AMCOL Systems, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/11/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29229	Web
Amcol Systems d id not send me a letter to ask for validation or verification of the debt that is on my credit report. I requested validation and verification of this amount to its entirety as written to them via mail XXXX / XXXX / XXXX . No response received at all WHAT WAS SENT AND WHAT I NEED A RESPONSE FROM : Re : Acct # { XXXX } To Whom It May Concern : Ive received a copy of my credit report and you are claiming I have an account with you or I owe you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also, because you are a 3rd party collector, you have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. You didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports. Heres the law in case you never read it before. ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; Now, I am also exercising my right under the FDCPA to dispute the alleged account and demand validation from you. Ill break it down very easy for you. But know this, should you fail to provide every single thing I request form you, and dont worry, the list will be short, sweet and to the point, you will be required to cease all collection activity immediately. Notify me in writing that you indeed are ceasing and deleting all information you have furnished to any and every one of my credit reports from every single credit repository to which youve submitted this unverified and un-validated information. This is request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, specifically naming, Amcol Systems, as an entity entitled to enforce a commercial claim You do not conduct commerce ) against me. *Certified shall be done through the presence of a notary public, who authenticates and duly swears the copy made is in fact a copy of the original paper contract in question ( meaning the original contract from the original creditor would need be provide to the notary, and the notary would need to make the copy themselves ). You will also need to provide the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. Your failure to respond and provide strict proof of contracts and all the items noted above, presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary, will constitute your tactic agreement that you are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the Better Business Bureau 3. File a complaint with the Consumer Financial Protection Bureau 4. File a complaint with the Federal Trade Commission 5. File a Police Report against your company for harassment, invasion or privacy and attempting to extort money. 6. File a Law Suit against you for harassment, fraud, extortion, and invasion or privacy. You have 15 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to t he America Bar Association and Professional Liability Fund for code of ethics violations. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. IN ADDITION - Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any pap ers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX XXXX XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist WHICH MEANS THAT REPORTING IT TO THE CREDIT BUREAUS ALONG WITH VERIFYING IT WITH THE CREDIT BUREAUS IS STILL COLLECTION ACTIVITY. I KNOW THE LAW AND MY RIGHTS. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. PLEASE KEEP IN MIND THAT I NEED THAT PROOF ON CONTRACT INFORMATION WITHIN 15 DAYS. YOU HAVE AN ADDITIONAL 15 DAYS TO SEND ME THE REMAINDER OF INFORMATION REQUIRED BY LAW. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
04/12/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 761XX	Web
Due to XXXX and serious reduction in hours, I am trying to apply for jobs that require a credit report and this noncollectable debt is destroying my chances. I lost XXXX family to XXXX with another XXXX infected with it. This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. The state of Texas statute of limitations is only 4 years from the date of the last payment. This alleged debt continues to appear on my credit report as a violation of the statute of limitations. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provides me with : The name and address of the original creditor. The original date of default or non-payment of the debt with the original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). I did not sign any agreement and/or contract with this company regarding any alleged debt. And this company should provide a valid recorded copy of an assignment of transfer to be able to attempt to collect on noncollectable debt after the statute of Limitations. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note Transunion, Experian, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). This company is also attempting to collect on alleged debt that has exceeded the statute of limitations in the state of Texas. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a letter stating you will remove this from my credit report with all 3 bureaus. I demand the following accounts be properly verified or removed immediately as these alleged debts continue to be resold by the last payment date should remain the same by Texas Finance Code 392 and the FCRA regulations. There is no an assignment of transfer of this debt or authorization to provide this company with any of my medical records that comply with the regulations in the state of Texas. Name of Account : Account Number : Provide Physical Proof of Verification Amcol Systems Inc / Unknown Account / Number unverified account ( {$630.00} ) Amcol Systems Inc / Unknown Account / Number unverified account ( {$1200.00} ) This company does not have my permission to call me on any cell phone I may have possessed, currently possess or will possess in the future. They need to cease and desist their threats to sue requesting that I submit a written plaintiff statement in my defense and schedule a time and location for delivery of whatever, which is a violation of collection practices to threaten to sue someone or delivery lawsuit/judgement items to their place of employment. I am seeking an attorney to discuss a class action lawsuit as I believe this is their practice and they are violating several laws includes Texas Finance Code 392.202 ( b ) ( 2 ), FCRA, FDCPA, Texas Debt Collection Act and TCPA 47 U.S. Code 227. These calls are harassment and have been going on for months, which is a violation of FDCPA. A complaint has also been filed with the Texas Attorney Generals office. I will also be filing a lawsuit in the state of Texas due to the violation of the TCPA and FDCPA. Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
05/06/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77354	Web
In XXXX, I became very XXXX, and a colleague took me to a stand alone emergency room where I was seen by a XXXX who diagnosed XXXX XXXX. I had XXXX XXXX, and felt like I had the XXXX. Having just relocated to the area, I had a new insurance plan, and did not know where I could go for care. I did not know either that there were health services providers that fell under Emergency Room and others under Urgent Care. I provided all my information, address, insurance, and asked the clerk to verify that they were on my plan. I was so sick that week. In XX/XX/XXXX, I had a major car accident, through no fault of mine. I also had medical issues and was paying all the medical bills. In XXXX or XX/XX/XXXX, I received a bill from the emergency room and was paying {$10.00} to {$20.00} per month. Then, I received a notification that my account had been turned in to AMCOL. I called AMCOL and explained that I did not have a bill from XXXX XXXX XXXX until XXXX, that I was making payments, that I had a lot of other medical bills that I was paying on due to the car accident.. I requested a copy of the bill, and asked AMCOL to reverse the account to XXXX XXXX XXXX. I have friends who are doctors, and they told me that the service provider can always recall a bill from a collection agency, especially because an unpaid bill can be a tax write-off. The AMCOL employe that talked to me told me that it was not possible ; that they were not sending accounts back to the provider, and that if I did not pay, that was going to impact my credit report negatively. I asked her if it was a threat, she repeated the part about a negative impact on my credit report. Information on my credit report for that specific bill was modified several times because I questioned why the coding on my report was changed from " paid '' to " no data '' to " derogatory '', because I kept calling and asking questions. Also why was that information only reported to one of the credit bureaus, and not the others, and when I asked, the other credit bureaus adjusted their report to match the first one that posted the report, without even verifying any information. I offered to pay a little every month, since I had so many other medical bills. She agreed. I asked her about my credit report, and she told me that as long as I paid the bill, my credit report would be ok ; she would remove any notice about a collection.. When I had enough money to pay the bill off, in XX/XX/XXXX, I did. In XXXX, I was considering buying a home, and was looking to be pre-approved. I went to my bank, and was told that my credit was something like 620. I was surprised because the last time I had needed my credit score, it was above 750. I requested a copy of my credit report and notice the derogatory negative report from AMCOL. I called AMCOL and was told, that because it was in collection, it stayed on my report. I reminded the person that I was told that once the bill was paid, that would not impact my credit report or my score. The response from the clerk was that it was her decision and that it stayed on my report. I contacted the emergency room, and they referred me to the emergency room holding company. I made contact, then drove to their corporate office to be able to speak with someone. I spoke with the Patient Relations Manager who was very surprised by the derogatory report since the bill had been paid in full. She researched billing and emailed me the receipts with the AUD # for each. She also checked with AMCOL who told her that once the AUD # is obtained, it is up to the credit bureau to remove it. I called the credit bureau ( XXXX ) and asked them to update my credit report based on the information provided by the Patient relations Manager, they responded that they were not allowed to take any information over the phone, and also that they had received a call from Amcol stating that they were maintaining the derogatory report.So XXXX maintained the information, and that information was shared with the other credit bureau, even though the bill was paid. I contacted the Patient Relations Manager, she was very surprised by this, and advised me to file a dispute with XXXX I did file a dispute and XXXX denied it because they were taking the recommendation of AMCOL. How can a credit bureau purport to present an accurate picture of a person 's credit worthiness, and lean towards the business versus the consumer/customer? I went through divorce proceedings that lasted more than 10 years, and cost me more than a {$100000.00}, I have had XXXX cars accidents, and for none of them am I at fault, and of course, the other motorists either had the least insurance or none at all, and I am paying the bills, I have had to fly overseas several times to attend a funeral in my close family. I have XXXX children, and my ex-husband was not working, so all the medical insurance, all the clothes, school supplies, ... were on me. My car was totaled, I had to buy a new one. I had to relocate for my job 3 times, at my own costs. The last car accident triggered major health issues that required major XXXX. right now, I am paying on close to 45 medical bills. Considering what I have gone through, and what I have and am sttill dealing with, I have an amazing credit history! Yet, that is not being considered. That medical bill was paid! There should not be any impact on a credit report because of a medical bill. That cost me 100 points! For one bill that was paid! Why file a complaint now? Because the derogatory notice is still impacting my credit score, and causing negative consequences to my ability to obtain a good interest rate and be pre-approved by a lender for a mortgage to buy a house. Look at my credit report : 15 years ago, my score was above 850. And then, there was life, ..and that derogatory report dropped my score by a 100 points.
04/07/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 78006	Web
I visited XXXX XXXX XXXX XXXX for an emergency situation. Upon completion of the visit, I never received a bill from them so I assumed my insurance company had paid the bill. 9 months later I started receiving collection calls from XXXX XXXX XXXX telling me I owed a debt and it had subsequently been turned into collections and they were attempting to collect the debt. Since I had never received notice of the debt, I promptly disputd the debt, both in writing and verbally. They refused to cooperate with me, so I called the original creditor XXXX XXXX to seek resolution with them. Upon multiple contacts with them, they admitted that they had the wrong address and contact telephone number for me. They also refused to assist me despite be offering to pay the debt in full to resolve the issue. They claimed they could not " pull back '' the account from Amcol and I would have to work with them. I thereby contacted Amcol, and requested an itemized statement advising me of the changes. After one month I still had not received the information and they promised to provide me with the information within that week. When I finally received the information ( after 2 requests and 3 weeks waiting ) I immediately called then and had an in depth discussion with them and during that conversation they promised to remove the negative reporting if I paid the debt in full that day by using a credit or debit card. In order to remove the negative reporting I immediately paid the debt in full using my credit card. However 30 days later I received notification from the credit bureau that the account had been tuned over to collection despite what was represented to me. I called Amcol to discuss this and they informed me there was NOTHING they were willing/going to do. I filed 2 disputes with the credit bureau and have received no relief. They refuse to update the status as anything other that " paid '' .This has been a clear violation of FDCPA and UDAPP as they failed to notify me of the debt and provide me with proof of the debt in a timely fashion, while continuing to call me daily at home and work even though I asked them not to. I made commitments to cure the issue and make a 100 % full payment based on their promise, however it appears they had no intention of removing the negative information. I fell mislead and lied to. they took advantage of my desperation and knew my huge concern about having negative information of my credit report. They have damaged my credit as well as caused me emotional distress with the worry of how this is going to impact my future credit goals. had I been made aware of the debt I would have paid it. I have established a good credit history and would not ruin that success on a {$640.00} medical debt. I seek the negative to be reporting to be removed as originally promised so that I can move forward and retain my positive credit history again. It is causing me major life obstacles as I am needing to relocate for my job and purchase a home for myself and my XXXX XXXX XXXX children. Their tactics were unscrupulous. They continued to call me daily despite the fact that debt had been disputed which denies me of my dispute rights until I was able to review and verify the debt. I also think it was a egregious that they would use a bait and switch tactic in order to get me to pay the debt in full. ( offering to remove the negative reporting if I promised to pay on the spot ) What is even more disturbing is that they refuse to listen to my complaints and refuse to remove the negative reporting. The negative reporting should be removed and the account should be closed or deleted. As I stated above I would have paid the bill had I known about the debt. I would NEVER ignore and thereby allow something to go to collections when it would damage my credit report. XXXX XXXX had the option to pull back the account to avoid collection and secondly, AMCOL had the option to uphold what was conveyed to me and not blatantly take my money with no intention of correcting the negative reporting as promised. They feel they have upheld all FCRA requirements and that is false. at the time they reported the past due debt we were unsure if I was even the true owner of the debt. I had not even seen the itemized statement from Amcol ( they said " one got lost in the mail '' and the other one took upwards to a week to receive it. This has caused me great harm and I seek to be made whole by them removing the debt that was reported late. the debt did not become late as when I sought out the alleged debt I was not financially responsible for it until I was able to verify the debt.Once I verified the debt as mine I immediately called them to discuss payment options and what could be done about the negative reporting which was grossly premature.it was at that time that I took the offer of them removing the negative reporting in exchange for payment in full. I did my part and implore that they do the same
11/03/2023	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OK 741XX	Web
I received a letter dated XX/XX/2023 from AMCOL , Inc. purporting to collect a debt on behalf of XXXX XXXX XXXX XXXX ( " XXXX '' ). AMCOL 's reference number is XXXX, and XXXXXXXX XXXX account number is XXXX. XXXX is not entitled to the amount in dispute by virtue of the federal No Surprises Act ; and therefore, AMCOLs attempts to collect this amount are impermissible, thereby violating violate the Fair Debt Collections Practices Act ( FDCPA ). I visited the emergency room at XXXX on XX/XX/2023. XXXX billed my insurance XXXX, XXXX, for the visit, and was paid a substantial amount. XXXX has unlawfully attempted to bill me for the balance of an emergency room bill in excess of XXXX responsibility. XXXX has called me numerous times and sent me numerous bills, attempting to collect various amounts, most of which were higher than the {$1600.00} claimed in AMCOLs recent letter. I have already commenced a dispute with XXXX through the No Surprises Help Desk, complaint number XXXX, yet XXXX wrongfully and unlawfully sent this account to collections despite its actual knowledge that the dispute resolution process has been commenced. XXXX is prohibited from collecting this bill which is a balance bill for emergency services, and therefore, a surprise medical bill pursuant to the No Surprises Act. More specifically, the No Surprises Act states that : In the case of a participant, beneficiary, or enrollee with benefits under a group health plan or group or individual health insurance coveragewho is furnishedemergency services ( for which benefits are provided under the plan or coverage ) with respect to an emergency medical condition with respect to a visit at an emergency department of a hospital or an independent freestanding emergency department in the case that the hospital is a nonparticipating emergency facility, the emergency department of a hospital shall not bill, and shall not hold liable, the participant, beneficiary, or enrollee for such emergency services so furnished that is more than the cost-sharing requirement for such servicesand in the case that such services are furnished by a nonparticipating provider, the health care provider shall not bill and shall not hold liable, such participant, beneficiary, or enrollee for a payment amount for an emergency medical condition and visit for which the individual receives emergency services at the hospitalthat is more than the cost-sharing requirement for such services furnished by the provider See 42 U.S.C. 300gg-131 ( a ) ( in pertinent part ) ( emphasis supplied ) ; See also 42 U.S.C. 300gg-111, et seq. I am a participant, beneficiary, and enrollee of a health insurance plan furnished by XXXX, which provides coverage for emergency services at both participating and nonparticipating facilities. I received emergency services for an emergency condition from XXXX, who is a nonparticipating provider under XXXX plan. XXXX billed XXXX, and was paid the amounts owed pursuant to the applicable cost-sharing services. Now, despite the broad and unequivocal prohibitions of the No Surprises Act, XXXX is billing me and attempting to hold me liable for a payment in excess of the amounts XXXX owed it as a nonparticipating provider of emergency services. XXXX, by trying to charge and collect a surprise medical bill from me, is brazenly violating the law, and AMCOL is aiding and abetting those violations. The FDCPA prohibits the use of false, deceptive, or misleading representations in the collection of any debt, including false representations of the legal status of any debt. AMCOL, by attempting to collect an amount that is expressly prohibited by federal law, is violating the FDCPA. In fact, this very scenario is such an obvious violation of both the No Surprises Act and FDCPA that it is the example given in an article on the CFPB website on the subject : For example, if you have insurance, a debt collector who claims you owe a debt arising from charges at out-of-network rates for emergency services could violate the FDCPA if those charges exceed the amount permitted by the NSA. Courts also have ruled that collecting an amount that exceeds what is owed would violate the FDCPA prohibition on unfair or unconscionable debt collection practices. See What Should I Know About Debt Collection and Credit Reporting if My Medical Bill was Sent to Collections? https : //www.consumerfinance.gov/ask-cfpb/what-should-i-know-about-debt-collection-and-credit-reporting-if-my-medical-bill-was-sent-to-collections-en-2122/ There is no question that XXXX and AMCOL are violating the No Surprises Act and the FDCPA by trying to unlawfully collect an amount prohibited by federal law. It is indisputable, and neither entity could ever hope to get a judgment to collect this amount.
05/26/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76063	Web
To who m it may concern : I would like to make a complaint against a collection agency by the name of AMCOL Systems. AMCOL Systems has placed collection accounts onto my cre dit files that should have never gone to collections. Last year due to illness on several occasions I visited an urgent care/ stand-alone ER facility named XXXX XXXX XXXX Immediately when you enter the facility you are asked to fill out their forms telling them the reason for your visit, as well as they ask you for your insurance information, as well as they physically take your insurance cards, and drivers license, and they make photo copies of them. On every visit they have taken both of my insurance cards and copied them, but there has always been an issue where they will bill my primary insurance, but they dont bill my secondary. Then they start harassing me with bills for months, I have called them on many occasions reminding them to bill my secondary, yet they still fail to do so, then they start harassing me with bills. And on subsequent occasions when I have gone back to their facility, I have told the check-in staff that the medical billing office is not billing my secondary insurance. And I have been told that they would be contacted regarding this matter, as well as they will put a note on my chart. Well after some great amount of time of them failing to do their due diligence, and not billing both insurances, they finally sent the XXXX EOBs to my secondary, and my insurance has paid every bill that I have owed to that facility. But mind you, instead of from the beginning after any dates of my visiting their facility, and them billing both insurances and getting paid, and clearing my accounts, they decided to fraudulently put my medical bills into collections with t his AMCOL Systems, knowing full well that they had all of the information needed since last year to get any bills that they felt that I owed, FULLY PAID, and cleared. My secondary insurance will verify the facts that I have told you, they will tell you that they did note receive the requests for payments of my medical bills from XXXX XXXX XXXX XXXX , until recently, XXXX XXXX XXXX XXXX . These bills could have been paid since last year, if both insurances were given claims for request for payment, but they did not. And then now instead of XXXX XXXX XXXX and AMCOL Systems taking responsibility that AMCOL should not have been involved in the first place, none of my debt should have been in collections, and even after being paid, AMCOL still has these debts on my credit files as open collections. And AMCOL is aware that they debts are fully paid, I had contacted the Better Business Bureau, and I had sent them proof of payment. And AMCOL is no w stating that they are going to place fraudulent information onto my credit files, calling these medical bills as PAID COLLECTIONS. A MCOL Systems is doing something that is illegal by law, none of these medical bills should have gone to collections to begin with, and AMCOL knows this that is why they are trying to cover what they did, by calling all of these debts PAID COLLECTIONS. I want AMCOL SYSTEMS to remove all of the collection accounts that they have placed onto my credit files, because they should have never been on my credit files to begin with. As well as I want them to remove the fraudulent PAID COLLECTIONS statements from my credit files immediately, because it is not my fault that the medical facility took forever in billing my secondary insurance. I want hard copy proof on AMCOLs letterhead that this has been done, and I want them to remove any fraudulent medical bills that they still have in their system on me removed, and hard copy proof provided about this as well. I have requested several times fo r AMCO Systems to provide me in writing with their license numbers and Registered Agent documentation, and proof that they are licensed to collect in my state, and they have not provided me with the requested information. I am seeking your assistance in having this company to provide me with all of the hard copy proof that I have requested. Thank You,
07/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92649	Web
I have two negative collection reports showing in my credit report. Both are from the same visit to an emergency facility ( XXXX XXXX ) on XXXX but were billed from two separate companies. 1. XXXX XXXX XXXX XXXX charges, Account XXXX, client reference XXXX and 2. XXXX XXXX XXXX XXXX, Account XXXX, client reference XXXX This visit was covered by my copay, deductible payment and insurance payment to the facility and to the doctor. The overage charges were originally disputed with the company XXXX XXXX XXXX and we went through numerous calls to get this sorted out. The first call was on XXXX at XXXX XXXX mountain time where I was advised they would resubmit the charges to my insurance to get the proper insurance adjustments to the charges based on the in-network negotiated rates. No changes were made and I received a bill the following month with no changes which led to ... The next call was on XXXX at XXXX XXXX mountain time where XXXX stated that the insurance information had been received and the account adjustments were made. But I still got a bill the next month which led to.. The last call was to XXXX on XX/XX/XXXX at XXXX XXXX mountain time and was with XXXX. XXXX stated that the Explanation of Benefit for claim XXXX was received. In that EOB a check was issued to me for the payment of the charges approved in the amount of {$500.00} on check # XXXX and that amount was remitted to XXXX XXXXXXXX XXXX on XXXX in transaction ID : XXXX. Explanataion of Benefit for claim XXXX issued me a check in the amount of {$100.00} on check # XXXX and that amount was paid to XXXX online on XXXX in transaction XXXXXXXXXXXXXX. Those two transactions resolved the insurance claim and payment for services provided. XXXX stated on the call on XX/XX/XXXX referenced above, that the EOB information was received and the account was updated but that the charges had already been sent to collection agency. She stated that XXXX XXXX XXXX sent the notice to AMCOL on XXXX and that since this was a process that had been resolved through the insurance agreement no other payments were necessary and the accounts should be closed and resolved. That was followed by a call to AMCOL on XXXX where I was redirected to call XXXX where I spoke with XXXX on XX/XX/XXXX at XXXXXXXX XXXX mountain time to let him know that the collections were in dispute based on my earlier call with XXXX XXXX XXXX who assured me that they would let AMCOL know that the issue had been resolved. It was only after all of this that I discovered that the original medical company that did my billing was involved in a class action lawsuit about exactly these issues of fraudulent billing. That case is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), Texas Eastern District Court . The last updates to that case is on XX/XX/XXXX that there is a current stay in all claims pending further order of the court and that the original company has filed for bankruptcy protection : Thursday, XX/XX/XXXX Order Staying Case Thu XX/XX/XXXX XXXX XXXX ORDER : It is hereby ORDERED that all claims asserted in the above-styled lawsuit are hereby STAYED pending further Order of the Court. It is further ORDERED that this case be ADMINISTRATIVELY CLOSED during the pendency of the bankruptcy case. Signed by Judge XXXX XXXX XXXX, XXXX on XX/XX/XXXX. ( mem ) In the meantime, the collections against me have not been removed or placed into a temporary hold until this is all resolved so the negative collection records continue to impact my ability to qualify for rental applications or other loans and is impacting my financial ability to make decisions I need to make. I am currently at risk of losing housing because of these negative records on my credit history. The companies involved are XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX AMCOL XXXX I am more than happy to provide further documentation at your request. Kind regards, XXXX XXXX
04/25/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27616	Web
XXXX hospital assigned 3 collections accounts to Amcol Systems. I contacted Amcol Systems via telephone requesting VALIDATION of the 3 accounts, not Verification but VALIDATION on XX/XX/2018. The gentleman I spoke with was extremely rude and neglected to allow any payment arrangement to be made on the account. I was advised by the gentleman to contact XXXX business department to discuss alternative payment options. I advised the gentleman I would like to dispute the account in the amount of XXXX at which I was advise to contact XXXX Billing department. I contacted XXXX on XXXX XXXX at which time I made two payments one in the amount of XXXX and another in the amount of XXXX. Once the payment was completed I was given details about Financial Assistance if needed for the remaining balance of XXXX. On XXXX XXXX the two paid accounts in the amount of XXXX and XXXX appeared in collections on all three credit reports although the payments reported were paid in XX/XX/2018. I contacted Amcol Systems to advise of the this error and was directed back to XXXX Billing department. After speaking with XXXX on XXXX XXXX which again another rude representative that fail to acknowledge the error and was very argumentative. After discussing the issues multiple times and expressing how the negative reporting affected my credit score by decreasing 42pts I asked to speak with a team lead or Manager. I was then placed on hold for an extended amount of time while XXXX located a team lead. I was told the current team lead was delayed on a call, I agreed to continue to hold. Once XXXX returned back to the call I was advised by XXXX per her team lead " she would contact the correct department to request the payments be removed from the XXXX balance and applied to the correct accounts ''. I was also advised this request would take 7-10 business days. I expressed the urgency of having this issue addressed immediately due to being in the process of purchasing my first home. I was advised to contact Amcol Systems again to confirm the dates Amcol reported my two paid accounts and if the dates were past the date the initial payment was made the team lead would move forward with addressing this matter. Again I contacted Amcol Systems, this time I spoke with XXXX. I shared my concerns and XXXX confirmed Amcol Systems reported the XXXX paid collection accounts on XXXX XXXX. ( XXXX Wks after the two accounts was satisfied ) XXXX explained the payments were reported by XXXX and applied to the accounts as advised by XXXX. XXXX advised me to contact XXXX to have the payments modified to reflect the correct details and once the changes has been confirmed she would have the ability to update my credit file accordingly. I contacted XXXX again, this time speaking with XXXX in the billing department after reviewing my account he confirmed the request to transfer the payments to the correct accounts has been submitted and if approved the account would be updated. Amcol Systems failed to validate the above debt for XXXX Amcol Systems DID NOT provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the account be verified.
07/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	ME 042XX	Web
I have a large medical bill. I have been paying monthly payments that are automatically deducted out of my checking account. Last year or so I received a letter in the mail saying that I was in collections and I was going to have a negative impact on my credit score because I was delinquent in paying my medical bill. When I spoke with the person he was very rude, nasty and said that I was in collections because I did not pay. I explained that this was wrong because I have a monthly payment plan and the money is taken out of my account automatically. He told me that I had to pay almost {$900.00} otherwise it would show up on my credit score. I paid it even though I did not have the money, that was the whole reason for having a monthly payment plan. I still owed money after that I continued to have monthly payments automatically taken out of my account. XX/XX/XXXX I paid off the balance with my new XXXX card that i have with me new employer. XX/XX/XXXX I paid {$920.00} with my XXXX card. but then I was notified by the XXXX that I could not do that because XXXX was only to be used for new accounts/bill from XXXX. I called Amcol and explained this to them and asked them to refund the payment. I was told that the payment had not gone through yet because it was still pending so I was all set. Amcol was taking monthly payments from my account. I called Amcol again in XX/XX/XXXX and they said that the {$920.00} payment did not go through and that they were taking money automatically out of my account. In XXXX I tried to use my XXXX card for a bill and it was declined. I was told that it is declined because of the {$920.00} payment to Amcol. I called Amcol numerous times and all I could do was leave a message, I left messages with my info and contact info. I never heard back. There were 2, 3 way phone calls made to Amcol by my XXXX with me, anthem and Amcol to fix this situation the calls were in late XXXX and in XXXX. We were told that they would be refunding me the {$920.00}. So, they have not refunded the {$920.00} and they are still taking monthly payments out of my account. They are taking monthly payments out of my account even though this debt was paid off at this point since they did get the money from my XXXX that they supposedly never submitted. Also, I explained to them that they have not send me a statement since XX/XX/XXXX and they tell me that they don't send statements for long term payment plans. They have been paid in full and they are taking monthly payments out of my account. No statements showing what I have paid or what I owe. I called them last week to get a status and they told me a check was sent XX/XX/XXXX. I just received a check and it was for {$80.00}. They are in a sense, stealing my money at this point. I have filed a complaint with XXXX and I am going to contact my state representatives and delegates and will have to get a lawyer. All of this is unacceptable. I am hoping someone will help me with this issue.
11/28/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 655XX	Web
XXXX XXXX XXXX Hospital XXXX MO bill for services on XX/XX/XXXX and XX/XX/XXXX was sent for collection to AMCOL Systems on XX/XX/XXXX. XXXX XXXX XXXX. XXXX SC XXXX ( XXXX ) XXXX FAX ( XXXX ) XXXX AMCOL collected a monthly fee of {$4.00} with the {$20.00} payment in violation of XX/XX/XXXX Missouri Revised Statutes Title XXVI Trade and Commerce Chapter 408 Legal Tender and Interest Section 408.096. Loan arrangement, excess fee prohibited for certain transactions -- penalty. Complete debt information was not provided in the original letter. " Universal Citation : MO Rev Stat 408.096. Loan arrangement, excess fee prohibited for certain transactions -- penalty. 408.096. No person, firm or corporation shall receive or impose any fee or charge, other than one expressly provided for by statute, for arranging credit in the amount of XXXX XXXX dollars or less the proceeds of which are intended to be used by the borrower primarily for personal, family or household purposes. Any contract evidencing such excess fee or charge and any note evidencing credit so arranged is void. Any person, firm or corporation who receives or imposes a fee or charge prohibited by this section is guilty of a class B misdemeanor. ( L. 1979 S.B. 305 ) Annotation Copyright Missouri Joint Committee on Legislative Research '' XXXX XXXX XXXX This statute affects the Missouri Fair Debt Collection Practices Act. Representatives XXXX XXXX and XXXX, Supervisor XXXX, and Cheif Financial Officer XXXX XXXX refused to send documentation of amount owed and the amount paid. Returned call on XX/XX/XXXX XXXX read a letter from XXXX XXXX claimed that they are a payment collection service, not a debt collector. XXXX refused to send physical copy of XXXX XXXX 's statement, physical copy of amount owned and list of all of my payments. Said the fee was for debit and credit card collection and mailed in payments were free. Would not send a physical copy of the terms of collection. From XXXX XXXX XXXX " Validating the Debt Within five days after contacting a debtor about paying a debt, the collector must send a written notice that includes : the name of the creditor and the amount of debt ; that the debt will be assumed to be valid unless disputed within 30 days. If disputed, the collector will verify it and send a copy of the verification or of a judgment against the consumer. During a period when a debt is being verified, the collector may not attempt to obtain payment. Unfair Practices : Debt collectors may not engage in unfair practices such as : collecting any amount greater than your debt, unless allowed by law ; making you accept collect calls or pay for telegrams ; depositing a post-dated check prematurely. '' Source : Missouri Division of Finance Consumer Credit Division XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Senior Counsel/Consumer Credit
04/27/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
This company does not have a surety bond in the state of Texas to collect this debt. Therefore, they are in violation of this state 's law, which is Sec 392.101 of the Texas Finance Code. I filed a formal complaint with the TX AG 's office. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
04/27/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
This company does not have a surety bond in the state of Texas to collect this debt. Therefore, they are in violation of this state 's law, which is Sec 392.101 of the Texas Finance Code. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
03/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27577	Web
I had a medical bill, Amcol called me and asked if I would be interested in setting up a payment plan, I told them yes, and the agreement was, XXXX a month to be drafted out of my bank account for 36 months. The first payment was drafted on XX/XX/XXXX it was an over the phone payment to get started. Each month there after Amcol drafted XXXX a month from my bank account. In XX/XX/XXXX, I received a notice from my bank saying we have been made aware your card number have been exposed in a data breach at a merchant location, etc ( I have the letter ) we are sending you a new card. I received a new card, and on XX/XX/XXXX I activated my new card. On XX/XX/XXXX I got a call from Amcol from a lady name XXXX, I tried to explain to her what happen and it was not a problem I just got a new visa/debit card and I will give Amcol the information so they could debit my account, I told her I would call them later that day because I was on the road driving to an appt. on XX/XX/XXXX, I called Amcol and I did not want to speak with XXXX again because she was rude, I spoke with a lady name XXXX, I gave XXXX my new debit card information and she said she was going to process the payment, on XX/XX/XXXX Amcol put the debt on my credit report. The last payment Amcol debit from my account was on XX/XX/XXXX. From the beginning of the agreement XX/XX/XXXX until now I have not missed a payment or been late. Amcol miss used there authority, Amcol normally draft my account on the 6,7 or 8th of each month, Amcol had my new debit card information on XX/XX/XXXX. Amcol had no reason to put this debt on my credit report when I was paying the bill in agreement with the arrangement we had made. I was not late when I gave Amcol my new debit card information. I would like to keep making my payments and I will give it my all to pay the debt off sooner so I don't have to deal with Amcol any more, and I would like for them to take that debt off my credit report, because its a lie to say the debt was not being paid or late. I have my bank statement of every payment I have made, ( XX/XX/XXXX ) This should be against the law for a debt collector to put any thing on any ones credit report when they are paying the bill. What I don't understand is why is Amcol willing to hurt the creditor they are working for to collect payments for them? I should not have to plead my case, when I am so willing to get my bill paid and keep my credit good. I am praying someone can help me. I have worked really hard to keep my bills in good standing. Hope to hear from someone soon. I have my bank statements and letter from bank, let me know if you need them.
08/23/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76039	Web
I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint PortaXXXX : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note Transunion, Experian, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
08/23/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per XXXXexas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
07/06/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IN 46038	Web
I contact Amcol Systems on XX/XX/2023. Approximately XXXX months prior I asked for an itemized statement from this company and received it in XX/XX/2023. Was prepared to pay the debt went to their website where it indicated, I need to add a reference number. There was no reference number anywhere on the bill. When I spoke with a representative there, they said that I should've known that a reference number is actually what they indicated a locator number. I asked them to run the payment they told me there would be a fee of {$4.00} and I asked them because of their unclear website, if they would waive the fee and absolutely refuse when I asked to speak with a supervisor, she repeatedly told me that nobody would ever waive this fee. I feel I had to demand to speak with a supervisor which I should be able to ask for mine and be transferred over. I got to a supervisor whose name was XXXX she said she was the operations manager I explained everything above she still will not waive the fee I asked her what kind of settlement she could offer me which was approximately {$360.00} less than the bill. I accepted that settlement and I paid with my debit card and also pay the {$4.00} fee. I requested a letter or statement that says that my account is now closed with them. She absolutely refuse to provide that for me I didn't understand why. I asked for her supervisors name she said I couldn't talk to them. I said I didn't wan na talk to them. I just wanted a name. She refused to give me that she said she would send me a receipt on the payment. I did not get this either. I'm very concerned because I do not have any proof that this was settled that they are going to come back and tried to charge me additional fees I think that I'm entitled to get a receipt and I'm entitled to get a statement from them that my account with them is closed, I do not have any choice that my hospital uses them for collections. I don't feel that they are in compliance with your regulations without providing me a receipt statement that my account is closed and also charging me a fee just to process my debit card. Based on reviews of this company, there is plenty of notifications that they do come back charge people again on a paid off account saying they never received a payment which now other than my bank statement I have no proof. I want proof of my payment and proof of my account being closed thank you
03/26/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	DE 199XX	Web
On XX/XX/XXXX I received a notice of collection from Amcol Systems ; located at XXXX XXXX XXXX XXXX SC XXXX. I sent a letter on XX/XX/XXXX notifying them that the debt is in dispute and to cease collection efforts, until the debt is validated. I subsequently contacted by phone requesting that they send me a breakdown of the charges to which this debt is associated. I never received that information. I then contacted the original creditor XXXX and asked them to send me the breakdown of charges. I then received another bill from XXXX for a bill which included the total charges and no breakdown of the charges. I attempted for months to dispute the collection and the collectors ability to put this on my credit without validating it's accuracy. But I received no assistance from the credit bureau 's or the original creditor as to the breakdown of charges. It is my belief that the collection company has illegally continued to collect on a debt which has not been verified, after they received a notice to cease collection. This has been done by putting it on my credit report, thereby damaging my credit and potentially forcing me to pay it off in order to receive a loan from future lenders. After waiting for the bureaus and the collection company to provide me with the breakdown of charges, I then contacted the original creditor and requested a breakdown from them again. During that phone call with XXXX at XXXX she said they don't out a list of charges but that they were only general line item charges by category. I then pressed her for an itemized bill with all the charges, she was reluctant but then said she would do it. I received the itemized bill with all the charges on XX/XX/XXXX. I have still not gone through the itemization to see if the charges are all valid and correct, but yet the collection company has ruined my credit without any validation of the debt. Per section 809 of t '' the fair Debt Collection Practices Act '' the debt collector shall cease collection of the debt ... Until the collector obtains verification of the debt or any copy of judgement. Having put a collection account on my credit before validating the debt ( upon being notified ) is braking the law. I want the collection removed from my credit, until the debtor or collector has proof of the validity of the debt by judgement of a court.
07/17/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 08060	Web
on XX/XX/XXXX I went to the XXXX, acct # XXXX, for emergency services. I did not have insurance at the time so I filed for charity care. i was approved for charity care to cover XXXX % of the charges and XXXX % of any future visits for the next 12 months. on XX/XX/XXXX I went to XXXX, acct # XXXX, for emergency services. i received a bill for this visit and i forwarded the charity care determination which shows XXXX to be responsible for XXXX % of the charges. I never heard anything else about this. XX/XX/XXXX I noticed a new collection item on my credit from AMCOL, acct # XXXX. I immediately disputed this as being paid in full. XX/XX/XXXX, I received a phone call from representative on behalf of XXXX trying to collect this debt again. I advised about the charity care and forward them over all documentation. They advised me this would be closed out. I then forwarded this to AMCOL who told me they would investigate it. Lastly I reached out to XXXX Billing who also said they would investigate this and have the account pulled out of the collection agency. On XX/XX/XXXX, I called to follow up and ensure this was removed as this is negatively impacting my credit. I was told by XXXX Billing that I have to re-fax everything again and they can not tell me a time-frame of resolution. I expressed my concern because every month this continues, my credit is being damaged. I then reached out AMCOL and spoke with a rep named XXXX who told me that XXXX advised that this debt is still owed and that they will not accept my charity care letter because the account number XXXX is not listed on it. I advised to the rep that Charity care states they do not have to add the account number to the letter because under XXXX XXXX it states that XXXX is responsible for all payments for future visits 12 months after the original visit, which this visit falls in that category. As of today, there is no resolution and no urgency to correct this. I have been going around with both companies while my credit continues to get damaged. AMCOL also tried to state that XXXX was only responsible for XXXX % and i had to explain that the handwriting looks like that but you can see where is says patient responsible for XXXX % and that it is truly XXXX % which charity care can confirm to both AMCOL and XXXX.
03/04/2018	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	GA 30116	Web
This debt was a result of medical services with the original creditor, XXXX XXXX XXXX. After application and review by the original creditor ( XXXX XXXX XXXX ) it was determined that I was not the responsible paying party and had no liability for this debt and as such it was paid by Insurance or other Government Agency and therefore as I had no obligation for this debt so no collection would exist. According to my records, the original creditor recalled this debt from collection agency with instructions to close the account in the collectors office and to remove any item that had been placed on any credit reports. Instead they just closed it and continue to report it on my credit report. it should be removed and not merely updated as a Paid Collection. On XX/XX/XXXX, I mailed to Amcol Systems Inc a letter ( attached ) in which I disputed this account and requested that it be removed from my consumer credit reports that they had reported to. I never received a response from this company. On XX/XX/XXXX I initiated a direct dispute with XXXX requesting that this item be removed as it was paid by INSURANCE directly to the Original Creditor. XXXX responded that the collection Agency Amcol Systems had verified this account as being reported true and accurate and so it would remain. It is my belief that neither party did a meaningful and complete investigation into this matter because if they did they would have removed this false, inaccurate and misleading account as I was not the responsible paying party. As this was paid by Insurance or other government agency directly to the original creditor and the original creditor has determined I am not the responsible paying party this should be deleted from my Consumer Credit report and not just updated to show a paid collection. In addition after my dispute directly with XXXX, the furnisher of this information Amcol Systems went in and done an update to my credit report and marked it as a closed derogatory account and changed the close date to reflect XX/XX/XXXX in order to make this account look like a new closed collection in a further attempt to damage my credit rating and cause me to suffer financial losses by having to pay higher interest rates. I want this removed from all credit reporting agencies.
08/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC XXXXX	Web
Per XXXX, I have an adverse account with Amcol Systems Inc with a partial account number XXXX**** at XXXX XXXX XXXX, XXXX , SC XXXX XXXX. This file shows a collection for {$150.00} as Medical in XXXX of 2015. This information does not show up on any other credit bureau repository. I have never been contacted by anyone about this matter nor does this have anything to do with me. This collection is negatively impacting my credit score. I don't check my credit reports very often as I have a " Freeze '' on my account. I decided to get a copy of my report, this year, as a check and to clean up any erroneous information. I found this addition when I received my report. Credit Reporting agencies bare a responsibility to notify consumers when negative information is being added to their file so that both sides of the story are reflected. Unfortunately, credit repositories, like XXXX, simply add negative information to a consumer 's file without contacting the consumer. This has been a part of my file since 2015, without my knowledge. Yes, I should have been more attentive in checking my file ( s ) yet the credit bureau repositories are a profit oriented businesses and should be involved in investigating adverse reports. I also think the that there should be a minimum dollar amount, say {$500.00} or {$1000.00} that can be reported as even a {$10.00} collection will have negative consequences. While I should have contacted XXXX about this, first, I believe there are other consumers who have had a similar experience. Furthermore, I don't think I should have to prove my innocence vs a creditor/credit reporting agency proving that a consumer owes money. There has to be a minimum amount owed and a minimum amount of effort spent trying to collect before a request is made to add adverse information. At the very least, making sure that adverse information belongs to the correct consumer. This isn't the first time this has happened to me. The reporting agency removed incorrect information from my file, once contacted, yet there is no way to quantify the damage done while the incorrect information was part of my file nor did the reporting agency add comment about the erroneous information removed and how it got there.
09/14/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NC 27896	Web
AMCOL System, Inc. violated Fair Debt Collection Practices Act [ 15 USC 1692f ] A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. AMCOL System, Inc. violated the Fair Debt Collection Practices Act specifically section : 807. False or misleading representations [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) the false representation of - ( A ) the character, amount, or legal status of any debt. ( 8 ) False or misleading representations. Communicating or threatening to communicate to any person credit information which is known or which should be known to be false. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. AMCOL System, Inc. violated the North Carolina Collection Agency Act section 58 70 110 ( 4 ) Falsely representing the character, extent, or amount of a debt against a consumer. AMCOL System, Inc. violated the Fair Credit Reporting Act 1681s-2 ( b ), A person shall not furnish false information to consumer reporting agency. AMCOL System , Inc. reported to consumer reporting bureaus inaccurate information such as but not limited the alleged collection account date of delinquency ; therefore, resulting in inaccurate reporting periods, etc. AMCOL System , Inc. 's violations of the Fair Debt Collection Practices Act, North Carolina Collection Agency Act, and Fair Credit Reporting Act are documented as follows : Exhibit A : Written correspondence dated XX/XX/XXXX which I sent to AMCOL Systems , Inc. requesting validation, etc. ; sent via Certified U.S. Postal Mail. Exhibit B : Correspondence dated XX/XX/XXXX from AMCOL Systems , Inc. addressed to me in response to Exhibit A. Exhibit C : AMCOL Systems , Inc. credit reporting entry on my consumer credit report. Said credit reporting entry of AMCOL Systems , Inc. clearly stated a false Date of XXXX Delinquency : XXXX of an alleged debt, etc.
10/17/2023	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 21061	Web
To Whom It May Concern, I am writing to express my deep concerns regarding your collection agency 's behavior, particularly your deceptive claim that you work on behalf of XXXX XXXX XXXXXXXX in connection with an alleged debt. Such deceptive practices are not only unethical but also in violation of the Fair Credit Reporting Act ( FCRA ). I demand that you immediately cease all collection activities related to this account. I have taken the necessary steps to verify my financial obligations with my insurance provider and can confirm that no outstanding debt exists with XXXXXXXX XXXX XXXX. Your false assertion of this debt is not only misleading but also a direct violation of the FCRA. Under the FCRA, you are required to provide me with the following documentation to validate the alleged debt : 1. Original Documentation : I request that you provide the original documentation, including invoices, bills, and itemized statements, which demonstrate the legitimacy of the debt in question. 2. HIPAA Release Form : Given the sensitivity of medical records, I insist that you produce a HIPAA release form authorizing your access to my medical information, as is legally required to proceed with any medical debt collection. 3. Chain of Ownership : Provide a complete chain of ownership and all relevant records of this alleged debt account from its origin to the current holder, as required by FCRA . Failure to provide this information promptly will be considered a willful violation of my rights as a consumer under the FCRA, compounded by your deceitful practices. I am prepared to take legal action to protect my rights and ensure that such deceptive practices do not go unchecked. I demand that you respond to this dispute within 30 days of receiving this letter. Any further collection attempts without proper validation will be met with immediate legal action, and I will report your company to the appropriate regulatory authorities. I expect your full cooperation in rectifying this situation in a lawful and ethical manner. Deception has no place in debt collection, and I will not tolerate any further harassment or untruthful tactics. Sincerely, XXXX XXXX
11/10/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NC 27520	Web
I pulled my credit report on XXXX as apart of a monthly monitoring service that I have to help clean my credit. I noticed XXXX medical collections accounts under Amcol Systems that I was unaware of. I called Amcol immediately on XXXX at approximately XXXX. I spoke with a rep named XXXX. Upon reading the disclosure and verifying my information, she stated an address for me that did not exist. The address that she had on file for me was XXXX XXXX XXXX, XXXX, NC XXXX. I expressed to her that is not my address and that address does not exist at all. She asked for my correct address and it was given to her. During the call I paid the entire amount that was owed because it was due. I expressed to her that these XXXX colletion accounts were showing on my credit unfairly because I NEVER received the letters or invoice that these amounts were due because they had the incorrect address on file. I asked if that these accounts be removed because they reported incorrectly and under false pretenses that I received the letters and neglected to pay for my debt. XXXX stated that she would need to speak with a supervisor in order to get that approved. She called me two days later and said that XXXX accounts would be removed from file. I asked about the other XXXX as I never received letters for those as well due to the incorrect address on file. She could not answer my question. I pulled my credit today and the accounts are still showing on my credit, however XXXX accounts have been updated to a XXXX balance and the other XXXX have not ALTHOUGH ALL XXXX accounts were paid in full on XXXX. I need help in rectifying this situation before I seek an attorney. I should not have to be bullied into paying for an attorney when the collection agency is not doing their part. After they verified that they had the incorrect address on file for me, they need to do what is right and that is update my credit report correctly and have these accounts removed since I never received correspondence. I did my due diligence and paid ALL accounts in full the same day that I found out about the accounts and that was a total of {$1400.00}. Please help me in this situation. many thanks
10/16/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76063	Web	Servicemember
XXXX XXXX, 2017 To whom it may concern : I need assistance from your organization. I would like to file a complaint against a collection agency by the name of AMCOL SYSTEMS INC. This collection agency has placed a fraudulent collection onto my credit files, and I want this fraudulent information removed immediately. This agency has placed a collection in the amount of {$1500.00} onto my credit files, claiming that I owe these funds to XXXX XXXX XXXX XXXX. They are claiming that I owe this Care Now style emergency room this money. I have not visited that facility in over a year, and any claims that were created during my visit at that time, have already been paid in full, by my insurance carrier some time ago. From what I have learned, there is a lawsuit that has been recently filed against this medical facility, and I presume that this is why they have recently changed their name. That medical facility has a bad record of exorbitantly overcharging patients for minor services performed, as well as not crediting patients for medical bills that have been paid, they use different AKAs when it comes to collecting payments, and I suppose this causes confusion for them, so the one that suffers is the patient, because the billing staff cant keep their records straight. This collection agency has broken the law, they are committing slander of credit, because they are charging me for a debt that I do not owe, as well as they also did not contact me at all prior to placing this fraudulent information onto my credit files to verify the accuracy of this debt. They have damaged my credit rating, and thereby caused me harm, and this has influenced my ability to conduct my financial transactions, and I am seriously considering initiating legal action against this collection agency. I want AMCOL Systems Inc. to provide to me in writing, proof that they are licensed to collect in my state, as well as, I would like proof of their license numbers, and their Registered Agent documentation. I want AMCOL to respond directly back to your organization, and you can provide me with their response, I want your agency fully involved in my complaint.
06/20/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 787XX	Web
On XX/XX/XXXX I was a patient at XXXX XXXX XXXX XXXX to receive XXXX in my XXXX. I paid the amount due at the time of the visit, which was something like {$100.00} - {$150.00}. The remainder of the bill was sent to my insurance company. Unbeknownst to me at the time of needing XXXX in my XXXX, XXXX XXXX XXXX XXXX was not in network for my insurance company, and as a result I ended up owing additional funds to the service provider. They sent me a bill, which -- as happens from time-to-time -- fell through the cracks as I was traveling a lot for my job during that period. A few months later, the bill was sent to AMCOL Systems for collection. This is very atypical for me ; I have worked very hard for the better part of my adult life to establish good credit. I am very protective of my credit score, and it was never my intention to willfuly ignore the debt. However, my job continued to be extremely demanding at that time and required that I move my family to a new city. On XX/XX/XXXX I contacted AMCOL to pay the debt. Rather than negotiating a discounted payoff, I asked them if they would remove the collection from my credit report if I paid the debt in full. They did tell me that it was unlikely they would have the debt removed from my credit, but that a " paid in full '' status would be significantly better for my credit than " paid as agreed. '' I did pay them in full, but my credit has not improved as they said it would. I 've since called them multiple times and talked with multiple people asking them to please stop reporting my paid in full debt to the bureaus, but they simply will not do it. I know they absolutely have the ability to have the bureaus remove the collection from my report, but they simply choose not to because of their company policy - a policy that clearly is not in the best interest of American consumers. Not only is their policy unfair and unjust, but they continue to report to the bureaus every 2 weeks that my debt was paid in full, which keeps it at the top of my credit report and will continue to make it appear as a young debt. At this point it just feels spiteful.
07/02/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75098	Web	Older American
On XX/XX/XXXX, I received emergency medical services from XXXX XXXX of TX. In early XX/XX/XXXX, XXXX XXXX merged with XXXX XXXX XXXX ( XXXX ). At the time of my service, I paid the required {$250.00} fee and my health care provider, XXXX paid all other charges. In mid-XX/XX/XXXX, I received notification from a collection firm entitled, AMCOL, XXXX XXXX XXXX, XXXX, SC - ( XXXX ) XXXX. They indicated that they were retained by XXXX to collect {$250.00}. I explained to them that I had inquired with XXXX and learned that all fees had been paid and that I owed nothing. I also sent in a written letter, via US Mail, to dispute of this charge. This apparently went on deaf ears and AMCOL continued to attempt contact with me. I again called them and informed them of the wrongful charges. While on vacation onXX/XX/XXXX, my credit monitoring service, XXXX, informed me that I had at least two collection account, XXXX and XXXX that had been added to me credit bureau report. On XX/XX/XXXX, I called XXXX to request additional assistance and their representative name XXXX and I got on the phone with XXXX 's representative named, XXXX. XXXX looked at my account and immediately stated that this account was sent to AMCOL in error. She stated that my account had been paid in full. On another line, XXXX called AMCOL and spoke with XXXX to have this account removed from further action and to also delete the wrongful collection notice that was erroneously reported to the credit bureau companies. XXXX stated that I would be receiving a formal letter from XXXX along with the AUD number which would confirm that this collection account had been removed from my credit bureau reports. XXXX indicated that she would call me by XX/XX/XXXX and inform me regarding the AUD number and that my CBRs would be cleared of this wrongful entry made by AMCOL. As I write this complaint, nothing has taken place and I am extremely concerned and frustrated. I have always paid all of bills and I have been blessed with an XXXX credit score. I do the right thing and I am appalled by this treatment.
03/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43147	Web
I had my report pull in XXXX XXXX I found unverified information listed on my report.I received a information that under the Fair Debt Collections Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from AMCOL SYSTEMS INC but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/XXXX ], to protect my privacy and medical records from third parties. I do not recall giving permission to { name of provider } for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter-sent certified mail as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back with you certified mail. Regards, Certified mail No : AMCOL SYSTEMS INC # XXXX XXXX XXXX XXXX XXXX , SC XXXX
06/14/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 27549	Web
On XX/XX/XXXX, a visit to XXXX XXXX XXXX had taken place. Insurance information was provided, Full Coverage XXXX, and it was said that no balance was owed. The hospital never reached out via mail or telephone regarding a balance. On XX/XX/XXXX, the account was sold to Amcol Systems Inc. of XXXX XXXX XXXX. XXXX SC, XXXX with a balance of {$1100.00}. The collection account was then added to a credit report, which in how the whole situation even came to light. The collection agency was then reached out to in regards of just gathering information on this collection account. The representative that was spoken to was extremely rude and disrespectful, using obscene and abusive language. When asked to locate the collection account under the social security number of the accused individual they could find ZERO accounts under that social security number. They had to search between different variations of names, telephone numbers, and addresses to even locate an account under the individuals name. When asked to provide documentation to the individual the representative was very hesitant in response, said that it would be sent out, but nothing was ever received. The individual has filed disputes against the collection account with XXXX and XXXX which have resulted in nothing. The individual has also reached out to XXXX, in which XXXX stated that the individual did indeed have Full Coverage XXXX at the time of the visit on XX/XX/XXXX and that they would gladly provide that information. Though, they will not be willing to pay the bill off because you can not file a claim with XXXX if it has been over a year from service. The individual is now reaching out to Consumer Financial hoping to have this reconciled and removed. The bill should have been billed to insurance, the collection account is not tied to the correct social, and the representative was rude and obscene. The contracted was also canceled when the account was sold and wrote off to the Collection Agency via XXXX XXXX XXXX, therefore there is no contract.
08/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32256	Web
Amcol Systems, Inc ( XXXX XXXX ) XXXX XXXX XXXX XXXX, SC XXXX Account # listed on demand letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX ID # XXXX After taking a look at my excellent credit score, I noticed on my XXXX account on XX/XX/XXXX, that your company posted a collection on my account without first notifying me of an alleged debt. I have reason to believe I do not owe this debt The Fair debt Collection Practices Act ( FDCPA ) .. has certain rules in place to avoid fraudulent collections, and you did not follow their policies. You are to notify the alleged debtor of such debt to confirm is a legit debt, and the person you are harassing is the correct person and not someone else. I was never given that opportunity to view your alleged collection, and should have been allowed to respond to your demand letter within 30 days after receiving such notice I have to notify you that you are in violation of the Fair debt Collection Practices Act ( FDCPA ) .. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in the state of Florida 5 Itemized breakdown of money owed and why If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. Any and all future demands I request to be mailed certified and with a tracking number to avoid any confusion Sincerely, XXXX XXXX XX/XX/XXXX
10/23/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI XXXXX	Web
I am in receipt of AMCOL SYSTEMS offer, dated XXXX XXXX, XXXX, however, I do not understand how the charges listed were processed. I believe that your agency accepted debts that were potentially inaccurate, lacking documentation, or unenforceable. I would be more than happy to settle this matter if your agency send a true bill, verifying the debt. Failure to rebut, answer, respond, to this conditional acceptance upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. Failure to rebut, address, answer or respond to CONDITIONAL ACCEPTANCE UPON VERIFIABLE PROOF OF CLAIM, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, stand as a Default Judgment and Declaratory judgment, of the facts stated herein being true. Failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX created Summary judgment, dated XXXX XXXX XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX. Failure to rebut or continued acquiesce, failure to address, answer or respond to Final judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created an AFFIDAVIT OF NON-RESPONSE, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
03/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75115	Web
AMCOL reported {$670.00} not paid to credit bureaus. I contacted XXXX XXXX directly via online, and paid the {$670.00} in full on XX/XX/XXXX2019. I attempted to dispute the report, but was unsuccessful. I saw that XXXX reported the amount again on XX/XX/XXXX. I tried to dispute again on XX/XX/XXXX, unsuccessful. On XX/XX/2019, I contacted AMCOL ( XXXX ) to gain information as to why they continue to report the amount on my credit when I paid to the company directly. I asked her when the correspondence was sent to me regarding the amount due by the third party, she said the company had no record and would not be able to confirm. I ended up speaking with a manager, XXXX, who stated that AMCOL sent correspondence in XXXX, which I never received. I told her that I did pay, but she said they would have to wait for XXXX XXXX to confirm payment. By the end of the conversation she said she would expedite trying to locate the payment confirmation. I contacted XXXX XXXX ( XXXX ), thereafter, spoke with a rep, XXXX, who stated that their records confirmed my payment of {$670.00} on XX/XX/XXXX2019 and pulling my information from collections on that same date. I called AMCOL back and ended up speaking with XXXX again who then said she received payment confirmation fifteen minutes ago. I expressed my disbelief that the company just received confirmation from XXXX XXXX on today. I also let her know that XXXX XXXX confirmed pulling my information from collections the same day the balance was paid. Because I have disputed this item multiple times, I can not dispute again and it's showing up negatively on my credit report for XXXX even though the bill was paid at the end of XXXX and pulled from collections at that same time. AMCOL did not follow up with my account properly and continued to make false reports on to the credit bureaus.
11/29/2016	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	NC 284XX	Web	Older American, Servicemember
I had a debt owed to a XXXX office resulting from some amount not paid by my insurance carrier associated with the procedures by this XXXX office during my visit. I was never notified of any amount due ( {$65.00} ) by the XXXX office. Instead, they sent the amount due to their collection agency AMCOL Systems Inc. So the first notice I received of owing any amount was from this collection agency threatening to report the unpaid item to my credit bureau if I did not paid the debt or dispute the debt within 30 days. I did not have any opportunity to see the details and an explanation of the amount due from XXXX before being contact by a collection agency. I called AMCOL Systems and explained that I had not had any previous notice of any debt from XXXX and they stated they knew nothing about the collection practices of XXXX associated with prior notice. They simply stated that the debt had been turned over to them for collection and I would need to pay them. I strongly believe that XXXX is maintaining a policy of not providing any follow-up notice to patients of a debt owed as a result of an amount not paid by the insurance carrier but is utllizing the practice of just turning over any amounts due from patient visits directly to AMCOL Systems for collection and paying their fee for the collection services. I consider this practice to be very inappropriate, unfair and XXXX to patients, like myself, who always pay valid debts in a timely manner and have a very high credit rating. Allowing a collection service to threaten impacting my credit rating when I have not been given any prior invoice with details of the amounts owed to XXXX needs to be stopped. I would have gladly paid XXXX directly had I been sent details of the amount owed directly from XXXX.
06/22/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75115	Web
In XXXX 2017, I received a letter from AMCOL Systems dated XXXX XXXX, 2017 for an account placed in their office for {$150.00}. I immediately responded by certified mail dated XXXX XXXX, 2017, delivered XXXX XXXX,2017 XXXX XXXX requesting validation of debt as I am certain I have never done business with AMCOL Systems and also requested that all attempts to collect this alleged debt be made in writing.I did not receive a response. In XXXX 2017, I received another notice dated XXXX XXXX, 2017. The balance due on this letter indicated {$60.00}. I promptly responded via certified mail dated XXXX XXXX, 2017 delivered XXXX XXXX, 2017 at XXXX.In this letter I reiterated that I do not owe this company any money as I have never heard of them prior to the first letter. I requested proper debt validation under the Texas Finance Code. I received a statement of bill from XXXX XXXX XXXX for {$60.00} dated XXXX XXXX, 2017. The patient listed was NOT me. I responded again via certified mail dated XXXX XXXX, 2017 delivered XXXX XXXX, 2017 at XXXX advising that the documentation provided does not validate that I owe this company money. I never heard back from AMCOL Systems. On XXXX XXXX, 2017, I received an alert from my credit monitoring service that AMCOL Systems placed XXXX collection accounts on my credit file! I am not only livid that this company has failed to provide proper validation, they have violated my rights. This company has made multiple phone calls after being advised to communicate in writing. Between XXXX 2017 and XXXX 2017, this company has called me a total of 62 times. I have recorded the date and time of these calls which I will use to pursue legal action if necessary as well as copy of phone records to prove the violation.
01/06/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77429	Web
Date of incident : XX/XX/XXXX Date of emergency visit : XX/XX/XXXX Amount I have to pay : {$3100.00} Company I contracted XXXX XXXX from : XXXX XXXX. Collections company : Amcol systems Hello, I was told to reach out to yall regarding this on going issue I have been facing with XXXX XXXX for almost a year now. I had dined in at XXXX XXXX in XXXX XXXX, tx and contracted severe XXXX XXXX that resulted in a very expensive emergency room bill. I could not eat or drink for 3 days nor work. When i went to the emergency room it was infact XXXX XXXX XXXX I had gotten from XXXX XXXX. I had never been that sick in my entire life. I have been reaching out to them since the incident to see if they will help pay for the bill. I get no return phone calls or emails from them regarding my complaint. When i do call and I am lucky enough to actually speak to someone they blow me off saying someone will reach out to me and it never happens. This is the same restaurant that was in the news for having bad temperatures in their freezers and having to discard thousands of dollars in bad food products. At this point my bill had been sent to collections and I have almost paid the entire thing off while I have been going back and forth with XXXX and getting no where. I dine with XXXX quite frequently and also a member of XXXX select club and their XXXX XXXX club with the casino. I feel this is absolutely rediculous for them to treat customers this way and am reaching out to yall as a last leg for help. I do not feel obligated to pay this bill. I have been paying on my collections and have n't missed one payment. My account is up to date and in good standing however I have 2 derogatory marks on my credit right now because of this issue
02/05/2018	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	TX 75287	Web
I obtained a copy of my credit report in XX/XX/2017 and noticed that XXXX XXXX XXXX XXXX ( Reporting as Amcol ), Inc.was reporting a collection account. I submitted a dispute letter to the credit bureaus regarding the account and they stated it was verified. To that end, I communicated in writing to Amcol in XX/XX/2017. I requested that they provide me copies of any documents proving my indebtness. See attached. I have not received any documentation to date to support the inaccurate, unverifiable entry they are continuing to report on my credit report. This company has had almost 6 months to respond. I have no recollection of ever owing them nor ever doing business with them whereby I signed a contract. The reporting of this entry is violating my consumer rights and therefore, should be removed immediately. The company should provide proof of all HIPPA information whereby I gave the XXXX XXXX XXXX XXXX permission to allegedly share my information with them as well as copies of their adherance to the Affordable Care Act where there was a screening performed as well as a clear summary that spells out the financial assistance/charity care options available if I am indeed responsible for this debt. Further, where are the copies of the letter XXXX XXXX XXXX should have sent in writing first, to advise me that they were turning over this alleged debt to the a collection agency. Also per ACA, once the collection agency, in this case, Amcol, received the debt, they were still responsible for providing billing information and payment plan options to help satisfy this alleged debt. As stated above, I have not received anything from this company.
10/22/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 850XX	Web	Older American
In XX/XX/2017 I visited an emergency center for a XXXX XXXX. When walking in I was told my charge would be {$250.00} for them to look at my XXXX. As I was getting ready to see the Dr. ( the place was new and completely empty ) the receptionist asked If I had insurance which I said I did but would pay on my own knowing the price. She ( the reception lady ) said give me your card and we'll run it through your insurance. After giving her my card they took me to a room where the nurse took my blood pressure and temperature. She walked out, then the Dr walked in, asked me what was wrong so I told him. He wrote me a prescription for pain and walked out without another word. I left! Then several weeks later I get a bill saying that the insurance company would only pay around {$250.00} and that I was responsible for $ 1000+. Infuriated because I was told originally the fee was {$250.00} I called the company that owned the medical facility and was told that I was now responsible for the remainder. This is a scam and I've heard the Attorney General in Texas, where I was living, has been alerted to behaviour such as this and were investigating. I said two words to the Dr. who was in my room for not more than 2 minutes, he did nothing, my insurance paid the medical company around {$300.00} and I'm getting stuck with the scam! This can be referred to as nothing other than a scam because I was at the beginning told the fee was {$250.00} and now the collector is attempting to rip me off instead of the insurance company. This needs to stop! Please stand up for me and others who are being taken advantage of, please stop this scam!
05/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 11205	Web
AMCOL SYSTEMS, INC ( Original Creditor : AMCOL SYSTEMS , INC ) has failed to send me a response with my requested information for alleged collection account XXXX the first XXXX initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX Now that I contact this company about this alleged debt there is no response?? furthermore AMCOL SYSTEMS INC is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
10/24/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MI 48390	Web
I disputed a collection with XXXX several times in the past few years regarding Amcol Systems that they submitted to the credit agencies recorded on XX/XX/XXXX without my knowledge and without any validation of debt. The details state the original creditor as XXXX and the amount is for {$650.00}. I contacted XXXX and they do not have a record of this under my name. I do not recall going to XXXX. I had a different insurance thru my employer as well as HSA and any medical bills would have been paid with the combination of both. This is too old to investigate or to submit to insurance or HSA. I also asked them due to this automatically falling off my credit report next XX/XX/XXXX, if they would kindly remove, as I have never received any communication from this them over the past years. Furthermore, this credit agency is not licensed in the State of Michigan to perform collections in this state, so I believe they are illegally trying to collect a debt that not only is invalid, but they are not entitled to do so according to the Michigan State Attorney general office, which they have requested I file a complaint pending the results of your findings. I have been checking my credit reports and this is still appearing, therefore they are ignoring my request for removal and never offered any type of validation. I reached out to them also via email this week, I have proof of delivery and again received no response, not even an email reply to say they would look into this matter. If this was on one of their own credit reports, they would react in a timelier matter.
06/17/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76052	Web
I have taken the liberty of typing up a letter outlining the dates and time. Here is a synopsis of what happen. I went to an urgent care facility that had been owned and operated as " XXXX XXXX XXXX XXXX XXXX '' this is also the signage on the building. However, at the time due to my illness I gave my insurance card to my brother in law and he filed out all the paperwork. Weeks later I get a bill from XXXX XXXX XXXX saying I owed them {$3700.00} dollars for the medical visit. I called my insurance company and the said XXXX XXXX XXXX was not in my network. I told them that it was not this company rather XXXX XXXX XXXX XXXX. Unfortunately they sold out to XXXX XXXX XXXX and no longer accepted calls from the public. Everything went through XXXX XXXX XXXX. Will my issue here is they needed to take the sign down before operating as XXXX XXXX XXXX XXXX, instead of giving the impression they were still an urgent care which would have been covered by my insurance. That said, I got no help from XXXX XXXX XXXX just a bunch of ping ponging me to different dept. So then I was told that they would work through my insurance carrier and help get this covered. Never heard any updates until Amcol reached out expressing that they were a debt collections agency and trying to collect now no longer just the {$3700.00} but also {$1900.00} for the primary doctor fees. At this point XXXX XXXX XXXX would not take my call as they said it was no longer being held as an in house debt.
10/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77546	Web	Servicemember
Back in XX/XX/2017 I went to an urgent care facility, and used my insurance. I got a bill/credit notice in the mail for $ XXXX saying that was my portion due. Well, according to my insurance company ( XXXX ), I shouldn't have any outstanding balance as I was covered. When I called Amcol about the amount that hit my credit report they told me it was an unpaid hospital bill. Once I pulled the information out of them of who the original creditor was, I called their billing department and they were less than helpful. They said it doesn't matter what XXXX paid, that I was still responsible for the remaining balance. When I asked them to hold so that I could three-way my insurance company on the phone so that we could all get on the same page she told me she wouldn't be placed on hold and would hang up if I tried to do so. This amount being reported is INCORRECT, as my insurance has already paid their portion and I shouldn't be subject to pay anything additionally. Since this was an urgent care visit they informed me that the hospital bill was paid but that it was actually the physician who I still owed money too. So essentially it's 2 separate bills. The one that Amocol is reporting however is the hospital bill under " XXXX XXXX XXXX '' and that one is actually paid according to everyone 's standards. I'm just asking that this be removed from my credit. I have an EOB from XXXX stating that my portion in this matter is {$0.00}.
09/02/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77040	Web
Hi ; There are 3 different unknown medical collection accounts on my credit report that i've tried for many months to resolved but unable to. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
11/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19114	Web
I am consumer XXXX XXXX, my federally protected consumer rights have been violated by AMCOL SYSTEMS. AMCOL SYSTEMS is a third party debt collector and did not have my direct written consent to contact me regarding alleged debt which is in violation of XXXX XXXX. XXXX ( a ) of my consumer rights. AMCOL SYSTEMS, has obtained my personal information without my consent and is a breach of my individual privacy under congressional findings of XXXX XXXX. XXXX ( a ). Reporting and having my information without my consent is identity theft. AMCOL SYSTEMS can be held civilly and criminally liable for these actions. I do not owe any debt and I am the consumer under XXXX XXXX XXXX ( XXXX ), I am not obligated to pay any debt. AMCOL SYSTEMS is in violation of XXXX XXXX XXXX ( XXXX ), they have gained my location information and did not get permission from the consumer or anyone that is close and knows the consumer. AMCOL SYSTEMS states that the consumer owes a debt in which is a violation of XXXX XXXX XXXX ( XXXX ), debt collector must not state that a consumer owes such debt. The alleged debt that was sent is in a positive balance in which means you can not pay on a balance thats already paid, this is false and misleading and in violation of XXXX XXXX. XXXX ( XXXX ) ( A ). Cease and Desist was sent and received by AMCOL SYSTEMS with a tracking number of ( XXXX XXXX XXXX XXXX XXXX ).
01/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 761XX	Web	Servicemember
On XX/XX/XXXX, I visited XXXX XXXX XXXX in XXXX, Texas. The itemized medical bill was XXXX. The administrator asked how did I wish to pay. My response was via mastercard. The administrator asked it would be via insurance? I responded for a third time. It would be mastercard. The Administrator and nurse on duty presented me with an XXXX itemized bill statement. I asked on three other occasions if this was the bill in full and the Administrator responded yes. " This is the itemized cost per our charts. I then provided my mastercard to the Administrator and a charged of XXXX was bill to my card and I was presented with a receipt for my records. Within three weeks, I started receiving bills for additional charges. I have spoken with XXXX XXXX on several occasions, and provided them with a copy of the paid receipt. The response was, " I don't know why they charge that price because it is not enough. I contacted my legal team and they drafted a letter of inquiry which XXXX XXXX has refused to acknowledge on two occasions. On XX/XX/XXXX, I received a letter from a third party collection agency threatening to report the matter to the credit bureau as bad debt collection. I have attached substantiating documentation of full payment and all other pertinent documentation for your review and resolution before additional legal action is warranted.
07/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 082XX	Web
My Daughter, XXXX XXXX, visited XXXX XXXX ( Part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX for routine vaccinations. She had XXXX XXXX XXXX XXXX XXXX at the time. There was a coding error between the doctor 's office and the insurance company which denied coverage for 2 vaccines ( {$150.00} and {$240.00} ). I started receiving bills from XXXX for {$390.00}. I discovered the coding issue and it was resolved in XX/XX/XXXX. At that time XXXX XXXX paid for the service. But I continued to receive bills for {$390.00} from XXXX. Every month I would receive a bill and every month I would call them and challenge it and tell them that they had been paid. I sent them the XXXX XXXX statement monthly to prove it was paid. But I still receive bills from them monthly. XXXX has now taken the step of referring me to a collection agency for a bill i do NOT OWE! I am at a complete loss as to what to do. I am stuck in a vortex of incompetence with XXXX billing department. The attached documents show the bills from XXXX and the Collection agency with the description of charges ( Vaccines for {$150.00} and {$240.00} ) I also attached the XXXX XXXX statement that clearly shows on page 2 that these services have been paid. Please make XXXX stop sending me these bills. Please try and reverse the damage a Collection Agency can have on my credit score.
01/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web	Servicemember
To Whom it May Concern : After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you this in 2020 account # XXXX and # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to XXXX and XXXX. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
04/25/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77379	Web
Amcol Systems continues to report a medical debt in the amount of {$170.00} that was paid by my insurance provider on XX/XX/16. Amcol Systems purchased this " debt '' from XXXX XXXX XXXX. XXXX XXXX XXXX no longer has any information on this alleged debt. Further, Amcol Systems began collection only 150 days after the bill was paid by my insurance provider. This is a violation of the XXXX settlement agreement. Per the XXXX policy collection agencies are supposed to allow 180 days from the date of delinquency to pass before attempting to collect on a debt.The 180 days is to allow the insured and the insurance provider to ensure that the medical bill has been paid correctly and to sort out any issues of coding error, policy error, administrative errors, etc.The payments regarding this service were made in separate check increments. There were a few coding issues that resulted in re- billing on this claim. This claim was paid in full by XX/XX/16. Attempting to collect additional money on this claim is a violation of the FDCPA. Amcol keeps verifying that this is a valid debt with XXXX only in an attempt to collect on it. Please find attached a copy of the balance sheet provided to me by XXXX XXXX XXXX XXXX that proves that the services were paid and the date that the claims were paid electronically to the providers.
06/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76052	Web
On XX/XX/XXXX I was routinely checking my credit score on XXXX. Much to my surprise my over 800 credit score had dropped by 45 points in a matter of 9 days due to a derogatory account on my credit report. Immediately I contacted XXXX and XXXX to have the account removed. I have also contacted the company, Amcol, via phone without appropriate resolution. Now I have decided to send certified mail and requested receipt to the company demanding immediate action. Letter is as follows " I am contacting you in writing to address a collection placed on credit report in the last two weeks. I have not received a bill regarding this collection. Previously I had received bills for a visit for my daughter going to the ER and payments have been made. Please provide proof of the account and historical payment history to document account is 1. Delinquent 2. Length of Delinquency 3. Total balance owed. I would like to swiftly resolve this matter and requesting Amcol to remove the debt, derogatory condition, from my credit report immediately as it has negatively impacted my over 800 credit score. '' From my credit report the account was opened on XX/XX/XXXX and reported to credit agencies on XX/XX/XXXX. What are consumer rights to address collections? What about accounts making more than the minimum payment required?
01/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85392	Web
AMCOL Systems Inc is reporting on all three of my credit bureaus as three different accounts with different amounts. The accounts that are showing are {$1300.00} on XX/XX/XXXX, {$1200.00} on XX/XX/XXXX, and {$210.00} on XX/XX/XXXX. All of these were for the same visit not on the dates being reported. The services were either for myself or my son. In addition, I had medical insurance through the state of Arizona and these claims should have been filed through medical insurance. I called this company XX/XX/XXXX and advised them that I had state health insurance at the time of the visit. Their response was " because the date of service is more than 1 year ago they are unable to file the claim with the insurance. '' I told them that I was not responsible for this debt and they need to file the claim with the state health insurance or they should have at the time of service. At the time of service, I presented my insurance card and they took a copy of it in addition to filling out the paperwork with all of my insurance information on it. They are refusing to remove these accounts and file a claim with the insurance. This company is not easy to work with and their representatives who answer the phone are rude. I have enclosed a copy of mine and my son 's medical health insurance card that I had at the time.
10/15/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NC 27610	Web
I contacted Amcol after I had been forgiven for a debt to XXXX XXXX XXXX. I spoke with the rep and asked had they been contacted by XXXX to remove these debts from credit report. Was instructed to send in the letter stating that the debt had been forgiven with the financial assistance. On XX/XX/XXXX I faxed the letter waited 24 hour called back. Amcol staff confirmed they received the letter and instructed they would send the debt back to XXXX for confirmation and to wait one week for a response. I called back XX/XX/XXXX and a rep instructed me that XXXX had indeed given 100 % financial assistance but that did n't apply to my patient portion of the bill. I again called XXXX to be sure that all my accounts had been forgiven and there no accounts still owed. XXXX XXXX XXXX of XXXX again assured me I owed them 0.0. I again contacted Amcol spoke with XXXX who gave me the dates ( XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ) and a total owing over {$4000.00}. I again told him these dates were covered under the financial assistance. I have since faxed them again my account summary with dates and details showing the {$0.00} balance. Amcol position has not changed and still attempting to collect this debt and continues to report this debt to all 3 credit bureaus.
07/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76002	Web
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
08/22/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NC 27519	Web	Servicemember
Hello - During the last few years we have had multiple medical bills that have went into collection after my husbands XXXX XXXX. We in good faith paid some to the collection agency so that it would not be reported. We paid {$290.00} in XX/XX/XXXX to prevent any reporting to my husbands credit report. They took the money and misrepresented how the money would be used to pay off the debt. They did not use the money to pay the oldest debt of {$130.00} from XX/XX/XXXX and that amount went into collection. They divided the money up between several accounts and only put {$5.00} towards the oldest balance of {$130.00} which left {$120.00} that ended up getting reported in XX/XX/XXXX. We received NO notification that it was reported. When we ask why the money we paid did not go to the oldest debt, they did not have an answer. I was however told that how that they distributed between multiple accounts and paid the the newest ones because they make more money off of newer " not stale '' debt. I am outraged and deeply bothered by this. On top of that we have paid the hospital directly and they NO ONE did any verification to confirm the amounts are valid and have not already been settled directly with the hospital. I have disputed verbally the validity of any debt owed to this company.
01/29/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75028	Web
I recently discovered XXXX accounts reported on my credit report from a company call Alcom. I didn\\\'t recognized those transaction and i filed a disputed. While in dispute Amcol send me two letters requesting payment from medical bills incurred by XXXX XXXX. this letter that came in the mail violated the debt collection act the provided any debt collection agency from contacting a disputer when the deb is in dispute. The act provide penalties for companies that violate the statute. however this company stated that they don\\\'t go by the debt collection act. they said they only go by their company policy. Furthermore, this debt does not belongs to me. This medical bill belongs to XXXX XXXX and they should charge or attendt to collect the bill from her. I never sign any documents nor summed responsibility for any bill of anyone. I demand Amcol to immediately remove the information from all credit report agency affecting my credit between 30 days. failure to comply they will be subject to all penalties by law and actual damages not limited to punitive damages for acting with knowledge and malice. XXXX company is required to act diligence in verifying the debt. they do not have not right to collect debt from anybody else that have not incurred the debt. XXXX
02/23/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30318	Web
Amcol Systems Inc has reported 2 accounts to all 3 major credit reporting bureaus that do NOT belong to me. I demanded that ALL documentation regarding these two collection accounts be VALIDATED in accordance with FCRA 609c, and within 30 days from receipt of my initial request for validation but have NOT received the sufficient documentation for my review, which was : All ORIGINAL documents baring my compete, legal, signature and dates SSN AND DOB on accounts * proof you are able to do business in your state as a collection agency. contact info of owner of Amcol Systems Inc Amcol 's license number names and contact info of the credit bureaus representatives that were spoken to to " validate " these erroneous accounts on my credit profiles. contact info for representatives that allegedly provided these accounts to you for collection. XXXX complete and accurate account numbers and alleged amounts due. * dates and times accounts were allegedly opened XXXX representative contact info whom allegedly opened accounts I also am a victim of a possible HIPPA Violation on Almco Systems Inc part according to the FCRA. Thank you in advance for deleting these erroneous ite.s from my 3 credit bureaus profiles as they are adversely affecting me. XXXX XXXX
09/24/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75006	Web
AMCOL Systems Inc XXXX XXXX XXXX XXXX, SC XXXX Phone : XXXX XXXX XXXX Acct. No. XXXX & XXXX Amcol Systems reports to have two collection accounts dated X/2017 in the amounts of {$2300.00} ( Acct. # XXXX ) & {$9500.00} ( Acct. # XXXX ). I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore I request validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
06/21/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78653	Web
In XXXX of XXXX per AMCOL SYSTEMS INC they received several bills in reference to XXXX XXXX XXXX XXXX in XXXX, Texas. Per the company they contacted me in XXXX of XXXX and the line was disconnected. I was not in the country between XXXX XXXX, XXXX to XXXX XXXX, XXXX. Upon speaking with the company in XXXX, I requested validation of debt ( balance ) which was not provided and I disputed the information as I have dual coverage. Per XXXX XXXX the debt validation was issued to me on XXXX XXXX, XXXX roughly more than 120 days after receipt of I contacted my insurance company to determine the status of said charges and the medical Facility did not process through my insurance company. XXXX at XXXX XXXX XXXX room whom I spoke with on XXXX/XXXX/XXXX stated the insurance company was not billed entirely for the medical charges Rep ID XXXX. {$270.00} was the balance owed to the Physician and my insurance company paid {$500.00} on XXXX XXXX which was four days after date of service. They attempted to re-bill my insurance. XXXX XXXX XXXX/XXXX/XXXX billed and then XXXX XXXX billed {$640.00} bill wrote off {$120.00} and applied {$520.00} to deductible and they were billed again. My insurance company was not billed adequately resulting in inconsistent balances.
09/03/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75028	Web
I originally went to XXXX XXXX XXXX XXXX in XXXX XXXX Texas on XXXX2016 for a XXXX XXXX XXXX XXXX. When I checked in, I asked about pricing and they said i needed to be evaluated first. After approximately an hour I was released and they said the Doctor would need to complete a report for billing and I would be notified of the costs. I later received a bill for @ {$8000.00}. I called the facility and they were unable to explain the basis of cost other than it was based on the level of care. After I called several more times the Manager said they would waiver the {$150.00} deductible since they were unable to provide pricing details. Later that year XXXX XXXX XXXX was bought by XXXX XXXX XXXX and I was sent a demand letter for the {$150.00}. I asked again for the pricing structure used to determine " Level of Care '' and it was never sent. They did send a statement detail with a lump sum entry for the " XXXX XXXX XXXX '' for {$6200.00}. This amount was charged for the ( 1 ) hour I was in the unit and the exam and XXXX are additional charges. The deductible was originally waived by XXXX XXXX and insufficient detail was provided by XXXX XXXX and AMCOL. Now, AMCOL XXXX has entered a collection amount of the {$150.00} by fraudulent means.
01/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48092	Web
Amcol has committed Aggravated Identity theft in pursuant to Federal Law 18 USC 1028a uses, Without lawful authority. Along with many other Federal violations under the FDCPA. According to 15 USC 1692g the consumer has a right to validate an alleged debt. On XX/XX/XXXX I sent out a validation letter via certified mail to Amcol, after seeing a collection for an alleged medical debt furnished on my Consumer report XX/XX/XXXX XXXX XXXX signed for the certified mail. On XX/XX/XXXX I received an alert from XXXX that Amcol System Inc. flagged my account with a collection on XX/XX/XXXX, without validating the alleged debt after receiving the validation letter and still marking it as collection but failed to send me the audit trail so I can exercise my rights as a consumer by validating the alleged debt. I also called XXXX Today XX/XX/XXXX at XXXX and spoke with XXXX XXXX he couldn't provide his last name but stated that he is on the XXXX XXXX XXXX he then confirmed that the alleged debt start reporting in XXXX and XX/XX/XXXX Amcol System Inc reflagged it which caused me to get an alert. Amcol is still furnishing deceptive information on all my consumer report causing many damages. An identity theft report from the FTC will be attached.
09/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80004	Web	Older American
This is a medical bill that was 100 % covered by my insurance. It just showed up on my credit bureau, as the only negative account I have. I called the collection company. The company being, AMCOL SYSTEMS@XXXX. XXXX XXXX XXXX, SC XXXX. This company was informed of my insurance company being responsible for this medical bill. I called them over and over about pursuing the bill thru my insurance company. When I saw this bill in collections thru XXXX XXXX, I called the insurance company again and was given some very upsetting information. The agent at my insurance company said that Amcol Systems REFUSED TO RECEIVE THE DOCUMENTATION PROVING THAT I WAS COVERED AT THE TIME OF THIS MEDICAL EMERGENCY!!! I am very overwhelmed with this since I care dearly about my credit and this one bill has brought my score down over 20 points. I am talking to an attorney now. This is so wrong!!! I have recently lost my husband, had a XXXX XXXX and XXXX XXXX XXXX. I am in a wheel chair, unable to drive so I have tremendous challenges both physically and emotionally. I am going to get the documentation myself and fax and mail it directly to the collection company. If this isn't resolved soon I will pursue legal council and file suit against AMCOL SYSTEMS.
08/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60565	Web	Servicemember
Children 's Hospital of XXXX ( XXXX ) sent a {$470.00} bill to collections with Amcol Systems that was paid in full through XXXX ( XXXX ). -The date of service for the original bill from XXXX was XX/XX/XXXX. -XXXX paid via Check on XX/XX/XXXX -I received monthly bills from XXXX. I called in to XXXX on some of those and was told to call back in 30 days if the payment still hadn't posted. -On XX/XX/XXXX XXXX sent a letter to XXXX on my behalf detailing that the claim in question had been paid on XX/XX/XXXX and my outstanding balance was {$0.00} ( There was another contact with XXXX sometime after the first conversation to check on the response from XXXX, but at that time they had been unable to get in contact with anybody at XXXX to explain that the debt was paid in full ) -On XX/XX/XXXX I received a letter from AMCOL systems attempting to collect this invalid debt. -I drafted a letter dated XX/XX/XXXX disputing the validity of the debt with AMCOL I am also submitting this dispute on XX/XX/XXXX with evidence of the actions taken above in hopes of resolution. I have since moved residences and changed insurance companies due to a job change and this has complicated efforts to resolve this illegitimate collection attempt.
01/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75104	Web
On XXXX, I received a notice of the claimed debt from AMCOL Systems, a copy of which is attatched. I never gave them permission to communicate with me to begin with. In this notice it was stated that AMCOL Systems was a attempting to collect a debt ad AMCOL Systems is a debt collector. On XXXX, I disputed the notice as a informed consumer who knows his rights and the Federal Fair Collection Practices Act and Fair Credit Reporting Act related to consumer privacy and statues. I instructed AMCOL Systems to cease collection of the debt. On XXXX, I received another notice from AMCOL Systems stating that they were closing the account. On XXXX, I sent AMCOL Systems an Affidavit of Truth stating everything that occurred and the violations of my rights as a consumer. The total amount of monetary relief was also stated in this affidavit with a time frame to resolve this matter. The actions of Amcol Systems of violating my rights as a consumer is not a small matter. By them closing the case is an act of admittance constitutes a civil liability on part of AMCOL Systems and I am invoking my consumer right to specified remedy. Im demanding compensation for each violation of federal law by AMCOL Systems of {$8000.00}
12/12/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WY 825XX	Web	Older American
I ran credit report today and my credit rating is dropped by over 100 points due to Amcol Systems report for alleged debt or {$970.00} has been sent to collections. The alleged debt was originated from " XXXX XXXX Emergency Room '', which is part of the University XXXX XXXX XXXX XXXXXXXX. I was treated for a severe XXXX XXXX, and paid for the emergency room before I left. Months later I received a billing which I took to that same facility and told them the amount was excessive. I did not have health insurance and was told the debt would be written off. At no time during my emergency room visit was I told about potential costs or additional costs that may be incurred while the doctor performed additional XXXX and such to protect from malpractice. The XXXX were not needed for treatment, and were only for malpractice protection and were not ordered by me. I moved from XXXX and Amcol Systems has NOT provided me with option to dispute this debt as required by law. Amcol Systems is attempting to collect a debt that is not owed, and has adversely affected my credit score which will cost me nearly 2.5 % higher interest rate which will be nearly {$400.00} per month higher interest cost on my home mortgage.
05/10/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 324XX	Web	Servicemember
- XX/XX/2023 AMCOL System, INC. sent me a letter stating I owe XXXX XXXX XXXX XXXX XXXX {$1400.00}. I called the day after to dispute my debt because after I checked the evidence of benefit from my insurance, the amount didn't match up. So, when I called they asked me to fax the evidence of benefit to prove the amount they presented was wrong. Additional to that, they informed me that I owed more money which I never received the bills from the hospital. Then I asked for an itemization of the bill. - XX/XX/2023 I faxed the evidence of benefit to AMCOL. - XX/XX/2023 I received another letter from AMCOL stating I had more debt. This time, it was {$720.00} from XXXX XXXX XXXX XXXX XXXX. Again, I have never received any bill, so I ask for the itemization for the bill. I also reminded them about the itemization that I have been waiting for from the last I spoke with them. I feel some thing is not right here when they want me to pay for the bills that I have never been billed for. Its more like scam. Yet, it is the debt collector that Ive never wanted to mess up with. I hope someone can help me sort this out. The total amount they said I owed was {$2400.00} which again Ive never gotten the bills.
11/15/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53105	Web
I received a notice dated XX/XX/2022 from AMCOL Systems , Inc. XXXX XXXX XXXX XXXX, SC XXXX regarding a debt from XXXX XXXX XXXX which had been the result of billing error that had been corrected by XXXX XXXX and should have been no longer placed with AMCOL Systems , Inc . I called on XX/XX/2022 and spoke to XXXX and then XXXX ( supervisor ) requested written verification/notice for my records that the debt was no longer with AMCOL Systems , Inc. and they refused to provide any documentation in writing to me regarding the history of this debt with their company. They stated they couldn't send me anything in writing since they " don't have a template for that. '' I expressed concern regarding them attempting to collect on this debt or take further action in the future and wanted documentation for my records, but they refused and refused to provide me with additional contact information at their company to talk to someone that could provide me with that written documentation. XXXX XXXX XXXX has provided me with written documentation via my billing statement, but the collection company refused to provide me with written verification that they were no longer attempting to collect this debt from me.
08/10/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75067	Web
I paid a debt owed to XXXX XXXX Emergency Room in XXXX 2016 directly to the emergency room online. In XXXX 2016 I received notification from XXXX that a new, unpaid collection was added to my report from AmCol. I disputed and the collection was removed. In XX/XX/2016 I received a letter that previous attempts to collect the debt had been unsuccessful. Several days later on XXXX XXXX, XXXX alerts me that I have an unpaid collection from AmCol on my report. I dispute directly with XXXX. On XXXX XXXX XXXX alerts me that the collection for XXXX is updated as a paid collection, in addition they reported the debt to XXXX. I have never heard of AmCol except for these two instances. I paid my debt directly to the emergency room. Under no circumstance should this be on my report, not only that but if AmCol was legitimately the owner of the debt they should have been aware the debt was unpaid and they tried to claim that they had not been paid. This is deceptive and appears to be an attempt to collect more money. As a result my credit score has suffered negatively dropping XXXX on XXXX and XXXX on XXXX. This is not a result of my negligence. I held up my responsibility to pay the hospital directly.
05/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78253	Web	Servicemember
My daughter is on my medical insurance, but she is an adult who is responsible for her own care. I have verified with my insurance company that having her on my insurance does not leave me financially liable for care she choses to receive as an adult. Furthermore, according to the debt collector my daughter provided the address of her mother, my ex-wife. So I have never received any notification or correspondence or requests to authorize treatment or pay a bill that I am aware of. I paid one bill for her for care received in XX/XX/XXXX and now they're expecting me to pay another for care in XX/XX/XXXX. They did not remove the old collection claim against me, though it is marked as paid. And they have kept the second claim against me in my name. I should not have a collection against me at all : again, I did not authorize treatment, I did not receive a bill, and the person who did receive treatment is my daughter, an adult who is financially responsible for herself. Furthermore, I've even tried to simply settle this on my daughters behalf, but the company says they can't remove a collection claim from my report. The collection company is AMCOL systems.
08/15/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 08021	Web
I received a letter from AMCOL stating that I owed {$490.00} for a hospital visit on XX/XX/XXXX. I was not in the hospital on XX/XX/XXXX and I had not received any prior letters from the hospital stating that I owed money. I also did not receive any letters from my insurance company stating they would not provide coverage. I wrote a letter to them explaining this and asked for verification of debt. In return I received another letter and a bill which was dated for XX/XX/XXXX. There was no mention of the incorrect date on the original letter. The bill also shows that the total amount was covered by insurance and that I did not owe any money. I called AMCOL to have the account closed and they refused so I asked for verification of debt again. I faxed them the bill showing them that it does not show I owe any money and still continued to call me to collect debt.I asked again for proof of debt and received nothing. I also wrote them another letter and copied the bill I was given asking them again to close the account or provide proof of debt. I still have not received anything and the account is still open and effecting my credit score.
07/17/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MI 48188	Web
after repeated attempts to contact collection company they finally called back. when I requested documentation showing this is a real and valid debt. they refused to provide it and said i had to chase it down. They are legally required to provide proof showing exactly what they are collecting for and when debts were incurred. I then told them to not call me back unless they can provide documented proof this is a real and valid debt and not some kind of scam. this XXXX XXXX then proceeded to tell me that she can call continue to call me everyday until i pay. she also told me she is going to report this on my credit report unless i pay within XXXX day. this is all without providing any proof i owe the debt. About XXXX weeks later i received another call from a XXXX who claims i never made the statement about only calling if they can provide the documents. she also tried getting me to pay without proof. i informed her that she can not contact me without proof and if they continue to harrass me i will contact a lawyer about these tactics. they were pushy and rude and i feel this is a scam to trick me out of my money.
08/30/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 752XX	Web
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by Amcol System Inc. Amcol System Inc. does n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they supposed to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. So, I checked the Secretary of State Texas Debt Collections Division website and found out that Amcol System Inc is breaking : " Texas Finance Code section 392.101 which prohibits a third-party or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtained a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another Investigation to remove them from my credit report, please. In fact, I need all account that they have in their office under my given social security number and first & last removed.
05/10/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75094	Web
Have been making payments to XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX , XXXX , Texas for 2 years. I have the bank statements to prove this. Have not received a balance statement or acknowledgement of my payments. Have continued to pay monthly without fail. Called to check on the balance and XXXX XXXX XXXX said they did n't have my account. Gave them the acct number the payments were designated for and posted on the check. They said they turned the acct over to a collection agency a year ago. I have no indication that they had done this nor have I received any written notice from the " supposed '' collection agency, Amcall. Neither office can tell me who has been receiving and cashing my checks for two years. Amcall has spotty payments and XXXX XXXX XXXX says they do n't have any because a year ago it went to Amcall. However, I have been paying for two years. This seems to be a complete scam with neither party providing any written notices or verification of the debt. On top of this they have hurt my credit rating with undocumented collection claims
11/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	SC 29527	Web
On XXXX XXXX, 2015 I paid a debt of {$98.00} XXXX, ( with a XXXX ), for an outstanding balance due. It was finalized on XXXX XXXX. So last month when I was checking my credit report, I disputed this charge because it had been paid month 's ago. The dispute was acknowledged by the company at which time they posted it as an existing outstanding balance again and this time it was reported to XXXX as well as XXXX as such and has lowered my credit score because of this. I contacted XXXX personally today and they showed where this debt was paid on the dates listed above. I then called the billing department with XXXX as well and she acknowledged it had been paid as I had stated. She stated that she would be contacting AMCOL to have them remove this item. However, I am very upset that this has become an issue and feel as though I am being negatively impacted by the poor and unethical reporting processes conducted by this company. I want this fraudulent information removed from my credit report immediately and my credit for this matter repaired. I am hoping you can assist me with this.
11/11/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77044	Web	Servicemember
The financial obligation levied against me was due to a emergency room visit to a XXXX XXXX XXXX XXXX, for an elevated XXXX XXXX, whereby no adequate treatment was provided. The debt is currently being disputed with the original creditor, in addition to an open investigation XXXX XXXX XXXX XXXX of Texas for possible violations, and an open Federal Trade Commission Consumer Complaint for unfair trade practices against XXXX XXXX XXXX. I have contacted AMCOL on two separate occasions, first on XX/XX/2019 and spoke to XXXX, and on XX/XX/2019, spoke to XXXX. On both occasions I was told the dispute was submitted and I would be informed of the results, and at no time I given any specific instructions regarding the dispute process into this matter - instead of being informed of the results or given any path to a resolution, they instead, placed the negative information on my credit file. I have been very proactive in trying to reach a resolution to this matter, only to be blindsided by the deception that has been projected by AMCOL in their collection practices.
07/11/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29464	Web
When I checked my credit score on XX/XX/XXXX there was two account with doctors care posted to my score stating about collections from this company. With no prior knowledge of the debt after working with XXXX XXXX directly back in XXXX trying to get an insurance issue resolved I contacted the company and asked why I was never contacted and that the files where placed on my profile with out the chance of trying to resolve the issue before hand. They stated that they send me a letter and called me 10 times but I have record that no one ever contacted me. And also when I contacted them on XX/XX/XXXX I gave them the new information about my insurance to refile and was told I would be contacted within 24 to 48 hours with a resolution. I had to contact them on XX/XX/XXXX to follow up on the progress and was told that they did n't have all the information they needed to file the insurance. AMCOL have a record now of lying and a lack of contacting you to try and resolve the debt almost as if they do n't want you to pay the debt and take you to court.
12/19/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76010	Web
Below is from my credit report stating that I owe when I was already moved out I called the apartments they tell me that its not them and that they can not take it back. Everything below this statement is in error and I hope you can help. Please and ty in advance. XXXX XXXX XXXX Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$850.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX $ 0 Monthly Payment {$850.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$850.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1900.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1900.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1900.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount
07/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76034	Web
I was treated at XXXX XXXX Hospital ( " ER '' ) as a result of a motor vehicle accident. I received a bill for {$1600.00}. On XX/XX/18, I paid {$1600.00} online to ER and received a receipt reflecting the same. On XX/XX/18, I received a letter from AMCOL Systems ( " Debt Collector '' ) attempting to collect {$1600.00} on behalf of ER. I contacted Debt Collector via telephone but was unable to speak with a live person. On XX/XX/18, I mailed a letter to ER and Debt Collector providing a copy of my bill, receipt stating the bill was paid in full on XX/XX/18, and a copy of the collection letter sent 37 days after my bill was paid in full. I also disputed the validity of the debt and requested debt verification under the FDCPA. No response was received. Yesterday, I received notification from my credit monitoring service that this account was formally " in collection '' on my credit report and three major FICO scores dropped 58, 50, and 40 points as a direct result. I have written proof of everything that has occurred.
06/25/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75007	Web
I have been harassed by AMCOL for a debt that I do not owe. The hospital where I was admitted ( XXXX XXXX, 2015 ) incorrectly coded the visit which caused a rejection by the XXXX XXXX XXXX XXXX. I called XXXX and opened a case number. This was last year. I contacted XXXX XXXX XXXX and they admitted they never sent me a bill or I would have known to dispute the claims. The Doctors at the hospital falsified their reports which has caused all of this in the first place. I never heard back from XXXX XXXX Hospital or XXXX since I contacted them over 6 months ago to try to resolve this issue. I engaged an attorney to get AMCOL to leave me alone, and they would not stop harassing me. I threatened to sue them, and that is when they put this against my credit without resolving it with the people who engaged them. I have a copy of the hospital report, and the original claimant 's name is not on it. Again, they never sent me a bill regarding any of this, they sent me to a Collection Agency to harm my hard-earned credit.
07/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH XXXXX	Web
I have a a unverified account from AMCOL SYSTEMS INC. I had previously disputed this account. I have never done business with AMCOL SYSTEMS INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMCOL SYSTEMS INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMCOL SYSTEMS INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
07/13/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48185	Web
Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
06/27/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	AR 72701	Web
I 've been looking into my credit reports daily. Mainly because I 'm tired of being contacted by different companies regarding the same medical bills when I ha2d insurance coverage.They have noverlapping accounts on my credit reports. For example XXXX XXXX ( orginal creditor ) sold my account to XXXX XXXX, so why are they both contacting me. And AMCOL SYSTEMS INC is continuing to attempt collections on dates of service that matches PROFESSIONAL XXXX along with identical monetary claims. I 've been told by AMCOL SYSTEMS INC If not paid asap that I would go to jail. They are claiming ammounts of upwards of {$8400.00} for an XXXX visit. They 're are collection 's for services rendered when I was not within XXXX miles of the area. I 've had my state tax returns garnished, then there it is listed on an open account. It 's outrageous that the burden of the proof be on me when companies like these are ruining my credit by using illegal tactics such as fraud, then violating my rights as an American citizen.
07/10/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85339	Web	Older American
I visited the ER at XXXX XXXX on XX/XX/XXXX. I paid the {$250.00} co-pay at that time and I have the receipt. I received a billing notice for {$250.00} from XXXX XXXX and called them on XX/XX/XXXX and explained to XXXX/patient service rep that my {$250.00} co pay was paid at the time of my ER visit. She said she would correct their records. I received a letter dated XX/XX/XXXX from AMCOL Systems ; a collection agency stating I owed XXXX XXXX {$250.00}. I immediately sent them a copy of my receipt with proof the {$250.00} co pay was paid through my health savings account. I received another letter from AMCOL Systems dated XX/XX/XXXX stating I still owed this amount, along with an itemized bill from XXXX XXXX. I called AMCOL Systems on XX/XX/XXXX and spoke to XXXX. I explained my situation to her and she kept telling me that they are trying to collect a debt. I kept telling her there is no debt as I paid my copay at the time of my ER visit. This collection is now on my credit report.
02/07/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NH 032XX	Web
I've had extreme difficulty paying my bills for XXXX XXXX XXXX XXXX XXXX Nh and it's parent company XXXX XXXX for years. I can give you the details of those years if needed. Many times I've had payment plans and paid til they wouldn't take anymore money and this has happened several times. Last year the hospital had me make payments to XXXX different locations and I did til they were paid off but it was a kinda flimflam because I never knew what the bills were for or if valid. Today I get a letter from one of those agencies AMCOL but never got a bill and I was caught up. I strongly suspect fraud. Trying to call these people is useless and impossible to resolve anything. If they have XXXX non collection account that I can make payments we should all be happy but these people won't do it. I am willing and able to make payments, all the extreme difficulty comes from these related companies. When I saw this letter I've had it with their scams and need help. Should I contact the AIG? XXXX XXXX XXXX
12/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 91768	Web	Servicemember
I was seen at XXXX XXXX XXXX XXXX (XXXX, OK) in the emergency room XX/XX/XXXX. When I was seen there I gave them my VA medical card. The hospital never sent me a bill or reached out to me for payment. A company ran my credit and told me I had something in collections in XX/XX/XXXX. That was the only way I knew something was negative on my credit. I was never contacted by XXXX XXXX or AMCOL, the collection agency that XXXX XXXX sent my bill to. I have since contacted XXXX XXXX and they apologized and told me a mistake was made, they had me as a "no insurance" patient and sent it my bills to an address I had in XX/XX/XXXX! The amount with AMCOL Systems Inc- $XXXX. I'm a Veteran and have been dealing with he VA billing department and XXXX XXXX billing department. I was told this was taken care of. It should not be on my credit report. I have spoken with AMCOL in XX/XX/XXXX and made 1 payment ($300). But I was told by the VA not to pay on it any longer. It's been taken care of.
05/09/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89511	Web
I was attempting to get a loan for a new house, when the lender informed me that my credit had dropped from XXXX to below XXXX and that I may not qualify for the loan. finding that Amcol systems collection agency had been sending a medical bill invoice to the wrong address for many months and attempted to call a 12 year old d isconnected numb er. I have no problem paying the bill and it has been taken care of. However may complaint is that I requested for AMCOL to remove it from my credit report as it was their fault in destroying my credit. " two of their employees told me that do n't do that and I could go pound sand '' This company is rude, and has no respect for someone with great credit, that was destroyed by their company and their lack of professional work ethics. the loan company is reviewing my credit information now and I may be denied a loan for a home of my dreams due to this company refusing to remove a bad debit that was created by a w rong address.
03/28/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TN 37128	Web
On Saturday XX/XX/2021 we were notified that our account with XXXX XXXX XXXX XXXX XXXX was closed. After inquiring with the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, we were notified that, although we were set up on a payment plan and making monthly automatic payments as agreed up until XX/XX/2021, the account had been turned over to collections. On XX/XX/XXXX, I contacted the business by phone and was told that the account had accidentally been placed with collections and that their system sometimes does not recognize payment plans if they are set up online. I was also told that the error had been corrected and I would receive a call to re-set up the payment plan and that I would not need to do anything further. We never received a phone call. On XX/XX/2021 we received a letter from a collections agency, AMCOL Systems, letting us know that the account has been turned over to them and we have 30 days to dispute the validity of the debt in writing or judgment will be taken.
01/31/2020	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	IN 47274	Web	Servicemember
On or about Monday XX/XX/2020 I received mail that just had a P.O. Box number from XXXX, SC XXXX addressed to me and upon opening it I saw 4 sheets of paper the first one Had XXXX XXXX XXXX ( which is a hospital in Indiana that I have been corresponding with ) it said RE : patient XXXX XXXX Account number ( it had 2 ) date of service and balance. It asked for 7 different proofs of financial information and had XXXX XXXX address at the bottom. One had my address and the others were asking for personal info. There was not a letter explaining it came from a collection agency but I found it strange that XXXX XXXX hadnt inserted a letter explaining it was from them so I looked the address and discovered it came from Amcol debt collection. I knew the name because they are reporting on my credit reports. This was as dishonest as it gets. Im not sure if XXXX XXXX allows this but if they do thats not right but honestly I dont think the knew because they already have my info.
06/26/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 27502	Web
I recently discovered today which is XX/XX/XXXX that I have a credit collections bill from a medical bill that was issued in XX/XX/XXXX with a balance of XXXX dollars.I discovered this by checking on my XXXX XXXX. I called the credit collections ( amcol XXXX sc ) and spoke to customer service said they have called which they have n't. I never received a bill in the mail by collections or XXXX XXXX in regards of having a overdue bill. I called the XXXX XXXX in XXXX north Carolina billing department to see the details of bill, the lady on the phone could not give me any information because the bill was 3 years ago. So I decided to call the head of billing and they said they would mail me the billing information that would come in a day or two.but I am certain that I have already paid the ramander of the bill since I did not have insurance at the time. I want to make sure everything is right before I have to pay for something I already taken care of years ago.
11/09/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IN 46060	Web
Contacted on XXXX to make payment on an account. Accepted payment of $ XXXX and I provided them banking information and they accepted the payment. They called back 10-15 minutes later and said they could not accept that amount anymore and I needed to pay {$17000.00}. Debt collector had told me that by paying the $ XXXX it would be removed from my credit. When I called back and spoke to manager she stated they can't accept the $ XXXX anymore and they would not remove it from my credit. I have 3 letters from them stating to pay the {$12000.00}. Transaction ID XXXX. I asked to speak to someone else higher up and she refused. They are extorting clients and making false promises. They created a contract by accepting the {$12000.00} and stating it would take care of it and be removed from credit then once I paid the story changed. This company should not be in business. Unfair, unethical, and illegal practices to extort money out of patients.
11/03/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 335XX	Web	Older American, Servicemember
XXXX, received a call from Amcol Systems ( caller ID ) asking for my wife to discuss a business manner. I said she was at work and I was her husband. She started to fish for info ( after identifying herself as a collection agency rep ). I said wife was at work and XXXX gave me a number to call ( XXXX ). After speaking with my wife, I called the number back and asked for XXXX. She said call was being recorded. When asked for written verification of the debt, Amcol Systems rep. XXXX said their protocol did not provide for written verification of debt. I reminded XXXX that this was part of the Fair Debt Collection Practices Act. Instead, she gave me a list of amounts ranging from {$10.00} - {$200.00} and dates filed by XXXX XXXX. No other info was available except for XXXX phone number to call. She could not identify what the debts were for, just date and amount. WE were to call XXXX XXXX if we needed any more info. Thank You, XXXX
06/16/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MI 48322	Web
Regarding : AMCOL SYSTEMS is contacting me at inconvenient times and places. They are contacting me before XXXX XXXX., and after XXXX XXXX. I never agreed to it. These repetitious phone calls have annoyed my family and myself. AMCOL SYSYEMS has also used obscene and profane language and threats regarding this debt that is not mine. They are also blocking their number and calling me without telling me who they are. In addition, they have also stated that they are an attorney, making threats to arrest me, garnish my wages, bank accounts, and sue me. AMCOL SYSTEMS has also contacted family members and co-workers of mine more than once trying to collect this fraudulent debt. AMCOL SYSYEMS has discussed this account and my personal information regarding this debt, harassing others trying to get me to pay this debt. AMCOL SYSTEMS fails to respond to my verification letter by certified mail as well as my cease and desist letters.
12/21/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 43219	Web
I have an unverified account from AMCOL. I had previously disputed this account. I have never done business with AMCOL. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMCOL Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMCOL Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
04/28/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27610	Web
For the past 6 months i have gone back and forth with a company that placed a collection account on my credit. I tried to call them only to be hung up on when i requested a manager. Then when i sent them a letter in the mail by way of return receipt, which they received it appears they want to now retaliate and have added another collection account on my credit. I sent them another certified letter on XXXX XXXX and i still have not heard back from them. I have now contacted the Federal Trade Commission and the Attorney General Office. I will not be bullied into taking ownership of something that was not originated by me and i was never sought out first about the debt they just placed it on my credit which is a violation. I plan to exercise my rights pursuant to the FCRA in Federal Court in the accounts are not removed by XXXX XXXX . I found an Attorney that has already sued them before in the past and won.
11/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77042	Web
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to AMCOL which was received on XX/XX/XXXX at XXXX. The letter an affidavit was sent requesting proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. AMCOL Systems also has failed to provide and Health and Portability Act release form or ( HIPPA ) pertaining to this matter AMCOL Systems has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of AMCOL Systems. AMCOL Systems is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
02/21/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 75035	Web
My daughter was taken to Texas XXXX due to a XXXX that she obtained during a basketball game in XX/XX/XXXX. As her parent, I was asked if I wanted a XXXX to be conducted. I advised that I did Not if the cost would not be covered by my insurance. My daughter was then taken from the room with no communication to me that a XXXX was being performed. I later received a bill from Texas XXXX for {$1500.00} in which I called to dispute and was informed to submit a dispute online. I later called to follow up on the dispute and spoke with an billing agent whom communicated I did n't have to take any action while the matter was being researched. I never received results of the escalation or additional billing. I however, did receive notification from a Collections Company dated XX/XX/XXXX. My concern is erroneously damaging my credit report and pursuing collections on a charge that I disputed and should not be liable for.
10/26/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75023	Web
I was separated from my husband and didnt receive a bill for one of our sons ER visits. We are both responsible for his hospital bills but it ended up on my credit report. Ive tried to dispute it with the credit agency and collection agency. I paid the collection as soon as I found out about by pulling my credit report. Which was by also getting money from my ex as he is just as responsible. Its only because my son is on my insurance that it was under my name. This is the only thing on my credit report EVER. Before this my score was in the 800s. Now its in the 600s and causing issue when I try to buy a home. I just dont think its fair that this is impacting me when if I knew, I wouldve paid immediately. XXXX has already removed it from my report. Im asking for help in removing from XXXX and XXXX as well. XXXX XXXX {$630.00}, reported XX/XX/15 XXXX XXXX {$960.00}, reported XX/XX/15
02/28/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IN 46237	Web	Older American, Servicemember
I am in a XXXX Savings Program called the Qualified XXXX Beneficiary ( XXXX ) Program. XXXX providers aren't allowed to bill for XXXX-covered items or services. Since XX/XX/XXXX, XXXX XXXX XXXX Hospital, XXXX XXXX XXXX, IN, has been sending me a bill for {$380.00} for an attendant XXXX physician. In XX/XX/XXXX, XXXX XXXX sent this illegal charge to a collection agency : AMCOL SYSTEMS INC Type of Industry : Other Collection Agencies Account Number : XXXX Address : XXXX XXXX XXXX XXXX SC XXXX Phone Number : ( undefined ) undefined where it has appeared on my credit report since, decreasing my credit score and preventing me from obtaining credit. I made numerous attempts with XXXX XXXX Hospital to bill XXXX and they refused. I have contacted the collection agency and they refuse to remove this report. The culprit here is XXXX XXXX XXXX Hospital, XXXX. My XXXX number is XXXX
11/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93311	Web
On XX/XX/2018, I sent a letter of validation to Amcol Systems Collection Agency. On XX/XX/2018, Amcol Systems returned to me a document that shows an account with my name on it and an address in which I have never resided at. I requested that they send me a signed contract or a hospital registration with my signature from the original creditor. They have not provided me with any proof that this debt belongs to me. On XX/XX/2018, I sent a letter of removal demand. This item has not been removed from my credit file and is still being reported even during the entire dispute process. On XX/XX/2018, I sent a 2nd request of removal letter. Request is still being ignored. Please see attached : Due to website issues, I am unable to successfully upload my supporting documents at this time. Please contact me with an alternative method. ( fax number or email address )
03/14/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IN 46203	Web
Due to inaction on the part of my Dr. 's office to set up a payment plan as we agreed to, the last part of my bill was sent to collections. I received the letter Saturday, XX/XX/XXXX, and began attempting to contact them today XX/XX/XXXX. I have made at least 6 calls and each time after sitting on hold for 13 minutes, it hangs up on me. Once or twice it acted like someone had picked up, but then no one was there. Their client portal site caused my XXXX browser to display a safety warning and advised me to not enter any personal data as the site is not secure. Clicking the pages to open the portal does nothing as well. There are other reports on their XXXX reviews saying the same thing about being on hold and then hung up on. I believe this is intentionally done to make it difficult for debtors to pay off their debt. It seems predatory and should be illegal.
06/30/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	SC 29910	Web
On XXXX XXXX AMCOL SYSTEMS INC told me I owe {$45.00} than another rep told me I only owe {$10.00} of the account that was originally {$45.00}. So I paid the account in full and it was closed. On XX/XX/XXXX I called AMCOL SYSTEMS INC an was told I owe a total of {$180.00} on one account. On XX/XX/XXXX I called back an paid {$82.00} and stated a payment plan. The payment plan was {$20.00} that would equal {$100.00} and was to be bi-weekly tel paid in full. The out come was that all three account were closed and reported as closed to all credit bureau. On XX/XX/XXXX I requested a free credit report from all three bureau. I notice that AMCOL SYSTEMS INC reported all three accounts paid/closed to XXXX and than reported the incorrect information to XXXX. I have been trying to fix this problem withAMCOL SYSTEMS INC and to have the account corrected.
06/29/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 77077	Web
This is a formal complaint against XXXX XXXX XXXX XXXX ( XXXX ). A visit to emergency room was covered under insurance and a claim was filed with my insurance company ( XXXX XXXX XXXX XXXX, Texas ). Insurance company requested additional information before they could make a payment. XXXX ignored the information request and reported the account as delinquent to a debt collector. XXXX never sent me a bill of any outstanding balance, nor did they inform me about claim denials. First contact on the balance was from a debt collector asking to pay up the entire amount. When I protested I was told to talk to my insurance provider as if it was their mistake. Spoke to XXXX and they said they have n't sent anything to the insurance company and that my account should never have been marked as delinquent or reported to the debt collector.
01/29/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
My name is XXXX XXXX XXXX. I have previously asked Amocol for validation of these alleged debts and accounts on XX/XX/2018, XX/XX/2018 and XX/XX/2018. Twice they have ignored my validation requests that were requested through the the XXXX major credit bureaus for 3 different accounts for amounts of : {$180.00} {$1200.00} {$920.00} I have attached the credit bureau disputes for XXXX and XXXX. I have asked for original documents or contract with original signatures for this. I have asked for a chain of title if account was purchased from another company. And if this is any kind of medical bill or records being shared with a non medical company without my written permission that has to be a HIPAA and FCRA violation. I am asking that these accounts be " validated '' or immediately deleted from my credit bureaus.
01/12/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75070	Web	Servicemember
XXXX ER visit to XXXX XXXX ER XXXX. Insurance filed incorrectly, so processed out of network. XXXX XXXX XXXX ER failed to send the additional medical records requested by my insurance company. XXXX XXXX turned over to AMCOL collection agency and XXXX XXXX XXXX filed bankruptcy. I never received notice of debit. I discovered it on my credit report when I applied for a home loan. The collection agency is offering to settle for XXXX, but no less. I have asked them to provide me this in writing, which I still believe is unfair and had XXXX XXXX ER submitted the necessary paperwork to my insurance this bill would have been paid. There have been law suits filed against XXXX XXXX ER by others regarding the above unfair practices and failure to inform patients. I have also filed a dispute with the 3 credit bureaus.
06/01/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77086	Web
AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney This original creditor was XXXX XXXX during XXXX of XXXX. I was in automobile accident and was treated at XXXX XXXX recommended by my attorneys. XXXX XXXX had been paid in totality after the settlement of the accident and we were in communications with them prior to them selling the account to Amcol Systems. I do not owe anything to XXXX XXXX and or Amcol Systems and their negative presence on my credit report is negatively affecting how I am viewed to lenders and my score. I am asking that they be removed from my credit report all together.
01/09/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OK 737XX	Web
I have never been contacted about this bill from creditor, Rickman And Rickman, so I need see the this bill or at least get some correspondence from them on this before it is added as a unpaid collection on my credit report, any help would be greatly appreciated, if I actually owe this debt, I will pay as soon as I get a address to pay it, as I have stated I have no knowledge of this bill at all, as Rickman And Rickman have never contacted me at all, can they at least make a attempt to contact me before putting it into collections??? If I owe it I will pay it ASAP, but what I do not understand is there has not even been 1 attempt to contact me before putting on my credit report, please send me all the information, account number, and who and where to send the payment if owed by me. Thank You XXXX XXXX
11/29/2017	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	TN 383XX	Web
The company is Amcol Systems collecting on some medical bills of my XXXX husband. In XXXX of this year I set up a payment plan of {$25.00} a month which is hard to pay most months being a single mother. At the beginning of XXXX I called the company and told them I needed to miss that months payment due to not having the money and the man I spoke with told me if I did n't pay the payment they would garnish my wages and take anything they could take to make the payment, so I just borrowed the money and payed the payment. On XX/XX/XXXX I called and told the lady that answered that the payment may be a few days late and she stated that If the payment was n't made by XX/XX/XXXX that I would forfeit my payments agreement with them and would then be liable for the whole amount of the bill in one payment.
09/23/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32210	Web
This collection agency has entered a negative account on my credit report with all three bureaus. The address listed on my credit report for this agency does not match the licensing information on file with The Florida XXXX XXXX XXXX XXXX. This agency is in violation of Florida Statute 559.547 which states " 559.547 Void registration. ( 1 ) Any registration made under this part by any person or commercial collection agency based upon the presentation by such person or collection agency of false identification or information, or identification not current with respect to name, address, and business location, or any other fact material to such registration shall be void. '' As such, their authority to collect in Florida is void, and this agency is illegally pursuing collection activity
01/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89512	Web
every time I call the so call ed people saying I owe the this debt they keep hanging up on me.i never once received anything in the mail saying I owed the multiple debts.. and there are 2 collection agency 's trying to collect a debt from the same place it seems like everyone I check my credit new accounts pop up and places I never herd of or scene and I have medical insurance amcol systems inc {$3000.00} opened XXXX XXXX XXXX {$1100.00} opened XXXX XXXX XXXX XXXX {$1200.00} opened XXXX online information {$1100.00} opened XXXX XXXX XXXX XXXX {$1100.00} opened XXXX XXXX XXXX XXXX {$710.00} opened XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} opened XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} opened XXXX XXXX XXXX XXXX {$210.00} opened XXXX XXXX XXXX XXXX {$130.00} opened XXXX
02/11/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 440XX	Web
My XXXX Credit Repot has a Amcol Systems Inc. reporting a debt from XXXX XXXX XXXX for a debt of $ XXXX. I had a case in litigation in Nevada Appeal No. XXXX Claim # XXXX which just settled and I was waiting on a settlement check from XXXX XXXX. I was just able to cash the check and had planned on paying the bill owed in the case until I saw that Amcol Systems had lowered my credit score by the information they place on my credit report earlier. I do not believe they should have been able to place anything negative on my credit report while the case was in litigation. Until they had contacted me and understood the case was in litigation. I believe they violated the Consumer Protection Act. with their reckless acts and have put adverse affects on my credit report.
08/18/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 490XX	Web
XXXX XXXX this account appeared on my credit report for {$1600.00} referencing the XXXX XXXX of XXXX XXXX XXXX. I have requested verification, through disputing, of this medical bill from Amcol Systems Inc. and I have received no response. Then I hired XXXX XXXX to dispute and request verification with no response. In early XXXX XXXX the account was taken down to a zero balance but the account remained on my report ; then XXXX XXXX, XXXX the account went from a XXXX balance to {$2200.00} with no explanation ; still just a reference to XXXX XXXX XXXX. The date of the reporting date still remains as XXXX as if the {$1600.00} suddenly changed to {$2200.00}. I would just like to receive some type of clarification for the {$1600.00} and now for the {$2200.00}.
10/03/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53405	Web	Servicemember
I received a debt collection letter from AMCOL Systems in regards to a debt owed to XXXX XXXX XXXX. The letter did not include any information on the dates or services of this debt. I have been on a payment plan with XXXX XXXX for the past few years regarding all bills I have received. I have called them consistently to update my account and adjust my payment plan as needed. I spoke to them as recent as XXXX XXXX XXXX to make sure I was paying on my account and to adjust as needed so when I received this collection letter from AMCOL I wasn't sure if this was a scam or what to think. I contacted XXXX XXXX as well as AMCOL to dispute this debt as I have been paying on my XXXX XXXX account through direct deposit. I am waiting on documentation from XXXX XXXX
08/02/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85041	Web
Company - XXXX XXXX XXXX Provided - XX/XX/XXXX I provided my health insurance, paid co pay and was never made of aware of any debt still owed after the service was completed until a collections agency contacted me XX/XX/XXXX in which my credit score decreased. I called and disputed the amount and the lack of statement/bill being sent to me and asked for proof of statements sent and request was not honored leaving my hands tied with a debt that could have been paid without sending to a collections agency. XXXX XXXX then moved the collections to AMCOL Systems a collections agency. That company was also called and informed of the dispute and was not willing to assist in the debt or lack there of any statement being sent to me to verify the debt.
03/25/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29526	Web	Servicemember
A third party collection agency had a debt listed on my credit report. I research, the alleged debt, it was from XXXX XXXX and for the amount of {$57.00}. I am a responsible adult, i pay my bills on time, and would have paid a medical bill for {$57.00} if i had received notice or invoice for it. I don't recall receiving either, or have i been told what the debit is for. I have no financial agreement with this company, no contractual agreement, nor do i understand how they have the right to have this item listed as a collections account on my credit report, which has now caused me to be denied credit. I've reached out to this company several times through via mail, USPS, and I've called their contact number listed on the website.
09/12/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77429	Web
I paid my account from XXXX XXXX XXXX in XXXX after being sent to a collection agency without my knowledge. I paid the full amount we agreed on and that document was sent to me in XXXX showing the account was PAID IN FULL by Amcol Systems. Now they have sent this fully paid account to another collection agency with a different amount and name without the original account number. The original location was closed a few months later and no account number shows from my only visit in XXXX. This is illegal and I told the Rep that it has been paid and he still tried to collect money. I am not paying for what was settled. Please stop XXXX XXXX XXXX and XXXX XXXX from harassing me for an account paid in full.
12/24/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29229	Web	Servicemember
Amcol called to say i owed a debt to XXXX XXXX for my daughter. I stated i never received anything saying i owe the debt and i was disputing it. I was told they are notifying me now. They continued to argue me down about the debt even after i said i do not owe a debt. Insurance and the clinic realized the inaccurate information and i was suppose to receive a final bill. I never did and assumed since i pay all co pays at time of service the inaccuracy was resolved. Amcol called at 8 am christmas eve. I spoke to XXXX and then a supervisor XXXX who refused to assist because i wouldn't give my personal info out again. They claim i owe XXXX dollars and some change. Stated I'm unable to dispute the debt.
08/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI XXXXX	Web
I received telephone calls from a collection agency call Amcol not knowing what the debt was about because they refuse to give me any information in reference to whats being owe, scams of identity have already occur on my credit report and sent to wrong address. I file bankruptcy and all information is public record. Amcol say that they have information, what is it! I have been rebuilding my credit and with patience and paying on time XXXX XXXX score was XXXX was XXXX and XXXX XXXX now all three is below 622. I don't have a problem in paying what I owe just talk to me, without abusive behavior of threatening me, trying to intimidating because of the power the three bureau 's has given them over me.
10/01/2018	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	FL XXXXX	Web
Filed dispute with XXXX for two ( 2 ) transactions for XXXX each for Amcol Syst. These are supposedly collections for XXXX XXXX XXXX. The two amounts in question were removed by XXXX XXXX XXXX based on information provided to them via phone and fax in XXXX on XXXX. They advised I would be relieved of the amount owed and it would be considered a XXXX balance. XXXX never sent a further bill. On XX/XX/XXXX, I was notified of two ( 2 ) collections items being reported for the above mentioned items. I filed a dispute and equifax simply verified the name and address and said it was valid. No actual investigation was done. To date, I have not received any correspondence from someone called Amcol syst.
02/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48092	Web
I have New and Updated information about Amcol Systems LLC Amcol is violating my federally protected rights as a consumer. I asked them for an audit trail along with any HIPPA authorization. They sent back statements with personal medical procedures, which is irrelevant to what I asked for. I have the rights to an proper investigation which Amcol has failed to do so in 30 days, the alleged amount of the alleged debt keeps changing. They are also in violation of my rights to cease and desist all communication from all Mediums, they are still reporting on my consumer report and contacted me after asked not to do so. I also sent an Affidavit and a notice to cure that they have failed to respond to.
04/29/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	SC 29483	Web
I sent Amcol a certified letter requesting that they validate this debt they are attempting collect and is stating that I owe. Under the FDCPA I as a consumer have the right to request information to prove that I indeed owe the debt and the said amount. I have attached a copy of the certified receipt that is signed by XXXX with Amcol. I have yet to get the information necessary for them to have before they can legally report or collect this debt. As of today XXXX/XXXX/2015 Amcol is still reporting invalidated debt that is detrimental my credit score and is defamation of my character. please look into this company 's deceptive practices and help me to resolve this matter quickly and efficiently.
02/03/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	LA XXXXX	Web
I was injured while attending a training for my employer. out of town. I tripped over a medal strip while exiting an airplane. I filed a workers comp claim with employer. My doctor sent me to get therapy for my XXXX, which turned out to be a XXXX XXXX injury. My insurance XXXX paid the claim initially according the their rep ( XXXX ) Then workers comp claim paid also. but still sent my name into collection. Louisiana 's Workers Comp Rep was angry because I injured myself and did not wait for her to assign me to be seen by one of her preferred doctors for evaluation. This is a total retaliation from workers comp rep and the doctor they use to evaluate workers comp patients.
06/27/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MO 63368	Web
A third party collection company is reporting an alleged debt to the credit reporting agencies. They never sent a notice of attempt to collect or right to dispute, nor any communication whatsoever. I only learned of the activity while checking my credit score. Also, they are reporting the same alleged debt XXXX and attempting to collect XXXX for the same alleged debt, which is related to a medical bill which was previously paid by insurance then reversed recently after my former employer illegally rescinded the policy and retroactively cancelled coverage by more than a year. The matter is currently under investigation by the EEOC, USDOL, XXXX and pending civil litigation.
07/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 37128	Web
I received mail from AMCOL SYSTEMS saying I owed a alleged debt. AMCOL SYSTEMS listed XXXX XXXX XXXX as the original creditor. AMCOL SYSTEMS is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 2 ) stated that the consumer owes any debt. AMCOL SYSTEMS is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 5 ) any language or symbol on any envelope or communication indicating debt collection business. XXXX XXXX XXXX XXXX is in VIOLATION Pursuant to Title 15 u.s.c 1681a ( 3 ) Restrictions Of Sharing Medical Information & VIOLATION Pursuant to Title 15 u.s.c 1692c ( b ) Prohibits Communication with anyone except consumer, consumers attorney, or credit bureau concerning the debt
11/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OK 740XX	Web
I received an email alert that a new account was showing up on my Credit Report, XXXX XXXX XXXX as to a new collection Account. The Account is AMCOL SYSTEMS FOR A MEDICAL BILL OF {$890.00} AND THE ORIGINAL CREDITOR IS XXXX XXXX, THIS ACCOUNT HAS BEEN PASSED AROUND TO ABOUT 5 DIFFERENT COLLECTION AGENCIES, AND I HAVE TO DISPUTE WITH THE CREDIT BUREAUS EACH AND EVERY TIME, IT NEEDS TO STOP AS XXXX XXXX HAS EVEN SENT A LETTER TO CEASE COLLECTION ACTIVITIES AS POLICE REPORTS ARE ON FILE AS WELL AS NOTARIZED IDENTITY THEFT AFFIDAVIT. THIS NEEDS TO STOP IT HAS COST ME THOUSANDS OF DOLLARS TO ADDRESS IT EACH TIME IT POPULATES WITH A DIFFERENT COLLECTION AGENCY.
08/20/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 08053	Web
I have a collection company ( Amcol Systems Inc ) who appears to have purchased medical bill debts from many years ago that was paid through health insurance ( XXXX ). They just started reporting to the bureaus XX/XX/XXXX and plan to continue reporting until XX/XX/XXXX. I have attempted to reason with Amcol and explain to them that the information they have is incorrect and when that did n't work I disputed it with XXXX and XXXX. They both came back saying that it meets the requirements of FCRA. I am working very hard to repair my credit and this is having a very drastic effect on my life. Please help me as I have run out of options. Thank you in advance.
05/06/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 27604	Web
I owed a medical debt to XXXX XXXX XXXX. They reported this matter originally to XXXX. XXXX lost the contract with XXXX XXXX and the debt was turned back over to the hospital. Once that was done, XXXX XXXX contacted me. I immediately paid this collection matter with the hospital. XXXX has agreed to delete this from my report. XXXX XXXX contracted AMCOL to collection their accounts. For some reason AMCOL started reporting a debt that I paid prior to being sent them. They are refusing to remove this error. AMCOL should have never reported a debt I paid prior to being sent to their office. Additionally, the refuse to assist me at all with this matter.
03/07/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28411	Web
On two different occasions my husband visited the doctors office around the same time we were in transition of moving out of state. The doctors was informed of our new furture address to send the final bills to but continued to use our old address resulting in the two bills getting lost with USPS and therefore we never received the bills. It wasn't until our mortgage lender pulled our credit that we learned of these two descrepencies on our credit reports. We immediately paid the two payoffs and they said that they would remove these negative remarks/collections from our credit. To date they are still on our credit. Please remove from our credit.
01/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75115	Web	Servicemember
I sent a request for debt validation by certified mail on XX/XX/17 and requested, to AMCOL Systems Inc. 1. Agreement with your client that authorizes you to collect on this alleged debt. 2. Agreement that bears signature of the alleged debtor wherein he promises to pay creditor. 3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. The company failed to respond to my debt validation request, therefore essentially admitting that the debt in question is inaccurate. Per Texas Finance Code 392.202 ( b ) ( 2 ) this requirement states that the trade line must be deleted from my credit file
01/10/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 85283	Web
Amcol is collecting on a debt for a hospital but is claiming {$4100.00} is owed but the bill from the hospital is for {$2000.00}. It is over a {$2000.00} difference and even with the bill showing the balance, Amcol is still trying to collect the wrong amount. Debtor tried to pay the hospital but it can't accept payment and Amcol refuses to return calls, or investigate the matter. Debtor hired an attorney to resolve the issue, but Amcol refuses to reduce the bill to the correct amount, return phone calls or respond to any correspondence. This is illegal, they can't do this and they are reporting the account on the credit report in error.
09/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78753	Web	Servicemember
I submitted three payments to the company towards my original balance of {$1500.00} that is not reflected on my credit report ( the balance owed on my credit report shows the total amount of {$1500.00} ). The following are dates/amounts I paid toward my balance owed and would like reflected on my credit report : XX/XX/2019 - {$5.00} XX/XX/2019 - {$10.00} XX/XX/2019 - {$280.00} The following payments were written checks that were cashed by the company, which I have proof of. The company has incorrectly sent my account into collections in XX/XX/2019 under the premise that I did not make an attempt to send any payments, which is untrue.
03/16/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	SC 295XX	Web
I was working for XXXX XXXX and moved some stacks of newspapers on my counter. I lifted a stack and moved the wrong way and I got a sharp pain down my arm. After that I could n't move it and I was in a lot of pain. My manager, XXXX at the time drove me to XXXX and stayed with me and went in the room with me when my name was called. After examing my arm she asked if it was a workman comp. Situation and the Dr. Said yes. We went back to work and I had to fill out papers with her because I could not write, for the forms for workman comp. After that I left her office and got driven home. I thought it had been paid and now I see it has n't.
09/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76039	Web
XXXX XXXX XXXX ... I needed medical treatment when I first arrived to Texas, went to an emergency facility because I didn't know where else to go ... Received treatment on XX/XX/2017 and paid {$220.00}. I asked if this settles my bill with the nurse, doctor and receptionist and I was told yes. Received a cash receipt. Six months later I began to get bills for {$350.00} and I wrote back stating bill had been paid in full with {$220.00}. Then I started to receive bills for {$150.00}. Now, they have submitted 5his information to a collection company called Amcol. This information is now showing on my credit report. Help?
03/04/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	KS 672XX	Web
XXXX XXXX is showing I owe over {$400.00} for an account that was paid off to via XXXX XXXX. I disputed this on my XXXX account as it should not be on my credit record. I also confirmed via XXXX did receive payment in full & checks all cleared the bank. XXXX didn't investigate at all. They took amcols word that I owed the money even after I told them I paid it in full to via XXXX. XXXX from amcol was still trying to collect payment & i told her they need to call their client via XXXX becausenit was paid in full. It should not even be on my credit report. I'm having no luck with people wanting to do their job & have this rectified.
06/28/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85210	Web
This company has the wrong address on file for me. It was an attempt to collect a Co-pay from my insurer. They did not notify me appropriately of any debt owed. They did not send the bill to the address on file with my insurer. It alerted on my credit report and that is how I originally found out about the debt. When I called the company to resolve they admitted they sent the letter to an address that does not accept mail. It was returned to sender and there w as n further attempt to contact me. Ive offered several times to pay the debt in full but they are refusing to delete the delinquency off of my credit report once ive paid.
03/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30605	Web
A simple look at the XXXX reviews for XXXX in XXXX SC is a fair indication of false reporting to credit bureaus. Each interaction a representative states a different date for the last payment made. The amount changes every time. There is a recorded call that they will not retrieve indicating that the debt would be removed from my report. They refuse to remove it due to recent policy changes. They also can not properly indicate to me the original amount the debt was for. Their phone number is ( XXXX ) XXXX. I have attempted and successfully gotten this debt by requesting from the bureaus, they simply report it again months later.
05/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 70127	Web
Amcol at XXXX XXXX XXXX in XXXX, SC XXXX purchase a invalid debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX for {$310.00} and illegally places this debt on my XXXX and XXXX credit reports. At the time of service I had a primary commercial insurance and XXXX as secondary. I never had any balance due once insurance process and pay and I have requested that they remove this information from my credit report repeatedly with no resolve to this issue. On XX/XX/2020 I contact Amcol again and spoke with XXXX who stated due to the age they can no longer bill insurance so it is patient responsibility.
06/14/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 95035	Web
AMCOL SYSTEMS INC- REPORTED A COLLECTION ON MY CREDIT FROM XXXX XXXX HOSPITAL TO WHOM I GAVE MY CARD NUMBER AND HAD THIS ACCOUNT PAID IN FULL BEFORE MOVING OUT OF STATE. YEAR LATER I COME TO FIND OUT THAT XXXX HOSPITAL NEVER PROCESSED THE PAYMENT I AUTHORISE THEM, NEVER CONTACTED ME PHONE OR MAILING ADDRESS AND NOW THEY SENT ME TO THIS VERY AGRESSIVE COLLECTION COMPANY THAT IS THREATENING TO ARREST ME IF I DIDN'T PAY THIS BILL ... .I WAS NOT AWARE OF THE PAST DUE BALANCE WITH THE XXXX WHO NEVER MAILED ME A BILL TO THE NEW ADDRESS I PROVIDED THEM ... PLEASE STOP THEM FROM HARASSING ME AT HOME, WORK AND NOW AT MY PARENTS HOUSE
05/13/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OK 74006	Web
On XX/XX/19 I called Amcol systems Inc to try and resolve my debt. I was unaware that this debt was being sent to them by XXXX XXXX XXXX XXXX in XXXX, Oklahoma. I offered to make a monthly payment of {$25.00} until my debt was resolved. Amcol stated they would collect my payment, but would not report to the credit companies that any payments were being made unless the amount was at least {$59.00}. That is an unreasonable amount, as I am trying to make arrangements to pay off other debt as well. I would like this to be removed from my account if Amcol is not willing to work with me on the payment arrangement I can afford.
09/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 748XX	Web
This company has sent collection notices, called and harassed me this past Wednesday ( the same day we were BURYING my grandmother who just died the previous XXXX ). They are falsely trying to collect on a debt not even 'owed ' at all to the XXXX XXXX service ( whom will not even schedule a package pick-up at all, until the postage/handling fees are already paid to them online ( prepaid ) first ; In excess of over {$250.00}. This company needs reported for their activities and extortion attempts. I only pay the ORIGINAL creditor ( s ) and I pay them 'directly '. It will NOT reflect on your credit positively, otherwise.
02/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85085	Web
AMCOL SYSTEMS continued to report a collection account on my credit when the debt was paid in full XX/XX/XXXX. I've attempted disputing this account twice with all bureaus in addition with them directly and AMCOL Systems continues to report it as a collection account which has prevented my credit score from improving and is negatively impacting my ability to develop future credit worthiness. Amount of Debt originally owed XXXX Amount and date of last payment XXXX XX/XX/XXXX Last reported collection on credit XX/XX/XXXX and is still present today Today 's date XX/XX/XXXX AMCOL SYSTEMS XXXX XXXX XXXX XXXX, SC XXXX XXXX
08/28/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OK 730XX	Web	Servicemember
This collection agency never contacted me about this debt. The only way I found out about the debt is when I happened to check my credit report. I tried repeatedly calling this company after finding their information on my credit report, they never answered their phone. They 're recording told me to call back during business hours and I was calling during their business hours. I sent them regular US mail to their PO Box and received no answer or reply. Finally on XXXX/XXXX/2015 I sent them a registered letter asking for information on the debt. As of today 's date XXXX/XXXX/2015 I have received no reply from them.
01/11/2018	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	TX 77044	Web
Completed online dispute with the credit reporting agencies on XXXX XXXX, 2017. Currently still showing the disputes are in progress to-date. Below are the accounts that are in dispute : AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, SC XXXX {$1600.00} EXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$620.00} AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, SC XXXX {$100.00}
03/26/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Web
I do not know why I have two collection accounts with your company. I have checked with XXXX XXXX who took over XXXX XXXX XXXX ( the facility that I was seen at ) they have no record of these bills. I have no idea where the charges came from, what they are for and if insurance was bill properly. Can you please provide validation of the accounts that are showing up on my credit report? I just find it very strange that the medical facilities do not have a record of these charges or me owing anything. I spent over an hour on the phone with them trying to figure out where these bills/charges originated from.
04/06/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76014	Web
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
04/07/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 320XX	Web	Older American, Servicemember
AMCOL Systems Inc. are trying to collect a debt that is not mine. I notified them XXXX XXXX, 2017 of this error and again on XXXX XXXX, 2017. Both times were in writing. The debt belongs to my son who is a XXXX. I am the XXXX. AMCOL has posted this to my credit reporting agencies which caused my credit score to decline. As of this date, XXXX XXXX, 2017 AMCOL has not communicated with me at all. They have not removed this from my credit reports. I did make a comment to my credit reports that these are not my bills. So far my score has still not changed. Thank you for your assistance to this matter.
11/17/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	AR 72901	Web
I received a bill in the mail for a medical debt. this debit was paid. I sent a letter to the collection agency to send me a itemized bill with all the breakdowns of this debt. I sent a letter back within 5 days of receiving the bill asking for all the medical proceeders that were done. I never heard from the collection agency. it has been 90 days from receiving. now on my credit account it shows up as a open collection. just on XXXX and not on XXXX. what I would like is to have your complaint department to look in to this and if you can have it removed from my credit account. thank you.
08/09/2018	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 Was not notified of investigation status or results	TX 75056	Web
Hello, I was contacting you to file a complaint on Amcol Systems debt collection agency. This issue with this derogatory account that they are constantly reporting my credit has not been resolved for at least 2 years. I've requested the information that I am entitled to have at least 5 times, and have yet to receive a response. I've been in touch with XXXX, XXXX, and XXXX and they keep on verifying the account as accurate without providing me with any type of feedback. This derogatory account does not belong to me. I do not even know where it came from. It's a debt for {$1000.00}.
05/11/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75119	Web
This creditor is reporting negative debt against my credit report and has refused to delete it. This creditor is in violation of several consumer credit rights under the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information.
05/18/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 775XX	Web	Servicemember
I received a letter saying that I have been placed with a agency for collection. Saying if I don't pay within 30 days they will report it to bad debt collection. I tried calling to find out what the letter was about and got a recording saying to leave my information and they would call me back then went to there website and my computer showed a promoted saying the website was not secure that I needed to back out of the website cause the website has been flagged as a scam. I have no idea about the debt in question and the letter does not explain what it is for either.
07/03/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 752XX	Web
I have contacted them trying to get information on this debt, I was given the information and after contacting them they have continuously called me to try and attempt to collect this debt ... XXXXthey call and tell me that I will pay either way if they have to deduct from my checks or sue me ... has also been told that I will be arrested and brought to court by a lawyer ... .soon after that I stop answering the phone when they call. I do n't believe that I owe this amount I have also asked them to send me the information in the mail and has yet to receive that info.
01/06/2022	Yes	Money transfer, virtual currency, or money service Debt settlement	Fraud or scam	IN 460XX	Web
Someone called from a collection agency. They said they were from XXXX XXXX. They have me dates of service and wanted my daughters birthday to verify info. I gave it to them. They told me I owed money and they were collecting a debt. I was upset because I thought it was already paid off. They gave me a weird address and I said no, that was a wrong address. I gave them our correct address and they said theyd send me a statement. I hung up. The number that called was XXXX ( XXXX ) XXXX Now Im scared I put my daughter/family in a bad situation Should I be scared??
12/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 325XX	Web
There are several wrong addresses that are being reported as mine on my credit profile and also there are multiple XXXX XXXX and XXXX hard inquirys I have not done back to back and lastly there is a {$300.00} medical expense that was reported and that is not my bill. I was not in Florida at the time of the opening date of the file. Also that one medical report and credit card checks brought my score down 101pts in just a few days. I am very upset and need this fixed immediately. There is fraudulent activity going on and also false very negative affective reports
09/21/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	MI 481XX	Web
I owe a hospital bill of some sort from the past and the company keeps threatening me that it will go on my credit report if I do n't pay them their money on time or if I do n't use auto debit from my account they keep daring me to miss XXXX payment. They call days before I even have the money to try to get it early from me. Although I 'm going through hardships at this time. They still call and call and harass me. Sometimes I feel like they are going to kick my door in. I also lose sleep due to the harassment and i stress a lot because of them.
01/22/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77546	Web
AMCOL Systems ( a debt collector ) reported a debt on my credit reports without notifying me of any debt owed. And previouslyy agreed already to remove it and have not. I have been fighting for many years regarding 2 amounts not owed by me that continue to be bought and sold by creditors and then reported on my credit without my knowledge. Disputes get acknowledged and the reporting removed only for the next creditor to repeat the same actions of that it acquired the fraudulent debt from. Please see that it is removed from all credit reports.
11/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 368XX	Web
I recently ran my credit and found AMCOL on my report. Once again I had no knowledge of this debt!! I was never contacted by this company that is violating HIPAA Law! I never knew about this {$200.00} medical debt and now its in collections! Ive never signed any documents with AMCOL!! XXXX and XXXX has deleted but AMCOL is still reporting to XXXX!! Ive sent certified letters and no response! I want AMCOL removed from reporting inaccurate information on my credit!! I demand documentation with my signature showing I owe AMCOL this debt!
07/01/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76148	Web
A collection report was posted to my credit report after paying the debt in full to the original creditor. There a 3 from the same original creditor that were set up on a payment plan. The debt was payed in full in XXXX/17. The new creditor is trying to collect on this same debt 3 months after it was paid in full to the original. I will include the Bank documents to prove it. It infuriates me that they are reporting falsely and that I have to spend time fixing. I 'm pretty sure it 's illegal to try and collect a second time on a debt.
09/03/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 78758	Web
I went to an emergency room and paid the {$150.00} required along with my insurance. I only found out that they had put something in to collections when looking at my Credit report. I received no phone call or letter with the itemized bill, which of course they should n't have been XXXX seems my insurance paid for it. They have no number for debt collection or disputes of billing. I refuse to pay it considering I have no written letter or email or agreement to pay any bill. My insurance would have covered it. Thank you.
10/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27604	Web
AMCOL SYSTEMS INC Account # : XXXX Date : XXXX XXXX, 2015 I have a collection account on my credit report from AMCOL SYSTEMS INC. Please be advised I am disputing this collection due to the fact the AMCOL SYSTEMS INC does not currently have a valid license to collect debt in the State of North Carolina according to the North Carolina office of financial regulations, I am requesting that you delete this account from the file or provide me physical proof that you are licensed to collect debt in North Carolina. Thank you
01/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89509	Web
an unknown collection agency showed up on my credit report. I disputed with the credit reporting agency. they stated it was verified and is accurate. ( cc of the tradeline on my report with XXXX and XXXX attached ) I sent a validation letter to the company Amcol Systems. ( copy of letter XX/XX/2019 attchd ) they failed to verify or validate the debt ( copy of their XX/XX/2019 response attchd ) in addition to being an unknown unverifiable tradeline on my account the information they are reporting is inaccurate.
01/26/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75904	Web	Servicemember
XXXX continues to try to bill me for services provided by a hospital that has my medical insurance billing information. I am a XXXX XXXX XXXX Veteran and have full health coverage covered by the Veteran Affairs. I had an emergency that required a local hospitalization and have been bullied since going to the hospital. They send letters, hire multiple companies to call and harass my family. Why are they trying XXXX collect payment from a XXXX Veteran that doesn't pay for health care? Bill the XXXX VA! This is crazy
01/07/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DE 199XX	Web	Servicemember
Entered into an agreement to pay amount owed with AMCOL systems for two accounts. One was with XXXX XXXX XXXX for XXXX and the other with XXXX XXXX XXXX for XXXX. They automatically withdrew funds from my bank account on XXXX, XXXX and XXXX for XXXX each time. They did not withdraw the last XXXX from my account and then they reported it to the credit bureau agencies as me being delinquent. I feel that is very unfair as I was making payments, as arranged and they failed to withdraw the funds. This is not my fault.
12/17/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29485	Web
Asked me my personal information birth date ... But before told me the wrong birth date asked me to confirm. I explained i was not comfortable giving my personal information over the phone and told them that was not the correct information they continued to ask me how i knew and i refused to give any more of my information over the phone they needed to send me a written letter. Amcol i believe was the name who also threatened me with a letter to place a judgemwnt on me for XXXX which i did pay.
02/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53216	Web
I received bills from XXXX XXXX XXXX XXXX XXXX Hospital ( original creditor ) for medical services I received in 2019. I spoke with the billing department several times and this issue was resolved ... my medical insurance paid this bill. I checked my credit report and learned that there's an open collection from AMCOL SYSTEMS INC ( new creditor ) for this same medical bill. AMCOL SYSTEMS INC never contacted me about an outstanding balance, but posted this on my credit report.
01/23/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33351	Web
On XX/XX/2019 I sent a dispute letter to Amcol systems asking them to validate this debt and also asking them to send me proof of the services provided along with the dates services were provided on along with a HIPAA release form. They failed to respond to my letter, by law they had 30 days to respond and they failed to do so. I sent them a letter via CERTIFIED MAIL. And it is not XX/XX/XXXX and I have yet to receive any proof that this medical bill belongs to me
07/15/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 22306	Web
I have XXXX at the time of this medical service and my XXXX was fully responsible for paying the medical bill. I had XXXX at the time for me and my XXXX kids as a single dad when I lost my job in 2012. The medical provider failed to file claimed with XXXX even after I provided my XXXX information at the time of service. This is wrongful collection attempt that has significantly affected my credit and I would ask that the collection be removed from my credit file.
12/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32503	Web
Weekly voice mails from AMCOL ( XXXX ) XXXX asking me to call about owed debt. Returned call and will not identify what debt, which organization, service or goods. Told do not call again, but still receive robocalls. First call back to them I asked them to send me copy of this supposed bill. Will not do it. Wanting Date of Birth, SSN, etc. They should have my address and I gave them my email address to send this debt info. They certainly have my phone number.
11/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78660	Web
Amcol Systems is reporting an amount of {$140.00} owed for a medical bill to XXXX XXXX XXXX XXXX. I'm getting weekly updates from XXXX indicating that Amcol Systems is updating the reported debt by increasing even though the debt has been paid in full. Have indicated to both XXXX and Amcol that this has been paid and provided proof. Amcol is repeatedly breaking the law and is committing fraud by trying to collect a debt they know to be not owed.
06/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85339	Web	Servicemember
I filed a dispute with the credit bureaus. the account doesn't belong to me and I request validation of said debt in line with the FCRA. Also i did not sign any HIPPA release that releases my information to any third party and this is in violation of my rights and i want it take off my credit report expeditiously. If not done so within the legal amount allotted time i will be seeking legal action against this company. Best regards, XXXX XXXX
08/17/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75043	Web
I got an alert from my credit bureaus that a debt was reported. I have no ideal what this debt is for and I Never receiving anything in writing system that I owe this debt with this collection agency. My FCRA rights have been Violated as, 1- I never received any Notice in Written from this company about this debt. 2- I was never given an opportunity to dispute this debt. 3- This has reporting to the credit bureaus and it is in accurate.
02/12/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	KS 672XX	Web
XXXX is the number that called me. i return the call and a lady name XXXX answered saying i owned a debt for a hospital in my town. She explained it was only {$100.00} and wanted 4 payments of XXXX. I am aware of such bill but it is more than XXXX. She continued to ask for the payment and i told her i don't know when i will have the money. The name of the company was Amcol She gave an account number and told her have a good evening.
12/17/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75028	Web
I was a victim of identity theft and noticed a collection from AMCOL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMCOL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
10/27/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 27615	Web
I recently discovered that this company was reporting two collection accounts on my credit reports that do not belong to me. When I disputed the accounts through the credit bureaus they came back " verified ''. I then sent this company letters and they simply responded by saying that I owed nothing on the two accounts. They obviously did not read my letters! I have attached the letters I sent to them and their response to both.
08/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 54481	Web
My name is XXXX XXXX and I am in the process of improving my credit. My health insurance should have covered this medical expense and therefore I beleieve I should not be held libaile for this debt. My goal is rebuilding my credit score and these remarks are hurting my credit. Getting these remarks remove would Shorten the obstacle on improving my credit score. amcol systems inc $ XXXX XXXX XXXX. {$1300.00} XX/XX/2017 XXXX
07/18/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC XXXXX	Web
AMCOL Systems Inc is reporting XXXX medical debts to the credit bureaus that I have no knowledge of and that I do n't owe. Thus, I sent AMCOL a letter asking them for a copy of the original bills and detailed statements of the procedures performed. AMCOL received my letter on XXXX XXXX , 2017, however, AMCOL has failed to send the requested documents. In fact, AMCOL has n't responded to my request at all.
08/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KS 671XX	Web
Received a letter from AMOCAL Systems or XXXX, they use both names, stating that XXXX XXXX XXXX XXXX XXXX was owed {$5500.00} from me. I called them. They said the bill was for services provided to my adult son. I explained he was an adult and this is not my bi ; ll. They stated someone said I was responsible so I had to pay this or they were providing negative information on my credit to the credit bureau.
02/08/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 75006	Web
I am being reported to credit agencies for a medical debt. I contacted AMCOL systems at XXXX and requested verification of debt. what I received was a letter on AMCOL letter head saying I owe {$1800.00} on acct XXXX and {$110.00} on acct XXXX. it also included a bill that says patient balance due is XXXX. yet I am still being reported. If I owe the bill I will pay it. but I do not believe this is correct.
08/20/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77044	Web
I noticed several collection accounts on my credit from Amcol Collection agency.I requested validation of the debt from them, because I have insurance and paid my part. my insurance sent me a copy of the claims showing the debt to be paid. This agency ignores my requests for validation and proof that the accounts are erroneous and are paid. They continue to report this inaccurate information on my credit
10/23/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OK 74105	Web
I received an original medical bill of {$570.00} from XXXX XXXX ER. AMCOL collections then acquired that debt, but issued a collection to me for {$570.00}. I had already paid the {$570.00}. I have documentation to prove this. I spoke with them on the phone about this and they confirmed that I did pay and that I am right. AMCOL is still reporting this debt on my credit reports, even though it is paid off.
05/12/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MO 630XX	Web
XXXX XXXX, 2015 I sent a letter to Rickman and Rickman to validate these debts. I received a reply containing statements that have incorrect information and still unsure about these accounts. XXXX XXXX, 2015 I sent another letter stating I want these debts validated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have not hard back from them since the XXXX XXXX, 2015.
05/01/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 27519	Web
Notified that this debt after it was placed on my credit report ; reached out to collection agency to dispute the debt. I asked them to send verification of the debt and they haven't. I also mentioned that my identity was stolen and that I have notified the police and I have a police report. This account does not belong to me. It should be removed. Police Report Number - XXXX ( XXXX of XXXX NC )
03/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29801	Web
On XX/XX/XXXX, I sent a letter to Amcol Systems, stating the {$190.00} debt is not mine and of fraudulent activity. I did not receive a response from Amcol regarding the letter sent on XX/XX/XXXX. I sent a letter to XXXX, regarding Amcol Collection Agency, stating the debt is not mine and of fraudulent activity. XXXX sent a file back to me stating the debt was verified and no changes were made.
03/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DE XXXXX	Web
I was in an auto accident that required medical treatment : PA Law e Pennsylvania Motor Vehicle Financial Responsibility Law, 75PA C.S. l797 ( b ) ( 7 ). is to protect the US consumer that these companies refuse to adhere to Pa law so they are breaking the Law and refuse to update, correct or even have the correct amount of debt listen, seems they inflate the amounts and refuse to correct.
05/30/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77493	Web
Amcol Systems Inc -Medical {$1800.00}, reported XX/XX/2017 Amcol Systems Inc-Medical {$520.00}, reported XX/XX/2017 This is a grossly inflated dollar amount at an Emergency Room/Urgent Care facility, not a hospital that I was charged. I was NEVER able to get a detailed statement of the charges and DID NOT see a doctor. I could NEVER get a true explanation of why the charges were so high.
03/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48220	Web
I have disputed multiple times with XXXX, XXXX and XXXX regarding the inaccurate reporting of AMCOL SYSTEMS. Multiple account are being reported that are not mine. Amcol Syst Opened XX/XX/XXXX {$150.00} Original creditor : XXXXXXXX XXXX Amcol Syst Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX Amcol Syst Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX
10/13/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IN 46902	Web
I keep repeatedly receiving calls from XXXX that are coming up as potential spam through XXXX XXXX XXXX XXXX XXXX. They keep leaving voicemails stating that they are XXXX XXXX XXXX and that they are a debt collector and to contact them. I do not currently have any debts nor have I received any correspondence by mail from this company stating what this debt is relating to.
04/12/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MI 480XX	Web
I did not receive notice of this collection until it appeared on my credit report. XXXX. I didn't receive any phone calls making me aware of this debt. The company collecting debt is Amcol. The date of service for the debt XX/XX/XXXX18. Contact # XXXX. The provider of service was XXXX hospital of XXXX mich. My credit score was damaged, I was not aware of this Debt.
09/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 77459	Web
Amcol Systems Inc. put a collection on my credit. They never contacted me or anything. They just put it on my credit. It only says medical. I don't have any outstanding medical debt. I have medical insurance. I have sent a validation request to this agency according to the Law of the FDCPA SEC. 809B Amcol has not responded. this has been going on for over 90 days.
06/17/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85379	Web
I received a debt collection notice from AMCOL in XXXX of 2019. I sent a letter to AMCOL requesting them to validate that I have a valid debt with AMCOL. AMCOL sent me a detailed listing of my healthcare procedures that had taken place with XXXX XXXX XXXX dated XX/XX/2019. I never signed any medical release granting AMCOL access to my healthcare information.
05/16/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75216	Web
I received a notification today that a collection was added to my credit report in the amount of {$1200.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
05/16/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75216	Web
I received a notification today that a collection was added to my credit report in the amount of {$740.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
02/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 125XX	Web
I paid off this debt from Doctors care. I went on the website and paid the balance in full. While they took it off my XXXX credit report, they have left it on my XXXX report.I contacted the AMCOL and faxed them the receipt showing I paid the account in full. I was told they were sorry and would update the account. However, they have n't updated the account.
12/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 322XX	Web
The original creditor XXXX XXXX of XXXX is billing me {$35.00} for a copay that was paid on the date of service. This facility requires payment at time of service ; however, I have been receiving phone calls in reference to this debt from a debt collection agency and just recently received a letter in the mail. I do not owe this and it has been paid.
03/15/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NC 27889	Web
I was seen at XXXX who sent highly personal medical information to AMcol without my consent. My original information I disclosed with XXXX who turned around and sent it to Amcol. Amcol I see is licensed in XXXX are they able to share my personal information as well as attempt to practice in XXXX. I would like this matter looked into please
07/16/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN 46254	Web	Servicemember
This is my debt, however there werent many resources to assist with the amount that is due. I tried a payment plan but the amount was too much for me to handle. I can do like {$100.00} a month but thats going to take forever to pay off and also have other bills that are due. If theres any way to assist with my debt, that would help a lot.
04/25/2018	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	CO 80124	Web	Servicemember
A collection company Amcol contacted me about a debt I wasn't aware I had. After they contacted me, I paid the debt within 30 days but it was still put on my credit which is should not have been. The debt is listed as paid on my report but with my paying the debt within 30 days of them notifying me, it should not be on my credit at all.
09/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91306	Web
AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, SC XXXX I have received two collections from this company same same balance owed, unfamiliar with it and trying to work it out but the derogatory mark is having a major impact on my credit score. A mistake has been made on my credit report I believe the company has put in this account twice.
07/26/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 27526	Web
AMCOL recently reported to the XXXX credit bureaus that I have an unpaid {$890.00} bill owed to XXXX XXXX. Prior to this account appearing on my credit report, I did not receive a notice of my right to dispute this account. I would have liked to have that opportunity because I am certain my health-care provider paid this anyway.
07/20/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75287	Web
A company called Amcol Systems appears multiple times on both my XXXX and XXXX credit reports. I have no idea who or what this company is or who this company represents as this company has not sent me any type of communication as to who they are. They just all of sudden appeared on my credit reports causing some negative damage.
09/22/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 775XX	Web
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AMCOL SYSTEMS
11/16/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 20147	Web
Hi, I got a {$350.00} dollars bill from XXXX XXXX XXXX, this is wrong as I am insured and it is not the first time this happens, last time I called the Dr 's office and asked to check with my insurance and yes it was corrected, in this occasion when I called the office it was too late and now I am trying to fix this with you.
08/01/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 85338	Web
We tried to create an online account following AMCOL 's instructions, but could not so we can not track any payments. AMCOL assigned two different account numbers to the same bill of {$150.00} and sent statements for collections. We have sent them copies of the bills, screenshots of the AMCOL site error message and a letter.
04/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
Amcol has a collection of {$270.00} on all three credit reporting agencies that is not mine. I have sent letters requesting supporting document since XX/XX/2019. To date they have not provided me with any documentation f have ignored my requests. I am requesting that this be removed from all 3 credit reporting agencies.
12/07/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 27616	Web
Agency is not licensed to collect in the state of NC. I would like the services removed off credit report with all 3 credit bureaus. Amounts : {$2800.00} {$2800.00} {$2000.00} {$380.00} {$610.00} {$230.00} {$210.00} {$50.00} the agency is not licensed to collect in NC. Agency has filed items on my credit report.
05/06/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43054	Web
I never knew that I owed anyone money, this just appeared on my credit report. I've called multiple times since & asked for information- they can't tell me anything about it, just that I owe money. I have no idea what it's for! Every time I've called they've been rude and can't understand why I won't just pay it.
03/14/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	SC 29501	Web
I keep receiving calls from AMCOL Systems in XXXX South Carolina on my phone. This company leaves no messages and has NEVER sent a letter regarding what they claim is owed. I have no clue what they want and I am not calling them back to inquire as to why they are calling as I have no business with this company.
04/14/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	OK 731XX	Web
I moved 2 years ago and they were sending bill to old address, so I never received anything. They had my new address and only sent to old address. I never knew about this bill until I checked my credit report. Now, I 've paid this around three months ago and it 's still showing it 's open and has balance.
10/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29483	Web
This debt has been removed from my credit report 2x and the debt agency has placed it back on both times. Iam asking that the debt collection ahency removes the debt for the third time and keep it removed. I have diouted wih no resolution hence why they have been required to remove it permanently.
03/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX XXXXX	Web
AMCOL SYSTEMS, INC sent me multiple letters on XX/XX/XXXX stating my account was closed and they would be deleting all the information regarding there company off of my credit report. As of XX/XX/XXXX there are still AMCOL SYSTEMS, INC accounts on my credit report with XX/XX/XXXX and XX/XX/XXXX.
10/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 90706	Web
AMCOL SYSTEMS INC is reporting a paid medical collection on my XXXX {$0.00} balance. And they have a balance of {$260.00} on my XXXX. They are false reporting on my credit report. I need them to delete this collection off the 3 credit bureaus they are violating the fair credit reporting act.
08/16/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 43228	Web
I paid 6 debts to amcol systems they refuse to report to the credit bureau that they are aid they want to wait 90 days and wo n't send me a receipt showing I paid them for 90 days each time I call they are very rude and argue with me and tell me it 's my problem and I will just ha e to wait
11/12/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 763XX	Web
I got sick on XX/XX/2015 and went to the hospital for 30 days. I took the ambulance to the hospital so I think thats what the debt is for. Ive tried to contact them numerous times to set up a payment plan of some sort, but they always would say to me that it isnt enough money per month.
12/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48066	Web	Servicemember
I received a letter in the mail saying I owe amcol systems XXXX dollars I dont know who they are I never used their service who please can you you have them verify that I have used them XXXXXXXX XXXX account number XXXX XXXX my name is XXXX XXXX XXXX XXXX address XXXX XXXX XXXX mi XXXX
05/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 27604	Web
my personal identity has been stolen and used to open this account i have filed police report and and affidavit to that effect but this company has this fraudulent account on file as me as well as continue to try to collect and report this fraudulent account to the credit bureaus ...
09/03/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92127	Web
This is the first time I have ever pulled up my credit score and to my surprise I had an account in collections that I was never aware of. I do not have any credit cards nor do I have any outstanding balances. Can you please assist me in fixing this problem that I know is not mine.
01/08/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 302XX	Web
I just gained access to my credit report and noticed that Amcol Systems has damaged my credit. I have never done any business with this company, Nor provided any of my personal information to this company. Their are XXXX collections on my account that i never knew anything about.
07/21/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 48185	Web
Hospital was supposed to be re-running the insurance and then resubmitting the bill. This has happened several times. AMCOL Systems has failed to produce a bill for these charges as well. Previously, when attempting to pay an earlier AMCOL debt, they said there was no debt owed.
09/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27617	Web
I paid the collection debt as it was an outstanding hospital bill that I received no notification about. It was paid in full they still are reporting this debt as a collection item when there is nothing outstanding or owed for this account. Violation of HIPPA PHI regulations.
03/15/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77004	Web	Servicemember
The company AMCOL Sytems Inc has not submitted a written debt validation that shows a contract between them and myself that shows that they are authorized to collect any monies from me. A validation would include my signature and I have not received anything from the company.
04/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85379	Web
Original Creditor Name : XXXX XXXX XXXX XXXX Opened XX/XX/2017 for {$890.00} Opened XX/XX/2017 for {$310.00} Opened XX/XX/2017 for {$210.00} Called the XXXX XXXX about details for the charges, receptionist stated to call debt collection agency as it was already transferred.
10/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 27614	Web
I have settled my debt with these companies and they are still listed on my credit report. Some are as old as XXXX. I owe no money and am trying so hard to repair my credit. I have 1 credit card and a car payment now but my history still haunts me. Please help me.
01/22/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75104	Web
I sent a letter to the collector requesting validation of a debt. The information that was provided to me from the creditor is contradicting to that of the credit bureaus reporting. The collection company has failed to correct the reporting on my credit files.
06/17/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 27713	Web
This company continues to report a paid debt to credit bureaus. I submitted proof of payment to the collection company and submitted dispute to thru the credit bureaus. This company refused to remove the information and continues to report on my credit report.
07/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 275XX	Web
Amcol Systems , Inc is fraudulently reporting a Collection Account to my credit file and I am not liable for any debt to them. I have requested multiple times for them to discontinue reporting this fraudulent collection account to my report and they have not.
04/23/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27545	Web
I worked out a paying plan with original debtor in the understanding that it will not affect my credit, but my name was sent to a secondary debt collector and that led to the damage of my credit report. I have being making my payment plan without defaulting.
12/28/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 12590	Web	Older American
I never used the services of this medical group Amcol Systems.They ruined my credit by filing a open collection judgement on my XXXX credit report.If someone else used their services with my last name it was not me.I have never been to South Carolina
03/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89103	Web
I applied for credit and was denied due to an unknown collection. I was forwarded a copy of my report and noticed the fraudulent account. I have tried contacting the debt holder and can to no resolution. I am a victim of identity theft!
07/10/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29483	Web
This debt has been removed from my account on several occasions. The company can not verify debt and once it 's pass the allotted time to verify the debt is removed. The company then reinserts debt back onto all XXXX credit bureaus.
06/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 654XX	Web	Servicemember
I paid XXXX to my physician prior to XXXX for my deductible and co insurance. They took the money and applied it to something else. I have tried for a year to talk to the doctors office and billing to get it resolved with no luck.
12/18/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	OH 43068	Web
I just found that the debt was fowarded to collections. I have not been notify prior to that. It is that wasy to destroy someone credit that way I have a HSA that allows me to pay my medical bills upfront This is just ridiculous
03/06/2017	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	SC 29527	Web
The collection agency told me they would send exactly what the debt was pertaining to and I never received anything. I called XXXX and they told me they did n't know what I was talking about with the debt because I was paid up
12/02/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	LA XXXXX	Web
I have no idea who these people are and they report some debt to all XXXX credit reporting bureaus and call my cell phone all the time and leave threatening messages of arrest warrants and even come to my place of employment!
04/23/2022	Yes	Money transfer, virtual currency, or money service Money order	Lost or stolen money order	OK 741XX	Web
I have received a letter from amcol system Inc about the amount I owed at XXXX XXXX XXXX XXXX and I do not complaint, I just want to let you know that I already sent a money gram # XXXX for the amount {$50.00} on XX/XX/2022.
10/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29407	Web
There is an account with debt collector Amcol Systems that should be removed from my credit report with all 3 credit reporting agencies ( XXXX, XXXX, XXXX ). This account has been paid in full and taken care of awhile back.
12/20/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75287	Web
The purpose of this letter is to formally request a settlement for the medical bills I owe your hospital. I regret that I am unable to pay the bill in full at this time because my monthly income has been greatly reduced.
02/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77546	Web
AMCOL system Acc # XXXX Amount {$480.00} It shows delinquent It should be paid by my health insurance Company stop billing me and report the account to the credit agincy Please remove this account from my credit report
02/17/2017	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	TX 77354	Web
Debt collector called on my personal phone after being instructed specifically not to contact me again. Company representative admitted that I was called even though my phone number was listed as a " blocked '' number.
12/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NC 27616	Web
AMCOL Systems recently reported XXXX medical collection accounts from XXXX XXXX on my credit report. Prior to these accounts appearing on my credit report, I never received notice of my right to dispute these balances.
06/19/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 76052	Web
Talked to XXXX today in regards to debt, refused payment affordable with my agi of XXXX yearly, said they do not set up payment plans that low and will still report debt on credit report with the payment I can afford.
09/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 431XX	Web
I wrote and sent check for {$210.00} on XX/XX/23 for Medical bills to XXXX. I then got a letter in the mail on XX/XX/23 from XXXX XXXX stating I owe {$210.00}. My reference number is XXXX. Remove this debt.
09/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75063	Web
{$360.00} last report date XX/XX/2019 I submitted an online dispute several times. I also send in a written dispute as well. Nothing was done I contacted the creditor directly and they will not comply
08/19/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 731XX	Web
XX/XX/2023 XXXX XXXX this should have been covered by Medicaid with XXXX XXXX as primary. I have insurance it was billed incorrectly XXXX XXXX I have no out of pocket payments not even deductible.
10/29/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NV 89406	Web	Servicemember
I never was sent a bill from either the hospital or Amcol agency in South Carolina. The collection agency only contact me when the debt was placed on my report. Also the amount due was incorrect.
04/05/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WI 53221	Web
Initially, company called and left a voicemail to call them back. A week later, they called again and asked me for my address and name saying they want to discuss a " business matter. ''
12/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85249	Web	Servicemember
This debt was already paid and was being billed through XXXX XXXX, not Arizona XXXX XXXX. In fact, I paid for this bill twice, once with XXXX XXXX and a second time to Arizona XXXX XXXX.
02/05/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	SC 29841	Web
I do have ins with my employer and I have the flexible spending acct. I do not owe any medical bill for {$50.00} I have asked for proof that this is my debt and they have fail to do so.
08/02/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 08080	Web
The number calls repeatedly. I blocked the number but they continue to call. I attempted to call back but the automated answering machine hangs up on me. Still leaving voice messages.
05/22/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77584	Web
I recently sent a letter to this company asking for them to stop contacting me in regards to whatever it is that they keep calling me about because I have no idea what it pertains to.
02/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 08540	Web
The debt is in accurate and the collection agency can not validate the debt or that they can collect on it. The service provider can not provide a signature that i accepted services
05/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	SC 290XX	Web
Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.
07/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75287	Web
I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATON TO OBTAIN MEDICAL SERVICES FROM A COMPANY CALLED XXXX XXXX. I HAVE PROVIDED A POLICE REPORT AND ID THEFT REPORT.
07/11/2018	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	AZ 85379	Web
I received call at XXXX XXXX which is outside of the allowed time frame. I do not appreciate companies that violate this rule. I have a voicemail proof of their call as well.
05/30/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	SC 29588	Web
IhaveneverhadanycommunicationwiththisAMCOL.Theyneversentmeanythingotcalledtryingtocollectadebtfromme.Ionlyknowofthisbecauseitwasreportedtothecreditbureau's.
12/14/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 76001	Web
I have tried to research this company. I can not find them. I have insurance and should never have a XXXX bill. I have no Idea who they are trying to bill.
01/02/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NC 27587	Web
I sent a debt collector letter for Amcol not to contact me about this debt. I do not owe this debt it is not mine. They have completely ignored my letters.
01/07/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV XXXXX	Web	Servicemember
Debt was incorrectly billed. VA rejected payment based on " fee basis '' when it should have been billed as a diversion from their over-capacity facility.
02/12/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77546	Web
this company AMCOL has already acknowledged debt to be invalid, removed the reporting only to come back time and time again to report it again and again
09/09/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MI 48075	Web
Debt is form unpaid from an auto mobile accident in XXXX XXXX 2014 and the insurance is will pay but needs itemized bill and will not send them a bill
11/02/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AR 727XX	Web
COLLECTOR KEPT CALLING MY CELL, MY MOTHER CELL AND MY FATHERS CELL AND MY WORK NUMBER AFTER I SENT THEM A CEASE COMMUNICATION LETTER. 17 CALLS TOTAL.
12/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77545	Web
I have reached out to this company with no resolution, this account does not belong to me it is also reporting a address I have never lived at.
11/15/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TN 371XX	Web
The XXXX failed to file claims with multiple insurance companies so I paid them and it remains on my credit report as collection unpaid.
10/15/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 775XX	Web
I've disputed info several times, sent documentation and I am tired! Why do we allow these creditors to do this with no actions back ...
10/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29223	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
09/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29229	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
09/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 291XX	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
04/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77044	Web
Requested authorization from collection agency to collect debt for another party. I do not have a contract with this collection agency.
08/27/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 293XX	Web
Showing incorrect debt owed on my credit report from Amcol Systems Inc. The date claimes to be opened XXXX 2015. This is not my debt.
02/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75035	Web
I have never done business with the below listed company. Therefore my request is this account be deleted from my credit profile.
08/01/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48021	Web
This debt collection company is trying to collect a debt I have no knowledge of, They have not given me any prof I owe this debt.
05/26/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 27513	Web
AMCOL just reported a collection account on my report. Prior to reporting it, they did n't send me a notice of right to dispute.
10/04/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77546	Web
I disputed the debt and requested evidence it related to me in any way and no response and I learn they reported on my credit
04/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29456	Web
Who is the man or womanclaiming i owe the alleged debt.yhis infotmation is fraud and inaccuate and it is causing me damages.
02/22/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MO 631XX	Web
XX/XX/2018 someone opened a new account in my name and it wasn't me. AMCOL SYSTEMS .. I CALLED THEM THEY TOLD ME TO CALL YOU
03/29/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PR 00956	Web
Debt Collector reported negative items to my credit files. As they should be under the Charity program of XXXX XXXX XXXX.
11/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77357	Web
I have filed disputes while accounts still open to inform company of misuse of card/product by other persons than myself.
11/12/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	FL 32205	Web
This account it should be snt to the insurance company at the time XXXX I have never advise of the collection.
03/22/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70816	Web
Amcol collections reporting a medical account for {$640.00} they no longer own. Please remove from report
10/26/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48219	Web
I have not released any of my medical information to any 3rd parties this is illegal under HIPAA rights
10/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 775XX	Web
I HAVE WRITTEN TO THIS UN KNOWN CREDITOR, AND ALL 3 CREDIT BUREAU 'S INCLUDING FILING WITH FTC
03/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89103	Web	Servicemember
I was a victim of identity theft. I have filed all necessary complaints. Account is not mine.
09/25/2015	Yes	Debt collection Medical	Communication tactics Called outside of 8am-9pm	MI 48228	Web
The company called at XXXX XXXX This is not the first instance. They are harrassing me.
11/30/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29466	Web
they call and send letters and they can not tell me who the debt is with
01/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75115	Web
Talked to them and disputed with credit beareu several times.
10/31/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23608	Web
I don't remember going to that hospital during that time.
06/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29730	Web
XX/XX/2015 called and told them this is not my account
09/09/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	LA 707XX	Web
XXXX paid for the bill and they still charged me
03/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77014	Web
ftc violation acol stystems
10/25/2023	No	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	KS 67002	Web

10/02/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 54961	Web

09/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63122	Phone

07/17/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07676	Web

06/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 75703	Phone	Older American

06/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23111	Web

03/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23111	Web

03/01/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	VA 23803	Web

02/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KS 67226	Web

11/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 43713	Web

08/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22572	Phone

08/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 65535	Web

05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63031	Web

04/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29360	Web

04/01/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 35640	Web

03/29/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76574	Web

03/28/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43232	Web

03/25/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 65737	Web

03/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23704	Web	Older American, Servicemember

02/24/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46037	Web

02/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78641	Web

01/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 48336	Web

01/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 17527	Phone	Servicemember

12/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29045	Web

11/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43110	Web

11/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 36618	Web

10/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48092	Web	Servicemember

09/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43229	Web

09/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43229	Web

09/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 22315	Web	Servicemember

08/30/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19124	Web

08/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19114	Web

08/17/2021	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	TX 77306	Web

08/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29115	Web

07/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29483	Web

07/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29142	Web

06/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48038	Web

06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 17011	Phone

06/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91301	Web

05/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70810	Web

05/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29302	Web

04/18/2021	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	SC 29302	Web

02/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 49201	Web

01/13/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	WI 53226	Web

10/15/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77459	Web

09/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 630XX	Web

09/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 630XX	Web

09/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90044	Web	Servicemember

08/31/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89521	Web

08/28/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76002	Web

08/07/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	SC 29229	Web

08/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75217	Web

08/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75217	Web

07/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77346	Web

07/02/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32003	Web

06/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48038	Web

06/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	DE 19946	Web

06/09/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

05/26/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 75116	Web

05/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29483	Web

04/15/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TX 77386	Web

04/10/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	KS 66763	Postal mail

04/10/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KS 66725	Postal mail

03/18/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29568	Postal mail

03/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77075	Web

02/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53219	Web

02/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KS 66762	Postal mail

02/15/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53225	Web

01/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	DE 19963	Web

12/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77539	Web

11/21/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75044	Web

11/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KS 67217	Web

11/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77459	Web

11/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75181	Phone

11/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77336	Web	Servicemember

10/18/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48235	Web	Servicemember

10/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76137	Web

09/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77573	Web

09/09/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 22192	Phone	Older American

08/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77449	Web

08/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77449	Web

08/12/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	KS 66762	Web	Older American

07/30/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 48315	Web

06/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77433	Phone

06/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80514	Web

05/20/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone	Servicemember

05/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85205	Web

04/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77095	Web

04/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76137	Web

04/16/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33880	Web	Older American

04/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85283	Web

04/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77014	Web

03/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08055	Referral

03/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75149	Web

03/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76011	Web

03/02/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75098	Web

02/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46236	Web

02/16/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AE 09012	Web	Servicemember

02/13/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77016	Web

02/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77067	Web

01/29/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 91607	Web

01/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77014	Web

01/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77578	Web

01/04/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute		Phone

12/21/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77078	Web

11/15/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80249	Web

11/12/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76039	Web

11/07/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 17547	Web

11/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53214	Web

11/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76001	Web

10/17/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 76180	Web

10/15/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	DE 19901	Web

10/09/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75098	Web

10/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85297	Web

09/14/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77406	Web

09/11/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 76182	Web

08/23/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 27703	Web

08/23/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27603	Web

08/22/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77066	Web

08/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 27513	Phone

08/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77066	Web

08/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75070	Web

08/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 27526	Postal mail

08/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75104	Web

08/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 27526	Web	Servicemember

08/06/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 27607	Web

07/12/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75123	Web

07/10/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

07/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29803	Postal mail

07/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85326	Web

07/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77040	Web

06/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76039	Web

06/11/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85297	Web

06/10/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85282	Web

06/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30316	Referral

06/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78758	Web

05/18/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33712	Web

05/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76001	Web

05/01/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77062	Web

03/30/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76028	Web	Servicemember

03/22/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 27513	Web

03/20/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28463	Postal mail

03/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75216	Web

03/16/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75216	Web

03/10/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75115	Web

03/08/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NC 27610	Web

03/08/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Web

03/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 67217	Web

02/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29527	Postal mail

02/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29527	Postal mail

02/20/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77433	Fax

02/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75143	Web	Servicemember

02/16/2018	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 76135	Web	Servicemember

02/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 27610	Web

02/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 27520	Web

02/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32258	Postal mail

02/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29556	Web

02/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75216	Web

02/04/2018	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	GA 30265	Web	Servicemember

01/29/2018	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MI 48219	Phone

01/23/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 27713	Web

01/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48076	Web

01/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29556	Web

01/17/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 76002	Web

01/14/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IA 52639	Web

01/04/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29479	Web

01/03/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76063	Web

12/29/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89704	Web

12/28/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 27520	Web

12/13/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85226	Web

12/11/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76262	Web

12/10/2017	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	NC 27604	Web

12/10/2017	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	NC 27604	Web

12/10/2017	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	NC 27604	Web

12/08/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 48858	Web

12/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78741	Web

11/29/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75104	Web

11/27/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29203	Web

11/10/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32043	Web

11/10/2017	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	TX 78711	Web

10/30/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71112	Web

10/30/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TN 38305	Phone

10/27/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78723	Web

10/23/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75068	Web

10/16/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85249	Web

10/12/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IA 50501	Web

10/10/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76018	Web

10/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78749	Web

10/05/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 27616	Web

10/04/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 13343	Web	Servicemember

10/04/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28212	Postal mail

10/04/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28212	Postal mail

09/05/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71112	Web

08/26/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MI 48237	Web

08/16/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30238	Web	Servicemember

08/15/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 71112	Web

08/12/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48088	Web

08/11/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75115	Web

08/02/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 92705	Web

07/26/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 48141	Web

07/25/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76111	Web

07/13/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75137	Web	Older American

07/13/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75137	Web	Older American

07/07/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 43224	Postal mail

06/26/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 27604	Web

06/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27604	Web

06/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80233	Web

06/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77388	Web

05/23/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76131	Web

05/14/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70809	Web

05/10/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75040	Web

05/08/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 43147	Web

05/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48393	Web

04/20/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	SC 29436	Web

04/19/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	SC 29306	Web	Servicemember

04/05/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75287	Web

03/26/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OH 44060	Web	Servicemember

03/16/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 43110	Web

03/16/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	FL 32097	Web

03/16/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77065	Web	Servicemember

03/15/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	SC 29621	Web

03/13/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NC 27707	Web

02/24/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	NC 28334	Web

02/12/2017	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	MI 48073	Web

02/05/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NC 27610	Web

02/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43204	Postal mail

02/02/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	DE 19938	Postal mail

01/28/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 27592	Web

01/26/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	AZ 85339	Web

01/06/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	SC 29455	Web	Servicemember

12/28/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	LA 70806	Web

12/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	SC 29407	Web

12/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 78660	Web

12/16/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me instead of my attorney	SC 29445	Web

12/02/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 43221	Web

11/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt		Postal mail

11/22/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 32205	Web

11/08/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MI 48114	Web

11/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85339	Web

10/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30241	Web

10/24/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CO 80002	Web

10/24/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	CO 80002	Web

10/24/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	CO 80002	Web

10/16/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	TX 77338	Web

09/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 77065	Web

09/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 43026	Web

09/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	SC 29902	Web

08/02/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	SC 29486	Web	Older American

07/24/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NC 27616	Web

06/24/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 37520	Web

06/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 08104	Web

05/26/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CO 80016	Web

05/15/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77013	Web

04/10/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 94904	Web

03/01/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 27609	Web

02/29/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MI 48043	Web

02/27/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90014	Web

02/05/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	MI 48152	Web

01/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 77065	Web

01/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	KS 66763	Postal mail

01/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32246	Web

01/05/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	KS 66763	Postal mail

01/04/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MI 48089	Web

12/31/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OK 74011	Web	Servicemember

12/19/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NE 68506	Web

12/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48187	Web	Older American, Servicemember

12/16/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	TX 77338	Postal mail

11/25/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NC 27526	Web

11/06/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 48021	Postal mail

10/08/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	SC 29644	Web

09/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33881	Web

08/30/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	SC 29681	Web

08/28/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NC 28278	Web

08/21/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MI 48075	Web

08/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MO 63146	Web

08/12/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	SC 29920	Web

08/05/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77386	Web

08/05/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77377	Web

08/04/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	AZ 85730	Web	Servicemember

07/15/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 22306	Web

07/13/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OK 74964	Web

07/11/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 08054	Web

07/09/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33884	Web

06/28/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	AL 35010	Web

05/21/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 08021	Web

05/20/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30241	Web

05/14/2015	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NJ 08016	Web

04/07/2015	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NY 14057	Web	Servicemember

03/19/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MI 48035	Web

03/18/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 13440	Web

03/13/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	LA 70710	Referral

03/12/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 14228	Web

03/10/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 32065	Web	Servicemember

03/05/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 11960	Web

02/19/2015	No	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	OK 73112	Web

02/13/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AR 72802	Web

02/10/2015	No	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	NV 89432	Web	Servicemember

02/01/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OK 73112	Web

01/31/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 43223	Web

01/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 27587	Web

01/07/2015	No	Debt collection Medical	Taking/threatening an illegal action Threatened arrest/jail if do not pay	VA 22728	Web

01/04/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 63021	Web

12/31/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NC 27612	Web

12/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77449	Web

12/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77049	Web

12/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77429	Web

10/23/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	WI 53716	Web	Older American

09/28/2014	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77041	Web

08/27/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MO 63348	Web

07/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 31833	Web

07/27/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30117	Web

07/25/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 93443	Web

07/02/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NC 27529	Web

06/19/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 63131	Web

06/15/2014	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CA 92027	Web	Older American

06/03/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 12590	Web	Older American

05/30/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	AZ 85705	Web	Servicemember

05/29/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	AR 72756	Phone

05/14/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MI 48075	Web	Servicemember

05/13/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 33815	Web	Older American

05/12/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	SC 29445	Web	Servicemember

05/04/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	LA 71459	Web	Servicemember

04/16/2014	Yes	Debt collection Medical	Taking/threatening an illegal action Attempted to/Collected exempt funds	CA 92027	Web	Servicemember

03/19/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO 80125	Web	Servicemember

03/10/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 48154	Web

02/20/2014	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	OK 73003	Web

02/10/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77345	Web

02/07/2014	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	TX 75006	Web

01/04/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	CA 92154	Web	Servicemember

12/24/2013	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	GA 30240	Web

11/07/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AR 71909	Web	Older American

10/15/2013	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NC 28209	Web	Older American

10/07/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	SC 29420	Postal mail

10/05/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27529	Web

08/04/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	SC 29033	Web

07/12/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	LA 70808	Web	Older American, Servicemember