This is the email that I just sent Robin Holland at Equifax: Subject: Fraudulent company MEDCLR,Inc. Dear Robin, I call the Corporations office of the Department of State for Pennsylvania. I spoke to Erin. The phone number is (717)787-1057. Businesses MUST register with this office to do business in the state of Pennsylvania. Erin informed me that there is NO SUCH COMPANY! I told her that the address given to me by "Tom" (the man both Vicki Banks and I talked to) gave me for that company is 507 Prudential Rd, Horsham, PA 19044. This is the same address I was given when I asked for and address to serve lawsuit papers against NCO Financial. Erin looked up NCO Financial. There were NO dba's or "previous names" (from mergers) that even remotely looked like MEDCLR. Please investigate. It is only fair that if you cannot validate that this company exists that MEDCLR accts be deleted from ALL Equifax files. Thanks! Dianne M. Royal They are not a valid company and they are not registered to to business in the state of PA!!! Get your lawsuits ready!!!!
SC, This is great info!! I'm right along with you. I have a two accounts under Medclr. and get the same info when I call. kathy
Please also understand, the email went to the VP of consumer affairs at Equifax and she asked me to email her the information. "Vicki" works for her and we had "Tom" from NCO on a 3 way call in addition to "greg" and "christine" (all at NCO). NCO reported to Equifax that they bought all of Medclr accts. When Vicki and I were talking to Tom at NCO, he stated that they did NOT own Medclr, they were just reporting "for them". Medclr is listed at the OC. Allegedly they "bought" the original account from whatever doctor or hospital. You CANNOT get anyone to give you an address or phone number to this alleged company! Robin is forwarding my information to their compliance department at Equifax. If they cannot prove that Medclr is an actual company in ANY state, they have to delete. How can they declare verified, when the verification for Medclr comes from NCO and NCO "does not own" Medclr and noone can talk to anyone at any company named Medclr. This is FRAUD in the first degree. They claimed that they did not report any 90 day lates. They claimed that Equifax did that. Vicki was horrified. She said that they did not. The girl, Christine, said that they did! Then she said that the last report that they made on DHs bureau was 6/24 and yet, Equifax can PROVE a report on July 2nd! To top it off, my DH and I disputed, via phone, the account on July 1. PROOF of VINDICTIVE behavior!!!! Ohhhhhh! They are SOOOOO Screwed! Lawsuit is going to be filed on Friday and I have Equifax, no less, as my witness!!!!! My DH is going to look for a lawyer who will take this on as a class action against NCO!!!!!!!!! (any post id difference is one from work, one from home.)
What are you saying? There is no MEDCLR in any state, or, they are not licensed in PA? I don't understand. Thanks, Cliff.
The truth appears to be that MEDCLR is no longer in business. NCO is fraudulently using the name to report as an OC and hurt consumers with 90 late reports....their penalty for disputing! They are absolutely NOT registered or licensed to do business in PA (The address NCO will give you for lawsuit or dispute.) I have checked Texas. (Where Baylor Hosp the ORIGINAL OC is.) There is NO records of a business name MEDCLR to do business in the State of Texas. They are not listed in SC where I currently live. I will leave it up to Robin VP of Consumer Affairs at Equifax and their compliance department to finish the other 47 states! However, NCO is claiming that they are not and do not own MEDCLR and that MEDCLR is a separate company. Yeah Right! Try and get an address, phone #, CEO or anything else that does not get answered "NCO Financial"! As far as why do a class action? This is MAIL FRAUD, WIRE FRAUD, Deceptive Collection Practices, etc. With all us creditnetters and the other folks in credit hell, we might just hit them so hard in the wallet that we put these jerks out of business!!!!!
Here's their website, and a list of affiliated companies. Ring any bells? http://www.medclr.com/affiliates.html
You may wish to talk with David Szwak. He's an outstanding FCRA / FDCPA atty and he could help you guys with a class action (or faster still, with your individual lawsuits). He can work with a local atty on your behalf on contingency. GO GET THEM!!!!!
Thanks! Every search I tried for Medclr provided no results. On their site they state: 'Accounts become the property of MEDCLR, meaning that we handle the hassles and work, as well as the associated costs. Unlike a collection agency, we will actually own your bad debt accounts. We will handle all inquiries and complaints; you need not ever be bothered, again. And even though we become the creditor, you will know we are handling accounts responsibly, thereby minimizing complaints. Our clientâ??s satisfaction is our highest priority. " They also state "if this is about your consumer account, call 877-202-9074 ONLY!" Guess who answers??? - Duh! NCO financial. For those who want to "complain to OC..." to make them liable per another thread, here is the info: Warren Dedrick - Pres and CEO Amelie Jenkins - Pres Medclr Medclr, Inc. 923 Toppino Dr. Key West, FL 33040 (800)373-6625 (305)295-6180 (305)295-1332 (fax) I am going to fax them my complaint that Medclr is a "front" for NCO financial and have created a bogus company to commit fraud upon the industry and allow and support the FDCPA and FCRA violations of their company NCO financial. Their own page states that THEY collect and they also state that they are NOT a collection agency. Their site also states what information must be sent for the accounts purchased, information that NCO denies having!!!!!! Iincluding phyiscian name. Mr. Warren had MEGA experience in the collection industry. He founded this company. What he (and us netters) know is that the FDCPA does not apply to OCs. Through purchasing the debt and "becoming" the OC, he can finally be immune from being prosecuted for violations of the FDCPA. I am going to report this to the FTC, that they ARE a collection agency and they created this front to abuse comsumers carte blanche and without impunity. Hope we can shut them down!
Here is what I just filed with both the FTC and the BBB of SE Florida: Warren Dedrick is Principal Owner and CEO of Medclr. According to the web page, he has many years experience as a collection agent and a collection agency owner. In my opinion, he realized that the FDCPA does not apply to Original Creditors, only collection agencies. According to their site: "Accounts become the property of MEDCLR, meaning that we handle the hassles and work, as well as the associated costs. Unlike a collection agency, we will actually own your bad debt accounts. We will handle all inquiries and complaints; you need not ever be bothered, again. And even though we become the creditor, you will know we are handling accounts responsibly, thereby minimizing complaints. Our clientâ??s satisfaction is our highest priority." And "If this is about your consumer account call 877-202-9074 ONLY!" Of course this is NCO financial. Mr. Dedrick has created a shell company to isolate him from the rules and regulations of FDCPA. NCO claims to the Credit Reporting Agencies that they bought Medclr accounts. When confronted (3 way call between Equifax VP, Dianne Royal (consumer) and NCO rep Tom), they claim that they 'are in partnership with and do all the reporting for Medclr but do not own them or their accounts". ALL information they give to contact the company Medclr is identical to NCO financial. NCO financial is the most notorious violator of the FDCPA and the FCRA. Medclr is not licensed to do business in PA, the address given by NCO. This is a fraud perpetuated against consumers and the government that needs to be shut down. Also, Medclr claims to own the accounts, but they refuse to deal directly with the consumer or to validate any debt with the consumer. Looking at the address, I would highly suspect that this is a perfect front for drug money laundering!
Sorry to beat a dead horse, but according to the STATE of Florida Corporations list, Medclr in Key West and Tallahassee are INACTIVE. Their ACTIVE listing is: "Foriegn Profit" PRINCIPAL ADDRESS 333 GLEN ST. STE 200 GLENS FALLS NY 12801 Changed 04/16/2002 Tallahassee listing states "registered agent REVOKED 5/26/1999" Document Number F99000000142 FEI Number 650875009 Date Filed 01/08/1999 State DE Status INACTIVE Effective Date NONE Last Event WITHDRAWAL Event Date Filed 05/26/1999 Event Effective Date NONE --------------- Their ORIGINAL Key West listing is: Document Number P98000082043 FEI Number NONE Date Filed 09/22/1998 State FL Status INACTIVE Effective Date NONE Last Event VOLUNTARY DISSOLUTION Event Date Filed 01/05/1999 Event Effective Date NONE ----------------- NOW as Medclr II, Inc. Foreign Limited Liability MEDCLR II, L.L.C. ------------------ PRINCIPAL ADDRESS 923 TOPPINO DRIVE KEY WEST FL 33040 Changed 05/10/2001 ------------------- MAILING ADDRESS 923 TOPPINO DRIVE KEY WEST FL 33040 Changed 05/10/2001 Document Number M99000000850 FEI Number 650681963 Date Filed 06/09/1999 State DE Status ACTIVE Effective Date NONE Last Event REINSTATEMENT Event Date Filed 11/05/2001 Event Effective Date NONE Total Contribution 27,500.00 --------------------- Registered Agent CORPORATION SERVICE COMPANY 1201 HAYS STREET TALLAHASSEE FL 32301-2525 ---------------------- Manager/Member Detail Name & Address Title DEDRICK, WARREN 727 WASHINGTON STREET KEY WEST FL 33040 MGRM Do we see that they have had problems with the State of Florida!?!?!?!?! Notice that the state above says DE... Delaware! but the addresses are FL?!?! I just sent email to State of Florida Corporations office challenging the validity of this companies business and asked for a State investigation. This is becoming a personal vendetta. Sorry, folks. If you want me to stop posting on this subject I will, but think about it. They are located in Key West...the drug import capital of this country. They buy medical accounts (with what money?) and then refuse to be contacted by the consumer, but they are supposedly the OC! Everything has to be done through NCO. This looks strongly like money laundering.
I sent the above 2 posts to Don Richman of Transunion and Robin Holland of Equifax. At the tail end of the email, I put the data on "front street" "Technically, Medclr of Florida does not exist anymore. The company Medclr II is a reinvention of Medclr on 11/2001. That puts any account listed as Medclr prior to 11/2001 as invalid. Medclr was reinvented in NY in april of this year. How can they have owned and reported on accounts between 1/5/99 and 4/2002??? Their company Medclr did not exist. Medclr in Florida is not Medclr but MedclrII. Since Medclr could not have owned any accounts during this period, there was and is no authority for NCO financial to collect or report on them unless Medclr was illegally continuing a "voluntarily dissolved" company."
One more... Glen Falls, NY huh? There is NO Medclr registered in the state of NY. Delaware does not have a search engine!
If the account was in default at the time of purchase, they are NOT an OC. They are bound by the rules of the FDCPA. (see the FTC staff opinion leeters reguarding the "originated debt" exemption) JohnM
OH, SCMom... I'm so GLAD you came across this info. DH has 2 accts with Medclr. One was put on his CR back in '99 (I think) and the other one JUST went on his report about 2 mos ago. Only surprise surprise! ALL of our medical claims have been paid through insurance (I checked with our insurance co), and NEITHER of these accts are valid. But of course, they do not respond one bit to snail mail, e-mail, or fax. PLEASE PLEASE... I am highly interested in your investigations. Please continue posting about this scummy company. Thanks!
SCMOM, I was just curious. did you file a suit against them on friday ? also, did you happen to find out anymore info on these lovely people ? kathy
Actually, I got David Szwak to respond. I am compiling the information for him to place the lawsuit. Yes, I found that they are parading around like a "financial institution" but, as was said above, they ARE held to the FDCPA. We should all go after Medclr. Use their Key West address. Send all correspondence to Key West. Compile as much evidence of FDCPA violations as we can. Medclr is not registered to do business anywhere but FL. (Even then, it was questionable!) I will keep the board informed as I progress along! There is another netter who has contacted the Banking Commission in Fl to get them from that direction..... so the saga continues!
