Complaints

This profile includes complaints for Kansas Counselors, Inc. (KCI)'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Kansas Counselors, Inc. (KCI)

  PO Box 14765 Lenexa, KS 66285-4765

  
• 

  Kansas Counselors, Inc. (KCI)

  1421 N Saint Paul St Wichita, KS 67203-1718

  
• 

  Kansas Counselors, Inc. (KCI)

  10561 Barkley St Ste. 210 Shawnee Mission, KS 66212

  

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:07/17/2023

  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 am not liable for this debt with EVERGY. I do not have a contract with KANSAS COUNSELORS INC., they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 07/20/2023

  Dear Mr* **********
  
  This letter
  is in response to your correspondence submitted to the Better Business Bureau
  (“BBB”). 
  
  Your
  statements indicate you allege that Kansas Counselors, Inc. (KCI) is attempting
  to collect debts that you are not liable for. 
  You also allege you do not have a contract with Kansas Counselors,
  Inc.  I want to take a moment to address
  your concern.
  
  First,
  you are correct in your statement that you do not have a contract with Kansas
  Counselors, Inc.  KCI is a third-party
  debt collection agency that was contracted by your original creditor (Evergy)
  to recover charges due to them for utility services rendered to you at the
  property located at *** ** ******* **** ** ****** ** *****.
  
  In
  addition, KCI is a Data Furnisher as defined by the Fair Credit Reporting
  Act. 
  
  Next,
  as is required by the Fair Debt Collection Practices Act (FDCPA), and is
  strictly followed by KCI, an initial notice is sent to all legal guarantors on
  delinquent accounts placed with our agency. This notice contains our agency
  name, the name of the original creditor, your account number, the date of
  service, the exact amount owed, the full mini-Miranda, and the full statement
  of your rights to dispute and to request validation of the debt(s) in writing
  within thirty (30) days of receiving the notice. 
  
  KCI
  mailed you a dunning notice for the above-referenced account on 07/06/21. The
  letter sent to your address was not returned via the US Postal Service.  You did not exercise your rights within the
  time frame prescribed by law. 
  
  Until
  receiving your complaint via the Better Business Bureau Complaint Portal, KCI
  has never received any written correspondence from you claiming to dispute this
  debt, nor requesting validation. Nor have we ever directly received any written
  FCRA dispute.
  
  During
  our only conversation with you on 08/19/22 regarding this debt, you told the
  representative that you did not recall this account but asked for no further
  documentation.  KCI marked the account as
  ‘disputed’ at that time, in compliance with federal law.
  My
  records do, however, indicate that we’ve received two (2) disputes from you
  regarding multiple accounts submitted directly through the credit reporting
  agencies (CRAs).  These Automated
  Consumer Dispute Verifications (ACDVs) are forwarded to our agency through the
  Online Solution for Complete and Accurate Reporting (e-OSCAR) system. With each
  dispute, our agency performs a “reasonable investigation”, as is required by
  law, and after coordinating with our client, found that the disputed information
  was accurate and the debt to be valid and still unpaid.  These actions were completed, in accordance
  with the Fair Credit Reporting Act (FCRA), most recently on 07/20/23.  At that time, we again marked the account as
  disputed, and provided the results of our query to the CRAs via e-OSCAR.
  
  ****** *********** ***** ********** *** *********** ************** ** ********** **** *** **** *** ********** **** ** *** **** *** ******** *** ** *** ***** *** ********** ** **** *** ********** ********* ** ***
  
  ************** ** ******* ** **** ***** ***** ** **** ******* ********** ** **** ******* ***** ** *** **** **** *** *** ******** **** ******* *** ********* ****** ************ *** *** ************ ******* ******** *** *** *** *********** ***** ** **** ***** *** **** *** **** ****** ** *** *** ********** ********  ** *** ***** *** ****** ****** ** ******* **** ***** ****** **** **** ** ******* ** ****** ** ***** **** * ******* ************** *** **** ****** ****** ****
  
  * **** ** ********** ***** *** *** **** ************** *** ********** *** *********** ** ********* **** ********* *** *** *** ********* *** ********* **** ****** ******* 
  
  
  **********
  
  
  ***** ***** *****
  ******** ** **********
  
  
  **** ************* ** **** * **** **********  **** ** ** ******* ** ******* * **** *** *** *********** ******** **** ** **** *** **** ********

• Initial Complaint

  Date:07/07/2023

  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 am not liable for this debt with Kansas Counselors Inc, I do not have a contract with Kansas Counselors Inc, they did not provide me with original contract as requested.

  

  Business Response

  Date: 07/07/2023

  Dear, ***** *********

  You have several accounts open and active in our office from several creditors dating back as far as 2020.

  My records indicate you have never communicated directly with our office verbally or in writing.  Please specify which debt you are referring to so I may investigate and respond.

  Thank you.

   

  Customer Answer

  Date: 07/07/2023

  ** ******* ****** ** ******** **** ***** ********* **** ********** ** *** ********** *********  ** *** ***** *** *** ****** ** ****** ******* ****
  
  ****** ******** *******
  
  * **** ******** *** ******** **** ** *** ******** ** ********* ** ********* ** ********* *** find that this resolution is satisfactory to me.
  
  
  
  
  Regards,
  
  
  
  ***** ********

• Initial Complaint

  Date:06/27/2023

  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.

  This company has and continues to violate § 1006.34 of the FCRA. I have requested and the company has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account with Kansas Counselors and/or MEP LLC is being reported accurately or that I owe any amounts being asserted. Furthermore, the information this company is disclosing violates HIPAA policies.

  

  Business Response

  Date: 06/27/2023

  Dear Ms. *******
  
  This letter
  is in response to your correspondence submitted to the Better Business Bureau
  (“BBB”). 
  
  Your
  statement indicates that you allege the debt Kansas Counselors, Inc. (KCI) did
  not respond to your request for validation of the debt. I want to take a moment
  to address your concerns.
  
  First, as is required by the Fair Debt Collection Practices Act
  (FDCPA), and is strictly followed by KCI, an initial notice is sent to all
  legal guarantors on delinquent accounts placed with our agency. This notice contains
  our agency name, the name of the original creditor, your account number, the
  date of service, the exact amount owed, the full mini-Miranda, and the full
  statement of your rights to dispute and to request validation of the debt(s) in
  writing within thirty (30) days of receiving the notice. 
  
  KCI
  mailed you a dunning notice for the account listed above on 10/03/16. The
  letter sent to your address was not returned via the US Postal Service.  You did not exercise your rights within the
  time frame prescribed by law.
  
  Nevertheless,
  when we received your written request for validation of your debt (despite your
  correspondence being nearly five years after the expiration of the validation
  period) KCI obtained the necessary documentation form the original creditor and
  mailed it to you.  In fact, there were
  other letters we received, and we validated all the debts in question; five (5)
  in total.  These actions were completed
  on 08/17/21. 
  
  In
  fact, until receiving your complaint via the Better Business Bureau, KCI has
  never received any verbal or written communication from you claiming to dispute
  this particular debt, nor requesting validation. Nor have we ever directly
  received any verbal or written FCRA dispute. 
  
  My
  records do, however, indicate that we’ve received twenty-six (26) disputes from
  you regarding multiple accounts submitted directly through the credit reporting
  agencies (CRAs).  These Automated
  Consumer Dispute Verifications (ACDVs) are forwarded to our agency through the
  Online Solution for Complete and Accurate Reporting (e-OSCAR) system. With each
  dispute, our agency performs a “reasonable investigation”, as is required by
  law, and after coordinating with our client, found that the disputed
  information was accurate and the debt to be valid and still unpaid.  These actions were completed, in accordance
  with the Fair Credit Reporting Act (FCRA), most recently on 04/19/23.  At that time, we marked the account as
  disputed, and provided the results of our query to the CRAs via e-OSCAR.
  
  Please
  understand, after completing our “reasonable investigation” in compliance with
  the FCRA and responding back to the CRAs via e-OSCAR, KCI is not under
  any obligation to send any additional materials to you.  The documents that were previously mailed and
  received by you (as evidenced by your attachments) are deemed sufficient under
  the law for verification purposes.
  
  Unfortunately,
  we cannot, at this time, agree to your desired resolution on your account based
  on the fact that our verification efforts indicate you are the responsible
  party, and that you have failed to pay the delinquent balance.  In short, this debt has been validated, yet
  remains unpaid.  In the event you should
  decide to resolve this debt, please feel free to contact my office to speak
  with a helpful representative who will gladly assist you.
  
  I
  wish to personally thank you for your correspondence and appreciate the
  opportunity to alleviate your concerns. KCI has now responded and considers
  this matter closed. 
  
  
  **********
  
  
  ***** ***** *****
  ******** ** **********
  
  
  This
  communication is from a debt collector. 
  This is an attempt to collect a debt and any information obtained will
  be used for that purpose.

  Customer Answer

  Date: 06/27/2023

  *** ****** ** ** ******** **** ****** ** * ****** *** **** **** ** * ****** *** *** *** ********* *** ********* ** ** ****** ** ******** **** ********* **** ** ****** ** ******* **********
  
  ********** ********
  
  
  
  I am rejecting this response because the company has failed in over 26 attempts to provide me with a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount that has and continues to be reported on my credit profile. ******** ** ** **** **** * **** ******* *** * ******* **  the FCRA and FDCPA, this company has been and continues to be in violation of federal, state and local laws.
  
  
  
  Regards,
  
  
  
  ******* ******

  

  Business Response

  Date: 06/28/2023

  Ms. *******

  As stated previously, KCI validated all five (5) debts despite the fact that there was no legal obligation to do so, at that late date.  Also, as previously explained, the documents provided by the original creditor and attesting to the fact that you are the legal guarantor, and that the outstanding balances are accurate, is sufficient documentation under federal law.

  Although I can appreciate
  your demand for a document bearing your signature, this is not a requirement
  for verification of a debt under the FDCPA. The current itemized statements
  obtained directly from the provider in your case is again sufficient documentation
  to demonstrate that you are the responsible party, and that the amounts KCI is
  attempting to collect are accurate. 
  

  To clarify, Kansas Counselors, Inc., is acting as third-party debt collection agency on behalf of MEP, LLC, who has contracted with our agency and referred your delinquent accounts for recovery.

  Customer Answer

  Date: 06/29/2023

  ********** ********
  
  
  
  I am rejecting this response. Pursuant to staff opinion Letter from John F. LeFevre, Attorney, Federal Trade Commission, Office of the Secretary, to Robert G. Cass, Compliance Counsel, Commercial Financial Services (Dec. 23, 1997), 1997 WL 33791232, at *1, a printout of a bill or itemized document does not constitute verification.

  I am again asserting that I have requested, multiple times, a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount.
  
  
  
  ********
  
  ******* ******

• Initial Complaint

  Date:06/20/2023

  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 am not liable for this debt with Providence Medical Center. I do not have a contract with Kansas Counselors INC. They did not provide me with the original contract as i requested.

  

  Business Response

  Date: 06/20/2023

  Dear ******** ******:
  
  This letter
  is in response to your correspondence submitted to the Better Business Bureau
  (“BBB”). 
  
  Your
  statements indicate you allege that Kansas Counselors, Inc. (KCI) is attempting
  to collect debts that you are not liable for. 
  You also allege you do not have a contract with Kansas Counselors,
  Inc.  I want to take a moment to address
  your concern.
  
  First,
  you are correct in your statement that you do not have a contract with Kansas
  Counselors, Inc.  KCI is a third-party
  debt collection agency that was contracted by your original creditor
  *********** ******* ****** to recover charges due to them for medical services
  rendered to you on 06/13/20.
  
  In
  addition, KCI is a contracted Business Associate for the original provider
  (Covered Entity) and a Data Furnisher as defined by the Fair Credit Reporting
  Act. 
  
  Next,
  as is required by the Fair Debt Collection Practices Act (FDCPA), and is
  strictly followed by KCI, an initial notice is sent to all legal guarantors on
  delinquent accounts placed with our agency. This notice contains our agency
  name, the name of the original creditor, your account number, the date of
  service, the exact amount owed, the full mini-Miranda, and the full statement
  of your rights to dispute and to request validation of the debt(s) in writing
  within thirty (30) days of receiving the notice. 
  
  KCI
  mailed you a dunning notice for the above-referenced account on 12/22/20. The
  letter sent to your address was not returned via the US Postal Service.  You did not exercise your rights within the
  time frame prescribed by law. 
  
  Until
  receiving your complaint via the Better Business Bureau Complaint Portal, KCI
  has never received any written correspondence from you claiming to dispute this
  debt, nor requesting validation. Nor have we ever directly received any verbal
  or written FCRA dispute.
  In
  fact, during our only conversation with you on 08/20/21 regarding this debt,
  you told the representative that you would not pay because you were only in the
  hospital for a brief period of time.
  My
  records also indicate that we’ve never received a dispute from you regarding
  your account submitted directly through the credit reporting agencies
  (CRAs). 
  
  It
  is of particular note that the original balance of your charges was: $839.00.
  
  A
  claim was successfully submitted and processed by your health insurance
  carrier, **** ********** ****** ** ****** ***** 
  On 06/30/20 your carrier submitted a payment of $3.06 and a contractual
  adjustment of:  $335.60 to ********** ******* *****r which resulted in the amount you currently owe, and which was
  referred for collection in late 2020.
  
  Unfortunately,
  we cannot, at this time, agree to your desired resolution on your account based
  on the fact that KCI has complied with federal law regarding notice
  requirements and our verification efforts indicate you are the responsible
  party in this case, and that you have failed to pay the delinquent
  balance.  In the event you should decide
  to resolve this debt, please feel free to contact my office to speak with a
  helpful representative who will gladly assist you.
  
  I
  wish to personally thank you for your correspondence and appreciate the
  opportunity to alleviate your concerns. KCI has now responded and considers
  this matter closed. 
  
  
  Sincerely,
  
  
  ***** ***** *****
  ******** ** **********
  
  
  This
  communication is from a debt collector. 
  This is an attempt to collect a debt and any information obtained will
  be used for that purpose.

• Initial Complaint

  Date:06/12/2023

  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.

  Im not liable for this debt with ** *********** I do not have a contract with KANSAS COUNSELORS INC they did not provide me with the original contract as i requested

  

  Business Response

  Date: 06/13/2023

  Dear Mr. *********
  
  This letter
  is in response to your correspondence submitted to the Better Business Bureau
  (“BBB”). 
  
  Your
  statements indicate you allege that Kansas Counselors, Inc. (KCI) is attempting
  to collect debts that you are not liable for. 
  You also allege you do not have a contract with Kansas Counselors,
  Inc.  I want to take a moment to address
  your concern.
  
  First,
  you are correct in your statement that you do not have a contract with Kansas
  Counselors, Inc.  KCI is a third-party
  debt collection agency that was contracted by your original creditor (EM
  Specialists).  ** *********** is the
  emergency physician’s billing service for the ER doctors that rendered services
  to you at ************ ******* ******* on 07/05/20.
  
  In
  addition, KCI is a contracted Business Associate for the original provider (Covered
  Entity) and a Data Furnisher as defined by the Fair Credit Reporting Act. 
  
  Next,
  as is required by the Fair Debt Collection Practices Act (FDCPA), and is
  strictly followed by KCI, an initial notice is sent to all legal guarantors on
  delinquent accounts placed with our agency. This notice contains our agency
  name, the name of the original creditor, your account number, the date of
  service, the exact amount owed, the full mini-Miranda, and the full statement
  of your rights to dispute and to request validation of the debt(s) in writing
  within thirty (30) days of receiving the notice. 
  
  KCI
  mailed you dunning notices for the above-referenced accounts on 09/30/20. The
  letters sent to your address were not returned via the US Postal Service.  You did not exercise your rights within the
  time frame prescribed by law. 
  
  Until
  receiving your complaint via the Better Business Bureau Complaint Portal, KCI
  has never received any written correspondence from you claiming to dispute this
  debt, nor requesting validation. Nor have we ever directly received any verbal
  or written FCRA dispute.
  In
  fact, during our only conversation with you on 06/16/21 regarding this debt,
  you told the representative that you wanted no further contact at your home
  telephone or cellular number.
  My
  records do, however, indicate that we’ve received seventeen (17) disputes from
  you regarding your account submitted directly through the credit reporting
  agencies (CRAs).  These Automated
  Consumer Dispute Verifications (ACDVs) are forwarded to our agency through the
  Online Solution for Complete and Accurate Reporting (e-OSCAR) system. With each
  dispute, our agency performs a “reasonable investigation”, as is required by
  law, and after coordinating with our client, found that the disputed
  information was accurate and the debt to be valid and still unpaid.  These actions were completed, in accordance
  with the Fair Credit Reporting Act (FCRA), most recently on 05/26/23.  At that time, we marked the accounts as
  disputed, and provided the results of our query to the CRAs via e-OSCAR.
  
  Please
  understand, after completing our “reasonable investigation” in compliance with
  the FCRA and responding back to the CRAs via e-OSCAR, KCI is not under
  any obligation to send any additional materials to you.
  
  Nevertheless,
  as a courtesy to you, I am mailing you a copy of the itemized bill for your
  debt. This document is directly from the original creditor and serves as
  validation of the services rendered to you by the emergency room physician (Dr.
  William B. Kruse, MD.).  I do not wish to
  attach it here so as to safeguard your rights under the Health Insurance
  Portability and Accountability Act HIPAA). You may keep this for your records.
  
  Unfortunately,
  we cannot, at this time, agree to your desired resolution on your account based
  on the fact that KCI has complied with federal law regarding notice
  requirements and our verification efforts indicate you are the responsible
  party in this case, and that you have failed to pay the delinquent
  balance.  In the event you should decide
  to resolve this debt, please feel free to contact my office to speak with a
  helpful representative who will gladly assist you.
  
  I
  wish to personally thank you for your correspondence and appreciate the
  opportunity to alleviate your concerns. KCI has now responded and considers
  this matter closed. 
  
  
  **********
  
  
  ***** ***** *****
  ******** ** **********
  
  
  This
  communication is from a debt collector. 
  This is an attempt to collect a debt and any information obtained will
  be used for that purpose.

  Customer Answer

  Date: 06/13/2023

  *** ****** ** ** ******** **** ****** ** * ****** *** **** **** ** * ****** *** *** *** ********* *** ********* ** ** ****** ** ******** **** ********* **** ** ****** ** ******* **********
  
  ********** ********
  
  
  
  I am rejecting this response because:
  
  They never send me a contract or a 1099 by the fca I was never mailed I would like proof . I do no lt owe the debt to them . If this is not resolved I will get legal action I have already spoke to a lawyer 
  
  Regards,
  
  
  
  ****** ********

  

  Business Response

  Date: 06/14/2023

  *** *********

  As explained previously, your contract is with EM Specialists and KCI is not required to provide a contract as part of the debt validation process.  

  Your reference to the IRS form 1099, which is used to declare income is confusing, as is your reference to 'fca'.  It is entirely unclear what point you are trying to make with these statements, or to what issues you are referring and it renders me unable to assist you further at this time.

   

  Customer Answer

  Date: 06/14/2023

  *** ****** ** ** ******** **** ****** ** * ****** *** **** **** ** * ****** *** *** *** ********* *** ********* ** ** ****** ** ******** **** ********* **** ** ****** ** ******* **********
  
  ********** ********
  
  
  
  I am rejecting this response because:
  
  So I’m I supposed to do a report on ems then witch I never received from them since there the original creditor 
  
  Regards,
  
  
  ****** ********

• Initial Complaint

  Date:06/04/2023

  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.

  I am not liable for this debt with MEP LLC and do not have a contract with KANSAS COUNSELORS INC. They did not provide me with the original application as I requested.

  

  Business Response

  Date: 06/05/2023

  Dear Ms. *********
  
  This letter
  is in response to your correspondence submitted to the Better Business Bureau
  (“BBB”). 
  
  Your
  statements indicate you allege that Kansas Counselors, Inc. (KCI) is attempting
  to collect debts that you are not liable for. 
  You also allege you do not have a contract with Kansas Counselors, Inc.
  and that we have refused to provide you with your original application.  I want to take a moment to address your
  concerns.
  
  First, you are correct in your statement that you do not have a
  contract with Kansas Counselors, Inc. 
  KCI is a third-party debt collection agency that was contracted by your
  original creditor (MEP, LLC).  MEP, LLC.
  is the emergency physician’s billing service for the ER doctors that rendered
  services to you at *** ****** ********* ******** * ***** *** ** *********
  
  In
  addition, KCI is a contracted Business Associate for the original provider and
  a Data Furnisher as defined by the Fair Credit Reporting Act.  Neither KCI nor your original creditor (a
  healthcare provider) are lending institutions, so I am confused by your
  reference to an application. 
  
  Next,
  as is required by the Fair Debt Collection Practices Act (FDCPA), and is
  strictly followed by KCI, an initial notice is sent to all legal guarantors on
  delinquent accounts placed with our agency. This notice contains our agency
  name, the name of the original creditor, your account number, the date of
  service, the exact amount owed, the full mini-Miranda, and the full statement
  of your rights to dispute and to request validation of the debt(s) in writing
  within thirty (30) days of receiving the notice. 
  
  KCI
  mailed you a dunning notice for the above-referenced account on 11/10/20. The
  letter sent to your address was not returned via the US Postal Service.  You did not exercise your rights within the
  time frame prescribed by law. 
  
  Until
  receiving your complaint via the Better Business Bureau Complaint Portal, KCI
  has never received any written correspondence from you claiming to dispute this
  debt, nor requesting validation. Nor have we ever directly received any verbal
  or written FCRA dispute.
  In
  fact, until receiving your complaint via the Better Business Bureau, KCI has
  never received any verbal or written communication from you claiming to dispute
  this particular debt, nor requesting validation. Nor have we ever directly
  received any verbal or written FCRA dispute.
  
  Moreover, my records
  indicate that we have never received any disputes from you regarding this
  account submitted directly through the credit reporting agencies (CRAs). 
  
  Please
  understand, KCI is not under any obligation to send any additional
  materials to you.
  
  Nevertheless,
  as a courtesy to you, I am mailing you a copy of the itemized bill for your
  debt. This document is directly from the original creditor and serves as
  validation of the services rendered to you by the emergency room physician (*** **** ******).  I do not wish to attach them
  here so as to safeguard your rights under the Health Insurance Portability and
  Accountability Act HIPAA). You may keep this for your records.
  
  Unfortunately,
  we cannot, at this time, agree to your desired resolution on your account based
  on the fact that KCI has complied with federal law regarding notice
  requirements and our verification efforts indicate you are the responsible
  party in this case, and that you have failed to pay the delinquent
  balance.  In the event you should decide
  to resolve this debt, please feel free to contact my office to speak with a
  helpful representative who will gladly assist you.
  
  I
  wish to personally thank you for your correspondence and appreciate the
  opportunity to alleviate your concerns. KCI has now responded and considers
  this matter closed. 
  
  
  **********
  
  
  ***** ***** *****
  ******** ** **********
  
  
  **** ************* ** **** * ***t collector. 
  This is an attempt to collect a debt and any information obtained will
  be used for that purpose.

  

  Business Response

  Date: 06/05/2023

  Dear Ms. *********
  
  This letter
  is in response to your correspondence submitted to the Better Business Bureau
  (“BBB”). 
  
  Your
  statements indicate you allege that Kansas Counselors, Inc. (KCI) is attempting
  to collect debts that you are not liable for. 
  You also allege you do not have a contract with Kansas Counselors, Inc.
  and that we have refused to provide you with your original application.  I want to take a moment to address your
  concerns.
  
  First, you are correct in your statement that you do not have a
  contract with Kansas Counselors, Inc. 
  KCI is a third-party debt collection agency that was contracted by your
  original creditor (MEP, LLC).  MEP, LLC.
  is the emergency physician’s billing service for the ER doctors that rendered
  services to you at *** ****** ********* ******** * ***** *** ** *********
  
  In
  addition, KCI is a contracted Business Associate for the original provider and
  a Data Furnisher as defined by the Fair Credit Reporting Act.  Neither KCI nor your original creditor (a
  healthcare provider) are lending institutions, so I am confused by your
  reference to an application. 
  
  Next,
  as is required by the Fair Debt Collection Practices Act (FDCPA), and is
  strictly followed by KCI, an initial notice is sent to all legal guarantors on
  delinquent accounts placed with our agency. This notice contains our agency
  name, the name of the original creditor, your account number, the date of
  service, the exact amount owed, the full mini-Miranda, and the full statement
  of your rights to dispute and to request validation of the debt(s) in writing
  within thirty (30) days of receiving the notice. 
  
  KCI
  mailed you a dunning notice for the above-referenced account on 11/10/20. The
  letter sent to your address was not returned via the US Postal Service.  You did not exercise your rights within the
  time frame prescribed by law. 
  
  Until
  receiving your complaint via the Better Business Bureau Complaint Portal, KCI
  has never received any written correspondence from you claiming to dispute this
  debt, nor requesting validation. Nor have we ever directly received any verbal
  or written FCRA dispute.
  In
  fact, until receiving your complaint via the Better Business Bureau, KCI has
  never received any verbal or written communication from you claiming to dispute
  this particular debt, nor requesting validation. Nor have we ever directly
  received any verbal or written FCRA dispute.
  
  Moreover, my records
  indicate that we have never received any disputes from you regarding this
  account submitted directly through the credit reporting agencies (CRAs). 
  
  Please
  understand, KCI is not under any obligation to send any additional
  materials to you.
  
  Nevertheless,
  as a courtesy to you, I am mailing you a copy of the itemized bill for your
  debt. This document is directly from the original creditor and serves as
  validation of the services rendered to you by the emergency room physician (*** **** ******).  I do not wish to attach them
  here so as to safeguard your rights under the Health Insurance Portability and
  Accountability Act HIPAA). You may keep this for your records.
  
  Unfortunately,
  we cannot, at this time, agree to your desired resolution on your account based
  on the fact that KCI has complied with federal law regarding notice
  requirements and our verification efforts indicate you are the responsible
  party in this case, and that you have failed to pay the delinquent
  balance.  In the event you should decide
  to resolve this debt, please feel free to contact my office to speak with a
  helpful representative who will gladly assist you.
  
  I
  wish to personally thank you for your correspondence and appreciate the
  opportunity to alleviate your concerns. KCI has now responded and considers
  this matter closed. 
  
  
  **********
  
  
  ***** ***** *****
  ******** ** **********
  
  
  **** ************* ** **** * ***t collector. 
  This is an attempt to collect a debt and any information obtained will
  be used for that purpose.

• Initial Complaint

  Date:06/01/2023

  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.

  Kansas counclers have been harassing me for a year about a medical bill . After talking to the providers billing department multiple times telling me that there is nothing in collections , I have informed ks counclers of this multiple times they refuse to call the provider to clear this up and they are progressively getting more aggressive with me

  

  Business Response

  Date: 06/02/2023

  Dear Mr. ************
  
  This letter
  is in response to your correspondence submitted to the Better Business Bureau
  (“BBB”). 
  
  Your
  statement indicates you allege that Kansas Counselors, Inc. (KCI) is attempting
  to collect a debt which was never referred to our agency for collection.  I want to take a moment to address your
  concern.
  
  Despite purported conversations you’ve had with the original
  creditor to the contrary, the account in question was, in fact, referred to our
  agency for collection on 04/15/22 in the amount of $1,069.00, These emergency
  room physician’s charges stemmed from a visit to ***** *** **** on 12/01/21.
  
  When
  account balances are written off by a medical provider to bad debt, the
  charge-off results in the amounts appearing as a zero balance in the provider’s
  system once the balance is transferred. 
  Unfortunately, conversations between patients and healthcare
  representatives unfamiliar with the collection process can result in
  misinformation and misunderstanding. 
  Namely, it is not uncommon for a representative to be unaware the
  balance has been forwarded to collection or that a statement regarding a zero
  balance can be misconstrued.
  
  Not
  only does this appear to have happened in your case, but the misinformation you
  were provided with made communication between you and our office ineffective,
  to say the least.
  
  As
  was explained to you in your follow-up call on 06/01/23, at the request of the
  healthcare providers we contract with, we do not contact their offices to
  validate account balances without supporting documentation or a requirement for
  verification under federal law.  In your
  case, the validation period afforded you under the Fair Debt Collection
  Practices Act (FDCPA) expired a year ago and aside from your statements that
  you had spoken to “Paul,” you provided us no further documentation to assist us
  with an investigation.
  
  Your
  conversation with our representative, however, was brought to my attention
  yesterday and I made an exception and had our Client Liaison office contact the
  provider to verify your balance. 
  Unfortunately, as of 06/01/23, the balance remained: $1,069.00.
  
  This
  morning, however, we were notified by the provider that they had received a
  payment and a contractual adjustment today from your carrier, presumably the
  Veterans Administration.  The amount of
  the payment reported today is: 
  $166.86.  The contractual
  adjustment reported today is:  $902.14.  In combination, these two (2) transactions
  reduce the balance of your account to zero as of 06/02/23.  
  
  As
  such, I can fully agree to your desired resolution to have no further contact
  with you based not only on your request that we cease and desist communication,
  but upon the fact that the balance has been reported as paid and now has a zero
  balance.
  
  I
  wish to personally thank you for your correspondence and appreciate the
  opportunity to alleviate your concerns. KCI has now responded and considers
  this matter closed. 
  
  
  S*********
  
  
  ***** ***** *****
  ******** ** **********
  
  
  **** ************* ** **** * **** ********r. 
  

• Initial Complaint

  Date:05/26/2023

  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 sent a letter to the business requesting validation of a debt that appeared on my ******** *** ******* credit reports. The letter was sent certified mail on April 6, 2023. As of today, May 26, 2023, I have not received any response to my request for evidence that I owe this debt. I want this debt (collection account) removed from my credit reports immediately. I also demand all calls and harassment stop.

  

  Business Response

  Date: 06/01/2023

  Dear Ms. ********
  
  This letter
  is in response to your correspondence submitted to the Better Business Bureau
  (“BBB”). 
  
  Your
  statements allege that Kansas Counselors, Inc. (KCI) has failed to validate
  your debt.  I want to take a moment to
  address your concern.
  
  First,
  as is required by the Fair Debt Collection Practices Act (FDCPA), and is
  strictly followed by KCI, an initial notice is sent to all legal guarantors on
  delinquent accounts placed with our agency. This notice contains our agency
  name, the name of the original creditor, your account number, the date of
  service, the exact amount owed, the full mini-Miranda, and the full statement
  of your rights to dispute and to request validation of the debt(s) in writing
  within thirty (30) days of receiving the notice. 
  
  KCI
  mailed you a dunning notice for the above-referenced account on 06/08/22. The
  letter sent to your address was not returned via the US Postal Service.  You did not exercise your rights within the
  time frame prescribed by law. 
  
  Until
  receiving your complaint via the Better Business Bureau Complaint Portal, the
  only correspondence we have received was your certified dispute letter
  postmarked April 6, 2023.  KCI promptly
  marked your account as disputed in compliance with the FDCPA.
  
  Please
  understand, after receipt of your letter, more than a year after the expiration
  of the validation period afforded you under federal law, KCI is not under any obligation to send any additional materials to you.
  
  Nevertheless,
  as a courtesy to you, I am mailing you a copy of the itemized bill for your
  debt. This document is directly from the original creditor and serves as
  validation of the services rendered to you by the City of Kansas City, Missouri
  for ambulance services to Research Medical Center from your home, located at ***** ********* ***** **** ** ** ******** *** *****  I do not wish to attach it here so as to safeguard
  your rights under the Health Insurance Portability and Accountability Act
  HIPAA). You may keep this for your records.
  
  Unfortunately,
  we cannot, at this time, agree to your desired resolution on your account based
  on the fact that KCI has complied with federal law regarding notice
  requirements and our verification efforts indicate you are the responsible
  party in this case, and that you have failed to pay the delinquent
  balance.  In the event you should decide
  to resolve this debt, please feel free to contact my office to speak with a
  helpful representative who will gladly assist you.
  
  I
  wish to personally thank you for your correspondence and appreciate the
  opportunity to alleviate your concerns. KCI has now responded and considers
  this matter closed. 
  
  
  **********
  
  
  ***** ***** *****
  ******** ** **********
  
  
  **** ************* ** **** * **** **********  **** ** ** ******* ** ******* * **** *** *** *********** ******** **** ** **** *** **** purpose.
  

• Initial Complaint

  Date:05/20/2023

  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.

  Kansas Counselors has posted a derogatory collection account to my Experian and TransUnion credit files in violation of the FDCPA. I was never notified of this debt, do not know who the original creditor is, have not had a chance to dispute the alleged debt or ask for validation of the alleged debt. I would also like verification that KCI can collect in my state of Florida and that the statute of limitations has not passed on this alleged debt.

  

  Business Response

  Date: 05/21/2023

  Dear Ms. *** ******
  
  This letter
  is in response to your correspondence submitted to the Better Business Bureau
  (“BBB”). 
  
  Your
  statement indicates that you allege that Kansas Counselors, Inc. did not
  contact you before furnishing information regarding your debt to the credit
  reporting agencies (CRAs).  I want to
  take a moment to address your concern.
  
  First, as is required by the Fair Debt Collection Practices Act
  (FDCPA), and is strictly followed by KCI, an initial notice is sent to all
  legal guarantors on delinquent accounts placed with our agency. This notice
  contains our agency name, the name of the original creditor, your account
  number, the date of service, the exact amount owed, the full mini-Miranda, and
  the full statement of your rights to dispute and to request validation of the
  debt(s) in writing within thirty (30) days of receiving the notice. 
  
  KCI
  mailed you a dunning notice on 06/03/22. The letter sent to your address was
  not returned via the US Postal Service.  This
  satisfies the requirements for notification under Regulation F. 
  
  You
  did not exercise your rights within the time frame prescribed by law.  Moreover, this is not the only written
  correspondence we have mailed to you, since you have additional unpaid debts in
  our office.  However, the account
  referenced above is the only account currently being reported by KCI to the
  credit reporting agencies under your name.
  
  Until
  receiving your complaint via the Better Business Bureau Complaint Portal, KCI
  has never received any written correspondence from you.  Your complaint did not dispute this debt and
  we have not directly received any verbal or written FCRA dispute from you.
  
  As
  for your query regarding our licensing in the state of Florida, KCI is
  currently licensed, active and in good standing.  *** ******* ****** ***  ***********
  
  As
  for the query regarding the statute of limitations, the date of service stems
  from services rendered to you by the emergency room physician (Dr. **** ******)
  at St. Luke’s Northland Hospital, located in Kansas City, MO on 10/18/21.  The statute of limitation for written and
  oral contracts in the state of Missouri is ten (10) and five (5) years,
  respectively.  The statute of limitation
  for written and oral contracts in the state of Florida is five (5) and four (4)
  years, respectively.  In neither state
  has the statute of limitations expired.  
  
  Unfortunately,
  we cannot, at this time, agree to your desired resolution on your account based
  on the fact that KCI has complied with federal law regarding notice
  requirements, and state law regarding licensing.  In the event you should decide to resolve
  this debt, please feel free to contact my office to speak with a helpful
  representative who will gladly assist you.
  
  I
  wish to personally thank you for your correspondence and appreciate the
  opportunity to alleviate your concerns. KCI has now responded and considers
  this matter closed. 
  
  
  **********
  
  
  ***** ***** *****
  ******** ** **********
  
  
  **** ************* ** **** * **** **********  **** ** ** ******* ** ******* * **** *** *** *********** ******** **** ** **** *** **** ********

  Customer Answer

  Date: 05/22/2023

  *** ****** ** ** ******** **** ****** ** * ****** *** **** **** ** * ****** *** *** *** ********* *** ********* ** ** ****** ** ******** **** ********* **** ** ****** ** ******* **********
  
  ********** ********
  
  
  
  I am rejecting this response because:
  
  Please provide proof of the letter that was supposedly sent in June 2022. I have received no letter. You likely sent a letter to an incorrect address. 
  

  You stayed I never disputed the debt that is because I never knew this debt existed. It seems odd to have such a high amount allegedly owed when I had insurance. 
  

  As a minority woman, this seems extremely predatory and racist. You state just mailing a letter satisfies the notification requirement on your end even though you sent the letter to an incorrect address. It is not my fault if someone doesn’t take the time to write “not at this address” and return the mail. Mail forwarding only lasts so long.
  

  Several weeks ago a family member told me she received a call from a company looking for me. When I researched the number I saw it was KCI. I had zero clue what this could be so I disregarded the call as spam. I have the screen shot she sent me. But I know for a fact you guys were calling my family now which also seems wrong. KCI never called me directly. Tells me you were working off outdated data which also makes sense that you would send any communication to an incorrect address. 
  

  I am also going to file a complaint with other regulatory bodies because what you guys are doing here is not ethical and I do not believe complies with the intent of the FDCPA. In this economy to just post a debt and lie about sending me a letter one year ago to an incorrect address is beyond the pale. If you did send me a letter a year ago why would you just post the collection now and not at the end of the 30 days in July 2022 as per your message. This all makes no logical sense.
  

  Again, if you show reason, delete these collections, verify the debt I’m happy to pay something I actually owe. But not under these circumstances where you are tricking the system to ruin people’s credit with no notice. 

  TS

  

  Business Response

  Date: 05/22/2023

  *** *** ******

  Although I am under no obligation to provide this information to you, I have attached the actual letter copy of the dunning notice mailed to you on 06/22/23, as well as the DAKCS Beyond system confirmation of the letter generation.  You will notice three entries because you were sent three (3) notices on that day, as you currently have three bad debt accounts referred for collection and open with our office. 

  My apologies if you misunderstood my statement regarding the fact that you have not disputed the debt.  This was not in reference to your claim of not having received the dunning notice(s) in question that was mailed to you, but in reference to the fact that your current complaint did not provide explicit nor implied language to indicate you are actively disputing the debt(s) in question.  Based on your follow-up correspondence, I must assume you are now disputing the debt and have marked the applicable account as disputed.  Please advise if this is not the case.

  Your statements regarding thirty (30) days refers to the length of time a consumer has to request validation in writing after receipt of the initial dunning notice.  This is not to be confused with the current time delay established by the credit reporting agencies for furnishing data to a consumer's trade line for medical debt.

  Lastly, you have several telephone numbers associated with your account(s).  KCI is allowed by law to seek location information or to call any numbers you have provided the original creditor as long as debt information is not communicated to an unauthorized third-party.  KCI digitally records its calls to protect both consumers and agency alike.

  As stated previously, should you decide to resolve your outstanding obligations to MEP, LLC. you may contact our office directly or visit our consumer portal at *****************

  I appreciate the opportunity to assist you.

   

  Scott Tacke

  Director of Compliance

   

  This communication is form a debt collector.

   

  Customer Answer

  Date: 05/23/2023

  *** ****** ** ** ******** **** ****** ** * ****** *** **** **** ** * ****** *** *** *** ********* *** ********* ** ** ****** ** ******** **** ********* **** ** ****** ** ******* **********
  
  ********** ********
  
  
  
  I am rejecting this response because:
  
  
  The first attachment was sent in September to my address in Orlando which is a correct address and coincidentally one I provided yesterday however I never received this letter. I was out of the town in August-September and during this time hurricane Ian hit which affected the mail. So, while I don’t believe KCI sent the letter it’s possible they did and the letter was affected by the flood.
  

  The second attachment shows a very old address in Lees Summit MO that I haven’t lived at in ten years. There would obviously be no mail forwarding for a place I haven’t lived at for a decade.
  

  Given this old and outdated information I’m very curious why my Aunt was called as that number has never been associated with me and is not on any of my credit information.

  I’m also wondering if my HIPAA rights were violated. What information was sent to you? I feel as though more than the minimum necessary standard may have been shared here because it’s very clear what has happened thus far has been unethical at best.
  

  Again I’m requesting deletion of the collection, dispute, validation and if I do owe something I’m happy to pay if the collection is deleted and not just reported as paid. A paid collection does not improve my FICO score.

  I am also going to filing a complaint with the CFPB  

  
  
  
  ***** *** *****

  

  Business Response

  Date: 05/23/2023

  *** *** ******
  The letter attached
  (3******) with the ******* address was sent to you in error and has no bearing
  on your complaint.  It was inadvertently attached when responding to your
  rejection.
  When I recognized
  the mistake, I sent the correct image to the Better Business Bureau this
  morning.  I apologize for the confusion.
  The correct notice
  is for Account Number ********
  The address the
  notice was mailed to is the address you previously provided to the facility
  where you were seen.  KCI has acted as
  required by law with regard to this notification.  Nevertheless, if you claim not to have
  received this, the pertinent attachment fulfills this notification.  Additionally, you have the right to dispute
  the debt (which I addressed in my previous response) as well as the right to
  request validation of the debt, and you have done so.
  The information
  contained on the dunning notice is the extent of the information disclosed by the covered entity to
  KCI (Business Associate) for the purpose of payment and in compliance with HIPAA.
  Now that you have requested validation of the debt, I have obtained a verification document in compliance with the Fair
  Debt Collection Practices Act and Regulation F. 
  I am mailing you a copy of the itemized bill for your debt to the
  address you have confirmed. This document is directly from the original
  creditor and serves as validation of the services rendered to you by the
  emergency room physician (Dr. R*** ******) at St. Luke’s Northland Hospital –
  Barry Road on 10/18/21.  I do not wish to
  attach it here so as to safeguard your rights under the Health Insurance
  Portability and Accountability Act (HIPAA). You may keep this for your records.
  When researching
  your complaint, I was informed that you have previously been in contact with
  the original provider regarding this particular debt.  In fact, not only have you contacted their
  office on more than one occasion, but you also established a payment
  arrangement with their office back in February of 2022.  Unfortunately, you made only one payment of
  $73.83 on 03/31/22. These statements are verified by the notes on the original
  provider’s itemized statement.
  Lastly, it is KCI’s
  practice, and the policy of the national credit reporting agencies, (NCRAs) to
  fully delete paid in full medical debt. 
  As such, should you decide to pay your outstanding balance, I will
  submit a request for full deletion of the item from your trade line with the
  NCRAs.

   

  ***** *****
  
  ******** ** **********
  
   
  
  **** ************* ** **** * **** **********

• Initial Complaint

  Date:05/13/2023

  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 accrued medical bills while waiting on SSDI approval. I have since sold my home so attempting to pay down medical debt. Over the past year I have sent 4 letters to the PO Box listed on the website. My letter is professional with my address clearly displayed for correspondence. I have received 0 responses and no official statement to even have a reference number to log into the system. When I tried calling they can’t locate me. I’m just trying to satisfy my debt but have no means to do so. It’s affecting my livelihood. I don’t have much but have offered 4K along with evidence of permanent SSDI.

  

  Business Response

  Date: 05/14/2023

  Dear, *** *******:  Contrary to the statements in your complaint, aside from the two (2) certified letters you sent to KCI requesting settlement of your accounts, you have made no other attempts to communicate with our office regarding your bills. In fact, on 05/09/23 and 05/10/23, a KCI representative called you to discuss your most recent offer, but the call went directly to voice mail and you have not returned the call or message. Your most recent reduction offer represented approximately 27% of the amount you owe on the specific accounts you cited and was summarily declined by both the original provider and KCI. Despite your contention that you do not have specific account information, you settlement offers have been very specific.  Nonetheless, we would be happy to provide more detailed information should you decide to telephone our office to discuss them. You may also visit our website at *****************.  At the Home screen, click on Make a Payment.  At the next screen, click Pay with a Credit Card.  This will display the self-service portal screen and by clicking the box entitled 'Find My Balance', you will be prompted to enter personal identifiers which will display the accounts we currently have in our database under your name. I trust one of these options will assist you

  Customer Answer

  Date: 05/15/2023

  [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 as Assumed Answered] 
  
  Complaint: ********
  
  I am rejecting this response because:  I have not received any calls or voicemails from this company. The only specifics I have are based off my collections listed on my credit report. I have no further access to any information including evidence of the validity of the debts. According to your website I need a reference number but since I have not received any written documentation from this organization I have no reference number to access anything. I began sending letters in May of 2022. This was now a year ago. I have received no correspondence in return. There has been no efforts to resolve this matter on the side of your company. I’m seeking resolution with what little I have to offer. As someone on SSDI the debt will be uncollectable and I have offered all I have in terms of assets. I am a single mother trying to get by and doing what little I can so I’m sorry I can’t provide more. I guess it just will remain unsettled.

  
  Regards,
  
  ***** *******

  

  Business Response

  Date: 05/15/2023

  The statement that we have not called is untrue.  In fact, I will have a representative call again this morning at ***** ********.  If this number is incorrect, please advise.

  The fact that a representative cannot locate you is also untrue.  For your reference, try using Reference # *******.

  The statements regarding the website are also untrue (see attached).

  Customer Answer

  Date: 05/15/2023

  [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 as Assumed Answered] 
  
  Complaint: ********
  
  I am rejecting this response because:
  

  The statements from this company are false. They couldn’t possibly have left a VM considering I literally just set it up. I have sent written correspondence while there has been no written correspondence nor no attempt to reconcile this issue other than to call me a liar. I’ve made multiple efforts on my part. They even acknowledge this. Clearly there is no desire to rectify this situation. I will focus my efforts elsewhere.