Complaints

This profile includes complaints for H & R Accounts, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

H & R Accounts, Inc. has 2 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  H & R Accounts, Inc.

  5320 22nd Ave Moline, IL 61265

  
• 

  H & R Accounts, Inc.

  4625 6th St SW Unit 2 Cedar Rapids, IA 52404-4445

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:02/27/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On May 11th 2011 I had an mri of my leg that was completed and this was paid and Payment was confirmed in a conference call with ***************************** of H and R accounts out of ****** ********. Despite this being confirmed in a conference call I continue to receive contact and request to pay this erroneous bill that was settled and double billed.

  

  Business Response

  Date: 03/08/2023

  "H&R Accounts (H&R) acknowledges receipt of the Better Business Bureau Complaint ID #******** filed by the consumer on February 24, 2023. Due to a host of consumer protection laws governing our industry and because our response will become part of a public-facing forum for BBB complaints, disclosure of protected health information to address allegations will follow the minimum necessary standard. Our investigation confirms the existence of one (1) account listed in the consumers name, which was placed with H&R on October 10, 2022, by H&Rs client. Upon placement, H&R mailed an initial notice to the consumer which contained required FDCPA validation notice elements. The notice was mailed to the same address the consumer listed as his address in this complaint, and the notice was not returned to H&R as mail return or undelivered. During a conference call between H&R, the consumer, and H&Rs client on February 23, 2023,charges for the date of service were confirmed by the client. The consumer requested a transfer to another department and call was ended. H&R reached out to our client and verified the balance is correct and owing as patient responsibility. The account has been marked disputed and we will send the consumer the results of our investigation for their records. Should the consumer have any questions, they can contact collection manager ***************** at ************.

• Initial Complaint

  Date:12/28/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a notice that I have a collection from H&R ACCOUNTS on my credit report. It says it was opened on 01/20/2022 for $525 with account number starting in ******** that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the **** and FDCPA.I would like for this collection to be removed asap or I will file a CFPB and FTC report.

  

  Business Response

  Date: 01/06/2023

  "H&R Accounts (H&R) acknowledges receipt of the Better Business Bureau Complaint ID #******** filed by the consumer on December 28, 2022.  Due to a host of consumer protection laws governing our industry and because our response will become part of a public-facing forum for BBB complaints, disclosure of protected health information to address allegations will follow the minimum necessary standard. Our investigation confirms the existence of an account matching the information provided in the complaint. The consumers account was listed with our office on January 20, 2022, for services rendered on or about July 9, 2021, by ***** **************** Upon placement, H&R mailed an initial collection notice to the consumer. This notice contained validation notice elements required by the ****** and this notice did not come back as mail return. We have not spoken with or received any written correspondence from the consumer regarding this account. The account has been marked disputed and we will verify the account with our client and send the consumer the results of our investigation for their records. Should the consumer have any questions, they can contact collection manager ***************** at ************.

• Initial Complaint

  Date:12/07/2022

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  After observing a discrepancy on my credit, I immediately contacted this company through a dispute. I filled out documents and a police report to prove this is not my obligation. I called and spoke to a representative named *****. I attempted to explain info to her, but she kept interrupting me. She admitted their company did no due diligence to verify this account. Since I was asking questions to gain understanding, I was accused of arguing and was hung up on. ***** was unprofessional. This is illegal. There's also some form of hippaa violation because although I wasn't treated for anything ***** said medical records showed I had an allergic reaction.

  

  Business Response

  Date: 12/12/2022

  "H&R Accounts (H&R) acknowledges receipt of the Better Business Bureau Complaint ID #******** filed by the consumer on December 7, 2022.  Due to a host of consumer protection laws governing our industry and because our response will become part of a public-facing forum for BBB complaints, disclosure of protected health information to address allegations will follow the minimum necessary standard. Our investigation confirms the existence of one account matching the information provided in the complaint. The consumers account was listed with our office on November 2, 2021, for services rendered by a medical service provider on or about December 21, 2019. Our office previously received an ACDV dispute via e-****** where the consumer disputed this account claiming identity theft. We mailed the consumer an identity theft packet to complete and return with supporting documentation. We have not received any of the requested documentation from the consumer to further investigate the consumers complaint of identity theft.  We would like to assist the consumer further and request they provide our office with a copy of their completed Identity Theft packet, police report, proof of residency and drivers license or any other legal documents with their signature to forward to our client for review. At this time, the account will remain open and disputed pending investigation of identity theft. A manager from H&R attempted to contact the consumer at the phone number provided to discuss her customer service complaint. The manager was unable to reach the consumer and we were unable to leave a voicemail due to a full mailbox. We respectfully request the consumer contact our collection manager, *****************, at ************ to discuss any concerns. 

• Initial Complaint

  Date:11/11/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My husband and I are disputing a debt from a hospital bill in March. We have recieved harrassing calls from HR accounts. When I picked up the phone today since it was labeled HEALTHCARE on my phone. I gave information regarding my husband and our phone number and address to confirm our debt. The women on the phone was rude and very arrogant. When I said I am an employee of said hospital and am on a payment plan and that I would speak with them regarding this debt. The women replied with they would refer me right back to her, but if I wanted to go around in circles instead of paying my bills, have fun! AND then HUNG UP ON ME!This company is completely unprofessional and it is not acceptable.

  

  Business Response

  Date: 11/22/2022

  "H&R Accounts (H&R) acknowledges receipt of the Better Business Bureau Complaint ID #******** filed by the consumer on November 11, 2022.  H&R reached out to our client and provided the details of the consumers complaint. The client has placed the accounts on hold while reviewing the consumers dispute and no collection activity will take place during this time. The accounts have been updated to a hold status in our system and we will communicate the results to the consumer when we receive a response from our client. Should the consumer have any questions, they can contact collection manager ***************** at ************.

• Initial Complaint

  Date:10/27/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ***** MEDICAL *********** ACCOUNTS NEEDS TO SUBMIT $275 BILL#******** TO OSF MEDICAL/HEALTH ALLIANCE/BLUE CROSS & BLUE SHIELD. ***** IS NOT SUPPOSED TO SEND MEDICAL BILLS TO MY ADDRESS. ALL CARLE BILLS NEED TO GO TO MY INSURANCE COMPANY AND OSF MEDICAL GROUP LISTED ABOVE. *****/H&R ALSO NEEDS TO NOT TRY AND GIVE A NEGATIVE CREDIT BUREAU REPORTING TO THE CREDIT BUREAU AGENCIES BECAUSE.THIS IS *****/H&R NEGLIGENCE AND THE $275 BILL IS FROM 11/2020. MY OSF DOCTOR ************** GAVE ME A WRITTEN REFERRAL TO GO TO ***** AND ***** SHOULD OF COLLECTED THE $275 TWO YEARS AGO. FINALLY, ***** AND H&R ACCOUNTS CANNOT TRY AND CREATE FALSE BILLS THAT ARE FRAUD. IF NEEDED, I WILL TAKE LEGAL ACTION AGAINST ***** AND H&R ACCOUNTS. I HAVE ATTACHED THE $275 BILL TO MY BBB COMPLAINT.

  

  Business Response

  Date: 11/08/2022

  "H&R Accounts (H&R) acknowledges receipt of the Better Business Bureau Complaint ID #******** filed by the consumer on 10/27/22. Our investigation confirms the existence of one account matching the information provided in the complaint. However, due to a host of consumer protection laws governing our industry and because our response will become part of a public-facing forum for BBB complaints, disclosure of protected health information to address allegations will follow the minimum necessary standard. The consumers account was listed with our office on 10/13/22, for services rendered on or about 11/01/20, by ***** **************** Upon placement, H&R mailed an initial collection notice to the consumer at the address listed by the consumer in this complaint. This notice contained the required validation language, and did not came back to H&R as undelivered.This complaint is the first correspondence received directly or indirectly from the consumer. H&R is treating this complaint as a formal dispute, and H&R has investigated the concerns raised. The consumer alleges they had medical insurance coverage for the date of service and wants insurance to pay the bill. H&R neither confirms nor denies the consumers eligibility or adjudication of insurance for the services rendered. We do not perform insurance eligibility, billing, or follow-up services as part of our normal collection process. However, in response to the consumers allegations, H&R spoke to our client about this matter. Our client stated that the consumers insurance was billed in a timely manner and they left the balance as patient responsibility. As with any insurance-related matters, the consumer and/or insurance subscriber needs to follow up directly with the insurance provider regarding insurance coverage concerns. H&R has marked the account disputed and will mail the results of its investigation to the consumer. Should the consumer have any questions, they can contact collection manager ***************** at ************.

  Customer Answer

  Date: 11/09/2022

  
  Complaint: 18319992

  I am rejecting this response because:
  
  Sincerely,
  
  *************************

  11/9/22

  ***** AND H&R CAN NOT CONTACT ME BY PHONE PER THE ***** OF ******** COLLECTION LAWS. 

  **********;MEDICAL GROUP & H&R ACCOUNTS NEEDS TO SUBMIT $275 BILL#******** TO OSF MEDICAL/HEALTH ALLIANCE/BLUE CROSS & BLUE SHIELD. CARLE IS NOT SUPPOSED TO SEND MEDICAL BILLS TO MY ADDRESS. ALL CARLE BILLS NEED TO GO TO MY INSURANCE COMPANY AND OSF MEDICAL GROUP LISTED ABOVE. *****/H&R ALSO NEEDS TO NOT TRY AND GIVE A NEGATIVE CREDIT BUREAU REPORTING TO THE CREDIT BUREAU AGENCIES BECAUSE.THIS IS *****/H&R NEGLIGENCE AND THE $275 BILL IS FROM 11/2020. MY OSF DOCTOR ************** GAVE ME A WRITTEN REFERRAL TO GO TO **********;AND CARLE SHOULD OF COLLECTED THE $275 TWO YEARS AGO. FINALLY, **********;AND H&R ACCOUNTS CANNOT TRY AND CREATE FALSE BILLS THAT ARE FRAUD. IF NEEDED, I WILL TAKE LEGAL ACTION AGAINST CARLE AND H&R ACCOUNTS. I HAVE ATTACHED THE $275 BILL TO MY BBB COMPLAINT.

  

  Business Response

  Date: 11/10/2022

  H&R Accounts ("H&R")acknowledges receipt of the consumer's rebuttal for Better Business Bureau Complaint #********. The findings of our original investigation were previously communicated along with the actions taken in response. H&R has investigated the debt with our client who has confirmed the debt is correct and owing as the consumers active insurance with ********** and Blue Shield at the time was billed properly. Our client states they are unable to bill Health Alliance as the policy was not effective for this date of service. As with any insurance-related matters, H&R refers the consumer and/or insurance subscriber to follow up directly with the insurance provider regarding insurance coverage concerns. Per the consumer's request they will not receive any further communication from our office regarding this account. 

  Customer Answer

  Date: 11/16/2022

  THANK YOU BBB FOR YOUR HELP I RECEIVED A ZERO BALANCE RECEIPT IN THE MAIL FROM H&R ACCOUNTS AS THEY HAVE RECEIVED $275 FROM MY INSURANCE CARRIER AND THERE IS NO NEGATIVE CREDIT BUREAU REPORTING AS WELL.

• Initial Complaint

  Date:09/14/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  As of September 2022, ************* located in ****** ** is reporting a debt of $1658 on my credit report to the three credit reporting agencies such Experian, TransUnion and Equifax as medical debt. I don't know this creditor and they have not been able to verify this debt or respond to my request to validate it. This item was once reported to my credit report and i requested a debt validation from this creditor due to the fact that i was unaware of this debt it was since removed then added back. I never spoke with any representative on the phone or by mail. I never received any notice about my debt collection right to dispute. The creditor failed to respond to my request to validate the debt. This has negatively impacted my credit score. This is the only collection on my credit report as I have a good paying history with all financial institutions that I actually owe. It's my right to have the accurate information reflecting on my credit report as i have worked hard to keep a good history and its unfair that this debt collector is abusing my rights. I have lost ***************************************************************************************** this inflation and this abusive collector is making it even harder to stay afloat. This reporting is negatively affecting my lodging and transportation opportunities.

  

  Business Response

  Date: 09/15/2022

  "H&R Accounts (H&R) acknowledges receipt of the Better Business Bureau Complaint ID #******** filed by the consumer on September 14, 2022. Due to a host of consumer protection laws governing our industry and because our response will become part of a public-facing forum for BBB complaints, disclosure of protected health information to address allegations will follow the minimum necessary standard. Our investigation confirms the existence of one (1) account listed in the consumers name, which was placed with H&R on October 22, 2021, by H&Rs client. H&R mailed an initial demand letter to the consumer which provided the debt verification language required by the ****** and the letter did not come back as mail return. We have received several electronic notifications via E-***** in reference to this account and responded accordingly. Our office received a written dispute requesting verification of this account in July 2022. We have verified the account with our client and will send the consumer the results of our investigation for their records. At this time, we show this account has been accurately reported to the credit bureaus. Should the consumer have any questions, they can contact collection manager ***************** at ************.

  Customer Answer

  Date: 09/15/2022

   
  Complaint: 18020646
  
  I am rejecting this response because: I have requested a detailed debt validation request from this collector more than once and never got a response until I filed a complaint with CFPB & *363137393238313831* I have also contacted the * & R *31393132383931313231* client requesting medical bills and any proof of debt and they were not able to provide that. I provided an address and requested in writing any documents supporting the claim, I never received anything. I called back ( Medical provider name attached to credit report) to verify the address I gave was correct and was told I would receive documents supporting their claim and I never received any. *& R account confirmed that they have indeed received my request to validate the debt and have not been able to do so for more than 30 days. * & R did not acknowledge my attempt to validate the debt prior to July 2022 and was ignored. This debt have not been able to verify by * & R account or its client and it is my right to have it remove from my credit profile. Litigation steps will now be taking in attempt to rectify my good name. 
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 09/19/2022

  H&R Accounts ("H&R") acknowledges receipt of the consumer's rebuttal for Better Business Bureau Complaint #********.  The findings of our original investigation were previously communicated along with the actions taken in response. The consumer states we did not respond to her request for verification. The consumers request for verification was outside of the validation period, but as a courtesy an item was mailed out on 9/16/22 to the consumers home address.If the consumer has any questions regarding this response or other questions regarding the account, we request they call collection manager ***************** at ************** to discuss the matter.

• Initial Complaint

  Date:09/13/2022

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  9/12/2002 I told H and R that I am in the middle of dispute with the company they are representing and they said they did not care and that they are going to report my bill to the credit bureau. They were rude and disrespectful. they hung up on me after I requested not to be spoken to like that. I called back and spoke to a "supervisor" and he was even worse. As I said I am in the middle of disputing this bill and they could not care less.

  

  Business Response

  Date: 09/15/2022

  "H&R Accounts (H&R) acknowledges receipt of the Better Business Bureau Complaint ID #******** filed by the consumer on September 13, 2022.  Due to a host of consumer protection laws governing our industry and because our response will become part of a public-facing forum for BBB complaints, disclosure of protected health information to address allegations will follow the minimum necessary standard. Our investigation confirms the existence of one account matching the information provided in the complaint. H&R reached out to our client who confirmed they have placed the account on hold while reviewing the consumers dispute and no collection activity will take place while the account is in a hold status. If the consumer has any further questions, we request the consumer to call Collection Manager ***************** at ************** to discuss this matter.

• Initial Complaint

  Date:08/08/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I declare under penalty of perjury (under the laws of the United States, if executed outside of *****************) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. ****. Additionally, these misstatements are punishable as perjury under 18 U.S.C. ****. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods, services, or money; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I will also like your company to mail me via postal mail all the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

  

  Business Response

  Date: 08/16/2022

  "H&R Accounts (H&R) acknowledges receipt of the Better Business Bureau Complaint ID #******** filed by the consumer on August 6, 2022.  Due to a host of consumer protection laws governing our industry and because our response will become part of a public-facing forum for BBB complaints, disclosure of protected health information to address allegations will follow the minimum necessary standard. Our investigation confirms the existence of one account matching the information provided in the complaint. The consumers account was listed with our office on July 2, 2019, for services rendered by a medical service provider on or about April 8, 2019. Upon placement, H&R mailed an initial notice to the consumer which contained required FDCPA validation notice elements. The notice was mailed to the same address the consumer listed as their address in this complaint, and the notice was not returned to H&R as mail return or undelivered. This complaint is the first communication H&R has received from the consumer regarding the account. H&R reached out to our client and verified the balance is correct and owing as patient responsibility. The account has been marked disputed and we will send the consumer the results of our investigation for their records. Should the consumer have any questions, they can contact collection manager ***************** at ************.

• Initial Complaint

  Date:08/04/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On November 30th, 2021, ****** went to see *************************** with Banner Health. It was an office visit with a specialist (ENT) so the ** pay was expensive. The Dr. *** students assisting him with the exam. ************** stated that he was going to insert a tube inside ******* nostril so that he **uld see what was going on. We later found out, after the **** arrived, that they had preformed a Nasal Endos**py, which apparently **sts over and above the office exam! Neither the Doctor, nor the Students, nor the office staff informed us of additional charges. We were not given an option to choose the Endos**py for an additional **st! I feel this is fraudulent and an attempt to **llect more money! Once we got the ****, I made numerous attempts to call Banner, left messages, waited on hold, to no avail. I was never able to speak to anyone!Then, we received **mmunication from H&R Accounts, to **llect the money, supposedly owed to Banner. I immediately drafted a letter to H&R and disputed the charge based on the information I provided above. Today, August 3, 2022, I received another letter from H&R that just provided me with a **py of the **** and an attempt to **llect!I have made every attempt to have this charge removed based on the undisclosed fact that this procedure would be an additional charge!

  

  Business Response

  Date: 08/16/2022

  "H&R Accounts (H&R) acknowledges receipt of the Better Business Bureau Complaint ID #******** filed by the consumer on August 3, 2022.  H&R reached out to our client and provided the details of the consumers complaint. The client has placed the account onto a hold at this time to review the consumers dispute. The account has been updated to a hold status in our system and we will communicate the results to the consumer when we receive a response from our client. Should the consumer have any questions, they can contact collection manager ***************** at ************.

  Customer Answer

  Date: 08/16/2022

   
  Complaint: 17667009
  
  I am rejecting this response because:
  
  H & R Accounts now owns this debt and can choose not to collect it!  This charge from Banner was an attempt to collect money under deceptive means. The fact that we dispute this charge should be enough for a statement adjustment!

  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 08/16/2022

  H&R Accounts ("H&R") acknowledges receipt of the consumers further correspondence to Better Business Bureau Complaint #********.The findings of our original investigation were previously communicated along with the actions taken in response. H&R does not buy or purchase any debt,we collect on behalf of our client. Banner Health has placed the account on hold while reviewing the consumers dispute and no collection activity will take place while the account is on a hold status. If the consumer has any further questions, we request the consumer to call Collection Manager ***************** at ************** to discuss this matter.