| 11/01/2023 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I went to the emergency room of XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX XXXX on XX/XX/XXXX late night due to XXXX pain which I thought might be caused by XXXX. I was given pain relief medicine and my pain lessened. The pain was actually caused by the known XXXX XXXX and I do not have XXXX. After only a few hours in the XXXX XXXX, I was told that I was admitted to ( without my prior consent ) the in-patient hospital bed stay for XXXX to remove the XXXX XXXX. It was not explained to me that it was not considered an emergent situation to make XXXX in XXXX likely. I also overheard that there is not enough XXXX XXXX. Naturally you would wonder why I was the one picked to be moved to the in-patient hospital room. I would definitely decline to be admitted as in-patient hospital stay had people told me it is just observation and there is a lack of physicians which makes XXXX unlikely, because I knew what I need is XXXX, not observation. Without XXXX, the most you can do is to use pain relief medicine. A reasonable person would think the same way and it is well known how expensive in-patient hospital stay is. To my surprise, no matter how many times I asked for XXXX or the date/time of XXXX in XXXX in the hospital room, they did not give me the XXXX or schedule it for me. So I requested leaving the hospital the next day. Had I not requested to leave myself, they would have kept me in the hospital for the remainder of XXXX. The in-patient hospital stay did no benefit to me at all but exacerbated my situation because I was not able to sleep due to lights on, a lot of noise and being interrupted. The hospital stay and observation is just additional suffering to me. Even with observation, XXXX is not possible because they need to be scheduled as I was later told and there is not enough physicians at that time. Had people told me the truth or explain things in good faith, I would have gone home right after being given the pain medicine. To my bigger surprise, a huge amount ( more than {$10000.00} ) was charged for the in-patient hospital stay. Given the situation, people should have let me go home directly without admitting me to the hospital. The service is not deemed necessary and the insurance company denied it for quite a few months. Please see the attached for the explanation from the insurance company. I am guessing the medical records can be worded slightly in a way favorable to the hospital and the decision made. Due to these reasons, I do not have a responsibility to pay for service that I even did not agree to. To make an analogy, patient blood was drawn and was told to test the blood type, but genetic testing was performed instead. Do the patient have to foot the bill for the genetic testing? Obviously not. Before I submitted this complaint, I have called multiple times in the week of XX/XX/XXXX to have this bill be put on hold because it is under investigation by government agencies. But this request was denied. If this bill is sent to collection and if there is any adverse impact to me. I request to be paid for such impact and mental suffering. By calling their patient financial services, I was told that if I do not make the payment, it will be sent to collection and their attorney which is XXXX XXXX XXXX through which they will sue patient and get the payment through their bank account or some other way. This is a scaring practice. I am not responsible for the bill. Whoever made the decision to move me to in-patient hospital stay is responsible to pay for it. Please also note that medical records were created by the provider and I could not change it although I can call that department and explain what happened ( the same as what I said in this complaint ). I did have the XXXX in early XXXX which the hospital reaped a huge revenue already. Charging me both in XXXX and XXXX for the same reason just due to inability to give me a XXXX in XXXX does not make sense. So I request waiving the bill of {$1100.00}. I also called patient relations department multiple times, but XXXX XXXX refused to waive or adjust the bill after my detailed explanation. She claimed she reviewed the records. But records are created by them. Wording can be phrased/modified to their benefit, not mine. My request to put the bill on hold while it is in dispute was also denied.
If the business does not respond, it is considered that the bill was waived and no contact from the group or their representative should be allowed.
The government agency reserve the right to publish this to the public for other people to be aware of shaded practice by this business.
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| 09/20/2016 |
No |
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- Communication tactics
- Threatened to take legal action
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Web |
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This debt collection agency known as Accurate Collection Services or ACS located at XXXX XXXX XXXX, XXXX NJ are harassing me, as well as, my family I live with and who I am partially supported by, since I only receve a small amount of SS XXXX benefits that has created a " genuine '' and severe financial hardship since I ONLY receive exactly $ XXXX monthly or under $ XXXX annually and this has been the case since both my doctor and lawyers had proven to the administrative law judge assigned to my case that I was in fact injured in an accident XXXX and also acquired a XXXX known as XXXX that was confirmed by a XXXX in XXXX. I can only stretch the lousy {$840.00} a month so much before I am broke once again for the month and left with barely enough for the usual necessities to survive along with the help of my wife, the only household income for me my son and my wife which essentially just gives us a roof over my head, yet these relentless low level collection agents still continue to harass me and my family and what 's more for XXXX work my XXXX providers office 's " covering Doctor '' no less ordered WITHOUT disclosing to me the exorbitant cost of the numerous tests he ordered when I ONLY requested he do simple basic XXXX and XXXX but much more than that was done without my consent and to make matters worse the XXXX was NOT sent to XXXX, the XXXX I always use for ALL AND ANY XXXX. As a result of both my long term financial hardship and NOT following my instructions where to send this very complex blood work, I REFUSE and am UNABLE to pay the enormous bill of {$810.00} for what should have been a simple XXXX and SENT to the lab of my choice NOT XXXX XXXX Hospital I specifically and unequivocally stated where I wanted the XXXX to go to which was either XXXX ONLY as they are the labs we were told to be most affordable and IN NETWORK. I had called ACS and spoke to a supervisor XXXX XXXX who told me she would contact the Hospital where the XXXX went and explain the whole situation in hopes of them writing off the alleged debt or simply just paying for the XXXX which I authorized if I could in one or multiple payments. They threatened me that if it was assigned to a law firm, my pay ( I do n't work and am on XXXX ) would be garnished and they my small checking account with a small monthly balance left in it, after the few other bills above were paid, would be levied!! This is ludicrous and insane and despite these threats including a default judgement, a law firm " may '' obtain but not if I have my way. As the old saying goes you ca n't get blood from a stone. I do not own any property nor am I on the deed or mortgage, to boot! So, the FDCPA protects me from preditors like the collection agency and it 's overly zealous owner and staff is simply harassing me despite the above story and facts as well as, thus, violating the FDCPA and I will NOT tolerate it anymore nor am I the least bit intimidated by this one of many collection agencies that cross the line and are making those of us that are sick even sicker. Cease and Desist and if you must take me to court I will tell the Judge the same thing and about my dire situation and errors made by the covering XXXX , XXXX XXXX who I never saw before in my life since I have been going to this practice, therefore he knew very little about me and my conditions and WHY I went there in the first place. Certainly NOT for me and my family to be continually harassed by ACS in this instance.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
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| 11/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company completely disregarded everything I have initially disputed with them via correspondence. According to YOUR DOCUMENTS attached you have written " THIS COMPANY IS A DEBT COLLECTOR '' on the bottom of your letters. You are trying to come off as a legally bind company with ME but you are not.
I am aware that I was violated. As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation.
Your corporation has offensive activities towards me as a consumer, such UNAUTHORIZED use that did not serve me any benefit.
I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 1 5 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated MY privacy and only I deem what is private to me.
15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with accurate collections services not have granted that permission.
As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud.
It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. You DID not follow my requests, you willingly chose what to follow and what not to follow.
I specifically stated Pursuant to 15 USC 1692 c. ( C ) ( 2 ). I am invoking my specified remedy as a consumer, and original creditor I am demanding all the following : 1. Zero out the balance of the ALLEGED debt. 2. deletion from all your files. ZERO OUT MY BALANCE and DELETION of my illegally obtained documents from your files and accounts. I have NOT granted permission for my information to be given out as I do not have dealings with you or your company. You have violated my rights over and over again
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| 03/12/2017 |
No |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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The medical facility already received {$790.00} from my insurance company, based on the improper level of care received, I am not responsible for the {$75.00} co payment, it is fully disputed. Letter below was sent to the President of this facility.
Via E-mail XXXX XXXX XXXX, President/CEO RE : XXXX Triage Date : XXXX, 2016 Medical Record : XXXX Dear Mr. XXXX : I am writing you in regards to my experience at the above captioned facility, the care in which I received was horrendous and has resulted in never patronizing another facility within the XXXX. The only reason why I visited this location was due to the fact that my XXXX at XXXX is affiliated with this hospital. Possibly, the Physicians in which you contract with XXXX should be vetted more appropriately, as ultimately, this has a reflection on your health care system. The care received by Dr. XXXX, was less than ideal, after approximately two hours of care, I was discharged in worse condition than upon my arrival. My cell phone picture of the monitoring machine taken on XXXX, 2016 at XXXX., shows a XXXX of XXXX and upon walking to the parking garage with my companion, I XXXX twice. However, your emergency department assumed that I received stabilizing treatment. In fact, I was a patient at the emergency department of XXXX for the same issues on XXXX, 2016 for a total of fourteen hours vs. the two hours at your facility. Obviously, the medical records between the XXXX facilities will show a vast difference in the level of care received. However, I am most sure, your medical records will be falsified to reflect that I was resting comfortably on the stretcher upon discharge.
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| 02/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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|
Web |
Older American |
|
dear CFPB : This is in regards of a collection agency that keeps calling me and also they wrote me a letter dated, XX/XX/XXXX and my Answer to them was a letter dated, XX/XX/XXXX. on or before the 30 days as per Federal Laws dictate I was in the Hospital on : XX/XX/XXXX, until XX/XX/XXXX. ( 3 dais ) The collection agency is asking me to pay XXXX.. MEDICARE my insurance Company already PAID the Hospital over {$38.00}, over my staying in the hospital and also my 2 times in the Emergency Room. MEDICARE PAID THE HOSPITAL ALREADY. I request as per State and Federal Laws to please to ask the collection Agency NOT to CALL ME any more. Also Not to Threat me any more and not to Harras me any more. Again the Hospital was paid in full bye MEDICARE. My 3 days inside the Hospital and my 2 Times in the Hospital Emergency Room. I request to please to the collection company not to communicate with me at all. If They have any questions or concerns They can get in touch with my Lawyer. Thank you for your anticipated courtesy and cooperation in this important matter. Respectfully yours..
XXXX ...
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| 04/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Older American |
|
Dear Madam/Sir, CFPB : This important matter is in regards to a letter dated XXXX, XXXX XXXX, from a debt collector company. They Want me to pay the amount of : {$40.00}. I asked them on a telephone conversation on : XX/XX/2023 when I spoke with a Lady that refused to give me her name. I Wanted to Dispute the debt because I wanted them to send me the name and address of the original creditor and/or Hospital. However when I Checked my records I told the unknown Lady from the debt collection company that my Insurance company, MEDICARE had paid the amount of the debt and that I did not owe anything to the debt collector and/or the original creditor and/or Hospital. I respectfully request from the debt collector not to, HARRAS ME OR THRETEN ME ANY MORE. And not to call me any more, and NOT TO CONTACT ME NO MORE. If they have any more questions they can contact my LAWYERS. Thank you very much for your assistance in this important matter. Respectfully yours. XXXX.
|
| 01/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX XXXX contacted me by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX telling me that I owe {$1000.00} to XXXX XXXX XXXX. I do not owe this, as I settled the matter with XXXX on XX/XX/XXXX in a mutually agreed settlement. I provided XXXX XXXX XXXX with proof of XXXX XXXX acceptance of the settlement on XX/XX/XXXX in response to their first collection letter and explained to them that no debt exists. They have ignored this and continue to bill me. The only thing they have sent me besides letters demanding payment is an irrelevant copy of a patient agreement with XXXX from before the settlement.
The Fair Debt Collection Practices Act forbids attempting to collect a debt that is not valid. In this case, XXXX XXXX XXXX knows ( or should know ) that there is no valid debt. I have provided proof that there is no valid debt, and they do not dispute my evidence, but they continue to send letters demanding payment, in violation of the Act.
|
| 08/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2021 I made a visit to the XXXX XXXX later on I received a bill for {$1600.00} and around the same time I received an email with the EOB from my insurance which states that they issued a check to the hospital and I was in charged of paying the remaining balance {$290.00}. I kept receiving bills from the hospital for the same amount one day I called and the said they are not in charge of that bill that the bill was sent to collection ( which I never got a noticed from it until a week later after I called ) when I talked to collections we set up monthly payments and they still charged me the full amount. I explained the situation and they were kind of rude and told me to send the paper work through fax which I did and I havent receive any response yet, and I already made some payments.
The agencies involved are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 03/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Accurate Collection Services XXXX XXXX XXXX XXXX Services : XX/XX/XXXX, XXXX XX/XX/2020 Patient : XXXX XXXX Account XXXX XXXX Amount : {$2800.00} The hospital has accepted our monthly payment {$50.00} for 4 months and now I get a Threatening letter from their Collection Agency above .
I have no assets or extra money, I am unemployed plus the pandemic, First they agreed and now they are in a rush, I have a number of Creditors after me for the same visit to the hospital & same date, as all that enter the room to say hello now is sending a bill for over {$1000.00} I am struggling not to get evicted and these people hit you at your weakest time & place of despair.
|
| 10/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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|
Web |
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The hospital is trying to collect a debt, the insurance company paid the hospital bill.
On the Explanation of Benefits states.
" PAYMENT FOR THIS SERVICE MAY HAVE BEEN REDUCED. THE SERVICE WAS DONE BY A NETWORK PROVIDER. THIS MEANS THE PROVIDER HAS AGREED TO ACCEPT THE CONTRACTED AMOUNT, LESS ANY PRICING CHANGES DUE TO MODIFIER ( S ) THAT MAY HAVE BEEN SUBMITTED ON THE CLAIM, AS PAYMENT IN FULL '' The hospital is an in-network provider and should not be charging me any amount
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| 01/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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|
I have recieved a notice from XXXX XXXX XXXX for a debt that is not mine. I have no knowledge of debt nor have I ever done business with XXXX XXXX XXXX. I have no contract with XXXX XXXX XXXX.
I have sent notice to the original creditor on XX/XX/17 and have not recieved a response.
XXXX XXXX XXXX has been given access to my private medical records which is a Hippa Violation
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| 11/29/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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I am attempting to pay off the last payment of a payment arrangement on my daughter 's medical bill, and the debt collector insists on receiving my date of birth before processing the payment. They then called my cell on the weekend outside of regular business hours. I refuse to give them my identity information and should not be receiving calls on weekends.
|
| 12/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XXXX XXXX keep calling both my home phone and cell phone.
I have no outstanding debts with anyone.
I feel they are harrassing me and they keep leaving messages that it's " in my best interest to call them. ''
|
| 04/21/2015 |
No |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
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Accurate Debt Collectors stated my social security number to me and asked for my medical insurance membership number.
|
| 01/17/2024 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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|
| 08/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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|
| 05/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
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Web |
|
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|
| 02/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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|
| 12/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 11/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 11/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
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Postal mail |
|
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|
| 11/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 11/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 11/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 10/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 09/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 09/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
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|
| 07/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
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|
| 05/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
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|
| 03/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Referral |
|
|
|
| 11/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 11/03/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 09/20/2017 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 12/28/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
Older American |
|
|
| 08/04/2015 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
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Referral |
|
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