| 01/18/2018 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Its evident that Emerarld AR System do n't have proper documentation to collect this invalid debt. I do have access to files that were not signed by me, because I do n't recall signing any documents ; which is why I 'm requesting the documents that " I signed '' from Emerald AR System. I have the right to request documentation with my " physical signature ; '' as identity theft is at an all time high. Feel free to respond to this complaint with '' XXXX RELEASE '' - Medical records and or Documents signed by me. If Emerald AR System have a right to collect, they have a duty to produce legitimate validation. Until I receive documentation requested ; my HIPPA rights are being violated. **The attached forms does not show any signatures provided from Emerald AR System THIS IS NOT MY DEBT** I am aware of my rights. As such, under Section 809 ( b ) collection efforts must cease until verification is obtained- including pursuing this debt through an authorized representative to collect on this alleged debt. At this time we will also inform you that your offices have reported invalidated information the 3 major Credit Bureaus ( XXXX, XXXX and XXXX ) and this action could constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any credit reports belonging to either of us by your company, the company you have authorized to collect or the company that you represent seven days from the date of this notice, we will not hesitate in bringing legal action against you for the following : * Violation of the Fair Credit Reporting Act * Violation of the Fair Debt Collection Practices Act * Defamation of Character During this validation period, if any action is taken which could be considered detrimental to any of our credit reports, we will consult with our legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 5 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my places of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX.
This is an attempt to correct your records, any information obtained shall be used for that purpose.
|
| 03/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681.
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The information that Emerald AR Systems claimed to forward on XX/XX/18 CFPB complaint # : XXXX has never been received via mail or using CFPB. You have ignored my request to provide me with the documents that you have in your files that you used to validate the disputed account which means that you have NOT validated or you can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE information which you can not validate. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately.
A copy of this complaint as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I do not have a signed contract nor any contract with Emerald AR Systems. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Emerald AR Systems. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the item listed is not removed from my credit report within 10 days.
|
| 07/18/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/2017, I had a medical appt with XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX whereby his office was to bill my insurance company, XXXX XXXX since the visit was pre-approved and he was listed as my primary care physician.
Although I have had several appts since that date, his office, XXXX XXXX XXXX continued for several months to send the {$180.00} invoice to my residence. Each month upon receipt of the invoice, I contacted Access as to why the bill had not yet been paid.
Each month, the ins co indicated that the provider has incorrectly coded the visit. They assured me that once the provider submits the correct info, they are happy to pay the invoice since I most certainly have coverage. I am also told to disregard the bill and that because I am on XXXX, it is against the law for the provider to bill or harass me for payment.
This same loop has gone on monthly for over one YEAR, during which time, the bill was sent to Collections and I have had to communicate the same info to them. Finally, the last 2 months, I had XXXX on a 3 way call to resolve this situation. The Collections Agency-Emerald AR Systems, the provider-XXXX XXXX XXXX XXXX XXXX, the med ins co-XXXX XXXX, and I all understood that it is the provider who has REFUSED to submit the necessary info for the bill to be paid. I was again told by XXXX that I am not liable nor should I have to deal with this monthly aggravation, and that all parties are on board as to what needs to be done on their part to resolve the bill months ago!
Just yesterday, I received ANOTHER letter from Emerald AR Systems, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX stating that the provider has closed the acct and directs the Collection Agency to collect from me. The acct # XXXX Please help because the incompetence and the refusal to submit the appropriate claim for payment is shocking and I am being unduly harassed.
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| 11/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I had an on the job injury involving my XXXX XXXX. I was given a claim number regarding my injury through XXXX, Department of Labor. My Doctor ordered an XXXX at XXXX XXXX XXXX XXXX XXXX approximately XX/XX/XXXX. The bill was never paid by the Department of Labor because if an incorrect code on the bill. I started to receive letters saying I either pay the bill or it goes to collections. I have called both XXXX XXXX on numerous occasions as well as 3 way calls with my Human Resources dept with XXXX XXXX. The last conversation with XXXX XXXX was approximately XX/XX/XXXX and I was told that the Department of labor paid the bill of {$1200.00} but there was a banking issue with them receiving the funds. I was told that same conversation that I would be taken off the collections effort by Emerald Ar collections. I asked for a receipt of this transaction either by mail or email and the person I spoke with said they would proof that the situation was handled and it was in their hands to get the banking issue resolved. I have spoken with the DOL and they claim they paid the bill as well.
The debt collector Emerald Ar collections just charged off the entire amount {$1200.00} to my impeccable credit lowering it about 60 points as of XX/XX/XXXX.
XXXX XXXX Is located XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, phone ( XXXX ) XXXX Emerald Ar Collections phone ( XXXX ) XXXX. Please help me in this matter as I dont know what else I can do. Thank you for your time. Respectfully.
|
| 10/12/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I do not have a signed contract nor any contract with EMERALD AR SYSTEMS. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with EMERALD AR SYSTEMS. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to collect any debt. I am in receipt of my credit report dated on XXXX XXXX, XXXX and I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for your company to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
|
| 12/09/2020 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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I did owe this medical debt, but had since paid off to Emerald AR months ago, I asked them to update my credit as I've been trying to fix my credit to buy a home. After the months have gone by, Emerald has not updated my status with XX/XX/XXXX and this results in me paying higher interest, not being able to get into a better loans and better terms.
I asked for a letter of XX/XX/XXXX balance, Emerald, as with vast majority of other collection agencies would not do and other than " we will mail you a Letter/Receipt! '' In the day and age of instant everything, a payment confirmation takes seconds, yet they apply this tactic to avoid a paper trail so that the consumers can not prove that they slack off on updating credit in a timely manner. In my case, it has taken months to no avail.
This is no small matter, it affects my ability to get a mortgage loan, and it costs me money long term. I'm not an isolated case that are damaged by these collection agencies - They just want the money, and get away with it.
|
| 01/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
Emerald AR Systems is harassing me. New items appear on all ( 3 ) of my credit reports and they are items which have been paid / and or included in my Bankruptcy. The original companies are : XXXX XXXX and XXXX, and XXXX XXXX.
Emerald AR Systems is conducting FRAUD by trying to collect on already paid invoices. I received the latest Invoice which was dated : XX/XX/XXXX for ( 3 ) items with service dates of : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all XXXX XXXX which were included on my XXXX Bankruptcy. They even addressed it to XXXX XXXX which that has not been my last name for over 12 years. I continue to be harassed with daily phone calls, and even though I have disputed with ( 3 ) major Credit Reporting Agencies, Emerald will state they are accurate or they will rename the same invoice and change the date. FRAUD
|
| 04/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by separate collection agencies, one being. Emerald AR Systems I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX, to XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame. I received a response statement with a XXXX dollar balance. I sent a secondary letter requesting this information be deleted in XX/XX/XXXX and have not received a response in regards to this.
|
| 05/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I contacted emerald Ar Systems inc around XXXX regarding the balance of XXXX . I asked them to negotiate this amount based on a affordable settlement offer. This collection agency failed to renotify me of this debt and also failed to come up with a settlement offer based on the fact i do have a pre existing condition that needs further treatment for the rest of my life based on a accident i had back in the year of XXXX . No one contacted me by mail or by phone regarding this account. I did my part by contacting them and trying to negotiate this matter so it was affordable and paid in full.
|
| 02/22/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
These charges related to my XXXX that took place on XXXX XXXX have been, for the most part, written off as XXXX who I settled my hospital dept of {$10000.00} for {$270.00}.
The reason being XXXX fold. The first reason is that I have a witness, who drove me to my XXXX that day that the hospital representative said my insurance would cover 100 % of my costs related to my XXXX. Later, I was notified that my insurance would not cover it.
Also, I am currently retired and only receiving {$860.00} per month to live on, with not a cent left over.
|
| 08/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with EMERALD AR ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, EMERALD AR ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
|
| 04/14/2021 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I received a bill from XXXX XXXX for {$150.00} for amount not paid by insurance company, statement date XX/XX/XXXX. I paid this bill using my XXXX XXXX XXXX on XX/XX/XXXX.
I was rebilled for the exact same bill and amount saying it was past due. They turned it over to Emerald XXXX. I disputed the bill, they validated the bill.
The bill was already paid.
|
| 07/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am a member of XXXX and not supposed to be billed for medical bills covered by XXXX or deductibles. XXXX XXXX billed me for {$43.00} and I explained this to them. I gave them both my XXXX and XXXX information. They sent me to collections with Emerald AR Systems. I contacted XXXX at Emerald AR Systems on XX/XX/2020 and explained I was XXXX.
|
| 01/01/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/20/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 06/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/19/2018 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/22/2017 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/19/2017 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/30/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/31/2016 |
Yes |
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 03/15/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
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|
| 03/15/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/25/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 02/04/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
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