Adelante, Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 782XX	Web
Several months ago, I received a collection call from a collection agency called Account Services. They advised me that I owed {$490.00} to a company called XXXX XXXX XXXX XXXX XXXX XXXX. I advised that I didn't think that I owed them any money, and they advised me that it was for XXXX done on my XXXX. First, I was surprised that they were in possession of medical records. I was aware that I had consented to allow records to be sent to other medical professionals that I was working with, but I didn't realize that XXXX was able to send my medical records to a bill collector. It seemed a bit of an invasion of privacy. However, I assumed that it was a mistake because I've never had an XXXX injury, and I had no recollection of ever having received a bill. I advised them that this must be a mistake, and they assured me that it was not. I told them I would look into it, but I didn't immediately do so. Over the next few months, I was called repeatedly by Account Services attempting to collect this debt. On each occasion, they assured me that it was for scans done on my XXXX which I knew to be false. When I insisted to one of the collectors that I had never had an XXXX injury, she told me that if this was true that I would have already filed a police report by now for identity theft. I advised her that I had no reason to believe that my identity had been stolen. I just thought they were trying to collect a debt that I didn't owe. Even though they knew that I was disputing the validity of the debt, they reported it to the credit bureaus. When I filed a dispute with the bureaus, they sent me a written response as validation of the debt. When I saw the dates of service, I suspected that this might actually be connected with some appointments I had regarding a XXXX injury last year. I called Account Services and offered to pay the amount due, if they would delete the derogatory reporting from my credit. I didn't think I should owe that much, but given the length of time that I had passed, I figured my best option was just to pay it. However, they refused to clear up my credit. They said that the best they could do was to show it paid in full. I advised them that I wasn't going to do that because I didn't feel that I had been properly invoiced. Rather, I advised them that I would be contacting XXXX XXXX XXXX XXXX XXXX XXXX to resolve. Prior to calling XXXX XXXX XXXX XXXX XXXX XXXX, I decided to confirm the amounts owed by reviewing my health insurers website. I was surprised to find that there was no record of a claim having been filed by XXXX at that time. So, I called XXXX and advised them of the situation. The representative told me that they had changed computer systems earlier this year and no longer had records from last year. She showed no outstanding balances owed by me. I advised her that if that was the case, she needed to have Account Services delete the derogatory credit. If they don't show that I owe money, they shouldn't be reporting. She advised me that all records had been sent to Account Services, and that I should just take their word for it that I owed the money. I insisted that they needed to delete the reporting if they had no records. I made it clear that, even if there was a balance due, they hadn't filed an insurance claim according to XXXX XXXX XXXX XXXX. She put me on a very long hold and came back with an amount that she said that I owed. I asked her where she got it, and she told me that, contrary to what she had just told me about them no longer having those records, her manager actually still had access to them. However, all she had was an amount owed and no specific records of my visit ( including details of any insurance claims filed ). The information she gave me was basically the same thing that Account Services had. I suspect that she actually called them for the information rather than obtaining it from her supervisor as she said. However, either way, their records of what they did as far as filing an insurance claim are very sketchy. Given that XXXX XXXX XXXX XXXX has no records, I don't think a claim was ever filed, and I certainly don't feel comfortable paying when the only records are in the hands of a collection agency. I don't owe the Collection Agency anything. I MAY owe XXXX TXXXX XXXX XXXX XXXX XXXX, but they have no records.
11/03/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 781XX	Web
I went to XXXX XXXX in XXXX. The bills they sent were to an invalid address. I hadn't received any statements due to the address used. Since COVID began in XXXX, I have not had a reason to visit the clinic and was unaware of any outstanding amounts due. I was receiving phone calls to my work mobile phone and generally can not answer an unknown number. In applied to refinance my mortgage loan iXX/XX/XXXX XXXX, XXXX and was advised by the lender of the collection accounts. This was the first I was made aware of the outstanding amounts due. I contacted XXXX XXXX asked to pay the amounts in full. They advised the accounts were with a collection agency and that I needed to contact the agency. I called the agency and requested the bills to be emailed to me since I had not received them by mail. Upon receipt of the emails, I identified the address was invalid. I had not received any notifications of the bills or the, now, past due amounts. I made arrangements to pays the balances. Both of the accounts are now paid in full. I mailed several letters to both Account Services and XXXX XXXX explaining the situation. On XX/XX/XXXX I mailed a letter to Account Services requesting a courtesy removal of the past due bills from my credit report. At that time, I paid one of the bills on XXXX XXXX 's website, {$420.00} for the statement dated XX/XX/XXXX. I advised I would be paying the other bill once I had the additional {$500.00}. I advised that due the pandemic, my financial situation in current economy required me to finance my home for financial relief. I was unable to do so since the accounts had negatively impacted my credit score. I provided my email address and my correct mailing address for a response. I didn't provide my phone number as the only phone I have is a business phone and I can not receive any calls from a debt collector on my business phone. I did not receive a response. I sent a second letter on XX/XX/XXXX. I repeated my request for a courtesy removal of the collection accounts. I explained in this letter that I had researched how to gather data on the accounts and requested in goodwill, a permanent courtesy removal of the collection accounts. I asked for an itemization of the charges, a copy of my signature authorizing release of my medical info to the collection agency, and to cease any credit bureau reporting. I did receive a response with an itemized copy of the charges, no other documents were provided to me. I mailed a third letter on XX/XX/XXXX. This letter advised that I was able to reconcile the bill with my insurance company. I also stressed my financial need to make significant financial changes and this collection accounts were prohibiting me from doing so. I again asked for a courtesy removal of the accounts and expressed my intent to pay the last I owed on the second bill. My request for the courtesy removal had gone unaddressed. I asked for a response vial mail, and have yet to receive acknowledgment of my requests or any response at all. On XX/XX/XXXX, I wrote directly to XXXX XXXX 's billing address. Restating my needs above. I requested email or mail correspondence. I have not received a response. Today, I submitted a dispute on XXXX 'XXXX website as Other. I indicated in the dispute that the account information was mailed to an invalid address. Although they are able to show a bill was mailed to an invalid address, they are unable to show that I received the bill. I have no control over what the postal service does with mail sent to an invalid address, I can not handle personal collection accounts on my business phone, neither of the companies will respond to my request for a courtesy removal or address my concern that an invalid address was used. As soon as I was aware of the balances due, I made arrangements to pay one in full, and made the arrangements to pay the second bill in full, which I have. Had I received the original statements for amounts due in XXXX, I would have paid both bills in full and/or made arrangements to pay in full. I can't stress enough that the bills were not mailed to an old address or an address I no longer use. The address used was not a valid address.
03/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 79701	Web
To Whom It May Concern Account Services Colls is fraudulently reporting an alleged medical debt without verifying ownership. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Please send me copies of any agreement bearing the signature of the alleged debtor with them agreeing to pay the creditor and since this is a medical account, a copy of any HIPAA authorization. Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. This is in regard to unsecured PHR identifiable health information of an individual in a personal health record and the acquisition of such information without the direct authorization of the individual. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. As you are aware, enforcement of penalties against you is covered under the penalty rules of : interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX. The penalty provision of the ARRA section D, privacy provisions, the penalty rules of HITECH Act as issued XX/XX/XXXX and Omnibus Final Rule effective XX/XX/XXXX and penalty rules of the FCRA and FACTA including the FACT act changes final rules effective XX/XX/XXXX. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of TEXAS medical privacy rules . I also hereby reserve my right to take private civil action against you to recover damages.
09/21/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 78681	Web	Older American
Previously this company threatened and reported this to the credit bureaus and hurt my credit score. However, on contacting CFPB, they since rescinded the complaint from the report. But still my credit score has not gone back up to where it was before. Also, there are banks and credit card companies that have since looked into my credit history. This has additionally hurt my numbers and credit outlook. After CFPB report, then sent me the details of the debt by US mail. This debt as it shows is from XXXX XXXX XXXX. When I left the hospital the agreement was that this amount is written off. However, when I called the people that worked there in XXXX are not there any more. Now they are telling me. that I owe and since it is old they can not help me!!! I have been calling Account Services, the debt collector to come to some understanding. I have left several messages over last few weeks from Mid XXXX onwards and finally left two messages today, XX/XX/XXXX, and got a call back. Told them that I am a retired XXXX year old, with XXXX hurt in an accident. I am unable to work much and I don't receive any benefits. Income I have barely meets my rent etc. I told this to a Ms. XXXX XXXX and asked her how she can help me. Told her that I have saved {$250.00} for XXXX XXXX and there may be another {$100.00} to {$150.00} in savings. As I want to get rid of this XXXX which is causing my intense XXXX and XXXX, I wanted to reach some agreement. But she wants to put me on a payment plan. Told her that my income barely meets my expenses and that this savings of {$350.00} to {$400.00} will also be gone if they can't accept. She said that I will be reported as not interested in paying the debt back. This sounds like threatening to me. They will again hit my credit. Please help me reach some understanding with this company so that I can left in peace to attend to my life and my issues. Thank you very much. Sincerely, XXXX XXXX XXXX
05/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 782XX	Web
After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Account Services Collections. I requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me despite my credit report nor any updates to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
07/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78207	Web
After reviewing my credit profile XX/XX/2021 I identified a discrepancy with accounts listed under XXXX XXXX XXXX. I requested a validation on XX/XX/2021 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has HIPAA authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
03/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78217	Web
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Account Services Collections and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has XXXX authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
04/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78212	Web
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Account Services Collections and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
03/30/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78233	Web
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Account Services Collections and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
09/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75007	Web
I currently have a medical collection debt being reported on my credit report from XXXX XXXX XXXX XXXX dated from XX/XX/2019. Ive tried unsuccessfully to resolve this matter through XXXX XXXX but to avail. I havent been to XXXX XXXX at all for any type of medical treatment. Now Im being penalized for someone representing themselves as XXXX XXXX, receiving medical care. I was told the services provided were a XXXX test. I XXXX XXXX had a total XXXX 5 yrs ago I wouldnt need a XXXX test administered for any reason. Nor, would I have a reason to visit XXXX XXXX. They cant even provide me with identification that was used representing themselves as me ( XXXX XXXX )
08/23/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78109	Web
I sent a validation letter with this collection agency via certified mail asking for a sufficient proof that in fact this debt for {$240.00} is mine. They received the letter on XX/XX/21. Until now they have not put a dispute comment in my credit report even if I have already sent them couple of letter about furnishing a dispute comment in my credit report. I did some research online and it is clearly a violation, also in addition to that they never responded to my letter and keep ignoring me. There is also no original creditor written in the credit report it is incomplete. Please help me with this matter.
09/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78258	Web
I received a copy of my credit report back in XX/XX/2021 and realized that there was a collection account from Account Services on my credit report. I mailed them a certified letter # XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 and have yet to obtain a response from the company. I called their customer service # today and spoke with XXXX XXXX who stated that this bill is still owing ; however, I do not recall obtaining the services. I am requesting again, as stated in my letter dated back in XX/XX/2021, ( that I still have not received a response from ) some sort of documentation that this debt belongs to me.
06/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75028	Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
06/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78415	Web
ACCOUNT SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This company is currently putting medical debt on my credit report that I do not own. None of my personal information was correct. Nor had I ever had any medical bills that went in collection.
07/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web
The account is for a medical bill that is under {$500.00} and should not appear on the credit report. The collection agency has fraudulently increased the debt in an attempt to report it. I have contacted Account Services without success to correct this illegal action.
02/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78006	Web
This is an error on the provider for not properly billing any insurance. I never signed any contract stating I am responsible for any debt and even informed everybody that I would not do any service that would involve an out of pocket expense
12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78227	Web

12/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78212	Web

07/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78660	Web

05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92345	Web

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78258	Web

03/08/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78251	Web

05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27540	Phone

05/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78213	Web

01/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78132	Web

01/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	ID 83440	Referral

11/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78747	Web

10/05/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75241	Web

07/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 78233	Web

07/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78233	Web

06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75154	Web

05/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78109	Web

05/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78265	Web

04/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78218	Web

04/01/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 78801	Web

03/31/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78254	Web

02/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78640	Web

02/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI 48336	Web

01/31/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30144	Web

12/24/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78043	Web

12/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75241	Web

12/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75235	Web

10/22/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78244	Web

10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77666	Web

10/08/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78214	Web

09/16/2020	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MI 48089	Web