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Meade & Associates

Phone: (614) 436-6160 Fax: (614) 841-0581 View Additional Phone Numbers 737 Enterprise Dr, Westerville, OH 43081 http://www.meadeandassociates.com

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BBB Accreditation

A BBB Accredited Business since

BBB has determined that Meade & Associates meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that raised the rating for Meade & Associates include:

  • Length of time business has been operating.
  • Complaint volume filed with BBB for business of this size.
  • Response to 72 complaint(s) filed against business.
  • Resolution of complaint(s) filed against business.
  • BBB has sufficient background information on this business.

Industry Ratings Comparison | Chart


Customer Complaints Summary Read complaint details

72 complaints closed with BBB in last 3 years | 31 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 1
Billing/Collection Issues 58
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 13
Total Closed Complaints 72

Customer Reviews Summary Read customer reviews

4 Customer Reviews on Meade & Associates
Customer Experience Total Customer Reviews
Positive Experience 1
Neutral Experience 0
Negative Experience 3
Total Customer Reviews 4

Additional Information

top
BBB file opened: September 26, 1979 Business started: 07/16/1978 Business started locally: 07/16/1978
Type of Entity

Corporation

Business Management
Mr. Brian Meade, President Mr. Tony Martini, Office Manager/Customer Relations Mr. Rodney Meade, VP Mr. Sean Meade, Sales/Business Relations Ms. Latosha Unknown, Receptionist
Contact Information
Customer Contact: Mr. Tony Martini, Office Manager/Customer Relations
Principal: Mr. Brian Meade, President
Business Category

Collection Agencies Financial Planning Consultants

Industry Tips
Credit - BBB General Statement For All Debt, Credit TOBs

Additional Locations

  • 737 Enterprise Dr

    Westerville, OH 43081 (614) 635-8115 (614) 635-8116

  • 1
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Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

  • Advertising or Sales
  • Billing or Collection
  • Problems with Products or Services
  • Delivery
  • Guarantee or Warranty

We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.

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BBB Complaint Process

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Additional Phone Numbers

  • (614) 635-8115(Phone)
  • (614) 635-8116(Phone)
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Complaint Detail(s)

7/3/2014 Billing/Collection Issues
6/30/2014 Billing/Collection Issues
6/13/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint:  ###-###-####--called him for his 12 year old son and wanted to him to pay this bill. He told them he was 12 years old. Gave them a few choice words and hung up on them. He thinks it was a scam and wanted to report it. He called back saying it was a bill he owed but wanted to file a complaint because they called for his 12 year old son and he was not happy about that.

Desired Settlement: He wants the calls to stop.

Business Response: While we feel bad that we called and asked for a 12 year old, we were not aware of that at the time.  When informed that we were looking for a minor, we attempted to speak with *** ***** but he became abusive to our staff.  At the time, we had no responsible party except the child, but since *** ***** informed him that he was the father, his name was added but he has failed to resolve it.  We do the best we can with the information provided and we had no other name listed in our system to go on.  Again, our apologies, but we do what we can with the information provided.  Should *** ***** want to resolve, he is welcome to call our office.  

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/21/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint:  The consumer has been receiving calls from ###-###-#### for a **** ******. The consumer states she does not know this individual and the company continues to call. The consumer states that she has asked the company to stop calling several times and they continue. The consumer is on the do not call registry and has been longer than 31 days.

Desired Settlement: The consumer wants the calls to stop.

Business Response: We have been calling, but we have not called since 3.20.2014 when we were told this is a wrong number and not to call back.  Prior to that, we had never spoken with anyone at that number so therefore, they could not have told us not to call back. 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/16/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: There was unauthorized work done on my property & when I refused to pay they hired Meade & Associates to try to collect the debt. When they sent me a letter to collect, I immediately sent a letter pursuant to the Fair Debt Collections Practices Act. Meade and Associates reported the debt "as in collections" to Credit Bureau, therefore negatively affecting my credit.

Desired Settlement: I want them to #1 eradicate this mark against my credit & #2 compensate monetarily to the extent the law allows to my favorite charity or organization.

Business Response: We have already responded to *** ****** through her complaint filed with the CFPB.  Our response is the same:  

Although ***** *******'s account is valid and Meade & Associates, Inc. believes has been worked and reported correctly as allowed by our governing laws. We have requested all credit bureaus remove the outstanding record of debt due to Adam's Tree Care from their records as soon as able.

We requested deletion on 3.10.2014.  To our knowledge this has happened.  If it has not, please provide a copy of the credit report so we can further investigate.

Consumer Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Complaint: 9996641

Meade & Associates stand still remains that this is a valid debt.  They broke the rules pursuant to the Fair Debt Collection Practices Act.

The debt is NOT valid.  Adams Tree Care very own document states that work will begin once signed copy of estimate was received, THEN they would come and do the work.  I repeatly asked for that document and it was not provided to me.  Also, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 890 (b), I wrote and letter and specifically stated that Meade and Associates was NOT to report anything negative against my credit and yet they did exactly that.  It prevented me from refinancing my home.

I understand my rights as a consumer...so I know that I can take legal action against any and all parties.  The debt was/is NOT valid, proof was not presented that it was valid, there was NO verbal agreement, Adams Tree Care own document states written authorization is required for work to be done.

This matter is not resolved. At the very least, I am owed a formal apology from Meade and Associates for negatively affecting my credit.

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






























Business Response: We have returned this account to our client.  As mentioned prior, we have already had the account removed from *** ******** credit report.

Consumer Response:

The following account is listed as in collections on your credit report:  As of today, April 14, 2014, this has not been removed.  I have been also been in touch with credit bureau...it is still showing negatively against my credit.  

Account:   Balance: Payment Status:
1. MEADE & ASSC   $795 In Collections

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

Business Response: Attached is a copy of the form filed on 3.10.14.  If the credit bureaus have not updated their records, there is not much more we can do.  *** ****** can also dispute the account on her credit and we would of course tell them if needs to be deleted as we asked on 3.10.14.

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

4/16/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: The customer service or collection rep was rude I spoke with her today 04/15/2014. She was very rude i contacted her to advise that I had paid 2 of the outstanding medical bills and I am requesting a paid and delete letter like any other collection agency would. She told me I should have paid them I advised her I did attempt to pay them but it wouldnt go through on there end so I went back to the client and paid the amounts owed and I needed a paid in full delete letter. She then stated they will not remove it from my credit bureau I should have paid them there is no such thing as a paid and delete letter. They have to wait for the client to tell them it was paid and then they will put in paid in full status and mark it as paid on my credit report. This is not the proper procedure and she should have assisted more instead of saying I have to wait you can contact the client yourself. Very very rude over talking me telling me this doesnt exist.

Desired Settlement: They need to delete the items from my credit report immedaitely they are paid.

Business Response: *** ***** wants these accounts deleted from her credit report as they are paid in full.  This is not something that can be done.  We have multiple accounts, but we are assuming she is only referring to the two she just paid on 4.14.14.  They are account #'s ##### & #####.  As they were just paid on 4.14.14, we will update the credit files the first week of the following month, as is normal procedure.  Secondly, she would like them deleted from her credit report.  We have a obligation and an agreement with the credit bureau's to report true an accurate information to them.  The truth is, ** ****** had several accounts come to collections.  We sent a letter to the address used in the complaint and made multiple phone calls to the phone # used in the complaint.  We received no response.  Therefore, we accurately reported the accounts to her personal credit file.  They were not placed incorrectly, and therefore, we cannot corrupt the integrity of our data provided to the credit report and delete these accounts from her credit just because they are now paid.  As mentioned before, we will gladly update the credit report to reflect that 2 of her accounts are now paid in full, but we cannot delete the accounts from her credit report.  

Consumer Response: I have reviewed the response made by the business in reference to complaint ID ####, and find that this resolution is satisfactory to me.

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

BBB's Final Determination: Consumer accepted resolution offered by the business.

3/25/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I contacted Meade & associates & talked to associate ***** ******* to resolve bad checks disputed on my credit report & was given false account information. Specifically that my date of birth & social security number were attached to the checking account. After verifying with the banks & police that this was not true I feel this company & ***** ******* have incited a false panic & fraud alert.

Desired Settlement: Evidence of Disciplinary action & an apology.

Business Response: Up until March 18th, 2014, we had information that told us *** ****** was responsible for these checks.  After speaking with him, *** ******* determined that they were listed incorrectly, and she has contacted the credit bureau's to have the information removed from *** ******'s credit file.  We apologize for any frustration this has caused, but there was no intent to cause a false panic or fraud alert.

Consumer Response:

************
Unfortunately I can not lawfully send you any information knowing that you are going to share
it with Meade & Associates concerning complaint ID ####### as this may show my willingness to participate
in what I am preparing to seek prosecution for which is criminal activity that led up to the need to file
complaint ID #######

I am willing however to consider this matter resolved & no longer seek prosecution and release Meade & Associates
and any and all parties who participated in this particular matter of any and all liability if Meade & Associates will agree to
comply with the following but I absolutely will not sign anything. This will be a verbal agreement to which I fully
understand is binding & lawful but I can not be responsible if there are already consequences that will arise from what I
have done already or that I have no authority to stop but will do my absolute best to convince any authority having jurisdiction
that I have been convinced that this could possibly be the result of a clerical error and that I am completely convinced that there
was no criminal misconduct. However I do not intend to stop my due diligence in this matter in the slightest until I receive notice that Meade & Associates
has agreed to fully comply with all of the following.

1. I would like Meade & Associates to gather any information they have on this matter. Pull together no less than 12 and no more than 12
employees or associates & have a review of all the information they have in what I would like to think would be a business ethics
review concerning this matter and that *** ******* is to be 1 of the 12 and that this meeting not end until all 12 are in
agreement of the following.

1. This entire incident could have been avoided had they properly checked the driver’s license ID printed on the checks involved.

2. That the mishandling of this information whether it was accidental or intentional violated my rights in
every part of section 623 Responsibilities of furnishers of information to consumer reporting agencies that
I have cut & pasted below and have also intentionally or accidently may include mail fraud and that All of these
are very serious criminal offenses and that they carry with them intentionally stiff penalties & or prison sentences.
Mutually research and agree that informing a caller that his call may be recorded also gives him or her the right to record the same call. 

3. That you all try to view this from my perspective and agree That from my perspective your company at this time has a very potential
criminal reflection and you reflect the image of a criminal enterprise hiding in plain sight & that if you were to use false information to make me gather
information for you it is in fact making me do criminal activity for you.  

4. All agree that this is not the proper way to lawfully conduct business & agree that it does not reflect a company with a Better Business
Bureau Rating of A+ and all agree that there is not a single person in the room that would like to see what prison is like.

5. Call the better business bureau and report to them that you just had a company ethics review as part of a resolution to a dispute.
And you have found that you have not conducted business in a manner that reflects an A+ BBB rating. If you work with them I am sure you can
make this rating drop without risking prison if you put your mind to it and I am not asking you to perform any illegal activity.
Then inform them that you have plans to promote ethics reform and that you will be contacting them again soon with proof of this as
Meade & Associates will accept no less than conducting business in a fair and professional manner and be deserving of an A+ BBB rating.  

Below is the bulk of section 623 that as I see it relates to ethical & lawful responsibilities of your company. I cut & pasted it so it is
word for word and seems by design to be very clear. As an act of good faith and not just to me but to anyone else who does business with you in
the future will be aware that you know these responsibilities and take them seriously. I want you to adopt enforcing these responsibilities as your
creed & include the section 623 that I have cut and pasted below in your business mission statement and also under the pay online button on your website
and that the new creed / mission statement to be as clearly legible as the pay online button. Display this creed / mission statement in all of your lobbies & break rooms on no less
than a 36 inch by 48 inches professionally crafted signage and that the section 623 pasted below be perfectly legible to a person standing at least 4 feet
away and as a binding part of this agreement and shall always & forever be displayed prominently and unobstructed and accessible to the public during normal business hours without
the public having to have a key or being granted access to. Even if this means displaying the mission statement on the outside of the building. You can write
your own intro to this creed but the following must be included word for word & all signage promptly updated if the section 623 should change and ownership of this resposibility mandatory to transfer to new owners should this business ever be sold, bought, transferred or consolidated and for all intent and purpose permanantly.

§ 623 Responsibilities of furnishers of information to consumer reporting agencies

§ 623. Responsibilities of furnishers of information to consumer reporting agencies [15 U.S.C.
§ 1681s-2]
(a) Duty of furnishers of information to provide accurate information.
(1) Prohibition.
(A) Reporting information with actual knowledge of errors. A person shall
not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing
that the information is inaccurate.
(B) Reporting information after notice and confirmation of errors. A person
shall not furnish information relating to a consumer to any consumer
reporting agency if
(i) the person has been notified by the consumer, at the address
specified by the person for such notices, that specific
information is inaccurate; and
(ii) the information is, in fact, inaccurate.

Have this group of 12 draft the intro to your new creed / mission statement. I encourage you then to seek professionals of the highest order to make this be as professionally
adopting as possible but all 12 must agree.

6. Print out your new creed / mission statement. Make a copy for every single person and mandatory that everyone in the entire company be available for this exercise.
Find an area large enough for all of your employees to safely occupy with a speaker phone. Practice reciting your new creed / mission statement until you have yourselves
perfectly in unison and in a professional manner as if you were reciting the pledge of allegiance.

7. Call the better business bureau and inform them that you have adopted section 623 as a creed into your mission statement and are prepared to show proof of your commitment
to conduct business in a manner worthy of an A+ BBB Rating. Ask them if they would please put you on speaker phone & to gather as many of their employees as is safely possible together
and to be prepared to record evidence of your commitment to conduct business in a manner that is worthy of an A+ Better Business Rating.

8. Confirm that the Better business bureau is ready to record and ready to go. Have all your employees recite your new creed / mission statement in unison. As if you were
reciting the pledge of allegiance.

9. Be prepared for what I imagine will be a standing ovation.

As for the proper apology that I want. I will accept only from *** ******* on a standard 8.5 inch by 11 inch paper with Meade & Associates letterhead only exactly what follows.

Dear *** ******,

After our company’s review of your complaint and the ethics review that followed I am thoroughly convinced that I should not have asked you to "Bring IT"
I am truely sorry Please do not ever "Bring IT" again.

Sincerely, and seriously please stop.

And hand signed in cursive as beautifully as she can but not in any way that could be mistaken as her real signature by *** *******

this letter should be arranged to look as professional as possible and also be aesthetically pleasing.

Only after receiving this letter which I will authorize to be sent to me by mail and I receive pictures
of the new creed / mission statement signs and approve of the location of and also have been notified that your company does not have an
A+ BBB rating will I consider that this matter is resolved to my satisfaction.

I will pause my due diligence in pursuing this matter upon notification that the Meade & Associates and any and all parties who
participated in this particular matter intend to fully comply but expect this to be done as fast as is humanly possible and a date
to which I can expect this company to be fully in compliance in a response.

If however Meade & Associates does not agree I ask that the Better Business Bureau expedite the notification of any and all authorities having Jurisdiction in this
matter that I wish to seek prosicution for any and all criminal activity associated to the fullest extent of the law.
Regards,
******* ****** 

BBB's Final Determination: BBB determined that while the business addressed the complaint issues, the complanant was dissatisfied and the matter was outside the BBB Rules of Arbitration.

3/14/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The consumer has a complaint against Meade & Associates. They are calling her attempting to collect a debt for a bank. She states that they are rude to her when she can't make a payment and threaten her.

Desired Settlement: She wants to report their collecting tactics.

Business Response: Our apologies to Ms. ******** for any rudeness she felt was in the phone call, however, we feel she is also upset at the situation in reviewing the account.  She wrote a bad check to our client.  She tried to pay that bad check with a partial payment with another personal check directly to our client.  It is their policy not to accept a check on a check, nor partial payments. They provide alternative payment methods and encourage folks to pay using those methods.  They are welcome to pay with a money order, or they pay with a credit or debit card to our office.  However, much like our client, we cannot take a personal check for a returned check, nor a partial payment.  They are more then welcome to contact our office at ###-###-#### and speak with our checks department.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/7/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I was contacted by Meade and Asspocaites about a check apperently being ampung many I lost or that weres tolen fro me that bounced. They made an un fpoundeec omplaint to the City Prosecutoer that I passed a bad check-- I didn't even wrtie that check. It gets even better a thord party unknown to me without my concent has disclosed my SSAN to Meade and Associates with is a clear cut invation pof my privacy, in Violation of the 4th and 5th Amendments of the US Constitution Bill of Rights. and not becaeeu it would in criminate me becase I did not nor would I disclose it to Meade and Associates. I have repeatedly asked for a copy of the front and backside of that Check fro weeks now-- on the 5th of this monh I was told Iclud see it and the Court house. Sir I object and prtoest that I must drive 30 miles to get a copy of what could have been faxed to me. I need to see the signature I may know then who did this to me. But that deos not alwaibatwe my other issue My SSAN I do not want those people to have it-- My Idenity has been stolen utiple times and it always end up with this crap and I am sick of it!

Desired Settlement: My complaint agaisnt meade and assciates is; expressly the use of my SSAN holding it in thier records, and it being provided by a 3rd party to them. My SSAN is prectec by Federal Law, it is only disclosed when I apply ofr public assiatance, regaister an automoble or obtian State License. Any other use is forbiddend and a viloion pof mjy right to privacy. Its true the copy shoud send a copy of the dishinered Item whicn turns out to be a lost/stoen check, and they shoud tell me whom the payee is. Ai agree with that and have been to thier office. The point here is compies like meade and assicates unlawfully coooect my proave information the purveyor sof this information generally collect fees for its use. ERGO, THAT IS A VIOLOTION OF MY CONSUTIONALLY PROTECTED LIBERTIES, TO WIT MY RIGHT TO PRIOVCY THAT IS MY PRVATE PROERTY NOT FOR GENRERAL DISTRIBUTION , i WANT TO THEM TO DETRY THIER FILES AND DISCLOSE WHO IT IS THAT THEY OBTIANED THAT INFORMATION FROM i INTEDN TO SUE BOTH OF THEM.

Consumer Response: I really have noi Idea what it is you are speaking about I didnt file a complaint with the BBB I filed one with the AG about a violion of my right to prvicay and the Unlawful use of my personal SSAN. I do not see you as a consumer prection agency in any possible way. The nature of the compint is out oif your venue and seems to serve more as a stall to deiny rights procteted by the 14th , 5th , amendment sto tbe bill of rights which I am postive you have absolulty no interest in.Howvwe if I may see what it is the ag sent to you I will soften it sverbiage to make it less offensive to your  ears.

Business Response: Please forgive if we do not respond to all issues in the complaint.  We will do our best but the complaint was bouncing around.  It appears she is upset that we have her SSN.  It also appears she is upset regarding a copy of a check.  In regards to her SSN, we represent a wide variety of clients and they provide the SSN to us from Ms. **** who would have provided it to them when she received services.  We cannot destroy our files, but without the proper credentials, no one has access to her information.  After looking at her letter she provided to the AG's office, it appears that the letter was sent before some other things happened.  Ms. **** talks about never receiving a copy of the check.  She had a mediation that was scheduled for 2.5.14 (where we have copies of the checks) but it was cancelled due to the snow emergency and closing of the court house but the courts.  She was then re-scheduled for a mediation on 2.19.14, but she didn't need to appear as she came into our office on 2.17.14 and paid her balance.  At that time, she was provided with copies of both checks, and because it was her driver's license used on the checks, there was no fraud.  1 check has been resolved in our office and if she chooses to pay the other, we are happy to assist.  

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/4/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have called these people several times to try to handle a debt. I was unable to pay this before today. When I called to pay, I asked if it could be taken off of my credit. I was then drilled on why I deserve for it to come off. I didn't feel that was appropriate and do not believe that I was being asked these questions. I simply wanted to pay the debt and have it taken off of my credit. I should not have to explain why I was unable to pay before now. I just wasn't. I know that they have the ability to take this off of my credit instead of letting it sit there saying that it has been paid. It is just personal preference and out of spite that the man refused to take it off once paid. I have been through a lot and I'm now just trying to pull my life together after losing my husband to horrific mental illness. I am now in a place where I can pay for mistakes that were made and start living my life again. I just need someone who will work with me.

Desired Settlement: I wish to pay my balance and have this item removed from my credit and not sit on my credit any longer, even if it says paid. I was unable to handle it before and now I am being criticized for wanting to handle it now. There is absolutely no reason why it cannot be taken completely off. I would be ashamed to be the kind of person who ruins peoples life's out of spite.

Business Response: Unfortunately, we cannot provide the desired resolution Ms. **** has requested.  We are required to report true and accurate information to the credit bureau's by the Fair Credit Reporting Act.  The true and accurate information is as follows.  In May 2009, Ms. **** had an account come to collections.  We mailed out notice on 5.8.09 and it never came back as returned mail.  We then made several phone calls, and were told on 6.30.09 that this would be paid on 7.8.09 (before the reporting date to the credit bureau's).  We followed up with phone calls and never heard from her again until today, 2.21.14 when she said she would pay it only if we removed it from her credit.  The law does not allow this to happen.  We will gladly report it as paid in full once it is in fact paid it full, but we cannot do anything else.  

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/27/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: For the past severals weeks I been getting phone calls from this businessthey would calls early in the morning hours 8:30 a.m.up until 6:p.m. when you say hello no one would answer, they would call back later in the day with the same thing no answer, would not say anything about what they calling or who they calling for.I haven't received anything in the US mail from them, just unethical business practice,it a form of harrassment I don't owe them anything nor have any bills in delinqument for them to be phoning me.Something should be done about this company if you visit their website there many peoples have gone through with the same problem and don't owe them anything. Meade & Associates should be reprimand or put out of business, they are violation the peoples civial right if they don't owe them anything, they breaking the Law period.I'm to the point to take civial action against them if they doesn't stop, asking you to look into this situation....Thank You

Desired Settlement: For Meade & Associate to start handling business in a professional way being more courtesy,to the public instead of rudness the more polite you be,the better people will be to you. At this point I want the harassment to stop or I will take civil action against them with a monetarily judgement attatched to it. I hope you can resolved this before it get even more out of hand.

Business Response: Not sure why there was a need to file the complaint as I think it was addressed yesterday.  We will however, respond to accusations.  Since 1.22.14, we have placed 22 phone calls, which is slightly more than 1 per business day (not including the 2 Saturday's we were open), nor would we hang up on someone who answers the phone.  At no point do we show receiving any inbound phone call from *** ********* until yesterday, 2.12.14 at 1:30pm at which time, we confirmed by DOB the person we were calling for was not him.  Since that time, when we marked the number as bad, we have not called in, and do no intend to.  Therefore, as first mentioned, we feel that the complaint was handled yesterday with a phone call.  

Consumer Response:

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

I must say Meades & Associates are the biggest liars there is to be, there were quite of few phone calls made to my residence soon you say hello they hang up, what kind of bussiness they are running, I believe you better bureau are covering for them, I will seek legal action against them if I received another phone call from them.

don't believe me just try me.

Business Response: While *** ********* can call us liars, but our system tells quite a different story.  As told before, we have made 22 calls since 1.22.14 and received an inbound call on 2.12.14 telling us it was the wrong number.  Since that time, we have not called it and have marked it as a wrong number.  We have no intentions of calling the number.

Consumer Response: This is to say that Meades called my place 22 times not once did they say what they wanted nor did they leave a message, my answering system on 24-7  I got tired of their's nonsense and phone them back and someone say did I get a called, this is very stupid on they part, for calling someone residence not leaving a message that many times and when you say hello they hang up. if that not harassment I don't what is now you tell me.

 
Regards,
***** ********* **






























Business Response: We go back to our previous statement.  We were asked to longer call on 2.12.14 and have not placed a call to that number since asked.  We show no connected phone call until 2.12.14 when we left a message at 1:29P and received our first inbound call at 1:30p.  At this time, we are unsure how else we can any other attempt to resolve it.  He has asked for no more calls via our office, and through the BBB and we have adhered to that request.

Consumer Response: In response, look at the damaged Meades has cause to peoples lives you damaged their's reputation and character with the process that you have trying to locate peoples. If when you call left a message that you looking for ******** or whom ever no harm done, but call 22 times that un-professional you have no remorse what so ever, no apologize you destroy peoples lives, there a better way of doing business. I see that you not going to admit that you (Meades) were wrong, I or someone else won't be so nice the next time.





























BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

2/10/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This could possibly be some kind of honest mistake but I suspect it is an attempt to get private information or some other kind of scam. I never heard of ****** Medical Center and my telephone number shown on their form is very out of date. When I called the number on the Meade & Associates bill they started by asking to confirm my birth date. When I said I would not confirm anything and that I was suspicious they said the mailing was a mistake and that after I talked with them in June (I never talked with them or heard of them) they had asked for confirmation from ****** Medical but didn't get it. I started to throw this away but decided to forward it in case it could be useful.

Desired Settlement: I started to throw this away but decided to forward it in case it could be useful.

Business Response: We are not really sure what the complaint is, or how we can respond.  Mr. ********** has an account in collections (he even included the attachment showing it) and we supplied him with an itemization.  We are not sure how one can say this is a scam, but to ensure that we are speaking with the right party, we do ask to verify date of birth or last 4 of the social.  We would think our history with the BBB shows we are not an agency looking to scam anyone.  If it is simply the case of dealing with the wrong Mr. **********, verification of the DOB or last of the SSN would solve the issue.  

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/3/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Providers, patients and insurance companies make mistakes. As such, sometimes We the consumer underpay what we owe for a doctor's visit or overpay. In my case at the time i had ******* ****** ** **** health insurance. I payed my co-pay when i visited the doctor. To make a long story short and to the point ******* ****** denied my claim because the doctor didn't reply back to the insurance company. I had moved from my previous place of residence so even if Meade & Associates tried to contact me it would have been a lost cause. We are talking about two payments of $96. I had come across these two collections when applying for a mortgage loan. Funny thing is the doctor is my regular physician and has never once told me i had a outstanding balance. The billing department and also the doctors office has been sent copies of the letter ******* ****** previously sent to the doctor back in 2011. I'm willing to pay the amount even though this whole situation could have been avoided if the doctor would have followed through with the insurance company. I do not think these collections should be on my credit report because this is more of a issue between doctor and insurance company. I can even provide the letter sent by ******* ****** to the doctor back in 2011 and the reason for claim denial.

Desired Settlement: Deletion from all Credit Reporting Agencies. As I'm being punished for two sides who lacked communication .

Business Response: While unfortunate, it is the patients obligation to make sure their insurance has resolved the balance.  The insurance company sends the explanation of benefits to the patient explaining what they charges they were billed for.  It is the patients obligation to know their insurance.  In regards to trying to reach the patient, we did everything we could, including sending letters and making phone calls to the patient and the contact info he provided to the client.  The client cannot be expected to know if someone moves, and it is the patients obligation to notify the client (or our office) when they move.  Our office views the offer that was made, the offer of paying the bill to have it deleted from the credit report, as a violation of the Fair Credit Reporting Act, and therefore, we cannot meet the request of the patient.  Should the patient pay the bill, we will update them to show paid in full.  The patient is also welcome to file a consumer statement on their credit report telling their side of the story.

 
Also, in regards to his claim that the insurance company asked for more information, our client did receive that request on 5.6.11, and the following notation was added :  EOB Code N29 - The payer has requested additional information from the patient.  Also on the EOD was PR17 - Requested information was not provided or was insufficient/incomplete.  From the EOB, it appears that *** ****** is the one who failed to provide the necessary information to the insurance company.   We would provide a copy of the EOB, but the EOB has CPT codes, which tell why the patient was seen, which is not something we can share with the BBB.

Consumer Response: Although a very well written response it makes no sense. I pay for medical insurance so I'm able to see the doctor without suffering a financial crisis. If  I recieved any forums I would have responded accordingly. Who doesn't want their insurance company to pay their portion ? I have talked to medical mutual multiple times and like I said I can provided  a letter from medical mutual stating it got no response from the doctors office. Like I said before he is still my physician. This is a lack of communication by all partiess. 

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






























BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

BBB Comments: BBB note: BBB requested information/documentation from the consumer, which was not received.

1/19/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Extremely poor customer service and unprofessional attitude.Meade & Associates (M&A) is a debt collection agency that is located at 737 Enterprise Drive in Westerville, Ohio 43081. Upon applying for a mortgage, my lender told me that there was an outstanding balance of $130 against me being reported by M&A and that it was negatively impacting my credit score. I had no recollection of what it was for, so I quickly called their office to get an explanation. Long story short, I was not aware I had an outstanding bill because it had been being sent the wrong address and it was being returned to them by the post office every time. They'd had it addressed to the wrong city and zip code. I paid the bill over the phone, including the additional $5 charge for using a credit card and requested that they send the credit agencies a deletion request for this record so it would clear from my credit report. They told me they would do this, but it could take up to 15 days to clear. My lender informed me that if they simply wrote a letter stating that they'd sent the request to delete the record that he could expedite it with the credit agencies. When I asked if they could provide this simple letter, I was told "We don't do that". I asked to speak with a manager, and I was told that if I pushed the issue they would not send a notice to the credit agency to delete the record at all, as a threat. I found this very hard to accept given that they'd been sending the bill to the wrong address this entire time, so I insisted to speak to a manager. When the manager got on the phone, he confirmed that he'd sent the request to the credit agencies to delete the record but that he would not send a letter stating he'd done so. When I asked why, he replied with attitude "We don't do that". This was a simple request that M&A were choosing to be difficult about and it affects me greatly because I'm just below a credit score that can reduce my interest rate, saving me thousands. Very unprofessional!!

Desired Settlement: If possible, I would like to receive the letter I originally asked for from Meade & Associates.If this is not possible, I would just like the public record of complaint to be published. To date, they have one other negative public record and no positives, so it would appear others have similar dissatisfaction with them as well. Considering they've potentially cost me thousands with no remorse, I think its a step in the right direction.Thank you.

Business Response: As it was explained to Mr. ***** yesterday, we do not supply letters stating accounts are being removed from the CBR.  Therefore, we cannot meet the first part of his desired resolution.  In regards to only negative records, the people that are happy with our services do not go out of their way to tell folks they had a bill end up in collections because of non payment.  As they say, the squeaky wheel gets the grease, and only those that wish to file complaints are what is part of the BBB record.  Our time in business speaks about the reputation we provide.  Mr. ***** is simply upset that we cannot meet his request.  For that, we do apologize.  

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/19/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: . The consumer had a bounced check with ******, and he paid the debt. Meade and Associates, a third party, is attempting to collect additional payment for the debt on behalf of ******. The consumer contacted ******, and they stated that the consumer does not owe anything. The supplier also submitted the debt to the credit bureaus. The supplier is also attempting to collect on an unpaid debt from the consumer from 2005.

Desired Settlement: The consumer would like the supplier to cease communication with him and cease collection on the debts. The consumer would also like the supplier to remove the debts from his credit reports.

Business Response: Mr. ****** has additionally filed a complaint with the CFPB.  We have responded to that complaint.  In regards to this one, the owner has decided not to pursue the balance further.  Therefore Mr. ****** no longer owes the balance and it will be removed from the CBR.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/16/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I reviewed my credit reports as I am 7 days away from a mortgage company pulling my credit report for a ******** ************** mortgage loan. While reviewing my reports I noticed that Meade and Associates had placed a collection on my report for over $2,000. I contacted the company via email and telephone to advise them that the debt was not mine. I wanted the company to remove the collections as it is impacting my ability to secure the ** loan. I was advised to dispute the issue through the credit bureau's which would take 30 to 45 days for them to resolve (according to Equifax and Transunion). Obviously, a credit bureau dispute would not be resolved in 7 days, but I know the company has the ability to contact the original creditor to reconcile the information, contact the credit bureaus electronically to have the information deleted and finally, to provide me with a letter on company letterhead advising that the information would be deleted. Unfortunately, this company would not listen to my situation and how it has negatively impacted my financial situation.

Desired Settlement: Delete the collections from my credit report and mail me a letter on company letterhead advising that the information has or will be deleted entirely.

Business Response: If an account was placed incorrectly on an individuals credit report, they need to file a consumer dispute with the credit bureau's to have the information deleted.  We spoke with a *** ****** today and informed him of that.  We are unsure why the credit bureau's would have placed this on his credit report as the date of birth did not match the person we spoke with.  However, unless the FULL Social Security Number is provided (not something we like to ask the wrong party for), there is nothing that we can do.  It has nothing to do with the original creditor, nor is it a mistake that our office made.  

Consumer Response: According to the Federal Trade Commission "Under the FCRA, both the credit reporting company and the information provider (that is, the person, company, or organization that provides information about you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider." This is the action I took in contacting Meade and Associates. Also the Federal Trade Commission states, "If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file." The business admitted that the D.O.B's were not the same. It is for these reasons that the response made by the business is not acceptable to me.

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






























Business Response: *** ****** doesn't need to read the law to us, as we understand it.  Had he read the full response, he would have read that "unless the FULL Social Security Number is provided (not something we like to ask the wrong party for), there is nothing that we can do".  That is what is needed in order to file the proper deletion request.  We did not report this account to *** ******'s credit report.  However, the CBR's posted it to his account in error.  Unless he files the consumer dispute, so that we may verify it was placed by the CBR's on the wrong report, or provides his full SSN, there is nothing that we can do.  We are trying to help, but we need the necessary steps to be taken so that we can correct someone else's mistake.

Consumer Response: ***** ********************* ******************************  ***** ********** ******* *** **** **** ** *** ************************************ ******** ********* ** ******* ********* ** ********* ******* ** ******* ***** * *********** 

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

In my initial phone call with Meade and Associates they refused to take my social security number when I volunteered to give it to them. The person I spoke with told me my only recourse was to dispute it with the credit bureaus. I never had a problem giving my SSN (######). I hope this helps to rectify this situation and I thank you for your time and efforts in resolving this complaint. I copied the below email for your reference.  

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

Business Response: We are unsure why this is a "new" complaint, when it is a a re-hash of an old one that *** ****** emailed us about to tell us it was closed.  *** ****** has provided his full SSN in the "new" complaint, and therefore, with that data, we will contact the credit bureau's and ask that they delete this account today.  The credit bureau's have informed us that it can take up to five business days to complete the deletion request.  

Consumer Response: I have reviewed the response made by the business in reference to complaint ID #####, and find that this resolution is satisfactory to me.

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




















BBB's Final Determination: Consumer accepted resolution offered by the business.

1/6/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This company has posted derogatory marks to my credit report that are completely unwarranted. They represent another veterinary company (who I will be filing a complaint with next) who billed for services that weren't discussed nor rendered. I have explained this to both of them to no avail. Therefore my credit card company (where initial payment was made) was contacted to dispute the approved amounts in my behalf. Their findings agreed with my determination and the amount in dispute was credited back to me. Yet this company makes a determination to file a complaint on my credit report. This complaint should be removed immediately.

Desired Settlement: The derogatory marks from my credit report should be removed immediately. In my eyes, I should be issued some further credit for having to deal with these folks (multiple times) when in fact this vendor had already been paid for all services actually rendered.

Business Response: *** ******** conversations with our office, was that he paid the balance, not what he laid out in his complaint through the BBB.  Therefore, when checking to see if paid, we were told no.  That being said, we are taking his new complaint to our client and awaiting their response.  Once we have their response, we can address his new issue.  This response is to let the BBB know we have received it and are reviewing it, but because his alleged issues involve a third party, we have to research it and cannot provide an answer right away.

Consumer Response:

Saying that my complaint is inaccurate is in fact incorrect.  I did explain to Meade that I paid the balance due and that it was resolved with a credit card dispute.  Therefore it was paid, and they interpreted their third party information incorrectly.  This needs to be resolved ASAP.  


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






























Business Response: First, our apologies in the delay in getting back.  As mentioned, we needed to do thorough research to investigate the claim alleged.  After review, the short answer is, the balance of $211.00 is a valid debt and owed to MedVet.  The long answer is as follows:  *** ******** took an animal to MedVet for care.  They provided a written estimate (attached, page 3) for $765.02.  They also attached a log of the service (attached, pages 5-8).  Also in the attachment is a complete itemization (page 9), the credit card authorization form (page 4), and an itemization showing the current balance due $211.00 (pages 1-2).  The client does not dispute the fact that *** ******** paid $807.00, and then disputed with his CREDIT CARD COMPANY the $211.00 which was then charged back to the client and *** ******** received credit for from his credit card company (we can only assume he received those funds back and if he didn't, that is a different problem).  However, the reason the $211.00 is due and owed is, when our client is presented with a charge back, they cannot fight the charge back and therefore the patient receives the funds back.  The CREDIT CARD COMPANY does not determine whether the charge is valid or not (as alleged by *** ********), and therefore, MedVet had to return $211.00.  While it is unfortunate that the pet was involved in an accident, the debt is valid.  Our client also fielded complaints from *** ********* and did an audit of the account to ensure all charges are proper, and they felt that it is.  This debt will remain on *** ********s credit report until the law allows it to fall off.  Should *** ******** choose to pay the bill, we are happy to notify the credit reports that the debt has been paid in full.

Consumer Response:

The services that were billed for by MedVet were not performed contrary to Meades/Medvets accusation, and therefore not paid.  Other providers had to perform same services that were incorrectly billed for the next day.  At this point,  I am unsattisfied with the response, as it is not factual, I will escalate this matter further. 
Regards,
****** ******** 

Consumer Response:

My issue is with Meade & Associates and that they are collecting unsubstantiated debt.  I shall pursue the veterinary issue as directed, but in my eyes this is a billing/fees/payments, and customer service issue.  Does the BBB not agree?  Please advise me what happens in the meantime?  Meade and Associates shouldn't be allowed to attempt to collect on an invalid debt as it was partially paid for services rendered?  Medvet unfortunately is not BBB Accredited and doesn't respond appropriately to resolution.  Can the BBB help me no further?  Just because someone bills something for any amount they determine, doesnt make it legit. 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

12/2/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Around August 26, 2013 I had received a call from a collections representative from Meade & Associates that I had an outstanding balance with **** ******. The representative advised me that Meade & Associates was now collecting the debt on the behalf of **** ****** for a total amount of $81.00. I advised the representative that the amount was incorrect and that **** ****** was already receiving payment on the balance. I advised the representative that I had already made a partial payment of $21.00 through **** ******s website on August 17, 2013. However, being that I was at work and could not go into further detail on the matter, I told the representative that we could set up a future payment for the remaining balance of $60.00. The collection representatives advised me that, although there was a promise to pay, that the delinquency would be reported to the credit report bureaus. Being that I did not want this reflected on my credit report, I made an agreement with the representative that as long as I paid the remaining balance that no information would be reported any credit report bureaus and I set up a postdated payment that would be debited from my checking account on August 30, 2013. The representative agreed to the arrangement and advised me that as long as the payment would be paid during said time that I would not be reported to any credit report bureau for the outstanding balance.Nevertheless, around the first week of September 2013, I pulled up my credit report on Transunion and saw that Meade & Associates. Did report the outstanding balance of $81.00. So, I called Meade & Associates. And spoke with the same collections representative to whom I explained what had had been reported. I was advised that he didn't know what the amount reported was for and he then placed me on hold for a few minutes to verify. Upon returning, he confirmed that the information was reported to the credit agency on August 31, 2013 and there was nothing he could do about it to rectify it.The fact of the matter is that this is a clear violation of the FCRA and FDCPA. I was misled by Meade & Associates and this particular collections representative. How can two different companies collect the same balance? Either **** ****** will solely attempt to collect their balance and/or Meade & Associates has been contracted to collect the balance on their behalf. This is confusing given that I was making payments with **** ****** for this same balance; however, 4-5 days after making an initial payment I receive a call from Meade & Associates informing me that I had to pay the full $81.00, which is incorrect because I had already made a partial payment that had processed a full business week prior to the balance being referred to this collection agency. The balance that was reporting as delinquent is for $81.00, which is incorrect and untoward given that this is not the balance that had been referred to Meade & Associates. Lastly, the remaining balance of $60.00, that could have been referred to the collections agency, was already submitted for processing through Meade & Associates payment systems.

Desired Settlement: Remove all information reported to the credit agency. This company is in violation of the FCRA

Business Response: We have review *** ********'s account and there are some inaccuracies.  First, he did tell us he made a payment, and wanted to post date the balance ($65.00) with our office.  He asked about a credit if there was a credit on the account, and our collector correctly advised him that if the payment was reported prior to us running his card, we would adjust the card value down.  That happened, and $60 was processed.  However, that is minor compared to the rest.  *** ******** never mentioned not wanting this to report to his credit, and had he mentioned that, he would have been told that we had already had the account past the time frame (law requires 30 days, we provide 60 days) to report, and it would be reported.  We update the credit once a month, so yes, the balance would have been updated with activity through 8/31/2013.  We did not mislead *** ******** because the topic never came up.  ********** gave us the account to collect on in May 2013.  We made phone calls and sent a letter to the address *** ******** verified in our call.  We are unsure why we didn't hear from him prior.  If he would like to listen to the call, he is more then welcome to call listen to the phone call which will show our side and provide a clear picture of no wrong doing on our part.  

Consumer Response: I spoke to the collection person prior to the information being report to transunion. The information was reported on 8/31/13. I spoke to this company on or around 8/25. Please explain why incorrect information/misleading information is reflecting on my credit report. Also, how can one own a the same debt to two different company's? Yes, I would like to listen to this call.. A company can not report information on my credit report that is false. I filed a compliant with the occ, cfpb, ohio attorney general and the FTC... 

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

Business Response: While *** ******** spoke with our office, he spoke with, and paid after the 60th day.  We report correct information and that information is, he had an account end up in collections.  If we had reported daily, it would have been reported already and therefore, it gets reported because it wasn't paid in time.  We don't report daily because we are not required too, and it is a system intensive process.  In regards to how do two people have the same account, that happens all the time.  We represent ********** in regards to a balance owed to them.  If this debt was being pursued by two collection agencies, then maybe *** ******** would have a valid issue, but simply wasn't the case here.  At this time, we are unsure if further communication is necessary with *** ********, because he has only one goal, and will not accept anything less, but yet we are not able to provide him what he wants.  Should he choose, he can ask that the credit bureau's place a consumer statement on his credit report where he can explain his story regarding the account.

Consumer Response: please can we set up a time to listen to the call? Possibly with the BBB and my attorney as I know the information that this company is inaccurate and false. It is now in writing and this is what I wanted. I'm sorry to hear that this company feels that further communication isn't necessary. But when a person I lies and and false information is being reported communication is required by law per the FDCP.  Once again I paid $20.00 to **** ******.. Why is this company reporting $85.00? Also, during the initial call I asked if any information would reported and I was told No. I would live to listen to this call. Also, per the FDCP two company's cannot collect the same debt. Just because it is common does not make it ok. This company is incomplete violation    of the FDCP and FCRA. I goal is to hold this company reliable for misleading information. If the matter is't resolved I will seek litigation.

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

Business Response: As said in our first call, *** ******** is more then welcome to call our office when he desires to listen to the call.  He did not ask about the credit reporting during the phone conversation.  The only time the word credit came up is when he asked about having a credit balance because he thought he paid a certain amount.  There is no need to keep going back and forth within the BBB and *** ******** is more then welcome to call our office at the # previously provided, and listed here again, ###-###-#### and ask for **** *******.  However, once he listens to the call and realizes there is no deception, we hope his response to the BBB is that he has listened, realizes he is incorrect and that he is closing the complaint as satisfied.  While he will not be getting what he desires, we have made every effort to resolve the account but we cannot report false information to the credit bureau's.  The fact is, for whatever reason, he didn't reach out to us despite our attempts prior to the 60th day, and only paid if after that, which is more than what is required.  While it is unfortunate, *** ******** had chances to resolve prior to the 60th day and didn't.  We again suggest, that if he would like, to file the consumer statement on his credit file so that he can explain the account.

Consumer Response: The above complaint is resolved. The information was removed from my credit report as requested. I just want to say thank you! It has been a long and up hill battle with this company. I believe that honesty always prevails. I only find it frustrating that it had to come to this to resolve the dispute. Also, the way this company made things up and basically called me a liar. I'm just glad to be able to say this is finally over!. Thanks to the BBB 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

11/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This collection agency have messed up my credit, according to them back in 2011 I had an outstanding bill for a doctor's visit in the amount of 40.00 which was placed on my Experian & Equifax credit report that had damaged my credit. I have spoke with them couple of times to have them removed it from credit and have refused to do so. I never received a bill from them in the said amount and even went an extra mile to pay them the 40.00 although I couldn't recall owing for a doctors visit as well as getting a bill/mail from them from about the said amount. Both my credit report from Experian and Equifax is still reporting this as collection and have been showing on my credit report for the past three years. I am therefore requesting that they completely removed it from these credit reporting agencies. The beginning numbers for their account as it appears on my credit report is ##### and it used to be under my previous name which is ******* ********.This how it shows on my credit report:Collection Accounts: Accounts seriously past due MEADE & ASSOCIATES More about this account TransUnion Experian Equifax Original Creditor: ****************** ******* *** ***** ********* Account #: ####   High Balance: 0 40 Date Opened: 11/01/2011 11/01/2011 Date Reported: 10/06/2010 06/01/2013 Balance: 0 0 Condition: 10/01/2010 06/01/2013 Responsibility: Individual Individual Remarks:

Desired Settlement: I am requesting that this collection agency completed removed this negative report from my credit reports as it is damaging my credit.

Business Response: Unfortunately, this is not something we can do.  We spoke with *** ******** in January, 2012, prior to the account being reported to the credit bureau's.  He didn't pay the balance, and therefore, it was reported correctly to the credit bureau's.  We cannot corrupt the integrity of our data by deleting this account, as it was reported correctly the credit bureau's.  We suggest that *** ******** post a consumer statement on his credit report if he wishes to share his side of the account with anyone pulling his credit file, but we cannot delete the account from his credit report.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

11/24/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: We have unsuccessfully attempted to resolve a billing from ********* ******** regarding a routine mammogram services covered by our health insurance policy. We have spoken with our physician to correct any coding errors. We have enlisted our employer liaison, ********* *., at ****** ****** ********* ******* ******* ###-###-####; and, we were told ********* would not be referring this to collection. However, we continue to have this matter referred to collection by ********* ********. Their last attempt was to enlist the services of ** ******** ******** ** ***** ***** **** on 3/7/2013. We forwarded this matter to the BBB at that time and the claim for payment was abandoned by ** ******** - BBB Complaint #####.We have now received a notice from Meade & Associates, Inc. of Westerville, OH demanding payment again for ********* ********'s mis-billing:Acct# *********Name: ******* *****Total Due: $115.25Date of Service: 06/29/12We request ********* ******** to correct any billing error and cease collection effortsby Meade & Associates. We have also submitted a complaint to the BBB regarding ********* ********s continuing effort to collect on this service covered in full by insurance.

Desired Settlement: Dismiss action to collect.

Business Response: Our apologies to *** ****** for our lengthy delay in responding.  The reason for the delay is because we needed to research her complaint with our client.  We have received this response from them today: 

 
This account is being rebilled with a different dx code per notes in our system
 
With that being said, at this time, we have been instructed to place the account on hold.  That means we will not be pursing the debt at this time, we will not place phone calls, and we will not be placing the account on *** ******* credit report.  Once we receive the outcome of the rebill, we will reach out to *** ****** and discuss the situation and where is stands.  If it is resolved, then *** ****** will get a letter stating such from our office and we will not call her.  Should she wish to find out the status, *** ****** can reach **** ******* ###-###-####.

 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

11/11/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is very unprofessional there has been many attempts to resolve this matter with this company. They received a CEASE AND DEIST ORDER but instead still have tried to collect on a debt that I have never done business with meade & associates what so ever.

Desired Settlement: For this matter do be resolved is for this company to delete any record with my personal information and do so with the credit bureaus also.

Business Response: We have received *** ******** cease and desist letter, and have not attempted to work the account other than to mail an itemization.  Under the F.D.C.P.A., the law allows for 1 more additional contact after receiving the cease and desist letter.  We sent an itemization of the charges (since he claims he is unaware) but have done nothing further to reach out to him, and do not plan to.  Because the debt is a valid debt, we are allowed to report the account to the credit report.  Because the debt is disputed, we are also reporting said dispute on the credit report as we are required to do.  *** ******* asked for the itemization on 10.21.2013 and our letter with the itemization was mailed.  He should be getting that in the next few days.  Once he has received it, he is welcome to contact our office and discussion resolving the outstanding balance.

Consumer Response:

This business is not here to help me as an consumer so further more I need help from the BBB in this matter. This does not answer my compliant. I never have been in contact with this company of any services of and kind so when it comes to and itemized list of charges would be anything but false.
Regards,
***** *******

Consumer Response: This business has not sent me any correspondence what so ever the date is 10/31/2013. If they would had sent anything I should have received it by now they don't intend to send anything to me because I have never done business with them. There nothing for them to send to me if they did send anything to me as them for proof of postage. Thank you for your help in this matter

Business Response: We actually did send *** ******* letters.  The first one went out on 12.10.2012 and the other was just sent.  In regards to the most recent letter, our response stated that he should be getting it in the next few days.  Stating the very next day that he hasn't received it is probably an accurate statement, but we still respond with, we just mailed him the proof he asked for on 10.21.13 the other day.  He should be getting it within the next few days.  We should also point out that the F.D.C.P.A. only require us to send proof of debt if the request is made within 30 days of our validation notice being sent, which was on 12.10.2012.  Sending proof of debt nearly a year later is a decision we made in an attempt to help consumers that don't respond to our initial notice.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

11/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The following from March 2013 regards my previous complaint regarding this bogus debt:I received a collections letter from Reliant Capital for an account that was paid off a year ago. I never received any collections letters or calls on this bill that arrived in late February 2013. It leads me to think it is a bogus charge or they made a clerical error. The acct# they listed is ######. That is 1 digit different from my acct# on my old ******* ***** bill. I left a message on their website regarding this issue. My bill was paid in full a year ago. Why haven't they contacted me till now? I dispute this bill. It is erroneous, dare I say 'Bogus'. I require acknowledgement from Reliant that they made an error and will wipe out and otherwise erase this bogus bill. Also, I demand that they refrain from damaging my credit over this error on their part.Thank you**** ********

On 10/21/2013, I received both a collections letter and automated collections call regarding this old, bogus bill. The new collector is Meade & Associates, Inc. They claim I still owe money, but I have never received a billing statement for it. As I stated in my previous complaint letter, OhioHealth never sent follow-up billing statements. As far as I know, I paid this bill in full over a year ago and owe nothing. On 4/24/2013, I responded to the ruling Consider this resolved, asking what that meant. To me it means the issue was solved, settled. I never received any billing statements from the hospital for this bogus amount. I paid my bill in full over a year ago and feel my financial obligation was fulfilled. Can you help me resolve this permanently? I do not owe them anymore money. I do not want my credit history to suffer from this erroneous information.Thank you,**** ********

Desired Settlement: I want Meade & Assoc. to acknowledge this bill is erroneous; to wipe this debt clean from my credit history; expunge it from all records; eliminate it from existence.

Business Response: We have been informed that the previous agency handling this account did not code it properly, and therefore, the settlement portion didn't get adjusted off.  We are adjusting off the remaining balance today.  We hope *** ******** can accept our apology for another persons mistake.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/20/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have a ********* ********* hospital bill for $708 with meade & associates, that was paid November 2012. the company has yet to mark the account as paid on my credit report, and when I disputed the account they claim that I have not paid the bill. I have my bank statement from November showing that they pulled the money from my bank account. I also have my confirmation number ******. this account has been paid and I NEED it to be deleted from my credit report ASAP!!! this is seriously affecting my credit score & my ability to buy a home, and it is senseless because I have paid the bill.

Desired Settlement: I want the bill deleted from my credit reports immediately

Business Response: We wish Mr. ******** had contacted our office directly as we could have helped resolve this without the need to file a complaint.  We did not receive Mr. ********'s account until January 2013.  As of today, our client shows the account still outstanding as well within their system.  As he claims his balance was paid in November 2012, providing proof of payment will allow for us to research his claim.  He can fax that to us at ###-###-####, supply it through the BBB (if possible), email it to us at info@meadeandassocaites.com, mail the paperwork to us at 737 Enterprise Dr Westerville Ohio, or bring in the paperwork to our office.  When Mr. ******** filed his consumer dispute that we received in July, we also verified at that time the balance was outstanding and owed.  Had he responded to the letters and phone calls we placed to the information he used in his complaint, we would have been able to resolve it without ever reporting.  At this time, we await proof of payment that we can research.

Consumer Response: ******* & Co pulled the money out of my bank account & gave a confirmation number. if Meade & associates is not affiliated with ******* & co, then these people should have NEVER received my account & I need to know what company they received it from. and had I received any letters from meade & associates regarding this bill I would have responded. I have received NOTHING in the mail in regards to this account since I PAID it November 2012. 
































Business Response: We are in no way, shape or form related to ******* & Company and if Mr. ******** thinks that he paid this bill to them, there has to be some confusion on this part because as far as we know, that business is also in no way affiliated with our client, whom he refers to in his initial complaint.  I have no idea what these people is referring to, but if Mr. ******** would simply contact our office at ###-###-####, someone could assist him in figuring out where his confusion lies, and also help him pull an itemization off our clients website which will show the balance still outstanding and owed. 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/23/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company called our home and was extremely rude to my husband on the phone. They spoke over him and refused to let him get in a word in. They were not only disrespectful, the person was downright mean. They have also refused to allow us any type of payment arrangements.

Desired Settlement: I would like the company to receive a negative mark with the BBB.

Business Response: We are not sure how to help Mr. ******** with his desired resolution so we will try and provide a resolution that hopefully the BBB see's is reasonable.  Mr. ******** claims he was told no payment arrangements.  That is false, but we can see where the confusion might lie.  We offered the family arrangements to resolve the issue, but it wasn't what they wanted.  They wanted to pay $20 / month, but because 3 returned checks make up the balance, the best we can do is allow them to make a monthly payment for 1 check at a time.  They were informed of that on 9.10.13 at 12:50p but yet at 1:08p, they submitted a payment online for $20, which they had been told earlier wasn't acceptable.  When we called to tell them, no payment, apparently the conversation took a turn they didn't appreciate. For that, we apologize.  The fact is, we are being generous in making payment arrangements over the course of 3 months as the checks were written over the course of 5 days.  We have been instructed to no longer call the family, so if they want to resolve this, they can reach out to us directly.  This account hasn't been reported to their credit, so resolving it quickly can prevent that from happening.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/17/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has called me 7 times since noon today. I answer the phone and it just keep telling me to hold for a respresentative but no one ever answers waited 10 minutes kept say "Please hold for next available representative".

Desired Settlement: To stop calling

Business Response: A simple call to our office asking us to stop calling would have easily solved this problem.  We will mark the # as do not call, but that will not change the fact that it is in Ms. **********'s best interests to give us a call at ###-###-#### when she has a moment of her time available.

Consumer Response: I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution is satisfactory to me.  I would just like to add that I did in fact try to contact the number and still got the please hold and someone will be with you in a moment response.  Thank you for your time.




















BBB's Final Determination: Consumer accepted resolution offered by the business.

9/15/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I owed The ****** Group a co-pay. Meade and Associates contacted me via mail and phone. They were notified that i was still a patient at the ****** Group and I would settle it with them. I then paid The ****** Group and NOT Meade. Meade reported a collection to the 3 major credit bureaus resulting in higher interests rates. More importantly this was on someone else's insurance and i was listed as a dependent! The retina group assured me this would be deleted but Meade hasnt done it yet.

Desired Settlement: Delete this collection from the 3 major bureaus immediately and possibly compensation according to the law.

Business Response: Mr. ******** had an account end up with our office in November 2009.  He claims it was for a co-pay, but we don't get the records for what he was seen for so we cannot address that.  However, it isn't relevant to this situation.  A letter went out and we spoke with him in 12/09, before it was reported to the credit.  By law, we must wait 30 days before reporting it.  We also spoke in 1/10 before it was reported, but the balance wasn't resolved.  Therefore, in 2/10, we reported the unpaid balance to the credit bureau's.  At the end of  2/12, the account was reported as disputed as Mr. ******** had disputed it.  At the end of 3/12, we reported the new balance as payment was made.  We finally reported it the last time at the end of 7/12 as the balance was then paid in full.  We have followed the law on this account, and we cannot remove the account from Mr. ********'s credit report as it reported correctly.  He is free to make a consumer statement that will appear on his credit report to explain this as he chooses to.  

Consumer Response: I am NOT the insurance holder I am a dependent of the insurance holder. They need to remove this from my credit report immediately. 
































Business Response: Credit report isn't based on insurance but rather, who was the patient (when of age) or any other person liable for the balance.  He is the patient for this collection account, and he is not a minor so we refer back to our response yesterday that it is reporting correctly.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/6/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The consumer is receiving phone calls from a private phone number attempting to collect a debt from **** ********. The consumer does not know the individual. He has tried to get them to stop calling, but they continue to call. Phone number: ###-###-####

Desired Settlement: He wants the calls to stop.

Business Response: This complaint makes it sounds as if we are calling a number we have been instructed not too, and that is completely false.  We obtained the number and called on 8.5.2013.  We left a message and got no response.  We called back on 8.14.2013 and a third party told us we had the wrong number.  We marked it as bad and have not called in back since.  We also have no plans to as it is the wrong number.  If Mr. ******* has any proof to his complaint, we will happily investigate it but at this time, we have no record of additional phone calls. 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

8/22/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Received a call from representative of company. I explained that I had thought that the debt was covered by financial aid. I asked what were my options. The representative never gave me any options in paying or a settlement amount. Representative commenced in engaging in demeaning and disrespectful conversation. I remained calm and asked the representative, who never identified himself only the company, to not speak to me with those words in a tone to incite an argument. Representative continued to be very nasty. I hung up.

Desired Settlement: I know that this company acquired the outstanding debt at a small percentage from ******* **********. I would have agreed to a settlement amount at a percentage of what they paid. But because the intention was to demean, disrespect, and humiliate me, I do not want to pay them a penny! I do want the Ohio Attorney General's office to reprimand this company for harassing and threatening me and other consumers. I want this debt erased from my credit report within thirty days.

Business Response: *** **** might not have enjoyed the conversation with our office, and for that, we apologize.  However, the debt is still valid.  To correct a few things she is wrong about.  We didn't purchase this debt from ******* **********, and the money is still owed to them.  They have contracted with us to represent them.  Secondly, she wants this debt removed from her credit report.  Our office hasn't reported the debt to her credit, and will not do so until at least after 9.11.2013 when it has been with our office the normal length of time we hold it from some ones credit report.  If it is resolved before 9.11.2013 in full, it will not be reported to the credit report by this office.  If the balance cannot be paid in full by that time, we can set up payments to resolve the balance but that will not keep it from reporting to the credit report.  That is the same for each and every account.  Again, our apologies for her earlier conversation and we look forward to helping her resolve her unpaid balance.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

8/12/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The company has called my work # ###-###-#### and left messages looking for ******* ******** or **** *******e numerus times since May (5/9. 5/16, 6/17, 7/19/7/30). The number is my work number and I have checked around to see who **** ******** is but no one seems to know. I thought I have filed a complaint a while ago but could not find the letter from Atterney General's Office.

Desired Settlement: I need this company to know that ###-###-#### is a work number at ******* ********** and we don't know who **** ******** is and they need to stop calling for **** ********

Business Response: We are unsure why this person has chosen to file a complaint.  Simply contacting our office and telling us the first time that the # was wrong would have easily gotten the phone calls to stop.  We have had a long (since 1988) relationship with ******* **********, and even if we hadn't, we would have still marked the # wrong the first time we were told it was.  As this is the first time we are hearing of it, I have marked the # as bad.

Consumer Response: I have reviewed the response made by the business  and I am fine with business's response to resolve this complaint.
Regards,

****** ****




















BBB's Final Determination: Consumer accepted resolution offered by the business.

8/12/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: after finding out my bank did not cover two payments, i called the collections agency meade and associates and paid both payments listed on my credit report which is when i found out both payments were returned. after paying the owed balances which 1)122.00 2)61.00 the agency said it would take a few weeks for the amounts to be removed from my credit report, it has been two months and it is still on my credit report. i called the agency meade and associated and they told me they couldnt take the report off which still shows me owing the amounts above, and snickered when i asked them to remove it.

Desired Settlement: i would like the items removed from collections in my credit report. thank you.

Business Response: Our office does not tell people that by paying the account, it will be removed from their credit report.  We are required to report true and accurate information per our agreements with the credit bureau's.  The true and accurate information, is that *** ******* bounced two checks to a client back in March 2006.  We made multiple attempts to reach him before reporting, but as those efforts go us no where, we reported them to the credit reports in October 2006.  *** ******* paid those accounts off in May 2013, and in the beginning of June, we reported those payments as required to the credit reports.  We cannot corrupt the integrity of our data and ask the credit bureau's to delete these accounts.  They will fall off when the applicable time set by law lapses.  We advise *** ******* to reach out to the credit reports to find out when that is to happen.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/12/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: They will not stop calling me multiple times per day. In the last two days I have had 15 calls from them. I have had 7 calls since 8:57 a.m. today (June 19, 2013) and I had 7 calls yesterday (June 18, 2013). Several of these call are less than 5 minutes apart.

Desired Settlement: Please make them stop harrassing me and calling me.

Business Response: *** ******* has accounts in several departments.  Those departments all attempt to reach *** *******.  Our records indicate that on 6.18.13, we called her 8 times but she never answer her phone or returned on phone call.  Our records also indicate that we called twice on 6.19.13.  After the second call, she returned our call but when we answered it, no one was there.  We then made 4 more calls (several #'s) to *** ******* who at that time, instructed us to not call her again.  We flagged all accounts in our office to not call her.  We then had a new account placed within our office on 6.20.13 and we placed 2 calls on that account.  *** ******* sent a letter on 6.27.13 and therefore, the new account was seen and #'s to that account were stopped as well.  Therefore, we are not calling *** *******, but we do encourage her to reach out to us on these accounts as asking to have the calls stopped, which they have, will not solve the problem of non-payment.  Most likely, we could even allow small payments to resolve accounts entirely at times, for less that what is truly owed.  

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/5/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This company made repeated calls to my home. Once, I had answered the phone, and I told the representative that there was no one here by that name. The calls continued, when I would pick up the phone, no one would respond. Finally, I called the number on the called ID. I asked the gentleman why this company is calling me so frequently. He stated that he was looking for a person, and I told him that this person no longer lived at this address, and had not for many years. I asked him to please stop calling me, and the gentleman became abrupt, and rudely stated that the person "should not have given him this number then." This man continued to be absolutely nasty on the phone, raising his voice, and I was appalled that he would represent any company that does business, for any reason, in this area. Under no circumstances should any company represent themselves in this manner to anyone - especially to someone who has no business interest with this company.So far, I have verbally told this company to stop calling me twice. I consider this harassment and will consult the AG office if it continues.

Desired Settlement: 1. Stop calling those who are not associated with the person you are looking for.2. There is no reason that a business should represent itself in this this way. This was an absolutely rude, abusive caller that should not have spoke to me at all, and should not be allowed to speak to anyone in this manner.

Business Response: The first and only time *** ****** (the mother of the person we are looking for based on the phone call) ,aside from this complaint, asked us not to call the # was on the 4th, when she became abusive and cursed at us.  Since then, we have not made a call to that # (##########) and don't intend too.  We also called another # (##########) which also is a # associated with the person we are looking for and was told not to call that #.  It appears it was the same person.  We have not called that # either since the first time.

Consumer Response: I find it interesting that the response from this company is to accuse the person making the complaint. If the company were sincere in it's intent to defend itself, and it has done nothing wrong, it should submit the recorded call to the BBB for review. The person making this call was absolutely inappropriate, accusing, and abrasive. Knowing that he was not speaking to the person he had intended to call, this is not good business practice. Having no previous experience with this type of business, I still find it appalling that anyone would speak in such a manner to a stranger on the phone.

Regards,

**** ******

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

BBB Comments: BBB Note: BBB requested documentation/information from the consumer, which was not received.

6/10/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On May 30th of this year I called to speak about a claim that was recently processed through insurance and submitted to the original biller. I tried to mention to the customer service representative (his name was **** ******) that the insurance company paid for the bill and that I only owed a total of $15.00 currently. I asked him how I would go about paying the $15.00 in which he was very disrespectful and rude stating that I was to pay the original amount. I asked him if he would update his information and/or contact the original biller to make sure that they were on the same page in which he responded, "its not my bill, it's yours.. you can contact them" then proceeded to hang up the phone on me. I am VERY livid about the lack of help and professionalism that I received after speaking with **** ****** from Meade & Associates Inc.

Desired Settlement: Simply contact the original biller and correct information so that they are on the same page and there is no miscommunication.

Business Response: *** ******** paints a totally different picture that what the recorded phone call tells.  *** ******** called us and informed us that said that his insurance has paid.  He was asked to provide proof that this is paid, which is a standard request, and he flat refused to and said it wasn't his responsibility to do so.  In order for us to verify his claim, we would need proof.  The reason behind asking for proof, is because as of right now, the client shows the same balance outstanding that *** ****** told *** ******** is still outstanding.  We are happy to assist in helping to get the balance resolved, but we would need proof.  *** ******** also states he was told to pay the full balance which is incorrect.  When asked who he can pay the $15 too, *** ****** informed him that he can submit payment to the address on the letter, as it goes directly to the client, but unless insurance resolves it, the remaining balance would still remain outstanding.  If *** ******** wants to provide proof that the insurance has resolved, either through fax (###-###-####), email (***************************) or by the correspondence address on his letter (*** ********** ** *********** **** *****), he can do so, but unfortunately, without the proof that his insurance has resolved it, we cannot help research why our client hasn't been notified.  It could be that they just haven't been notified.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/4/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The consumer received a call from ###-###-#### claiming that she owed a debt. The consumer states that the company did not verify that she was the correct person and went into the amount owed. The consumer states that the company calls several times a day and will not send proof of the debt.

Desired Settlement: The consumer wants the company to stop calling her and send proof of the debt in writing if possible.

Business Response: We will be happy to send proof of debt even through we are not required to do so.  The F.D.C.P.A requires that within the first 30 days, a debtor may ask for validation and we are obligated to provide it.  We sent out a notice (2 actually) to Ms. ****** to the address provided in the complaint, most recently on 3.8.2013.  It has not been returned.  We are now outside the 30 day validation window, but in the interest of helping Ms. ****** resolve this, we will provide an itemization.  We also would like to point out that this is the first time she has made this request, and on the morning on the 20th when we tried talking to her about the bill, she could have easily asked for it.  If she has a desire to speed up the process, she can also visit www.**********.com.  On the left side of the page is a log in or registration page.  By registering herself, using account # ********** and other personal information, she should be able to access all the information we will be sending her.  If she struggles with the website, she can call us and our staff and help guide her through the process.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/20/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was the victim of Identity Theft and have supplied supporting documentation to Meade & Associates several times. For 6 years they have continued to report debts related to the Identity Theft to the 3 credit bureaus,damaging my credit, name and reputation, they call harrassingly and deny recieving the documents I've both mailed and faxed per thier requested in order to clear my name and correct the reporting error. For 6 years my credit score has been impacted because of their lack of action. I have a paper trail of documentation and history outlining the identity theft and actions I've taken with them as well as other merchants and business entities that were involved to resolve and clear my good name. I had a fraud alert put on my account, filed a complaint to the FTC and recently send certified corospondences to their legal offices. It is a tragic and unfortunate that when I call to speak to the account rep, I am yelled at and disrespected as if I actually owe a debt. They are unprofessional, rude and beligerent! I am absolutely fed up and will persue legal action if needed.

Desired Settlement: Remediation to forego legal action.

Business Response: We don't have an account for ******* ******, but we do have an account for ******* ********.  I will now go back through our notes with what we have that has taken place:

On 7.16.09 she told our office is was fraud and would fax the paperwork in the next few days.  We received nothing.
On 3.9.10, she said the same thing.  We told her of the conversation that took place on 7.16.09 and that we had not received anything.  We again told her what we needed.  We also had a follow-up conversation on 3.10.10 and advised the same thing.  
On 3.19.10, she called to tell us she hadn't sent it, and she was advised that when she does, to send it.
On 7.13.11, she called and said they we were still on her credit report.  We again advised, we need the affidavit of forgery (AOF) and the police report, and until then, we can do nothing regarding her credit.
On 5.1.13, she called and was again told, that we need the police report and the AOF.  At that time, she said she had no AOF, and we told her we would see if the police report would be sufficient.
On 5.6.13, she said we still hadn't closed it, and she was advised yet again, we need the proper data.
On 5.6.13, we received a copy of a police report.  Is claims in the report that the routing # used when her identity was stolen is ********* which belongs to Best Bank.  That information does not match the information we have for her returned checks.  Also within the fax is a letter dated 3.29.10.  This is the first we are seeing it, it still does not talk about the bank in question these checks were drawn off of.  There is also a copy of a Chauffeurs License, but it is illegible so we are unable to do any sort of comparison.

To recap what we have:  A copy of a police report filed 1.5 years prior to the time the checks were written and also does not mention the bank in questions.
  A copy of a license that is illegible.

All of the above was received for the first time on 5.6.2013.

To recap what we need: A police report regarding the situation we are dealing with.
 An affidavit of forgery, and it one cannot be provided, something stating the bank in question (RBS Citizens) never had an account associated with *** ******** and her SSN, signed and notarized on bank letterhead.
 A copy of a legible driver license or other photo ID with signature so we can do a correct comparison.

Lastly, we wouldn't have been effecting her credit for 6 years as we didn't get the accounts until March of 2009 and would have reported them until May 2009.  We are happy to help people resolve what they feel are credit reporting errors, but we need to protect ourselves and our client as well.  With the proper paperwork, we can begin our investigation to try and help *** ******** out.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I checked my credit reports in February 2013 to find that Meade and Associates placed a collection account #******* for $37. I had no idea where this came from or what it was for as I never received any notice that this account was being placed on my credit reports. This was a violation of the FCRA and FDCPA. As they did not notify within 5 business days nor did they make sure they had the correct person they were attempting to collect on this account. I immediately disputed this with all credit bureaus and it as rightfully removed from Transunion. However, the mysterious account was still verified with Equifax and Experian and I still did not receive any notice from Meade & Associates.So, I checked into this further as the original creditor was listed as ******** ****** ****. I did have any account with this bank, but I had to close the account and it was done on good terms with this bank. So, I decided to pay ******** ****** **** a visit. I spoke with representative named ***** and she advised there was a charge that came through after I closed my account with them of just over $37. She gladly accepted my payment with no issues and advised all negative reporting would be removed. I asked about this Meade & Associates collection and she advised that she did not believe this was with any collection agency. So, I sent Meade & Associates a letter with a copy of the payment to ******** ****** ****, demanding that this collection be removed from all credit reports within 5 business days. I know this can be done as the credit bureaus process information within 48-72 hours upon receipt from a creditor/collection agency. This collection has dampened my credit for no reason and I am extremely upset.

Desired Settlement: I want this Meade & Associates account deleted from all of my credit reports for good.

Business Response: This individual account being referenced came to our office in November 2012.  We sent a letter to the exact same address used in the complaint.  The violations he said took place are false.  If he didn't open or receive our letter, we cannot help that as it did not return to us.  While no phone # is given in the complaint, we called the # provided by our client multiple times before it would have been reported, and left message, but got no response back.  We received a copy of a receipt last night and emailed our client checking on the status of the account.  Pending their response, we can update the credit report accordingly, that the account is paid in full.  Because it was not paid prior to the reporting date, it will not be removed from his credit report.  It is mentioned that Trans Union deleted it from his credit report, and while we feel that is inaccurate for them to do, we cannot control their policies.  Our understanding is that Trans Union doesn't feel it is worth messing with so rather than rely on the agency who reports valid information, they just delete it.  However, that is a different issue we have with them and will address it accordingly.  The debt is valid, it was reported correctly, and as soon as we can verify it's status (which appears is paid) we will update it accordingly. 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: They never send me a collection letter regarding my doctor bill, and send it directly to all credit bureau for collections. The amount of $154 is fully paid, and they refused to remove it from my credit bureau. The only thing I need form them is to remove it out of my credit bureaus.Thank you.

Desired Settlement: The only thing I need form them is to remove it out of my credit bureaus.

Business Response: While we can appreciate where Mr. ***** is coming from, this is not accurate.  We sent out a collection notice on 1.22.13 to the same address Mr. ***** listed in his complaint, and the same address listed when he disputed the debt.  Unfortunately, even though paid, our legal counsel has advised us that we are not to remove accounts that are paid in full.  

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Company offered payment option when I called to clear the debt but did not disclose that it would be reported to the credit bureaus regardless. I paid 3 payments- paying the balance in full in Jan 2013 and they reported it to all 3 credit bureaus in Jan. It caused my score to drop by 100 points.

Desired Settlement: Removal from credit report and company to add policy that they will disclose the timeline of payment versus reporting to customers they are collecting from.

Business Response: Ms. ******** doesn't paint a full picture.  While she assumed incorrectly about making payments would keep an account from her credit report (which she admitted in a phone call with our owner on 2.27.13), she was told on 3.1.13 that the account would be removed from her credit report.  We submitted that request less than 5 minutes after talking with her.  If it is still on there, she needs to talk with the credit bureaus.  If she doubted what we told her, she could have simply placed a phone call to our office for clarification on the matter.  Hopefully though, in the future, Ms. ******** doesn't make the same false assumption.

Consumer Response: I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution is satisfactory to me.  I had filed the complaint prior to receiving the call from Meade & Associates that they would in fact resolve the issue and remove from my report.  My intial complaint resulted from a failure to disclose, which nullifies an accusation of my own false assumption. Thank you. 





















BBB's Final Determination: Consumer accepted resolution offered by the business.

3/13/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: When I did a credit report to see why my ******** card amount was decreased I found these adverse accounts that are not mine.I did a police report and had my social checked. My social is not being used. This company needs to find the right person not just look for a name and use who ever they find without proper evidence. This is a long and stressful process that I shouldn't even have to be deaing with.

Desired Settlement: I would like my credit fixed by removing these adverse accounts and have these companies be accountable for their wrong accusations. I may have to seek legal council if not resolved.

Business Response: We have never spoken with Ms. ********* *o we are unsure who she checked her social with.  If she can reach out to our office when time allows, we can help get to the bottom of this.  We have been calling the number she listed with no response.  

BBB's Final Determination: Business offered a partial (less than 100%) settlement which the consumer accepted

3/4/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am writing with my concern's toward's a matter for which we have made payments on. We are working with ****** ***** from Meade and Associates Inc. When we were first contacted the communication amount was a lot more than the statement at the hospital. At this time ****** and I spoke over the phone and I was informed of a second account that belong to our daughter.  I informed ****** ***** that we are not responsible for our daughter's medical bills and to please remove her account and put them into a separate account. ****** ***** stated that the accounts were linked due to the address were the same.

Our concern now is we believe they still have not been seperated and with the amount we have already paid. When this all started the amount of $1476.29 was what we were informed of after speaking with ****** and she said the accounts were seperated. I don't believe this, with this letter of payment you can see there are 2 different account numbers. The account I have been paying on is #******* the other account is still attached to our address.

We are asking to have proof of the accounts being seperate and a  new balance so we may pay this bill. As per the copies I have enclosed we only recieve a statement of payment and balance due. We have not recieved any satisfication about this concern. Please address our issue and respond soon as possible towards this matter.

We iwll look forward to hearing from your office for this matter.


Desired Settlement: Please address our issue and respond soon as possible towards this matter.

Business Response: The balance of this account started at $1,526.29.  Since that time, they have paid a total of $650.00 leaving them with $876.29 due.  They are not being asked to pay anyone else's bill.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/27/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: i am called every five minutes by this number and want it to stop. i looked on google and someone said it is a meade and assoc. when i anser i get a recoring. nobdy ever answers. when i call it back i am put on hold and nobody answers. my phone is used for business purposes and i can not have these interuptions every five minutes. please ask them to stop and remove me from their list. this is harrassement

Desired Settlement: stop calling. remove my number from their list.

Business Response: We are not calling every 5 minutes but as Ms. ***** has asked, we will stop calling the #.  We stop calling ####-###-#### as that is the # Ms. ***** used in her complaint, but as she didn't say in her message, we hope we are guessing correctly.  We also show no inbound call from Ms. *****, and while the first message she will get is asking her to hold, it is never more then a few seconds before someone call receive her inbound call and help her out.  We would advise Ms. ***** to make that call to our office when she has more then a few seconds as we are trying to reach her and help her out.

Consumer Response: I have reviewed the response made by the business in reference to complaint ID ******, and find that this resolution is satisfactory to me.  As long as they stop calling completely.  Help me out???  




















BBB's Final Determination: Consumer accepted resolution offered by the business.

2/4/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The consumer owes a debt and has been paying on the debt. The Debt collection agency is contacting her ex husband and discussing the information with him. The consumer did not give permission for the debt collection agency to discuss that information.

Desired Settlement: The consumer wants the supplier to stop contacting people she did get approval for.

Business Response: Ms. ***** has provided a different story with our office.  She told our office they are still married but are separated, and did this more than once and .  Under Ohio Revised Code 3103(A), it provides that a married person has the duty to support his or her spouse.  See Cuyahoga City Hospital v Price (1989), 64 Ohio App 3d 410, 581 N.E. 1125 for the proposition that a spouse is liable for the cost of medical care furnished to the other spouse.  In regards to why we called, she made a payment on 12.26.12 and asked that we call her back in two weeks to make another payment, which is what we did.  While we can understand why she might be upset that her husband was called, unfortunately, he is equally responsible for this balance and deserves to be notified of the unpaid debt.  While it appears that created friction in the relationship, that certainly wasn't, and nor will it ever be, the intent of our office.

Consumer Response: ******, from Mead &Associates called me in December and offered to settle my debt for over 400. I ask her to call me back later and I would see if that was possible. When ****** called me 12-26-12, I told her I would not be able to take that offer but I did make another payment at that time. She confirmed the agreement I made with ******* earlier for 10. a mth. I did provide ******* with a cell phone number to contact me at. ****** called my husbands phone number twice and **** told her I was not there he would give me a message And she could call back later.****** then went on to tell him that I made a promise to pay weekly on this bill. Mead and associates can confirm that I have been making the monthly payment we agreed on so they should not be calling and harassing me anyway. Also When I told ****** under the privacy act it is Illegal for them to be discussing my account or bill with anyone but me and ****** told me it was not illegal so I told her ok,then I'll talk to my attorney to confirm if that is legal or not. ***** went on to tell me that I should latke some of the money I'm paying my attorney to pay this bill. That was when I ask to speak to her supervisor and I told him, **** the way ****** was talking down to me and **** said well maybe she's just trying to help suggest a option for paying you bill. **** also told me that they would keep reporting every single month to the credit bearu until I pay in full. I told **** that ******* told me as long as I was making my agreed monthly payment they would not be reporting it. I told **** that was bull and he starting yelling over me and said when iws ready to talk to him civil and pay my bill the could call back and make payment and then **** hung up. I did file a complaint with the FTC and the State Attorney Generals Office. The state attorney generals office told me that in Ohio, it is illegal for any Agency to discuss your bill with your children, parents or spouse or anyone other than you.






























Business Response: Again, our notes from the 26th (after Ms. ***** made her payment), asked for a call back in two weeks to make another payment.  The information Ms. ***** claims the State AG's office shared with her, is incorrect.  If Ms. ***** would kindly share the name of whom she spoke with, our office will gladly call them to figure out why they provided her with incorrect information.  We encourage Ms. ***** to review the ORC referred to in our last response showing where we can discuss, and the fact that her husband is liable.  She again rejected our response, but we cannot change our response as it is based entirely on fact.

Business Response: Both of those sections only review part of the F.D.C.P.A.  


If you review section Section 803 Definitions (3):

 - The term “consumer” means any natural person obligated or allegedly obligated to pay any debt.

Based on Ohio Revised Code 3103(A), the husband is liable and obligated to pay the debt.

Further, you site section 805(B) of the F.D.C.P.A: Communication in connection with debt collection.  If you continue to read down to part (D), you will find: 

 - For the purpose of this section, the term “consumer” includes the consumer’s spouse, parent (if the consumer is a minor), guardian, executor, or administrator.

We have been in business since 1978 and we try very, very hard to follow all the laws that govern the business we are in.  While we find in unfortunate that apparent friction was caused between a husband and wife, but we did not break any law with what we did.  We find it hard to be asked to speak with only one person, when more that one person has an obligation to resolve this situation.  However, the F.D.C.P.A. is clear that if a consumer provides a cease & desist, we are obligated to cease further conversation.  If Mr. ***** wishes to file a cease & desist on this account, he can reach our office by mail at 737 *********e Dr, Westerville, Ohio 43081, by faxing it to ###-###-#### or by email to ****@meadeandassociates.com.   

Source : http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf




Consumer Response: As I said on previous response, if I were not making payments, then I could understand you calling me at the cell phone number I previously provided, but otherwise why would you be calling and harassing me. Since we are not in agreement of if it is legal for you to discuss my debts with **** ***** then I will talk to an attorney to confirm my privacy rights. Otherwise, I will have **** to call to file a cease and desist. Until then I will mail my payments only to Mead and Associates as previously agreed. Also just to confirm I want absolutely no calls at my workplace and I will not pay by phone when you call.
































Business Response: We are not sure how we are to respond Ms. ***** other that this.  She tell's us on the 26th of December, right after she paid $10, to follow up in two weeks for another payment.  We do so, and end up here.  Maybe Ms. ***** didn't mean to say that, or maybe Ms. ***** doesn't recall saying that, but the fact is, it was said.  With all that being said, we cannot figure out what kind of plan Ms. ***** wants to commit to.  She doesn't state in her rejection as to what she wants to do other than mail it. She keeps going back to the fact that she will check with an attorney about her privacy rights, and that is her choice, but to keep rejecting our response without offering something to help us resolve it, we cannot figure out how to proceed in trying to help her.  Again, we apologize for any friction that was caused, but as it was mentioned in the past, that wasn't our goal and we did nothing wrong.  If Ms. ***** would like some closure to this matter, we simply ask for her to provide some clear direction with her goal.  She also brings in a new aspect to this complaint, which is do not call her at her place of employment. What is sad is, we never have done so.  However, asking us not to in the complaint makes it appear that we have.  She asked us back in December to not do so, and we have followed her request.  

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/16/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The constituent said he received a letter from collection agency that had his name and a former roomate's name. The letter told him he owed $187.35 for damage to an apartment. Consumer sent a certified letter disputing the debt. He now received another letter dated 01/03/2013 that demands immediate attention.

Desired Settlement: Consumer asks that supplier stop the collections as they have not provided him with evidence of the debt.

Business Response: It is disheartening that *** ************ has chosen to file a complaint with the BBB rather then reach out to us directly.  We mailed an itemization as requested on 12.14.12 and then attempted to follow up several times with phone calls.  Attached is the proof that was mailed to *** ************ back in December, before a follow up notice was mailed in January.

Consumer Response: The previous message submitted today by the business, Meade & Associates, Inc., is not factual or accurate.  First of all, my phone has caller ID capability, and I have never received any call from this business.  Next, the business stated "*** ************ has chosen to file a complaint with the BBB rather then reach out to us directly."  Rather, I did in fact contact this business immediately after receiving their initial letter dated, December 11, 2012.  According to my phone bill records, I placed a call to Meade & Associates, Inc. at (614) 635-8100 on December 13, 2012 at 11:04 AM.  At that time, I spoke with a supervisor and requested their business mail me an itemized list of their alleged claim.  Upon receiving these alleged charges, I mailed a 'Letter of Dispute' along with multiple pages of evidence in support of my dispute.  This letter thoroughly explained how this alleged debt is unwarranted.  Furthermore, this letter was sent via certified mail on December 17th.  It was delivered and signed for by Meade & Associates, Inc. on December 19th.  Among the various forms of evidence I submitted with my letter included copies of the apartment complex's Unit Condition Form showing an 'Unpaid Balance' of $0.00.  I also lived at the same apartment complex for an entire year following these alleged charges.  However, I was never billed, contacted, or notified of ANY past- due bill or debt (until December 2012).  The apartment complex's management personnel could have easily provided a bill or notification to me at any time since I was a current resident there for more than a year later.  They failed to do so.  My forwarding address was also provided to Ardent upon ending my lease with them in December 2005.  More importantly, I provided copies of a few refund checks that were paid to me, thus proving I had received separate 'Move Out Refund' payments after my lease had ended.  Please Note - Copies of all written correspondence between Meade & Associates, Inc. and myself (from December 11, 2012 to January 3, 2013) were mailed to the Ohio Attorney General's Office as well as the Columbus Better Business Bureau today on     January 10, 2013.  These copies will also include my 'Letter of Dispute' to Meade & Associates, Inc., various forms of evidence (i.e. copies of separate Move Out Refund checks), and the certified mail receipt on December 19, 2012 proving this business did in fact receive these documents within the appropriate time frame.  Once again, I fully dispute these alleged charges and request the alleged claim be removed immediately.  Thank you for your time.

Business Response: First, *** ************ misunderstands why we find him reaching out through the BBB directly disheartening.  If he needed more information, why not reach out to us directly.  Rather than doing so, he choose to go this route.  However, that is irrelevant to the situation.  We did follow up with *** ************ by placing a phone call to 614.353.9503 at 11:50 am on 12.27.2012.  Our called ID is not blocked so our number would have appeared and we also left a message for him.  This is the same number he called from on 12.13.12 at 11:17 am.  The document's we provided show where the balance comes from.  I cannot explain what happened prior to the account coming to our office.  We have however, provided all documentation necessary to show where this balance is coming from now that it is here.  There is nothing else we can do for *** ************ as it is evident that he feel's he doesn't owe it but our client feels that he does.  In an order to put this to rest, we have the ability to take less than the balance and would certainly entertain that idea.

Consumer Response: 1)  Since the business states "*** ************ misunderstands why we find him reaching out through the BBB directly disheartening," perhaps the business needs to be more clear and better explain themselves in how I failed to contact them directly and request information.  As my previous e-mail message indicated, I directly contacted Meade & Associates, Inc. by phone at (614) 635-8100 on December 13,2012 at 11:04 AM.  In addition, I directly contacted this business via certified mail, as they were in receipt of my 'letter of dispute' and all other relevant documentation of proof on December 19, 2012.  And, I have provided the Ohio Attorney General Office and Columbus Better Business Bureau with this proof of the certified mail being received by the business.  Perhaps, this business needs to re-read and review my letter as I specifically stated "please accept this letter of dispute as written notice to send me all forms of evidence showing ‘Proof of Debt."  The letter then requests the various forms of evidence that need to be sent.  This 'letter of dispute' was mailed not only to Meade & Associates, Inc. but also the Ohio Attorney General Office and Columbus Better Business Bureau.   Therefore, I directly contacted this business two times

2)  I have recently learned that the voicemail message you left on December 27, 2012 specifically states "This message concerns ******** ******************.  If you are not ******** ******************, then please hang up or disconnect."  Obviously, I am not ******** ******************, nor do I know who ******** ****************** is.  And yes, this voicemail message has been saved as proof.  Perhaps, you need to directly contact ******** ******************.

3)  If, as you state, "have the ability to take less than the balance...", why was that information withheld until now and never mentioned in your previous methods of communication (i.e. letters)?

4)  If these alleged charges did exist in the past, then why was I never properly billed, contacted, or notified of the charges?  Upon moving out of Ardent's apartment complex, why did the Ardent employee who assisted me list an 'UNPAID BALANCE of $0.00' on their company's 'Unit Condition Form'?  And, why did the Ardent employee and their company agree to refund me money on separate occassions, upon my moving out, IF I had owed them any money? 

5)  I have also provided all documentation necessary to show and prove this alleged claim is not valid and unwarranted.  I have provided copies of documents from this business' client, Ardent, that specifically lists this apartment complex's ' Unit Condition Form' showing an Unpaid Balance of $0.00.  In addition, separate copies of 'Move Out Refund' checks addressed to me were provided to this business, the Ohio Attornery General Office, and the Columbus Better Business Bureau.  This UNPAID BALANCE of $0.00 and REFUND CHECKS thus prove Ardent owed me money upon endidng my lease with them, and I did not owe them any money.  A copy of the business card and name of the specific Ardent employee, who addressed this specific issue at that time with me, was also provided to the three separate parties listed above. 

Business Response: It is apparent that there is nothing we can do to help resolve the case.  We have showed the paperwork provided by our client showing he owes a balance.  Our client shows he owes a balance.  He is adamant he doesn't owe the balance.  I cannot see how further discussion will yield any different outcome.

Consumer Response: Since I was initially notified of this alleged debt claim by Meade & Associates, Inc. on December 11, 2012, I have directly contacted this business as well as Ohio Attorney General Office (Consumer Protection Section) and Columbus Better Business Bureau in a timely manner.  In addition, I have supplied all previously-listed parties with my 'Letter of Dispute' providing sufficient explanation and all relevant documentation supporting my dispute.  These various 'forms of evidence' thus prove this alleged claim is not valid and is unwarranted.  I was an excellent tenant during my time at this Polaris Crossing apartment complex, maintained a well-kept unit at all times, and left the unit in very good condition upon moving out.  Therefore, in order to resolve this dispute, I respectfully request this alleged claim be dismissed in its entirety and all alleged charges of $187.35 be removed from this claim.




Business Response: Our stance has not changed.  His resolution is what we feel most people expect to happen when they file a BBB dispute.  While we offer in a previous response to take less than the balance to resolve, *** ************ resolution is to pay nothing.  Again, we have shown where the balance comes from. He said it is not. Our client feels it is. We can again, not see how further conversation to this matter will change his mind or our clients.

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

12/11/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received multiple harrasing calls from ****** ******** at Meade & Assoc. between August 2012 and November 2012 attempting to collect a "debt" that I had already and previously paid directly to the provider (**** ******). Ms. ******** claimed that she had sent multiple invoices to me, although I had not received anything from Meade. I told Ms. ******** several times that the amount had been paid directly to **** ****** and I asked Ms. ******** multiple times for details about the "debt" and she could provide none. I told her that I had not received anything from Meade, I had not received any invoices for that amount from **** ****** since August (which was paid), and that I would not just pay some supposed debt over the phone without an invoice. When she condescendingly started explaining what the envelope looked like, I asked her whether she was able to confirm that I did receive anything from Meade. She could not provide any confirmation. Ms. ******** essentially told me I was lying and told me that I could "check my credit report" since the "debt" had been reported. Ms. ******** also led me to beleive that the only way I could get details of the "debt" was through my insurance company. Ms. ******** over and over demanded I pay the "debt" over the phone without providing any details about the debt. When I refused, Ms. ******** even stated "Well, I have other calls to make to people who will pay their debts." Finally, I called **** ****** directly which confirmed that I had paid the $92.28 balance in August 2012 and called Meade directly on my behalf. The **** ****** customer service representative also confirmed that Meade's information was incorrect and stated that Meade updated it at her request.

Desired Settlement: Meade must be required to retract any incorrect information reported on my credit. Also, Meade's harrassing practices need to stop. Meade should confirm with a provider that its information is up-to-date, particularly when a consumer informs them it is incorrect.

Business Response: Our client instructed us on 11.21.2012 to close her account out.  We are no longer handling any balance for Ms. *********.




BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/30/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I checked my annual free credit report in March 2012 and noticed there was only one negative item listed. It was a $22 medical bill. I did not know what the item was for, so I contacted Meade & Associates. I found out that the bill was mine from an emergency room visit for which I had received multiple bills. Upon reviewing my records, I found that neither the doctor nor Meade & Associates had mailed me a bill. I paid the $22 bill that day through Meade & Associates and asked them to remove the item from my credit report due to the fact I had not been billed. They refused to remove it. I contacted the Federal Trade Commission twice and based upon FTC's suggestion, I wrote Mead & Associates a letter explaining the situation and asking them to remove the item from my credit report. They continue to refuse stating the Fair Credit Act does not allow them to remove the item. According to FTC, Meade & Associates can remove the item if they wish. I feel that Mead & Associates is not conducting business in a fair manner based upon the facts I have submitted. I am simply asking that the item be removed from my credit report also because it is the only negative item on my credit report and has degraded my good credit score approximately 100 points disallowing my from obtaining a home loan. This is completely unacceptable and rediculous. Thank You.

Desired Settlement: Removal of negative item from my credit report per Federal Trade Commission's recommendation.

Business Response: While we feel for Mr. *********, he has distorted some of the facts in his situation.   He incorrectly states we didn't send him a bill, when in fact, we sent him 3 to the same address he lists in his complaint.  We also made 9 calls to the same number listed in his complaint.  As you can see, we tried reaching him multiple times before he resolved the balance.  We also feel bad that Mr. ********* was provided bad information regarding our abilities.  We have an agreement in place to report true and accurate information to the credit bureau's.  If we removed his because it was paid, we would essentially corrupt the integrity of our data we provide to the credit bureaus.  We would also violate our agreement with them.  To further prove our point that we cannot remove unpaid debt, we suggest Mr. ********* review pending legislation in the US Senate.  A summary is included below:  


Medical Debt Responsibility Act of 2012 - Amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any report containing information related to a fully paid or settled medical debt that had been characterized as delinquent, charged off, or in collection which, from the date of payment or settlement, antedates the report by more than 45 days.

To summarize, we would need to delete any paid debt from a credit report within 45 days of payment.  If we were required to now, or could do so, there would be no need for this bill.  This pending bill would change what we are required to do.  We suggest he contact his local representative and push to have this bill pushed through if he feels there is merit behind it.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/13/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Meade and Associates reported to the three credit reporting agencies that we had five "Collection" accounts when the original billing to us was for only one account. This action resulted in the loss of a 40-year excellent credit score of over 800 to a low score of less than 650. As a result I was denied credit for refinancing my home. I asked Meade to remove four of the "Collection" accounts and combine them into the one original account but they refused,In addition, these five "Collection" accounts will remain on my credit report for 7 years preventing me from obtaining low interest rates on future purchases. This will result in my paying more for every credit purchase. This additional cost can mean several thousand dollars over the seven year period.

Desired Settlement: I would like for Meade and Associates to combine the five "Collection" accounts into one which was what was originally billed to me.

Business Response: Each of these accounts was placed as a separate account.  Even if we wanted to, we could not combine them.  *** ***** was given the chance to pay them off before being reported but was unable too.  Therefore, we have agreed to take payments and he has been making them.  We will continue to update the balances on his credit until they are paid in full.  *** ***** is welcome to file a consumer statement on his credit report where he can explain the reason for the delinquency.  While I don't know if that will help his score, it will at least let potential lenders see why he has accounts in collections.  However, combining the accounts cannot happen.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/22/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Last year I filed a complaint with Meade & Associates for annoying and repeated phone calls made to my house in reference to a medical bill. They were informed verbally to cease and desist any contact via telephone, as the phone calls get out of hand by this collection agency. Their auto-dialer just phoned and left a message saying that I owe a debt, you can keep saying this over and over there is nothing I can do about that until my employment status or lack there of changes with in the next whatever date. Hopefully, sooner then later. I know I owe a debt, I don't have a job yet, therefor since I don't have a job yet my status has not changed in reference to getting bills paid off! When my situation changes I will make the necessary arrangements to pay off what I owe one amount at a time.

Desired Settlement: I asked Meade & Associates to remove my number do not call my house. Validate any bills via regular mail only, I will save them and keep them on file with the rest which are mostly medical bills. You were told last year don't call same goes for this year DO NOT CALL ANYMORE. I've asked please very nicely the last time, now I am ordering you NO MORE PHONE CALLS! When my situation changes, I will gladly make the arrangements needed to pay off what I OWE.

Business Response: The request for no more phone calls pertains to the account she was talking about last year.  This is a new bill which is being called on.  She said to validate in writing, and we have.  Since she failed to respond, phone calls were initiated.  Now that she has asked on this account, we will gladly cease the calls.  When *** **** is ready to take care of her responsibilities, she is more then welcome to contact our office.

Consumer Response: [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Complaint: *******

I am rejecting this response because:

It doesn't matter if it's a new bill or an old bill from last year. You use aggressive collection techniques and the phone calls are at unfair times during the evening and your collectors are rude. However, i do ACCEPT the cease and desist on the phone calls. When I say stop calling I mean stop calling, it's not hard to figure out that means for a NEW bill or an old bill. I would gladly talk to a rep but they are rude and tend to talk very nasty to consumers especially from previous experience. If people owe a bill and own up to the fact that they know they are in debt and are having hard times that doesn't give the business the right to call the house to where it's annoying and be very rude to other consumers. But I'm sure that you will deny that, as well. If the calls continue, I will continue to file complaints. There is no need for rude comments in return. Just heed the cease and desist for now and future reference, until my situation changes.



Regards,

**** ****


Note: The text of your complaint may be publicly posted on the BBB web site (BBB reserves the right to not post in accordance with BBB policy). Please do not include any personally identifiable information in describing the nature of your complaint. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. BBB may edit your complaint to protect privacy rights and to remove inappropriate language.




























Business Response: 7 calls since March 16th can hardly be defined as aggressive and not a single call takes place outside the hours defined by federal law, and actually, don't even come close.  By law, we can call as late as 9pm.  Our office isn't open past 8p and in reviewing the account, the latest call placed was at 5:26p yesterday.  We strive very hard to follow the law, and nothing we have done is a violation.  While you are upset, we find that in most cases, consumers are upset with the situation and find it easy to take it out on us.  If you would prefer to resolve you balance without taking to the office, we welcome you to make a payment online at our secure website, ********************************** or through the mail at *** ********** ** *********** **** *****.

Consumer Response: [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Complaint: *******

I am rejecting this response because:

Since we're discussing the law, the FDCA also states that repeated calls to the point of being annoying is considered harassment. Also, you never validated the bill that you said you were calling on that is NEW. We're not here to discuss when your business feels that it's OKAY to bother people at all hours of the night up until 9 pm? Just DO NOT CALL AT ALL until my situation changes. I would LOVE to make a payment however, as you failed to read before my financial situation has not changed. I will do so when I can and when I can doing so online would be great! Most businesses should call consumers during operating hours  9 - 5 pm and yes seven calls by human nature is rather annoying, at best. But this will NOT be turned in to a he said she said complaint. Do as I previously and kindly asked validate this new bill by mail or you can feel free to send a copy of this bill with this complaint, that way when my situation does change I can set up an account online and make payments accordingly. Please keep in mind when contacting consumer's most would think that it's rather annoying to call 7 times or better, we're not TAKING IT OUT ON MEADE & ASSOCIATES as you claim. We're simply stating the fact that FDCA states that you cannot call repeatedly to the point where it is annoying that goes for a new bill or an old bill. It doesn't take a genius to figure that out! Do as I ask and validate this NEW BILL. No further contact and I will gladly close this matter out until my situation changes. Thank you and have a great HOLIDAY weekend!
.

Regards,

**** ****


Note: The text of your complaint may be publicly posted on the BBB web site (BBB reserves the right to not post in accordance with BBB policy). Please do not include any personally identifiable information in describing the nature of your complaint. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. BBB may edit your complaint to protect privacy rights and to remove inappropriate language.




























Business Response: The law you refer to is the F.D.C.P.A. and we have not broken the law in any way shape or form.  While you might find 7 calls in 3 months is annoying, a court ruled in 2010 that 14 calls in 3 months wasn't a violation (see ******* * ****** ***** **.).  We strive very hard to follow the F.D.C.P.A.  In regards to validation, we have sent the required notice (mailed on 3.27.12).  As documented before, we will not be calling on this account further.  Hopefully your financial situation changes for the better.  

Consumer Response: [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Complaint: *******

I am rejecting this response because:

It's nice to see that you know how to use GOOGLE SEARCH during work hours. But what ever you do there is none of my business. Do not respond back you can feel free to close this complaint out on your end but I'm positive you won't because you're busy during work hours doing google searches?! In a nutshell leave us alone don't bother calling back in the near future or responding back to this message. Some of us have other things to do then to call people repeatedly no matter how the LAW BY GOOGLE SEARCH defines it, it is ANNOYING to call more then 7 times! That's defined by human nature, which I'm sure that google search won't even give you an answer on cause your company doesn't know how to be a descent human bill collector you are STILL rude and annoying end of story!  If I hear from your company again before my situation changes, tomorrow or six months from now, it doesn't matter, there will be a complaint filed. Oh by the way, you never stated the validation on the NEW BILL which the LAW actually states that you have to do. Feel free to Google that too, you forgot to add that part about validation of this new bill! Do this by REGULAR MAIL ONLY and NOT BY EMAIL! This matter is closed! Thank you!



Regards,

**** ****

Note: The text of your complaint may be publicly posted on the BBB web site (BBB reserves the right to not post in accordance with BBB policy). Please do not include any personally identifiable information in describing the nature of your complaint. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. BBB may edit your complaint to protect privacy rights and to remove inappropriate language.




























BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/17/2012 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Purchase Information: Problem Area: Attempt to collect a debt Purchase Date: 11/6/2010 Total Price: $0.00 Disputed Amount: $1232.00 Amount Paid So Far: $0.00 Description: I rented an apartment from ** ********** dba ******* ***** on a one year lease starting 9/1/2009. At the end of that term the lease went month-to-month. On 1 Oct 10 I provided more than 30 days' notice that I would be vacating as of 6 Nov 10 and would pay the prorated rent for Nov. I was informed for the first time on or about 28 Oct 10 that the prorated rent was unacceptable; that the rent for the entire month of November was due even though I would not be in possession of the premises. I disputed this charge, among others assessed to me--included inexplicably raised rent--since that date. The terms quoted to me are in violation of ORC § 5321.13 and 5321.17, which permit termination of month-tomonth tenancies upon 30 days' written notice. The property owner originally billed me, then assigned the debt to Meade and Associates. I have been harassed about paying the debt ever since, despite my prompt notice to them that I was disputing the charge. Moreover, Meade and Associates has placed a collection on my credit report. I disputed it, and based on that dispute, Equifax was unable to verify the debt and placed a 90 day fraud alert on my account. All bureaus have been notifed. I am trying to purchase a home with a VA loan and have been told I have to pay the collection to get the loan. I am not responsible for the charges, yet the inclusion on my credit report of invalid debts is squeezing me as a form of extortion.

Desired Settlement: Satisfactory Solution: I want the debt erased and the collection account removed from my credit report retroactively.

Business Response: Our apologies for our delay in responding.  We have been trying to re-verify this balance (we did so originally when *** ******* issued her dispute directly with us back in 2011) with our client.  They have not been able to re-confirm this balance as of today so we are going to close the account and ask that it be removed from her credit report.

Consumer Response:

As you'll note from the below, ****** ****** forwarded your message to me
via email as I made an inquiry with her.  I am serving a military tour
overseas and am having some problems with web-based email, so it is likely I
did not receive your message in my Hotmail account.

I want to first thank you for resolving this in a speedy manner.  I have
been fighting Meade for years and it is a relief to know the issue is now
closed.

I do have one question though:  how can I ensure the collection is removed
from my credit report?  I ask because I am currently in the process of
obtaining a home loan that is scheduled to close 5 October; I have been told
if the situation is not resolved they will not provide the financing.  I
have sent your message to them but they're pretty finicky, so I have no idea
if it will be enough . . . .  I just want to make sure Meade follows through
so my personal life is not delayed as a result of their inaction.

Many thanks again for your assistance.

Regards,
******

-----
Subject: RE: Meade & Associates, Complaint# ******
*** *******
I checked the status of your complaint at the BBB.  I have attached the most
recent information from their file.  It appears the entry is going to be
removed from your credit report.

****** ******Assistant Director of Consumer Advocacy
Ohio Attorney General Mike DeWine
***** ******** ********* ***** ******** ****** **** ***** ******** *** *************************************


Good morning ******,

I am in receipt of your message and have considered the services offered by
the BBB.  However, I do not believe they will be useful in my case.  Please
allow me a brief explanation as to why.

First, as the documents I submitted indicate, I contested this collection
from its inception.  As such, it should never have been reported to the
credit reporting agencies.  Second, my basis for the dispute is that the
original alleged debtor, ** **********, used a lease term that violates the
Ohio Revised Code (ORC) by voiding the allowance for 30 days' notice in
writing of termination of a month-to-month lease.  They allow month-to-month
leases; they just try to control their tenants--and thus their profits--by
dictating when the tenant can move out under such leases.  This is against
the ORC as it is written.

I communicated all of this to the landlord and their various collectors from
the beginning.  They are aware they cannot pursue the debt in court, as it
is both cost prohibitive and a losing case, so they have placed a collection
on my credit report in the hope that a lender will force me to pay it off in
order to obtain approval for a loan.  That is exactly what is happening
right now.

I have applied for a VA loan that is scheduled to close on 5 October 2012.
If the collection is not "settled" or removed from my reports, the VA will
deny the loan.  As such, I am faced with paying $1232 I am not legitimately
indebted for, or lose the opportunity to purchase a home.  I find this
legally, not to mention morally, reprehensible.

To make matters worse, I am currently serving a military tour overseas.
Communication with the ***** is not easy at times.  

All that said, I am asking your office to advocate my position and ask Meade
& Associates to drop this collection that has no basis in law or fact.
Interestingly, Equifax placed a fraud alert on my credit report after
investigating it.  They obviously found a problem too.  We simply should not
allow businesses to strong-arm consumers by placing improper terms in
contracts, then extorting money out of them through the credit reporting
system.

I realize you probably have an overwhelming workload, but your prompt
attention to this matter is much appreciated, as my financing situation is
affected by it.  Should you need to contact me, please use this email
address in addition to sandramariede@hotmail.com; as I noted, sometimes the
webmail systems do not work here so I must use this address too.

Many thanks for your understanding and cooperation.

****** ** ** *****
 

________________________________





Dear ******* ** *****:

We received your complaint and carefully reviewed its contents. In an effort
to allow industries the opportunity to maintain high standards the Ohio
Attorney General's office has made special arrangements with specific trade
organizations for the mediation of selected consumer complaints.

The supplier about whom you complained is monitored by such an organization
who could offer expert advice regarding this dispute. Therefore, your
complaint qualifies for this added benefit and will be forwarded immediately
to the organization listed below:



Columbus Better Business Bureau

1169 Dublin Rd.

Columbus, OH 43215

(614) 486-6336

We are pleased to be able to offer you this specialized service. It is our
hope that your dispute will be resolved to your satisfaction. If your
complaint is not resolved to your satisfaction you still have the option to
contact our office to determine if we can assist you further.

Thank you for allowing us this opportunity to assist you. Please do not
hesitate to contact us in the future with your questions or concerns.


Respectfully, 

**** ******
Attorney General of Ohio



****** ******Assistant Director of Consumer Advocacy
Consumer Protection Section
***** ********
*************************************
 ***** ******** ***** *****




















BBB's Final Determination: Consumer accepted resolution offered by the business.

9/15/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Please find the following information that was provided back in 2010 of the police report and photos to show my documentation was destroyed to show the debt was clear and paid back in 2-02 at the store location ten years ago. The following was reported to my credit report and agency falsey. The following was sent to Meade & Assoc 737 Enterprise Dr. Westerville Ohio 43081. Per my conversation with **** supervisor at ******* on 6-12-12 ************** *** **** UT recovery stated that there was only $26.71 loction of store #*** on ******* ** **** **** *****. However, per my follow up I still have not received a letter clearing this matter. I called Meade & Assoc concerning this matter 7-10 years. I have paid $60.95,$62.43 & $63.51 to Meade but ******* is not showing theses amouts wree owed. Per ******* Dept **** that I spoke with was these amount was incorrect. So what I have paid to Meade & Assoc the should be no Balance of no $26.71 in there system. I'm now requesting that letter be sent to my e-mail address ****** *************** or my mailing address you have on file. I'm requesting a reply by 6-22-12. I have completed what was ask of me and i was insured by you that you would send me a letter stating this matter is clear. Thank you for your time in resolving this matter ASAP. If you have any question please contact me at ************.

Desired Settlement: Help me clear this matter.

Business Response: We have spoken with our client.  They said they cannot show the 2 remaining balances from 2002 are owed so they have instructed us to close them.  Regarding the check from 2005, they have told us they still show $26.49 due so we are adjusting our balance down to that.  In regards to the payments she made to us, they were posted on additional checks from 2002.  The reason our client doesn't show them, is that 60 days after posting our payments, if a check is paid in full, they purge the record from their system.  We did report those payments in 2010, and our client would have posted them and then the checks would have purged.  Therefore, the balance *** ****** has with our office/****** is $26.49.

Consumer Response:

  The following was taken care back in  2002 at the store location ****** on ******* ** to the store Manager back then which assure me that the  my information would be forward to the correct area.  I have provided my police report showing that my personal information was destroyed which could have proven that i owed no debt to ******** .  With that stating i have paid close to $200 for i debt that should have never been reported to Meade & Assoc. which is incorrect reporting. However, because of this the following balance as they are stating in owe ed in the amount of $26 I'm requesting it to be cleared and this debt removed from my Credit report and a letter sent to me showing zero balance..  I have  been a victim  of false reporting and debt under my name and I'm trying to clear incorrect information that has caused me much hardship countless time and pain trying to clear my report  from these companies that are reporting incorrect data.  Thank you for time. 



Regards,

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

Business Response: We have, as stated prior, closed any 2002 checks that still show unpaid, and we have adjusted her balance down to what our client shows for the 2005.  Once that is paid, we will happily provide a receipt showing the account is paid, but until that happens, the balance will remain outstanding and reported as such.  We will not be clearing out any balance that our client has showing outstanding.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/4/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I send in payments on my accounts with the exact account numbers I am paying on. I send them letters telling them to only apply the money to the account numbers on the check or money orders that I send in. They continue to do the same thing over and over again. They keep harrassing me. I filed a dispute before the Credit Bureau and won. They paying my money on account #******* from the say 2003. Now they tell me account number ******* is paid off and I am not paying on it. I have called at least 5 times about the same problem. They continue to do this so my accounts should be paid off but they are not because of what they are doing paying on accounts 9 and other years old, which I did not pay on. I wrote they wrong account number on 6/20/12 check, a number that doesn't exist.

Desired Settlement: Meade and Associates to stop misplacing my money and doing what they want to do with it. Return all funds that have been misplaced. Monetary damages for the stress and harrassment over the same thing. I want Harrassment to stop. Meade & Associates to stop with the force of making me pay on something I never paid on. I want $25,000.00 or more.

Business Response: We are doing our best to appropriately apply Ms. *****'s money to the 24 different accounts that she has had placed in our office.  She has been given credit for all of her payments, and we just corrected a payment she made in June to apply it how she wanted even though she failed to direct where it was to go when she sent her payment.  The only reason we call Ms. ***** is when she fails to maintain her commit as she missed a payment in May.  We will continue to apply Ms. *****'s payments to the account # indicated.  However, if an account # isn't given, we will apply the money to an account to try and pay off an account entirely, thus benefiting her as best we can.

Consumer Response: When I send in my payments they are not appropriately applying it to my accounts. The account number in on the check or money order of where to apply it. I also send them a letter telling them to only apply it to the account number on the money order or check. They still don't do it. I have been having the same problem with this company. They say I have been given credit for all of my payments, but they keep applying my money to the wrong accounts. I didn't fail to maintain nothing. I told them that I was not going to send any more money in because they keep doing the same thing over and over again. They misplaced my money and the statements they gave are not true. They have a file on me with a copy of the payments sent in, but were not applied to the correct accounts.

Business Response: Our response to Ms. ***** remains the same.  We do our best to apply her money as directed.  However, when she doesn't provide an account # or the wrong one, we try and apply it where it will best help her.  She admits that she has forgotten to include an account #, and we still corrected it out and applied it how she intends.  If she chooses, to no longer send payments, that is her choice.  However, are at a loss with how she wants us to proceed with this complaint.  If she feels money was applied properly, she can gladly contact our office and we can help her resolve any issues she feels there are.

Consumer Response: My response to this situation remains the same. They cannot be doing their best, when I constantly had to call them about the same thing over and over again. They misplaced my money. The account numbers were correct on the money orders and checks. When they misplaced my money it showed on my credit reports that payments were not made on the accounts. That made me not get the credit on my credit report. That means it hurt my credit rating at that time. I didn't forget to include an account number. The entire time I have been sending them my money I made one error. Like I said I put an account number on that one payment that was not an account number. When I noticed that one error, I called them and tried to fix it. They told me they were "not" going to correct it. Then I sent them a letter asking them to fix the problem. He said I have a moral obligation to pay that bill from 2003, after I keep telling them over and over again I'm not paying that bill. No it is not applied properly. 
































Business Response: Ms. ***** claims we have said we will not correct it, yet we have corrected our more then 1 payment, showing our willingness and desire to help her resolve her situation.  We again, will continue to post her payments as directed, however a payment hasn't been made since 7.19.12 when we worked to correct her mistake from June.  At this point, we are not sure what else we can say to show we are trying to help Ms. *****.  We again will offer to help correct out any payments she feels have been misapplied, but continuing to state they are rather than show the actual error, doesn't allow for us to help resolve the situation.

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

9/4/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has been told in 2007, 2010 and just as recent as tonight at 7:14pm told to cease and
desist in writing and orally. A female representative called me at 7:14 I told them to cease and desist
further calls to my home and told them I will contact the attny generals office and the Federal trade
commission if further contact persisted. Within 2 minutes another call was placed, I do have proof, to my
home by a male representative and told him that I told the other representative that they weren't to call
me any further he said I know. I asked him what part of cease and desist or do not call my number do
you not understand and followed that by hanging up the phone. This company always has followed
unscrupulous collection activities. I work for a collection department and know the laws pertaining to in
house collection as well as the laws regarding third party collectors and it is obvious to me this company
doesnt care about the laws they follow and their intent is to harass. I have sent two emails to this
company this evening and an immediate contact memo to them to cease and desist contacting me. I
shouldnt have any matters pending because I unfortunately had to claim BK 7 in October 2010. Please
go forward with a complaint against them for unscrupulous collection activity as well as harassment, they
are not allowed to have contact with a person and then within 2 minutes call them back that is intent to
harass from what I have been taught.
******** ******* ******** cease and desist ************
I have just sent an email stating to you to cease and desist... I am sending this as a back up email in
case the first one was not received. Your company is to cease and desist any further communications,
attempts or contact me at home work or any other person(s) affiliated with me in any way. I do not even
know why you are contacting me. I claimed bk 7 Oct 2010 that abolished any debt I owed that wasn't
paid.
I contacted your company in 2007 and again in 2010 to cease and desist contacting me at all...that
should blanket any issue I would have had or anytime in the future from your company. This evening I
got a call from a female representative of your company at 7:14. I very clearly told her not to contact me
and used the words "cease and desist" I further explained that I will contact the Attorney Generals office
and the Federal Trade Commission if any further contact with me. Within 2 minutes a male
representative called again and told him I told the previous person 2 minutes ago not to call again in the
future he said he knew that, but he persisted to call anyway which in my opinion shows the true intent of
the second call was to harass me and to break the Federal Collection Laws your company is required to
follow.

I am now contacting the Attorney Generals Office

Desired Settlement: I want further action taken against this company they have harassed me for years.

Business Response: We apologize for any inconvenience but we were not calling for*** ******* for any outstanding debt.  Her number was given as a contact number for a different person.  Since the call that took place on 8.6.2012, we have marked it as a wrong number and haven't called back based on the 3 emails we received from her that night.  

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

8/29/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I found on ****** *****.com a bill of $587 went to weade & assc. i have no record of this bill. i would like to know if this is a scam. please let me know. thank you *** ******

Desired Settlement: just wound like to know what's going on! and this taken of my credit report.

Business Response: This is in fact legitimate, and Mr. ****** is welcome to contact our office at ************ to have any questions he has answered.  We cannot release the information through the BBB pertaining to the specific situation.  We have also requested another letter go out today to Mr. ******.

Business Response: This is in fact legitimate, and Mr. ****** is welcome to contact our office at ************ to have any questions he has answered.  We cannot release the information through the BBB pertaining to the specific situation.  We have also requested another letter go out today to Mr. ******.

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution is satisfactory to me.





















Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution is satisfactory to me.





















BBB's Final Determination: Consumer accepted resolution offered by the business.

8/8/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Company first contacted me on May 16th, 2012. The representative I spoke to stated that I had an outstanding debt on a medical bill. I stated that the bill had been paid and requested proof of the debt. Meade and Associate sent me a general bill and not a proof of the debt by legal definition. Since then Meade and Associate has left numerous robocall voicemail violating FDCPA and TCPA laws. Most recent call I requested for the debt to be removed due to failure to provide me with proof of the debt, associate denied said request. I requested a cease and desist, associate did not comply and instead ended the call stating I was being rude.

Desired Settlement: I request for the false debt to be removed from my record in accordance to FDCPA law and for all contact to be ceased.

Business Response: Apparently there was a misunderstanding regarding the account.  In the May conversation, *** ****** claimed his balance was paid.  He was asked to provide proof so we could research it with our client.  We have no record of him asking for a copy.  We have not received proof so we haven't researched anything other than to confirm the balance is still owed.  On 8.6.12, *** ****** was contacted (we made multiple attempts between the first contact and yesterday) and he asked for a copy of the bill.  We have put in the request and will provide the itemization as soon as we receive it.   In the meantime, *** ****** can access his account online by going to the OhioHealth website http://www.ohiohealth.com/ and scrolling to the bottom and clicking the link where it says pay online.  He does not need to pay there, but by accessing the system, he will be able to see a copy of the bill.  He will just need the hospital account # which is on our letter, or he can contact our office and we can provide that # to him.  We have not broken the FDCPA and we will not be deleting this account from his credit file. However, because he did ask for a cease & desist, we will provide a copy of the itemization and no further contact him regarding his balance.

Consumer Response:

I would like to request a copy of the recording of the May phone call.  I did very specifically ask for a proof of the debt during that phone call and the associate acknowledged the request and stated it would be sent out in the next couple of days.



BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

8/8/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Description: Did not contact me. Found it on my credit report. Transunion told me to report them for not following the fair credit report act.

Desired Settlement: Satisfactory Solution: I want them to follow the laws and contact me because I would have paid it.

Business Response: Unfortunately, TransUnion has supplied *** ****** with some bad information as we have not broken any laws.  Her account was listed here and a letter was sent to the same address she uses in the complaint well before it was reported to her credit file.  We also called/left messages multiple times (to the same # listed in the complaint) before it was report to her credit report.  For whatever, reason, we did not get a response.  *** ****** has now paid her accounts off as of June 18th, 2012.  We will notify the credit reports with our June file (sent the first week of July) that they have been paid and ask that they please update her credit file.

Consumer Response: They called but never left messages that identified who they were and left messages to press 5 for a representative, so I disagree. I have them saved on my voicemail and I had to look up the phone number on spokeo.com to find out who was calling me. I wrote a letter earlier that I do not respond to phone calls and they need to me written information because I don't give personal information over the phone due to my identity has been stolen. I never received any written notification from them. They may have mailed it but I never received it. I mailed their check this time certified, so I have proof of payment. Every bill I pay to a hospital now will be mailed certified, so I have proof. This fiasco has taught me not to trust any one. Sad but true!!!!!!


Business Response: While we are unhappy **** *** ****** has rejected our resolution, there isn't anything that can be done.  She openly admits to receiving our calls, but for some reason chose not to respond.  Our number is not blocked for that very reason, so that when people miss a call from us, they can easily return that call should they wish. 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

6/30/2012 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I understand that this is a debt collection company. However, they spoke to be absolutely inappropriately and unprofessionally. I called them to see why they contacted me. I was told I owed for a debt. I said I would have to check my financial situation and see what I could pay. The agent, *****, started talking to me like I was worthless and not going to pay anything. He used derrogatory terms and names for me over the phone. He said I had until 6pm to call him or he would take legal action against me. This is the FIRST I had contacted them regarding the debt. I called back to speak to his supervisor. Needless to say, the business office manager as he caleld himself, gave a half-hearted apology and started with his own derrogatory terms for me and telling me how I was going to skip-out on paying the loan. Is this illegal? Probably not. It is completely unprofessional and caused stress and emotional upset that should not be allowed to happen. Completely unprofessional, and I would like a written apology from *****, his manager, and I will be contacting the owner(s) to take it further. Typically, I ignore rudeness, but this is completely un-called-for.

Desired Settlement: I would like a written apology and acknowledgement that the way I was treated was unprofessional. BBB should definitely be aware that this company condones this type of behavior.

Business Response: We apologize to *** ********* for what she felt caused her undue stress and making her emotional.  The office doesn't condone derogatory terms and highly doubts that that happened, but if *** ********* felt that that happened, the our apologies again.  She is also upset with the apology she got on the phone, and for that, we are sorry as well.  We will address her issues with the individuals involved.  However, one major thing *** ********* leaves out is that she told both staff members of her intent to file bankruptcy.  In our experience, when someone says they are going to file a bankruptcy, they have no intention of resolving the debt so we inform them of all that can take place.  She also says this is the first she has heard of this, but our office also sent letters to the same address she uses in her complaint.  If *** ********* does want to resolve the debt, she is more then welcome to make payments to our office, but it appears from her last conversation with the office, she intends to pay both client's directly (this conversation took place after the two conversations she is referring to).  If that is to happen, we do ask that we can be kept in the loop to ensure her account doesn't move forward.  

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/26/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: ****** & Associates is attempting to collect on an account that was closed 2 years ago. On 2/13 received calls from Meade & Associates collecting on $400 unpaid bloodwork bill. On 2/14 I contacted my medical insurance customer service because this was already closed in May 2010 after an investigation determined that the lab had mistakenly billed the wrong insurance company and also had sent me a bill to an apartment address that was not my current address at the time of the lab services. The insurance agent followed up with lab billing department. The *********** at ***** Labs billing department contacted me on 2/20 agreeing it was resolved/closed in May 2010 (as indicated above) and that I should contact her directly if a collection agency attempted to contact me again. On 3/8 I received another phone call from the collection agency in which ****** asked me if "I was ready to settle this?" I immediately told ****** that the hospital and insurance had communicated to me that the account was closed and that ****** & Associated should contact the hospital directly. ****** refused to contact the hospital and said the matter was still open. That the hospital should contact him. He refused to accept any response other than that I was in the wrong and that I should "take responsibility". I relayed to ****** that the hospital specifically requested that I contact them directly if another further collection was attempted. I am either have to assume that ****** & Associates is attempted to collect on closed accounts or that ****** is scamming clients by attempting to personally collect on closed accounts. If not then the reasonable position would have been for ****** or ****** & Associates to contact *********** at ***** Labs to resolve the matter.

Desired Settlement: I am not seeking a settlement. But I do wish to report Meade & Associates since they claim to be a BBB member and they are not conducting themselves professionally.

Business Response: We apologize to Mr. ****** for the situation. Now that Mr. ****** has put his dispute in writing, we can take it to our client. The reason we ask for it in writing is so there is no misunderstanding in the explanation. We will look into his claim that the money is no longer owed, but until our client can confirm it, the balance will remain outstanding. Hopefully we hear back from our client stating the same thing, but if they don't, we will let Mr. ****** know.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/9/2012 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: 2/15/12 .Acct # XXXXXXX. Called from collections.I explained to ****** that I have and will have continuing outstanding Dr. bills. I am taking exp.monthly treatments for RA. Fybromyalgia,plus. These treatments are for life I have alot of outstanding doctor bills due to my health problems. I am not able to work. I offered to pay $10.00 a month and ****** ******* rude comments were I am surprised that you own properties and a business and can't afford to pay bills. Well that is a personal opinion from someone outside looking in. Yes we owe on everything. My husband is self employed and poor work due to the economy. His health is also poor. Cant sell properties due to the ecomony. we have tried! The problem is when I explained that I will have continuing bills coming in due to this problem than ****** the Supervisor said that he would not except my payments of $10.00 mth and turning over my accounts to a attorney for collection. They will keep getting bills because I have to have medical care and medicine. So I am being put out because I am ill. That is descrimination. Society doesnt care that Im ill. Collections said ****** Hospital will not except $10.00 a month. At least its a attempt to pay something. What are my options?

Desired Settlement: I think that collections when looking into ones personal life. Should not be able to judge a person by whats on paper. Up to a few years ago I could work fulltime and handle a job. Not anymore. Im not on welfare. If I were this would not be an issue. I am following up with ****** Community Hospital to see why this amount is not exceptable. Collections should let you pay whatever you can afford and when you are able. The harsh comments about a persons personal life style is none of there business but ****** said it is there business. Yes, we have worked our whole lives and could pay bills in the past but things have changed. I think ****** & Associates should have to except what a person can pay reguardless of the amount. ****** plans are to pass this onto a Attn.and told me they would put a judgement against me. Also if I send in a payment he could not say where it would end up? Also it would not be excepted? What? Did he just refuse a payment on a bill? Thats real professional. As far as ****** ****** she really upset me on how she conducted herself on the phone and when she got me upset after her rude comments she told me she was sorry I was having a bad day and hung up on me. It is not her place to judge anyone! Her Customer Service Skills. NOT! I feel I was harassed by this company and I want an appology from ****** ******, ****** and Meade & Associates. I offered to pay $10.00 a month as able.

Business Response: We are sorry that Ms. ****** had what she feels is a bad experience with our organization and will address it with the staff members she refers to. We can and do accept payments all the time, but we also have to make calls regarding situations where we feel arrangements are not necessary or acceptable. In this case, we can see where payments would be acceptable, but they need to made at a reasonable offer. At the rate promised, we are talking about payments lasting 47+ years, which is something we simply cannot agree to, especially when someone is employed, and also when they own multiple properties. If Ms. ****** would like to make a reasonable offer, we can see if it is acceptable or not and help her resolve the balance. An alternative would be to see about possibly taking out a second mortgage on these bills and resolving them at a reduced rate. If she is interested in that possibility, she can certainly call our office and we can see if the offer is able to be accepted.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/13/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The constituent said she had a medical bill through ****** & Associates of$81.52. The consumer said she could make payments of $20 per month, and the agency agreed. The agency put this on her Equifax credit report. The consumer said she is upset because she thinks they should not have reported it to Equifax as long as she makes the payments.

Desired Settlement: The consumer wants this taken off her credit report by the collection agency.

Business Response: We are sorry for any misunderstanding that may haven taken place with Ms. ******. Unfortunately, making payments does not prevent any unpaid balance being reported to the credit bureau's and we cannot remove the accounts. It would however, reduce the amount being reported. Now that Ms. ****** has resolved her balance, we have notified the credit bureau's of the fact that all accounts are at a zero balance. We would encourage Ms. ****** to file a consumer statement on her credit report if she wants to explain to future viewers why the accounts ended up on her credit. It is a way for her to share her side of the story with potential lenders.

Consumer Response: I am writing again to please ask ****** to reconsider their decision to report the debt to Equifax and other credit reporting agencies. I am respectfully asking ****** to remove the debt from my credit report because the collector failed to disclose key conditions of the offer. When I was contacted by ****** and worked with ****** on a payment plan the collector did not tell me that if the debt wasn't paid in full within 60 days it was going to be reported to Equifax and the other Credit Reporting agencies? If the collector had disclosed that to me I would have paid the debt off within 60 days. Thank you for your time.

Business Response: While it might seem that way (based on everything you read on the internet), this is not a position we have any control over. The F.C.R.A requires us to report true and accurate information to credit bureau's of consumers. We can't just delete an account from someone's credit report based our on understanding of the law. In regards to our office not telling her of the 60 days, I am sorry if that didn't happen, but we are not obligated to tell people that. And in this case, there would have been no need because in our first conversation, the arrangement she offered and we agreed to would have had the account paid off on that 60th day, and therefore would not have been reported at all. However, she did tell us later that she fell into a financial hardship and wasn't able to maintain the arrangement so we allowed lesser payments to be made over a longer period of time.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/31/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On Jan. 4, 2012 at 11:34am EST. I received a telephone call at my residence from ****** & Associates regarding an alleged outstanding collection ****** in the name of my wife ************ The collection account was from *************. A representative of ****** & Associates, by the name of ****, began the call by asking for "*****" or "******". I advised him that I am ****** and without verifying my last name, address, *****'s Date of Birth, Last four of Social Security number or any other secondary identifier he began to openly disclose the purpose of the call, the amount of the money owed and the name of his client. Bear in mind that I myself am in no way responsible for this ****** nor has my insurance information ever been tied to that of my wife. Beyond that ****, who was calling on behalf of third party collection agency, failed to disclose that his call was from a debt collector and that his call was an attempt to collect a debt and any information provided by me could be used for the purposes of collecting said debt. Nor did he state that my call was being recorded and/or monitored. To compound his passive intimidation and deceptive tactics **** implied that he was calling from a law firm. After attempting to gain some footing during the course of the call, **** began to repeatedly interrupt me, which I felt as harassing and I ended the call. Agitated and in complete disbelief by ****'s behavior, I immediately called back to Meade & Associates to complain and ****** ****** answered the call. ****** also disclosed account information prior to proper verification and advised me that he himself would look into the matter of my call with **** and that he would listen to the call. Is this something that ****** can actually do? It seems unlikely that a regular representative would also be tasked with quality assurance. Frustrated by the repeated indifference to my concerns and inconsistent information from ****** and ****, I asked that ****** have one of the attorneys call me right away, so that I could discuss the violation of my rights and those of my wife. ****** conceded that he would have an attorney call me. Later that day at 1:44pm I missed a call from XXX-XXX-XXXX. I immediately returned the call, ****** answered and transferred me to ****** ******. He refused to listen to the phone calls even after ****** stated that all of their calls are recorded internally, and that certain laws such as the FDCPA are open for interpretation. I explained to ****** that what his company was doing was illegal and that I could sue to have my rights protected. This comment too was met with apathy. Upset and flush, I thanked ****** for his time and ended the call, promising further action on my part. After the call ended I was so emotionally wrought that the anxiety caused me to physically vomit. Even though I've gone months without an anxiety attack, this call caused me to relapse into an embarrassing episode in the presence of at least two coworkers. I called my psychiatrist because of past personal issues with anxiety and he agreed to see me that afternoon, which he did. I find it hard to believe that companies are actually allowed to do this to people and get away with it. When does consumer protection kick in?

Desired Settlement: I intend on filing a civil complaint unless Meade & Associates can attempt to address these blatant and offensive actions by their employees. No one should ever have to endure the embarrassment that i have endured as a result of the actions of Meade & Associates employees.

Business Response: It is always our policy to deal with consumers in a professional and courteous manner. We apologize to Mr ****** for any misunderstandings that may have occurred. We have discussed this situation with Mr ****** and have resolved it and agreed that there were no violations

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/26/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is trying to charge me 18.5% interest on an unpaid school bill when the original document states 1.5% interest on an unpaid balance. Meade and Associates is stating that I owe $5,858.53. The collection bill that I was sent states that I owe $3,980.11. This bill was sent on November 17, 2011. Therefore, they are stating that I have to pay 18% interest on the amount owed. So in two months the bill has grown from $3,980.11 to $5,858.53. The original document that I signed states that I must pay 1.5% interest on an unpaid balance not 18.5%. They are just trying to make money off of me and they have harassed me by making multiple phone calls everyday. I tried to pay the amount owed on the bill today and they stated that I would have to pay the $5,858.53 yet they had no proof over the phone of the charges and when I asked for the representative to look for the itemized charges he stated that he would have to have the secretary look for it in the file room at another time.

Desired Settlement: I want to pay the amount that is stated on the bill I received in November and the amount that the University of (****) states that I owe. ($3980) I am not paying the supposed amount by Meade and Associates when they couldn't even provide documentation of the charges over the phone and they are trying to charge me 18.5% interest when the original document states 1.5% interest on the unpaid balance. Also, I would like to pay the University of (****)instead of Meade and Associates since the University of (****) is the original creditor. Because of what this company has done, I would prefer them to not receive a dime of my money and the true creditor: The University of (****) receive what is owed directly from me. Who knows? Maybe this company will not even pay the Univerisity of (****). If they are trying to charge me 18.5% interest, there is no telling what they may do next. This company should not be permitted to do these kinds of things to people. What an injustice by this company!

Consumer Response: I do not wish to pursue this complaint any further. It was a big misunderstanding between Meade and Associates and we have worked this issue out.

BBB's Final Determination: Consumer accepted resolution offered by the business.

1/25/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Meade and Associates has failed for over 3 years to provide me with debt validation, so I request the debt be removed from my credit reports. For more than six months, I tried to work with Meade and Associates directly and had repeatedly requested any proof of indebtedness such as statements, invoices, promissory notes or other commitment to purchase that I had made. Meade and Associates failed/refused to respond to any of my requests. For the last two months, I tried to work with (****) and Meade and Associates collectively, again to no avail. To date, more than six months after my original inquiry, I have yet to ever receive any communication at all from either Meade and Associates or (****). My contention is that this debt is in no way mine, and I respectfully request that it be immediately and permanently removed from my credit reports. My assertion that this debt is not mine is further confirmed by the fact that neither Meade and Associates nor (****) can offer and validation of the erroneous debt.

Desired Settlement: Neither Meade and Associates, nor (****), have followed the law by responding to my requests for Meade and Associates to validate the debt they claim I owe. I have stated and maintain that the debt they allege is mine, is in fact, not my debt and that is substantiated by the fact that no proof can be provided. I request that Meade and Associates remove this invalid debt from all credit reports as the law requires them to do. This is not my debt. Certified Mailings w/Return Receipt: 7011.1150.0001.4975.1432 7011.1150.0001.4978.1835 7011.1150.0001.4975.4303

Business Response: We have in fact followed the law as required. Back on 9.11.2009 Mr. (****) asked for an itemization as he disputed the account. We mailed it to the address provided the same day. The mail was never returned and when we received his dispute the next day, the information provided was the same where we mailed the information. It was mailed to 3500 Fairmont St Suite 530 Dallas TX 75219. The FDCPA states that we must validate a debt with 30 days of receiving notification of dispute. We validated the debt the same day we received the notification. Since then Mr. Bowen has continued to send dispute letters to us, but we have followed the law.

Consumer Response: (The consumer indicated he/she DID NOT accept the response from the business.) This absoultely proves that this organization is nothing but liars! Please notice on ALL of my certified demand letters that I tell them to respond to the address of (****). They were NEVER provided the address on (****), because I have not lived there in YEARS. They are LIARS, CROOKS and SCOFFLAWS. Attached are some certified mailings to this criminal organization clearly indicating what is needed to follow the law, and they did not abide. This $30 owed is NOT mine and will NEVER be paid under any condition. Furthermore, they have violated the FDCPA by calling the telephone number listed on my certified mail to harass me about the debt they NEVER validated. Additionally they continue sending me collection letter to the CORRECT address. They are playing nothing more than a game of address swap to avoind following the law.

Business Response: Here is more detailed information from the "LIARS, CROOKS and SCOFFLAWS" which will shed some more insight on Mr. (****)'s situation. The FDCPA states that we must notify a consumer of the following: Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt, or any portion thereof, we will assume the debt is valid. If you notify this office in writing within 30 days from receipt of this notice, this office will obtain verification of the debt and will mail you a copy of such verification. If you request this office in writing within 30 days after receipt of this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. Now, I provide all of that because, we sent the above text to Mr. (****) on 8.9.2006. He called in on 8.25.06 to stat this was his co-pay and that he always pays that at time of service and that our client is wrong and he wont be paying. The client confirmed the outstanding balance at that time. I find it interesting that the address Mr. (****) hasn't lived at in years was provided to us. For a $30 bill, we wouldn't do any sort of skip-tracing trying to locate a new address when the one we had was provided to us by him on the 8.25.09 conversation. In other words, the address (which he basically confirms is good) came from him. We also, back in 9.11.09 went above and beyond what the FDCPA requires of us. In an effort to not take offense to all the name calling, we have gone through our archived files and have attached another copy of the bill for Mr. (****). He can from that point, utilize our on-line bill pay function or simply submit payment via US Mail.

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

11/18/2011 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I WAS TOLD THAT I OWE THEM MONEY AND SAY I NEVER SAW A BILL FROM THEM. AND WAS TOLD WILL SEND IT OUT AND STILL NEVER GOT IT .AND WHEN I ASK FOR A COPY OF THE BILL. AND THEY REFUSE TO SEND ME ONE BECAUSE OF THE BILL WAS PAY FOR IN FULL. AND TOLD THEM I NEVER SAW THE ACC TO GET THIS MESS FIX. PLEASE ANSWER

Desired Settlement: No specific settlement stated

Business Response: The first letter was sent out on 9.5.2011. He called our office on September 29, 2011 and said he needed a letter. One was mailed to the address above on 9.30.2011 and then again on 10.19.2011 and neither has been returned. We then spoke with him on 10.24.2011 and informed him that we had just been told his account had been resolved directly with our client.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

11/4/2011 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Rcvd collection letter in mail. Contacted company on 10/4/11 at approx 4:30pm to inquire why the letter said I owed $249.84 from an apt I moved out of 9 yrs ago. Rep said he had no detailed info but would call then next day with the info. Rcvd call on 10/5/11 at approx 12pm from rep. He said the apartment was charging me for paint & saying there were nail hole damages. I explained to the rep that I've never used a single nail in any apartment I've ever lived in & I only use push pins which do not produce damages to walls. I also explained that I had requested an inspection from office prior to moving and that I would like to dispute the charges and even take it to court if need be. After a few min of going back & forth about the charges, the rep became very rude & went as far as to insult me by making comments like "Well if you wanna waste your $ on disputing it instead of paying your bills, I have better things to do like contact people who actually wanna pay." I replied "What are you trying to say? Are u implying that I don't pay my bills?" He started to make sarcastic remarks saying, "Well we're talking $250 here. You don't wanna pay your bills, that's fine & you can just deal with it when it goes on your credit report!" I asked him "Ok if u received a letter from a collection agency from an apartment u moved out of 9 years ago, saying you owe $250 for something you KNOW you didn't do, would you just fork over the money? I have every right to dispute this claim!" I then asked him to just send me the paperwork & I would take the necessary steps to dispute the charges. He then started to cut me off while I was talking saying he didn't have time for this and that I don't pay my bills. I then repeated "Look, just send me the paperwork because you're just being an a**hole right now & trying to insult me." He said "Well I've been called worse but whatever......" I then asked his full name and he replied (****). So I asked him "Is that with a (*****) or with a (****)" and he got smart implying that I didn't know how to spell. I said "Some people spell it with a (****) and some spell it with a (****)." Towards the end of the call he made a reference that I had received letters before from an agency. I was trying to explain to (****) that I had received something from a company called **** but the charges were for an address that I had never lived in and had a different last name on the tennant code. Also I had did a little research on the internet about **** and found multiple complaints from consumers saying the company was possibly bogus trying to milk consumers of $ they didn't owe. I even called the number on the letter & got a voicemail that didn't even say the company name. I only said "If we don't answer the phone, you need to leave a message! Otherwise we don't know you called" I only got as far as the word **** when tryin to explain this to (****). He then cut me off & became irate saying, "Why didn't you tell me this before that you received a letter...you knew about this & you don't wanna pay your bills, etc." I told him just send me the paperwork & that's it. I called back & asked to speak to a manager because of (****)'s behavior when speaking to me. A guy named (****) got on the phone. I started to explain what was going on & as soon as I mentioned that I looked into **** possibly being a bogus company, (****) cut me off & became irate because I said that. I made numerous attempts to try to finish my story & even told him "I'm just telling you what I researched on the internet and that the BBB had so many complaints they were not listed in their system." From that point I was never able to finish because (****) wouldn't let me talk and accused me of trying to cut him off from talking. I told him he never even let me finish my story in the first place & immediately cut me off when I mentioned ****. He then insulted me saying "You just believe everything you read on the internet....I'm gonn end this call....etc."

Desired Settlement: I want these charges removed because I did not damage the apartment from the address I moved from 9 years ago (****) at ***** Apartments. I have read numerous complaints regarding **** **** and **** about how they were trying to milk $ from consumers from apartments they moved out of...basically charging them for damages they did not do or charging the consumers for maintenance that is normal process for apartments after tennants move out (fresh paint on walls, carpet cleaning (or in my case carpet replacement because I lived in the apartment for almost 4 years). I do not want this collection going on my credit report. I also feel Meade & Associates, Inc. should be held accountable for the way the treated me over the phone like I was a deadbeat consumer that does not pay their bills, but I should just fork over the money because they said so.

Business Response: Thank you for the opportunity to address your concerns regarding the outstanding balance owed to our client. We understand there may still be some hard feelings between yourself and our client about the move out, we want to share with you again, the balance sheet which explains the charges and the amount due. We apologize if this was not explained to you in a polite and courteous manner which you could understand when you reached out to us. We would be happy to work with you to create a repayment plan if you would kindly contact us at (XXX)XXX-XXXX. Thank you for your patience.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/3/2011 Billing/Collection Issues
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7/20/2011 Billing/Collection Issues
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