entry from [redacted]. The collection agency reserves the right to report or not. It is however against federal law to report inaccurately. Again, the acceptable resolution would be to remove the paid medical collections from [redacted]. Thank you.
Regards,
[redacted]
[redacted] has multiple unpaid [redacted]s from multiple creditors from dates of service 7/21/09 through 9/18/15. Two of these, DOS 7/21/09 & 5/5/10, [redacted] was the patient. Dates of service 9/21/10, 8/21/11, 1/06/15 & 9/18/15 [redacted] was the patient. The total of all these [redacted]s is...
$3478.69. The way the law reads is if [redacted] and [redacted] were married when [redacted] was the patient, it's considered a 'marital' debt and both spouses are liable for the [redacted]. Even if they're separated, but still legally married, then both spouses are liable. [redacted] would have to prove that he and [redacted] were not legally married on 7/21/09 and 5/5/10 for him NOT to be liable for these charges. As the clients gave us [redacted]'s name and [redacted]'s name as her spouse, it indicates that [redacted] and [redacted] were married on these dates.With regards to HIPAA, this pertains to procedures only, not financial obligations. If we had told [redacted] procedure codes for [redacted], without her permission, this would be a violation of HIPAA. However, as the clients do not provide RSH with procedures, there's no way we could have given procedures to [redacted] as we do not know them. As such, no violation of HIPAA occurred. As these debts range from 5 months old all the way to nearly 7 years old, RSH management is willing to discount the total of these unpaid [redacted]s by 20%,, if [redacted] can pay by 1:00PM, March 11, 2016. A 20% discount reduces the total owed to just $2782.95. If [redacted] can pay by 3PM on Monday, March 7, 2016, RSH management will also approve removing these debts from [redacted]'s credit bureau report.To take advantage of this great discount and, potentially, remove them from your credit please call ###-###-#### and one of our professional representatives will help you. RSH accepts Mastercard, Visa, Discover or Check By Phone; whichever is most convenient for you. Again, pay by 3/7/16 at 3:00PM to receive the $695.74 discount and also have these accounts removed from your credit bureau. Or, pay by 1:00PM on 3/11/16 to at least receive the discount of $695.74. The choice is totally yours.