normajean Posted September 30, 2004 Report Share Posted September 30, 2004 I have written many letters demanding information from Cent. Financial Control. A little history on this account: This is a paid collection I am trying to have removed from CReports) CFC has sent the following,(Of course I ask for everything and they send me one item on my list at a time. Is there anything I can do about that? That makes me crazy! ) Usually the first response letter the CA sends is an itemized statement and nothing else, even though I have requested all documentation, I have learned in this forum, to ask for.) Here is what I requested from CFC:1. Copy of signed contract or an instrument bearing signature. CFC sent a conditions of admissions with a signature. The bottom of this document says "original")2. An itemized statement (CFC provided this)3. Explanation of benifits (They supplied this)4. Remittance and advice from blue cross (showing what the co-Pay was)5. A letter from Central Finance stating that there were two payments made on such and such date for the balance owed.There was no documentation, however, for this information, just a letter from them stating that two checks were received on such and such date in the amount of $.)I keep asking for a complete itemization of the account and the proceedures used to inform me of such an outstanding balance.They have not sent any information about records and billing statements showing first day of deliquency.I also sent a letter telling them that they were in violation for failure to list account in dispute to the CRA's. They sent this letter back.Dear Ben Dover:"Our office is in receipt of your dispute letter dated Sept 7, 2004. Upon receipt of you July 13 letter disputing and requesting validation of the aforemention account, this office updated the account to a dispute status which updates the credit reporting agencies to reflect a dispute status. My records show that I responded to your dispute request on July 20,2004.Upon receipt of the July 28th letter that this office responded to on August 9, 2004 our records show that you have now been supplied with a detailed and complete itemized statement, and explanation of benefits from your insurance carrier, a copy of the conditions of admissions signed at the time of admission and a breakdown of all payments made by your insurance carrier and yourself.( I have never seen a breakdown of payments by "yourself") I have once again attached these documents for your convenience. This office further advised you that in response to your request for proof of our authority to collect on behalf of Tenet Services, Central Financial Control is a wholly subsidiary(What the H__ does that mean?!!) of Tenet Health Services and as such has full authority to collect on their behalf.Collections ceased and the aforementioned account was placed in dispute status on July 20, 2004 and remained in dispute status until August 23, 2004. (The credit reports I received during this time does not show this account in dispute)) Having received no further dispute from you and having provided you with validation and verification of the debt, the account was removed from dispute status. (I have never stopped sending dispute letters to these A-holes__!) Your account now reflects a paid in full statusEnclosures:Itmized StatemntExplanation of BenefitsConditions of admissions__________________________________________________________ Okay, is there any recourse left? Now this has become personal. If there is anything I can do to make their lives miserable could somene let me know.?????? I can't sleep at night thinking of what I should try next. Have I lost this one???) Please excuse my lanquage but this is tame to what is going on in my head!! Extremely P.O. Link to comment Share on other sites More sharing options...
DocDon Posted September 30, 2004 Report Share Posted September 30, 2004 There's little you can do with a paid collection except to keep pestering them. They will find it easier just to delete and make you go away. Link to comment Share on other sites More sharing options...
normajean Posted September 30, 2004 Author Report Share Posted September 30, 2004 8) 8) Well I have been doing a good job at that. Is there a document C/As send to CRAs when an Item is in dispute. Can I request that document from the C/A?What is that document called. I looked at my credit reports and they have never put in in dispute as they claimed. Do you think this is a no win??? Good Grief, I hate when that happens! Thank you for your input. Link to comment Share on other sites More sharing options...
DocDon Posted September 30, 2004 Report Share Posted September 30, 2004 If they claim they did, a copy of your credit report should suffice to show that they didn't mark is as "disputed". Black out any other info and send a copy along with a copy of their letter to their state Attorney General. Link to comment Share on other sites More sharing options...
normajean Posted September 30, 2004 Author Report Share Posted September 30, 2004 Okay, I will do that. What about CAs not giving me the information on how I was billed and proceedure, ect? How am I suppose to know the first date of deliquency? Don't CRAs have to provide copies of the bills the OC sent, so I can determine when they sent them and how often, and where they sent them.This Paid collection thing seems to be the most difficult to deal with. I also took your advice and contacted the OC a month ago but they have not responded.If you are getting sick of these questions just tell me so....but do it gently!! Thank you Link to comment Share on other sites More sharing options...
breathing_easier Posted September 30, 2004 Report Share Posted September 30, 2004 This Paid collection thing seems to be the most difficult to deal with. I also took your advice and contacted the OC a month ago but they have not responded.Is the CA an agent of the OC or did the OC sell your account to the CA? If the latter, the OC really has no interest in dealing with you. They sold the account and took the tax write-off. A goodwill letter to the OC might do the trick, but you have to keep in mind that the way they look at it they took a big hit on your account. I know this because I made payment in full (through a third party ... bad, bad, bad) to who I thought was the OC. Was feeling pretty good about the fact that they would probably work with me and either update to positive or delete their negative TL since I'd paid them in full (and a lot of $$$ at that). Imagine my despair and dismay when I received a response to my goodwill letter that said, in so many words, "Hey, we sold your account to XXX Collection Agency more than two years ago. We've forwarded your letter to them. 'Bye." The only bright spot is that the CA in my case isn't reporting a TL. However, my gut feeling is that it will take a lot of blood, sweat and tears to get the OC to delete their negative TL. Link to comment Share on other sites More sharing options...
normajean Posted September 30, 2004 Author Report Share Posted September 30, 2004 Central Finacial Control states it is a wholly subsidiary of Tenet Health Services and as such has full authority to collect on their behalf.I am still confused as to what that means in English.I think my frustration lies in how difficult it is to get a paid collection. Some people go to buy a home and they just pay off everything negative on their report without looking into it first to validate the line items. There has to be some legal way to get to these people. This is becoming my mission. Ugh!! Link to comment Share on other sites More sharing options...
breathing_easier Posted September 30, 2004 Report Share Posted September 30, 2004 Central Finacial Control states it is a wholly subsidiary of Tenet Health Services and as such has full authority to collect on their behalf. I am still confused as to what that means in English.It means that your account wasn't sold, but assigned to an agent/subsidiary of the OC for collection. The good news about that is that you may have success in getting the OC to delete. I think my frustration lies in how difficult it is to get a paid collection. Some people go to buy a home and they just pay off everything negative on their report without looking into it first to validate the line items.For those who are uninformed about how credit scoring works (as we all were at one time), it would seem that the "paid" part of the TL is what FICO would take into account. Unfortunately, it's only the "collection" part that FICO cares about. Paid or unpaid is all the same. I found that out the hard way. Just as you state, I refinanced my mortgage so that I could pay off my debts and restore my peace of mind. I didn't educate myself first, just let my mortgage broker and his "team" handle all the settlements and payments...and paid a big, big price. Knowledge is power. It can also save you some big $$$ and it can keep some nasty TLs off your reports. I take full responsibility for my debt, but for the past 18 months I've been working at undoing the mess left on my credit reports by my mortgage broker and his team. They cared nothing about my credit reports or TLs. Why should they? Their bottom line was refinancing my mortgage and getting their cut. It was my responsibility to know my rights and to educate myself before I gave them carte blanche over my credit reports and my FICO score. Link to comment Share on other sites More sharing options...
normajean Posted September 30, 2004 Author Report Share Posted September 30, 2004 Yes I totally agree, but I cannot help but try to reverse the mess. I don't think a lot of people know how messed up they will be if they pay off their collections. I would hope there would be some incentive for people when they pay off charge offs and collections, but there isn't. I am going to continue to research this. I wonder if a lawyer would know how to get around this. Any case letters floating around out there?? By the way, I did send the letter to the OC. I also appreciate your clarification on the subsidiary thing. Link to comment Share on other sites More sharing options...
breathing_easier Posted September 30, 2004 Report Share Posted September 30, 2004 Yes I totally agree, but I cannot help but try to reverse the mess. I don't think a lot of people know how messed up they will be if they pay off their collections. I would hope there would be some incentive for people when they pay off charge offs and collections, but there isn't. I am going to continue to research this. I wonder if a lawyer would know how to get around this. Any case letters floating around out there??I'm also trying to "reverse the mess." However, if everything about the "paid collection" or "paid in full after chargeoff" TLs are correct, then no lawyer is going to be able to help anyone get around it. It is what it is: accurate and legal and true. That won't stop me, though, from continuing to dispute them with the CRAs, send goodwill letters, and generally be a nuisance about them. As someone mentioned in another post, they may just delete the darn things so they won't have to deal with me anymore. Sometimes negative TLs (and positive ones, too, unfortunately, as I've found out) just go *poof* suddenly after months or even years of being verified. I'm not giving up on those particular baddies, but just being realistic.There isn't always a need to be "messed up" after paying a collection as long as you get an agreement to full deletion of the negative TL as part of the agreement to pay. If I'd known two years ago what I know now, I still would have paid, but I would have been the one at the reins negotiating the payments and my TLs. Link to comment Share on other sites More sharing options...
normajean Posted September 30, 2004 Author Report Share Posted September 30, 2004 Great idea. I am with you. Let me know how you do> I'm like a bulldog, I grab something and have a hard time letting it go. Sounds like you are too. Good luck! I'll keep the pestering up on my end. Link to comment Share on other sites More sharing options...
normajean Posted September 30, 2004 Author Report Share Posted September 30, 2004 Forgot to ask you. Have you contacted the AG yet? Link to comment Share on other sites More sharing options...
breathing_easier Posted September 30, 2004 Report Share Posted September 30, 2004 Forgot to ask you. Have you contacted the AG yet?Were you talking to me? (Wasn't sure.) If so, I have nothing to contact the AG about on these particular TLs. The OCs are reporting accurate information. I don't have any CAs on my reports. Link to comment Share on other sites More sharing options...
breathing_easier Posted September 30, 2004 Report Share Posted September 30, 2004 Central Finacial Control states it is a wholly subsidiary of Tenet Health Services By the way, the term is "wholly-owned subsidiary." Just means that one company owns the other. Link to comment Share on other sites More sharing options...
DocDon Posted October 1, 2004 Report Share Posted October 1, 2004 Yup. That's the issue here. The OC owns the CA. In this case, can they get you that information? Sure - all they probably have to do is walk across the hall (it's the same company, right?).So, there should have been no problem in getting you the information you requested.And no, I don't get sick of answering questions. My only "thing" is that people use the "search" function before posting a question that has been answered in great detail in another thread. It's hard to pack 15 pages of advice / opinions into one answer. Link to comment Share on other sites More sharing options...
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