Capital Accounts, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/09/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 752XX	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C XXXX 1681s-2 ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. CAPITAL ACCT bal. {$65.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( XXXX ) Block of information resulting from identity theft. XXXX.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
09/29/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43229	Web
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ACCT bal. {$110.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
03/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29483	Web	Older American
On XX/XX/XXXX, Capital Accounts stated in part we have no way of knowing the details the creditor 's contract with the insurance company for the services he received in XX/XX/XXXX and XX/XX/XXXX. We also are not in possession of the EOBs ; the consumer is free to contact his insurance company and, if he believes there is a discrepancy, provide us with those EOBs so that we can evaluate his dispute. I have now obtained the EOBs from XXXX XXXX XXXX. Before discussing the discrepancies. I think it would be beneficial to recap the events, starting with my initial visit to XXXX XXXX. In the Spring of XX/XX/XXXX, I was looking for a new XXXX XXXX ( my insurer ) Provider in the XXXX, SC area. I selected the XXXX XXXX XXXX in XXXX, SC and had my initial consultation with XXXX XXXX on XX/XX/XXXX. At that visit, I was advised by XXXX XXXX that I needed to replace the crowns on two of my teeth. Even though I was experiencing no discomfort, I took XXXX XXXX recommendations at face value and agreed to proceed since I was told that the work would be billed to my insurance. I also knew that I would have co-pays from XXXX XXXX once the work was completed. The crowns were installed and the work completed in early XX/XX/XXXX. Subsequently, I dont remember ever getting a statement from XXXX XXXX, but, since my wife and I, at that time, were both going through some very serious medical issues, and checking for statements in the mail was not very high on my priority list. In XX/XX/XXXX, I had a routine visit with XXXX XXXX for cleanings. There was never any mention of any past due balance, nor did XXXX XXXX request any payments for the services provided at that visit. I then started to receive phone calls from Capital Accounts LLC. While I then remembered that I owed some copays from the work that was done, the amount that Capital Accounts was requesting seemed excessive. I seem to recall asking Capital for a detailed statement of the services that XXXX XXXX provided but do not remembering ever receiving same. At some point, I was tired of Capital Accounts continually phoning me and I finally agreed to a periodic {$20.00} monthly payment. A few months ago, I asked a friend to help me clean up my credit reports. During this process, he asked me some questions about the Capital Accounts claim which I could not answer. As a result, I filed my initial complaint with CFPB on XX/XX/XXXX in order to get additional information. As a result of my complaint, Capital Accounts sent me a copy of the SINGLE PATIENT LEDGER sheet from the XXXX XXXX XXXX which I had never seen before. One look at it and I knew there was a problem. It did not show any insurance payment for the work done on the crowns. I assumed that XXXX had failed to file the claims with XXXX XXXX. In their response, Capital Accounts said it was my responsibility to obtain the EOBs, send them to Capital, who would then evaluate any disputes. I then contacted XXXX XXXX and received the EOBs for the crown work which Ive attached. On page two it states that XXXX would not pay for this work since five years had to pass before a replacement crown would be covered by my insurance. I immediately called XXXX for a further explanation. I was informed that the same crowns that XXXX XXXX had replaced on XX/XX/XXXX were also installed on XX/XX/XXXX by my prior dental provider. XXXX also told me that XXXX XXXX ( as a XXXX Registered dentist ) should have called for a Pre-determination $ estimate on the major work to be performed XXXX XXXX XXXX did not do. XXXX further said that, had XXXX XXXX asked for the Pre-determine estimate, XXXX would have informed him that my insurance would not have covered this work. Had XXXX XXXX, in turn, informed me that the work was not covered by my insurance, there was absolutely no way that I would have told him to proceed, especially since I was experiencing no discomfort. It also now raises the question in my mind Was the replacement crown work even necessary? As far as I am concerned, the {$1700.00} for the crown work included on the Single Patient Ledger is not a collection issue, but a legal one. I now believe XXXX XXXX performed the work under misleading circumstances ( perhaps even fraudulently ). There is no way I am going to pay him for this unnecessary work. If you disagree with my assessment in any way, please explain your rationale for doing so I may fully understand your position. XXXX XXXX is free to bring a lawsuit against me for this amount, as it is his prerogative. I strongly believe, as does my attorney, that he will not prevail and I also believe I will be awarded any legal expenses that I incur in my defense. In summary, after deducting the {$1700.00}, there is a balance due of {$170.00} for copays on the other work which I agree is due to Capital, as XXXX XXXX agent. If you wish to recalculate the interest charges on this balance, that will be fine, but only if you provide me with the copy of the agreement that I signed allowing interest to be charged to me. If you recall, in my XX/XX/XXXX complaint to you, I requested a copy of said agreement, but you have not, so far, sent it to me. Otherwise, you have acknowledged that I have paid you {$500.00} to date, which means I have overpaid you {$320.00}. After you have had a chance to review the materials, I will expect you to send me a check for this amount. I am not sure you have my current mailing address. Please send to : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Thank you for your prompt attention in this matter.
07/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Account # XXXX XX/XX/XXXX CAPITAL ACCOUNTS XXXX XXXX XXXX XXXX, TN XXXX Notice To Agent Is Notice To Principle Notice to Principle Is Notice To Agent RE : Violations of Consumer Laws and FTC laws/guidelines To whom it may concern, BE ADVISED, this is not a refusal to pay. I dont accept or deny this debt account, and this is not a request of validation of this debt account. Im writing you to let you know that youve violated FTC laws/guidelines and my consumer rights. According to the Gramm-Leach-and-Bliley, Also known as the Financial Services Modernization Act of XXXX, Debt collectors are Financial Institutions. Why is this important? Let me explain. According to 15 USC 6802- Obligations with respect to disclosures of personal information, ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Your company has not given me two of the three legal disclosures a Financial Institution. I never received a disclosure letting me know I direct that such information not be disclosed to my consumer report, and I never received a disclosure giving me an explanation of how to exercise this right. That means you created an account, using my non-public social security number, on my behalf without Permissible Purpose ( my written instructions ). This also means you knowingly possessed and transferred information to my consumer report without lawful authority to do so, which constitutes as IDENTITY THEFT! 18 USC 1028A-Aggravated Identity Theft ( a ) OFFENSES. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) TERRORISM OFFENSE. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. Due to you not having Permissible Purpose to report anything to my consumer report, you are also in violation of 15 USC 1681N -Civil Liability for Willful Noncompliance . a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a Permissible Purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Due to this being matter of Identity Theft on the grounds mentioned above, I will be reporting this to the FTC. If this account is sold or reassigned, I will still hold you accountable for using, possessing and transferring my information and I will seek Damages and/or Violations of {$1000.00} per violation for : 1. NEGLIGENT ENABLEMENT OF IDENTITY THEFT 2. DEFAMATION OF CREDIT WORTHINESS 3. DEFMATION OF CREDIT CAPACITY 4. DEFMATION OF CHARACTER 5. AGGRAVATED IDENTITY THEFT per 15 USC 1028 6. VIOLATION OF 15 USC 6801- Protection of Nonpublic personal information 7. VIOLATION OF 15 USC 6802- Obligations with respect to disclosures of personal information 8. VIOLATIONS OF 15 USC 6803- Disclosure of institution privacy policy 9. DAMAGES PER FAIR CREDIT REPORTING ACT 15 USC 1681N 10. DAMAGES PER FAIR CREDIT REPORTING ACT 15 USC 1681O 11. Mental Anguish 12. VIOLATIONS OF 15 USC 1692 and ALL of its Chapters and subsections This is my final and only warning regarding this matter. I reserve the right to hold you accountable of my Consumer Rights to due you are violating them. I hope you understand the severity of this situation. Sincerely, XXXX XXXX
12/20/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 11003	Web
I had an outstanding debt of {$330.00} for an XXXX visit that the office did not make me aware of. I only became aware of this balance when I was contacted by debt collection agency Capital Accounts. Their mailing address is listed as XXXX. XXXX XXXX, XXXX, TN XXXX. Their phone number is XXXX. I was contacted by Capital Accounts in XX/XX/XXXX and this was the first time I was made aware of this outstanding debt. At that time I was offered a payment plan of {$40.00} a month to be paid on the XXXX of each month. I gave the Capital Accounts representative my credit card account information so they could automatically process the payment each month. Capital Accounts charged {$40.00} to my credit card on the XXXX of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX for a total of {$240.00}. After XXXX XXXX my outstanding balance was {$95.00} with Capital Accounts. On XXXX XXXX I requested that the payment plan be cancelled so I could pay on their website ( XXXX ), which would allow me to split the remaining amount into 3 payments. This would lower my monthly payment to {$31.00} for XXXX and XXXX, and {$31.00} in XXXX. The Capital Accounts representative agreed to this request and cancelled my {$40.00} a month payment plan for the XXXX of each month. When I logged in to the Capital Accounts website on XXXX ( less than 30 days since my last payment ) to initiate the 3 payment installments on my {$95.00} balance I saw that the balance was increased and displayed as {$110.00}. I immediately contacted Capital Accounts about this and received many different reasons why this additional amount was added. First I was told that my XXXX payment was processed on the XXXX and not the XXXX and was considered " late '' so interest had been added. I pointed out though that in XXXX my credit card had been on file and Capital Accounts had been processing the automatic payments so it was impossible for me to be " late ''. When the representative realized their reasoning was not well thought out they moved on to the next excuse why Capital Accounts charged me interest. When the " late '' XXXX payment was proven to be impossible on my part then it was stated that since I cancelled my payment plan on XXXX XXXX and did not pay the remaining balance immediately that this is why the interest was charged. I indicated that my payment due date had been the XXXX of the month and that today 's date was only XXXX XXXX so again I am not late. The response I then received is that if a payment plan is not in place the debt accrues interest. After speaking with a supervisor named XXXX XXXX I was able to get this interest charge removed. However, he told me that if I did not make a payment by the end of business on the next day, XXXX, that the interest would again begin to accrue. When I indicated I would like to set up the 3 installment payment for the remaining {$95.00} he told me that " if it were him he would just pay his bills and not try to get out of paying for as long as possible and not try to get out of interest being charged for as long as possible ''. I am contacting The Consumer Finance Protection Bureau to make them aware that : 1. Capital Accounts is charging interest on debt where the original debt did NOT have an interest accrual agreement. 2. Even when individuals are paying off their debt every month and there is n't a 30 day lapse in time for non-payment Capital Accounts is charging interest. 3. Capital Accounts gave multiple reasons ( aka excuses ) why this interest was charged and continually changed the reasoning based on my response. This shows that this decision is n't related to any outlined policy and is just an attempt to fraudulently collect more than the debt itself. 4. Capital Accounts employs individuals at the supervisory level, like XXXX XXXX, who put down individuals who are paying off their debt timely every month in attempt to shame them into not taking an installment payment plan which is offered on Capital Account 's own website ( screenshot attached as proof of 3 installment payment plan ).
02/19/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 127XX	Web
On XX/XX/XXXX, I went for a consultation at XXXX XXXX office to discuss the possibility of getting a XXXX XXXX procedure performed. XXXX XXXX warned me that insurance does not typically cover this procedure, but they are happy to try. We decided to schedule an appointment far enough in advance so that we could wait to hear from insurance before deciding to proceed. I was not working at the time, so I did not have the money to afford the full amount of the procedure, so we were hoping for a miracle from XXXX to decide to cover. I scheduled the appointment for XX/XX/XXXX. In between my consultation and XX/XX/XXXX ( I can try to provide exact date through phone records if needed ), the secretary of XXXX XXXX office called to inform me that XXXX agreed to cover the procedure that was discussed during the consultation. She said that they would cover up to 50 % per tooth over a certain amount ( she told me the numbers for when you DO cover the procedure ). I agreed to go ahead with the procedure even though I was going to struggle to pay for the procedure even after it was covered. XXXX XXXX said to me and my father, XXXX, isnt it great that insurance is covering this? before walking into the procedure room on XX/XX/XXXX. I paid {$740.00} to XXXX XXXX after the service was performed because this is the amount leftover from what XXXX agreed to pay XXXX XXXX secretary called me in mid-to-late XXXX to inform her that XXXX denied the claim. I did not have enough knowledge on how insurance claims and pre-approval worked, so my father, XXXX XXXX, spoke with XXXX and XXXX explained that pre-approvals are never done over the phone and that XXXX XXXX secretary called after the consultation and before the procedure, but the phone call was NOT a pre-approval because that is not possible. XXXX XXXX secretary followed up on XX/XX/XXXX claiming they called XXXX before the service for pre-approval and that XXXX gave pre-approval over the phone. She said that if they dont have any record of that, then it is XXXX problem and I am still responsible to pay. XXXX XXXX called back after the secretary hung up on me and claimed that they only told us exactly what XXXX told them ( what the price would be if they do cover ). I asked him to confirm that they never filed for pre-approval, and he said no we didnt, because you never asked us to. XXXX XXXX office continued to not be consistent with their story as the secretary still insists that she got pre-approval when XXXX called a few days later to let them know that we are filing a complaint with XXXX. My mother, XXXX XXXX XXXX, had services performed by XXXX XXXX ~17 years ago, and experienced a similar issue with XXXX XXXX not working ethically and not treating his patients with respect and morality in mind. XXXX XXXX actually called my family to apologize and admit what he did after my family complained about his unethical actions. XX/XX/XXXX, I got a phone call from a credit collector for ~ {$750.00} to be paid to XXXX XXXX. I have filed complaints with the American Dental Association as well as the NYS Attorney Generals office. I called the office on XX/XX/XXXX to let the office know that I am taking this to American Dental and NYS Attorney General and they are now saying that they never told me it was pre-approved and that they never used those terms. They inn fact did use the term with both me and my father. The secretary said it over the phone and XXXX XXXX said it to me and my father the day of the procedure. I DO NOT WANT THIS TO AFFECT MY CREDIT. THE DENTIST IS CURRENTLY BEING INVESTIGATED BY XXXX, ADA, AND NYS ATTORNEY GENERAL, SO THE AMOUNT THAT THEY ARE CLAIMING I OWE WILL NOT BE DISPUTED BEFORE IT AFFECTS MY CREDIT. I believe that this will be resolved in the next 2 months ( and their practice will hopefully be shut down ), but I don't want this to go on my record. It is exactly what they want because it would be easier and less stressful for me if I just gave them the money. If I do that, they will just do it to another person.
11/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 70005	Web
Our XXXX recommended a procedure for my daughter with a XXXX. My wife and I took my daughter for a consultation with XXXX XXXX XXXX ( a different office than our XXXX ) on XX/XX/XXXX. We thought that the prices that we were quoted were high from a XXXX that traveled to XXXX from Texas a few times a month. We informed our XXXX of our displeasure with the high quote, and he recommended another XXXXXXXX, XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX. We sent the XXXX and XXXX from XXXX XXXX and my XXXX to XXXX XXXX and my wife, XXXX, started conversing with XXXX XXXX XXXX Treatment Coordinator and Front Office Manager, XXXX XXXX. My wife informed XXXX that this procedure for XXXX was not emergent and that we thought that the quote was high from XXXX XXXX XXXX. XXXX assured XXXX that XXXX XXXX 's work would be much cheaper after reviewing the XXXX, XXXX, and notes from our XXXX and XXXX XXXX XXXX. XXXX asked XXXX to send us our cost after speaking with my XXXX insurance carrier, GEHA. Please see the attached email sent from XXXX XXXX ( Treatment Care Coordinator and Front Office Manager ) on XX/XX/XXXX. We were told that after verifying with XXXX 's XXXX Insurance that we would owe about {$360.00} per tooth after GEHA insurance paid their portion. XXXX had several more discussions with XXXX and we agreed to consider XXXX XXXX to perform procedure if we only had to pay approximately {$360.00} per tooth and if insurance would pay the rest. XXXX XXXX informed us in XX/XX/XXXX, of a Primary Treatment plan stating that would would owe {$220.00} x 2 for a total of {$440.00} and that insurance would pay the difference ( please see enclosed Primary treatment Plan ). After verifying again with XXXX XXXX 's office that we would only have to pay {$440.00} and insurance would pay the rest, we agreed. On XX/XX/XXXX, we were paid {$440.00} ( see receipt of payment and Primary Treatment Plan ). Please see " Statement '' from XXXX XXXX stating on XX/XX/XXXX Participating Insurance was contacted. After we assured multiple times from XXXX and XXXX XXXX that insurance would pay {$890.00} x 2 for each anatomical crown exposure and our self payment of {$220.00} x 2 would leave a XXXX balance. All of a sudden, we were contacted by XXXX XXXX stating that insurance denied the claim in XXXX. We asked XXXX how was that so when she assured us via telephone conversations, emails, as well as from Primary Treatment documentation that my Federal Government GEHA XXXX insurance would pay the difference after we paid {$440.00}. Also please see the " Statement '' document that chronicled every time that we would call " patient call '' to discuss. Every time XXXX spoke to someone XXXX, XXXX, or whoever, we were assured that these billing mistakes happen all of the time and not to worry. We were also told that we would not be put in collection. I am a man of principle and if you review my credit score history, you will see that it has been in the mid XXXX 's for the majority of my adult life. My wife and I always have payed our bills and our credit score and history at all three credit agencies can prove that. XXXX XXXX needs to hold his staff more accountable when they give out out incorrect information on how much patients need to pay for procedures. It seems as if that office is practicing predatory " bait and hook '' techniques when acquiring customers. This is why XXXX and I waited so long and made sure that insurance would cover this. XXXX and I have never had a late payment since the 25 years that we have been married. We take our credit and financial obligations seriously and our credit score and credit report over the years prove this. I told Capital Accounts LLC collection agency that I have paid the amount that I was informed in writing and verbally by XXXX XXXX XXXX XXXX XXXX that I would have to pay and that I am not paying anything else. After I was reported to credit agency, instead of having excellent credit and being within the top 5 % highest credit ratings, I now have good credit.
07/20/2020	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	FL 349XX	Web
I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. 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. 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 papers 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 the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or 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 to bring 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 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. 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 listing any information with 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 accurate. If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or 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 your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
04/24/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43402	Web
On XX/XX/XXXX I received a letter from Capital Accounts stating that I owed a balance of {$680.00} for services at XXXX XXXX. I called them to discuss the account. My children went to see the XXXX in XXXX of XXXX, and we had called our insurance company, and the XXXX 's office to verify that we did in fact have coverage for the regular checkup 's, and that the XXXX was in-network. Both XXXX XXXX, and our Insurance company XXXX verified that yes we are in fact covered. In XXXX I received a phone call and a set of texts from XXXX XXXX threatening to put us in collections if I did not pay the bill right then. We had not received a bill from XXXX XXXX, and I called our insurance company and spent 3 hours on the phone with a supervisor to verify that we were in fact covered. It came to the supervisors attention that XXXX XXXX never filed claims for the 2 visits, and she called them up and offered to help him file the claims, and connected him with the appropriate department. When the supervisor came back on the phone she stated that she understood why this was so difficult, and we were advised to file an internal claim and complaint with XXXX regarding this issue. We were counseled to submit 2 internal appeal request form 's regarding these issues, which we did. I was assured that these services were fully covered. Then we received the letter from the collection agency. I called the collection agency, and shared this information with them. I told them that we had not received a bill, and that our insurance company had not received a bill, or a claim. I told them that XXXX XXXX had called and threatened us, and would not send us a bill, but wanted us to pay over the phone. I asked if I could contact my insurance company and get back with them. I called my insurance company on XX/XX/XXXX and spoke with them at length, and they again assured us that we were covered, and that no claims had been filed by XXXX XXXX. I called Capital Accounts back, and shared that information, and I was told that I should just pay, and the insurance company would reimburse me. I stated that we had the insurance company contact XXXX XXXX to help them file a claim, and that didn't work, and to received reimbursement I needed a bill. I asked if they would be able to show me an itemized bill, and Capital Accounts told me that they would get that from XXXX XXXX. I called back on XX/XX/XXXX and they told me that they still were unable to get a bill, but if I did not pay that they would report us to the credit reporting agencies on XX/XX/XXXX. I was asked to call back in a week. I called back on XX/XX/XXXX and asked what the status was. They still hadn't received a bill. I asked them what would happen if they didn't receive a bill by XX/XX/XXXX, and she told me that whether or not I was reported to the credit reporting agencies was out of her hands. I asked them to remove us from collections, and was put through to a supervisor. I explained our situation to the supervisor who at that time told me that they were just a middleman. I explained that we had paid 1000 's of dollars for insurance, and that XXXX XXXX hadn't given us a bill, our insurance company a bill, and now Capital Accounts doesn't even have a bill -- I then stated that it felt like I was being extorted having a stranger call me and ask me to pay money for a bill that no one has ever seen, or else we will hurt your credit score. I was upset, and the supervisor was upset as well. He stated that he would again try to find a bill from the company, but they sometimes took a longer time to get that to them. When I asked what would happen on XX/XX/XXXX with regards to reporting to the credit reporting agencies he refused to answer me, stating that I was trying to entrap him. He ended the call stating that he would try and get the information and get back with me. So we now are hanging with the options of paying a bill that no one has seen, or have our credit report damaged.
01/26/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CO 80211	Web
I ca n't tell you if I will receive the information I need to verify the debt. I ca n't send a letter to request the debt, at least following common business practices. At this point, all I have received is a request for payment for a debt I may or may not owe. The instructions that came with the request said I should submit a letter of dispute within 30 days of receipt of the request. I read about how to do this on a number of websites ( including the CFPB site ), most all of which said I should send my letter registered mail. Unfortunately, Capital Accounts does n't provide an address to which a registered letter can be sent. All that is provided is a XXXX. Not to be deterred, I called the phone number provided on the request for payment, where I talked to a nice XXXX woman who could only provide me with the XXXX. XXXX address on the letter. I thanked her and moved on. However, within minutes, someone from Capital Accounts called me back! Her name is " XXXX. '' I asked " XXXX '' where I should send a registered letter disputing the debt. XXXX gave me an address - XXXX XXXX XXXX ( or XXXX - it was hard to understand her even though we went through the spelling three times ), XXXX XXXX, XXXX TN XXXX. Do n't use this address. Because it was hard to understand " XXXX, '' I went to verify the address using reverse look up. Two businesses exist near XXXX TN : ( 1 ) XXXX ( a quaint red-brick building with a drive up window ) @ XXXX. Again, not deterred, I looked up an address for Capital Accounts in Tennessee using the XXXX XXXX website. I was provided with XXXX addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX - and - XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Wanting to get it right, I called the XXXX number provided for the location on XXXX XXXX. Now, I have to admit I lied : I hit the " customer '' button rather than the " consumer '' button when prompted. I was not going to talk to XXXX again. And I was rewarded - I was put through to a native-English-speaking representative. I requested an address to which I could send a registered letter ... pause ... unexpectedly, I was transferred back to " XXXX. '' I told XXXX XXXX had apparently not written the address down correctly and she immediately transferred me to her manager, " XXXX XXXX. '' I told " XXXX XXXX '' what I needed and why. XXXX asked me what I was looking for and gave XXXX the highlights of my letter. While unable to give me any of the details I was requesting, XXXX did say he would mark my account as " in dispute '' and request an itemized billing statement from my one-time doctor. However, I said to XXXX, I still want to be able to send the dispute letter required by the request for payment. XXXX gave me the XXXX. XXXX address, again. I explained to XXXX that I could not send a registered letter to a XXXX and that I had XXXX addresses for Capital Accounts ( both above ). XXXX said to " forget about those - only the XXXX. XXXX will work. '' Lol CFPB is very clear about how to communicate with collections agencies : do it in writing. However, Capital Accounts offers no verifiable means of communicating in writing -- registered mail. In fact, it will do everything it can - including the old " pay no attention to the man behind THAT curtain '' game - to avoid following basic, ethical, business practices. As one of his former employees wrote about the current President of Capital Accounts, " Rarely in my 24 year career have I worked for someone whose level of integrity is only exceeded by his operational expertise and professionalism. [ He ] ... is a highly exceptional and tactful leader who truly values a collaborative approach that makes him a pleasure to work for. '' Unless, of course, you want to send the man a letter. Right, XXXX XXXX?
04/04/2019	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	SC 29483	Web	Older American
Following is Capital Accounts XX/XX/XXXX response to my complaint of XX/XX/XXXX : The attached registration form signed by the consumer states, " I understand that I am financially responsible for all charges whether or not paid by insurance. '' The EOB provided by the consumer likewise shows that he is responsible for the charges. Accordingly, we continue to believe that the debt is valid. Moreover, we have processed the consumer 's cease-communications request, and his contact information has been removed. MY NEW COMPLAINT : Thank you for a copy of the registration form that I signed when I first checked in at XXXX XXXX on XX/XX/XXXX. For the record, I have never disputed that I was not responsible for any copays or charges not covered by my insurance XXXX XXXX XXXX. To the contrary, I acknowledged this in my previous complaint when I said I owed {$170.00} for the copays for the work performed other than the replacement crowns. My dispute with XXXX XXXX is that he performed work that would not have been done had he acted in a reasonable, prudent, and responsible manner. Once again, my position is that XXXX XXXX ( as a registered XXXX XXXX dentist ) should have requested a Pre-estimate insurance quote from XXXX XXXX before proceeding with the major crown replacements. Per XXXX XXXX, he did not do so. Had XXXX XXXX requested a quote, he would have then had the responsibility to inform me that the crowns would not have been covered under my insurance. There is no question in my mind that I would have told him not to proceed with the work! With the benefit of hindsight, and given the facts that I have recently learned, I now have to ask myself Was the work really necessary? At XXXX XXXX initial visit, he told me that the crowns needed to be replaced which I accepted at face value, even though I was experiencing no discomfort. Per XXXX XXXX, crown replacements should last at least five years whereas both crowns in question had been replaced just three years before. Even if I were to accept that one crown could go bad in three years, what are the odds that two would go bad in the same timeframe? Given the facts outlined above, there is no question in my mind that the remaining balance of {$1700.00} on my account is a legitimate legal dispute between XXXX XXXX and myself and not an un-paid collection issue as Capital claims. Does Capital Accounts still disagree? If so, please explain your position so I may evaluate my options. There is another outstanding question. On three occasions, I have asked Capital Accounts to provide me a copy of the agreement that I signed allowing interest to be charged on my account. On each of their responses, Capital has apparently ignored my request. With the copy of XXXX XXXX registration form that Capital just sent to me on XX/XX/XXXX, it appears certain that I did not agree to allow XXXX XXXX to charge me interest and I most certainly did not sign anything with Capital allowing them to do so. Does Capital still maintain they have the legal right to charge me interest? If so, please explain your position and I will consider their answer. One last point Capital Accounts stated in their XX/XX/XXXX response Moreover, we have processed the consumer 's cease-communications request, and his contact information has been removed. I do not recall requesting any cease-communication request. Regardless, my contact phone number is still XXXX and my address is XXXX XXXX XXXX, XXXX, SC XXXX. Please update your records. Hopefully, the above will finally resolve this issue, but, if Capital Accounts provides any additional facts, then I will happy to consider them.
04/05/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 377XX	Web
Company : Capital Accounts XXXX XXXX XXXX XXXX, TN XXXX starting on Monday XX/XX/XXXX at XXXX EST, I started getting calls on my work number from this company, I told them I have not received any written notification of the debt, they stated it was sent Friday XX/XX/XXXX, I told them that was Friday this is Monday, and requested they Do not call my work number, I also stated I will be Disputing the debt, I was sent an email from them ( I responded, that I would like to dispute this ) I was told that they will be reporting me on the XX/XX/XXXX, I stated this is illegal I have 30 days from written notification to dispute, that I still had not received written notification, the next day XX/XX/XXXX at XXXX, I again get another call to my work number, and stated the same thing this is my work number, and please don't contact me on it, and that I had already responded to an email, the CSR stated `` they did not get it '' and I stated it was sent at XXXX on XX/XX/XXXX, I then again stated please don't call me on this number, he hung up on me, then at XXXX EST XX/XX/XXXX, I get another call from them on my work number, after I had already stated this is a work number please stop calling, and was told they are going to report me as of the XX/XX/XXXX, again I told them that is " illegal '' and to stop calling my work number, at XXXX EST, got a call on now my cell number, I was skipped traced, because they did not have my cell number, nor did the original debitter, I then asked how they got this number, and why was a skipped traced? they then hung up on me, I then called back and requested to speak with a manager, at this point I was again hung up on ... I then called back again requesting the same thing, I was again hung up on ... I had to use my XXXX and change my number to something not in the system, because they had then blocked my cell phone, after I stated that TN is a " one way state '' and that all inbound out bound calls to my house are recorded, they stated " it is against our policy to be recorded '' even though they are recording you.. I finally got someone whom claimed to be a manager " XXXX '' he refused to answer my complaints, and refused to assist me with my concerns, eventually he hung up on me, then I got to a guy by the name of " XXXX '' who refused to give me any prof of being a manager, other then his first name, XXXX just laughed at my complaints and my concerns and then stated " unless I have my credit care out and am willing to pay '' he is not going to help me ... the calls then stopped, its only because they know I record all my calls, the original letter then showed up at my house on XX/XX/XXXX, post marked XX/XX/XXXX ... I emailed them Wednesday explain my concerns, and requested the information on the original debt ... I then got a letter XX/XX/XXXX stating the following, Enclosed is the Itemization you requested, " this account has accrued {$46.00} in back interest and monthly interest for a total Balance of {$220.00} '' this is a medical bill, the original debt is for XXXX.. I have attached all the documents they have sent, I also did my homework on this company and they have many complaints, people have complained about the same things I have, lack of following FTC rules, asking to speak with manager and getting hung up on, when people have paid, they have not removed the debit from there credit report, they have been reported to XXXX and other places.. I am disputing the original debt, not that I don't owe it but the work that was done had to be redone by another dentist, I had gone to the dentist 4 times complaining of the work nothing was done..
08/07/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IA 506XX	Web
I had spoken w/ a rep from Capital Accounts regarding payment arrangements. I believe it was initially in XX/XX/XXXX. The gal told me that it would be reported to the credit bureau unless I give her my credit card or checking info. I advised her that I didnt want auto draft in case something happened that made the funds not avlbl. She said that it would be reported to the credit bureau if she didnt get those numbers so they can control the payments. I was confused as I advised I would make payments, and its not good enough? I asked to speak w a supervisor. Her supervisor stated that as long as I made the payments that would be fine, but did reference their definition on payment arrangement & promise to pay. There is no way that I would have gotten off of the phone without her w/ agreeing that my payment arrangements were satisfactory as I was trying to pay. She wasnt disputing the amount of my payment, just that she had to have my banking info make official payment arrangements. She was nice, and wasnt trying to argue. I felt ok about the call as I let her know I wasnt giving them my info, and thought that the issue was resolved, w/ my biweekly payments. XX/XX/18 I received an email about a notification of a credit issue. I looked into it, and turns out they had referred the account to my credit, due to no payment arrangements. I called Capital Accounts, and advised I had talked to her before ( my specifically assigned rep ), and her supervisor about arrangements. She proceeded to give me the definition again about a promise to pay versus actually having payment arrangements. So, due to me not having given them my checking account or credit card info, it was now reported to my credit. So, according to them, I didnt have ANY arrangements, but they had the info about the prior phone calls. I informed her the FDCPA doesnt state that you cant make payment arrangements w/o a checking account or credit card. She informed me that is the way " they '' do it. I advised I needed her supervisor again. I was put on hold, and I sat there for about 10 minutes, until my call was disconnected. This call started at XXXX. Then, I called back on my next break at XXXX, XXXX and XXXX. Each time someone asked me to hold, and shortly thereafter disconnected my call EVERY time! XXXX, I finally asked the rep answering to get me a supervisor, and not my assigned rep. She was the same supervisor that I spoke w/ originally took my call back in XXXX (? ). I said I had been hung up on repeatedly, but her response was that they dont show I called between the last convo w/ the other rep. I dropped it, because I was going to turn blue trying to tell her about how many times I was hung up on by my assigned rep. I went on to tell her my issue w/ my credit, and was snippy about it, and reiterated the previous reps spiel. That no credit card or checking info would not make any arrangements with them, just a promise to pay and that didnt qualify as arrangements w/o my cc or cking info. I advised her the last time I had reviewed the FDCPA, it didnt have any such stipulations. She said that was the way it was at their company, and there wasnt anything they were going to do to change it. I am very upset that my credit score dropped more than 50 points ( at that time I checked it just before and after ) due to this collections report. I made the payments available to them, and they did credit the account as it was originally just over {$2000.00}. I dont think its legal to report me negatively on my credit only because I didnt give them my CC or cking acct info. I was making payments.
11/21/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 223XX	Web
I am writing to request assistance on a matter related to Capital Accounts, a company with a known history of multiple complaints against its unjustified and unlawful collection practices, as demonstrated by the XXXX XXXX XXXX website : XXXX XXXX XXXXXXXX I am an individual who has had a near-perfect credit score for several years, indicative of my diligence in paying my bills in full and on time. I was completely shocked when I received multiple alerts through various credit monitoring applications that my credit score had taken a significant hit ( XXXX points ) in XX/XX/2022 due to a derogatory claim that was filed against me. I immediately researched this further as I had NEVER received any letters nor notifications from what turned out to be Capital Accounts, nor had I received any bills from the supposed medical provider in question, which I had not frequented for treatment since XXXX XXXX. In short, I had no knowledge whatsoever of the supposed debt, I had never received any medical bills in the previous 5.5 years on the supposed medical debt, and I never received the opportunity from Capital Accounts to dispute nor respond to this supposed debt prior to Capital Accounts placing a derogatory mark across all of my credit reports. I immediately contacted the credit reporting agencies, considering I had no other information outside of what I could see on my credit reports. Unfortunately, the credit disputing process is highly automated with minimal human interaction, however I was able to successfully obtain removal of the derogatory remark from XXXX credit reporting. It was especially frustrating to be fighting an unknown medical debt that was seemingly beyond the Commonwealth of Virginias statute of limitations for medical debt, which is five years. In XX/XX/2022, a month after derogatory remarks were placed on my credit reports, I received a letter ( the first ever ) from Capital Accounts stating I owed {$1000.00}. This letter, which misspelled my name, seemed to be in response to my attempts to dispute the listing through the credit agencies because it stated, we wish to resolve this dispute amicably. However, to reiterate this is the first communication I had received from Capital Accounts regarding this supposed debt. No further details were provided to support the validation of this debt. Because of the unprofessional nature of the first contact from Capital Accounts, I was concerned about attempting to engage with them directly, especially if they were a scam. I continued to attempt to work directly with the remaining two credit reporting bureaus to have the account removed from my credit reports. In XX/XX/2022, I received another letter from Capital Accounts attempting to cut a deal with me they were willing to satisfy-in-full the debt at a reduced amount of {$800.00}. This once again seemed unlike any debt collection practice I had ever encountered. I am requesting assistance to remove the remaining debt balances from XXXX and XXXX reporting. The supposed debt is beyond the statute of limitations for collections in the Commonwealth of Virginia, and I never received the opportunity from Capital Accounts to validate nor dispute the debt prior to the derogatory reporting which impacted my credit score by approximately XXXX points. It is completely unacceptable that a company can have access to your personal information in order to ruin your credit score, but can not seem to spell your name correctly, write coherent letters, provide notice of the debt, nor provide the opportunity to dispute or validate the debt.
10/08/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30315	Web
On XX/XX/2021, I disputed Capital Accounts Collections account on my consumer reports via XXXX, XXXX, and XXXX as inaccurate. The account showed a balance of {$790.00} and original creditor as XXXX XXXX XXXX XXXX. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all XXXX requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. On XX/XX/2021, I contacted XXXX and on XX/XX/2021, I contacted XXXX and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to immediately stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX, never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021, I submitted a complaint via CFPB website. On XX/XX/2021, I contacted Capital Accounts via telephone, representative XXXX XXXX asked me to confirm my address at XXXX XXXX XXXX XXXX XXXX, GA XXXX, I replied it was an old and bad address and that I did not have a current address or mailing address. XXXX XXXX confirmed the full account number ( XXXX ) associated with my name and confirmed it was a medical account. I asked XXXX XXXX for a copy of my contract and a pay off quote to be emailed to my business email address. XXXX XXXX replied they were just a collection agency and credit reporting company and could not produce the contract but confirmed a balance on the account of {$810.00}. I asked to be transferred to a supervisor because I only wanted to state my demands once. XXXX XXXX came on the line and I stated to XXXX, XXXX XXXX confirmed they were a collection agency and credit reporting company and confirmed this alleged debt is a medical account. I stated to XXXX XXXX that I have studied my federally protected consumer rights and demanded an immediate and permanently removal of the account and stop communicating with all 3rd parties in relation to me, the consumer, because I, XXXX XXXX XXXX never directed verbally or in writing to report or communicate anything about me. I stated if they fail to address my demands, I will continue to enforce my federally protected rights. On XX/XX/2021, XXXX, representative of Capital Accounts contacted me via telephone in regards to XXXX XXXX XXXX XXXX. I asked how she got my location information. XXXX replied I was asking a question that I should already have the answer to. I explained to her, I did not have the answer, again I asked how did she get my information? XXXX stated, she was calling on behalf of a debt to XXXX XXXX XXXX XXXX with a balance of {$810.00} and asked how I would be rectifying the debt today? I replied for Capital Accounts to immediately stop reporting and permanently remove the account and to stop all communication with all parties in regards to me and any alleged debt. I ended the call to call back and ask for a supervisor. I encountered representative XXXX who asked me to confirm my identity, XXXX XXXX XXXX, I replied I did not know how they have that information and asked to be transferred to a supervisor. Supervisor XXXX XXXX came on the line and I demanded for Capital Accounts to immediately stop reporting and permanently remove the account and to stop all communication with all parties in regards to me and any alleged debt. As of today, XX/XX/2021 is still being furnished on my consumer report via XXXX, XXXX, and XXXX because I had never directed them verbally or in writing to communicate anything about me.
06/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77008	Web	Servicemember
I am making a complaint against Capital Accounts for violating the Fair Credit Reporting Act and my consumer rights. As a federally protected consumer I am identifying the Capital Accounts was never given my permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owed. Additionally, Capital Account was notified within the 30 days of the collection statement dated XXXX/XXXX/2022, that this account was in dispute but continue to proceed with further action and reported this alleged item on my consumer profile. I am noting that Capital Accounts has committed multiple violation under the FCRA and the FDCPA by furnishing this alleged debt on my consumer report. These violations are as follows : 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) - report containing information solely as to transactions or experiences between the consumer and the person making the report. You were not party to this alleged transaction, thus was never authorized by me to report the alleged transaction. These alleged services were with XXXX XXXX. 15 USC 6802 ( 1 ) - a financial institution may not disclose nonpublic personal information to a nonaffiliated third party. Capital Accounts is nonaffiliated third party as it relates to this alleged transaction. 15 USC 1692f - unfair collections practices - ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I have verified with alleged original creditor there was never a contract for these alleged services. Capital Accounts was not provided with an agreement between me and the alleged creditor XXXX XXXX. There is no contract that exist for these services, nor XXXX XXXX have any documentation that authorizes the release of any my personal information. 15 USC 1692 j ( a ) - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Again, you were not party to this alleged transaction, regardless of representing that you were retained by such alleged creditor. 15 U.S.C. 1681c-2 ( c ) ( 1 ) ( c ) - provide consumer with any valid or actual documentation validating this account or obtaining proof validating that I had obtained possession of any goods, services, or money because of the alleged transaction. 15 USC 1692d ( 2 ) - The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Your representatives indicate all calls are recorded for monitoring and quality assurance purposes, on XXXX XXXX, 2022, and specifically XX/XX/2022 at approximately XXXX, I spoke with representative XXXX XXXX ( if real name ), who used several obscene words and his tone was extremely offensive and abuse ( worst violation of them all please listen to call ). I also recorded these calls and identified this to the representative. And at that point in time, I requested to verify with him that you are able to identify calls based on date, time and consumer reference account. Additionally, I provided Capital Accounts with a FTC identify theft report and this information has ignored to date.
09/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98032	Web
I checked my credit score with my bank app and found an item in collections for a dentist I hadn't seen since XXXX. I called the collection agency and spoke with them on XX/XX/XXXX informing them it wasn't my debt. I was told to call the dentist office and verify the charges. I googled XXXX XXXX XXXX and called the number but the voicemail said it was another dentist 's office. I left a voicemail with them. I called the collection agency back, Capital Accounts and was told that the charges are mine and asked me if I wanted to pay on it. I told him I'm not paying for anything that's NOT mine. So I asked him if they called the dentist 's office to verify that the information was correct and was told that they always side with the one who turns everything over to collections. I asked him if he was aware that the dentist is not longer in practice? He said it didn't matter because someone was submitting his bills to collection. He also said he could send me a copy of the statement to my email. When I reviewed the statement, there were charges from XXXX all the way up to XXXX. I had quit working at Virginia XXXX XXXX XXXX in XXXX. My husband, XXXX XXXX, continued working at Virginia XXXX from XXXX until XXXX and saw XXXX XXXX on a regular basis for teeth cleaning and exams. I was seeing a dentist in XXXX, Washington. So I sent an email back to Capital Accounts informing them that the charges on the statement belonged to my husband XXXX XXXX and not me. I never received a response from them. I then submitted a dispute with XXXX XXXX XXXX on XX/XX/XXXX. I received a response back from them on XX/XX/XXXX stating they were informed that the charged belonged to me so it stays on my credit report. I submitted a second dispute with XXXX XXXX XXXX on XX/XX/XXXX explaining that the information the collection agency is incorrect because the charges belong to my husband, XXXX XXXX. I then submitted a complaint with CFB on XX/XX/XXXX regarding this issue. I have attached the entire explanation in the section for attached documents. I received notification today, XX/XX/XXXX, from XXXX XXXX XXXX saying that the collection agency stated the charges belong to me and it will not be removed from my credit report. I called the dentist office again and asked if XXXX XXXX was in and was told that he retired. I asked when he retired and was told he retired back in XXXX. So I explained my situation to her regarding the bill being sent to collection, the charges not belonging to me and that they belonged to my husband. She states that they took over XXXX XXXX 's office along with some of his patients. She asked me my name so she could look me up in her system and said I wasn't in there. She then looked my husband 's name up and he wasn't in there as well. I asked her who took over XXXX XXXX 's billing and she said she doesn't know who could be doing it. I called the collection agency back and told them that the dentist retired in XXXX and that the information on the statement could not be verified and he was adamant that the charges belong to me and he has to go by the statement he received. I have been distraught over this and in tears, stressing out because I've been on XXXX since XXXX and I've recently been trying to find a XXXX home to accommodate my XXXX but am having trouble because I am being declined due to this ONE blemish on my credit report that DOESN'T belong to me.
07/17/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90603	Web
Dear Consumer Financial Protection Bureau- This correspondence dated XX/XX/XXXX hereby disputes the alleged collections account noted on my credit report by Capital Accounts , and requests that Capital Accounts remove this alleged debt from its system and notification to all three credit bureaus. Below is a historical account of the facts as I know them, including my correspondence to Capital Accounts on XX/XX/XXXX that was sent registered mail signature requested and was not responded to by Capital Accounts as is required under the Fair Debt Collections Act ( FDCPA ). - On or around XX/XX/XXXX I received an alert from XXXX XXXX of a collections placed on my XXXX Credit file. Upon further investigation with XXXX, the alleged collections account from XXXX XXXX stated an amount owed of {$700.00} dating back to XX/XX/XXXX. - On XX/XX/XXXX, I initiated a Dispute with XXXX. I have no existing debt with XXXX XXXX and have a XXXX balance as demonstrated in the attached pdf file with the historical backup. - On XX/XX/XXXX I mailed Capital Accounts at their XXXX XXXX XXXX, XXXX, TN XXXX address via registered mail, signature requested. I received signature confirmation by United States Postal Mail, with photocopy included in the attached pdf file. In my correspondence to Capital Accounts, I requested in writing the information that is my legal right to request under Fair Debt Collections Act ( FDCPA ), including the name and address of the creditor to whom the debt is owed, verification and documentation of the valid basis for the claim, among others. My letter clearly stated that should Capital Accounts fail to provide me information in writing within 30 days as is required under law, all references to this alleged collections shall be removed from all credit reporting agencies. The complete list of requested information is included in the attached pdf file. Please note that Capital Accounts has yet to respond to my letter, as they are legally required to do so under FDCPA. To date I have not received any correspondence from Capital Accounts. - On XX/XX/XXXX I visited XXXX XXXX to get a historical print out. The document is attached, and as you notice I have a XXXX ( {$0.00} ) balance. My medical provider pays the dentist, and I then in turn provide payment for any copays. As of XX/XX/XXXX there is a {$0.00} balance owed to XXXX XXXX. - On XX/XX/XXXX, I received a notice from XXXX that the alleged Capital Accounts collection was removed from my credit report. A copy of that notice is included in the attached pdf. - On XX/XX/XXXX, I received an alert that Capital Accounts had again placed an alleged collections on my credit report, this time on both XXXX and XXXX. I immediately started the dispute process with both XXXX and XXXX credit reporting agencies. - On XX/XX/XXXX, I visited XXXX XXXX. Ive attached that statement which clearly shows a {$0.00} balance. My account is current and not delinquent. - On XX/XX/XXXX, I contacted Capital Accounts by telephone at ( XXXX ) XXXX to dispute the alleged collections. Not only could they not specify details about the alleged collections, but when I stated the amount does not belong to me, they threatened to place the alleged amounts on my childrens names. At that point I stated I would file a complaint with the Consumer Financial Protection Bureau.
01/10/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 92882	Web
I spoke to your company before and informed you that I am in dispute with the medical service provider and that you needed to validate this debt but it appears you have refused so I am sending this letter to you. Be advised, 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 office provide me with competent evidence that I have any legal obligation to pay you : What the money you say I owe is for ; provide a detailed, plain and simple list ( not coded ) of any and all services or goods you claim I received a line by line itemization of charges ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers 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 ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. If you have I demand you send me a deletion letter today until such time as this is resolved. I have my phone records to prove I have spoken to you and made this same demand verbally. This would be construed as knowingly violating the law. 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 can provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist including any reporting to any credit reporting agencies. 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. This includes 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.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 or correspondence sent to 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. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
01/03/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 22182	Web
On XX/XX/XXXX, I filed complaint # XXXX regarding Capital Account 's repeated harassment at work, intimidation, and misrepresenting themselves as agents of the US government to senior citizens regarding an alleged debt that I owe. Additionally, they have now as of XX/XX/XXXX fraudulently reported this unobligated debt to the credit reporting agencies without advanced consumer notice or providing me the opportunity to review the claims as they promised I would be able to. For context, I wrote to XXXX accounts on XX/XX/XXXX detailing my disputing of the debt, request of notification if the unobligated debt is to be reported to any credit reporting agencies, as well as highlighting that the debt is disputed, in addition to filing my first complaint with CFPB. Email text provided below for context ; XXXX Accounts has yet to respond to my consumer inquiry for over XXXX weeks. As you can see via the XXXX Account response to complaint # XXXX, they falsely decline calling both myself and elderly relatives ( even though this is proven via cellular work phone records ), and state that they " ... will request an itemization of your account from your original creditor. Once received, we will forward that to you at the address you provided on your correspondence here. '' This was never provided, and XXXX Accounts proceeded to file false information with the credit bureaus. Since XXXX Accounts is repeatedly acting illegally in bad faith, has elevated harassment to a level that has negatively affected my credit score without a proper chance for consumer validation of alleged debt, and continues to operate outside of legal collection laws, I am requesting the CFPB 's assistance again to have XXXX Accounts remove the false debt obligation from the credit bureaus until such time that they can provide proof / detailed documentation / receipts of any alleged debts owed so I have the opportunity to share with my attorney and dispute. XX/XX/XXXX email to XXXX Accounts at " XXXX '' " Dear XXXX Accounts, I am responding to your contact about a debt you are attempting to collect. You contacted me by phone, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. In addition to continuously calling me at my work number which does not allow personal calls, you also contacted several of my associates misrepresenting who you were, misstating alleged amounts owed, and harassing family members. Please stop all communication with me and with this address about this debt. I have contacted the Consumer Financial Protection Bureau and reported your company 's harassment, including my phone records from work that you are unauthorized to call, and harassing senior citizens while misrepresenting both your company and amounts of money allegedly owed. Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Thank you for your cooperation. Please confirm receipt and notice. ''
10/10/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 773XX	Web
I filed complaint with CFPD XX/XX/2018, # XXXX. The company Capital Accounts LLC responded XX/XX/2018 stating the same exact word for word response as they do to credit bureaus. I was advised by all three major credit bureaus to send the exact documentation to your organization and CFPD would have it removed because I do not owe this debt. After the company Capital Accounts LLC responded, my case was immediately closed within 5 minutes. This is not an investigation. I request a full investigation. I called CFPB immediately and was told that my attached documents ( which all was in 1 attachment ) had not been reviewed and to submit a new complaint and she was flagging my first complaint to be further investigated. I was told by the representative that this complaint should have resulted in the negative trade line should be removed from my credit file as it is direct, black and white proof that this debt is not owed. I will attach the documents ( in one attachment ) again. I ask for each one to be reviewed. I request the negative trade line to be deleted permanently. Capital Accounts claims I owe {$120.00}, as stated in their letter to me, however in their response they claim I owe {$100.00}. -Texas Consumer Protection Statutes : 808. Unfair practices, 15 USC 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Capital Accounts has committed a violation. Capital Accounts LLC also blatantly lied regarding their statement that when a copy shares medical records to a debt buyer, that that is not a HIPPA violation, when in fact it is. No debt buyer or collection agency should be given medical records when a debt is purchased. Especially when the debt is not owed. All medical providers require their HIPPA form to be signed before an appointment. I did not give consent to Capital Accounts LLC to have access to my child 's medical records. Nor did I give consent to XXXX XXXX XXXX to share mine or my child 's medical records. Both companies have committed a federal law. Capital Accounts LLC states that XXXX " opined a medical provider does not violate HIPPA when it shares medical information with a hired debt buyer ''. This statement is 100 % false. XXXX has just informed me that it is a violation as well. The patient 's rights have been violated. A debt buyer should not have the medical records. This is a violation on numerous federal laws. I request further investigation into this false claim that this debt is owed. I request that each document I have provided in my ( 1 ) one attachment be reviewed. I request the debt to be removed from my credit files. I also request that Capital Accounts LLC be held accountable for their deceptive trade practices and credit reporting. Thank you for your time and assistance.
04/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 07050	Web
This company fraudulently put a collection on my credit profile even though the bill was paid. The initial bill was sent in error to the company, who claimed they sent out correspondences but also stated my account has been in collections since XX/XX/XXXX. However, my wife and the provider 's wife XXXX, have been in constant contact regarding the bill. The provider was advised to submit the bill to us via email so we can present it to our HRA to be paid ; unfortunately, the bill XXXX submitted more than once was denied payment because it was an unacceptable format. Since I moved during that time, I was unaware that they were not paid ; until we received an email from the XXXX in XX/XX/XXXX. Immediately my wife contacted XXXX and provided her with our credit card over the phone, to which XXXX said she didn't know how to process the payment without the card being present. My wife then took off work and went into the office and paid the bill and XXXX gave her a card, wrote the amount and the word " paid ''. My wife then submitted that card to the XXXX for reimbursement, which was denied and had to go into the office for a proper printed receipt. During this time, we moved again and received a forwarded letter from Capital Accounts. My wife called to let them know this bill was already paid and believed this was an error since XXXX is elderly and spoke with XXXX on XX/XX/XXXX at XXXX. XXXX asked for a copy of the receipt which my wife informed him then that she is still waiting for a proper receipt to present to our XXXX and XXXX then stated he would initiate an investigation to contact the provider to verify the information. Since then, my wife finally received the proper copy of the receipt and since we have not heard anything from Capital Accounts, we assumed they too were given confirmation of payment. However, on XX/XX/XXXX Capital Accounts confirmed the debt was still unpaid on my credit report. We called them back on XX/XX/XXXX at XXXX and spoke to XXXX, who basically tried to strong arm us into paying this bill again and was unwilling to do research to see if that investigation was ever initiated or if the provider ever received payment. He also said even if I paid it Capital Accounts still had it as due and I would need to pay it to make it go away. We disconnected that call and called right back and spoke to XXXX at XXXX. XXXX was briefed on the same and stated he is unable to do anything but put in a request to contact the provider but the only other option would be to pay the bill and get reimbursed from the provider. This is affecting my credit and is unfair to me as a consumer since my wife and I have been in constant contact with the provider 's wife XXXX ; although she's older, there's no need for me to be penalized for either an oversight or negligence on the part of the provider 's office or the collection agency ; who should not have had my account as it was already paid. The fact that Capital Accounts refuses to verify the payment and is constantly suggesting I pay the amount in order to have it removed from my credit report is alarming and in my opinion a bullying tactic.
10/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 773XX	Web
A debt that has been fully investigated has been permanently removed from XXXX and XXXX Credit Bureaus years ago. It remained on XXXX and have disputed this debt numerous times. I have provided all documentation and proof that this debt is not owed. That in fact, XXXX XXXX XXXX was paid by XXXX XXXX XXXX XXXX of Texas after the XXXX doctor 's office submitted the required proper forms, just like they did with my son during the same appointment time. The email I provided shows that the Dr 's office made a mistake and that everything would be resolved once they submit the form they're required to send in. They even apologize in the email. No procedures were started or completed that was not covered by our insurance. A doctor 's office verifies insurance before patients are allowed into the back offices. Insurance was verified. The XXXX Dr 's office was paid. However, they reported this office visit as a debt to credit bureaus until they were paid. That's when I disputed it. It was investigated and removed from XXXX and XXXX credit reports. XXXX XXXX associates removed the trade line with all credit bureaus and then sold the debt they were reporting and I have been disputing it ever since. -Letter ( Exhibit 1 ) to XXXX requesting an investigation for debt Capital Accounts reports on my credit file. -I sent Certified Letter dated, XX/XX/XXXX, to the debt collection agency and requested they validate the said debt ( Exhibit 2 ). -They signed for the letter XX/XX/XXXX ( Exhibit 3 ). -I have provided their response letter for your review ( Exhibit 4 ). *Not only are they reporting a debt that is fraudulent, they are also adding to the amount which they aren't allowed to do. -Additionally, ( Exhibit 5 ) is a direct violation of HIPPA . Capital Accounts sent me a document which contains medical information of a minor. Procedures completed and the diagnosis of the procedures. A debt buyer is not to have access to medical files. Companies or Medical provider may not pass on ANY medical records when selling a debt to a debt buyer. This is very illegal. This is what has occurred. -I immediately completed a research request form ( Exhibit 6 ), a dispute letter ( Exhibit 7 ), and provided all the documentation ( Exhibit 1,2,3,4 ) that XXXX has already seen and ignored, as well as email ( Exhibit 8 ) from XXXX XXXX XXXX back on XX/XX/XXXX and a notification from XXXX dispute results ( Exhibit 9 ) stating they have fully investigated and it was deleted from my credit file. I request an investigation by your organization. Numerous laws have been committed and it is all of a debt that is not owed. I request you to please hold Capital Accounts accountable to their illegal credit reporting practices. Please notice that another increase on my credit report has occurred again today, XX/XX/XXXX. Capital Accounts also reports monthly lates/past dues to credit bureaus. They should be held accountable for their criminal, deceptive behavior. I do not owe this debt! I thank you very much for your time and assistance.
06/15/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	LA 70123	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX XXXX sent a fraudulent unpaid debt to collections for a XXXXXXXX XXXX XXXX that occurred on XX/XX/XXXX. This was a test that was marketed to the public as " free '' with insurance which I held at the time and provided. As of today, I've had a medical billing agency ( XXXX XXXX XXXX ) contact me, then XXXX XXXX ( another debt collections agency ), and now Capital Accounts LLC all call several times and send me mail on many occasions regarding this fraudulent charge. XXXX has stopped calls. XXXX XXXX XXXX sold the debt to Capital Accounts LLC. Capital Accounts is fraudulent claiming that they did not buy the debt and is collecting on behalf of XXXX XXXX confirmed they sold the debt. XXXX confirmed they have a XXXX balance ( likely because of the original sale of the debt ). This was a XXXX test that nearly everyone in this nation received at one point or another over the last several years. The CARES Act or the No Surprises Act should be offering some protection here in my opinion. As a note : the medical billing agency that originally called me over a year ago led me to believe that this was an act of balance billing they were inquiring about which is why I mention the No Surprises Act. XXXX claims the debt is a XXXX balance on their end. From what I can tell on the itemized bill, no attempt to bill the insurance was made until XX/XX/XXXX - 2 years later. This is way beyond the reasonable time an insurance company would typically allow and by the time they billed I was using a different health insurance provider and there runout period had ended. Instead of Insurance denying the claim due to unreasonable billing time, they denied it stating I no longer held a policy since my company provided health insurance changed in XXXX. They are unwilling to assist in resolving the debt with any collector. Every time I ask for an itemized bill from the collection agency- they send it to me in order to abide by the laws set out but it shows a XXXX balance because they have already sold it to a new debt collection agency to allow it to become their problem. My belief is they are selling the debt because they know any litigation surrounding a collection of {$800.00} for a XXXX XXXX XXXX XXXX, that they did no due diligence in investigating the proper charge, is something they want no part in. PLEASE HELP I really don't want to get involved with a lawyer but this is becoming a major inconvenience as I use my phone for business. The ethical bounds of harassing people for {$800.00} for a COVID TEST is absolutely insane. While I'm not sure if this meets the criteria of harassment there has to be some detail I've provided somewhere that can get these people to stop. I can't imagine how many other people in Louisiana, XXXX may have done this to and they paid it because they were scared.
04/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92656	Web
Capital Accounts made no attempt to contact me ( if they dispute this they should provide a Certified Mail Return Receipt ) before beginning to assess fees on and reporting this supposed debt to the credit bureaus resulting in significant damage to my credit score. I only learned of their actions against me when I noticed a large drop in my credit score in XX/XX/XXXX. After pulling my credit report to figure out what was going on a supposed debt opened on XX/XX/XXXX and reported in XX/XX/XXXX from Capital Accounts was the culprit. This supposed debt is something from XXXX that I have already paid. My first attempt to resolve this with the company was a notice of my disputing the debt sent by certified mail on XX/XX/XXXX. After waiting more than a week from the date my letter was signed for and receiving no response I submitted my first complaint regarding this company 's behavior. This was in regard to the lack of any notification about my right to dispute the debt or any notice that they thought I owed a debt at all. The only proof of the debt the company has offered ( in response to the first CFPB complaint ) is a copy of an old ledger which obviously is not proof of any kind. I reached out to the company by email on XX/XX/XXXX asking for a copy of the documentation relating to their claimed attempts to contact me. After their non-proof response to the initial complaint I finally had a time frame to investigate my records for. That is how I managed to locate the letter sent to the original creditor and after further searching the transaction record. Two days later I followed up with a second email asking for a response to the letter sent to the original creditor. I have received no response from the company to either email. The only contact I have received from this company, besides the damage to my credit score they have caused, was the ledger they provided to CFPB! This is obviously unprofessional and unacceptable behavior from a company that is causing harm to my financial well being and my health ( due to the added stress of this aggravating existing conditions ). Attached is 1 ) a copy of a letter to the original creditor sent XX/XX/XXXX regarding prior billing issues and a customer copy of the payment authorization form for the dates in dispute 2 ) the transaction details from the bank for when the payment authorization was processed effective XX/XX/XXXX. I am sure that Capital Accounts will try to place the blame on the original creditor but the fact of the matter is that Capital Accounts continued taking these negative actions against my credit score even after being notified the debt was disputed. Simply blaming bad information does not absolve them of their behavior. This company is obviously pursuing this supposed debt in bad faith and is engaged in unacceptable business practices.
05/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78229	Web
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Phone # XXXX Debt Collection Agency - Capital Accounts LLC XXXX XXXX XXXX XXXX, XXXX XXXX Phone # XXXX Original Credit Debtor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX Phone # XXXX Billing- XXXX Capital Account called me Saturday XX/XX/XXXX. After confirming my identity they stated that I was in default with a debt and that I owed {$1800.00}. I replied that this was a not my debt and that there must be a mistake. They again confirmed my identity and stated no this information had been provided the original creditor and I was in fact in default and owed the money. I responded then this is identity fraud as I have never visited this doctor, I live in XXXX XXXX, XXXX, and I have health Insurance. He became very irate and belligerent. At this point I hung up as I thought it was a scam. On Friday XX/XX/XXXX I received a credit alert on my XXXX XXXX Account stating that there was a collection of {$1800.00} on XXXX XXXX XXXX. My score dropped 30 points. I was shocked. On Saturday XX/XX/XXXX I received a phone call from Capital Accounts LLC confirming my identity and requesting payment of {$1800.00} for collection of debt. I explained to the individual again that I believe this is identity fraud as I have never visited this doctor, I live in XXXX XXXX, XXXX, and I have health Insurance and if I did I would have paid him. She stated that I would need to contact the creditor directly to resolve it. On Monday XX/XX/XXXX I contacted the Doctor 's office directly speaking with the billing department. She confirmed that the individual in question for the outstanding debt was not me. She confirmed my age, address, and social security number. She stated that the collection agency was in error and she would contact them directly. Which she did and called me back stating that the Capital Accounts LLC would be contacting me and retracting the negative collection on my report. On XX/XX/XXXX, I still had not heard from anyone. I contacted the Capital Accounts directly and immediately they attempted to state that I owed the debt of {$1800.00}. After a few minutes of the collectors rant I informed her of my discussion with the original creditor and that I was waiting their call to discuss when my negative collection would be removed from the Credit Bureaus. She rudely stated it could take anywhere from 30-90 days. To be treated so terribly was shocking. The collection agency was able within days to discredit my Score and Credit Report with all 3 credit bureaus with no evidence, physical proof or documentation. I have had to prove my innocence, but they don't have to prove my guilty? And now I could wait up to 90 days for this to be resolved. Will this actually be removed completely? You don't treat people like this ...
10/14/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 438XX	Web	Servicemember
This is in relation to Capital Accounts LLC, address showing on my XXXX credit report is XXXX XXXX XXXX, XXXX, TN. Phone number XXXX. I saw a collection account on my credit report for the amount of {$660.00}, owed to XXXX XXXX. This was surprising to me, as I had only ever in my life been to one XXXX, and it was one located 2 miles from my house ( XXXX is located in XXXX, OH - a place I have never been ). Clearly this account was not mine so I contacted Capital Accounts to have it removed from my credit report. When I first called on XX/XX/XXXX at XXXX ET, they could not locate me based on my information - name, social security number, date of birth, phone number, etc. This should have been a red flag for them but they required me to go back to XXXX to get the unredacted account number for their own collections account. This was an inconvenience but there was no other way to proceed, so I did so. I then called Capital Accounts LLC back on XX/XX/XXXX at XXXX ET. I gave the representative ( XXXX? ) the account number and she asked me again for my personal information, which she indicated did not match what they had on their side. Again, this should have been a red flag for them but they indicated they would contact the client ( XXXX XXXX ) to figure out what went wrong and that they would call me back on either Monday XX/XX/XXXX or Tuesday XX/XX/XXXX at the latest. Having not heard from Capital Accounts, I called them at XXXX on XX/XX/XXXX to check the status. The representative on the line was rude and told me I would " just have to wait until they called me back ''. He then proceeded to rudely hang up on me. After this call, I decided to directly call the XXXX in question ; the lady there was very receptive, quickly identified that the account was not mine, and agreed to reach out to Capital Accounts to have the issue corrected. My complaint here is that Capital Accounts LLC wields a fair amount of power in placing collections onto people 's credit reports ; an errant entry there can wreck a consumer 's credit score and cause real damage ( monetary and otherwise ) as a result. I felt that Capital Accounts LLC was disorganized and unwilling to assist a consumer who clearly had been incorrectly tied to a collection - all of that on top of their lack of diligence in the first place in terms of how they tied the collection account to me ; it appears they did nothing more than look for XXXX XXXX ( a fairly common name ) born in the same month and year as I, and grabbed the first person they saw ( or perhaps grabbed the first one with an excellent credit score ). This company needs to fix their processes or, failing that, should be shut down. I sincerely hope that no other consumer has to go through what I went through here.
04/17/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NC 27703	Web	Servicemember
Myself and spouse visited XXXX XXXX XXXX XXXX, RI ( now XXXX XXXX XXXX, RI ) on XX/XX/XXXX. A colleague at work referred me and I did not think of checking with my insurance since we work with the same company ( my mistake ). However, on getting to the dental clinic, I specifically asked if they were in my insurance network, provided them with my dental insurance card and they guaranteed they are. Well, few weeks later, I received a bill from my insurance & from the dental office stating our ( myself and spouse ) cleaning was not covered because the doctor was not in the network. I went to the dental clinic and they refused to cut down the bill but agreed to set up payment plan at the time, I could only afford {$5.00} a month which they agreed to. I have since then been paying city dental on the amount we agreed to. My total bill was {$610.00}, I have paid {$430.00}. now they are claiming I owe {$1300.00} because they've been charging me {$8.00} late fee. This was never communicated with me. They later sold the account to a collection agency called Capital Accounts who placed it on my credit report, called them in XXXX to fix and the company was very abusive and called me names. I later called XXXX in XXXX and XXXX took it off my credit history. This year XXXX, capital account reported again to XXXX, I contacted XXXX gave them payment history ( uploaded documents, supporting documents ) and they refused to take it off my credit. All through this time, I have called XXXX XXXX, they claimed they do not have any debt detail/medical record on me, they claimed they have no record of my payment at all while someone has been cashing my check ( called my bank and confirmed with my bank that all checks are cashed under the name of XXXX XXXX ). called capital account who refused to give me original bill and refused to settle. The {$610.00} bill was later located by my insurance. I have emailed capital account with all payment details and bill, informed them that I am willing to pay the balance of {$180.00} but I do not owe them {$1300.00} and they need to take it off my credit report. I have never had anything on collection, especially medical bill, I always pay medical bill but this particular company lied to me when I specifically asked them ( learned never to believe companies, now I check with my insurance company 1st ), they have been cashing my checks, have me in collections and now claim I owe them {$1300.00} from initial bill of {$610.00}. Please help me, save me from a deceptive company XXXX XXXX formerly known as XXXX XXXX XXXX RI. They are preying on the weak and poor, want to ruin my credit after working hard to build it and XXXX that tossed out payment history docs for companies like capital accounts.
03/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92801	Web
On XX/XX/XXXX, I received a letter from Capital Accounts LLC, in reference to a debt collection from an account I have with my XXXX, XXXX XXXX, in XXXX, CA. This came as a surprise to me as I have never received a bill from my XXXX, nor have I been advised of any outstanding debt in any of my recent visits to the XXXX. In contacting the debt collector, I requested related wet signature documents acknowledging the costs of previous work performed related to the debt in question. Instead, I received an itemized list of charges for work allegedly performed from XXXX of XXXX to XXXX of XXXX. Nothing was provided to me demonstrating that I authorized these charges or was billed for this work that was allegedly performed during the time frame in question. Subsequently thereafter, I contacted my XXXX office, which has changed ownership ( but still under the same name ) during the time I allegedly incurred these costs that are in question, in attempt to find out why they sent my account to collections without so much notifying me that I had an outstanding balance or receiving a bill. They advised and provided a printout that I do not owe an outstanding balance and that they believe that the debt was sent to collections by the previous owner of the XXXX business, XXXX XXXX. I was also advised by the XXXX office that other patients were in the same predicament I currently find myself in. In response, the current owners have attempted to locate the previous owner, with negative results. It is incredibly infuriating to be advised of an alleged unknown debt in this manor that was allegedly incurred from XXXX thru XXXX without even being notified in-person during a XXXX visit or receiving any bill. It is of my opinion that the business practices of this XXXX office is extremely suspect to turn over a very old alleged debt to a collection agency without so much attempting to notify, discuss or interact with me about the alleged incurred charges. As such, I am seeking the bureau 's assistance in getting this matter resolved as I have yet to receive proof of me agreeing to pay what was allegedly incurred during the time in question other than what looks like a homemade XXXX XXXX document from the collector. Again, I have proof from the XXXX office and its new ownership, that my account is in good standing with them and up to date to verify my case. This appears to be an issue with the previous owner who is no where to be found to resolve this matter. Any assistance/guidance you can provide in letting me know how I can proceed to contest this collection legally, would be greatly appreciated. Thank you in advance for your time and consideration. Sincerely, XXXX XXXX XXXX XXXX XXXX
10/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AL 350XX	Web
this debt has been placed on my credit report, it was my wifes debt from a injury, this debt was suppose to have been paid by the company she sued and was court ordered for it to be paid. Last year Capital Accounts , llc. contacted me XXXX XXXX in regards to a medical bill owed to the XXXX and XXXX XXXX in XXXX, AL. I gave the lady who called all the information regarding the debt including the attorny who handled the case for me. After that discussion, no other person nor any mail from them has ever been recieved for me or my husband. I recently got on XXXX and checked my score and the debt was still on my account, i disputed this thru XXXX who removed it off my report due to inaccuracy. In XXXX 2016 we decided to purchase a home and had my husbands credit pulled, and to our surprise they attached this debt to him, without any contact to him via mail or phone. I have contacted the atty. that handled the case, as well as this collection agency who put this on my credit report. Yesterday XXXX/XXXX/16, starting at XXXX, i spoke with a XXXX, who coulnt pull this debt up using a name or XXXX last XXXX social and nothing under mine at all, after about 30 minutes he finally located it, he informed my that my husband was also responsible for this debt since he was the primary on our insurance, i told him i belived that not to be true! I told him I would call back. I called back and then spoke to a XXXX around XXXX and she informed me after 30 minutes or more of even locating our information once again, that he apperantly had been to the office and signed paperwork, i told her i hoped she was recording this because my husband has never signed anything in XXXX XXXX office, first off he does n't XXXX, the lady became very quiet and stated that this was my bill, i then again to explain this over again to her and i have become aggitated because they ca n't get the information straight. This morning I contacted the dr. 's office and they told me they no longer use this agency anymore. I called this afternoon and have been run in complete circles from one debt rep to another and on who stated his name as XXXX XXXX, supervisor, he decided he would send me to another bigger supervisor and low and behold i was back with XXXX again who stated he did n't even know who the XXXX was or the supervisor, i laughed and felt concerned what kind of place are these people running. Again today I got nowhere with this. It is still on my credit report under XXXX for XXXX amt and on my husbands credit report as another, also this company does not mind sharing anyones personal information, as they pulled up my husbands account and discussed it with me without asking his permission first.
06/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30305	Web
This is regarding a dental cleaning I received on XX/XX/XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. XXXX XXXX sent my account to collections 2 years after I had my teeth cleaned, though the issues was their fault and they failed to file the dental claim through XXXX timely. On XX/XX/XXXX, I went to XXXX XXXX XXXX and got a regular cleaning which my dental insurance, XXXX usually would cover 100 %. I provided XXXX my insurance for the cleaning at the time of my cleaning. I never went back to XXXX againand never heard from XXXX again. Almost 2 years later, on XX/XX/XXXX, I receive a call from a Capital Accounts collection agency that I owed {$310.00} from services at XXXX XXXX Cleaning, or it will go in my credit. I told the collection agency my insurance was supposed to have paid dental cleaning in XXXX. I called XXXX XXXX XXXX the following day on XX/XX/XXXX about the collection call. The lady who answered said she was the manager when I asked for the manager. She was very rude and basically told me that I have to deal with the XXXX XXXX collection agency when I asked her to pull up my account to find out what my insurance paid and why they never contacted me for almost 2 years and sent my account to collection agency and she hung up the phone. I called the collection agency again on XX/XX/XXXX to let them know that XXXX said I have to deal with them to find out what my insurance paid. The collection agency told me they do not deal with insurance companies ; all they do is collect payments. Also, on XX/XX/XXXX I called XXXX about this dental services from XX/XX/XXXX at XXXX XXXX XXXX. The customer service rep at XXXX told me that they received a claim XXXX XXXX XXXX for the XX/XX/XXXX cleaning, however that XXXX did not file the claim until XX/XX/XXXX, almost a year later and XXXX had 180 days to file claims and so they denied it for untimely services. XXXX also stated that I do not owe because I had coverage, but XXXX failed to file timely and so XXXX should be responsible for the issue and absorb the cleaning and should never come after me I have contacted XXXX multiple times, but they always state a manager will call me back. On XX/XX/XXXX, my three ( 3 ) credit scores from XXXX, XXXX and XXXX all dropped drastically because Capital Accounts put it on my credit. I have attached documents from XXXX showing that I had coverage for the XX/XX/XXXX cleaning, and that XXXX XXXX XXXX did not file the claim timely and the denied the claim - " XXXX XXXX - This procedure has been submitted after the timely filing limit ''.
12/06/2020	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92592	Web
In XX/XX/2020 I was sent a letter from Capital Accounts that indicating that I owed XX/XX/XXXX for unpaid dental bills that totaled about {$1000.00}. I asked for a detail of the bills that were not paid. What I received back from Capital Accounts was a statement with approximately 20 pages of 5 years of billing. The statement did not match payments to bills and did not indicate which bill ( s ) was/were unpaid. By reading the statement, I have no idea which bill ( s ) are unpaid, if any. I can not research any unpaid bills, if any, for the signed authorization for the service, the EOB and the amount paid. To this date, I do not have copies of any unpaid bills. I sent a letter to Capital Accounts which I have attached letting them know all of the issues I have mentioned. I also directed them to FCRA section 623 which states the following : 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And also states : ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. And finally : ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Since the statement does not match payments to the bills, there is substantial doubt about the accuracy of the information because good bookkeeping policies were not in place. Capital Accounts reported the amount presumed owed to credit agencies which decreased my credit score by about 100 points. Not only did Capital Accounts report the amount as unpaid the the collection agency, but I have to assume they did not indicate that it was disputed because my credit score dropped by 100 points. I am asking that Capital Accounts withdraw the reporting to the credit agencies. Thanks, XXXX XXXX
08/13/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web	Servicemember
I am writing to dispute the billing for dental services provided by My Plantation Dentist XXXX XXXX XXXX XXXX, on XX/XX/XXXX, via email for services on XX/XX/XXXX. It is important to note that they sent me this request almost 2 years after the service. They email that it is my responsibility to pay the claimed outstanding balance from services rendered in XX/XX/XXXX a balance which I was told would be covered by my insurance at time of service. Further, they claimed my insurance paid me directly {$140.00} but is demanding a full balance bill of {$510.00}. Balance billing is illegal. If I confirm that I was paid {$140.00}, this is all XXXX willing to pay as I did not request any premium services above what my insurance would pay. The dentist provided me with an estimated insurance coverage amount of {$510.00} at the time of service. I disagreed with their assertation and later received a collection letter. I promptly paid the patient estimated balance of {$410.00} with my XXXX XXXX XXXX on XX/XX/XXXX. Additionally, the reason I left this dentist is because they were deceitful in their marketing practices. When I first called them and asked are you in-network for my XXXX XXXX XXXX XXXX XXXX XXXX, they responded YES. After several visits they started asking to pay balance bills for each visit for basic services. I questioned why I was being billed additional charges if your in-network for my insurance. They then claimed they were a premium provider in my network and therefore my insurance didnt cover most of their premium services or all my routine treatments and cleanings. I then wanted to switch but by then they had a full file of x rays on me. The ultimate reason I switched dentists in XXXX was that from the start of my treatments with this company, they insisted on me getting XXXX XXXX. In fact, the first visit they provided me with a treatment plan that included a {$10000.00} XXXX plan and insisted I sign it but said it was not binding. Every visit XXXX XXXX XXXX insisted I enter the Invisalign treatment plan and then tried to hard sell me the XXXX plan to pay for it. I repeatedly declined and then just found a new dentist as I was tired of this hard sell tactic and very disappointed that they were deceitful about being in my insurance network. I have an XXXX credit score and am concerned now this issue will ruin my credit and I do not own this money. If anything, I will only agree to pay any funds the insurance paid me directly, which I believe is {$140.00}.
06/09/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30092	Web
I received a letter from Capital Accounts dated XX/XX/2019 that says I owe XXXX XXXX {$360.00}. Following are the facts on that billing to me ; -- I got a procedure done at XXXX XXXX XXXX XXXX and apparently XXXX XXXX provided XXXX and some supplies at that practice. -- I got bills from XXXX XXXX XXXX XXXX, a XXXX, a XXXX and XXXX XXXX. They all had filed the insurance claim and I needed to pay 10 % of the covered amount as per my insurance situation. -- XXXX XXXX filed claim only for XXXX service and I am supposed to pay {$25.00} for that. But the bill I received from XXXX XXXX was {$270.00}. I called them on XX/XX/2019 and then on XX/XX/2019 but the lady could not answer the charges. Finally a manager called a few days later and told me that apart from {$25.00} for XXXX there is a {$250.00} charge for supplies that was not billed through insurance because XXXX XXXX is not in the network ( of my insurance ). -- On XX/XX/2019 I talked to XXXX XXXX XXXX XXXX where I received the services and asked them why did they hire someone to provide supplies who was not in my insurance network. They said that they will talk to XXXX XXXX and it has to go through insurance. So, I only owe {$25.00} to XXXX XXXX and did not pay their bill of {$270.00} as they refused to correct it. I checked all the consent papers I signed at XXXX XXXX XXXX XXXX and I never authorized anyone to provide me services or goods from out of my insurance network. So, I only owe {$25.00} to XXXX XXXX and did not pay their bill of {$270.00} as they refused to correct it. I checked all the consent papers I signed at XXXX XXXX XXXX XXXX and I never authorized anyone to provide me services or goods from out of my insurance network. This charge of {$250.00} is a rip off, it is amazing how XXXX XXXX is in network for XXXX service but not in the network for supplies. I never ordered any supplies or services from XXXX XXXX. I understand they work with XXXX XXXX XXXX XXXX where I got service and I have paid every component of that service which was legit. If they send me a corrected bill I will be glad to pay off {$25.00} for XXXX service. If any other charges are legit they can go through the insurance and I will take care of my portion as required. I sent dispute letter to Capital accounts and they keep sending me bills. Over the phone they told me that they consider the charges legit based on what merchant says. It is not their job to validate the charges.
02/15/2021	No	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	NJ 07036	Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 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. You have 30 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 the America Bar Association and Professional Liability Fund for code of ethics violations.
07/14/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	HI 96734	Web
This letter is regarding a collections account on my credit with XXXX only. CAPITAL ACCOUNTS LLC has not provided validation that an unpaid debt belongs to me. The account number shown on XXXX is xxx. The collection amount is {$150.00}. Date assigned was XX/XX/XXXX. Original Creditor was XXXX XXXX XXXX. The original creditor is no longer in business when I called to ask for validation of debt. When I called on date of XX/XX/XXXX to CAPITAL ACCOUNTS to receive clarification, instead of finding the collection agency answering the phone number ( XXXX ) XXXX of CAPITAL ACCOUNTS is actually a call center for XXXX reward cards. CAPITAL ACCOUNTS Website is usecapital.com. Phone number above is listed on their site. Their email also is available on their website and they do not reply. I have also emailed CAPITAL ACCOUNTS without receiving a response. First email started on date XX/XX/XXXX. If you call the phone number provided on their website stated above, email them, write them a letter. It all leads to nowhere. Found Phone number XXXX XXXX XXXX XXXX. Date of first call was XXXX. Rep stated she and I couldnt have access to validation of debt. Rep stated that only sales dept has that info. Told rep my rights to receive proof of debt. She said I did not have those rights. I mention hiring a lawyer or debt company to defend myself. Rep hung up. Called back on XXXX. Spoke to new rep. Rep stated that previous rep I spoke to wrote in notes I claimed I was a lawyer. I clarified that is not the case and need a validation of debt. She said no. I asked if I pay this would they take it off my credit. She went silent and hung up. Called again XXXX. Called back asked for supervisor. None available. I Explained I have the right to validation of debt within 7 days of contact also that I have been in contact via email for 30 days without a response. Was told they will order it but cant tell me if it will come. Also On XXXX Sent usps mail letter requesting validation of Debt to their POBOX. I did not hear back. This company has violated my rights as a consumer. I have not received validation of debt. I have called numerous times. Emailed. They have not proven or even tried to prove I owe this debt. I asked if I pay will they remove it from my credit and was hung up on. I ask for this collection to be removed and dismissed from my credit. It has been 2 months of requesting verification of debt.
02/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20744	Web
COMPAINT AGAINST CAPITAL ACCOUNTS COLLECTION AGENCY, XXXX. XXXX XXXX, XXXX, TN XXXX, XXXX Regarding XX/XX/XXXX dental services provided by XXXX XXXX XXXX, XXXX On XX/XX/XXXX, I received a letter from Capital Accounts regarding the debt to XXXX XXXX XXXX, XXXX. In response to the letter, I called Capital Accounts and disputed the debt. I requested verification of the debt ( i.e., invoices/statements showing service date, procedure code, and the amount of service ) from Capital Accounts. I wanted to review the information Capital Accounts was given because XXXX XXXX XXXX dental insurance paid for each service I received and I paid required co-pay for each service. On XX/XX/XXXX, I disputed this account directly with credit bureaus. The result of the dispute is that Capital Accounts verified the information therefore the negative information would remain on my credit reports. A year have gone by and to date I have not received verification of this debt from Capital Accounts. On XX/XX/XXXX, I called Capital Accounts again regarding this account to address the reason the amount keeps increasing on my credit reports. I also asked why no one from Capital Accounts had sent me, as I had previously requested, verification of this debt. I advised Capital Accounts customer service representative again that I can not acknowledge or accept the debt, as I had not received verification of the debt. As follow up to my telephone call to Capital Accounts on XX/XX/XXXX, I received the attached email from Capital Accounts regarding the past due amount with their client XXXX XXXX XXXX XXXX. The email included a ledger with a debt of {$760.00} and {$150.00} in additional interest charges for a total of {$960.00}. How is it that this debt can be increased by {$3.00} per month for interest? As a collection agency they should not be charging {$3.00} monthly interest. Is charging interest on collection accounts illegal? This information continues to be reported negatively on my credit bureau reports with the balance constantly going up. Every month when they add Capital Accounts adds the interest charge my credit score decreases. This year old past due collection account has had a very negative affect on my credit rating. Adverse actions have been taken against me because of this account on my credit reports. Cc : Capital Accounts XXXX Credit Bureau XXXX Credit Bureau XXXX Credit Bureau
10/13/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 64114	Web
I recently pulled my credit report and reached out to both the credit bureau and Capital Accts. to dispute all accounts with this fraudulent company that has reported accounts. I 've asked for documentation to validate debt and they provided me with an out-of-date scanned image of something from XXXX/XXXX/XXXX. They failed to provide me with an up-to-date copy of said debt. If such debt is owed, it was sold by the original creditor who did not inform me of a debt or ask my permission to sell any of my medical information. This is clearly a violation of my ( HIPPA RIGHTS ) by both the medical office and third party. I 've asked for the following from this company : a copy of my signature with the provider of service to release my medical information and for them to stop reporting to the credit bureau until the debt has been validated by me. I have not received any documentation from neither company to release any medical information about me or giving permission to sale any of my information to collect on a balance I 'm unable to verify with XXXX XXXX XXXX. In addition, because the original creditor sold my information, I am no longer responsible to pay due to " NO CONTRACT/CONTRACT IS CANCELLED. '' Also, I have not received any letters that I owed a debt to even dispute the debt from neither company. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy, medical and dental records from third parties. Capital Accts. has withheld information and refuse to provide me with what I asked in my written request to them and the credit bureau. This is currently affecting my credit as I am trying to purchase a home. In addition,. I 've recently tried to contact this business about the account to verify and have been unsuccessful. This account is 4 years old and neither XXXX XXXX care or said collection agency has reached out. This is a third-party with my personal information and if said account is valid, which again I ca n't prove because XXXX XXXX care has failed to reach back out to validate the debt. I have asked that they please stop reporting to the credit bureau and remove account due to " NO CONTRACT/CONTRACT CANCELLED. '' Amount Owed : {$170.00}, which includes {$50.00} in accrued interest ( According to the collection agency ).
03/26/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 329XX	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX CAPITAL ACCOUNTS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CAPITAL ACCOUNTS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
08/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85379	Web
A collections notice on my credit report was reported to the credit bureaus on XX/XX/20 by Capital Accounts. Unbeknownst to me, I was unaware of any such claim or attempt to collect a debt, and I never received any documentation from Capital Accounts stating I could dispute the collections claim or was I granted any proof of bill or records showing proof I was delinquent in payment to the original creditor. I do not owe any past due debt to the creditor. I disputed the collections notice on XX/XX/2020 with each separate credit bureaus and requested for Capital Accounts to submit proof of bill and any records validating their fraudulent claim. It has been nearly 60 days and I have yet to receive any notification of proof from Capital Accounts. I have attempted to reach Capital Accounts via telephone and receive their automated voice message. My most recent attempt in communication with Capital Accounts is XX/XX/20 and I have phone records to indicate this attempt. Upon investigating my account number on Capital Accounts website, under their records for my account they have my fathers private XXXX telephone number listed as my phone contact and my mothers personal email as my contact email. They have fraudulently stalked my family members personal information and have used this information to attempt to collect a debt from me that they have not provided any proof or validity of their claim. Capital Accounts is in violation of Fair Credit Act and Fair Debt Collections Practices Act. My parents are elderly and Capital Accounts business practices has caused my family great XXXX XXXX with fear of potential identity theft being acted upon by the company. Capital Accounts has also begun to fraudulently add interest to the debt of which they have not provided any proof of records or billing from creditor or was I given due-process to dispute the collection claim, amount or validity prior to the credit bureaus being alerted. There is no contract or record of agreement from the creditor stating that interest will be accrued and Capital Accounts can not keep adding fraudulent charges that increase on my credit report. Capital Accounts is in violation of Fair Credit Reporting. I will not be a victim to Capital Accounts misuse of debt collections and practices.
07/15/2020	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	CA 92626	Web	Servicemember
On XXXX XX/XX/XXXX, a debt collector company called CAPITAL ACCOUNTS sent a collection notice for the amount of {$8300.00} from the original creditor of XXXX XXXX. This debt is not properly validated and has false information for the amount balance requested. XXXX XXXX is considered an " IN-NETWORK '' provider with XXXX XXXX XXXX. Since this provider is considered an " IN-NETWORK '' dentist - they agree with the insurance company to predetermined fees and won't bill you for the difference between their charges and the contracted fee. Therefore, this claimed amount is null and void. I have already filed a formal complaint and request for a formal investigation with the dental insurance and with the California Department of Insurance regarding such harassments and abusive practice from both the debt collector ( CAPITAL ACCOUNTS ) and XXXX XXXX. Please check the following attachment as additional evidence to my claim : Evidence 1 : Amount sent by the dental practice claiming an amount of {$4800.00}. Keep in mind that the dentist billed for service on teeth # XXXX in which has not been performed and can easily be proven since it is not in the mouth. Services should not be billed if not rendered. Evidence 2 : The bill sent again by the dental practice with an increase of {$7800.00} without properly breaking down the detailed amount to substantiate the claim. The Patient chart number is also inconsistent with the other billing ledger. Evidence 3 : A formal text message from the dental practice stating the original amount owed on XXXX XX/XX/XXXX XX/XX/XXXXfor the amount of {$4200.00}. You can see the inconsistency of the amount and despite claiming to be an " In-Network '' they continue to bill the client. Evidence 4 : This is the final ledger submitted by the collection agency ( CAPITAL ACCOUNTS ) claiming an increase of {$7800.00} and added their fee of {$520.00} and continue to increase despite without properly validating the debt. I believe I have enough evidence to present what is valid as a patient and willing to have the law enforcement entity investigate such fraudulent practice. If needed, I can also provide what was claimed by the dental practice with the insurance company to present transparency to my case.
08/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 329XX	Web
CAPITAL ACCOUNTS LLC Last reported XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CAPITAL ACCOUNTS LLC Last reported XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX FL XXXX *
07/31/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34135	Web	Older American
This complaint is in reference to a XXXX XXXX procedure, first visit XX/XX/XXXX and was not completed properly by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX After several attempts to resolve the problem with XXXX XXXX XXXX, he notified me on XX/XX/XXXX that the dental office would not let him go back inside the office. I notified my insurance company, XXXX XXXX who gave me permission to another dentist to solve the problem. On XX/XX/XXXX I saw XXXX XXXX XXXX who sent a letter to XXXX stating the XXXX needed to be redone and both XXXX and XXXX XXXX were clearly visible. I filed a grievance with XXXX 's Grievances and appeals Board, which was received on XX/XX/XXXX. XXXX XXXX XXXX XXXX did not respond to the grievance and I was recently informed by XXXX that if they do not get a response in 6 months XXXX does not pursue the grievance. I thought the grievance was settled because as XX/XX/XXXX XXXX does not send out explanation of benefits if the patient has a XXXX balance. I thought the dental office accepted the amount of money XXXX paid, which was {$360.00}. {$430.00} was the amount I was to pay. I found this information out when I applied for a credit card in my name from XXXX on XX/XX/XXXX, which was denied. I have reported this to the State of FL Department of Insurances, XXXX XXXX XXXX file # XXXX, to the Department of Agriculture, XXXX XXXX case # XXXX and the Office of Financial Regulation, XXXX complaint # XXXX who recommended I contact your office for additional help. I have also sent letters, Certified/Return Receipt on XX/XX/XXXX to XXXX XXXX XXXX XXXX and Capital Accounts LLC indicating I do not owe the {$430.00} because the dental work was never completed properly. Thanking you in advance and looking forward to hearing from you. Attachments : Dental Time Line, Letter from XXXX XXXX, XXXX 's Explanation of Benefits, Lletters from XXXX 's Grievances and appeals Department, XXXX Report and letter I sent to XXXX XXXX XXXX XXXX and letter cc to Capital Accounts LLC I unable to send the supporting documents because it it more the 10 MB. Please let me know if I can send them to an email address or mail. Thank you
01/25/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30019	Web
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2022 Dear Capital Accounts After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2022. 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 patients authorization. Therefore, my request is twofoldvalidation 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. 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 is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX
03/06/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	ME 045XX	Web
I received a bill 8 months after a service was rendered from XXXX XXXX XXXX XXXX, in XXXX XXXX, TX, for {$850.00}. I had contacted them in early XX/XX/XXXX to assist in saving 2 dogs from a shelter ( a site on XXXX to rescue animals ). I agreed to pay a fee of {$200.00} to shelter and return to health these 2 dogs. The first dog was released within a few days but the other dog had XXXX XXXX, which required a 2-3 week board. The 2nd dog was released, transported to me in VA and I fostered them until they were placed in their forever homes. I moved back to my home in ME and didn't hear anything else and assumed the debt was paid in full as a joint rescue mission. Until, I received this startling debt. The invoice indicated the amounts were charged to me in XX/XX/XXXX, months after the services were rendered, 5 months after the dogs had been placed in new homes. The amount was staggering for boarding of mainly 1 dog. I contested this bill, noting that I had agreed to a {$200.00} debt, which I paid up-front, that I assumed the debt was a joint charity effort in rescuing these dogs and that I was also not in a position to pay such a fee at that time ( unemployed during the 2nd half of XX/XX/XXXX ). No response. Then, a bill from Capital Accounts shows up to my home in ME with the full amount due on XX/XX/XXXX and I promptly write to them with the same explanation, even offering to pay {$100.00} as a means to settle this unreasonable debt. I sent this letter in the U.S. Postal mail AND I uploaded it on their mysteriously, unfriendly website. I did not receive any response from Capital Accounts to my letter. I do however. receive a letter from them on XX/XX/XXXX advising me of the following, " you have not made satisfactory payment arrangements to pay this delinquent debt and XXXX XXXX XXXX XXXX has authorized us to report this unpaid collection account to the national credit bureaus '', which a day later they reported this debt to two national credit bureaus. Please help me to get this debt removed from my credit report and force this debt collector to better communicate and work towards resolve of each individual.
09/23/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32566	Web
On XX/XX/XXXX, I went to my primary dentist office to have XXXX fixed and prepped for a XXXX as I had for the two other prior XXXX that I have. I had dental insurance at the time. I paid my portion of {$320.00} at that time. When it was time to seat my XXXX, the dentist wouldn't do it unless I paid another {$320.00}. My insurance would not pay unless the work was completed ( the crown had to be seated and x-rays taken to prove it and sent to my insurance company before they would pay the balance ). I reported them to my dental insurance ( XXXX at the time ) as I felt that they were " double-dipping '', but instead, I received a letter stating that " not more than 50 % of the XXXX was XXXX ''. The discrepancy has since been turned over to a Debt Collection called Capital Accounts LLC. I have tried disputing it twice through the credit agencies, but they always respond with " meets FCRA requirements ''. When I opened the first dispute, the credit agency said that I would hear back from them in 30 days. It took over 8 months. I finally contacted Capital Accounts via phone on XX/XX/XXXX at XXXX CST. We had an 8 minute and 28 second conversation. I requested that they send me a copy of the original bill and proof that I owed the debt. I never received a letter from them. I've had their collectors call me and I explained the situation and their creditors actually hung up on ME! I have since found a new dentist and still have to get this tooth fixed before it causes me more problems. My new treatment plan shows that a XXXX is needed for that tooth still and my new dentist has given me a letter stating that the tooth in question does not have a XXXX and that a XXXX XXXX is needed for definitive restoration. The {$320.00} that I have already paid to XXXX XXXX XXXX XXXX covers the tooth build-up that they did twice over but I do not owe the rest of the debt since they would not complete the work. Their billing shows that they turned over {$710.00} to collections, but my credit report shows that I owe {$880.00}. Please help. I just want this off my credit reports so that I can move on with my life.
03/18/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 08873	Web
Specifically, Capital Accounts failed to provide me with any written debt validation notice regarding any alleged debt before reporting any information to credit bureaus. They failed to provide me with any notice at all of my rights to dispute the validity of such debt within 30 days. They failed to provide me with any notice of my rights to obtain the name and address of the original debtor within 30 days. They failed to verify that I am responsible for this alleged debt. They unlawfully designed, compiled, and furnished information regarding a debt allegedly owed to a creditor knowing that such information was intended to create the false belief to credit bureaus that their company is participating in the collection of and attempting to collect an alleged debt that I allegedly owe to a creditor, when in fact, they are not in any authorized capacity to do so and no creditor has given any such authorization. I requested in writing that they provide me with all of the documentation listed below and they responded with the attached letter only that their client, " XXXX XXXX '', authorized them to report the debt as a collections account to credit bureaus. They did not provide any documentation to verify that I owe any alleged debt. They did not provide information regarding services rendered for the alleged debt. They did not provide the full mailing address of the original creditor for the alleged debt. They did not provide documentation of any signed contracts or agreements with the alleged creditor. They did not provide documentation showing they have verified that I am responsible for this alleged debt. They also did not provide documentation showing they are licensed to collect debts in the state of New Jersey, which they are NOT. I have also have written to the credit bureaus regarding this matter and I am awaiting a response and hopeful deletion as well. Further, I contacted XXXX XXXX billing department and I spoke with them. They stated that I do not have any past due balances. They are my current medical care facility. Further, they stated that they did not authorize the collection activities.
08/23/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85635	Web
Complaint is in regards to reported medical collection being reported to all 3 credit bureaus. Collection Account : Capital Accounts LLC Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX Amount : {$400.00} Under the Fair Debt Collection Practices Act, I have disputed and requested validation from all 3 credit bureaus regarding the alleged debt on multiple occasions. XXXX deleted the account as validation of the debt was unavailable. The collection remains on my report with the other 2 lenders and continue to be verified as accurate despite request that proof of verification of debt be provided to myself. Another certified letter was sent to both XXXX and XXXX on XX/XX/XXXX regarding the matter, again disputing the information. On XX/XX/XXXX I contacted the debt collector of the alleged debt ( Capital Accounts LLC ) to obtain information regarding original creditor and validation of alleged debt. Information was with held from me as I was told the could only tell me the doctors name and amount owed.They did not tell me the clinic of the provider, or number to reach them at. I requested validation of debt and was told it would be requested from the original creditor to provide to myself. How are they verifying this debt if they have never received anything but the amount they claim I owe? I was told they would send me information regarding the visit Such as procedure completed and breakdown of charges in 1-5 business days. It has been 7 business days since and I again have not gotten proof of verification of this debt that continues to be verified with each dispute. As a medical collection, this is a violation as I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for Capital Accounts LLC to obtain my medical information. This account was deemed as unverifiable by XXXX when previously disputed. Please DELETE this medical Collection from my credit report as is not mine, has not been verified on multiple occasions as requested, and is a direct violation of HIPAA.
08/23/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85635	Web
Complaint is in regards to reported medical collection being reported to all 3 credit bureaus. Collection Account : Capital Accounts LLC Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX Amount : {$400.00} Under the Fair Debt Collection Practices Act, I have disputed and requested validation from all 3 credit bureaus regarding the alleged debt on multiple occasions. XXXX deleted the account as validation of the debt was unavailable. The collection remains on my report with the other 2 lenders and continue to be verified as accurate despite request that proof of verification of debt be provided to myself. Another certified letter was sent to both XXXX and XXXX on XX/XX/XXXX regarding the matter, again disputing the information. On XX/XX/XXXX I contacted the debt collector of the alleged debt ( Capital Accounts LLC ) to obtain information regarding original creditor and validation of alleged debt. Information was with held from me as I was told the could only tell me the doctors name and amount owed.They did not tell me the clinic of the provider, or number to reach them at. I requested validation of debt and was told it would be requested from the original creditor to provide to myself. How are they verifying this debt if they have never received anything but the amount they claim I owe? I was told they would send me information regarding the visit Such as procedure completed and breakdown of charges in 1-5 business days. It has been 7 business days since and I again have not gotten proof of verification of this debt that continues to be verified with each dispute. As a medical collection, this is a violation as I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for Capital Accounts LLC to obtain my medical information. This account was deemed as unverifiable by XXXX when previously disputed. Please DELETE this medical Collection from my credit report as is not mine, has not been verified on multiple occasions as requested, and is a direct violation of HIPAA.
04/12/2022	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 383XX	Web
Received a phone call from agent with XXXX XXXX pay. I was asked if my name was XXXX XXXX to which I replied it was but I am divorced and remarried and my name now is XXXX XXXX. I was asked to verify my birth year and was never told as to why I needed to do that only told it was a call from XXXX XXXX pay. I informed the agent I would not verify or deny any personal information over the phone unless I knew what it was regarding. Agent then told me it was in reference to an account that has been sent to collections. I informed agent that to my knowledge I have received no late/ past due/ or collection notices from any creditors/debtors. I also explained that due to a recent divorce there are some accounts that are in my name that I have a divorce decree stating I am not legally liable for. I asked the agent for the name of the creditor or debtor that had sent the account to collections and I would, while I am on the phone with them, look up that account and see if the account is or was past due and take care of any arrears. I was told by the agent that they could not tell me the creditor/debtor name. I explained that I am happy to take care of the bill but I need to know who it is from. I was told that I was refusing to cooperate and the agent hung up on me. I had 3 other phone calls that all ended the same way. Finally, after the 4th person hung on me I decided to call them. I was met with a wonderful breathe of fresh air named XXXX who explained she would have her manager send me an email to the address they have on file so I can see who has placed an account in my name in collections and I can take care of it that way. The demeanor and the words from the previous agents badgering and telling me I was refusing to pay when I repeatedly asked for alternative way to pay was uncalled for. I never once said I wouldn't pay I was merely unwilling to state my DOB or SSN over the phone. There obviously is another way and the fact I took about an hour or more away from work to handle this when it could have been done during the first phone call is unfair, rude and excessive.
06/13/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 11235	Web
On XX/XX/XXXX I visited XXXX office with a friend of mine who recommended XXXX XXXX XXXX as a great dentist. XXXX XXXX did a simple oral exam, her assistant took some x-rays, overall the visit lasted less than 30 min. After than I called several times trying to schedule an appointment for cleaning however they were not able to accommodate me with the times that would work for me, so I decided to go make an appointment at the office where I cleaned my teeth for the past 5 years. I went there on XX/XX/XXXX and on XX/XX/XXXX they billed my insurance for their services. On XX/XX/XXXX which is now over 5 months after my visit to XXXX XXXX XXXX at XXXX XXXX, they decided to bill my insurance for {$750.00} for services that were never performed, one of which is XXXX XXXX ( cleaning ). Since my dental insurance already paid for my cleaning, exam and XXXX which were actually performed on XX/XX/XXXX they declined to pay XXXX. 3 weeks later I received a text message from the office of XXXX that I must pay them {$380.00}. I called and spoke to XXXX and she said it's some kind of mistake and I should just disregard it. I would also like to point out that I never even once received any itemized bills from XXXX XXXX, the only reason I know they tried to bill my insurance for services they never performed is because my insurance sent me the copies of all claims. Once again, after couples of texts and conversations with XXXX XXXX next thing I know XXXX XXXX forwarded my balance to collection agency that now tries to extort over {$900.00} from me ruing my credit score. This office filed false claims which is a serious violation and now they are trying to extort money from me for services that were never performed. It appears from my research that this is what XXXX XXXX does, they have a scheme. I saw other complaint on XXXX site which is literally identical to mine and what is even more telling, XXXX XXXX response is exactly the same, blaming customers for receiving money from Insurance companies and not sharing it with them which is absolute absurd and can easily be verified.
10/01/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63011	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
09/11/2020	No	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85014	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
11/20/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MI 496XX	Web
Derogatory marks View all accounts COLLECTIONS Capital Acct Opened XX/XX/XXXX Overview You have 100 % left to pay on this collection. Balance {$130.00} Highest Balance {$130.00} Original creditor : XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Opened XX/XX/XXXX ( 2 yrs, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX Creditor Information CAPITAL ACCOUNTS LLC This was a new dentistry in our town, who had bought the old dentistry where we went for years. The new dentist automatically renewed the annual checkup for my wife and me. I went there for the annual service and the bill was send to my insurance company. My wife did not go there as she was out of the country and I told the dentist at my appointment. I received a bill for both services through my neighbor who forwarded our mail as we were out of the country at that time. I called the dentistry who told me that my appointment ( which they has set ) was one day before a year was out from my last appointment, so the insurance company would not pay. ( remember, they set the appointment ) I and explained that I did not feel responsible for that error and that my wife did not have that appointment, did not come for the service as she was out of the country at the time of service. They did not care and wanted to get paid anyway. Some time later they sold this debt to a debt collector : Capital accounts LLC. They called me once and threatened to sue me. I countered that I wanted to have them take me to court so I could explain to a judge what happened and they would stop harassing me. The person who called said : I see, you are issuing us a Cease and Desist notice. That was the last that i heard from them. However with the service I have : XXXX XXXX, it came to light that this debt is still in my history as not paid. As that can influence my credit rating of financial services : I want this debt removed from my history. Can you help with that? Thank you, XXXX XXXX
11/30/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
Capital Accounts LLC is reporting an invalid, fictitious debt on my credit report for close to {$5000.00} without any verification or validation of that debt in violation of the FDCPA, FRCA, Rosenthal Act, and the California FCRA. I secured written documentation from the purported underlying debt holder that documents I had never done business with that firm. I have absolutely no idea what this debt and have requested verification of the debt from Capital Accounts via certified mail but there has been no reply to me whatsoever again in violation of consumer protection and unfair debt collection laws. In addition, I also requested that I only be contacted via mail for debt verification purposes but that I not be contacted for any other reason, including by telephone. Capital Accounts repeatedly called me via telephone on several occasions in violation of the TCPA at {$500.00} per violation. Last, I was never sent an initial dunning letter regarding this debt again which is in violation of consumer protection and unfair debt collection laws. After I disputed the collection trade line with the CRAs ( XXXX, XXXX and XXXX ) on multiple occasions, Capital Accounts continued to inaccurately verify this non-existent debt in violation of FCRA, California FCRA, and other consumer protection statutes. I intend to sue Capital Accounts for its several violations of federal and state statutes but would also like to request that the CFPB intervene immediately. Given the almost 1,000 complaints against Capital Accounts, I also request that the CFPB refer this matter to the California Attorney Generals Office as well as to other State Attorneys General. I intend to file complaints with the California Attorney General myself as well as to the California Medical Board since this is purportedly related to a medical debt. The medical clinic and doctor can be accountable for these state and federal violations! Hopefully, there will be action taken against the medical license and discipline by the California Medical Board against the doctor!
03/07/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 374XX	Web
My son attended childcare in XXXX. I have a past due amount, which at the time I did not know the exact amount. My son started XXXX that XXXX. I never received a bill or phone call, voicemail or email. Moving forward, XX/XX/XXXX I received a call from Capital Accounts. The representative told me that I had an outstanding balance of {$1200.00}. She told me that it was already put on my credit??!! I told her that I was aware of a balance but not to that degree and that I never heard anything from the school about my balance. I contacted the school and she said that they sent out notices to my address. I let her know that I didn't receive them. I moved from my residence in XX/XX/XXXX and put in a forwarding address. I can contact the USPS to get proof that I moved from that address. She also sent me a ledger of the correct amount. I asked her if I could pay them instead of dealing with Capital Accounts she said unless it was in full, I could not make any payment arrangements through them. I checked my credit score and it was a negative collection mark on there from ( CA ), the account was open in XX/XX/XXXX. That negative mark brought my score down 40+ points. I wasn't giving a warning or any type of reason behind it. I feel that I have been robbed of my innocence. It should be illegal to put a collection on someone's credit before speaking to them. Not just attempting to call them or mailing a supposed letter. I spoke with a representative from Capital Accounts yesterday and told him that they did not have the right to put that on my credit without giving me a chance to attempt to pay the debt. I have not lived at my old address since XXXX, and the rest of my bills were forwarded or sent back to the sender. After the phone call in XXXX I only received harassing phone calls. They have not mailed me a statement to this day. I had to beg the creditor to send me a email proving that it was a ligament company. I received a email Thursday XX/XX/XXXX, TWO months after speaking to the representative.
03/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30236	Web
I have received numerous number of calls from different numbers from collection agency, Capital Accounts ( original account XXXX XXXX in XXXX ) regarding {$3500.00} medical account. I have spoken to 3 different agents over the past few months regarding this account and provided each agent with the Laywer name, XXXX XXXX XXXX and phone number XXXX to contact regarding the medical account. I advised all three collection agents that XXXX XXXX XXXX is responsible for the medical accounts due to my case was closed and any medical expenses are covered by XXXX XXXX XXXX. I called and spoke with XXXX XXXX XXXX front office rep, XXXX whom received advisal from a nearyby in office paralegal attorney, advised that I contact medical office regarding my account and inform that my case was closed and that all medical bills/accounts should be closed and that if there was a bill due, that XXXX XXXX XXXX has an agreement with their office, XXXX to send all medical bills/accounts regarding my account to XXXX XXXX XXXX and not directly to me. I was also advised by XXXX that this account should have been resolved when they closed my case at XXXX XXXX XXXX. I called and provided this information to the collection agency today, XX/XX/2019 and asked the collection agency if they have the contact information to contact XXXX XXXX XXXX, as I have provided the same information from previous calls over the past week/months in the notes for XXXX XXXX XXXX. Collection stated there are no notes on my account, after I have spoken with 3 or 4 different agents. This is on my credit with all three credit bureaus and I am not responsible for this debt. XXXX XXXX XXXX stated and also I signed a contract stating XXXX XXXX XXXX are responsible for a medical accounts. The medical office XXXX did not send bill/account directly to the XXXX XXXX XXXX, as agreed in their contract agreement. At the time, the original creditor, XXXX stated that they sent out letters to my address in XXXX and I was no longer at that address.
05/30/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 39402	Web
I want to dispute a medical bill of {$370.00} from XXXX XXXX XXXX office, XXXX XXXX XXXX XXXX in XXXX XXXX, CO. I went to see XXXX XXXX on XX/XX/XXXX who just took over the practice at that time for dental cleaning and a minor dental issue : the gap between my teeth and the gum that did not cause any symptoms. I was told it was normal and he examined my teeth and recommended a crown for XXXX of my right lower molars because it might cause problems in the future and I agreed. I had XXXX XXXX XXXX at that time. I was ready to leave XXXX XXXX XXXX XXXX on XX/XX/XXXX for job relocation. I specifically emphasized my last day of work and the health insurance coverage several times with the front desk XXXX and was assured by her that the copay was {$500.00} and my insurance would cover the rest of the cost ( {$500.00} was paid by credit card on that day ). On XX/XX/XXXX, I received a call from XXXX stating that I owed money from their office. On XX/XX/XXXX I received a bill of {$370.00}. I called XXXX and she said that XXXX XXXX XXXX sent me a check of {$370.00}, which belonged to their office. I contacted XXXX and they told me that XXXX XXXX did not join their network until XX/XX/XXXX and that {$370.00} was billed by their office for out-of-network service. I checked my bank account and noticed that their office charged me {$780.00} instead of {$500.00} on that day for copay without notifying me. I had a few phone calls with XXXX. One time she said that she was not the one who took my payment on that day, then next time she said she was ( it was confirmed by her coworker and I know her voice. ) At the end, she denied again and when I asked to speak to the girl who charged me on XX/XX/XXXX, she said that the girl did not work there anymore. She told me that she would send me another bill and if I dont pay, she would send it to the debt collector. On XX/XX/XXXX, I received a letter from debt collector, Capital Accounts LLC. I emailed them on XX/XX/XXXX but they sent me another bill.
12/29/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 35209	Web
On XX/XX/2018 I called Capital Accounts at ( XXXX ) XXXX to inquiry about a negative item on my credit report. I paid the debt and received a letter stating such. On XX/XX/2018, I called Capital Accounts because I wanted to know if and when they would contact the credit reporting agencies to report the debt as paid so the item would be removed by the agency. Before I was able to get a word in the representative said Yes Mr. XXXX I spoke with you yesterday and you want to set up a payment arrangement for the {$61.00} for XX/XX/2018 and that is something we will not do. Knowing the debt was satisfied I asked him if he wanted to review the account and then re address why I was calling. His response was I dont know. The representative was attempting to collect on a debt that was satisfied which is against the law and the representative refused to delve into my account in order to address my issue. I was transferred to a supervisor who told me his name was XXXX XXXX but instead of focusing the conversation around my complaint all the supervisor wanted to discuss was another account he had in his office for {$650.00}. I attempted to tell him that is not what I want to talk about but rather the incompetence of his collector but all he wanted to do was strong arm me into addressing an account that is not even with his agency. That account is with another agency and had already been set up on a pay plan. Capital Collections attempted to collect on two debts by making false statements and should be sanctioned accordingly. After starting this complaint I called back to Capital Accounts as to inquire about the account number to associate with this complaint. A representative picked up the phone and addressed himself as Hello this is XXXX. I asked for an account number associated with an account that was satisfied and the collector said Mr. XXXX, please and proceeded to hang up on me. The company has refused to take any of my calls as to help me with my credit inquiries.
06/09/2015	No	Debt collection Medical	Communication tactics Called outside of 8am-9pm	NM 881XX	Web
I was contacted by a rep of Capital Accounts at XXXX on XXXX/XXXX/2015. I talked to the rep, told him I was disputing the debt and would be calling the original creditor. I called the XXXX to which the debt pertained and got a recording that they opened at XXXX. I then realized that I was contacted too early and called Capital Accounts back to complain. I informed the rep that he contacted me too early and that it was an FDCPA violation and he asked what law he broke. I told him " FDCPA, fair dept collections practices Act '' he then said there was no such law. I informed him there was and he was in violation and asked for a supervisor. I then spoke with a supervisor, XXXX XXXX, who did not apologize or acknowledge that my rights had been violated. He told me that I was in central time zone. I told him that I was in mountain that my address and phone number, though different states, are XXXX from mountain time zone. I asked for another person above him to speak with and he said they would call me back. When I did not receive a callback I contacted them again to write a written complaint and asked for their company information. I specifically asked for their company name, phone number, address, and website. The rep told me she could not give me that information and would transfer me to a supervisor during which time I was hung up on. I called back again to get the information and the rep refused to give me the information as the original creditor had already contacted them and there was no longer a debt to dispute. I told him I was not disputing the debt I wanted his companies contact info. After repeated requests he finally gave me the info. When I asked how to Spell Capital he laughed at me and said with a C. At this point I was at my whits end and I did inform him that capital is spelled capital or XXXX and I did curse at him due to my frustration. I have recorded all of these conversations is they would be of use during this investigation.
10/26/2019	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 Was not notified of investigation status or results	SC 29464	Web	Servicemember
Capital Accounts LLC reported to XXXX, XXXX and XXXX that I owed an amount of {$420.00} from a creditor named XXXX XXXX XXXX XXXX. On XX/XX/2019 I sent my dispute via certified USPS mail to Capital Accounts LLC, XXXX, XXXX and XXXX. In my dispute letter, I requested validation of the debt from Capital Accounts LLC. The debt validation that I requested was : Who was the original creditor on this account, and what was the account number? What was the original amount owed? I asked them to provide a complete payment history, starting with the original creditor. I requested documentation that indicates that I agreed to pay the reported amount of money. I requested the original date of delinquency for this account. I requested a written agreement that grants Capital Accounts LLC the authority to collect on this alleged debt, or proof of acquisition by assignment. I requested how much Capital Accounts LLC payed for this account, and how did they calculate the current amount owed. Capital Accounts LLC has never responded to my dispute by mail, email or telephone. Capital Accounts LLC has been non-compliant with with the Fair Debt Collections Practices Act by not responding to my dispute neither have they validated to me the debt that their company reported to the XXXX, XXXX, XXXX. Capital Accounts LLC reported to Transunion in response to my dispute that the reported debt was paid off and the balance was currently {$0.00}. This is proof that this debt is invalid, fraudulent or was payed off to the original creditor prior to this collections being reported to the three named credit bureaus. I've attached documents of my dispute that I sent to Capital Accounts LLC via certified mail and the documents from XXXX with their findings in response to my dispute. I am requesting that Capital Accounts LLC remove this debt that their company has reported from my credit report from all credit bureau agencies permanently as soon as possible. Thank you.
06/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 21236	Web
On XXXX/XXXX/XXXX, I received a letter from Capital Accounts for a previously settled balance on a XXXX bill from XXXX. I responded in writing that I was disputing the balance on XXXX/XXXX/XXXX by certified mail ( USPS ). By my records, the account had been settled in full on XXXX/XXXX/XXXX after four months of payments directly to the provider. On XXXX/XXXX/XXXX I received correspondence from Capital Accounts again stating that I had not made satisfactory payment arrangements and that they would be reporting my account to the national credit bureaus. I immediately began investigating further and found in my SPAM email a correspondence from the provider dated XXXX/XXXX/XXXX with a bill attached. This is the final bill that I had never received. I immediately responded to XXXX at XXXX by email offering my apologies for the misunderstanding and explaining that his email had been sent to Junk ( it had no subject line and my filters caught it and sent it through SPAM ). I also went online and paid the balance ( XXXX ) via XXXX online payment portal. I have copies of all correspondence and the electronic receipt from my payment in full dated XXXX/XXXX/XXXX. However, on XXXX/XXXX/XXXX I received another correspondence from Capital Accounts with an itemization of services and balance remaining of {$110.00} with a request for me to respond promptly to avoid further interest charges from accruing. This is now twice that I have attempted to pay the balance on my account with no written confirmation of payment in full from the medical provider. This is negatively affecting my credit as this was reported to the credit agencies. I want this removed from my credit report because I have made all good faith attempts to resolve this issue. The people from Capital Accounts are threatening, rude, and nasty and do not care that I have made the payment in full and no longer owe their client any money. At this point, I feel harassed by Capital Accounts.
12/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MD 21044	Web
I would like to file a complaint against Capital Accounts and XXXX XXXX XXXX ( Dental Office ). I had XXXX at XXXX office from XXXX XXXX to XXXX XXXX. I paid all my outstanding balance before my final procedure. In the month of XXXX XXXX, I received a call from Capital Accounts that my account is outstanding in the amount of {$720.00} and XXXX XXXX is attempting to collect this payment. This was the first time I was informed of any outstanding due as I never received any communication from XXXX office - no statement or a phone call informing me of the same. I called XXXX office and found that my address was never updated in their system. I specifically remember I provided my new address to them prior to the start of the dental services in XXXX XXXX as I moved to my current address in XXXX XXXX. The office manager XXXX accepted their mistake and told me it is not the office policy to call patients regarding an outstanding payment. I told them to put my account on hold until I gather information from my dental insurance regarding the dues. However, my accout was reported to the credit bureas and my credit score significantly declined. XXXX XXXX 's office failed to communicate to me, failed to update the address and without making effort to contact me submitted my account to collections. My credit score has declined significantly due the failure on XXXX office to follow due procedure. I received threating calls from Capital Accounts every day even after informing them that I am working with the dental office to setlle this issue. I asked them to note that I am working with the dental office however, Capital Accounts informed me that they do not have any instructions from XXXX office. XXXX office on the other hand told me my account was put on hold when it was not done and was reported to the national credit agencies. My credit score has been hurt and my credit score has went down from Excellent to Fair in just 2 months.
03/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29483	Web	Older American
On XX/XX/19, I filed a complaint with Capital Accounts on the CFPB website. The Companys response was incomplete and, in one instance contains, I believe, erroneous data. I was advised by the Consumer Financial Protection Bureau that the proper way to handle the situation was to file a new complaint to address the three outstanding issues. The first issue deals with the XXXX XXXX XXXX that Capital Accounts sent to me. It shows total charges of {$3100.00} with my insurance company ( XXXX XXXX ) paying only {$330.00}. This can not possibly be correct. I have excellent dental insurance through the XXXX XXXX XXXX XXXX XXXX XXXX. Depending on the service provided, the cost to me would be 75 %, 50 %, or free. The XXXX XXXX XXXX shows the payments from XXXX XXXX that were made. XXXX would have received an Explanation of Benefits ( EOB ) along with each payment. The EOB would show each line claimed and the amount paid. I believe the EOB will show XXXX failed to submit all the claims. Please have XXXX provide a copy of the EOBs so we can resolve this issue. In support of my comments re the levels of benefits that would be paid under my dental policy, Ive attached an EOB and some Pre-treatment estimates. Second, in their last response, Capital Accounts stated that they had accrued interest in the amount of {$530.00} but did not provide any details e.g. dates and amounts of the interest charges. Please do so. I would also like a copy of the agreement that I signed that allows me to be charged interest. In the absence of such an agreement, I have been advised that I can not be charged any interest. Third, in their last response, Capital Accounts said I have made {$500.00} in payments. Originally I had requested that Capital sent me a detailed schedule showing the dates and amounts of all payments so I could reconcile the payments to my records. They have not done so..
08/18/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TN 383XX	Web	Servicemember
On XXXX XX/XX/XXXX, I contacted Capital Accounts to see exactly what the balance is of my debt owed, this is a medical debt that is under a Debt Management Program since XXXX and payments are made every month. I was told that the balance was XXXX, the balance on the DMP isXXXX, I brought this to their attention, I was then at that time made aware that they are charging interest, the original balance is XXXX, my wife contacted the Dentist office, who does not charge interest, under TN law if there is no interest in the Original contract and I didn't agree to it, they can't charge it. I asked the collection agency associate handling my debt when did they start collecting interest, she stumbled a lot on the phone then came back with XXXX XXXX XXXX the date the dentist office stated they turned it over to them, then I asked how much is the interest, what percentage rate?, the associate could not give me an answer, she stumbled quite a lot on the phone, so I repeated the question, again she never answered and then there was silence on the phone, which I waited to see if I was put on hold, waited a few minutes then the phone hung up. I called back, they answered and I asked for the associate 's last name, I asked twice and I was told there was no one that worked there by that name. Upon what information I found out today that I didn't know, they are fraudulently collecting interest on a medical debt for financial gain, they are using deceptive practices, in violation of FDCRA, the associate also claimed that they never received anything from the DMP, I know better than that, cause they are the ones sending them the monthly payments. They were caught in a lie, the associate also stated she knew nothing of the FDCRA as my wife tried to tell her, after I gave my wife permission to talk to them, the associate didn't want to listen after my wife caught her in a lie too.
05/22/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 33014	Web
Doctor was aggressive in pursuit to get us to come to his office for his service, which is a diagnosis of XXXX, i.e., XXXX. Multiple persuasive phone calls. Over the phone assurance to reduce the bill after I advised that I am a single mom and not able to pay for this service. I finally caved and took my son to see XXXX XXXX / XXXX, FL. XXXX XXXX was not there for the appointment. Instead, we were surprised to be taken in by a Technician. My son was given a pill ( I believe XXXX ). We were strong armed into taking a test. This test was advertised as {$600.00} over the phone by XXXX XXXX. I was concerned and researched the doctor after the test finding multiple complaints about aggressive sales tactics ; inability to be reached or not being present at appointments ; as well as inflated billing and collection practices. I opted to cancel the follow up appointment with XXXX XXXX. Numerous sales calls by XXXX XXXX followed, advising me that my son had serious issues and problems and that I needed to address same. I did not make another appointment with this doctor. I was billed {$1500.00} against verbal {$600.00} price assurance over the phone. The bill, supposedly consists of {$600.00} test ; {$100.00} cancellation of supposed XXXX appointments ; and a {$450.00} deductible sum for what I am not certain of. This breakdown by the office secretary named XXXX still does not mount to {$1500.00} sent to collection. This doctor is unethical and as a single mother, I am not able to cover this amount. I do not want my son to be pushed on medicine. Having given my son a pill for testing without first advising me prior to the test and without a consultation prior to the test is absolutely incredible. To make things worse, XXXX XXXX office waited until my son turned XXXX years of age to turn this manufactured bill into a collection against my son 's credit.
09/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NV 89101	Web
I became single, XX/XX/XXXX, renting a room from a person who leased a original to the city residence XXXX, he was defrauding me and did not pay the company their portion of the rent, I notified the XXXX police and FBI, he was forcefully removed from the property and agreed never to return, leaving me with squatters rights, assembly. being polite and not wanting to be evicted homeless I submitted all personal info too the XXXX XXXX XXXX. A XXXX gentleman married several times I believe perhaps was named XXXX but a XXXX gentleman by admission, came over promptly and marked down tons of historical damage running in the XXXX plus, form original broken built ins, to destroyed hardwood flooring and even prior broken windows, whether I was forced into a lease to remain their is unclear. I later provided a 30 day notice XXXX to vacate the property having witnessed a XXXX XXXX XXXX XXXX XXXX or a.k.a. from a few blocks down where I lived prior, I needed to move, having my life threatened. The office came over same gentleman also added up the XXXX in damages but said this was to protect me and knew it was n't my wrong doing. He the company rep stated not all XXXX employees were aware of the situation regarding the forceful removal of their tenant, Im also fully XXXX on Social Security XXXX Income. He stated there might in the future be an accidental bill like there is now XXXX years later, which California, does not enforce from rental companies to my knowledge regardless of formalities, the FBI has been failing to return my victim of crime inquiries, and the XXXX is also aware and involved, as I was informing to them. So XXXX stated not all employees knew and disregard a future bill now I have a collection notice and feel heavily discriminated. Let alone neglected by the white house and FBI victims of crime. Evidence continually posted on my sites
08/14/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 10023	Web
I received a phone call at XXXX on Monday, XX/XX/XXXX from a debt collector ( Capital Accounts ) regarding a delinquent bill from my XXXX going back to XX/XX/XXXX. The original bill from the XXXX was {$400.00}. The debt collector told me that if I did not pay the bill immediately, he would charge me 16 % interest on the debt going back to XX/XX/XXXX. I was also told that if I did not pay the bill immediately, my credit score would be harmed. All of this seemed like a threat to pressure me into paying and I wanted to know if they could do what they claimed. I had received a bill from this debt collection agency on XX/XX/XXXX. I asked the man on the phone to hold while I look for the bill he had already sent me. At that point, he became irritated and told me he did not have the time to wait. I found the bill and began to question it. I determined that I would not get a clear response from the representative and terminated the phone call. I then called the number on the bill at XXXX and reached his supervisor. I asked the supervisor about the 16 % interest. He told me that I was already being charged the interest and that what his representative told me about the back charges of 16 % interest was incorrect. When I pressed him about the misleading nature of his representative 's claims, he responded to the effect that some " re-training '' might be necessary. I protested that it was unfair for them to mislead me. I can not recollect the precise exchange that followed, but I told the supervisor that I would look into this matter to see if they were allowed to mislead me. He asked for my email address, which I refused to give him. He asked that I confirm my address, which he did. I thanked him and terminated the call. Unfortunately, I do not have a record of the phone conversation, but the supervisor told me that they record all calls.
01/23/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90069	Web
XXXX XXXX XXXX billed me for services I did n't authorize Since day one I asked for proof of authorization and I will gladly pay this off. All they have is an itemized bill that XXXX XXXX made up and sent to them. No signatures or anything on mybehalf. I spoke with XXXX XXXX today. She is a manager in the billing department and the one who has been handling my case. She let me know that as of today they only have an itemized bill. This has been the case since day one. She always states that they requested proof of authorization from XXXX XXXX office and they are still waiting for it. I asked if theres a timeline or deadline given to their office and she said no. So I am just supposed to allow this to remain on my credit for as long as they want to i guess. I called back and asked to speak to another manager. They connected me to XXXX XXXX on XX/XX/XXXX @ XXXX He provided me with a record of dates of when I called. ( listed Below ) He then said that I needed to write a written letter within 30 days of them receiving my file which was on XX/XX/XXXX to let them know I 'm contesting it. But if you look at the dates, I called 2 days after it was submitted to their office and no one let me know about this written protocol. I 've always been told by XXXX XXXX that once the Dr office can not prove authorization then all negative marks on my credit will be removed. XX/XX/XXXX Date claim received at Capital Accounts Calls by me to Capital accounts for updates and information XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Capital Accounts XXXX ( XXXX ) XXXX XXXX XXXX XXXX Letters can be sent to : XXXX. XXXX XXXX XXXX TN XXXX XXXX Initial billed amount : {$2500.00} Current amount due : {$2700.00} Collection sent from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
03/16/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	IA 502XX	Web
Capital Accounts LLC out of XXXX XXXX IA, XXXX, has repeatedly called although I explained the debt is not mine. After some discussion and me verifying some information it was determined the debt was for an adult son of mine for a dental bill. All communications on the debt were sent to an address that my son hasn't lived it in over 2 years although the service was about a year ago. Capital Accounts however is claiming that I am financially responsible for the debt because I was the one who paid for the dental insurance and by default anything that the insurance company doesn't pay I am responsible for. They also seemed to claim that the collection was filed under my name as being the responsible party. After contacting XXXX XXXX XXXX regarding this balance and collection effort the dentist office themselves informed me that the debt to the collection agency was filed under my adult son 's name and information as being the financially responsible party. The dentist office only listed me as the father to the financially responsible party. Therefore, other than being listed as the father to the person financially responsible according to the dentist office I was not attached in any other way to the filing of the debt with Capital Accounts LLC. Capital Accounts LLC has been deceptive and dishonest in their collection practice ; actually, they have down right lied about how the debt was submitted by the dentist office in hopes of collecting. Their almost daily calls for the last 3 weeks should be considered harassment in attempting to collect a debt that was not even filed under my name as being the financially responsible party. I informed Capital Accounts LLC repeatedly the debt is not mine, to stop contacting me, and if they truly believe I owe a debt to mail it to an address I've lived at for close to 15 years.
06/03/2019	No	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	FL XXXXX	Web
Please be advised this is my SECOND WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with CAPITAL ACCOUNTS LLC. I have never done business with this company. I am not liable for collection from this debt from CAPITAL ACCOUNTS LLC. I am not responsible for this debt with CAPITAL ACCOUNTS LLC. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
10/16/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	NC 280XX	Web
On XX/XX/2023, I booked a condo through XXXX for XXXX XXXX XXXX. I signed the Rental Agreement, and I paid the full amount of {$5700.00}. The property was removed from XXXX and the rental company, XXXX XXXX, would not respond to email or voicemail for clarification. A few days before the reservation date XXXX informed me that they would give me a refund and cancelation. On XX/XX/XXXX, I receive a welcome email from the rental company sent me an email re-confirming my reservation. Due to a lack of communication I had already booked a different villa from another website. I contacted my credit card company and they credited my account for the full amount. On XX/XX/XXXX, the rental company sent me to a collection agency, Capital Accounts. On XX/XX/XXXX, I received an email and letter from Capital Accounts for {$7400.00}. The reference number is XXXX. I contacted them via email that this was a misunderstanding and that I was working with XXXX to correct it. On XX/XX/XXXX my credit card company reversed the credit, applying the full amount back to my credit card. XXXX left out a lot of details to the credit card company so I reported both XXXX and XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX and XXXX XXXX sent me separate emails and refunded me for the full amount which was {$5900.00}. Since then Capital Accounts have continued to send me letters stating that I owed them {$7400.00}. After having received another letter from Capital Accounts on XX/XX/XXXX, I tried calling them. Every time I am connected to my case manager, she is requesting payment. The connection is very poor and breaks up. I can not hear what she is saying. I sent them another email with attachments of the refund emails from XXXX. I contacted XXXX XXXX to contact the debt collector but have not received a response.
05/26/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 75070	Web
Capital Accounts LLC is attempting to collect a debt from a fraudulent company, XXXX XXXX XXXXXXXX XXXX XXXX. Capital Accounts LLC refuses to acknowledge this company as fraud. XXXX XXXX XXXX XXXX XXXXXXXX is requesting the following through Capital Accounts : XX/XX/2020 XXXX $ debt {$500.00} interest XX/XX/2020 {$14.00} interest I have not been to a place called " XXXX XXXX XXXX XXXX XXXX '' I have been to a place called XXXX XXXX XXXX XXXX. I have also received balances of XXXX on both an invoice and an itemized list. Capital Accounts LLC refuses to recognize the legitimate company and is aiding XXXX XXXX XXXX XXXX XXXXXXXX in fraud. Capital Accounts LLC refuses to provide contact information for XXXX XXXX XXXXXXXX XXXX XXXXXXXX. If they are a legitimate company, how are they not able to provide the contact information? Capital Accounts LLC Supervisor said they have contact information with someone from XXXX XXXX XXXX XXXX XXXX but will not provide it. Capital Accounts LLC refuses to recognize the XXXX balance from the legitimate company " XXXX XXXX XXXX XXXX '' Capital Accounts LCC refuses to recognize that XXXX XXXX XXXXXXXX XXXX XXXX does not exist as a company and you can not even XXXX it. XXXX results shows there is no such business called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX billing has told me I owe nothing. Under Texas workmans comp law I would have never been charged. Everything points that XXXX XXXX XXXX XXXX XXXX is fraud, and Capital Accounts is not recognizing them as fraud because they are liking financially involved. There are people being scammed by both XXXX XXXX XXXX XXXX XXXXXXXX and Captial Accounts, and both of them need to be stopped. I am reporting both of these companies to any fraud related organization I can.
02/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48125	Web
This company opened an account with my name saying I needed to pay them {$120.00} dollars or they would hurt my credit report ( after a couple of hours and phone calls they removed the balance because of the mixup ). They seemed to have mixed me up with my father ( who has the same first and last name, but different social security #, address, and middle name ). I never confirmed my identification to them ( they have the recorded call ) but told me I owed them money, somehow had access to my social security # ( even thought I never confirmed with them that that was my social security number ) and when I asked for their license number he refused to tell me over the phone. They also pulled my address information. I am disturbed that they have all of my information and did not provide me with their information. I am also disturbed that they mixed me up with my father who is almost 3 times my age, lives in a different state than I do, and is not me. I called to file a complaint and they hung up on me multiple times. I would hope they are investigated for their legal practices and that I can have my information removed from their system. ( Mainly providing my father 's medical information to me without his consent, not furnishing their license number, not confirming my identification and still giving out personal information to me ). They were very rude during the phone call and said this would negatively affect my credit report. I was able to resolve the actual debt by calling the medical office and my father who was able to clear up the misunderstanding, but the threatening of my credit report, not furnishing a license number, somehow gaining access to my social security number, and not confirming my identity and then giving me personal information does not seem right
09/25/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19050	Web
On/about XX/XX/XXXX, I received a notice from collections agency Capital Accounts claiming that I owed {$53.00} to a company called XXXX XXXX for an XXXX exam I had back in XX/XX/XXXX. I replied to Capital Accounts on XX/XX/XXXX via a certified letter ( copy attached ), indicating that I was disputing the debt, and asking them to verify the debt. I also informed them that because I was disputing the debt, they should not report it to the credit reporting agencies, and if they had already reported it, to please contact the credit reporting agencies and inform them that the debt is disputed. I also said that aside from verifying the debt, they should not contact me again. I never received any further written communication from Capital Accounts, and certainly no verification of debt, but I did receive at least two phone calls. One of the calls was indeed threatening in nature, where the caller started off the call by yelling at me and saying something along the lines of I had 'better pay up. ' In the meantime, I had reported the issue with the medical provider to the PA Attorney General 's office. The AG 's office launched an investigation, but where unable to resolve the issue with the medical provider. I maintain that the medical provider engages in dishonest billing practices, but decided to just pay the {$53.00}, rather than hire a lawyer. The final letter I received from the AG 's office was dated XX/XX/XXXX. On XX/XX/XXXX, I submitted payment to Capital Accounts via their website. I just today ( XX/XX/XXXX) received a recent copy of my credit score, and it seems that Capital Accounts reported the " debt '' to credit bureaus anyway, which I understand goes against my rights as a consumer. I would very much appreciate an investigation into this matter.
07/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30132	Web
I noticed a medical charge on my consumer report that I did not recognize so I proceeded with the following : XX/XX/XXXX - Notified the credit bureaus reporting this error via certified mail. ( XXXX & XXXX ) XX/XX/XXXX - Sent a notarized letter to the collection agency [ Capital Accounts ] requesting validation or evidence that this debt belonged to me, sent certified mail with a return receipt. XX/XX/XXXX - Capital Accounts received my letter. XX/XX/XXXX - 12 days after my medical investigation began, XXXX reported the account as " verified '' on my consumer report. XX/XX/XXXX & XX/XX/XXXX - XXXX reported Capital Accounts as " verified '' on my consumer report. Per the Fair Debt Collection Act, during a medical investigation, creditors/collection agencies can not take legal or other action to collect the disputed amount and related charges during the investigation. The creditor or collection agency may not threaten my credit rating, report me as delinquent, or accelerate my debt because I have used my FCBA rights. Capital Accounts, XXXX XXXX, & XXXX have all violated my rights. Capital Accounts failed to respond to the dispute and as of today, XX/XX/XXXX they still have not responded. Neither XXXX nor XXXX, has sent verifiable documents as required in the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) supporting this delinquent claim on my report. I requested proof from XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Both credit bureaus have failed to provide any evidence. The medical account in question, owned by Capital Accounts does not belong to me. I have requested proof and explanation of charges, neither of the ( 3 ) parties have provided it. Please remove this account from my consumer report immediately.
02/14/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23320	Web
I had, what was told to me by physician, a surgical procedure to correct problem O was experiencing from previous XXXX with the same physician in the Spring of XXXX. I saw physician in follow up appointments but was never advised of any outstanding debt not paid by insurance company until call received XX/XX/XXXX from collection agency ( Capitol Accounts ) advising on a XXXX debt owed to XXXX XXXX XXXX XXXX Phone calls to XXXX XXXX 's office for explanation were unanswered and appointment was scheduled by his staff to come into office to resolve with physician. Again, I was also having gastro issues and wanted to be seen by physician. I drove the 3 1/2 hour drive, one way, sat in an exam room for well over an hour and was then asked to move to am office where I thought I'd have a consultation with XXXX XXXX. About 1/2 hour later, I was advised that XXXX XXXX was not coming into the office to see nor discuss my case. Please see attached documentation showing dates and attempted correspondence with XXXX XXXX. I believe what happened ( I work in healthcare billing ) was either staff never called to obtain authorization for the procedure, did not bill correctly or never billed it in time thus timely filing occurred with the carrier. This account has been added to my credit file thus causing issues with my trying to find housing as well as astronomical interest rates. He has clearly passed timely filing with the insurance carrier and is now expecting me to pay privately for a medical procedure that he advised I needed to correct the issue. Please note... I originally had weight loss XXXX with him in XX/XX/XXXX. I had the utmost respect for him and his profession until he refused to come in the exam room to exam me and discuss " the debt ''.
12/20/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 07747	Web
On or about XX/XX/XXXX I received a letter from Capital Accounts claiming that I owe them {$190.00}. A month later I received another letter this time claiming that I owe {$190.00}. On XX/XX/XXXX, I mailed a certified letter to Capital Accounts information them that I am disputing the so call debt and that I am requesting validation of this debt and to delete and stop reporting false information to the XXXX credit bureaus. I was expecting to receive a letter within the 30 day window granted to me by the Fair Debt Collection Practices Act. Instead I received an undated one-line note, ( I believe the date was left out on purpose, unscrupulous behavior ) after the 30 day expiration. The one line note that I received from Capital Accounts is now claiming that I owe {$130.00} and enclosed within the one-line note is a statement ledger from XXXX aka in my case XXXX Again I do not owe any of these companies. XXXX was our family dentist, ( who we no longer affiliate with, due to unethical business practices ) was paid in full on XX/XX/2016 and therefore I do not owe them. On XX/XX/XXXX I mailed a second request to Capital Accounts requesting validation of this so call debt that I owe to Capital Accounts. Again my request was ignored because today I received in the mail another undated ( unscrupulous behavior again ) one-line note this time claiming that I owe {$130.00}. I have yet to received any debt validation from Capital Accounts showing that I owe Capital Accounts ( not a second or third party ) and how they calculate what they claim that I owe. I have never done any business with Capital Accounts and nor do I intend to do business with this company. I DO NOT OWE ANY MONIES TO CAPITAL ACCOUNTS OR ITS AFFILIATES.
03/07/2016	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	PA XXXXX	Web
On XX/XX/2016 at XXXX XXXX. I received a call from Capital Accounts Collection Agency. After already making a payment with the gentleman over the phone to set up a payment plan he wanted to put it on auto pay every month. I advised I did not like auto pay and would make the payment online or over the phone every month. He kept questioning why I did not like auto pay and saying it would still be sent to my credit report and no payment plan could be set up if I did not enroll in the auto pay. I told him I just did n't like it. I did n't feel I needed to explain my personal reasons to him since he had been badgering me the whole phone call. He then said " well people do n't like when you do n't pay them for 7 months ''. At that point I was so surprised I said " I do n't care '' and he said " clearly ''. I had previously explained in the phone conversation that I was unemployed ( due to my office closing down ) and that 's why I have n't been able to take care of this bill. After hanging up the phone with him I then called back and spoke with a very nice representative who thoroughly explained everything to me and at that point we did get the payment plan and auto pay set up. She was very understanding and made me feel completely comfortable setting everything up. The statements made by the previous representative were complete uncalled for. If he did n't act in the manner he had we could have accomplished all of that in the first phone call but he just kept pressuring me to use my credit cards for a larger payment and threatening to send all the information to my credit report when I was hesitating to make a payment. He did not try to be understanding or work with me in any way.
06/21/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 35405	Web
Capital Accounts LLC : # XXXX Capital Accounts LLC did not provide me with a HIPAA release that releases my medical information to them ; even more so, by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named collection agency, should this item not be deleted within the 15 day period allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 15 U.S. Code 1681a - Definitions ; rules of construction ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. In a good faith effort to resolve the matter amicably, I restate my demand for proof of the 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 terminate this collection action, and correct any erroneous reports of this debt as mine. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
06/15/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 37206	Web
I was in a car accident on XX/XX/XXXX. On XX/XX/XXXX I sought care at XXXX XXXX. I had 16 appointments with this XXXX. At the end of my treatment I submitted my bills to the insurance company of the individual who hit the car I was a passenger in. The insurance company conducted a private investigation inside the XXXX 's office and saw that 10 visits were posted on a sign for {$750.00}. The XXXX had billed an exorbitant amount of {$3900.00} for the services rendered. The insurance company refused to pay the amount. I sought out advice and in the state of Tennessee you have the option to utilize your private insurance first or the car insurance first and visa versa. I contacted XXXX my medical insurance provider and they informed me that this was something that happened all the time and that I would reimburse them through subrogation. I filed the claims, XXXX XXXX was sent an Explanation of Benefits as he was an in network provider with XXXX ( it is also noted on my chart ), and he was sent a check for the payment. I received numerous phone calls from his office threatening to turn me over to collections stating that I was in the wrong. They cashed the check and the next day it was turned over to Capital Account. I've attempted to state my case to Capital Accounts, XXXX, XXXX, XXXX and all 4 will not remedy the situation as XXXX XXXX states it is legitimate debt. I am providing the Explanation of Benefits that shows what was owed and the contracted rates between XXXX and XXXX XXXX, the cashed check, and my medical notes that show XXXX XXXX had my XXXX policy number and was well aware that XXXX was my insurance provider when I was in his office and seeking treatment.
06/07/2021	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30083	Web
My wife and I moved to XXXX from XXXX on a rescue mission for our XXXX age XXXX at the time. I rented a home at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX through XXXX XXXX XXXX XXXX in XX/XX/2019. On XX/XX/2019 we gave notice to move as we have bought a home. We moved out mid XXXX having paid the full month 's rent of {$1900.00}. In addition, I paid a pro-rated amount for the 9 days of XXXX of {$380.00} to make it a full 30 days notice. This is standard notice when vacating a property. XXXX had 6 weeks to show and rent the house. We left the home in exemplory condition with full cleaning and removal of all items and belongings, trash of every kind. XXXX, did not return our security depost of {$1900.00} and in return sent us a demand letter of payment in the amount of {$4200.00}. They have now hired Capital Accounts of XXXX to collect the sum. ( see attached ) With Covid a major concern these last years I find it appaling that they would go to these lengths to outstanding renters that went above and beyond to even pay a prorated amount to honor our 30 days notice. They had ample time to rerent the home but choose to charge much more for the home and leave it unrented Furthermore we even advertized the property for free for XXXX and forward interested parties to their attention, which they did nothing with. On follow up with these parties I was to find that they either did nothing with the inquiries or did not make appointments to show or the parties were completely ignored. I have attached two bank statements showing the payments mentioned above and a copy of the original lease as well as the demand letter by Capital Accounts. Thank you XXXX XXXX
09/20/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 14226	Web	Older American
The collection Agency has failed multiple times to send me the requested documentation to verify the debt according to USC Section 809 of the FDCPA, USC Section 623 of the FCRA, and the Code of Federal Regulations 16 CFR Part 660. I have requested documentation to verify the debt in XXXX of 2020 and of XX/XX/2020 in which this company is now in violation. I did a final request in this month of XXXX 2020 requesting the items below : 1. Who was the original creditor on this account, and what was the account number? 2. What was the original amount owed? Please provide complete payment history, starting with the late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. Copies of all documents and financial instruments used to pay on this debt. 3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 4. What was the original date of delinquency for this account? 5. Agreement that grants you the authority in your local State and the State of North Carolina to collect on this alleged debt, and proof of acquisition by assignment or purchase. 6. If this debt was purchased a copy of the purchase contract from the original creditor. 7. What did you pay for this account, and how did you calculate the current amount owed? 8. Finally, please provide a detailed list of services performed that represent your alleged balance of {$300.00}. Therefore, due to their lack of compliance of beyond 90-days without forwarding the properly requested information I'm requesting to have the item removed from my credit report or I will obtain an Attorney for legal action.
06/04/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TN 370XX	Web
Dental services were provided to XXXX of our children beginning in XX/XX/XXXX by XXXX XXXX XXXX. Primary and XXXX insurances paid their portion and we made copayments, some by check, some in cash. The dentist was arrested in XX/XX/XXXX in an unrelated case and subsequently had his licence to practice in our state suspended and then later, permanently revoked. His practice is now shut down. He sold a debt that he claimed we owed after his license suspension to a Capital Accounts , LLC of XXXX TN, which is a collection agency. The collection agency contacted us and we asked for validation of the debt as we have all of our insurance statements and did not believe we owe this debt. We never received verification. After making recent inquiries into our credit reports, my husband and I realized that the collection agency had been reporting this on our credit reports. Since we noticed this, we immediately filed disputes with XXXX online. We have since filed another dispute as they have not removed from our credit file. Due to this, we have been monitoring our credit regularly and have noticed that the collection agency has been steadily increasing the amount owed on our credit reports as though they are charging some type of interest, which is in violation of the FDCPA. Other than the phone call from them, we have never received XXXX piece of mail, or a bill, or any other type of validation from this company, and the only place we have viewed anything from them is on our credit reports. We dispute this debt in its entirety and wish to have it removed from our credit reports. We have also reported this violation to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 463XX	Web	Older American, Servicemember
Hello, I had XXXX performed to both my ear and my nose, by to different doctors, one in XXXX XXXX the next XXXX XXXX, I had supplied all of my insurance paperwork to XXXX XXXX of XXXX XXXX, Fl prior to any work being done to be sure my XXXX and XXXX covered everything because I have a very limited income from XXXX, they ensured me everything was covered. Then in XXXX XXXX they send me a bill for {$620.00}, this is after I made the final small payment of {$35.00} in their office at which time the told me I was paid in full. I asked them to tell me what it was for and which doctor it was from, they refused to do that, I offered them a payment plan if it really was a true charge, and they refused that, still to this day they refused to offer any information as to why this charge ( if mine ) happened, what it was for, which doctor it was for, etc. Then all of a sudden I start getting letters from this collection company, Capital Accounts, # XXXX I wrote to them but they refused to help me in any way and now they ruined what little credit I had and keep charging interest, besides the threatening phone calls all this for an account that was paid in full. I was told by the secretary in the doctor 's office who was a family friend that the girl in accounting was on maternity leave during this time frame and the replacement didn't know how to file claims with XXXX and that this problem happened to a lot of their patients. So now these false charges keep getting bigger and we have no way to pay the amount they are asking if these are real charges I could afford {$10.00} a month to pay for them, but there shouldn't be any charges in the first place!
01/12/2021	No	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 77566	Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 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.
07/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80918	Web
Our dental practice received an invoice regarding collections services from Capital Accounts. The services attempting to be collected upon are from patient accounts that were submitted to the collections agency from XXXX under a prior business owners name. Our doctor purchased the practice from the doctor in question in XX/XX/XXXX, however all account aging and collections from before the purchase of the practice remained in the prior doctors name and were forwarded to him via postal forwarding. Capital Accounts had been unsuccessful in collecting and or contacting the prior doctor and on XX/XX/XXXX someone from their office changed the name on the collections account to our doctor based off of our answering service. Once we received the invoice from Capital Accounts we contacted them for more information regarding the account and were notified by their representatives that the debt that they are attempting to collect is not ours. It was also at this time that we were made aware that they changed the name on the collections account after unsuccessfully reaching the prior doctor on our office number. During our conversation with Capital Accounts we made them aware that the account in question had been erroneously changed into our doctors name, and that we did not have forwarding or contact information for the prior doctor. XXXX continued to harass and make threats regarding why we were unable to provide information regarding the doctor in question. We attempted to resolve the matter and get a corrected invoice showing that no debt is owed by our doctor, however the harassment and threats continued until XXXX hung up on us.
08/29/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28205	Web
I have an outstanding debt with a previous rental company XXXX XXXX XXXX. Upon eviction there was no initial walk through performed by this company. Eviction was XX/XX/2017 and it was requested that I leave the key in the mailbox. After 30 days ( XX/XX/2017 ) I received a letter ( via email ) from XXXX, stating charges from XX/XX/2017. I had been away from the home for 21 days. I have no idea what may have happened to the property in that time frame. I did not receive any notices from the Collections Agency, Capital Accounts, so that I can request proof of debt or dispute the validity. According to my credit report this account with the collections agency was started on XX/XX/2017. I am not disputing the delinquent rent due, however I do not have the appropriate documentation for the additional charges. I have requested detailed invoicing for the additional {$2600.00} in trash removal, paint, drywall, and blinds from the original creditor XXXX and Capital Accounts. I have not received this information from either entity. I have requested in writing and via email. Capital Accounts, prior to my reaching out to them, had made no attempt to contact me in regards to this balance. And since my contacting them to request detailed invoice information I have only received one email. The balance since it has been with this company has also been apparently accruing interest, thus increasing the balance. I have disputed this through the credit reporting agencies and still have not received the requested information. One address listed on my credit report was incorrect and my certified letter was returned. My true balance due is {$1300.00}.
04/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 230XX	Web	Servicemember
On XXXX XX/XX/2019, I received a letter from Capital Accounts stating that I owed a debt of {$460.00} to their client, XXXX XXXX XXXX. On XXXX XX/XX/2019, I sent, via certified mail, a notice of dispute and requested that Capital Accounts provide 1. The full name and mailing address of the original creditor for this alleged debt ; 2. Proof of my agreement to pay the original debt ; 3. A copy of the final account statement issued by the original creditor ; 4. A breakdown of the total amount due, showing principal, interest and other charges ; and 5. For all other charges, the date and basis of each charge ; 6. Documentation showing that you are licensed to collect debts in Virginia. Furthermore, I stated that because I was disputing this debt they should not report it to the credit reporting agencies. Should they have previously reported it, prior to my letter dated XXXX XX/XX/2019, I requested that they notify the credit reporting agencies that the debt is being disputed and/or delete the trade line from my credit report. On XXXX XX/XX/2019, I received a second letter from Capital Accounts reasserting that I owed the debt of {$460.00} along with notice that Capital Accounts has reported this delinquent debt to the credit agencies. On XXXX XX/XX/2019, i sent, via certified mail, a second notice of dispute and requested that Capital Accounts provide the information that I requested in my first letter as I do not believe that I owe this debt and reminded them that as of the XXXX of XXXX, I have not received a response to my original letter in the timeline outlined in the Fair Debt Collection Practices Act Section 1692g.
02/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 142XX	Web
Hallo : My name is XXXX XXXX the problem I am with this company Capital Account they reported that I had XXXX done in XX/XX/XXXX in XXXX, fla. And when I called them myself they said the original date was in XX/XX/XXXX it can't because I was having my own XXXX DONE IN XX/XX/XXXX TO XX/XX/XXXX I STILL HAVE THE XXXX that was XXXX AND XXXX and paid BY HEALTH INSURANCE IN XXXX , N.Y. and I Did Not Travel anywhere because my oldest daughter XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX And she lived in XXXX , N. Y. And in XX/XX/XXXX I was going back and forth from XXXX to XXXX to family Court for my grandson all the way to XX/XX/XXXX. And after that I moved into my new apartment at XXXX XXXX XXXX XXXX XX/XX/XXXX and I got my Section 8 approved at the same time in XX/XX/XXXX. And I been taking care of lower back severe pain. I have the paper 's anything you will need. And I did have the father XXXX XXXX XXXX d.o.b. # XX/XX/XXXX who lives in XXXX, Florida he stole from my florida food stamp card he was using it and I was not awhere of this until I moved back to XXXX XXXX XXXX In XX/XX/XXXX and I went to apply in New York food stamp office they said I was collecting in florida so I had to give them his information and I had to show them I had nothing to do with it did and I finally won my case and was able to start receiving my new benefits. Capital Accounts # XXXX. I was able to get XXXX to help me with this item they were able to take out of my Credit Report and then I tried to get XXXX credit report to help me and they were not able to help because Capital Accounts said it was mines and that was it!
07/06/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 20815	Web
I received credit report alert on XX/XX/2019 that Capital Accounts LLC put collection notice of {$190.00} ob behalf of XXXX XXXX XXXX to my credit report in three credit bureau. After I obtained Capital Account LLC contact info from XXXX on XX/XX/2019, I contacted it for the reason why they never contacted me about debt collection before they put it on my credit report. They responded that they did send a letter on XX/XX/2019 to my current address. But I never received it. I asked them to send a copy of that letter to my email. They then sent to my email with a bill amount and doctor office name on XX/XX/2019 but this bill is not the original letter they claimed. The odd thing is that this bill shows that Capital Account LCC is not a debt collector ( see attached files ). I asked them why they did not send me the copy of their original letter dated on XX/XX/2019. They refused to answer. I asked them if the amount they collected was substantiated. They did not answer. I asked them to provide me with their license/permit number as debt collector in my state, they did not answer. In fact, I paid all my bills to the XXXX XXXX XXXX and my insurance paid their portions too. My insurance said that I overpaid XXXX XXXX XXXX already. The doctor never sent me the unpaid bill for collection too. My concern is that if any company can pretend as a debt collector and put any bad things on people 's credit report without justification/substantiation, this will disturb peace and ruin people ' life. Therefore, I am complaining Capital Accounts LLC to CFPB for investigation. Thank you very much.
10/19/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30518	Web
Refusal to provide validation of debt by way of a signed contract bearing my signature in 30 days constitutes a deletion per FCRA. I have sent them and the credit bureaus a letter requesting validation. Capital Accounts have reported to all 3 major credit bureaus that I allegedly owe a debt to them for a company by the name XXXX XXXX XXXX. I have sent them a validation dispute letter with certified receipt # XXXX ( see attachment ) and no response. I also reached out to XXXX XXXX XXXX and they stated that they will get back to me on this matter. They later responded by saying they no longer have this account and that their record shows a {$0.00} balance as of XX/XX/2018. They also responded by sending me a Notice of Security Deposit Letter that was addressed to a XXXX XXXX at XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX. In which, I never resided at nor knows a XXXX XXXX. It's funny how they just give anybody with the same name information without verifying if I am that person. Capital Accounts are incorrectly reporting information on my credit file that belongs to someone with a similar name and some unknown person by the name of XXXX XXXX. I am tired of going back and forth with the credit bureaus when it's Capital Accounts LLC 's responsibility to report accurate information to them. At this point, I will not hesitate to take legal action against them for the following : -Violation of the Fair Credit Reporting Act -Violation of the Fair Debt Collection Practices Act - Defamation of Character Please keep in mind that these violations of the law carry a fine of {$1000.00} per violation.
04/30/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IN 46235	Web
On XXXX XXXX, at the time was a patient of XXXX office of XXXX XXXXXXXX XXXX XXXX At the time I had got XXXX that day and was only XXXX years of age at the time. I never signed any contracts stating that I should be legally responsible for the payments. My mother had signed a contract stating that she would be responsible since I was legally a minor. Even though the XXXX office was aware that I was making payments myself. I was set up on a payment plan with an original balance of XXXX with XXXX monthly for about 2 years. I had initially paid XXXX as a down payment in cash on XX/XX/XXXX. With me being a minor and still in school I did not have a stable income to continue making payments. So I stopped going for months at times. Probably about once a year until around XXXX of XXXX my last appointment. Most of payments I made were in cash. Some were on bank statements that I have. 7 years later after being threatened to be sent to collections after first becoming delinquent for a time I am just now getting a report for a full balance as if no payments were ever made. I never signed a contract after becoming of age of XXXX nor agreed to be financially responsible from the day that I first got my XXXX as a minor. I do believe this is a violation under the FCCPA unfair practices section [ 15 USC 1692f ]. I will need to see proof of the debt. Also a itemized receipt of all payments including cash from XXXX XX/XX/XXXX. I should not have been responsible for the debt as a minor legally. I also need to see proof a an expressed consent contract that I signed agreeing to debt.
08/06/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 38125	Web
Capital Accounts has put a derogatory item on my XXXX credit report. I never received anything in the mail about this medical debt and I have had insuance for the past 10 years. As far as I know, I have no medical debt because I never received a bill in the mail nor have I received any phone calls. I filed a dispute with the Better Business Bureau and Capital Accounts responded with an illegible written " statement ''. The illegible statement also has the wrong address which would explain why I never received anything in the mail. Furthermore, I did not sign anything giving anyone permission to pass on my medical information and I definitely did not sign any contracts with Capital Accounts, so therefore I do not have a business relationship with them. So, they should not be reporting anything to my credit reports. In addition to that, the statement appears to show a balance of {$200.00}. However, they are reporting {$300.00}. So, my HIPPA rights have been violated in addition to the Fair Credit Reporting Act. HIPPA has been violated because personal medical information has been transmitted to a 3rd party without my consent. The Fair Credit Reporting Act has been violated because they are reporting a different amount than the statement they sent me and they are reporting an address different from the one that the original creditor gave them. I have asked for documentation showing my signature agreeing to do business with Capital Accounts and they have not been able to produce anything. Capital Accounts needs to remove this collection from my credit reports immediately.
07/20/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85629	Web
XX/XX/XXXX A collection account appeared on my credit report. I immediately reported to the credit bureaus as NOT MINE. None of them have taken it off as they have reported to me that Capital Accounts ( the collections agency ) has verified the account IS MINE. The account dates back to XXXX for office visits to a dentist in XXXX, CA which was not me. I contacted Capital Accounts asking for documentation to verify it was my account. They sent me a generic statement showing many charges for dental work. The statement showed no names, no address, no social security number, no credit card numbers and no insurance company names or account numbers. I asked Capital accounts for all this info and they stated they could not give it to me for privacy reasons. I stated if it's my account it would be my information so there would be no privacy violations. They still would not offer me the requested info and the balance on the collection account continues to rise. I informed them according to California Fair Credit Reporting Act the account is TIME BARRED for any collections and to remove it from my credit bureau. They still would not. I made several attempts to contact XXXX XXXX by phone ( leaving messages even as a new client ) with NO RESPONSE. I sent them a request by certified mail for documentation to verify the account as valid and it was not received. I believe the company is out of business. I believe the collection agency is doing an illegal " Money Grab '' hoping I will pay. Any suggestion on how to remove this collection account? Regards, XXXX
01/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 349XX	Web
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. Furthermore, I did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
03/06/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75063	Web
I get repeated calls from Capital Accounts regarding collections for a medical debt of ~ {$50.00} ( from XXXX XXXX XXXX XXXX XXXX in XXXX ). I have formally disputed the charge, as I do not agree that XXXX XXXX XXXX should have sent any bill at all. I have always paid all my bills, and of much larger amounts.I keep getting calls, and I have repeatedly requested agents from Capital Accounts to stop calling me. However, they keep calling, and are rude, and it seems their only goal is to harass me. Here is a brief summary : 1. I have a child with XXXX XXXX, and it takes specialized experience in dealing with such children to be able to Consult and treat them 2. When I took my daughter ( my son 's sister ) for her annual exam, I inquired at the office, and they informed me that their doctors have experience and will be able to examine my son 3. When I visited them with my son, the doctor was unable to do any exam on my son and finally gave up saying he needs to be examined under XXXX. 4. They handed me a 'treatment plan ' that required me to pay thousands of dollars. 5. Subsequently, they sent me a bill saying that since they were not able to do a comprehensive exam ( which is covered by insurance ), they called it a limited exam. My point was that the doctor never really examined the child at all - and the doctor clearly had no experience dealing with Children with XXXX XXXX. Something the office made me believe to set me up for the appointment. In light of the above, the charges on this bill are fraudulent, and I should not owe them.
05/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95134	Web
XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX USA My complaint is with this merchant. She has reported a balance owed to her practice to credit reporting agencies using my personal information which I provided to her so she could provide care. After undergoing a minor XXXX in her office with a care provider she decided several weeks later that the balance had not been satisfied. This is the issue. She agreed to bill my XXXX insurance for the cost of the service. She collected that money and I paid the agreed upon difference for the cost of the service at the rate she accepted and which was paid for by the XXXX insurance provider. She is now asking me for money that is in excess of the agree upon price which was set by the XXXX insurance company I used for the XXXX procedure. This is not a legal practice. Her reporting of this balance to the credit bureaus has caused me great frustration and I would like to make you aware of her business practice surrounding medical services. She should know very well that this unethical and fraudulent practice for a medical provider. She has chosen to use Capital Accounts LLC as a collection agency in order to pursue this balance. I would appreciate it if you were to investigate this issue. Her reporting of this fraudulent amount owed to her has caused me hardship, as I am trying to qualify for a mortgage and this account is aggravating the process, since I do not want to pay it and it should not have been reported to the credit bureaus in the first place.
04/29/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 10550	Web
On XX/XX/XXXX I received an email from capital accounts trying to collect a debt of {$340.00}. I responded a couple hours later requesting some very important documents that tie me to this debt. I requested : ( 1 ) a copy of every contract and/or agreement, including, but not limited to, ( a ) an informed consent for medical treatment and ( b ) financial responsibility agreement, signed by XXXX XXXX XXXX and me XXXX XXXX , ( 2 ) a copy of all actual bills sent from XXXX XXXX XXXX to me XXXX XXXX with tracking numbers ( e.g., certified mail return receipt number ) or other proof of mailing ( e.g., affidavit of mailing by individual who mailed it ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by me XXXX XXXX to XXXX XXXX XXXX, and ( 5 ) a detailed itemization of the amount that they are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs. Said contract or agreement must be with the original creditor and signed by all parties involved. They responded XX/XX/XXXX with what look like a computer generated statement that any one could easily create in a software. I have attached a copy of their response to this complaint for you to look at. I have also attach a copy of the initial email they sent to me and my response requesting the specific documents.
03/31/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77065	Web
On XX/XX/XXXX I received a notification from the credit bureaus XXXX in regards to a unknown collection account from Capital Accounts in the amount of {$410.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation in XXXX and to send my a signed contract with my signature and the agent disconnected the call. I called back and requested documents from another agent and was told they would send them but never did. Its been 7 months and the fraudulent account still shows disputed by consumer on my credit file. Capital Accounts purchased this fraudulent account XX/XX/XXXX and never contacted me before reporting to my credit and just reported it on my credit file again XX/XX/XXXX but have yet to send debt validation. Capital Accounts needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over 5 years and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft. The bureaus are continuously inserting fraudulent information on my credit file. I dont have a contract with this company and never have. The account was deleted and reinserted without my knowledge as well and has been reinserted a 3rd time without my knowledge or verification of this debt. Capital Accounts has broken the FCRA laws by reinserting fraudulent debt/ information on my credit file!!
02/07/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 20878	Web
I received a letter from debt collection agent called " Capital Accounts '' and demand me to pay {$1100.00} debt from XXXX 's XXXX XXXX. I was shocked and called the debt agency the next day when they open the business. I have told the customer service that I did not own this money and thought it was resolved XXXX or three years ago. I did have an issue with XXXX with the payment. I have contacted them at least three times or more. I even walked into the XXXX office and the front desk lady said she could not discuss with me and I have to talk to the XXXX wife. So I left my cell phone number but never got responses. The only reponse is a bill statement that is getting more and more money shows on the bill and then I did not receive anything. When I and my kids visited the XXXX office, we have agreement to pay up front to the services they provides otherwise they refuse to provide the services. So my understanding is I have paid everything in full before any services and I do n't own any monney. The agreement is obvious that if I do n't pay they do n't provide services. In other words, If they provide services, I must pay them in full. I am not responsible for any extra charges later without my consent. This is against my will and they can not bait me for XXXX price and ask me for additionals later without my consent. It is unfair that they just send me bill and accumalate the debt and leave to the debt collection agency without my consent and without any proper steps and actively communicate to solve the issue with me.
04/22/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77504	Web
XXXX XXXX XXXX XXXX XXXX, TX XXXX I CAME IN TO THE DENTIST TO HAVE XXXX. I SPECIFIACLLY TOLD THE DENTIST TO XXXX ''! WE SCHEDULED APPOINTMENTS TO DO THIS BEFORE I TURNED XXXX WHEN XXXX XXXX XXXX CERTAIN PROCEDURES AND THE DENTIST MISSED XXXX. A WEEK LATER I NOTICED THERE WAS A SMALL XXXX IN THE BACK OF MY MOUTH AND IMMEDIATELY CALLED THE OFFICE BUT THEY DIDNT HAVE ANY OPENINGS UNTIL 1-2 WEEKS LATER. I CAME IN, HAD THE PROCEDURE, LEFT WITHOUT A HITCH. A YR LATER I GET A LETTER FROM CAPITAL ACCOUNTS COLLECTION AGENCY WITH A 30 DAY RESPONSE REQUESTED. I SEND THE LETTER EARLY XXXX XXXX BY USPS DISPUTING THE ALLEGED BALANCE ALONG WITH THE REASON WHY ONLY TO FIND OUT MONTHS EARLIER IN XXXX XXXX IT WAS ALREADY POSTED TO MY ACCOUNT. I TRIED GOING STRAIGHT TO THE DENTIST 'S OFFICE AND THE STAFF ALL SAY I HAVE TO WAIT FOR XXXX XXXX SINCE SHE 'S THE OWNER [ ALSO THE PERFORMING DENTIST ] BUT SHE 'S NOT RESPONDED, RETURNED MY CALLS OR GAVE INSTRUCTION TO STAFF AS HOW TO PROCEED WITH THIS ISSUE FOR REMOVAL FROM MY CREDIT REPORT. I SPOKE WITH THE COLLECTION AGENCY AND THEY CAN ONLY VERIFY MY IDENTIFICATION ALONG WITH EXTREMELY SOFT INFORMATION SUCH AS MY SOCIAL SECURITY NUMBER AND THE LIKES BUT CAN NOT VERIFY THE DEBT IS MINE AND ARE TELLING ME THERE IS NOTHING THEY CAN DO. THE GUYS THERE SAID THEY CANT DO ANYTHING BUT COLLECT WHEN I KNOW THAT TO BE A LIE. HOW DID THEY GET THIS COLLECTION ACCOUNT IN THE FIRST PLACE? BY SPEAKING WITH THEM. HE WAS TELLING ME ANYTHING THINKING I DIDNT KNOW ANYTHING BUT TO JUST SUFFER AND PAY.
04/23/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77090	Web
This is a formal complaint against Capital Accounts located in XXXX, TN. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, [ under 3 different business names, ] and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Capital Accounts has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
10/24/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 301XX	Web
This Complaint is to address the false information being reported against me, as well as the unfair practices by Capital Accounts LLC. 1. Date of Delinquency is being reported as XX/XX/XXXX, however, this is not the date I was seen or service performed. My records along with the records from my insurance company report DOS XX/XX/XXXX. 2. At the time of service, I paid {$81.00} as instructed by the office manager, prior to any services being rendered. When the dentist filed a claim with my insurance on XX/XX/XXXX ( 7 days before the day being reported ) it was in the amount of {$130.00}, my insurance paid {$68.00}, with my responsibility being {$67.00}. This means Dentist office owed mt {$14.00}. 3. A debt collector has been changing the amount owed every month since it has been reported XX/XX/XXXX. 4. No one has ever sent me anything validating this debt. However I have been denied credit on account of this UNLAWFUL Debt, & it has taken my credit score down every month since XX/XX/XXXX That is 5 years anywhere from 3-6 points over the past 72 months. I will be contacting an attorney over this, I demand a response validating this debt, the amount and how you justify changing the amount every month for past 82 months, and where you attempt to contact me about this debt I do not owe. According to the Fair Debt Collection Practices Act, Capitol Accounts is in violation of the following, but not limited to ; 808 ( 1 ), 809 ( a ), 809 ( 1 ), 809 ( 3 ) & ( 4 ) *this is not an exhaustive list, many other violations
08/04/2022	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	MD 21060	Web
CAPITAL ACCOUNTS Original creditor : XXXX XXXX XXXX XXXX details 0 % of this account is paid off Balance on XX/XX/XXXX {$880.00} Original balance {$880.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Comments Account information disputed by consumer Your statement - Contact info NameCAPITAL ACCOUNTS Original creditor : XXXX XXXX XXXX XXXX details 0 % of this account is paid off Balance on XX/XX/XXXX {$880.00} Original balance {$880.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Comments Account information disputed by consumer Your statement - Contact info Name CAPITAL ACCOUNTS Address XXXX XXXX XXXX XXXX, TN XXXX Is everything correct? CAPITAL ACCOUNTS Address XXXX XXXX XXXX XXXX, TN XXXX Is everything correct?
05/11/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30228	Web
I wrote letters to Capital Accounts regarding a debt that I do not owe to them. I received a statement from the original company which is XXXX XXXX for the amount of {$59.00}. Upon notice of this statement I sent a check through my bank for that amount. Capital Accounts had already placed this item upon my credit without any prior notice. They were trying to collect {$110.00}. XXXX now they are trying to collect {$89.00}. I have not received any notification from XXXX XXXX that I owed any other amount than what I paid. I sent Capital Accounts a HIPPA letter that I attached as well. I do n't owe this amount and it is greatly affecting my credit as it is false information. They have sent me an itemization print out but it lists every date I have an office appointment with XXXX XXXX . I had insurance and have insurance so what was due after my visits were paid. How is it possible to get an statement from the original company that has the correct amount but receive false amounts from an collection agency and it can just be placed upon your credit. I have provided proof of the actual statement from XXXX XXXX and a copy of them receiving the amount that I have paid in full. They failed to provide/perform the following to me : 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.
01/25/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 20878	Web
Respected Sir/Madam, I have built my strong credit over 10 years in the XXXX. I visited for my left eye dust XXXX on XX/XX/2021 as my first visit at XXXX XXXX XXXX XXXX. She did XXXX after complete verification from my insurance dept. After the XXXX my eye had XXXX XXXX for a week. She asked me to visit for exactly 10 days again for a routine checkup. I did my second visit XX/XX/2021 to the doctor. She analyzed my eye and used some tool to remove the XXXX XXXX. It was just a visit. She didn't inform my insurance or me that she will claim {$3300.00} as XXXX again for the same eye repeatedly. My insurance company denied that claim by saying they can't pay for the same XXXX twice in XXXX interval. Which is right! XXXX XXXX XXXX collection team back and forth asking me to pay the complete bill. I told many times about the whole satiation, showing the proof of necessary procedures. Told it was a visit not XXXX. Nobody agreed. Later, they just hung up on my call and never came to any final number. I offered {$400.00} many times from my pocket to resolve the case. Still XXXX XXXX XXXX didn't agree. After a month, I have started getting bills from XXXX XXXX XXXX XXXX. I showed all the proofs, discussed the whole topic, and offered {$400.00} to close the matter. But XXXX XXXX XXXX is not ready to lower the bill which i and insurance don't owe technically. Suddenly, yesterday I received an email from XXXX XXXX that they reported to the Credit bureau without any warning.
04/20/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 33055	Web
On XX/XX/2022 I was taken to the emergency room from my employer XXXX XXXX XXXX, the emergency room my then health insurance coverage was XXXX XXXX. Because it was a emergency XXXX XXXX paid for the billed received from XXXX XXXX XXXX, XXXX. However the physician portion was billed incorrectly, they billed Medicaid which was not my insurance carrier. I have repeatedly attempted to get this resolved with countless calls to XXXX XXXXXXXX, and they refer me to different billing entities XXXX, called this number and they referred to XXXX which then referred to XXXX I have been disconnected, hung up on and treated extremely rude by all that I have reached out too. My final attempt was today to all the above numbers and XXXX when I asked to speak to a manager or supervisor and was transferred to XXXX who was extremely rude and condescending. I explained thoroughly the billing error to which he stated I could not tell him what needed to be done. Refuse to confirm with me my XXXX XXXX member number to make certain that they had the correct information so that they could bill and collect on the outstanding, he stated that they are a collection agency and collect not bill, XXXX XXXX washes their hands and says the agency has to be the one to bill. Bottom line XXXX XXXX has in likelihood written this off and given it to the collection agency to collect cents on dollar, I will not and emphasize will not allow my credit to be harmed over inefficient billing by the hospital.
05/01/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 787XX	Web
Out of network XXXX assistance XX/XX/XXXX by XXXX XXXX was not authorized. Any bill is invalid. XX/XX/XXXX Date of service. XXXX XXXX of XXXX XXXX XXXX claims to have performed XXXX assistance. [ I never saw him, never talked to him, never authorized him to do anything ] He billed my insurance XXXX and was denied because he is out of network. I never authorized him, only the primary XXXX who was in XXXX network. XX/XX/XXXX - received {$270.00} bill.Talked to XXXX XXXX, billing manager XXXX XXXX XXXX, disputed bill and requested documentation of my authorization for the service. No response. XXXX No contact from XXXX XXXX XXXX. XX/XX/XXXX - Unpaid bill reported to credit bureau. XXXX No Contact by XXXX XXXX or collection agency. XX/XX/XXXX - Noticed lower credit rating. Called XXXX XXXX XXXX billing about dispute. Phone rep told me the collections agency is Capital Accounts and took a note for XXXX, Account Manager, to call me back. Also said Provider, XXXX XXXX picks up messages once a month. XXXX No contact from XXXX XXXX XXXX billing or XXXX XXXX. XX/XX/XXXX - Dispute letter sent to Capital Accounts. Responded only with a bill, no documentation that authorized the billing. XX/XX/XXXX - Submitted Texas Department of Insurance complaint. XX/XX/XXXX - second letter to XXXX XXXX XXXX - XXXX XXXX, requesting removal of credit bureau filing to clear my credit because he has been unable to support bill with any response or documentation.
12/20/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32832	Web
For a dental service, I received a bill of XXXX $ to be paid in full to the dental provider. However, my insurance has already paid a part of the bill, amount XXXX $ to the dental provider and also mailed me a letter with all the details mentioned. I currently owe XXXX XXXX A lot of months were spent by the billing department at the dentist 's office to figure out to send the correct bill coding to my insurance. and that's why there was a delay in sorting the bill issue from my insurance company. After the insurance received the correct codes, they issued payment to them directly and sent me a letter stating the same. However, I never received any revised bills from the dentist 's office stating the pending amount from their end. Instead, now I am receiving repeated calls from the collection agency stating that it has been more than XXXX months since the service. They are not even acknowledging the payment made by my insurance to the provider. I emailed the debt XXXX the proof statement from my insurance clearly stating that the payment has been made to the dental provider and I owe only a part of it. Still, the debt XXXX keep calling and asking me to pay the full amount, ignoring the rest. The main point is neither the dental provider nor the debt XXXX are acknowledging the payments made by the insurance company, but are asking me to pay more than what I actually owe, which I would think is a fraud.
09/06/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77004	Web
I received notice of a bill that was in the collection from Capital Accounts in late XX/XX/XXXX. I immediately responded in writing by certified mail on XX/XX/XXXX, disputing this bill because I do not owe any money to XXXX XXXX XXXX. I was sent back a " validation '' that had charges on it that clearly weren't mine and interest and fees which are not allowed by Texas Law. Capital failed to send me enough information to verify that I owed anything on a bill from XXXX. Capital Accounts basically extorted me by threatening to report the information on my credit report whether it was right or wrong if I didn't pay or set up a plan by XX/XX/XXXX. I decided that I didn't want to have to fight to get this incorrect information removed from my credit, so I decided to set up a payment plan just to make it go away. I set the payment up on XX/XX/XXXX and Capital Accounts reported this false information anyway. When I called to clear up the mistake agents they tell me that they can not see that a payment plan was set up in their system. I emailed them my confirmation 3 times, got passed around, and was placed on hold for hours. Finally, I was told that a supervisor would call me back ( by XXXX XXXX whom I was told was a supervisor on a prior call ). No one ever called me back. I was forced to cancel my credit card to stop the payments since Capital Accounts refuses to acknowledge that I set up a payment plan.
02/11/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 94109	Web
I visited the office of XXXX XXXX on XXXX XXXX, XXXX for medical check up. At the time of visit, I paid my copay, gave a copy of my health insurance and driver 's licence. On XXXX XXXX, XXXX, Capital Accounts LLC reported open collections of {$530.00} on my SSN to credit reporting agencies. I have never received any communications from either XXXX or Capital Accounts LLC explaining the charges or any notices before sending the account to collections. When I contacted XXXX office, they told me that I have around {$100.00} in balances not covered by my insurance. When I contacted Capital Accounts LLC, they told me that they had sent a letter about this debt to in XXXX. When I asked for information on that communication, I found that they had sent the letter to a person with wrong name and wrong address. Irrespective of them failing to communicate properly to me, they have placed five times more than the balance that I owe in collections. First of all, I do n't even agree with the actual medical bill as I have n't seen the charges are yet. I have never had a late payment, unpaid balance or collections in my entire credit history. This wrong collection has affected my credit score and history and has put me under immense XXXX. When I contacted Capital Accounts LLC, the representative was very rude and threatened me that I have no other options except to pay the debt and get it out of my credit report.
05/02/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 240XX	Web
I have some adverse information on my credit report from a dentist office that did work for me and my insurance company and I paid what was owed back in XXXX. I was just made aware of the adverse info on the report on XXXX XXXX, XXXX and immediately called the company Capital Accounts ( collection agency ) to dispute, spoke with supervisor, XXXX and started the dispute process. On XXXX XXXX, XXXX I called to follow up and XXXX said the dispute had been filed a couple of weeks ago and they were waiting for the dentist office to respond and he could n't help me further, I needed to wait for XXXX to call me back in 2 hours to answer any other questions. XXXX never called me back. I called back 24 hours later and XXXX said this has been going on since XXXX I do n't need to discuss anything with you and immediately hung up on me. I called back an hour later and was told by XXXX that I needed to speak with XXXX and he 'd call me back, still have n't heard from XXXX. I called today, XXXX XXXX, XXXX and spoke with XXXX again and he said if XXXX did n't call me back then he does n't know what to tell me. I immediately ended the call because this does not seem legit. In addition, I sent a letter overnight to the address I received from XXXX on XXXX XXXX, XXXX asking to resolve this matter, address P.O. XXXX XXXX XXXX, TN XXXX. Please help me resolve this matter so I can move on. Thank you, XXXX XXXX XXXX
05/05/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63031	Web
I've spoken with multiple representatives at Capital Accounts based out of XXXX Tennessee and have been told that they will send me something from XXXX heating and cooling outlining the services they claim to have provided me in the amount of {$89.00}. I disputed this debt with them over the phone have yet to receive any information regarding the debt or a time frame in which it will be resolved. Spoke to a supervisor named XXXX XXXX who told me his extension is XXXX who told me that their information is public when requesting the address to verify the company on XXXX. He would not verify the address that I was seeing on XXXX and only explained it was public and kept giving me a XXXX XXXX XXXX is not the address on google. After explaining to him that I'm recording the call he said I never told him that ( which isnt required in Tennessee ) and then decided to laugh about our conversation and push me off the phone as if it was funny. This Supervisor was very rude and seemed like he could not care less about the fact that I've been trying to get to the bottom of this on multiple occasions now with no XXXX on the XXXX and then speaking in a very condescending way to me like he would prefer I remain in suspense about this. This debt is not valid and If this is not rectified in a way that I deem satisfactory I will be suing XXXX and this collection agency, which seems silly given its {$89.00}.
05/07/2019	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 76034	Web
3 years ago ( XXXX ) I disputed a collection amount with the collection agency after I ended up in collections with a dentist. ( They told me my out of pocket, I paid it and then they went on to charge me more although they already told me the price - it was not a required procedure. ) I sent certified letters disputing at that time. I heard nothing back from the collection agency, so assumed the matter dealt with ( I did not get any calls as would be typical. In XX/XX/XXXX I was alerted that there was an increase to my collections on my credit report which alerted me that it was not dealt with. I disputed this collection amount with the credit bureau again who said it was legitimate. So I also disputed with both the dentist and collection agency two more times. I asked for proof of the debt from the dentist which they did not give me ( a signed quote that I agree to pay the amount as they said they give all patients ). I received nothing from the dentist. I asked for a debt verification from the collection agency ( they haven't responded 2 times ). I have no debt validation information back from the collection agency. I have sent certified/return receipt in all instances as you will see in the attached. Since it is not valid and they have not sent any documentation of the validity - it should not be on my credit report nor with collections ; yet the credit agency is listing it.
01/18/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WV 251XX	Web
XX/XX/XXXX was the first initial contact with a family member of mine about this debt, then on XXXX the XXXX I requested a validation letter over the phone and on XXXX the XXXX I requested a validation letter by certified mail. After not hearing from them after sending the debt validation letter I assumed that they were unable to prove this debt actually belonged to me, as I don't believe that it does since I've only been to this office five times and paid on my bill every time I went. I sent a failure to validate letter by certified mail on XXXX the XXXX stating that " As of today, you have failed to respond to my requests. For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on XXXXSince you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. The next time that I received any communication from this company was on XX/XX/2020 when it was put on my credit report.
02/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
To whom it may concern, THE TERMS YOU AND YOUR REFER TO Capital Accounts LLC. This document revokes all options for remedy requested prior to the date of the notarizing of this document. Attached are the communications, violations, and exhibits for evidential proof. BE MINDFUL SOME VIOLATIONS ARE CONSIDERED BOTH CIVIL AND CRIMINAL. This is my final plea for remedy, in which, I will proceed with the filing of complaints. Ive recently sent communications, Exhibit B, Exhibit F, via USPS mail, Exhibit G, requesting remedy for the damages caused by your willful act ( s ). I received correspondence in regards to my requests, Exhibit E, stating, This is in response to your letter dated XX/XX/2022, wherein you allege that Capital Accounts violated the law in attempting to collect a debt from you Capital Accounts denies any such wrongdoing or liability .... I acknowledge your admission of handling the account ( s ) in the past, Exhibit E. Regardless of the admission, I felt the response was disrespectful and emotionally triggering. You blatantly denied and refuse to take accountability for your willful injurious act ( s ) of torture. Yet, youre admitting to your handling of the account prior to my receipt of Exhibit E, which furthermore, verifies your guilt of the following violations attached to this communication, along with exhibits for evidential proof, but not limited to.
06/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20019	Web
On or about the month of XX/XX/XXXX, I received a phone call from XXXX the administrator of XXXX XXXX XXXX XXXX, referencing the dental bill balance of {$110.00} will be written off and she would notify the collection compant. After retrieving my credit report, The Capital Accounts collection company account # XXXX is continuing to list this negative debt on my credit report with " XXXX '' and is continuing to violate Sec. XXXX. [ 42 U.S.C. 1320 a-7b ] of the XXXX XXXX XXXX XXXX. In my previous complaint # XXXX I explained that I am a XXXX recipient/secondary health insurance XXXX and XXXX XXXX XXXX XXXX in which that information was given to Capital Accounts. According to Mr. XXXX a representative of the capital account collection company there has been one attempt on XX/XX/XXXX to contact XXXX XXXX 's office at XXXX and there has been no return response. Although I filed a complaint in XX/XX/XXXX the negative reporting is continuing to be listed on my credit report and this issue is still ongoing. After speaking with the XXXX XXXX XXXX claims department it was stated to me that XXXX XXXX office is violating the XXXX contract or agreement at the time that service was rendered. Since then and after XXXX notified me by phone, I assumed we all have moved forward from the issue and the XXXX office resolved this matter with Capital Account. Sincerely, XXXX XXXX XXXX
12/10/2020	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 77061	Web	Servicemember
On XX/XX/2020 capital accounts contacted me at XXXX XXXX. I spoke to a representative about a debt they were trying to collect that I was unfamiliar with from my primary care physician. I asked the representative if I could pay it online, as I had not had a chance to investigate this claim. She gave me the website, and explained the process of expunging the debt from the credit bureaus. The conversation was polite and informative. The call lasted 3 minutes and 57seconds. Today, XX/XX/2020 I received 3 phone calls in less than one hour from Capital Accounts the first at XXXX XXXX, second at XXXX XXXX, and the third at XXXX. The third phone call I stepped away from work to answer and informed them that they have called three times now this morning and I am at work in a hospital and asked that all further communication must be done through mail. The woman who was on the other end of the line when I answered the phone also shouted my name at me. She was very inappropriate. I think this repeated calling after I already spoke to a representative is harassment. I work in a community hospital in XXXX TX as a XXXX XXXX. I'm not sure if Capital Accounts is aware, but we are almost a year into a global viral respiratory pandemic and thousands of people are XXXX a day ... as a XXXX XXXX my time at work should be committed to my patients, NOT a bill collector.
09/07/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 752XX	Web
Capital Accounts called XX/XX/XXXX to collect a debt I was totally unaware of. Capital Accounts LLC had an old address on file that I had not lived at for over six months prior to the date the collection was filed which was XX/XX/XXXX. XX/XX/XXXX Capital Accounts LLC called to collect a debt, did not disclose the reason for calling before asking me my name, address, and phone number. Capital Accounts LLC had the wrong address on file and asked me to verify and correct information before disclosing who they were. I have since disputed Capital Accounts LLC with all three credit Bureaus, and they have been discharged from all three credit reports since XX/XX/XXXX. I have since spoken with several debt collectors from Capital Accounts LLC who continue to try to collect a debt that was successfully disputed and discharged. To no avail, I am still receiving calls from Capital Accounts LLC claiming I need to dispute with their administrators since I had them deleted. There is no reflection of Capital Accounts on XXXX, XXXX, and XXXX as well as XXXX XXXX ( despite them not being a credit bureau ). I have informed Capital Accounts LLC multiple times since XX/XX/XXXX that I should not be receiving phone calls any longer yet I am still receiving seemingly harassing phone calls. I have asked for written documentation of the bill in XX/XX/XXXX and did not receive.
12/06/2018	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 77071	Web
Capital Accounts received disputes 3 disputes for the account entry reflected on all of my bureau reports. In my previous correspondence to them, I have requested that they prove the debt they placed on my credit reports and alleging I owe, is indeed mine. This account is not mine. I never received a dunning letter nor any correspondence from them notifying me that they were attempting to collect a debt. My requests specifically requested that they provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable as well as complete accounting of alleged debt. To date, to no avail. Additionally, my third attempt at communicating with them, I requested a copy of the financial responsibility page, copy of signature with the provider of service to release medical information and for any bureau reporting to cease until the debt had been validated by me. Again, to date, to no avail. This erroneous, inaccurate, unverifiable entry on my reports is violating my consumer rights and has caused me denials for credit. Please see attached documents that reflect my numerous attempts to communicate with this company. DELETE THIS ENTRY IMMEDIATELY AND SEND A FULL, UPDATED COPY OF MY CREDIT REPORTS THAT REFLECTS THE AFOREMENTIONED OUTCOME.
01/30/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28262	Web
To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collectors : Capital Accounts. This company opened an account using my personal information with no authorization from me. Capital Accounts has reported to The Bureau that the accounts of the alleged debt are open and active but listed under collections. How can an account show open under a collection status? Capital Accounts has reported an incorrect illegal account to The Credit Bureau without consent from me. The Original Creditor was listed on my credit as XXXX XXXX XXXX which is incorrect. I am a consumer which makes me the Original Creditor. The document requested from this company should show that I agreed to open an account using my name, address, phone number, social security number, etc within their establishment. I do not owe this company and this tactic is listed in the U.S. and State law as identity theft and a HIPPA violation has been violated. They assigned a company identifier number with my personal information attached for an alleged debt that I do not owe. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies due to this oppression.
05/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60103	Web
The original medical provider completely mislead me into thinking that my insurance will cover ALL of the costs associated with treatment. I was very specific with him and he was very insistent that all costs will be covered by insurance. Well, as it turns out, this was NOT the case. Not even close. The part that really gets me is that my insurance does provide me access to acupuncturists that it will cover ALL of the costs. What was the point of me going to someone for treatment that will require me to pay out of pocket when I have an option for the same service at XXXX out of pocket cost? This was unexpected to say the least. After all of that, I still paid out of pocket in the amount of {$500.00} but that is all that I am willing to pay. Even that is too much. This is a very direct instance of the medical provider deliberately misleading me so they can get the business. I object to this debt and I dispute the validity of this debt. This is a complete sham and the original medical provider should be ashamed of himself. He looked me straight in the eyes and told me that insurance will cover everything, you wont have out of pocket costs. THAT is the only reason why I agreed to the treatments. Well after a few treatments and after they bill the insurance, they start trying to bill me. I want this account to be removed from my credit report.
06/23/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92626	Web	Servicemember
On XX/XX/2020, a debt collection company named Capital Accounts sent a collection notice from the creditor called XXXX XXXX. This alleged debt is fraudulently created by the XXXX Office who falsified the procedural agreement between the patient and XXXX by sending a false statement from what was agreed on the service requested. The XXXX office sent numerous charges that inconsistent and created false XXXX procedures which was not performed and can be easily proven by another operating XXXX. The creditor ( XXXX XXXX ) created a falsified treatment plan in order to increase the amount charged through the patients XXXX insurance and billed 3 different inconsistent patient ledger. I have contacted the XXXX office to fix the issue and still the XXXX practice ignored the plea and request. I am willing to submit additional evidence if requested but will not submit since there's Personal Identification Information within the documents available. The collection agency ( Capital Accounts did not verify the validity of the debt through the XXXX office. There was no procedural process to present that the debt is valid or the amount owed is correct and is still in the process of correction from the XXXX Office. The office is using fraudulent billing and collection process in which requires an investigation from a competent authority.
11/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	SC 295XX	Web	Older American
I was rear ended in a car accident XX/XX/XXXX Hired attorney, XXXX to assist. He sent me to XXXX XXXX. I went there for about six months with no relief. I never signed a piece of paper or gave them a credit card or received a bill of any kind from these people. I had to fire my attorney and hired XXXX to handle the case which was finally settled in XX/XX/XXXX. I received a phone call from the XXXX and referred him to XXXX, my attorney, who told him the case had been settled, that no bills had been submitted to him, and that no money was due. The XXXX called me over the phone and told me I owed him {$5000.00}. I told him I had received a very small settlement and all bills had been paid from them and that I never signed an agreement paperwork or a bill of any kin from him. He said he was going to collect his money and that he was going to have collections come after me, which he has done and my credit is now ruined due to this mark on my character. He turned it over to a collection agency and reported it to all XXXX credit reporting agencies. I am XXXX have worked my entire life to have good credit. Before this mark on my character, my report was XXXX. He has done serious damage to my name and reputation as I am a respected person in the community. XXXX turned it over to capital accounts llc who have been harassing me over the phone.
03/10/2022	No	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	MA 023XX	Web
I received a credit alert on my credit report on XXXX saying I owe a company " XXXX XXXX XXXX '' {$1200.00}. which was reported to XXXX from Capitol Accounts in Tennessee. I never received anything from " Capitol Accounts '' about this delinquent bill. No dunning notices or phone calls. This alone is a clear violation of the FDCPA allowing me up to 30 days to dispute account. First, this is NOT my bill! Second, when I called this company they asked if my birthday is XXXX. That was my deceased father 's birthday. I have never signed any agreements or done business with this XXXX XXXX XXXX. This is something my dad had. I have had PERFECT credit for over 30 years. Never once delinquent on any thing. In one clean swoop this collection agency took my credit from excellent to good and within 24 hours. I can only think that the reason how this company got my address is that since he passed away all his mail is being forwarded to me. On top of that, I was born in XXXX NOT XXXX. To assume they had the right person, BEFORE listing the account with credit bureaus, they should have done a better investigation instead of just ruining my credit. I opened a dispute with XXXX and they came back with a response that through their process and contacting Capital accounts, the bill is valid and will remain on my credit report.
02/18/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30349	Web
I contacted Capital Accounts as it related to a negative mark on my XXXX profile, that I believe to be incorrect. I spoke to a representative who advised me of a debt that I owed and once paid, that it will be removed from its repository deleting it from my XXXX account. The debt amount reporting on my XXXX account is {$880.00}. It is not reporting on any other bureaus. I asked the representative to send me a contract with my signature to verify me as the owner of this account, she did not. I was sent a statement with an address that does not belong to me and a debt totaling {$660.00}. I believe this information to be false, inconsistent and incorrect and I would like it deleted from my account immediately. The negative entry still reflects on my credit profile. Capital Accounts placed a collection on my credit reports for a debt I have never received a bill for and for a company I have never done business with. They contacted me by mail only after I disputed the collection with the credit bureaus. I have no knowledge of the debt. I have not received anything prior to this and I have not done business with the company. I don't know how they can just place a collection on my credit reports without ever notifying me before doing so. There many legal violations in regards to this and I will be seeking compensation!
05/13/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92663	Web
My 3 credit bureau reports show a collection account in the amount of {$6700.00} from Capital Accounts LLC, on behalf of XXXX XXXX XXXX XXXX XXXX XXXX opened collection date of XX/XX/XXXX, for work performed XXXX XX/XX/XXXX ( Exhibit 1 ). I have disputed this with all 3 bureaus. I called the collection agency and explained I never had this work done. I had some minor work done and paid. The collection company then sent me a detailed invoice and told me. " see you do owe this, and have a moral obligation to pay it ''. I explained ( again ) that the work listed on the invoice was never performed by XXXX XXXX XXXX, the fees were too expensive. I found a different XXXX that accepted XXXX and that I could afford, and had those XXXX XXXX fixed in XX/XX/XXXX. I sent the proof ( Exhibit 2 ) that the XXXX were repaired at a different XXXX, and asked collection rep why would I get the same work performed a couple months after the date on the invoice from XXXX XXXX XXXX..?! The collection rep yelled that I got the work done on the invoice and had to pay. To prove my case, I requested the medical records from the XXXX 2 times. They have not produced them. This collection account has caused me financial hardship, in the form of high interest rate on car loan and denial on my application for my son 's college loans.
12/22/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	IN XXXXX	Web
On XX/XX/XXXX, I received a call showing a number on my caller ID, XXXX, which is the XXXX XXXX Clerk 's office which I answered and was told I was speaking with XXXX who said she was from the clerk 's office and that I had to repay my payday loan immediately but that there was also a court order that my driver 's license was suspended and that they were attempting to complete service of process and also that there would be a warrant issued for my arrest and that I would have to go to jail and have to post bond to get out. They then told me to call XXXX in order to get the debt resolved. I called that number and the person who answered said that they were with an attorney 's office that was handling the debt I had from Ace Cash Express. I was told that I could either pay a settlement or do a payment arrangement but that I had to do that by tomorrow. I was told that I could not wait until XX/XX/XXXX even though I told them that I am going through an eviction and do not have the money right now, but that I can start paying in XXXX. I think that the collection agency disguised their number as the XXXX XXXX Clerk 's office and threatened me with jail and losing my driver 's license. I checked online with mycase.in.gov, which would list any court hearings, and I could not find any. Please help. Thank you.
03/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 170XX	Web
XXXX XXXX XXXX of XXXX sent {$69.00} bill to collection company Capital Account which does not belong to me. I am not their patient and never was. My wife was their patient back in XX/XX/2019. She had some services done back then for which they charged to our joint insurance company already who approved their bill. They forgot to mention that to their collection company who reported delinquency to my credit bureaus. That act hurt my credit. We are in middle to purchasing a house but because of that delinquency we have to postponed our plans. This will cost us some money. My concerns : 1 ) They have my wife 's info when she was their patient. Why didn't they charge her instead of me? Understand we have a joint insurance card but when it comes to a bill or collection, shouldn't they be looking into their accounts and reach out to the right patient instead of their family members. Isn't this a HIPAA violation? 2 ) If they have charged the insurance company then why they are charging us? isn't this a double dipping? NOTE : this is not a co pay or deductible that my wife is responsible. This is an actual bill and insurance company agreed to pay them. 3 ) As per my wife, they have charged the insurance company for some work in the past that they didn't do. My wife filled a complain and then they reversed it.
05/12/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30034	Web
I obtained a current copy of my credit report from all 3 credit bureaus XXXX, XXXX, and XXXX. I learned that XXXX XXXX XXXX XXXX had reported a balance of {$5700.00}. I previously received a phone call from several months ago and and they stated I owed a balance. At that time I requested documentation in the form of a itemized billing statement and all notes associated with this debt they stated I owe. XXXX XXXX XXXX XXXX never complied with the request so, I figured it was a bogus attempt and the they wouldn't contact me again and they did not. I received nothing from them. Approximately 1 year later see this debt has been reported to the credit bureaus. I have disputed this debt with all 3 credit bureaus and this info remains on my credit report. Also, I contacted Capital Accounts ( who reported the debt ) and requested verification of this debt in the form of an itemized billing statement and their reply was they do not have one on file for this account. They continue to report this erroneous information inspite of not having any valid proof and have ignored my request for documentation as well as my request to remove this item from my credit profile. I am entitled to by law to receive proof of this debt within a timely matter and I have yet to receive a billing statement with the lawful time period.
07/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75052	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.
06/16/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77450	Web
On XX/XX/XXXX, I had a XXXX to replace a XXXX in my XXXX. After the XXXX, I had accumulated a significant amount of billing associated with the XXXX, all of which were sent to XXXX XXXX XXXX XXXX, my healthcare insurance company at the time. Unlike everyone else, XXXX XXXX XXXX XXXX ( XXXX ) neglected to submit a bill to my insurance, and a little over 3 years later I received a notification from Capital Accounts LLC that I owed {$8500.00} to XXXX. This was my first ever communication ( to include a bill ) from XXXX. As per Texas Statutes Code 146.001, a heahthcare provider shall bill a patient or other responsible person for services provided to the patient no later than the first day of the XXXX month after the date the services are provided. I have verified with my former plan administrator ( XXXX ) that XXXX did not submit a claim with them, or with XXXX. Furthermore, Capital Accounts was not able to validate my dispute which was sent via Certified mail within the allotted 30 day time period ( still has not responded with debt validity to date ), and is in noncompliance with the FDCPA for this reason. In addition to stating they did not receive my certified dispute during a phone conversation, Capital Accounts submitted the collections to all three credit bureaus on XX/XX/XXXX.
01/06/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11003	Web
Capital Accounts placed a collection on my credit reports. I have been disputing this account on a monthly basis for more than 2 years. CA keeps reporting that the account is a valid account. I have sent letters on XX/XX/XXXX and XX/XX/XXXX asking for validation of the account by providing 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 ). I received 2 responses each with the same canned response ( 2 page letter ) indicating that they have accompanied the letter with an " itemization of the debt. '' The second pages of each of these letters is a blank page with a barcode in the upper right corner that matches the barcode from the first page of the letter. This is not a mistake. I also received a call today on XX/XX/XXXX from XXXX at CA asking me to make payment in the amount of {$600.00}. I again insisted they delete the item from my credit report as they are not able to validate the account because there is no account. There is no proof that validates this debt because there simply is none that exist. Capital Accounts is in violation of the law 611 ( 5 ) ( A ) of the FCRA and is required to delete this collection account from my credit report files.
05/23/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 329XX	Web	Older American
In a letter dated XX/XX/2020, the collection agency 'Capitol Accounts ' notified me that they were retained by 'XXXX XXXX XXXX ' to collect money already paid. I contacted an attorney in our Legal Services program who notified Capitol Accounts by letter dated XX/XX/2020. " Please be advised that I represent the above-named individual who has recently received a debt collection communication from your company. Pursuant to the Fair Debt Collection Practices Act, 15 USC Section 1692 et seq., you are hereby directed to : I. Cease all further communications with my client, and 2. Provide the undersigned with verification of the purported debt. and 3. Provide the undersigned with the name and address of the original creditor, if different from the current creditor. '' My attorney received no communication from Capitol Accounts. NONE! Despite the letter of XX/XX/2020, I received another letter dated XX/XX/2020 notifying me that their client XXXX XXXX XXXX, " ... has authorized us to report this unpaid collection amount to one or more national credit bureaus '' In another letter dated XX/XX/2020, my attorney notified Capitol Accounts that they had violated the 'Fair Debt Collection Practices Act ' and again repeated the statement that is outlined above ( 1. 2. 3. )
08/24/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 18901	Web
I previously sent a CFPB complaint about this collection agencies communication tactics, basically that this company will not transfer you to a manager and rather would just hang up on you. Last week I filed a CFPB complaint requesting validation of the account and requesting a cease and desist. Capital Accounts mailed the attached letter to me, stating enclosed is the itemization you requested, however, this letter did not include validation, but rather a blank document with the QR scanner square in the upper right hand corner. This does not constitute validation, this letter does not have the MRD Call may be monitored or recorded.. on it either, nor is there return information. I called to speak with a manager, XXXX XXXX laughed at me and stated that he doesnt believe his company did anything wrong and that I can see why my collectors hung up on you ; these are not professional statements and this manager should be fired for incompetence. Consumer request validation and your staff should understand what to do and how to mail documents. Pair the fact that they hang up on consumers when requesting validation and then when there are issues with the documentation they sent, you cant even get them on the phone ; this company should be put out of business.
12/25/2020	No	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 77082	Web	Older American
I received letter from capital accounts under account XXXX on XX/XX/XXXX for creditor XXXX XXXX for pay balance of {$320.00}. I went to get one XXXX XXXX on XX/XX/XXXX. I and my insurance paid them full admissible account of XXXX XXXX. After year end, they send my balance {$290.00} showing that they also XXXX XXXX XXXX during this procedure of XXXX XXXX which was rejected by my insurance that XXXX XXXX is only done when XXXX XXXX. I was also in strong anesthesia and do not know if they XXXX XXXX. I questioned XXXX office that why no approval was obtained from me nor admissible, they simply replied sorry. I called and send numerous request to Capital accounts that XXXX XXXX is not done by any XXXX when we go to XXXX XXXX. Verbally they always agree with my submission but looks as part of their paid service they send this debt to credit records. It will not be out of place to mention that this XXXX has mostly been overcharging than admissible amount allowed by my insurance which was brought to the attention of Capital accounts. In nut shell XXXX has been charging me by unfair means. Kindly arrange to help as no XXXX XXXX is done by any XXXX at his own when any customer goes to XXXX XXXX. With kind regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
06/09/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33991	Web
In XXXX I contacted XXXX XXXX who my Debt was with, I had no idea I owed them anything as I withdrew my daughter due to their negligence after she had had XXXX XXXX on both eyes. I contacted the Director, XXXX, to try and resolve the issue around XX/XX/XXXX when Capital Accounts put I owed around {$660.00} to XXXX XXXX. I told XXXX I was charged the wrong amount due to my daughter being pulled out of the Daycare, there was no way I owed over {$600.00}. On XXXX XXXX, XXXX the Corporate Assistant from XXXX Emailed XXXX about the situation stating if I paid the amount of {$260.00} that she would contact the Collections company and have it removed from my Credit. The Collections company and XXXX had put I owed over {$600.00} initially which upon me talking to XXXX she confirmed that amount was incorrect, hence the Email from Corporate to XXXX. I paid in full the {$260.00} on XX/XX/XXXX. I disputed the claim on my XXXX XXXX account soon after and it was not taken off. I called XXXX at XXXX XXXX and asked why this debt was not taken off my credit yet and she said the Collections Agency was refusing to take it off. I have paid the amount I was told even though I did not owe that in order to have this taken off my credit as it is harming my Credit score.
08/03/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	PA 15210	Web	Older American
I had a XXXX done because Dr thought there could be possibility of something serious ( XXXX ). Never was I informed that a XXXX was not covered by my insurance by anyone at Dr office. When my bill came ... a portion was not paid because XXXX do not cover XXXX. I spoke to my DR about filing an appeal then I got a call from a Collector who was verbally abusive, threatening & denied having anyone in authority I could speak to. His name was XXXX. I called Dr office and explained I would make $ XXXX/mo payments on XXXX each mo as I am on SS XXXX. She took payment and I asked her to call company and tell them I made payment arrangements with them. She did and the next bill reflected the payment made. I called the XXXX to make my pymt and she was not there ( this was today when I got my check ) and I left her a msg to call for pymt. After that I got my mail notifying me that they had turned me into credit bureau for lack of making pymt arrangments ( lie ) as the manager told me that because I made them with Dr and NOT THEM even though Dr office told them ... it was not good enough. I said well I will make my pymts and thru you BUT that has to be removed from my credit report as its a lie ... I had MADE PYMT arrangements and they had it on their records.
05/04/2022	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94107	Web
Capital Accounts has forwarded a bill to me XX/XX/2021 attempting to collect a debt from me that I do not owe. In the letter they use threatening language stating it was a demand for payment and failure to respond within 30 days that Capital Accounts would report the debt to Credit Reporting Agencys. I responded XX/XX/2021 Certified mail asking them to Cease and Desist, and for proof verifying such debt I allegedly owed ; and they have not done that. Ive sent three other documents for request and for damages and still no compliance. Capital Accounts has sent a bill to my dwelling and has made my phone ring without my prior consent ; and has now reported false information to my credit report, ignoring my request to Cease and Desist. Capital Accounts are in Violation of False Claims Act as they have not provided verification of such claim against me but yet have taken it upon themselves to still report false information to my credit report. Capital Accounts has used abusive and unfair debt collection practices in Violation of Consumer Law. I conclude that I have never done business with Capital Accounts, and I have no connections to Capital Accounts. I dont know who they are ; why they have reported false information on my credit report.
09/13/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	IL 60636	Web
On XX/XX/2016 Capital Accounts reported an invalid debt to the XXXX major credit bureaus on my behalf. I immediately sent Capital Accounts a letter requesting validation of which they received XX/XX/XXXX. I then waited 30 days and sent a follow up letter requesting validation again, of which they received XX/XX/XXXX. As I had not heard back from Capital Accounts, I filed a dispute with XXXX, XXXX and XXXX as I 'd never done business with Capital Accounts and did not owe the alleged debt. On XX/XX/XXXX, Capital Accounts verified the account as accurate with the XXXX. 48 hours later, I received a message from another credit card lender that due to the recent changes on my account caused by the collection Capital Accounts reported on my behalf, they lowered credit line XXXX % causing my credit utilization to rise to XXXX % and tanked my credit scores tremendously. Due to the invalid debt, I 've been denied additional lines of credit and an opportunity to lower my current interest rates. Capital Accounts has violated FDCPA regulations : 1692 e ( 8 ) Threatens or communicates false credit information, including the failure to communicate that a debt is disputed and 1692 g ( B ) Collector must cease collection efforts until debt is validated
04/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	NC 28213	Web
A balance in the amount of {$67.00} was paid to XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX , MD XXXX ; telephone XXXX on XXXX . Unknowingly, I was unfamiliar with the balance until I requested a copy of my credit file from XXXX , XXXX and XXXX . I contact XXXX XXXX 's office and they stated they had mailed me an invoice with a {$67.00} balance several years ago. However, I never received the invoice due to moving from XXXX XXXX to XXXX XXXX . A change of address form was submitted in XXXX , however, I never received the invoice. XXXX XXXX XXXX XXXX office submitted the payment to a collection agency, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , TN XXXX ; telephone XXXX XXXX XXXX XXXX Capital Accounts stated the balance is {$87.00}, which I am disputing. Attached is a payment receipt from XXXX XXXX 's office disputing the {$87.00}. XXXX XXXX 's office stated they contacted Capital Accounts to let them know the payment was made, however, XXXX XXXX XXXX XXXX refuse to update the payment as being paid, which I have also been disputing the fact payment was made with Equifax and they refuse to delete the unpaid balance off of my credit file.
03/15/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web	Servicemember
My stepson, who was XXXX at the time, went to a doctor. That doctor billed the insurance and sent me a bill. I called them and explained I am not his guarantor, he is XXXX and provided his contact information. I was told that I am not a good parent and should take responsibility since he is my son. I advised him it does not work that way, he is of legal age and legally his own guarantor. They called him and he did not answer. They called me back and said both my wife and I are irresponsible and should have raised him better, not to leave debts. I told her he is his own person and I am not paying the debt for him. I was told they would turn me over to a collection agency. I advised them they can not since the debt is not mine. Captial Accounts has called me three times in a week and I have explained this to them. They told me the account was put in my name and turned over to them, I would need to take that up with the doctor 's office. I told them the Dr office refused to do anything and they are harassing me by constantly calling for a debt I do not owe. They talk over me and are rude, then ask me to verify my contact information so they can continue to contact me. I usually curse and hang up on them, my right to do so.
03/29/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78260	Web
After dealing with 2 dr offices, he owns both, i had authorized payments to be taken from my debit card monthly until paid in full. Not knowing there were 2 billing offices, i ever received a bill for a service tat ended up being written off. After several months of back and forth with the dr office, it was clear they sold the debt to Capital Accounts in the amount of {$2900.00}. I never received this info as they had a pob that i had not had for years. I saw the credit bureau where it was listed. I contacted this collection agency to inquire what this debt was for and was told for the services from XXXX XXXX XXXX, which is my heart dr . I see him 1-2 a year and was never told there was an outstanding balance. I was not given opportunity to deal with this debt until they posted it on my credit. Working with XXXX with the billing office at the dr , she is trying to pull back the account, telling me that the Capital Accounts refuse to send back the file for them to collect. I will not deal with a creditor that handles business as such. I do not dispute the debt as I will gladly work a payment plan with the dr office but not with the unprofessional people who do nothing but tell me to pay my bills and not be a dead beat.
10/24/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 336XX	Web
Back on XX/XX/XXXX I looked at my credit report and noticed it was an account listed in derogatory for {$2500.00} by a company named Capital Accounts LLC. They never reached out to me prior to this and damaged my credit. On XX/XX/XXXX I wrote Capital Accounts LLC and requested validation and a contractual agreement bearing my signature proving that I owed them a debt. On XX/XX/2019 they sent out a letter to me stating they had retained my account from a third party, I now owed them {$1200.00} and that I had 30 days to dispute the validity of the debt even though my first correspondence to my credit being damaged did this. On XX/XX/2019 I sent them out a second letter requesting validation and a contractual agreement bearing my signature proving I owed them a debt. They updated my credit report to show the account was in dispute and it now shows I owe {$1100.00}. The never addressed my second letter and sent me out a letter stating I haven't made any payment arrangements with them to pay the balance which is now {$1100.00}. As a result I am requesting this account be removed from my credit report immediately as I believe they are in violation of the Fair Debt Collection Practices Act, The Fair Credit Reporting Act.
09/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22306	Web
I originally reached out to capital accounts after seeing a charge on my account with XXXX for a very large, false amount that had never been reported to me by the collection agency or school themselves. I told them the debt was invalid with no supporting documentation with no help I went to the XXXX of Virginia Department of Higher Education and they found that the school did not have any documents holding me financially responsible for this debt and ruled that i was not responsible. It was in fact invalid, it was noted XXXX did not take the proper steps and was at fault. Fast forward to now Capital accounts still refuses to take the account off and the school is not cooperating with me either despite what the director told higher education, me and supporting documentation. They are hanging up on my face, refusing to allow me to talk to management higher up positions, my calls are continuously " dropping '' despite being very polite, respectful, calm and showing all proper documentation. They are claiming to wait on the action of the school but the school is claiming to be waiting on them it is a entire run around. the main deal is the amount is not supposed to be on the and needs to be removed expeditiously.
04/12/2021	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 336XX	Web
In XXXX of 2021 I noticed a delinquent account on my credit report from a company named Capital Accounts and it says original creditors name is XXXX XXXX XXXX. The amount owed says {$1200.00}. On XX/XX/2021 I wrote them a letter asking to validate the debt and show me some documentation bearing my signature that I owed them a debt. They responded with a letter saying that " Enclosed is the itemization you requested. This account has accrued {$350.00} in back interest and monthly interest for a total balance of {$1200.00}. '' The back page was blank and no itemization or documentation bearing my signature was included in the letter. I wrote them back on XX/XX/2021 as a goodwill to try and obtain the information I was requesting. They responded with another letter stating the itemization I requested was enclosed and I now owed 1251.02 but the page was blank. In another claim # XXXX, this company sent me a copy of my personal protected health information including procedures I may have received and is in violation of HIPPA laws as I never provided this information to them. They also have not given me the requested information of any document bearing my signature stating we have contracted and I owe them a debt.
08/15/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30349	Web
I received a letter from Capital Accounts on XXXX XXXX, 2016, alleging that I owe an outstanding debt. I requested on XXXX XXXX, 2016, that Capital Accounts provide me with verification and validation of the alleged debt and any documents proving I, XXXX XXXX, am the person in question. Capital accounts has failed to provide me with any documentations proving that I am the debtor. I was advised by a representative in Capital Accounts office that they could provide me with an itemized bill of the charges owed. I requested Capital Accounts send me a copy of any signed documents where I promise to pay or repay any outstanding balance. Capital Accounts has failed to provide me with any documents and applied this account to my credit history without proving I am the person in question. I sent a letter to Capital Accounts within the prescribed time and Capital Accounts failed to verify or validate this alleged debt. Capital Accounts is in violation of the FCRA and FDCAP according to the consumers rights to dispute. I am requesting an " immediate '' expulsion of this negative reporting debt from my credit history and a cease and desist of any further collection activity by Capital Accounts until proper verification.
05/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TN 373XX	Web	Servicemember
I have received repeated phone calls from Capital Accounts regarding a debt received in their office from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, TN XXXX, ( XXXX ) XXXX. XXXX XXXX XXXX office states that there is no debt owed them from me. XXXX who is in the doctor 's billing department has contacted their sales departments ( XXXX ) at Capital Accounts to confirm this information. We spoke with a supervisor, XXXX at Capital Accounts, who handled the call from myself and XXXX on XX/XX/2019 and was told that he saw where XXXX called and and see that there was no account but he would further investigate and get back in touch with me. I did contact XXXX today and he did remember our case, put me on hold, and the call was lost. I called back and the CSR was very rude and refused to allow me to speak with XXXX. I explained to her that he was the supervisor who did ask me to contact him with futher questions. She became extremely rude and the call was disconnected. I called and got another CSR who was equally rude and shouting at me explaining he was handling everything now and that I would not be able to speak with XXXX as he never spoke to people who had the debt. This call ended up with no resolution.
02/18/2021	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ XXXXX	Web	Older American
I was contacted by a collecting agent by the name Capital Accounts on XX/XX/2021. Capital Accounts wants me to pay a debt of {$900.00} and the creditor is XXXX XXXX ( See attached copy of First Letter from Collecting Agent ). In response to my debt validation request, Capital Accounts sent me a medical bill put up by the physicians office ( See attached copy of Second Letter from Collecting Agent - WOB ). This medical bill is not a proof that I owe the debt and I have already disputed it with the physicians office before. Later, on XX/XX/2021, Capital Accounts sent me a letter telling me that they had sent a delinquent debt report to the three credit bureaus ( See attached copy of 4th Letter from Collecting Agent ). I have made it very clear to Capital Accounts that these medical charges are all wrong and I had already disputed them with the physician. Yet, Capital Accounts ignores all the facts and continues to conduct activities to damage my reputation by sending delinquent debt reports to the credit bureaus despite the fact that it did not or could not prove the debt it claims on me. This is a brutal attack on consumer rights. Please take all necessary actions to punish such outrageous behaviors.
06/20/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33584	Web
In XXXX 2017, Capital Accounts began reporting a medical debt to my credit from XXXX XXXX XXXX XXXX. This was shocking to find on my credit for a number of reasons. 1- I am insured, so there should be no debts owed to the doctor. And I certainly did n't know they thought I owed them anything, as I never received a bill. Otherwise, I would have handled the mistaken debt with them directly. I dont even know who XXXX XXXX is. 2- When I looked up Capital Accounts to make sure they were a legitimate company, and not one of the scammers that have become so prevalent of late, I discovered that they are n't licensed to collect debt in Florida . Both the doctor and I are both in Florida, so I 'm honestly not sure how it 's possible for them to be reporting a debt they are n't even allowed to collect. Though it may explain why I never received notification from them prior to the account being reported to my credit for non-payment. 3- The amount I supposedly owe keeps changing. When I look at the reported balance history on my XXXX report, the amount increases a couple of dollars each month. Is interest being added? Or has Capital Accounts decided to tack on fees for the debt? I did n't think that was allowed.
01/10/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NM 88012	Web	Older American
Reference Capital AccountsNo : XXXX First of all, a customize night guard should not cost {$1100.00} with Dental Insurance unless Im Tarantazours rex. Second, Im that rare debtor that dont like owning anyone anything, so I paid in full after each visit to XXXX XXXX XXXX XXXX I went to XXXX XXXX XXXX XX/XX/XXXX for the fitting and paid {$440.00}, I went back when the night was supposed to be in but wasnt on XX/XX/XXXX and paid {$390.00}. A week later the night guard finally came in and I asked the office manager, how much do I owe? She said she ran my insurance and that I overpaid and they owe me {$60.00}. I left my job at XXXX XX/XX/XXXX. The office manager called me in XXXX of XXXX and said that I owed {$300.00} ; I recounted my visits and she remembered me. I told her that I no longer worked at XXXX. She said shed run my Dental Insurance and give me a call back, she never did and they still have sent my {$60.00}. Attached is my bank statements proving payment in full. Ive sent the same documents to Capital Accounts, XXXX XXXX XXXX and XXXX ; neither of these companies have accepted my proof. FYI : I sent the same documentation to XXXX and XXXX and theyve removed the negative charge.
05/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 73160	Web
Capital Accounts XXXX XXXX XXXX XXXX, TN Capital Accounts reported a debt balance of {$250.00} opened XX/XX/XXXX to XXXX, XXXX and XXXX. On one of the reports it was a balance of {$260.00} XXXX conflicted info ). Since then the following payments were made ... XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$20.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$9.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX {$20.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} Total paid to Capital Accounts {$240.00} so far. The balance owed would be {$18.00}. These payments were done online with a credit card.Capital Accounts is reporting back to the Credit Report companies a different balance over {$200.00}. It was previously removed by XXXX and XXXX since I disputed it..BUT Capital Accounts has now reporting it again with a wrong balance and is back on my credit report. Is this legal?? I have contacted Capital Accounts and they are not willing to cooperate. I have receipts if needed to send to you. Maybe we need to check their license see how legit this company is since it appears to be a scam issue.
12/01/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 220XX	Web	Servicemember
XXXX XXXX kept poor account records, double billed for procedures, failed to submit insurance claims fully, in a timely manner, or at all, and engaged in questionable billing practices. I notified XXXX XXXX that I was moving to another state and they settled my account. A year after the move, XXXX XXXX called about a past due amount. After discussion on two separate calls, the account was again cleared as settled. After nearly a year, XXXX XXXX submitted a claim, without notice, to Capital Accounts for collections on the debt it had already stated was cleared. I immediately disputed the debt with Capital Accounts. Capital Accounts failed to immediately provide alleged evidence of any debt. When it finally did so, the information it provided did not clearly show an accounting of each transaction. Without critical analysis of the account statement provided by XXXX XXXX XXXX office, Capital Accounts validated the debt. However, after a critical analysis of the debt ( attached to this complaint ), the account record provided by XXXX XXXX XXXX office shows a number of accounting errors and inconsistencies, and questionable practices that refute the existence of any debt at all.
03/20/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IN 46545	Web
I have been contacted by Capital Accounts daily since the end of XX/XX/2019 in regard to some medical debt from XXXX XXXX. They immediately asked me my intentions to correct this debt. I never received a physical account summary, so I had them email me said document. On XX/XX/XXXX and XX/XX/XXXX, they emailed me this document. I inquired in one of the daily calls, how I can pay this account online. They directed me to their website, which was on the account summary. There are 2 options ; One is an immediate one time payment option, which I told them I am not comfortable with because I want to track what I pay them for my records, but that will pull up my account correctly. The other option is a link to " other payment options '' which I input my information into and it says it can't find my account and to contact a rep via phone. I have told them multiple times I am attempting to verify my account on their online system with some type of portal login so that I can track what I pay them and have records. They say their system doesn't work that way. Every time I ask them why or tell them I need documentation of what I pay them, they abruptly bid me a good day and end the call.
08/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76148	Web	Older American, Servicemember
I went to a XXXX for consult on XXXX procedure on my XXXX. She proceeded to take a sharpie and make marks on my XXXX explaining very little about the procedure but emphasizing the cost and forms of payment. I paid for the consult and left her office then asked my primary physician for a different referral. Shortly after the visit I received a call ( from a rude office rep ) regarding my initial visit and wanting to schedule the procedure. I informed them I had already been in touch with a different Doctor and wouldn't require their services. She then responded " good luck with that '' and hung up the phone. Another reason I did not want to use this office. Three to four years after the fact a collection showed up on my credit report. I contacted them and once again received rude treatment and was told it was out of their hands because it had been turned over to collections. I have protested this through the credit reporting agencies and asked for proof of agreeing on any other charges other than the initial office visit, nothing produced. I would like this negative/false information removed from my credit report. I've worked very hard to maintain a positive credit rating.
05/28/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 10003	Web
There are two parties involved : XXXX XXXX. XXXX in XXXX XXXX and their debt collection agency, Capital Accounts LLC. XXXX XXXX. XXXX in XXXX XXXX repeatedly charged me for misleading amounts without letting me know. They would quote me I need to pay a certain amount, assuring me the rest would be paid by insurance. The insurance company never paid as much as expected. XXXX XXXX. XXXX 1. systematically underestimated the amount covered by insurance to trick consumers into buying procedures and 2. hid the debt from the consumer until it was too late. It is visible that they misrepresented the true cost of the procedure from the billing sheet - I always paid the amount expected on the day of, and then they either collected less from the insurance company or increased the price retroactively. A one-time mistake would be plausible, but it happened almost every time. I received no notification of these debts until recently, 3 years later, when Capital Accounts LLC showed up on my credit report. Capital Accounts LLC is misrepresenting the amount owed. Even XXXX XXXX XXXXal shows that the debt is {$1200.00}, but Capital Accounts LLC fraudulently lists it at over {$1700.00}.
07/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 37064	Web
Capitol Accounts, LLC in XXXX apparently bought an account from XXXX XXXX that I had already paid off. XXXX XXXX bought another XXXX XXXX where I'd had an account. That account was paid off. Capitol Accounts reached out to me regularly for payment. I told them I did not owe the bill. In XXXX I filed a dispute. They said they would request documents from XXXX XXXX. I never heard back from them. I reached out to XXXX XXXX. Their office manager told me they had no record of my account and they no longer had documents from the original practice. Capitol Accounts still refused to remove this account from my credit report. I began following up again in XX/XX/XXXX. They have repeatedly said they are reaching out to the XXXX XXXX for a report. I called the XXXX XXXX, they say they have received no such request. The collection agency and the XXXX office are literally 2 miles away from each other here in XXXX. At this time this account is still on my credit report and though I have repeatedly asked for documentation showing I owed this XXXX Office money they have continued to put me off and not provide the request information and NOT take this account off my credit report.
03/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 11722	Web
XXXX XXXX XXXX XXXX contacted me in early XX/XX/XXXX regarding a balance I owed of {$600.00}. I told them I would pay it. I made the payment through my HSA with XXXX XXXX, check # XXXX dated XX/XX/XXXX for {$600.00} was paid to XXXX XXXX XXXX XXXX. I have a copy of that check indicating they deposited it on XX/XX/XXXX. I received a collection notice from Capital Accounts dated XX/XX/XXXX indicating I owed {$600.00} to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. I mailed my response to Capital Accounts with a copy of the cancelled check. I then received notices that there was a new account on my XXXX and XXXX credit reports. Upon investigation I see the new account was the debt collector, Capital Accounts. I filed disputes with both XXXX and XXXX. I then received another bill from Capital Account dated XX/XX/XXXX stating I owed {$820.00} to XXXX XXXX XXXX XXXX. This amount is incorrect, as the original bill was {$600.00}, which was paid. I have not visited XXXX nor incurred any new charges to warrant the increased amount. I receive a response from XXXX dated XXXX/XXXX/XXXX stating verified as accurate even though I provided proof that I paid {$600.00} to XXXX on XX/XX/XXXX.
11/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ XXXXX	Web
I received a phone call from a debt collector on a Friday afternoon. I explained to him that my XXXX union was notified and they were going to pay for the services. He then proceeded to ask why wouldn't I pay the bill with a credit card and i can get reimbursed from the insurance company. I explained to him that the information was already being processed. The claim was paid for I don't owe any copays or coinsurance. He stated why wouldn't I pay for the services. You have excellent credit, why wouldn't I just pay. This man harrassed me while I was at the supermarket with both my kids. I asked him to give me until Monday because I did not have the proof in front of me. I called both the credit company and XXXX office. I was told they were going to retrieve the account from the collection company. I received a call last Friday telling me that the account was placed on hold until they completed this investigation. I called Dr. XXXX XXXX office spoke to XXXX who stated to me that I am not responsible for this bill. I am very upset that I was harrassed for this bill and it was put on my credit report. When I have been cooperating with them in trying to resolve the issue.
04/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33069	Web
Capital Accounts claims that I owe a debt # XXXX for {$3000.00} from XX/XX/XXXX. They say they are from XXXX?? I explained to them that this debt is not mine. I also explain to them that I was incarcerated in a Federal prison in XXXX?? It would have been impossible for me to make these charges!! I never signed and document of agreed to any of the charges they claim. they are not my charges. I have been divorced since XXXX. I believe these bills were made by my ex-wife. I know nothing of these bills, nor was I ever called to authorize them or assume responsibility for them. I have asked Capital Accounts SEVERAL TIMES to remove this item from my credit report. I also asked them to provide me with PROOF of these charges and PROOF that they are mine. They have informed me that they have NO supporting documents to supply me!! This item # XXXX has to be removed immediately! It is over 11 years old! It is unlawful to makeup charges and attach them to someone credit report without any supporting documents or proof that the claim is valid. Please have them remove this item from my Credit Report with XXXX, XXXX and XXXX XXXX Immediately. Thank you I XXXX XXXX XXXX
05/24/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53188	Web
Received an email from " XXXX '' stating that I have a balance of {$7300.00} and is willing to settle for XXXX from a creditor of XXXX XXXX XXXX XXXX I have never had any dental work done, and searching the creditor shows a Kentucky business. I have only spent but a couple of hours in Kentucky at night. Email states that this is an attempt to collect a debt, but nothing about disputing the debt. I did reply same day disputing the debt ; no response has been given. I was given an account number in the email, and going to their website gives me an option to either make a payment, or to see my options. Under options, I put in the account number, as well as my own information, but their system keeps telling me that there is no matching account. Furthermore, the phone number provided in the email ( XXXX ) seems to not be a legit number XXXX XXXX XXXX XXXX ). Additionally, searching " XXXX phone number '' gives me a phone number of XXXX, which shows a different debt collection company from XXXX. I have not received a letter via USPS mail, and as of the time of this complaint, have not heard back from the company. Original email is being held on to, along with my reply
03/28/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 916XX	Web
On XX/XX/XXXX I received a call from Capital Accounts LLC threatening to report a {$300.00} debt to the credit bureaus within 3 business days if I did not pay the balance. I had not received any written notice of this debt. When speaking to the rep I replied that I do not owe the debt and there is a 30 day due diligence process before submitting a debt to the credit bureaus. I asked that they please send any communication regarding this debt in writing via mail in which I never received anything via mail. On XX/XX/XXXX received notification that my credit score had dropped by 56 to 72 points. This debt was reported on all 3 credit bureaus. Each month Capital Accounts LLC illegally reports this collection account to the credit bureaus increasing the balance by {$3.00} to {$5.00} dollars a month which decreases my credit score every month. The collection was {$310.00} in XX/XX/XXXX and it was increased on XX/XX/XXXX to {$310.00}. Collection accounts are not supposed to increase or report every month and I do not owe this debt. This company is illegally reporting this debt and they are not registered with the Secretary of State of California to collect in California.
11/11/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MS 390XX	Web
CAPITAL ACCT has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
06/14/2021	No	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	MS 38655	Web
This company will call me repeatedly several times throughout the week. In addition, when they speak to me and after they verify my information they inform me that I have a debt with their office that my XXXX sent over to them and I am responsible for it and I need to pay it. I I constantly informed them that there was a pending issue before the collection would be paid And the doctor office in question should have reached out to me so we could have settled the account. The agent and informs me that I am a bad person for not paying my bills and that I should be ashamed of myself for not one to pay the office what i allegedly owe them. The agent then went on and on and said Their legal counsel would sue me to collect is that if I didnt pay right then. I informed the agent that is not a good way to conduct business and they basically told me when they would sue me, they would take my wages from me even though I am disputing this bill with the office. I never gave permission for this third party to see my personal health information or the services/care that may have been provided to me. I was not told my information nor have a signature to validate that request.
09/09/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 92660	Web
XX/XX/XXXX Capital Accounts LLC placed a collection account on my credit file with XXXX for {$730.00} ( see attached credit report ). I had no information on this account from the original creditor or the collection company and had no chance to request validation of the debt. I filed a complaint with the CFPB on XX/XX/XXXX complaint XXXX. Capital Accounts LLC responded, " We have made several attempts to contact consumer with no success '' this was a lie to the CFPB. Capital Accounts did then contact me XX/XX/XXXX giving me 30 days to challenge the debt ( see attached letter XX/XX/XXXX ). Clearly, if they had contacted me earlier they would have not needed to send this letter and therefore have lied to the CFPB and broken collection laws. I responded to there request on XX/XX/XXXX within the 30 day challenge period ( see attached letter and evidence of delivery ). Capital Accounts LLC then contacted me again on XX/XX/XXXX having received my challenge - again violating the FCRA. Finally, CFPB has received no response from the original creditor about this the complain filed XX/XX/XXXX - I request that CFPB take immediate action against Capital Accounts LLC.
10/23/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 32952	Web
Capitalaccounts LLC has called me way past the limits of harassment. On Friday XXXX XXXX XXXX I received 5 calls. Every week day leading up to that its was XXXX I have been trying to talk to these people but it is exhausting. I am in a marriage separation and going through some heavy life changes as well as some XXXX XXXX issues. This has caused my level of stress to effect my health. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fast forward a year or more, I get called by Capital accounts. My wife said our insurance said it was a coding error and medical office took acre of it. Calls from Capital continue and get more frequent as time passes. Wife, insurance, and medical office are not helping at all. I don't know whats right, I want to take care of dept if I owe but am very confused. The constant harassment by Capital has caused me to not sleep and have XXXX XXXX the past month. They have threaten that my credit score which is very good will be " destroyed '' and they try to close me on a payment plan and all met research says not to go there and to get help. This is my first attempt to get help. Thanks for your time.
07/30/2019	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	CA 91803	Web
Received a call capital debt collector/robert about unpaid dental bill {$360.00}. The call was made yesterday XX/XX/2019 around XXXX XXXX. I was busy when i received the call and i had him on speaker phone. My nieces and a guest heard the whole conversation. Representative/ XXXX was high energetic in degrading me. He said to look myself in the mirror, I'm a liar, he said he was not looking for girlfriend and he was making a business call. All these comments was made in his first call. During this call i said to my niece i need another cell phone to record the conversation and when i came back on the phone he hanged up. I called back and he spoke with XXXX again. His tone of voice changed and stared in the beginning that this was recorded. Automatically blurred out i was cussing him. And hanged. I called again spoke with supervisor/XXXX XXXX. He was so relaxed to say he apologized for his employee znd and he will speak with XXXX. I asked XXXX if he trained his employee to use those degrading statements to collect debts and said no. Then i said to please put a great attention to this matter and provide me a letter with their corrective action plan and XXXX.
04/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33069	Web
Capital Accounts claims that I owe a debt # XXXX for {$3000.00} from XX/XX/XXXX. They say they are from XXXX?? I explained to them that this debt is not mine. I also explain to them that I was XXXX in a XXXX XXXX in XXXX?? It would have been impossible for me to make these charges!! I never signed and document of agreed to any of the charges they claim. they are not my charges. I have been divorced since XXXX. I believe these bills were made by my ex-wife. I know nothing of these bills, nor was I ever called to authorize them or assume responsibility for them. I have asked Capital Accounts SEVERAL TIMES to remove this item from my credit report. I also asked them to provide me with PROOF of these charges and PROOF that they are mine. They have informed me that they have NO supporting documents to supply me!! This item # XXXX has to be removed immediately! It is over 11 years old! It is unlawful to makeup charges and attach them to someone credit report without any supporting documents or proof that the claim is valid. Please have them remove this item from my Credit Report with XXXX, XXXX and XXXX XXXX Immediately. Thank you I XXXX XXXX XXXX
03/21/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	SC 29360	Web
I am reporting Capital Accounts Account No. XXXX for violations of the Fair Debt Collection Practices Act. I am enclosing the letter sent to me by Capital Accounts which shows a misleading collection amount and unfairly adding interest on a debt that the original debtor XXXX did not require. I have also received phone calls in which the representative verbally insulted and belittled me when I questioned the validity of this collection. I have blocked many of the phone numbers Capital Accounts uses to call due to the condescending attitude they have with me when I talk to them. I am enclosing a copy of the Fair Debt Collection Practices Act with highlighted sections which express my concerns with this company. Capital Accounts is misrepresenting the amount owed to XXXX by me from the year XX/XX/2012. XXXX did not charge interest fees on any services rendered to me. The paper work sent to me by Capital Accounts which shows the misrepresent the amount of {$670.00} I owed to XXXX. On page XXXX and XXXX it shows {$540.00} as the original amount owed to XXXX. XXXX did not charge an interest or late fee to the original debt as seen in this summary.
09/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 945XX	Web
A XXXX threatened us with charges for something he called " XXXX XXXX '' if we did not continue seeing him at {$350.00} per hour. We of course did not agree to this thinking it was an empty threat. It was not. I recently checked my credit report and found a derogatory item indicating I owed {$160.00}. I called the collection agency listed to explain that they, presumably, were not aware they were helping to perpetrate a fraud and give them the chance to correct the situation. Their response was that the burden was on me to prove the fraud before they would act. I replied that it would be difficult for me to prove a negative, specifically that I did not authorize charges for whatever " XXXX XXXX '' is. They said that if I could not prove it they could not help and promptly hung up. The is a fraudulent charge. The doctor that imposed the charge knows it. I suspect the collections company knows it, but they also know it will be virtually impossible for me to prove it without expending resources far larger than the amount of the debt. They also know I value my credit score and are therefore trying to blackmail me into paying a debt I do not owe.
01/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 22312	Web
I had XXXX services by XXXX ( XXXX, VA ) on XX/XX/XXXX based on a Pre-Estimate approved by my XXXX insurance XXXX, where it explains that per my plan, the insurance will pay {$550.00} and that my responsibility was {$290.00}, which I paid on the day of the services. However, there was an issue in regards to the XXXX office being an in-network provider, so XXXX put my account on collections with Capital Accounts, XXXX. XXXX XXXX, XXXX, TN XXXX, for {$720.00}. Eventually, after my many complaints with the Wisconsin and Virginia Health Commissions and the XXXX XXXX XXXX, my insurance company, XXXX, sent me a letter stating that it had made a mistake and that the XXXX provider was, indeed, and in-network provider. Furthermore, the insurance company confirmed that it release the payment to the XXXX office on XX/XX/XXXX and that XXXX said that they would remove my account from collections once they have received they payment, which they already did on XX/XX/XXXX. After my insurance 's clarification, I expected that my account would be removed from collections, but it has not since even today, XX/XX/XXXX, I received another collections bill.
01/07/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	HI 96789	Web
I went to this XXXX around 6 years ago and before having any procedure performed my insurance was verified By the XXXX and after any procedure was done I had paid my portion of the costs. 3 months after the procedure had already been performed I had lost my job and the insurance company decided not to honor their portion of the bill. The XXXX decided, even though they had verified my insurance prior to the procedure, that the bill should land on me. It 's been in collection ever since. Also, the collector seems to be tacking on an extra XXXX dollars to the debt each year the debt is unpaid. I have not once been contacted or received any documentation from the collector. I only know about it because of checking my credit score. I had previously disputed this debt with the credit agencies, but for some reason it seems that the collector had provided some sort of proof. Regardless of what that proof is, I do not agree to have the responsibility of this debt. This XXXX had verified my insurance prior to the procedure being performed and I would not have had any procedures performed without having insurance in the first place.
06/26/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 628XX	Web
I had a XXXX XXXX months ago then right after fell sick and was taken off for by my doctor and XXXX have been off XXXX months due to XXXX XXXX issues on unpaid FMLA! At that time I let the XXXX XXXX XXXX XXXX XXXX XXXX know this and that I would pay the balance due asap when I am released to XXXX. I an twice widowed, went through all of my savings while off paying my living expenses with it and my credit was ruined after my savings ran out on XX/XX/2022. I am still off all bills are behind and I have no way to get a loan or credit card or pay anyone as my score has tanked to XXXX due to all. I work for the State of XXXX XXXX and was denied my workers comp and disability. I also provided insurance for them to try to bill all as well as XXXX while I am off work. In addition this bunch of crooks at the collection agency have padded the balance by several hundred dollars so committing fraud and are sending notice via my email instead of mail which I never gave them my approval to do!! I will not be paying the bill at all now!! This is my official CEASE AND DESIST to them and I am contacting a lawyer about suing them!!
08/14/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 10035	Web
Capital Accounts called me to attempt to collect a debt ( medical ) in the amount of {$930.00} on Friday, XX/XX/2018.I explained to the debt collector that I will speak to the creditor directly, because I have enough evidence to support my case to ensure I do not owe this amount. Furthermore, she should cease/ stop calling me because she should contact who she purchased this account from. I would be disputing this matter immediately with their office. She decided to follow up with an email which i disregarded and spoke directly with the Creditor and scheduled an appointment. Today, XX/XX/2018 I receive another call from Capital Accounts from the same individual who says she will not honor my cease communication request because it wasn't done in writing. Additionally, with a very condescending tone she asked why hasn't the creditor ( Capital Account 's Client ) hasn't reached out to them. I told her I would not know and I wanted her to stop calling me immediately. I feel that this company is not following FDCPA regulations and is not investigating debt matters the way other debt collection agency/firms tend to do.
12/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 424XX	Web
I received a notice from XXXX XXXX that their had been an entry on my credit report. I looked at my credit report at XXXX and found a report from Capital Accounts on a supposedly account i have with XXXX XXXX in North Carolina. I contacted Capital Accounts and spoke with a lady by the name of XXXX. I gave her all my information and reported I have not been to a dentist since XXXX. I then called the Dentist and spoke with several people and finally got to speak to a lady in the billing department. I went over all information and she reported she did n't know how that collection agency got my information or my social security number. She report this should be under my sons name which is the same but he is a Jr. She reported she will notify Capital Accounts to have it corrected. I filed a dispute within XXXX and the final report has not been changed. Its amazing how in our society a company can get your information and file any report and the credit bureaus do little to nothing to get it corrected. Does this not fall into the classification of identity theft on both the collection agency and the credit bureaus?
04/05/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO XXXXX	Web
please see case number for detail XXXX i am filing complain against CAPITAL ACCOUNTS behalf of my husband and daughter who are old, XXXX my daughter XXXX XXXX went for XXXX XXXX to see XXXX XXXX who gave estimate never finish or completed work, his claim was denied by all insurance company as well credit card company ( see all upload files ) then he turned to my husband kripa who has no knowledge of him he does not know this Dentist also she is not on our insurance and we don't have power of attorney, He just wants to harass and destroy our credit for invalid charges so he hired CAPITAL ACCOUNTS since life has been night mare they called day and night with different phone number even my cell phone always unknown so we are scare, we explained to them, sent certified letter ( see file ) and letter from ATTORNEY GENERAL office somehow they don't care they are trying to rob us or make money. Even XXXX XXXX tried to mediate but they told them they have no intention to complete work except collect invalid charges nd they block and spam my email when i was trying to make appointment and Collection agency knows
04/24/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA XXXXX	Web
I previously sent Capital Accounts a validation of debt letter under the Fair Debt Collection Pratices Act to validate what they claim that I owe them. And all I received was an itemized list of alleged charges. This does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. ( I have attach the original Validation letter XXXX. During my request of proper debt validation with Capital Accounts I notice that they are still reporting this collection on my credit report, which is considered to be a collection activity. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collection on my credit report are causing me severe problems in trying to purchase a home and the damage could lead in to the {$1000.00} 's. Reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all benefits of good credit.
03/26/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11203	Web
On or about XX/XX/XXXX, I received a letter from a collection agency regarding an alleged debt that I owe to XXXX XXXX XXXX XXXX, the creditor. I have repeatedly requested by phone that they provide me an itemized bill for the services rendered, and each time I spoke with them, they agreed to send it to me, but up to date, I have not received anything. The latest letter I received dated XX/XX/XXXX, they are threatening to report the unpaid balance to one or more of the national credit bureaus, even though I still have not received the itemized bill. I have spoken to one of their reps that go by the name " XXXX '' who coerced me into admitting that I owe some of the debt, and then insisted that I pay what I believe I owe, even though I told him over the phone that I am disputing the amount they are seeking. I also had my insurance company call the doctor 's office requesting the itemized bill, and they refused to give it to us, and then proceeded to hang up the phone on the insurance representative. I am now forced to have to pay a bill that I am disputing because I do not want it to damage my credit.
02/16/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 310XX	Web
Capital Accounts called my number asking for a XXXX XXXX and upon already having gone through this with various other companies, I asked to speak to a supervisor or manager and requested to know where and through what skip trace are they acquiring my phone number for this person and I was told that they can't reveal the skip trace company and in asking for someone higher, I was told they aren't available. This has been a continued issue with collection agencies, including Capital Accounts that depend on inaccurate information from skip trace companies and then disturb my phone in the evening time. I want to know how and where they received my number and through what skip trace company so that I can stop this endless problem. The old " remove the number '' is no longer viable as far as I am concerned. I believe I have the right to know how they are acquiring my number so that I can hold the proper company liable for these issues- and if not, I can only assume this company wishes to take responsibility for TCPA Violations, as I have had my number for more than 10 years and it is on the do not call list.
07/18/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 289XX	Web
I have a " debt '' from a previous employer that i worked for in XXXX . It was a XXXX doctor. The XXXX doctor gave all the employees free vision screenings etcs. I bought a pair of prescription sun glasses. It was to come out of my payroll check. I ended up changimg jobs shortly after because I found a better job. The office manager asked if she could keep my last check to pay for the frames. I agreed. NEVER receiving my last check, i assumed all was fine with the presciption glasses. Apparently not. I have disputed and disputed this debt for years. I never once signed anything stating I would be liable for anything better yet something i paid for in full. In XXXX XXXX , i contacted the collection agency to explain what was going on. They did n't care. I explained what was the total of the glasses which was {$210.00} at the time, compared to what they said I owed which is {$470.00}. It 's not right. Its illegal what my past employer did and for the collection agencys doing. This is killing my credit score and its stopping me from pursuing goals that I wanted to meet. Please help. Thank you!
03/10/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30274	Web	Servicemember
On XX/XX/XXXX I paid a medical debt collection in full to Capital Accounts LLC in the amount of {$170.00}, I was told verbally and I also got a letter from Capital Accounts LLC stating that my balance was now XXXX and paid in full and also that they would be sending the same letter they sent to me to the collection agency to have the collection expunged off of my credit report. XX/XX/XXXX I seen that the company was still reporting that I had a balance so I called them to see what was going on they told me they report on the first of every month and that its the credit bureau thats not updating the account so I called XXXX and was told the only time they received an update from the company was XX/XX/XXXX It is now XXXX 90 days later and Capital Accounts LLC is still reporting the {$170.00} balance I have reached out to them a few more times and I am still getting the same answer but on my credit report it shows the last time they reported is XX/XX/XXXX and they have also emailed me the same XXXX balance expungement letter 3 times. I just really need guidance on how this situation can be resolved.
08/07/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33547	Web
The XXXX XXXX XXXX was already found to have illegally used my XXXX XXXX card account in ways not authorised and for work not completed ( roughly $ XXXX ). When I contested the charge with XXXX XXXX, they found in my favour and reversed the charges after I submitted an FTC complaint against them. ( Initially, their customer service was awful and could not follow the simple logic in understanding my first sentence, above. ) Once the FTC complaint was resolved, and XXXX XXXX refunded my money that the XXXX had illegally charged, I received ( almost a year later ) a collection notice that the XXXX - not XXXX XXXX - was trying to recover some of the funds. The letter states that they are collecting a delinquent obligation - which is wholly untrue in every way. It also states that they will be posting this to my credit report - which is completely unfair. I have had to have a lot of work done, including XXXX XXXX, to undo damage done by this XXXX and his [ at the time ] UNLICENSED XXXX. Attached is the letter from the collection company, and please note the XXXX XXXX case that I referenced : XXXX.
05/03/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94044	Web
Details Hi I dont owe XXXX & XXXX XXXX {$330.00}. XXXX XXXX XXXX himself called me numerous times to threaten to sue, sent false bills to collections to abuse my credit score and sent countless letters to my primary house. 1. Per XXXX XXXX XXXX paperwork, stage XXXX ( {$650.00} ) consists of 20 % of the total treatment ( {$3200.00} ). Therefore, the total financial responsibility should technically should be 20 % less because he did not complete the remaining 20 % of total treatment. The responsibility for 80 % of {$2500.00} which is {$2000.00} paid in full. Per the agreement I signed, he is obligated to finish the remaining 20 % of the project ( stage XXXX ), but he is not finishing the project. 2. Also the contract shows that fees are valid for 90 days, their office sent their bill/statement on XXXX with originated date XXXX which equates to XXXX days lag. 3. You can also see I didnt sign any financial obligation contract. Similar to a general contractor building a house. The general contractor put the foundation and completed 80 % of the project but did not finish building the house.
05/07/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 492XX	Web
I received communication by phone and mail in XX/XX/XXXX about a report unpaid medical charge from XXXX. When I spoke with the collection agent I disputed the charge as I knew that my insurance paid this clinic. The collection agency said they would get itemized info from the clinic. Then in XXXX they reported to XXXX that I was delinquent. I contacted the collection agency and paid the disputed amount and told them I would proceed to take action against the clinic and they agreed to have the info expunged from my credit report as they never followed through with getting any data from the clinic and I had proof my insurance paid any known charges. I then filed a dispute with XXXX and submitted the letter from the collection agency and the insurance report. The collection agency has twice still verified the debt and not removed this from my record. I have spoken to a supervisor at the agency who verified that they would report to XXXX the deletion if the request came and today they still reported no change to XXXX and my credit score remains significantly reduced due to this inaccuracy.
08/13/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28117	Web	Servicemember
I received a letter from Capital Accounts requesting I pay {$900.00} to them covering a debt to XXXX XXXX XXXX. I stated that I needed a detailed statement in order to reconcile the details with my insurance companies and then attmept to pay the true debt. The letter stated that I should request in writing within 30 days to have the details. I then spoke to XXXX XXXX with Capital Accounts and he stated he 'd have me the details in 15 days. In 30 days I got a letter than it was being sent to credit reporting. I called XXXX XXXX and he said he could n't get the details from XXXX XXXX XXXX yet and I told him that I needed that prior so I 'd get it from XXXX XXXX and get back with him. The problem is that XXXX XXXX decided there were some charges that were incorrect and they resolved the data issue and was supposed to resubmit to Capital Accounts on XXXX XXXX 2017. I checked XXXX XXXX today and I 've lost XXXX points from this unfortunate horrible communication problem. XXXX XXXX XXXX claims they sent me 5 letters however I never got their letters, just Capital Accounts, the collection agency.
12/24/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	WV 255XX	Web
I had a dental bill in XX/XX/XXXX for approximately XXXX. I had 2 insurance carriers on file with the dentist and followed up in late XXXX to ensure the bill was taken care of by the insurance carriers. I was told at that time it was paid in full and no other payment was required. I never heard from the dentist again. Without any correspondence, I received a call from Capital Accounts LLC in late XXXX notifying me I had a XXXX debt with the dentist office. I let them know that account was paid in full over 2 years prior to their call. They refused to provide me documentation of the charge or the insurance payments and have continued to update the credit bureaus with the delinquent charge. I switched jobs and relocated and have different dental insurance and have had difficulty getting information from the previous dental carrier since the service provided was so long ago. Capital Accounts LLC again updated the credit bureaus this month of the delinquent charge making it look current. I don't see a way to get this resolved and do not intend to make payment for old unsubstantiated charges.
08/19/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 333XX	Web	Older American
XX/XX/2021 Consumer Financial Protection Bureau Dear Gentlepersons, This is a complaint against XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX and Capital Accounts XXXX XXXX XXXX XXXX TN XXXX The companies that are listed above are reporting a collection account on my credit report that is erroneous. The listed original creditor is XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I have informed the companies that I paid for services and found that the dentist, XXXX XXXX XXXX, charged my credit card for {$2000.00} even though she was paid by the insurance company for services. The erroneous collection account appeared on my credit reports after I filed a complaint against XXXX XXXX XXXX with the appropriate governmental agencies. I am asking for disciplinary action against the three companies listed above and immediate removal of the derogatory collection account on my credit record. Thank you in advance for a reply. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX
03/28/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11106	Web
I was called by the collection agency Capital Accounts, about a month ago regarding a " claimed '' outstanding balance of XXXX $ from services provided by XXXX XXXX XXXX XXXX dating XX/XX/2020. I asked them to provide me with an itemized invoiced, which they have failed to do up until today. At the same time, I called the billing office of XXXX XXXX ( XXXX ), where they confirmed that they do not work with this agency and that there is no outstanding bill under my name or any of my family members. Today ( XX/XX/2020 ) I received a written notice from Capital Accounts for the same reason, and I immediately called XXXX XXXX billing department where they again confirmed of having no knowledge of this collection agency and that I have and never had any outstanding invoices. I then proceeded to call Capital accounts, I confronted them with the information from XXXX XXXX that they had no knowledge of them, that I was going to report them for fraud unless they could email me immediately the delinquent obligation, which they have not been able to do so, and thus I am reporting them..
04/26/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 95660	Web
Capital Accounts , LLC has been illegally reporting on my credit report since XXXX. As I informed their company on several occasion I do not have a wet ink signature contract with them I have complained to XXXX and XXXX multiple times. Capital accounts is reporting that I owe {$4300.00}. When I asked Capital Accounts to give me a copy of the medical bill they provided me with a copy of a chiropractic medical bill with my name on it for the amount of {$3000.00}. The amounts are different and under FCRA .I demanded for deletion but Capital Account , LLC did not follow the law. Capital Accounts , LLC stated the account accures interest at the rate of $ XXXX.This violates HIPPA and FCRA for consumer privacy protection. I never gave permission for Capital Accounts , LLC to have access to medical records. This is my final attempt to resolve this matter without litigation. If they do not delete this account within 30 days I will sue them for damages dating back to XXXX. Capital Accounts , LLC XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX www.capitalbillpay.com
09/20/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08619	Web
I went to XXXX XXXX XXXX XXXX XXXX XXXX in late 2017. I paid my co-pay, and was billed an additional amount several months later. I paid this amount. I was sent a bill again the following month, for the same amount. I ignored it, figuring my payment and their bill crossed each other in the mail, and my payment hadn't posted yet. The following month I received another bill. I checked my account and realized they never ran my card, so I sent back the payment stub again, with the same card number. The following month I get another bill, this time {$78.00} higher. They claim they tried to contact me about my original payment not going through ( they didn't ), and that they added a collections fee to my bill .... AFTER I paid them, XXXX. Now the original balance of {$110.00} is gone, but I'm getting a {$78.00} invoice from them monthly for the collections fee. In addition, I get TWO DAILY phone calls from their collections agency, harassing me into trying to pay their bogus fee. XXXX XXXX refuses to do anything about it. Capital Accounts is trying to bully me into paying them.
03/11/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	NC 28303	Web	Servicemember
I have repeatedly disputed the CAPITAL ACCOUNTS report stating that I owe upwards of XXXX to XXXX XXXX XXXX. I initially disputed in XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX XXXX admitted that my information was supplied which led to my credit being reported falsely. They assured me that XXXX XXXX will remove this debt from my account ENTIRELY, as it belongs to my mother and not me. XXXX XXXX was contracted and responded XX/XX/XXXX, stating that it has been handed over to be corrected. According to XXXX, the debt is still being reported as mine. I sent a debt validation letter on XX/XX/XXXX in which is was signed by an agent XX/XX/XXXX, with tracking number XXXX. I have NOT received any validation paperwork from this company as well, as it would not and could not exist. Today I attempted to contact XXXX XXXX and XXXX XXXX ( a supervisor ) to inquire about the current reporting status. I was repeatedly hung up on. I also spoke with XXXX XXXX who also refused to tell me more information or connect me with the proper authority to provide clarity as to this gross misstep.
10/22/2021	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 10009	Web
Unfortunately, at the height of the pandemic, I found myself with a dental emergency addressed by Dr. XXXX 's office. I provided my insurance information, he took care of the matter, and that was it. Not the case at all!! For more than six months, I have been battling with his office and Capital Accounts Inc because, somewhere along the line, the billing office has submitted the wrong social security number on my claim, and XXXX XXXX has not been able to pay it. Both my insurance company and I have made multiple requests to remove my information from collections because the error needs to be corrected on their part. We have spoken with the office manager, who is extremely rude and refuses to take my information out of collection until they get paid. How do you penalize a patient for an error committed by your staff? I am seriously considering suing. Dr. XXXX is an excellent oral surgeon ; however, regrettably, he is surrounded by incompetence. I do not know who else to turn to, but I feel victimized by the inability to resolve this matter due to his staff 's ineptitude.
06/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78232	Web
Went to XXXX XXXX XXXX XXXX for consult of procedure on XX/XX/XXXX. They gave my pre-treatment " estimates '' and I paid for my portion of XXXX. My procedure was completed XX/XX/XXXX. Months later after my procedure they contacted me and said insurance denied coverage. Insurance asked for the reference number to the XXXX XXXX that the XXXX center filled out. I found out that no pre-treatent estimate was ever filled out and they called and spoke to someone on the phone and asked General and vague questions that did not apply to my case. In the beginning, if they filled out the actual XXXX XXXX that my insurance requires, we would have found out that my insurance was not going to cover. When I signed my paper agreeing to cover my finances based off estimates, to my knowledge they completed the XXXX XXXX. Since that was never completed I felt I was mislead and had to seek services elsewhere. I tried to talk to the doctor and the facility XXXX about their mistakes to ensure it doesn't happen to someone else but they were very rude and would not acknowledge their mistakes.
06/28/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 30134	Web
I started receiving calls on a medical debt that is over 4 years old from Capital Account starting XX/XX/2018. They get very nasty and abusive and when I asked them to just msil my any communication they got even nastier hollering and screaming at me. I have blocked their calls and they call back from over 6 different phone numbers. I have received calls twice in the same day. The company states they can continue to call me until I put it in writing. However, they informed me the call is being recorded so they have proof I wanted them to cease calling me. But they won't stop! I had a recent death in the family and this past Friday, XX/XX/XXXX, they called got nasty about me not wanting to talk with them and started getting aggressive and loud. I am now mad and upset that this company will not back off. I have taken to calling them back numerous times to get them to back off-but to no avail. I just got another call this morning XX/XX/XXXX. This needs to stop. I have made a record of the dates and times they are calling and the numerous phone numbers used.
02/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11434	Web
I went to XXXX to do face threads on XX/XX/2018, work was partially done because the doctor couldn't get the needles into the left side of my face and he didn't have enough needles to finish the work. I was giving an appointment to finish the work XX/XX/2018. When I arrive the doctor asked me why i was there and I said to finish the work. His remarks was that he was not aware of my appointment and he did not have any needles available to finish the work. No one in the office could give me an answer. When I got home i called my bank and place a charge back on {$1000.00} that was paid to the doctor. The doctor had ample time to dispute my charge back which he never did. Instead he send me to collection with capital accounts and capital accounts harassed me with phone calls never providing me with any information. I see that capital accounts provide CFPB with a ledger that is incorrect because the ledger never showed the credit card payment or the credit. Attached please find proof of payment charge back and appointment to finalize the work that was never done.
09/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NY 11787	Web
I was sent to collection for a vet bill. I never had the opportunity to resolve the debt as it was sent to the incorrect address. After noticing it on my credit report I contacted the debt collection agency for XXXX reasons. 1 is the amount is incorrect and 2 I had made a payment towards this bill. I have a copy of the original bill which was {$420.00}. I was put into collection for {$660.00}. I requested several times for a breakdown of this difference in the amount owed. I never received the breakdown. I was told to allow at least XXXX weeks to receive it as they have to receive it from the original creditor. I was also told if they do not receive it within 30 days the debt would legally have to be cancelled. I attempted to contact the debt collector again the last 2 days and they will not take my call. I am very upset over this as the amount being reported is wrong and my payment I made is not being reported as well. It has been well over 30 days. The original creditor is XXXX XXXX Hospital. The collection agency is Capital accounts ... .acct # XXXX XXXX.
08/14/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
Prior to any invoice, I received a phone call from XXXX XXXX office attempting to collect {$1600.00} over the phone for payment for a XXXX. I advised that was inaccurate as they were in an in-network provider and I had high cost XXXX XXXX XXXX XXXX XXXX dental insurance and XXXX XXXX health which also had a dental provision. XXXX 's office refuses to take the mandatory write off that she is contractually bound to take as an in network provider. I already paid {$200.00} as reflected on the invoice. Please see the insurance patient responsibility of {$400.00} leaving a total of {$200.00}. remaining due. I requested an updated accurate invoice and XXXX refused. At that time I submitted a accurate XXXX review to which XXXX became enraged and sent my account to collections LESS than 3 weeks after sending the initial invoice. I filed an ongoing grievance with XXXX XXXX XXXX XXXX where XXXX is claiming she is not an in network provider in an attempt to harm my credit. Please see attached which clearly shows all facts above including that XXXX XXXX is on-network.
12/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75067	Web
I received letter from Collection agency called " Capital Accounts '' and then received a phone call at my workplace. I did not receive any letter, bill or any kind of communication from the Dental service provider " XXXX '' since XXXX 2012. The services were rendered in XXXX 2012. I paid over {$1500.00} Cash and rest was supposed to be paid by my insurance. According to Capital Accounts I owe them around {$2300.00} According to " XXXX '' I owe them around {$1500.00}. Why XXXX XXXX not contacted me ever and I received a sudden letter from collection agency after 45 months. I believe that either I do n't owe them anything or XXXX failed to file claim with Insurance Company in timely fashion and now trying to make me pay for their mistake Or there are some kind of fraudulent activities going on somewhere in the pipeline since XXXX Office never contacted me about any Insurance Issue at that time and now 45 months have passed. I would appreciate if you can step in and investigate since they are threating to destroy my credit with Credit Bureau. Thanks
11/04/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DC 20019	Web
On XX/XX/2019 I received a call from Capital Accounts LLC threatening that I owe for a medical bill. I explained to them that I am a XXXX recipient and XXXX XXXX XXXX is looking into this matter, because the XXXX office Dr. XXXX XXXX who at the time participated with XXXX decided they were not gon na submit the bill for billing. I have explained to Capital Accounts that they are violating Sec. 1128B. [ 42 U.S.C. 1320 a-7b ] of the Federal Health Care Programs. Also I have asked them to stop calling my place of employment and that has not ceased!. I have been harassed by them on several occasion starting XX/XX/2019 to present. On XX/XX/XXXX I received an email from XXXX XXXX stating that Capital Account placed a derogatory report on my credit profile. I have file a dispute, disputing the derogatory account with XXXX, XXXX and XXXX. Due to this situation my credit score dropped by 15 points. XXXX XXXX XXXX office is aware that I am a XXXX recipient, I have spoken to them on several occasion about this issue. Sincerely, XXXX XXXX XXXX XXXX
06/06/2021	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TN 37912	Web	Servicemember
I made a complaint against Capital Accounts on XX/XX/2021. My complaint number is XXXX, which they received the same day. In a blatant act of retaliation to my complaint and my dispute they manipulated my credit score by first adding an increase of XXXX dollars on the debt owed and then on XX/XX/2021 decreasing the debt amount by XXXX dollars in an attempt to make it look like I have accepted the debt and began paying on it, which resulted in my credit score dropping immediately. As I said in my original complaint they are clearly in violation of The Fair Debt Reporting Act. As stated in previous complaint I have sent them a validation letter, it has been thirty days and I still haven't received validation. I am becoming emotionally distressed with the tactics that this company is using against me, while trying to collect a fraudulent debt that is impossible for me to owe thus the reason why they can't not validate it. My next step is to let my lawyer handle this matter because it's just becoming too much for me and is mentally draining.
06/09/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 19023	Web
This account is a fradulent account. I went to this business FOR A CONSULTATION. the XXXX never told me that I would have to pay for anything. When I went to leave the receptionist told me I had to write a check for {$3500.00}. they would hold the check for two weeks -- AFTER I came back " for trays '' -- they would then submit the bill to my insurance company in three weeks after I Paid them for the full amount of {$7500.00}. I called my insurance company when I got home. I was informated that this basically is insurance fraud. I called the XXXX office the next day to cancel my contract and tell them I was not coming back in for services. I never went back -- Two weeks later the XXXX started calling my job leaving harassing messages. Next two months I receive a letter from a debt I did not owe. I have medical and dental insurance. I am being charged and billed for services never rendered. I never received XXXX or anything from this business. I wrote a check but cancelled the contract the next day. I would not be a part of insurance fraud.
07/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75070	Web
My son needed his XXXX XXXX XXXX. Our regular XXXX had sent us to XXXX under the impression ( after XXXX had marketed to them that he was in-network with XXXX ) that XXXX would be less expensive for us since he was a preferred provider with XXXX. XXXX office lady told me they were preferred providers of my insurance and in-network. Per XXXX office policy I paid in full prior to XXXX XXXX, the amount I paid ( {$580.00} ) was the amount the office lady told me was my share after insurance, everything went well with the doctor. Then a year later, office lady calls me telling me they arent contracted with XXXX and that shes re-calculated and I now owe more! This is just bad business practice. Imagine giving your own client a quote on a service, providing the service, then later contacting them and demanding more money. When Capital Accounts contacted me I sent them multiple letters and emails showing my receipt that I paid my account in full before services were rendered. I disputed the debt in writing and they still put it on my credit.
12/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 27603	Web
I sent a letter to Capital Accounts on XX/XX/2022, about a collection they reported on my credit report. I told them I was writing them a letter to tell them to send the debt back to the original creditor ( XXXX XXXX XXXX ) that sold it to them. It's illegal but not enforceable for a collection agency to buy debt from another company, then go after that person as if they had a contract with their collection agency. I know this collection agency does not have any paperwork showing that I made agreements with you with my signature. I told them that if their collection agency does not send this debt back to the original creditor, I will file a complaint with the CFPB, XXXX, FTC, and Attorney General. Also, I will hire a consumer attorney to sue your company for injuries up to {$1000.00}. I will also file complaints against the credit bureaus. Despite a previous written request on XX/XX/2022, this debt, which I told them to send back to the original creditor, remains on my credit report in violation of federal law. Re : Account # XXXX
04/10/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA XXXXX	Web
Step 1 : What is this complaint about? My credit report is showing that I have debt collection for the amount of {$230.00}, from my former XXXX provider for service on XX/XX/2017, which is incorrect. Step 2 : What type of problem are you having? My former XXXX provider, XXXX, is trying to charge me for a service that has already been paid by my XXXX insurance carrier. Never was I a cash-paying customer. At the time of service, no one asked me for payment nor did anyone tell me that I had a balance of {$230.00}. My insurance information was already on file in their system. Step 3 : What happened? My former XXXX provider reported me to a collection agency for a routine office that was covered by my XXXX insurance carrier. I paid the co-pay in cash and never was I asked to pay for anything else. Step 4 : What company is this complaint about? XXXX who has reported me to the debt collection agency, Capital Accounts. Step 5 : Who are the people involved? Myself, XXXX and the debt collection agency, Capital Accounts
06/06/2021	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TN 37912	Web	Servicemember
I made a complaint against Capital Accounts on XX/XX/2021. My complaint number is XXXX, which they received the same day. In a blatant act of retaliation to my complaint and my dispute they manipulated my credit score by first adding an increase of XXXX XXXX on the debt owed and then on XX/XX/2021 decreasing the debt amount by XXXX XXXX in an attempt to make it look like I have accepted the debt and began paying on it, which resulted in my credit score dropping immediately. As I said in my original complaint they are clearly in violation of The Fair Debt Reporting Act. As stated in previous complaint I have sent them a validation letter, it has been thirty days and I still haven't received validation. I am becoming emotionally distressed with the tactics that this company is using against me, while trying to collect a fraudulent debt that is impossible for me to owe thus the reason why they can't not validate it. My next step is to let my lawyer handle this matter because it's just becoming too much for me and is mentally draining.
05/05/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20743	Web
I was contacted by phone two or three times by Capital Accounts. They started each phone call off with an oddly long silence, followed by a very short and rude phone call. In my first call, they refused to identify who they were or why they were calling until I gave them personal information, which is not okay or legal to ask for. Next, they got extremely rude and hung up on me after muttering under their breath " Oh my XXXX, unbelievable '' after I informed the caller that I had no idea of any supposed medical bill debt. My most recent call they asked for my name and I asked who was calling first and what they were calling about, but they just hung up on me abruptly without answering. They also sent a letter that I received on XX/XX/2021 stating that i owe {$490.00}. This is not my debt and i don't owe any money for a dental bill.. This business runs like a scam, they are extremely rude for no reason. They have no manners, and I don't even know if they are legally operating. This is harassment. They should be investigated.
05/24/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 770XX	Web
I do not owe this debt. I contacted this XXXX months ago to dispute the charges because they falsely agreed to accept my insurance, they then contacted my attorney trying to get us to sign a form to agree to pay any amount they charged which would then be paid if I ever received a settlement for the injury. In addition, I was grossly misdiagnosed as having a severe medical issue when in fact I did not. This XXXX was completely unethical. I disputed the charges with the office and they then turned them over to a collection agency. Capital Accounts began calling me on XX/XX/XXXX. I explained the situation to them on the first call and asked them not to contact me again and to turn into my credit where I would dispute it. I received calls again on XX/XX/XXXX and XX/XX/XXXX and both times a male collector rudely yelled at me on the phone telling me I had to pay it and threatening to turn it in on my credit. I told them by law they were not to harass me ever again and I wanted no further contact. They continue to call each day.
05/31/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OH 45503	Web
I have a a unverified account fromCAPITAL ACCOUNTS LLC. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX XXXX XXXX purport I owe. I request thatCAPITAL ACCOUNTS LLC 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 CAPITAL ACCOUNTS LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
10/08/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28227	Web
Capital Accounts began contacting me about the debt around XXXX of 2023 but could not answer any questions when asked. I asked for documentation from capital accounts and the original creditor, but it wasn't received. This medical debt was first acquired while I was under 18, and my parent accepted financial responsibility. We contacted XXXX XXXX for financial responsibility documentation, but they did not provide it and stated that we owed a different amount than what the Debt Collectors requested. We have had multiple phone conversations with debt collectors and original creditors, and both have failed to provide any documentation verifying the debt. The initial financial agreement was signed by my parent, accepting responsibility. My parents never received a bill, and XXXX XXXX never contacted us except for them attempting to sell us additional services. I mailed a letter to Capital Accounts on XX/XX/XXXX, requesting specific documentation to verify the debt, and they have failed to reply to date.
05/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow XXXX XXXX compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
10/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33917	Web
On XX/XX/2016, I received a debt collection letter from a company called Capital Accounts in the amount of {$310.00}. The only information provided was the name of the person retained by them, XXXX XXXX XXXX. On XX/XX/2016, in a written letter, I requested proof of the debt, the amount, date and time when incurred pursuant to the Fair Debt Collection Practices Act. On XXXX, I received a XXXX debt collection letter from Capital Accounts, ignoring my request for more information as outlined in my XX/XX/2016. In this XXXX letter the amount went from {$310.00} to {$310.00}, no explanation for the increase. Also there was included in the letter XXXX sentence that was threatening and very ominous sounding, " Do not ignore this letter. '' I am not sure what is meant by that sentence but it does have the effect of scaring me. I want proof of the debt and to date I have not received any proof despite requesting it. Capital Accounts should comply with the law when it attempts to collect a debt.
04/28/2015	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NY 11210	Web
My agreed amout to the credit agency was {$140.00}. I initially set up a payment plan for three payments of {$47.00}. I was able to make the full payment via the doctors office before my first payment came out. this was a week ago. I assumed they closed my account. A week after a payment was deducted from my account in the amount of {$47.00}. When i called demanding a refund, they changed the tune and said i owed {$190.00} instead and that extra was " maybe fees, interest etc ''. the initial {$140.00} consist of the {$110.00} that i owed my doctor and {$26.00} in fees that they charged XXXX i dont understand why i was changed {$76.00} in fees! this is insane. they refuse to give me a refund and no one has a proper explanation on why i was charged an additional {$47.00}. everything is recorded and i just want someone to get the phone records to see that these people are lying and deceitful. I would appreciate my refund. they should not run a busienss if they are all being dishonest.
05/14/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	TX 78628	Web
On XXXX XXXX 2015, at approximately XXXX CST, my wife received a call. The call was from a man, a representative of Capital Accounts ( XXXX ) who said his name was XXXX XXXX. He stated that he was calling about an alleged debt for me, XXXX XXXX. XXXX requested that my wife verify her identity. My wife, XXXX, refused to verify her identity to some strange man over the phone. Then XXXX gets the brilliant idea of asking my wife to verify the account holder and proceeds to release my entire social security number to an unverified third party over the phone. The debt was related to a medical office which I 've never entered. Further, upon contacting said medical office I was told that they do not have a record of my social security number and could n't have released it to the collection agency. In summary, I was contacted by " XXXX XXXX '' of Capital Accounts ( XXXX ) about a debt that did n't belong to me. XXXX XXXX found and released my full social security number to a third party.
08/07/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77450	Web
Please refer to previous complaint # XXXX with Capital Accounts, in which they agreed they could not validate the debt from the original Creditor, and closed out the account. On XX/XX/2020, they simply opened up a new account, and state that I now owe {$9000.00} to the same creditor ( although it is phrased slightly different XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Just as before, they will not be able to validate this debt, and although I will be forced to submit another dispute in which they will most likely ignore once again, they will undoubtedly submit the collections to all three credit agencies ( once again XXXX, and I will be once again dragged through an extremely painful and draining process. I can't begin to express the damage this has done to our family, both emotionally and fiscally, and we now seek resolution above and beyond a simple cancellation letter. We now wish to sue Capital Accounts for their unethical behavior and damages done to our personal well being.
12/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93312	Web
Capital Accounts contacted second week of XXXX. me regarding a debt to XXXX XXXX. I requested that this request be in writing and it would be great if they can substantiate their claim. I received a letter dated XX/XX/2018 demanding payment without proof of the debt. I replied to their letter that I'm disputing the validity of the debt in a written notice dated XX/XX/2018 and mailed on XX/XX/2018. Capital Accounts kept calling me requesting a payment in 5 separate occasions. I kept asking for them to mail me evidence of the debt and what transactions gave rise to it. I have not been to XXXX for 4 years. Today, XX/XX/2018 I received a letter dated XX/XX/2018 asking for payment of XXXX or it will appear as a derogatory item on my credit report. Still I have not received any proof of the debt. The account number referenced is XXXX. Capital Accounts conduct is unenthical and they are attempting to unjustly benefit from me. Please make them stop or provide proof that I owe the amount.
01/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77379	Web
XX/XX/19- My father with the same last name failed to pay his medical debt for medical practice 'XXXX XXXX XXXX XXXX '. My father failed to pay {$510.00}. This debt was placed on my credit report and has hurt my credit substantially. Capital Accounts LLC XXXX XXXX XXXX XXXX TN XXXX : ( XXXX ) XXXX is the debt collector that placed this on my credit report. I called them and they verified I did NOT have an account with my DOB or SSN. I told them that they incorrectly placed a negative report on my credit, and they stated they submitted correct information, to contact credit bureau. I submitted dispute with XXXX online, and they " confirmed '' it belong to me when it does not. I asked Capital Accounts for proof that I did not have an account with them, but they state they can not help me with that since I do not owe them anything. Due to their mistake in reporting, I will now have to hire lawyer to get this off of my record. This practice is not fair and needs to be rectified.
04/13/2021	No	Money transfer, virtual currency, or money service International money transfer	Fraud or scam	GA 30214	Web
I was scam out of {$14000.00} by XXXX XXXX, XXXX XXXX and XXXX XXXX. XXXX XXXX work for XXXX XXXX, XXXX XXXX with XXXX Account and XXXX XXXX with Lifestyle Holiday Vacation. XXXX was the agent selling my timesharing. XXXX XXXX was suppose to be the closing office. XXXX was suppose to be Business Administrator at XXXX. XXXX was selling my timesharing for {$90000.00}. XXXX advised me there will be a transfer fee of {$9000.00} and XXXX called and said you will be reimburse at the closing. The closing was schedule for XX/XX/2021. Nothing happen no closing. XXXX again call talking about {$5800.00} administration fee for XXXX {$5800.00} to get this close out. Closing schedule for XX/XX/2021. Still no closing. XXXX came back with another fee for {$14000.00}. That when I realize I had been SCAM. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Colorado XXXX XXXX XXXX Capital Accounts XXXX XXXX XXXX XXXX, XXXX Nebraska XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
06/13/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77053	Web
Capital Accounts have been reporting to consumer reports regarding an alleged debt of {$21000.00} without written or oral consent. This is unfair and unjust. I dont owe this debt and this debt isnt valid. Pursuant to 15 usc 1692g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 15 usc 1692c I have sent cease and desist letter as well as a debt validation letter and this company has not complied with my requests, Pursuant to 15 usc 1692 ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ;
09/09/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	CA 92028	Web
I had a XXXX and went to XXXX. They had created fraudulent charges to my Insurance company and when the insurance did n't pay them they came after me. I gave them an opportunity to correct the billing and they failed to do so. I have reported them to XXXX different agencies. On XXXX XXXX, 2015, I faxed a letter to Capitol Accounts ( the collection agency my account got sent to XXXX. I then followed up with a phone call on XXXX, XXXX, 2015 with XXXX XXXX. I acknowledged they received the letter and was very rude and said he was going to report tyhis debt to credit agencies and it would effect my credit unless I paid that day. I told him it was under dispute and he insisted he was sending to the reporting agencies. Today, XXXX XXXX, 2015, he called on my cell phone. I immediately advised him that was not supposed to be calling me per my letter. He violated the Fair Debt Collection Practices Act. I would like XXXX XXXX along with his company to be cited and repremanded.
10/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11106	Web
XXXX XXXX XXXX I went to XXXX XXXX XXXX for a 15 minute consultation. I later found out that the manager is known to be a fraud and scammer. He started to try and issue false claims to my insurance company. I connected with my insurance company and told them it was fraud. I emailed with the investigator at the insurance company and eventually, the claims were blocked as the insurance company agreed it was fraudulent claims after I provided evidence about my XXXX XXXX XXXX Given that the owner still has my information, it appears that he is now trying to issue claims through a debt collection agency called Capital Accounts LLC XXXX XXXX. I received a debt collections notice in the mail from a creditor called XXXX XXXX in XXXX through Capital Accounts LLC. The reason why I know this is the same fraud con artist is because I have read online that this fraudulent individual has done the same scam to many people here in XXXX. I have never been to a XXXX XXXX XXXX XXXX
10/13/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 93611	Web
This is a follow up to case Your submission, [ Case number : XXXX ]. I have already submitted my paperwork showing the credit reporting done in error on my account # XXXX. This needs to be removed from my credit immediately as the correct procedure ( to protect consumers ) was not followed therefore reported to the credit bureaus in error. I received no response to my certified letter demanding a validation of what is " said owed ''. I do not owe this debt but if it is handled in the correct fashion and this removed from my credit, as it should have never been in the first place, I will pay the {$130.00}. Please reach out to me through email or fax with this expressed in writing and we will go from there. Once received in writing showing this was done in error and will be removed from my credit immediately, I will mail in a check. This is my final attempt before I seek legal counsel and move on from there to sue for the $ 1000+ damages done to my credit. Thank you
06/12/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77469	Web
Capital Account Collections has re-aged this account. The Date of Last Activity on this account was on, or before, XXXX XXXX , XXXX . Texas has a 4 year statute of limitations. Capital Accounts is reporting the DLA on my credit report as XXXX XXXX , XXXX . I finally checked my credit report and realized that this was going on. On XXXX XXXX , XXXX I wrote Capital Accounts and requested that they remove this fraudulent info from my account. They responded with a single piece of paper containing my name, an account number, Creditor, and a balance - NO DATE. The paper from Capital Accounts did n't even contain a date that the paper was generated! I responded on XXXX XXXX , XXXX that this was a second notice of fraudulent activity under Tex. Civ. Prac. and Rem. Code Section 16.004 ( a ) ( 3 ). Capital Accounts has not responded and they are still reporting this debt to the credit bureaus. This is a violation of FCRA Section 60 5 ( c ).
05/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 99004	Web	Older American
I received a call from what seems to be a debt collector group called Capital Accounts. They claimed that they were attempting to collect on a debt I owed to XXXX XXXX XXXX in XXXX, Idaho. I did rent a house for a year through this company but never knew of any debt or had ever been notified. My rental was closed in 2014. I was not going to pay this Capital Accounts over the phone and I certainly wanted to know what I supposedly owed for if anything. I immediately got off the phone with Capital Accounts and called XXXX XXXX. I spoke with a lady named XXXX and she seemed to both remember me and assured me that I did not owe anything. Capital Accounts called me again today trying to collect and I told them that I find this to appear fraudulent and I would report the incident. The amount was odd ( {$88.00} ) and maybe they thought I'd be a sucker and cough up credit information. Their web site given is : http : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA. XXXX
05/06/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30097	Web
XX/XX/XXXX - I called Capital Accounts regarding item on my credit report that reflects derogatory from XXXX XXXX. This company began calling me on XX/XX/XXXX regarding this debt and I advised them I do not owe the debt. I requested they provide me proof. They refused to acknowledge the dispute verbally and advised me to send the request in writing. This company has called me repeatedly using an automated dialing system and at which time I advised them I did not provide them permission to call my cellphone for any reason, I am billed for these calls. Each time they call I demand they cease contact attempts by phone. Even during the COVID-19 pandemic they continue to call regarding this debt and I have advised I refuse to make payment. I have been hung up on, yelled at, talked over, belittled and harassed by at least 20 employees at this company. Most recently on XXXX I advised I want proof of the debt and the agent told me already provided it and hung up.
08/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web
I called Capital Accounts LLC on XX/XX/19 and spoke with XXXX. I requested proof that the debt listed on my credit report was valid. I was told I needed to contact the original creditor. After advising I have already tried and the provider is no longer in business I was advised by XXXX that the company is not required to send me anything to validate my debt and they do not have any letters or documents to do so. XXXX then hung up on me twice after I requested a supervisor. I attempted to send a debt validation request via certified mail on XX/XX/2019 but the company has no physical address listed only a PO Box so I am unable to obtain proof the company has received my request. I have since received two different emails from this company on XX/XX/19 and XX/XX/19 with 2 different balances and was advised they are charging interest every day the debt is not paid. Collections agencies can not charge interest on debt if they are not the original creditor.
07/01/2019	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	NC 28216	Web
I was a tenant with this company about 4 years ago in XXXX. My lease ended with them on XX/XX/XXXX and no one notified me regarding a lease renewal so I was placed on a month to month. I lived in their apartment until XXXX of that same year under no lease. I contacted them and no one contacted me back. A message was left on their machine, twice. I continued to live there and the home begin to have bed bugs as well as mold. It wasn't livable. My kids and myself, we all gotten sick and had to take time off school and work. Again, I tried contacting their company with no response so I left the premises and when I left, the company charged me with over {$4000.00} fees on my credit when I attempted to contact them numerous times. I had no clue of this being on my credit until I applied for an apartment about 2 days ago XX/XX/XXXX. Again, I called today XX/XX/XXXX and left a message, no one has called me back at this time. It's about XXXX XXXX.
11/22/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33556	Web
XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX This doctors office did not run my claim through my insurance and then tried to bill me the full amount. We have repeatedly tried to get this corrected and it has since been sent to collections with Capital Accounts LLC for {$320.00}. This has destroyed my credit! They have told us multiple times they would cover the bill due to their own mistake for not running it through our insurance. They say they will email us with verification and never do. I informed the collector of this and they said they would email me which they never did. I have emails my husband sent to the doctors office explaining to them our case which weve taken every step to communicate with them and have been told multiple times it was taken care of and yet found out later it never was it is now in collections effecting my score. I am out of options I need this removed. I will reach out for legal help.
07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84121	Web
I have already disputed this account and Capital Accounts sent a letter stating, that they have closed the account and submitted a request to all three credit bureaus : " Dear Consumer, Thank you for contacting Capital Accounts , LLC via the portal regarding your account. We have paused collections on your account while we investigated your allegations. As a matter of courtesy, and solely in an attempt to reach resolution of your concerns, we have proactively closed this account in our system and returned it to your original creditor. You should receive no further communications from us on this matter. Additionally, we will submit a request to all three credit bureaus ( XXXX, XXXX, and XXXX ) to have this account deleted from your credit report. Thank you for allowing us the opportunity to respond to your concerns. Capital Accounts , LLC '' The account is now showing up on my credit report again. The original complaint number is : XXXX
04/06/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60137	Web
+ Original debt ( roughly {$80.00} ) from XXXX XXXX XXXX XXXX ( XXXX ) was disputed ( double billed - i think so they could bill vision insurance and health insurance separate ). XXXX said they would get back to us but never responded to consumer. + Consumer received multiple calls from debt collector Capital Accounts ( CA ) addressed to a minor in the house ( XXXX old ). Father explained situation and asked for debt validation. Nothing ever received. + one gentlemen from CA mentioned we were " breaking the law '' because of the minor / parent and discussing it without proof. + Consumer paid bill directly to XXXX just to make it easy ( only {$80.00} ) and to resolve matter. + CA continues to call consumer for debt ( it 's been at least 60 days since it was paid ). Latest was today - When I asked for contact details, he said his name was XXXX XXXX and then hung up on me. + phone calls from CA come from a switchboard operator
05/23/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 92069	Web
I have never heard of this company, and they have never contacted me ( by mail, email, or on the phone ). I only found out about this so called debt by looking at my credit report on XXXX because they sent me a notification that my collections balances went up. I logged in and saw this supposed account ( opened XX/XX/2016 ) that says its for a doctors office ( XXXX XXXX XXXX MD ) that i have used in the past, but the balance was over {$1000.00} more than the only bill i ever got from that Dr. ( current amount is {$1600.00} and the only bill i ever got from the dr was for something around {$250.00} ). I tried disputing it, but was told its a valid debt. They keep adding fees every month but still have never sent me a bill. I am afraid to contact them to find out how they came up with this amount i owe, but i'm afraid i will start to be harassed ( which not contacting me and keeping charging me fees is harassment in my eyes ).
06/06/2018	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	CA 92595	Web	Servicemember
Multiple attempts have been made to remove a fraudulent/misfiled account from my XXXX credit report. The report was successfully removed from XXXX XXXX and XXXX as there is no contract and it was incorrectly filed on my credit statement and has had an adverse effect on my personal and business finances. In XX/XX/2018I mistook the account for one that was closed in good-standing upon military activation and submitted a response stating this. Upon further investigation, I discovered the record was misfiled and did not belong to me. When I applied for a business line of credit, my lender informed me that the account was still negatively impacting my score, resulting in another dispute with a formal letter explaining the mistake. Experian did not look into the error and disregarded my request, otherwise, they would have discovered my military activation and that I could not have been the individual behind the transaction.
12/01/2017	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 Was not notified of investigation status or results	CA 95035	Web
Ran my credit report early XXXX XXXX Note a negative collection action placed on my report as of XXXX XXXX - {$680.00} CAPITAL ACCOUNTS , LLC o Collection was dated as active in XXXX, for services in MD in XXXX o I left MD in XXXX to move out of state Agency acknowledged they had received my letter and would send me letter Reached out to original creditor - XXXX XXXX, informed of {$570.00} debt and that theyd sent itemized bill to agency o Never contacted by collection agency, nor notification that collection would be placed on my credit report Sent let of dispute to agency letter requesting verification of letter of original debt XXXX/XXXX/XXXX, per Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Called agency to request letter on XXXX/XXXX/XXXX Received itemized bill from original debtor XXXX/XXXX/XXXX and attempting to close out debt Have yet to receive any communication from agency regarding debt
10/28/2020	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 60634	Web
I have been disputing the account with Capital Accounts for some time now, as it is an old debt and is incorrectly reported on my credit report and has affected my credit rating in a negative way. I have requested more than 7 times, documents reflecting my original signature for each procedure performed, agreeing to the procedure and the costs, as I do not agree with amount owed. The company has not supplied me with the documents I requested, which I am entitled to by law, and has failed to validate the debt. As a result I have sent a Cease and Resist letter to Capital Accounts refraining them from further collection activity although this request was ignored like all previous requests. Capital Accounts has failed to supply me with the necessary documents to validate the debt, and at the same time has also refused to remove the account from my credit report which has only caused further damage to my credit rating.
04/29/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10454	Web
I was in an accident on or around XXXX of XXXX I was referred to pain doctor for rehab, I was XXXX diagnosed and told I needed XXXX, the XXXX was supposed to be covered my my car insurance, and the other persons car insurance and I had Medicade through the state I believe it was XXXX XXXX at that time. 1-2 years after the XXXX I start getting mail and phone calls that I owe this money, all of my bills should have been paid through insurance and lawyers claim. I am still being charged this amount for this medical bill, I have tried to get this resolved with the insurance companies and everyone is giving me a run around and pointing fingers with no hope to resolve. Please help me. I also later found out the place I was refers to go to for pin was shut down for fraud, for making false insurance claims and lying on injuries paitensts didnt have. It is under XXXX XXXX which is my old name my name name is XXXX XXXX
01/07/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 31405	Web
I received a notice in the mail from Capital Accounts on XXXX, which is dated XXXX, to respond to the validity of a debt that I do not owe them. This debt was written off and already paid to the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, this strange company illegally obtained personal medical records that I have not authorized to share with 3rd parties. This is a direct HIPPA violation. Also, the company prematurely added their account to all of the credit bureau without validating that they have and own the rights to collect on this debt, license and bonded to collect debt in the state of Georgia, or an original contract. Ive already responed via mail on XXXX, but was ignored. I DO NOT wish to do business with this company, and I want this account REMOVED FROM ALL CREDIT BUREAUS IMMEDIATELY! My next course of action is to seek legal advise, and file charges against Capital Accts.
02/09/2021	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 774XX	Web
This company CAPITAL ACCOUNTS have send letters to my house informing that i have to pay a debt that I do not recognize, information as follows : Account NumberXXXX, Account TypeCollection, Responsibility Individual, Date Opened XX/XX/XXXX, StatusCollection account. {$750.00} past due as of XX/XX/XXXX. I called them and informed that I have never visited the MD they are saying, I provided my SSN and my Date of Birth and they told me that effectively I'm not the person they are looking for. However they insist on keep the negative record on my credit report. I disputed 3 times this account for the same reason thru XXXX but they ( the collector ) don't want to remove the collection from my credit ( remains in every single dispute ) which is hurting my credit record. I need this company remove this collection from my record since I'm not the debtor neither my SSN nor my DOB coincide with the real debtor.
10/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10312	Web
Dear Sir/Madam : I disputed the incorrect account which was reported to all 3 bureaus. It was a {$58.00} amount for XXXX Services which was paid to the doctor and it was sent to collections. I called Capital Accounts , LLC and cleared the matter with them and they told me that the account would be EXPUNGED from all 3 CREDIT REPORTING AGENCIES. Please see the email which I received from them on XX/XX/2019. Please investigate and remove the following negative information from my credit reports. Please see the correspondence which I received in the form of an email from Capital Accounts , LLC. Account # : XXXX From : Capital Accounts , LLC Client : XXXX XXXX XXXX This letter is to confirm that your balance has been paid in full. This account has been requested to be expunged from the three national credit bureaus as well. XXXX XXXX XXXX File # : XXXX Balance : {$0.00} Sincerely, Capital Accounts , LLC
08/18/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 928XX	Web
XXXX XXXX of XXXX XXXX XXXXtold Capital Accounts on XX/XX/2019they were authorized to report a DISPUTED DEBT claim to collection agencies BEFORE the LAPSE of 30 DAYS FROM DATE OF MY RECEIPT XX/XX/2019 (as communicated in writing by Capital Accounts). XXXX XXXX is a healthcare provider and the owner of XXXX XXXX XXXX - She should know better than to intentionally file false claims regarding medical services.Capital Accounts / XXXX XXXX / XXXX XXXX XXXXshould further be held accountable for taking action in contrast with their own written correspondence which state the recipient of any debt should: (1) REPORT DISPUTED CLAIMS to them (which I did along with providing documentation), and (2) Respond in writing within 30 DAYS FROM DATE OF RECIPIENT RECEIPT (which I did - outlining the incorrect billing, billing errors, charges for services incomplete/not performed and in breach of contract terms).
09/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	UT 84040	Web	Servicemember
I've received an attempt to collect a debt from Capital Accounts , LLC for a medical device billed from XXXX XXXX. They had tried to reach me at an old address ( which was listed with a forwarding address but never forwarded ) and the company has my new address on file. After emailing me I discovered this debt collection attempt was for a medical device that was never originally billed to me. I have asked they send me a copy of the original bill and they refused to send it - stated over the phone. In my attempts to discover why this is being collected, my insurance ( UHC ) at the time shows nothing was ever denied for my dates of service in question, XXXX XXXX, and both my physician ( XXXX ) and the facility ( XXXX XXXX ) XXXX a XXXX balance on my accounts. I believe this is a fraudulent claim but can not gain traction with Capital Accounts to determine how to have the collection removed.
01/20/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	WV 253XX	Web
I disputed the validy of an account listed on my credit report as it 's not mine. I had fraud on my SSN as I had reported to the credit bureaus and they placed a fraud alert on my file. The credit bureau removed the account because it was never validated by the company. Then once the company got notification the account was deleted they reinserted it the same day without my 5 day notification. I disputed this information they sent me copies of medical bills for XXXX people I do n't know who they are. I then filed a complaint with the XXXX case ID XXXX and I just received an email stating that the case will remain unresolved because the company will not cooperate basically and the report will be on their XXXX file for 3 years. Again I state I do n't know anything about this account or people and I need it removed as it is hindering my credit worthiness. The company name is Capital Accounts LLC
09/01/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 93611	Web
Disputed original claim for acct. XXXX with a certified letter within 30days of receiving Capital Accounts LLC demand letter XXXX/XXXX/2015 for {$210.00}. I asked for validation and never got it. I have my letter and documents of proof certified, signed for that I sent XXXX/XXXX/2015 and a Capital Account 's representative signed for XXXX/XXXX/2015. I do not owe this debt. Even if they " proved I did '', I should have still be given a response and not been sent to all the credit bureaus within 5 days. I want the account deleted off my credit until they legally respond to my validation letter. Give me a chance to respond without sending it to the credit bureaus, the whole point is to take my money is n't it. They are in violation FDCPA by not responding to my valid letter sent within the 30days of their claim. I would like to resolve but they need to follow FDCPA guild lines and regulations.
02/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 11691	Web	Servicemember
I have made payments to Capital Accounts in the amount of XXXX ( receipts attached ) for a dental bill that XXXX XXXX XXXX has turned over to Capital Accounts. The original bill is XXXX. The original letter from Capital Accounts stated I owed XXXX with interest charged to the XXXX. After paying the XXXX a balance of XXXX remaining. Today I called Capital Accounts to offer them XXXX to close the account. The representative refused and also stated my balance is over XXXX. I asked to speak with a supervisor or manager. The Representative stated that he was the supervisor and they do not settle accounts. Capital Accounts is charging an extreme amount in interest keeping me hostage to a debt already paid. Originally XXXX XXXX was never owed this money, because they did not complete the work leaving me to seek another dentist ( XXXX XXXX ) completed the work ( both original bills are attached )
08/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
Capital Accounts is trying to collect on a debt Ive already disputed, and was closed do to them not being able to provide a signed contract on this alleged debt. Their response to this matter and I quote was : Dear Consumer, Thank you for contacting Capital Accounts , LLC via the portal regarding your account. We have paused collections on your account while we investigated your allegations. As a matter of courtesy, and solely in an attempt to reach resolution of your concerns, we have proactively closed this account in our system and returned it to your original creditor. You should receive no further communications from us on this matter. Additionally, we will submit a request to all three credit bureaus ( XXXX, XXXX, and XXXX ) to have this account deleted from your credit report. Thank you for allowing us the opportunity to respond to your concerns. Capital Accounts , LLC XXXX XXXX
08/20/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	VA 230XX	Web
They have continued to call me and make threats that they are going to put this debt on my credit report even though I still have not gotten anything from them in the mail on who I owe and amount. They offer to text it to me with a link on it and I refused that. I have asked several times for them to mail it to me. I have yet to receive anything. Now when they call they hang up on me as soon as I answer and when I call back they have the same recording that they will transfer the call it rings and then disconnects so I ca n't get this supposed collection agency 's name. One total me Capital Billing and one total me Capital Accounts. I have never been called by the same number. They are all different area codes and phone numbers. I submitted a complaint already on XXXX. I wanted to add to it since a new number called but I did n't see that option. That complaint number is XXXX
01/05/2023	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 306XX	Web
hello I am writing regarding the collection reference # XXXX for {$2300.00} plus interest now {$1000.00} fir 3 months, since I was never notified before and they sent an account to collection of an accident I had in XXXX, my credit has been damaged and I tried in every way to prove that it was not I have this debt with XXXX since the check was sent on XX/XX/XXXX to the XXXX XXXX, which is the office of XXXX XXXX ex-husband of XXXX XXXX in the divorce dispute, the accounts were on one side and on the other and I I am one of the victims since it is not known who cashed said check, I hope for your help and that I have spoken with all the parties involved but I have not had a positive response, I will send the corresponding documentation and I await your prompt response. I thank you in advance for the attention given and the Any help you can give me to solve this big problem
05/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77406	Web	Older American
Last fall I received a statement for for {$3300.00} from XXXX XXXX XXXX XXXX, XXXX. The bill was from 10 years ago. Since I had never even heard of XXXX XXXX, nor did I ever utilized his services, I called his office and spoke to his office manager. She could not find any supporting documents to support the charge. She said she would look into the matter and call me. XX/XX/XXXX I received a notice from Capital Accounts for collection of said bill. I responded by mail asking for support documents ( itemized bills ) and then we could discuss the matter. I am now receiving daily calls from agents from Capital Accounts. Every day they ask if I am prepared to resolve the matter. Every day I ask for supporting documents. They continue to call and I have not received anything. They have called my work number. They have called my cell number. They have even called my son.
02/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	ID 832XX	Web
The company is Capital Accounts. Very unprofessional company keeps hanging up on me every time I call now instead of discussing this debt with me. This company will not give me a explanation of the debt they are saying is owed. I tried to contact that original creditor and they never return my calls or anything to give me a balance of what this is for. I rented a home from them in XXXX, and back in XXXX all of a sudden a collection agency pops up on my credit report and reporting as a fresh debt instead of the date the original account is from. I never received any notice prior to it going on my credit report, just all of a sudden one day it was there. They refuse to work with me in any way to validate the debt, tell me what it is for, or even report the correct dates from the account. I cant even get them to stop hanging up on me. This a fraudulent scamming company!
02/04/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 32958	Web
They are medical bill collectors called capital accts. They have called me several times every day for a medical bill. I have explained to them that I have over 50k in med bills from just last year and my meds are XXXX and I can not even pay for gas. they stated that ask the family to pay my bills or my spouse which is the only one able to keep a roof over our heads. they have placed 5 different collections on my credit report. I have explained to them im very sick and I know I have a bill but to please stop harassing me. they then stated they will seek legal action against me and it can result in judgment lien on me and anything I own it can also result in wage garnishment. I told them if I was able to work I would not be in this call with them. They call from several landlines they call and hang up and when you call back they answer. I do not know what else to do
11/02/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76131	Web
On XXXX XXXX, 2017, I paid my account to XXXX for Capital Accounts LLC. Capital Accounts is a debt collection company. I called to advised them of my final payment and was told that they received my payment and my credit report will be updated in 30 days. After 30 days I noticed that the payment on my credit report increased to {$170.00}. I called again to see why my credit was showing a balance when I have paid the account in full. The representative assured me that my credit would be updated in the next 30 days. I waited another 30 days and my credit still shows that I have owe {$170.00}. I then sent an email on XXXX XXXX to Capital Accounts advising them that the information on my credit report is incorrect and to please update my credit showing that I have paid off my account. I have yet to hear back from anyone and my credit still shows that I owe {$170.00}.
10/15/2018	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	NC 283XX	Web	Servicemember
Ive been trying to correct my credit report since the beginning of this year! Ive reached out to the original creditors as well as all three major credit reporting bureaus. Two of the credit report bureaus states that theyre information was corrected or updated but hasnt provided any proof that theyve received correct information! I still have old accounts that are past seven years on my credit report and some creditors are still reporting after Id provided them with proof of documentation that the accounts are no longer my responsibility or incorrect! Theres been reappearance of accounts listed without informing me! Id also provided them with my correct personal information and I still have wrong addresses listed on my credit report after theyve stated that theyve updated it! Im still unable to receive any approval for credit lines and other credit accounts.
03/29/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MD 20852	Web
I have been getting few calls a week since XX/XX/XXXX of last year from Capital accounts. I have asked them many times that that I do not owe or know of any company by the name of XXXX. I have never lived or been to XXXX. They have failed to validate this account or send me any documents. I have advised them if they represent Open XXXX of XXXX XXXX, then my balance with them is only {$200.00} and I be gladly pay for it, as long as their negative reports gets removed from MY CBR. This Company always calls from a Local number but that are not in XXXX nor have any office here in my Home State. Every time I tell them this, they either Hung up or call the next day. I have asked them not to contact me on My Mobile phone, but they still do. I have yet to receive a single document or a letter from them. I respectfully dispute the validity of the debt and the amount.
11/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web
This information appears on my credit report, attempted to reach out to the company to request information, regarding this account. But instead my personal information was shared with another customer. I'm disputing those charges, because I was denied treatment,. This company has made calls and emails to friends, and family members unauthorized. Made numerous calls without identifying themselves as a debt- collector company. I have attempted to reach out to supervisor at the company, to file complaints concerning their actions, but my concern and complaints was dismissed. Therefore, I m going outside the box to draw attention to Capital Accounts, negligence on sharing my information, as well as violating my rights, refusing to provide me with Information regarding this account. Please look into this matters, as a consumer XXXX XXXX XXXX ( XXXX ) XXXX
03/16/2021	No	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 77082	Web	Older American
My consumer finance complaint ID is XXXX. Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response Dear XXXX XXXX, Thank you for contacting Capital Accounts , LLC via the portal regarding your account. When we received your complaint, we immediately paused collections on your account while we investigated your allegations. As a matter of courtesy, and solely in an attempt to reach resolution of your concerns, we have proactively closed this account in our system and returned it to your original creditor. You should receive no further communications from us on this matter. Additionally, we will submit a request to all three credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX to have this account deleted from your credit report. Thank you for allowing us the opportunity to respond to your concerns. Capital Accounts , LLC.
01/05/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 11216	Web
XXXX XXXX has been sending me a bill for months about something that has been paid in full on XX/XX/2020, according to my health insurance. He is using Capital Accounts to seek to collect a false debt that has been paid already. My concern is that they won't stop calling me on the phone and my health insurance called XXXX XXXX and he said he did get paid and he would contact them to stop harassing me for the amount that has increase now to XXXX dollars. But he lied and the calls kept coming. In a recent phone call with the insurance company listening to his every word, he said I was irresponsible because I have not paid this bill. Sadly, Capital Accounts is getting an attorney to come after me for this false debt. The XXXX dept at XXXX XXXX XXXX said that XXXX XXXX was paid once and he was trying to get paid more that once for the same visit.
02/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NC 28216	Web	Servicemember
This debt was paid off because it was in judgement at the XXXX XXXX Courthouse in the amount of {$1500.00} by my Attorney XXXX XXXX, Escrow Officer from a sell of my Property located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX on XX/XX/XXXX. This debt was place as a judgement ( XXXX ) at the XXXX XXXX Courthouse by XXXX XXXX XXXX in erroneous after it was settled through the courts in XX/XX/XXXX. After many calls and attempts to Capital Accounts LLC who brought the debt from XXXX XXXX and XXXX to have it investigated and removed or updated. It is still showing on my Credit Report. I am now through frustration contacting you all to assist me in having this debt showing in the amount of {$1200.00} removed from my Credit History. Account # XXXX Paid XX/XX/XXXX to XXXX County Clerk of Court. Judgement # XXXX in the amount of {$1500.00} Thanks
06/14/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 62234	Web
Capital Accounts LLC is reporting the same ebt collection account twice on my XXXX, AND reporting the wrong amount owed. They will not verify the origninal debt ( Which is XXXX $ ) they are reporting different amounts to all 3 credit bureaus. ALL incorrect amounts. I have disputed this numerous times and have asked to validate the original amount- hey have not. Now in the last 3 months - they are reporting the SAME account twice on XXXX. I have disputed and I have no idea why it keeps getting validated when it it totally wrong. I now have to hire a lawyer to get this taken care of because they keep ADDING to the amount owed, do not verify the original debt and inaccurately reporting twice on XXXX This is beyond false information they are reporting and refuse to edit or remove it. I do NOT owe these large amounts and I will keep fighting
06/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 152XX	Web
I paid this account and was told by the Capital Accounts agent it would be deleted from my credit. It was deleted from XXXX and XXXX, the agent told me they always deleted first, and that I may have to dispute it with XXXX. I thought it was very strange that this agent was giving such detailed credit advice, I thought they were not allowed to do that according to the FDCPA. I followed his strange advise and it was not removed from XXXX as promised. So I sent a dispute letter to the address that Capital Accounts reported to XXXX, and that dispute letter was returned. I feel totally defrauded, the advice that was given to me was incorrect, and the collector can not be reached to demand they hold their promise. They are not reporting 100 % factual information to the credit bureaus if they are not reporting an accurate address! Help me!
01/02/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 752XX	Web
On XX/XX/XXXX, I reviewed my credit report and noticed that there was a collection account dramatically impacting my credit report and score. On XX/XX/XXXX, I immediately disputed with all 3 credit bureaus, as I have had no knowledge of this alleged debt. Under the FDCPA, I have the right to request validation of the debt that any collection agency states I owe. Further, when an account is in dispute, the collection agency is required to cease all reporting until debt has been investigated and validated. Capital Accounts has not only failed to do so, but has falsified the alleged amount owed, by altering the dollar amount month over month to in a fraudulent effort to collect on alleged debt that is clearly being disputed. While this may be minute to some, it infringes on consumers rights and needs to be rectified immediately.
03/12/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11003	Web
Capital Accounts has been illegally reporting a collection debt, XXXX XXXX XXXX XXXX, which I do not owe to the credit bureaus since XX/XX/XXXX. I have been disputing this account on a monthly basis since it was placed on my reports and requested verification of the account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In response to these 3 requests Capital Accounts sent me 2 page letters suggesting they have sent an itemized list of my debt. In each of the letters the second page is a blank page. This is not a mistake. This is evidence that there is no debt owed at all. In any event I did not ask for an itemization of my debt. What I insisted on was validation of the debt with my signature authorizing the debt. I have not received verification as of today. They continue to refuse to remove this false debt from my reports.
12/05/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TN 380XX	Web
Supposed debt is from a XXXX XXXX who is no longer open, I have no way to contact them. I never received any billing from that business in the 6 years it was supposedly owed. This collections company got the account I assume when the office closed. I first requested information from them in XXXX and never received it, nor did anyone. Intact me again until XXXX when they sent it to my credit report. The person I spoke to on the phone was horribly rude and spoke over me the entire call. The debt they show I owe from the office is around {$300.00} less than what theyve reported. This excess is said to be interest on them having this account they say is owed. This is a XXXX XXXX that closed. No one contacted me in 6 years saying I owed anything, I no longer have that insurance nor card I paid with, and the office is closed.
01/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78221	Web
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Capital Accounts. I requested a validation on XX/XX/XXXX as I do not believe that the account belongs to me and/or was not paid by my insurance. On XX/XX/XXXX I reviewed my credit report again which was updated to reflect that the account was being disputed however I never received validation of this debt nor HIPAA authorization from them. A 2nd validation request was sent out and when I reviewed my credit report again on XX/XX/XXXX the account was still reflecting on my report as disputed with no validation information received by me. Based on their failure to validate this account adequately I would like this account removed as this account is still reflected on my credit profile and continues to negatively affect me.
11/24/2020	No	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	SC 29229	Web
this alleged collection agency Capital Accounts never sent me any letter or notice of medical debt yet they continuously report it on my credit report they Will does not send me Original Contract or 1099-OID Original issue discount or any contract showing them as a beneficiary of any debt in case of default, shows a balance and past due balance and its in the collection which is a violation and multiple inconsistent statuses dates Furthermore after pulling my report on 3 different bureaus the alleged collection account reports wrong on each on no respect to the Metro 2 reporting standard. I want this dispute forwarded to member os the Metro 2 Task Force so they can probably see The Credit Bureaus Failure recognize this alleged collections inaccuracy and verifying it even though its obvious no investigation took place.
01/20/2021	No	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	CA 94107	Web
Capital Accounts ( https : //usecapital.com/ ) reached out to me to collect the {$200.00} medical debt from XXXX office. It turns out XXXX office had my address wrong ( hence I never received the bill, and they never bothered to call me up until the bill got to collection agency ) and capital accounts collection agency found me by phone and was doing the following : 1. threatening me and my safety 2. charged me outrageous interest ( 20 % interest for 30 days of no-payment ) 3. claiming that they had the right address when in reality the address that they ( and XXXX office ) were trying to contact me doesn't exist ( they were sending letters to XX/XX/XXXX str that doesn't exist in XXXX XXXX ) 4. calling me on weekends and outside of working hours 5. being extremely unflexible, unfriendly and unwilling to cooperate
06/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38138	Web
The account in question is from a debt collector. I have never had a contract with this agency, and i have informed them as such. I have sent several letters to XXXX in reference to this account. I have asked for any documentation showing that I owe this debt, along with any documentation with my signature on it, and have yet to receive anything at all. They do continue to send me a credit report stating that the account has been verified without supplying the information requested. I might also add that the other two credit reporting agency 's, ( XXXX and XXXX ) deleted the inaccurate information when they could not supply the documentation. I ask XXXX to do the same. This debt collector also changes the amount of the debt each month. Debt collector : CAPITAL ACCT Acount # : XXXX Original Creditor : XXXX XXXX
04/03/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OH 451XX	Web
I am a husband and the debtor is my wife. I received and returned calls on XX/XX/XXXX @ XXXX est, XX/XX/XXXX @ XXXX est, & XX/XX/XXXX @ XXXX est. All three times the debt amount and its collection status was disclosed to me as well as demands for payment although I am not on the debt. They continued to call me and collect a debt even after explaining that it was my cell they were calling, that I am not a right party, and that they needed to speak to my wife. When I asked them to stop calling, since they are only allowed 1 call to update info, they told me they would not cease calling until they received it in writing. I am not a right party, they can not disclose nor continue to harass me for a debt that is not mine. They continue to do this after being told their errors. They even lied to me about legalities.
03/08/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07016	Web
I have been sent to XXXX XXXX from a dental office that I have never been to nor had any services from. I never even been to that area. I also never received a bill from XXXX XXXX XXXX in XXXX NY. I have never been to that office nor received any services from them. When I asked for a copy of a bill and evidence that I received services, none was provided. I disputed the bill and the collections report on my credit statement with XXXX and XXXX nor Capital Accounts did not verify nor obtain any evidence that I received any services from XXXX XXXX XXXX. I also researched and saw that this company sent other individuals to collection for not receiving services. This is outright fraud and need to be reported as this dental office is selling names of individuals to collection agencies for fictitious collections.
03/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30339	Web
I received a statement from Capital Accounts stating that I had an account with XXXX XXXX. I do not, nor have I ever owned any vehicle that was serviced by XXXX XXXX. The vehicle that was serviced by XXXX was owned by a corporation XXXX XXXX Any account that would have been created between XXXX and would be the responsibility of the business and not me as an individual. 15 US C 1681 s2a Reporting Information with Actual Knowledge of Errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. Checking the vehicle registration with the VIN number would confirm that information. Capital Accounts failed to accurately verify that I and not a business was responsible for this debt.
11/21/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 48236	Web
I was called on my cell number by Capital Accounts and they did not verify my identity, simply asked if I was by my first name and then when I said yes told me they were collecting a debt. I told them not to call me on any phone and they told me they would keep calling me until I requested a cease in writing. They then called me at my workplace and I told them to stop calling me and once again they refused and once again they failed to properly identify me before talking to me about debts. They then called me at my workplace again, which is a clear violation of my rights. I told them I disputed the debt and they refused to take the dispute verbally and also did not verify who I was before speaking of the debt yet again. They are harassing me for no reason and have violated my rights on multiple occasions.
04/02/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 92656	Web
Capital Accounts never contacted me whatsoever about this debt they think I owe and then began to assess fees on the debt which has dramatically negatively impacted my credit score. My credit report ( that I had to pull to even discover this company 's actions against me ) shows the date opened as XX/XX/XXXX but that the debt was first reported XX/XX/XXXX with a {$490.00} balance. They began to assess fees against the debt in XX/XX/XXXX and have continued to report that to the credit agencies. I received no notice of my rights to dispute the debt from their company. I received no notice of anything from this company. I had to undertake sending a dispute letter to them after discovering the nearly 70 point drop in my credit score. Absolutely ridiculously unprofessional and likely illegal behavior.
05/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33025	Web
I boarded my pet at XXXX XXXX XXXX Hospital in XX/XX/XXXX. We received a call while on vacation saying that our dog needed treatment. We specially declined treatment due to the financial cost ( currently unemployed ). Our contract also states that we would deny treatment. Treatment was administered, upon returning to pick up my pet. I paid for the charge in full. I then disputed the portion of the treatment that was not authorized. One week later our case gets sent to Capital Accounts, a collection agency. I provide them with a copy of the receipt showing the amount paid in full. The remaining disputed portion is between XXXX XXXX and XXXX XXXX I received a {$0.00} balance from capital account and now I get a call every two days from a different person trying to collect on the disputed debt amount.
11/25/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77584	Web
Hi, My name is XXXX XXXX XXXX. I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
02/26/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 43615	Web
ON XX/XX/2018 AN ACCOUNT REPRESENTATIVE BY THE NAME OF XXXX XXXX CALLED MY PHONE AROUND XXXX. MY XXXX YEAR OLD DAUGHTER ANSWERES THE PHONE ANS THE REPRESENTATIVE QUESTIONED MY DAUGHTER REGARDING MY ADDRESS. MY DAUGHTER TOLD HER SHE DIDNT KNOW THE ADDRESS AND SHE THEN ASKED MY DAUGHTER HOW DO YOU NOT KNOW YOUR ADDRESS. SHE ALSO ASKED HER SEVERAL TIMES WHERE WAS I AFTER MY DAUGHTER TOLD HET I WAS UNABLE TO COME TO THE PHONE. DURING A PREVIOUS CALL FROM THIS COMPANY, I TOLD THEM I DISPUTED THE DEBT AND ASKED THEM IF THEY COULD SEND ME ACCOUNT VALIDATION PER THE FCRA 1692 SECTION B, WHICH I NEVER RECEIVED. THIS REPRESENTATIVE CONTINUED TO CALL AND QUESTION MY DAUGHTER WITHOUT SENDING ME VALIDATION AS I REQUESTED, WHICH THEY ARE REQUIRED TO DO BY LAW. I AM SEEKING LEGAL REPRESENTATION IN THIS MATTER
09/05/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 37067	Web
I went to XXXX XXXX for a medical issue with my XXXX. I had a new job and there was a question of if my medical or optical insurance would pay. I then paid the original amount via my HSA portal. I received no further communication after paying through my HSA portal. I ran my credit report earlier this year. That is when I saw the balance from XXXX XXXX XXXX office. I immediately sent a personal check of {$210.00} ( cleared XXXX ) and requested documentation for me to be reimbursed for both charges by my HSA. I have reached out to Capital Accounts LLC multiple times to have this collection either removed from my XXXX, XXXX, and XXXX reports or at least list the balance as paid. Capital Accounts LLC has refused to do either and keeps insisting to the credit bureaus that the balance is unpaid.
07/07/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75052	Web	Servicemember
Went to XXXX XXXX XXXX XXXX on XX/XX/15 to get XXXX XXXX. I changed my mind and cancelled my appointment because they did not have the XXXX XXXX XXXX that they told me they had days prior over the phone. XXXX XXXX XXXX XXXX charged my insurance for the planned services even though I did not receive the services. After receiving a payout from my insurance, XXXX XXXX XXXX XXXX sent an incorrect balance to Capital Accounts LLC even though I did not owe anything because I did not receive any services. After multiple disputes ( more than 4 disputes ) through XXXX credit reporting agency, Capital Accounts LLC has been reluctant to remove the incorrect collections account from my credit reports even when supporting documentation was provided and XXXX XXXX XXXX XXXX has acknowledged the mistake.
04/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78245	Web
There is an amount from a rental agreement that was terminated. The property management company sent a certified letter imposing claims on my security deposit. I sent within 15 days, a certified letter disputed the claim. This was in XXXX of XXXX. I have not heard anything from my former property management company. I received a call approximately in XXXX XXXX from Capital Accounts stating the have a debt from my former property management company. I asked for an itemized account of what was owed. They sent me a letter on XXXX/XXXX/XXXX with the lease agreement, and a ledger. On the ledger, there was an amount for repairs. I called Capital Accounts and asked again, for an itemized record of the amount that I am disputing. To this date, they have not submitted to me validation of the debt.
07/09/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33407	Web
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have reached out to these companies regarding documentations and proof of contracts and Nothing has been submitted to me. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 1. XXXX XXXX XXXX-XXXX XXXX {$2000.00} ACCT # XXXX XXXX. ( NOTHING HAS REMOVED OR RESOLVED ) 2.CAPITAL ACCTS-XXXX XXXX {$440.00} ACCT # XXXX XXXX ( NOTHING HAS REMOVED OR RESOLVED ) 3.XXXX XXXX XXXX-XXXX {$1000.00} ACCT # XXXX XX/XX/2018 ( NOTHING HAS REMOVED OR RESOLVED )
07/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	CA 95824	Web
I rent XXXX house XXXX my husband like 4 years ago and XXXX company send me to collection and my husband pay months ago and and still have the open account in collection i call the company of collection they telling me that is going to be removed call back in one month and is the same thing and i call yesterday and again now they tell mi the XXXX is going to call you back and nothing this is the receipt Capital Accounts XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Original Creditor : XXXX XXXX Homes Current Creditor : Capital Accounts LLC Account Number : XXXX Current Balance : {$0.00} Dear XXXX XXXX : RE : Receipt for Payment This notice is to confirm that the above referenced account was PAID IN FULL/SETTLED IN FULL on XXXX Sincerely,
03/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 318XX	Web	Servicemember
I started seeing a new XXXX office XX/XX/XXXX-XX/XX/XXXX. I stopped when they XXXX my XXXX. My bill was paid in full. I went on to get medical treatment and never went back to that XXXX. On XX/XX/2018 they opened a credit report against me that I owe them {$260.00} through the Collection Agency Capital Accounts. I disputed the charge. The collection increases {$1.00} every month since I disbuted it. I wrote the XXXX Insurance Company and XXXX XXXX actually stole money from me and owes me {$1600.00} which they have not paid. I also filed with the XXXX XXXX and its still under investigation. This man, XXXX XXXX is a crook and I dont owe him a single cent. His XXXX staff is negligent and caused severe damage to my XXXX. I want this removed off my credit reports please.
11/23/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 13212	Web
I called Capital Accounts LLC on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. Also wrote them a letter on XX/XX/XXXX. I am trying to get an itemized bill from them for the service from XX/XX/XXXX ( which I was never billed for an medical expense ) They have not sent me the itemized bill and would not give me the address or phone number of the Company who the bill is thru. I called them on XX/XX/XXXX and they are no longer handling this debt and gave me another phone to call and I called this other phone number and no one has any record of me by SS #, DOB or name. I am trying to obtain the itemized bill to get my medical insurance company to pay the bill to a company that is no longer open and I am getting no where and this is on my credit report for {$1900.00}.
12/08/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94107	Web
Capital Accounts forwarded a bill to me XX/XX/2021 in violation 15 USC 1692f ( A ) and 15 USC 1692e ( XXXX ) stating that if I did not pay the invoice amount that they would report such information to my Consumer report which is a violation of 15 USC 1692d ( XXXX ) and 15 USC 1692f ( XXXX ). In addition Capital Accounts has called me on XX/XX/2021 in regards to this alleged debt also in violation 15 USC 1692d ( XXXX ). Furthermore I did not give Capital Accounts written consent to have my private information, nor do I have any contract with Capital Accounts, I dont know who they are and never have done any business with them. Capital Accounts has violated my Consumers rights and has used abusive practices in violation of 15 USC 1692 ( a ) to collect a debt.
04/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 18966	Web
This debt collection is for a XXXX XXXX. My wife XXXX XXXX XXXX was married to a XXXX XXXX - who died 17 years ago - they had NO children together! XXXX XXXX is a child of XXXX from a previous marriage that was divorced. XXXX former wife had custody of XXXX My wife and I have been married for 15 years. I have never met XXXX and my wife has never had a relationship with XXXX - even when she was married to XXXX! We get harassing phone calls from debt collectors for XXXX XXXX and her husband - Daily! on both of our phone lines! We have requested they remove our contact info - but this stops for a period and then restarts. the caller harass us and threaten us - the only info I have for the collection company is - Capital Accounts, XXXX XXXX, PA - phone XXXX
02/24/2022	No	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	OR 97222	Web
At XXXX XXXX XXXXXXXX on XXXX XXXX Capital accounts called waking me up and from what I understand it is against the law to call before XXXX. I am not sure why they are calling as I was upset and yelled at them saying never can before XXXX again. I originally thought it was a telemarketer but after looking up CAP ACCOUNTS ( the caller ID ) it said it was a debt collection agency. I was hung up on twice when I called back but the third time calling I lied and said I was recording a call so they transferred my call to a manager. The manager put me on hold for 10 min and came back acting like he did not know why I was calling. I asked him for address, phone, and name of the company I told him I was going to file a complaint. Then he put me on a 17 min hold.
11/24/2021	No	Debt collection Other debt	Communication tactics Frequent or repeated calls	TN XXXXX	Web
Capital Accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Capital Accounts called for someone I know personally. However, neither of us have provided Capital Accounts with any contact numbers including the number Capital Accounts called that is considered " XXXX '' and is not given to just anyone. When I spoke with XXXX other Capital Accounts Repetitiveness including XXXX, they refused to disclose how they obtained my " Private Number. '' XXXX also refused to verify the address I provided here and further refused to provide actual address of Phone Number XXXX by stating he found " No Outbound Call '' which came to my " Private Number '' and is how I obtained the phone number XXXX as Capital Accounts. FCC Complaint # XXXX XXXX XXXX
06/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 479XX	Web	Servicemember
On XX/XX/2020 at XXXX, I contacted Capital Accounts regarding a collection account that showed up on my credit report for {$61.00}. They stated it was for a dental bill at XXXX XXXX XXXX. I told them that I have never been a patient of that dentist, they asked if I had a spouse or children that were a patient. Since my children are grown and out of the house, I told them that I did not know. They stated that since I carried the insurance for the account that I was legally responsible for the bill, even though I did not sign any agreements. I informed them that is not the case and asked them to send me the information on the account and they said they could not. They also did not send me the notice of debt within five days of our first communication.
07/03/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web	Servicemember
I'm still disputing this account after receiving a word document which provided me a view in over billing duplicate codes and no records of insurance funds being received but this office billed. This is inaccurate and I would like to get this resolved ASAP This debt is not valid and I dispute this and a word print out provided doesn't make any sense at all. I had insurance and your states you never received any insurance funds as your records show you billed the insurance two months after the visit. I would like to see the signed authorization, details on the insurance billing. It also appears I was overcharged for code XXXX XXXX XXXX XXXX and code XXXX XXXX XXXX {$85.00} why would I have been billed twice for these. This is inaccurate information
09/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 373XX	Web
On XX/XX/2022 Capital Accounts sent me a collection saying I owe them {$3000.00} with added interest of {$430.00} resulting in the amount of {$3400.00} I replied back via certified mail on XXXX2022 asking them to validate the debt that they are saying I owe & to cease any credit bureau reporting until debt is verified by me. They then send back a bill of service fees. On XX/XX/2022 I sent a 2nd debt validation letter stating that thats not enough to valid a debt saying I owe to please send evidence proof of the allege debt including specifically the alleged contract or another instrument bearing my signature. They didnt comply, sent the same bill of service also put the collection on my credit without me verify the debt and still adding interest
06/27/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	TX 75165	Web
Collection agency called, returned the call back and male employee was extremely rude and abusive. While providing a time and date for when the {$74.00} balance could be paid the collector made remarks regarding the guarantor 's children, specifically stating " I know you have XXXX kids and you clearly don't care about them since you won't pay this .... '' The male employee also stated they would no longer be calling since the guarantor would not pay today or put a card on file to pay. This is a low outstanding balance and the treatment was completely uncalled for and the exact reason FDCPA and UDAP was created. This abusive language is completely uncalled for and illegal. Phone Number : XXXX Collection Agency Name : Capital Accounts LLC
11/17/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 22182	Web
I have been harassed by phone, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX by Capital Accounts over a claim that I do not owe / am not familiar with. In addition to calling me at my work number which does not allow personal calls, they also contactedseveral senior citizen family members and misrepresented who theywere, misstated alleged amountsowed, and made threatening remarks. I requested that they stop all communication with me and with this address about this debt, and that I am disputing the debt/ have no knowledge of what it is. However they have ignored those written requests and continue to harass me at work and call family members claiming to be from the government.
06/01/2021	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TN 37912	Web
While checking my credit report I noticed a collection put on there by Capital Accounts even after telling them numerous times this was not my debt. I also sent them debt validation letters by certified mail on XX/XX/2021, which they received and signed for XX/XX/2021. Their agents are rude and uncooperative to say the least and are still refusing to take this fraudulent collection off of my credit reports. Instead they sent me emailed me an itemization which has no dates and no signatures from me or the original party. Pursuant to the Fair Debt Collection Reporting Act I demand Capital Accounts take this fraudulent collection off off all three of my credit reports ( XXXX, XXXX, XXXX ) immediately since the debt is unable to be validated.
05/28/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 770XX	Web	Servicemember
ON XX/XX/2019 I was contacted from Capital Accounts saying I owed money to a dentist that I have paid in full, I have all paper work from dentist, but now they are saying that insurance didn't cover something, anyway Capital Accounts told me I had to pay and if I didn't pay they were charging interest and that would also be reported to my credit report monthly until I paid. I have never received anything in the mail about this account and I have spoken to the dentist about their improper disclosure of how he said were in network and they spoken directly to insurance company and had the procedure approved how much I had to bring the day of procedure and 1 yr later their saying I owe more. Capital Accounts LLS XXXX XXXX XXXX XXXX, TN XXXX
06/01/2021	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TN 37912	Web
While checking my credit report I noticed a collection put on there by Capital Accounts even after telling them numerous times this was not my debt. I also sent them debt validation letters by certified mail on XX/XX/2021, which they received and signed for XX/XX/2021. Their agents are rude and uncooperative to say the least and are still refusing to take this fraudulent collection off of my credit reports. Instead they sent me emailed me an itemization which has no dates and no signatures from me or the original party. Pursuant to the Fair Debt Collection Reporting Act I demand Capital Accounts take this fraudulent collection off off all three of my credit reports ( XXXX XXXX XXXX ) immediately since the debt is unable to be validated.
08/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AL 361XX	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
09/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 186XX	Web
Debt is still on reports. This was opened in 2015. It is also a family members debt, not mine. Any and all services from this guy were paid in FULL. I have several family members with the same last name that use this dentist. Also, any and all balances were covered by my insurance at that time. I was in college and I paid yearly to have it. My portion was paid. It is NOT my problem if he didnt get paid xyz from insurance. If in fact that is even the case. That office has been known to double bill and claim insurance isnt covering etc. when in fact, they are covering services. I do not owe this bill!! Ive tried repeatedly to resolve with no success. On top of that, it shouldnt even be on my reports at this point its over 7 years old!!
04/13/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30542	Web	Servicemember
I was contacted on XX/XX/21 about a debt to XXXX XXXX which was being handled in collections by CAPITAL ACCOUNTS LLC. They offered me a settlement amount of {$520.00}, which would be offered for TEN DAYS. I paid this settlement amount in full on XX/XX/21 and have receipt of payment for that amount. Documentation for settlement and for receipt are attached. The company continues to call me and has continued to list an additional balance on my credit report for this same debt, which is completely fraudulent since I paid my settlement amount in full and have documentation to prove it. Debt collector contact info below : Capital Accounts , LLC XXXX. XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX www.capitalbillpay.com
01/30/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IN 46060	Web
Appeared in court with XXXX XXXX, for an eviction/ending lease. The judgement was ruled at {$980.00} on XX/XX/20. I paid amount in full as soon as I had the money and by the due date on XX/XX/20 and was posted on XX/XX/20. XXXX XXXX proceeded to send my debt to collections agency XXXX XXXX XXXX for {$2100.00}. When notified the collection agency I told them it was paid. They called XXXX whom proceeded to tell them it was not paid, they had the correct amount, and to report delinquency to the credit bureaus. I now have derogatory marks and a false amount on my credit accounts due to this. I called XXXX to settle this dispute and they just responded that they did see I paid. I would like both this erased from my credit all together.
05/15/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 14224	Web
I received a call at XXXX XXXX from XXXX XXXX, identifying themself as Capital Accounts, from Phone number : +XXXX ( XXXX ) XXXX Area code : XXXX City, State : XXXX, New York County/Parish : XXXX Phone Usage : Landline Phone Carrier : XXXX XXXX XXXX XXXX. They provided me information regarding an account that was not even mine ( name of person/company seeking collections ) They did not clarity who they were speaking with. I told them they had the wrong person and then started inquiring about my name and asking me for the phone number of the person they were trying to contact. They then realized their mistake and hung up on me. I called them back and complained.. I am going to report them by report to the Federal Trade Commission
07/02/2019	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	CA 92833	Web
The first letter I received was back in XX/XX/2019 Amount : {$1000.00} I immediately contacted Capital Accounts and worked on making arrangements which I made a payment for {$80.00} soon to realize that it was the wrong Clinic I have never had nor seeked treatment from XXXX XXXX XXXX XXXX XXXX. I had an ankle injury and had treatment at another clinic in XXXX and I never bothered looking into it since I never been to the above mentioned place I assumed it was the clinic where I had treatment for my XXXX. I tried to talk to Capital Accounts, the Reps. Name is XXXX and she is very rude and unethical and I have gotten no were with them and now I have a Medical collection when I had perfect credit, this is so wrong in every way.
05/16/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 902XX	Web
Writing a claim against the collection agency going by CAPITAL ACCOUNTS. Capital Accounts send a collections letter via-mail on XX/XX/XXXX, in which we responded to them on XX/XX/XXXX. I disputed this collection for the following reasons ... This medical bill was issued on ; XXXX, and tried to be collected in XXXX. It has passed 8 years since this medical bill was even issued. This case was due to an accident which involved my medical insurance, and supposed to be billed and paid by them. The collection agency did not honor my legal right, and went straight to hurting my credit. I am looking to take them to court, but I do not see any offices affiliated with them in California. I would like to open a case against them.
08/20/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 93720	Web
A new XXXX bought the practice of my old XXXX. They are claiming that I have a XXXX bill from the previous XXXX from 2008. We have double coverage XXXX insurance and everything was picked up by insurance. We never received a bill from the previous XXXX for the debt they are claiming we owe. They have also sent it to collections and Capital Accounts has reported it to XXXX. This is past the statute of limitations to sue AND to report to XXXX. It is my understanding that a debt (if there was one, which there isn't) older than 7 years cannot be reported to XXXX or any of the others. I feel we are being scammed and bullied into paying something we do not owe. I have attempted to explain this to them two different times.
07/03/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IA 50014	Web
Heard from this company for the very first time today on the phone. They hung up on me 4 times. They claim they sent me 2 notices that I have never received. They refused to send me anything in writing when I requested. Told me I shouldnt make my car payment, rent, or buy groceries to feed my daughter. Took 3 phone calls to get to the supervisor. Supervisor refused to allow me to speak, they also refused to tell me this was an attempt to collect a debt until after they got personal information. They have the wrong name, the wrong address, admitted to sending to wrong address, and wrong amount and wrong last date of payment on the account. They threatened to continue charging me interest and threatened to damage my credit.
06/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80020	Web
30 days ago I submitted a dispute with XXXX concerning capital accounts llc. XXXX forwarded my entire dispute to Capital accounts llc. I explained that they are attempting to collect a debt that was the result of identity theft. I also attached a police report confirming my stolen identity. I also explained that at the time of the incident I was living in California, not in the XXXX XXXX united states, and to travel there for medical services is lunacy. Still Capital accounts llc verified the account but gave no information as to why the account was verified as accurate. When I contacted capital accounts llc and explained that this account was fraudulent, they did not care and asked me to pay for the fraudulent account.
12/19/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 44212	Web
The collection agency contacting me is collecting on a debt that I do not owe and, in actuality, was a separate charge from the services for which they had stated they were collecting. I have paid them in full, less the disputed amount, yet they have reported the debt into my credit record as unpaid. In addition, they have reported to the credit agencies an amount higher than that which even they claim I owe. I believe this to be a deliberate effort to extract maximum damage to my credit score by pushing the amount over the typical {$100.00} threshold many agencies use in scoring and reporting such debt. I have emails and statements to back up this information, which I will provide here if there is a method to do so.
04/28/2018	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	PA 18042	Web
I was contacted by Capitol Accounts stating that they owned the rights to a medical debt not covered by my insurance and that had caused a derogatory mark on my credit report. Having an agreement with the representative to pay the amount in full and in return have the collection removed from my report, I paid the balance. Not only was the derogatory remark not removed as agreed, it still reflects the original balance that was already paid. I contacted capitol accounts via phone to rectify the issue but kept getting place on hold indefinitely, which I believe is intentional. I also tried communicating via mail but to no avail. I do have proof of the payment via my bank statement if they want to challenge this dispute..
05/19/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 21801	Web	Servicemember
I spoke to a representative named XXXX from Capital Accounts in regards to a debt she claims I owe. I was unfamiliar with the debt and asked her to send me the details showing that I owe the debt. My request, on a recorded line, was denied and I was told I would have to contact the company who turned over the bill as it was not her job, and she did not have to send me the info. She told she would report to the three ( 3 ) bureaus if I didn't pay that day. I said I would pay if it was mine, but I need proof of the debt, she again denied my request, in clear violation of Federal Law. At this point, the clear violation, on a recorded line, should be investigated and the company should properly train their employees.
03/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 070XX	Web
I paid in full ahead of having dental work performed and I have a copy of the contract stating I prepaid in full, thousands of dollars and a receipt for the payment. Three years later, out of the blue, XXXX XXXX XXXX sent me a bill for some random services for over a thousand dollars that were not in the original contract. They also tried to double bill my insurance company 3 years after treatment and it was denied. When I refused to pay, they sent me to Capital Accounts for collections. I wrote Capital accounts and told them that no money is due, that I wouldnt be paying a dime and to not contact me again. They constantly call me on my cell and my home number every day and send threatening letters every month.
02/17/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	LA 704XX	Web	Older American
I had XXXX and the XXXX bill for {$99.00} is claimed to be unpaid. I have never received a paper bill from the agency, no calls from the agency, and have paid the doctors group using my Visa Credit Card the complete balance not covered by my insurance. I began getting calls during the summer of XXXX and they continue till today. I have repeatedly told these people to not contact me concerning this outdated account ( XXXX ), but they have harassed me at my place of employment, on my cell phone and my home phone. They said they mailed me letters, but they do not have my mailing address, and my physical address has never been used for any medical record or doctors files as I do not have a mail receptical at my home.
03/02/2017	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NY 11225	Web
I received a notice of collections from Capital Accounts on about XXXX/XXXX/17 for an old medical bill. In that short time between then and noe XXXX/XXXX/17, I 've received phone calls from them looking to collect. I asked them on the 2nd phone call that I plan on disputing the bill and to not call during my work hours any longer. The woman on the phone then took an abusive tone, declared that she 'll note that I refuse to pay the bill and hung up without any further clarification. While, she did n't make any direct threats, she seemed to imply they 'll take legal action against me or to hurt my credit by FALSLY claiming that I refused to pay the bill, even though I still have 30 days to send my written dispute.
09/06/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21224	Web
Upon reviewing my free annual credit report ( through XXXX ), I noticed an incorrect collection from a company named " Capital Accounts '' : Account Name : CAPITAL ACCOUNTS Account Type : Collection Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$70.00} past due as of XX/XX/XXXX. Status Updated : XX/XX/XXXX Balance : {$70.00} Terms : 1 month On Record Until : XX/XX/XXXX Under historical info, the original creditor is listed as " XXXX XXXX XXXX '', giving the following contact info : Address : XXXX XXXX XXXX, XXXX TN XXXX, Phone number ( XXXX ) XXXX. This information is incorrect. I have never used Capital Accounts and have never received any information related to this.
08/03/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 13208	Web
Capital Accounts is in clear breach of the Fair Debt Collection Practices Act ( FDCPA ). I received the first letter of notification about an alleged delinquent account on XX/XX/2020. I filed a timely dispute requesting a debt verification letter within the 30-day frame decreed in FDCPA. The dispute letter was received by Capital Accounts on XX/XX/2020. No investigation has been conducted and no correspondence has been received ever since before the alleged delinquency was reported to the credit bureau of XXXX on XX/XX/2020. Capital Accounts did not investigate the dispute or provide me with verification of the debt required by FDCPA. Their illegal and aggressive practices need to be stopped and rectified.
04/04/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
Capital Accounts at XXXX. XXXX XXXX XXXX, TN, XXXX. Contacted me via email saying I owe them {$140.00} in back interest for mailing out letters that I never received. And that I owe them a total of {$880.00}. I sent a validation letter to them XX/XX/2021. They responded via email with just an invoice no proof or a signed contract. I followed up with a 2nd validation letter asking for sufficient proof on this alleged account such as the original contract/agreement between myself and the original creditor bearing my signature, proof of any interest or fees authorized by the agreement, and once again all I got in return was the same invoice they previously sent. I have never done business with this company.
11/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA XXXXX	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
02/25/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 305XX	Web
On XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX # / added a demography credit Report per XXXX XXXX.Upon research this account was sold/Transferred and I am no longer Responsible for this account. Creditor did not verify this Account. Also there was no form of written communication Or signature for this Debt at all. A bill without a signature does not validate The debt anybody Can send a bill to say is mine. According to FCRA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 2 have violated my rights As a consumer and I am Requesting legal action to have this removed immediately.
12/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32514	Web
XXXX XXXX has reported a {$920.00} bill on my credit that does n't belong to me. It was for a child that is not biologically mine and was not on my insurance. It should be reported on her father and or mothers credit, not mine. I have called both XXXX XXXX and Capital Accounts which is the collection agency it is with and they keep giving me the run around and telling me they ca n't do anything and to call the other one, that they are the only ones that can make changes. I have been trying to get this resolved for 3 years and am tired of it. I am trying to clean up my credit and this is n't helping. If it was my responsibility I would take care of it, but it 's not and I just want it off my credit.
09/15/2017	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	TX 75052	Web
I contacted capital accounts about a medical collection that was on my credit report by an error. I provided statements where it showed the account was at a XXXX balance. I called them back to make sure they had received my documents and to make sure they will delete it off my credit. The agent was not able to help me and transferred me to a supervisor. The supervisor was very rude and condescending. I have never been treated and disrespected like this before. When I asked to speak with someone else he hung up the call. Please review the call and review the tone and language used to speak with me. He needs to be disciplined or terminated. Someone like him should not have any contact with consumers.
11/15/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	UT 84123	Web
On XX/XX/2020 Capital Accounts add a derogatory mark ( Collection/Late payment ) on my credit report per XXXX Credit report. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. In fact, I have never even lived at the address that was sent in collection. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to FCRA, Capital Accounts has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90813	Web
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of The Fair Gredit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ), has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions. 15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of savoral laws under The Fair Credit Reporting Act
04/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85286	Web
I received a letter dated XX/XX/XXXX from a debt company named Capital Accounts stating I owed a debt to XXXX XXXX XXXX based in XXXX, AZ. I went the debt collector website to dispute but the website was not legit and did not do anything when I entered my info and the account number they provided. So, I went to the website for the company and the website http XXXX XXXX led to a vulgar website for XXXX girls . XXXX : XXXX? XXXX XXXX XXXX - XXXX & XXXX Nature Head Office Year established XXXX Activity ( XXXX ) Offices and Clinics of Chiropractors ( XXXX ) See the XXXX classification No employees ( address ) XXXX Employees No employees XXXX Employees Kompass ID? XXXX Company shows as closed.
04/26/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30349	Web
This company has been harassing me since XXXX XXXX . I told them not to call any more. I several more calls but blocked the number. I got a call from a friend of mine they had called her on XXXX XXXX looking for me. On XXXX XXXX I got a call from m y Dad tha t they had called him looking for me. On XXXX XXXX I received a call at my job from them telling me I had to pay it then. I told them they had harrased my friends and family and now calling my work after I told them to stop. On XXXX XXXX I got another call from them at my job. I told them I have told you to quit calling me. The man on the phone said well you have not told me. Seriously. Then he berated me, I hung up.
11/29/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web	Older American
My credit report reflects a charge for something that is not mine. I have tried to call the company involved, they refuse to help even though the socials and birth date do not match. They said I have to get in touch with the collection agency, which I have and they refuse to help me as well. I contact the credit bureau, all three of them and filed a dispute 3 times with experian, have so with XXXX and XXXX? The file remains on my report and again this is NOT mine? For some reason they are refusing to remove what is not mine and ruining my credit. Again in XXXX alone I have disputed this charge with XXXX three times. Called the collection agency. Called the company originally involved.
09/19/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30311	Web
XX/XX/XXXXvia telephone call capital accounts llc, the spokesperson stated that I owed a balance that is not accurate. I informed the spokesperson that I filed a complaint with XXXX stating that the balance due was not accurate and my balance was reduced. therefore I said that I was not going to pay the balance because it was not accurate. The spokesperson used sarcasm stating that this matter should have been addressed back in 2012. I 've been informed him to that 7 years past that date The Collection would fall off my credit report he argued with me and stated that it will not fall off. I then asked him not to call me and he said that he will call me tomorrow and again the next day.
05/27/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 305XX	Web
I found an account that I did n't recognize on my credit report. I have sent multiple letters to capital accounts asking for validation of this debt over the past 7 months. The last letter I sent to capital accounts was on XXXX XXXX, 2016. This letter was sent pursuant of the Section 623 of the Fair Credit Reporting Act. Section 623 of the Fair Credit Reporting Act allows me to dispute information directly with the furnisher of the information. Capital Accounts has failed to respond in a timely manner. I assume that capital accounts has no documentation of this account. I believe this account to be a fraudulent account and capital accounts refuses to respond to any of my letters.
06/17/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 080XX	Web
Please note that the debt with this creditor, Capital Accounts , LLC, has been satisfied. Creditor refuses to update my credit report to reflect {$0.00} balance. Why hasn't this been updated? I received threatening messages from this company and fear of being sued for a debt already satisfied. A possible judgment will damage my credit for at least 7 years. I am afraid in fear of being sued by this company and the potential damage this will do my to credit forever. I need help. Please! This is a medical bill that is no longer relevant in the amount of {$95.00}. This doctor isn't a practicing physician and bill was already paid- being scammed here for bill already paid in full.
08/02/2021	No	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 79907	Web
It is come to my attention that you are sending me a bill for a place called XXXX XXXX for {$420.00}. I do not want to sound harsh that nor do I want to cause friction, but this place never did any services I came in for a consultation and they showed me around and showed me a sample of what they could do. Now comes my legal information for you and as per the FCRA I am going to send this bill back to them and I ask you to cease and desist from billing me. If it continues, I am going to file the state of Texas against both as a medical facility and you for collecting practices. I will not hesitate to write to the State of Texas about this. And to the Federal Government.
03/21/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 93711	Web
I have been disputing this debt for years. This is from a dental bill which my original dentist was part of a preferred provider great. His practice was sold to another dentist and the charges skyrocketed. I asked for a detailed accounting of all charges and payments from the dentist and the collection company and they would never provide it to me. I kept telling them I was being overcharged so I left that dentist. The charges originally were supposedly {$700.00} but I could never get an accounting so I could compare what was paid and allowed by my insurance company. There seems to be no oversight on the collection agency and have reported negatively to all credit agencies.
11/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20772	Web
On my credit report there is an amount of over {$5000.00} from a company XXXX XXXX I believe that the name I cant go back and look now. They have called me numerous times asking me for this money I kept telling them its not me they keep insisting that I owe this money. I have no idea what they are speaking of. I have insurance and they say I went to this doctor. I have a XXXX XXXX and have my own doctors and never go outside of them especially to use a doctor who does not accept my insurance. I have had insurance XXXX most of my life and then I was receiving XXXX so why would I go outside to someone I have to pay completely out of pocket. I cant believe this is happening
04/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32771	Web
In XXXX of XXXX while I was employed by a company which provided me excellent insurance and low copays, I got a dental procedure done to my mouth. I paid the remaining balance that was due after my employer paid the big balance. Then I moved out of the state a few months later. In mid XXXX I received a random call from a debt collector saying I owed a balance of {$240.00} and this will be reported on my credit. I tried to inform the representative that the debt was paid but they were unwilling to hear my story. I even reached out to the dental company who also was very rude to me in stating I did not pay my bill. Now this is a bad stint on my credit that I did not cause.
06/04/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NC 276XX	Web
The debt collector, Capital Accounts XXXX XXXX XXXX, TN is attempting to collect an alleged debt from me. The original creditor is referenced as : XXXX XXXX XXXX of XXXX NC for {$930.00} Acct XXXX On XX/XX/XXXX, I received an email from XXXX XXXX that I have never been a patient at that facility, and they have no medical records for me. XXXX XXXX XXXX has only been in business since XX/XX/XXXX. The debt is being reported having a date of last activity of XX/XX/XXXX. The information reported across the three credit bureaus is fraudulent since I have never been a patient of XXXX XXXX XXXX. I would like this record on all three credit reports deleted.
07/13/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 305XX	Web
This company has been calling every phone number we have for 2+ years and we have told them numerous times to stop calling and that the debt is invalid because it was coded incorrectly at the medical office or the insurance would have paid it. This is a company that bought the debt so they do not care. Every phone call was abusive on the collectors part including yelling, offensive language and threatening us by telling us he will call as much as he feel like calling. We have told them this is disputed and we will not pay. I finally mailed a cease and desist letter " certified '' on XX/XX/XXXX. I have receipt that it was received and they still call.
05/26/2016	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	NY 145XX	Web
My name is XXXX XXXX, I was continually bullied on all calls made to me to collect a debt by Capital Accounts Llc in Tennessee. I was told I was a no it all after i requested a DNC and I was told I could n't speak with a manager. When I told them I filed a complaint with the XXXX I was told I was better than that. The gentlemen continued to bully me. When I filed a complaint with the company I never received a response. I am a debt collector also of a very well profound company and can not believe how I was spoken to. When I told them I planned on retaining an attorney the man " XXXX '' laughed at me and said well we 'll see .. Send that in writing.
02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93309	Web
I disputed inaccurate information furnishing my good name with XXXX & collection agency, I mailed out a dispute letter to the Collection agency & XXXX to ask for Validation of debt. They FAILED to send me Validation of the alleged debt or a form with the original agreement and wet signature from the alleged debt. They sent an itimization which is a breakdown of charges and not consired VALIDATION OF DEBT. I sent the letter on XX/XX/XXXX and on XX/XX/XXXX they sent me a response on the XXXX online portal that everything was Validated. How can this be if they did not provide me with the requested documents mentioned above and in my dispute letter?
09/29/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53589	Web
Multiple times over the last month, Capital Accounts LLC has contacted me regarding a debt. I have asked multiple times to be provided with verification of the debt and they just hang up and call back later in the day or the next day. I have told them to no longer contact me if they wont provide verification of the debt and they hang up. ( XXXX ) XXXX and ( XXXX ) XXXX are the numbers used to contact me. Now when I answer they dont say anything and hang up. I need this to stop since it is getting to be a nuisance since they wont verify the debt or speak when I answer and continue to call when I ask for them to stop for the lack of verification.
06/29/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77066	Web
I applied for a credit card with my social security card on XX/XX/2021. According to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, should be excluded from a consumer credit report. 15 usc 1602 ( I ) states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The credit card that was used was my social security card to obtain money, which is illegal, then reported it to my consumer report.
12/05/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	AL 36109	Web
Company calls my cell phone repeatedly from " spoofed '' numbers from area codes XXXX, XXXX, XXXX, and XXXX ( all Alabama area codes where I live ) and every time I tell them NOT to call me again until I receive something in writing from them showing where all efforts to bill BOTH my insurances in the proper order have been exhausted. They have NOT sent me anything and refuse to quit calling, but tell me every time that they are " making a note on my file to not contact me again. '' The last straw was when they called while I was in intensive care in the hospital and they refused to let me hang up without threatening to take away my XXXX check.
06/07/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 902XX	Web
The complaint is against CAPITAL ACCOUNTS. I received a letter from them about an unpaid bill, and right away I responded with a letter ( will be attached ), and disputed this collection for a couple reasons. I will be disputing this for several reasons, this bill was a malpractice job and I tried taking the doctor to court for malpractice. I doctor did not follow up to collect the money until I received a letter in XXXX, from a collection agency. Not to mention that this debt collection agency is doing unlawful collection, from a bill that was billed in XX/XX/XXXX. This bill by California law is uncollectable, it has been 8 years already.
12/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL XXXXX	Web
the amount is not correct. the original amount balance was {$140.00} my insurance paid I paid out of pocket due to they did cosmetic dental knowing I did not authorized and knowing my insurance would not cover it, this was addressed before I made the appointment. I disputed the bill. We had an agreement of lesser amount, they were to take off {$90.00} off the bill but there balance of {$140.00} minus {$90.00} came up to a balance of {$82.00} the correct balance was {$57.00}, but it was already in collections when we made the agreement. I have it in writing on the agreement. I will pay what was agreed upon the {$57.00} or I wo n't pay none.
04/05/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 11691	Web
I have called Capital Accounts on several occasions to inform them that the amount they have on my credit report is wrong, I asked them 3 times to retrieve the original bill, I spoke with XXXX once and XXXX 2 times. XXXX stated he would send the original bill to me via of email. I never received it I obtained the bill thru my insurance company. so once again I called Capital Accounts to make arrangements to pay he said he could adjust the amount to XXXX, what I actually owe. But when I received the email it still had the enormous amount of XXXX. I have the email and the original bill from my Insurance company stating what I actually owe.
10/02/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	LA 704XX	Web	Older American
Capital Accounts has been hounding me by calling repeatedly from disguised numbers, and through different agencies to make contact with me, after I have told them to never call me again. Today they called my home phone number and discussed my medical bills with my wife and attempted to pressure he to give them a Credit Card number for a debt that I have checked with the Medical Provider and this debt was paid. I have never given them permission to discuss my personal medical records with anyone, and feel this is just another type of harassment. The Bill which they are referring to is from a medical procedure which took place in 2012.
11/18/2016	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	PA 19145	Web
On multiple occasions I was harassed by a representative of Capital Accounts. This debt is related to a medical bill. I told the representatives that I was not aware of owing this money as I have insurance dental coverage that would cover any bills and that this needed to be submitted to my insurance. They told me that the provider is n't required to submit it to insurance, they just do that as a courtesy. That is inaccurate. I requested verification of the debt and they never provided it. They continued to call me while I was at work and use abusive language and still have provided no documentation of the accuracy of the debt.
09/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76034	Web
Capital Accounts sent a collection notice to me on behalf of XXXX XXXX XXXX which was a previous disputed claim - the dental company was negligent and didn't send it to my insurance until after the filing deadline had expired. I paid it anyway on XX/XX/18 in the amount of {$790.00}. I called and talked to them and they said it would be posted and cleared from my credit report in 30-90 days. Now they have posted the collection again ( twice ) on my credit report as {$790.00}. This is a predatory practice. I have the bill showing the collection amount of {$790.00} and a copy of my ACH transaction showing I paid it on XX/XX/18.
03/19/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MA 027XX	Web
I have paid all copays and just rec 'd a bill from a collection agency. I have never rec 'd anything in the mail before on this. I called the Dr offfice and they say it was because visits that are being billed didnt have a referral but I always had a referral and if they told me that I would have gotten XXXX. I have attached proof that my primary care physician did send referrals. I feel as though this is some sort of way for them to bill people almost 5 years later knowing they will pay or it will kill their credit. I am in the XXXX and will be forced to pay something that is not accurate almost 5 years after the services.
01/07/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60490	Web
they called XXXX central time harassing me multiple times and threatening me, I sent a debt validation letter 2 times on XX/XX/21 and XX/XX/21 each time this company [ CAPITAL ACCOUNTS LLC XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.
04/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75254	Web
It was a legitimate medical debt that was referred to a collection company ( after they never sent a single bill but that is another story ). Once we became aware of it, we paid the collector who sent a letter saying once the debt was paid in full it would be expunged from the credit reports. This was early XXXX. They have reported the debt over and over to at least 2 credit bureaus again, as of XX/XX/XXXX, a month after it was paid in full as not paid and they keep adding interest to the closed account. I have sent them numerous emails but they refuse to respond or take any calls. This is clearly a shakedown tactic.
10/12/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DC 20019	Web
Since XX/XX/XXXX I have tried on numerous occasion to have this information removed from my credit report XXXX XXXX XXXX office has reach out to Capital Accounts to have the item removed on several occassions. I have an email that was sent to capitol account requesting that the information be removed and I have a statement from the XXXX XXXX office to attest to the account is XXXX and a email that was sent on XX/XX/XXXX XXXX XXXX. I called capital accounts to request XXXX XXXX XXXX XXXX there knows who he or she is which I don't believe. When asked if they could call the the doctors office I am told no they don do that.
01/16/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60490	Web
they called XXXX XXXX time harassing me multiple times and threatening me, I sent a debt validation letter 2 times on XX/XX/21 and XX/XX/21 each time this company [ CAPITAL ACCOUNTS LLC XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.
01/25/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33541	Web
Have sent a letter and three emails asking for validation of this debt. Asked for signed contract and proof they legally had right to collect debt, along with bill of sale. Have not received any of the aforementioned documentation. The only item that was mailed in response to my request was a two sentence letter advising how much interested has accrued. No proof of the account has been supplied what so ever. Informed company on my third request that I would be reporting them if continued collection efforts without supplying documentation, I received another collection letter yesterday, still no documentation.
03/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35173	Web
Here again - another account that was disputed several times with XXXX and it has not been deleted. I filed a 1692g letter with the collector Capital Accounts and they failed to respond ; furthermore, I called Capital Accounts and I was told the account would be deleted because I do not owe the money. I paid the doctor way before any collections and I never had any contract or association with this company. XXXX has failed to properly investigate this account under FCRA and Capital Accounts has violated the FDPCA and FCRA by reporting a debt I do not owe, and failure to respond to a formal 1692g letter.
09/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 76549	Web	Servicemember
The debt showing on my credit report by XXXX XXXX XXXX and Capital Accounts LLC are the same debt stemming from a XXXX charge that was incorrectly billed. However, the amount has already been submitted to the bankruptcy court and a claim was never filed. We have notified the creditor and they have failed to take off the debt from my credit file, which is hindering my position to obtain employment with an employer. I have also notified them that this debt surpasses the FDCRA law of 7 years and needs to be removed immediately. I was under the care of my mother at the time this debt occurred and was a minor.
08/02/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91406	Web
Please be advised that I am disputing a derogatory account on my credit report, you claim I owe. This account was open fraudulently under my name. I use to work at this XXXX XXXX and they are charging me for a mouth guard I never received. This needs to be removed immediately as this is negatively affecting my credit score. I will not hesitate in bringing legal action against you and your client for the Violation of the Fair Debt Collection Practices Act, FCRA and Defamation of Character. I also requested validation of the debt and I never received anything from the collection agency validating the debt.
01/20/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 337XX	Web
After having my teeth cleaned at an in network dentist, I was billed for services that were supposed to be covered with only a copay. After being billed repeatedly and disputing with insurance company, I finally payed out of pocket after it was sent to collections. Nearly 2 years after settling the debt, I received another bill for the same services. I tried to contact the dental office and learned that they went out of business. I am receiving calls from debt collectors for a debt that has already been payed. I believe they sold a bunch of debt, valid and invalid in order to keep the business afloat.
01/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31405	Web
Capital account have a collection on my credit. I mailed two notarized affidavit on different dates asking for a signed contract between myself and capital accounts No response twice. I made a complaint with the XXXX XXXX XXXX and capital accounts responded stating I DO NOT HAVE A CONTRACT with them nor A Debt with CAPITAL Accounts they stated they are trying to collect money for another company. How can Capital accounts report falsely report I owe them to the credit bureau 's but say I don't owe them.Capital account is reporting inaccurate information under the fair reporting act they can not do this.
05/21/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30039	Web
CAPITAL ACCOUNTS is in violation of the FCRA. Collection agency is reporting old debt as new. Reaging the debt and negatively impacting my credit score. They are in Violation of the FCRA has occurred as this debt is seven years from the time of my first delinquent payment was originally due on the account to the original creditor. Additionally, they have failed to contact me regarding this debit so that I may validate on my own. Account Info Account number XXXX Collection opened XX/XX/2017 Account type Collection Department / Agency / Attorney Their contact information is : XXXX XXXX XXXX XXXX, XXXX
04/01/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NC 284XX	Web
This account has already been settled with my doctor 's office. It was paid in full on XX/XX/2017 directly to my doctor 's office. As of XX/XX/2017, I was still listed with the collections agency, Capital Accounts, as owing a balance. When I called the office administrator at my doctor 's office to address the matter, she said she called Capital Accounts and told them I had settled my account but there was nothing else she could do to get it removed from my credit report. At this point, I 'm not sure what I 'm supposed to do, and now my credit score has dropped significantly because of this situation.
12/04/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
CAPITAL ACCOUNTS violated federal law by not notifying me within ( 5 ) days before they REQUESTED this account to be INSERTED on my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Although this is not a refusal to pay ; however, your noncompliance within the ( 30 ) day time frame is a violation of both the federal and state law according to the disclosure requirements of the Fair Debt Collection Practices Act and the Uniform Commercial Code ; yet, CAPITAL ACCOUNTS fail to meet the legal requirements by law.
03/20/2018	Yes	Debt collection Other 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 Capital Accounts. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas
04/22/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 435XX	Web
1. ) Original creditor ( XXXX XXXX XXXX has been accepting payments ( and payments were made ) prior to debt in collection. I have repeatedly advised Capital Accounts that payments were being made to XXXX XXXX 's office and they were accepting the payments. 2. ) I have paid {$650.00} of the original {$1300.00} 3. ) They keep calling my home after they have been instructed to cease communication. 4. ) They are trying to charge interest, now, when the original debt is for dental procedures, which were NOT financed, and there is no signed agreement for interest with the original creditor.
08/12/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 152XX	Web
The collection agency Capital Accounts sent a bill for a medical debt account. I sent a request letter for the information to be validated and they sent me a copy of the bill from the original creditor which is a dentist. They violated HIPPA by sending a copy of my bill which included my procedures, operations, medications, etc. I did not sign a HIPPA form authorizing the collection agency to access my medical records. Collection on accounts has to cease immediately and the information needs to be removed from my credit reports as well. They are not allowed to collect or report on this.
08/29/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22304	Web
In XX/XX/XXXX XXXX XXXX was listed as a participating provider with XXXX XXXX/XXXX. Each yr. when visiting he office I provided my ins. ID card. As a participating provider I should not have been balanced billed for my visits. After being reported to another collection agency in XX/XX/XXXX I contacted XXXX, explained the situation, and completed a complaint form. I advised XXXX that XXXX XXXX ' office never stated that they did not participate in XXXX as indicated on my ID card. XXXX XXXX ' office has submitted my information to 2 different collection agencies for 2 different amounts.
08/28/2020	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	GA 30342	Web
On XXXX XXXX Capital Accounts LLC add a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and Im no longer responsible for the account Capital Accounts LLC did not verify this collection. Also there was no written form of communication, contact or signature for this accused debt at all. a bill without signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Capital Accounts LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
10/23/2023	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32926	Web
I had a crown put on my wisdom tooth and when the crown was placed it had a hole in it. They were supposed to schedule me to come back and replaced the crown which they never did. Also, they did not tell me that I owed that amount until I was questioning them about the fee that they was charging me concerning another procedure. XXXX the office manager became very rude to me because she was charging me a higher fee than what she was charging my insurance company. Which she waited to provide the information to the insurance company and that is when I was told about the fee that I owed.
07/01/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95843	Web
Medical Debt provided on my credit report is accruing interest, provided by Capital Accounts XXXX is a collection/chargeoff that was reported XX/XX/XXXX. In XX/XX/XXXX the reported balance was {$650.00} and now XX/XX/XXXX the balance is {$720.00} in XX/XX/XXXX. No original contract has been provided to me proving that this debt is mine and stating that this collection can add interest or fees if it is mine. I asked for debt verification multiple times and never received how they verified the debt is mine at all or a contract with my signature proving I owe this debt. Account # XXXX
12/17/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD XXXXX	Web	Servicemember
I was referred to XXXX XXXX XXXX XXXX XXXX for care by my other doctor. Please note this was a workers compensation claim which I am not required to pay any bills the insurance pay all bills. When I received a call from the collection agency Capital Accounts I informed them that the bill was incorrect an I only owe one late fee for a missed appointment. However, Capital Accounts would not allow me to pay anything but the whole amount and sent me information to the credit agencies. I don't owe a medical bill the doctor was paid she sent me to the collection for a missed appointment.
10/03/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11218	Web	Servicemember
On XX/XX/XXXX, I noticed a debt on my credit report being reported by Capital Accounts LLC for a debt of {$600.00} in collections In an attempt to settle this debt I contacted XXXX XXXX, they made me aware that this specific debt has been sold to Capital Accounts LLC. I did not authorize the sell of this account to Capital Accounts LLC.I have not done any business at the address listed with this account nor do I owe Capital Accounts LLC.. I have since mailed via certified mail requesting proof of this debt. As of XX/XX/XXXX, no response has been received from Capital Accounts LLC..
01/31/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30058	Web
Capital Accounts was not able to validate provide me with competent evidence that I'm obligated to pay them or owe them. Capital Account violated my HIPPA rights by providing me with my medical services/ procedures performed including doctors ' name dates medication going back to 2004 without my written permission. wasn't able to provide a copy of my signature from the provide showing my request to release information to them. Capital Account didn't respond within the lowed date after. I request them to validate the debt. Failure to validate the debt by date allowed by law
03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92646	Web
I am writing this complaint to CAPITAL ACCOUNTS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2.
12/02/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 91411	Web
The doctor messed up when billing the insurance, so they never received payment. Once I was notified, I set up a payment schedule and made payments until the debt was fulfilled. Then years later I find out I have a collection our from them for payments that were already made! What worse is since this was so long ago, I do n't have any documentation and they never provided me with recipes to verify my payments. Also, I believe this was done because I had a terrible experience at the office and posted a bad review online, so they " lost '' my payment to file a collection.
08/19/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY 42071	Web	Older American
Capital Accounts , LLC has reported to identical amounts owed to XXXX XXXX ( duplicate entries ) of about {$1700.00} each. I was never billed by the dentist, never received a statement, even though I paid thousands of dollars to the dentist and when I asked for a validation letter from Capital Accounts , LLC months ago, I never received anything. I advised Capital Accounts, that I dispute the amounts and the duplicate entries and that if they did not correct both the debt reporting and elimination of the duplicate entries that I would file this complaint. No response.
07/04/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CO 810XX	Web
I was notified via XXXX that a collection had been placed on my account via Capitol Accounts XXXX of 2022 showing up to me on my credit report XX/XX/2022. I was never notified that I was being sent to collections as this is not a debt that I owe. They placed this charge on my credit report as a collection account and decreased my credit score significantly for a debt that I do not owe. I never received any communications at anytime prior to this via mail, phone, or any other way that I even owed this debt or that it was past due or that it was going into collections.
03/21/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 935XX	Web
On three different occasions I tried asking Capital Accounts for proof I owe this debt. I've asked them to verify and validate the debt they say I owe with a contract that has my signature and they continue to only send me a itemized bill in return. They are being deceptive by claiming I have asked for an itemized bill when they no that's not true. They are also raising the initial debt every other month in interest fees. I asked them to provide any XXXX forms that I signed, treatments I received or anything that might connect me to this debt and they still haven't.
08/29/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	SC 29464	Web
This is a small debt from a dental office that I already paid the dental office for. I mailed a check for the full amount of {$100.00} in a week ago to the dental office and the bill said it wasnt even due until XX/XX/17. They were mailing it to the incorrect address so I wasnt receiving their bills. I have been getting repeated calls every day from Capital, phone number XXXX, for the past 7 days. I told them on the first call that I dont owe money, but they still call. I have tried telling them they have the wrong number, but they still call. They will not stop.
05/03/2021	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	VA 240XX	Web
Ive received several hateful and abusive calls from a collector, when I haven't had any knowledge of this account. They have already taken payments from me but I followed steps on the federal trade commissions page to submit a report for fraudulent debt collectors. I'm concerned because this company doesn't match any company names, or addresses online as the Email they sent me. I think this is a wrongful debt, and they've threatened to take lien of my bank account and sought legal action saying they will find me & they will do what they need to, to get their money.
11/25/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NC 28115	Web
Prior to dental services, I asked the company if they accepted my insurance and they answered " yes they did. '' Services rendered were to be paid in full by the insurance company per my policy coverage. After services were performed, I was sent a bill in the mail for the complete cost of services. When I called the service provider, I was told that " the lady who told me that they accepted my insurance had made a mistake and they in fact did not accept my insurance coverage. '' The provider claimed that " I was to be responsible for the full amount of charges. ''
11/01/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32218	Web
This year during this pandemic ( Covid-19 ), I sent a letter to debt collector regarding this alleged debt, and after 30 days I never received a response, because of that, the item was supposed to be removed from my credit report. This alleged debt is not mine and debt collector doesn't have proof that this debt is mine. A bill is not validation of debt. The validation letter I sent collector will be attached to this complaint. This negative information is affecting my credit report and is stopping me from getting a loan to support my family during this pandemic.
08/14/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 373XX	Web
I was contacted on XX/XX/XXXX concerning a medical bill by Capitol Accounts. I sent the company a certified letter on XX/XX/XXXX to the address they provided via email to dispute this bill. I also responded via email on XX/XX/XXXX stating I would be disputing pending verification and that I would follow up with a certified letter. I have not received a confirmation that they have received my letter. Now they have put it on my credit report without providing me with any proof of this bill and my liability. This is illegal since I disputed within the 30 day period
01/08/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	GA 31705	Web
This company continues to contact me at work after I have indicated that I should not be contacted at work. I requested all contact be in writing but they continue to call. At first it was a male calling me and I informed him I would contact the doctor 's office and he told me people like me was causing this doctor to almost have to close his doors because we refuse to pay our bills. Again I told him I would call the doctor and he said the doctor 's office did not want to talk to me. This is ridiculous considering I do n't owe this company anything.
08/25/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NY 129XX	Web
After moving from a house that I was renting I received a collections notice in the amount of {$4700.00} from Capital Accounts. When asking them what the amount was pertaining to they stated it was from XXXX XXXX XXXX whom we rented from. I do not owe XXXX property management any debt nor this company. Upon viewing my rights I sent Capital Accounts a certified letter to dispute the debt, Capital accounts did not validate the debt. They did not send any documentation proofing the amount they claimed I owed instead they placed the account in collections.
08/09/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84121	Web
Capital Accounts is reporting an erroneous debt on my credit file. This debt is not only past the statute of limitations and past the credit reporting limit but also PAID. I have included a screenshot of receive payment for the debt they are reporting. Even if this debt was not paid the receipt has the date for the last received payment, being that it is from 2010 this account should have never been reported to my credit file. I have perfect credit and this collection dropped my scores significantly. I need this debt removed from my credit file ASAP.
10/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 324XX	Web
I believe the account is invalid. CAPITAL ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CAPITAL ACCOUNTS XXXX
09/07/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75098	Web
Capital Accounts has been trying to collect a debt from XXXX XXXX whom I never been too. I could only assume XXXX XXXX bought out my XXXX XXXX XXXX XXXX. In XX/XX/XXXX I went to XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. They had difficulty matching the color after 3 trys they asked me to drive downtown to the XXXX XXXX in turn they offered a discount leaving my bill to {$390.00} which was paid via XXXX XXXX XX/XX/XXXX2011. I 've explained this to Capital Accounts numerous times. In the period they 've had this the balance owed has increased 3 times.
09/07/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 29605	Web
XX/XX/2017 AROUND XXXX XXXX est. Called spoke w a XXXX after seeing item on my XXXX XXXX which is not mine bill- has been previous disputed these charge amounts before. XXXX refused to allow me to dispute stated the time has came and gone to do that and its in collections now. I told him to Cease and Desist account- he refused to do this as wel.. kept saying send it in writing ... on everything i stated. very rude. felt threatened, and that it did not matter what i had to say, asked for supervisor said I could call back no one was above him.
09/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 934XX	Web
This is a repeat issue - CFPB complaint # XXXX Original issue : Multiple times I have electronically disputed a debt with CAPITAL ACCOUNTS regarding An account they clam to be " Account XXXX '' The most recent attempts were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The last two I took the step of uploading the credit card statement where I payed the Dentist they represent in person. Yet they have not removed or ask for any more info ( Don't know what the info would be since the Dr 's name is listed and it is the amount owed + some late fees )
09/30/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80234	Web
Received a " Satisfy in Full Offer '' letter in the mail from Capital Accounts , LLC, on XX/XX/2022 letter dated XX/XX/2022, on behalf of XXXX XXXX XXXX XXXX XXXX for a total sum of {$9900.00}, satisfy in full price of {$5900.00}. There is no other information on this letter. There is no other information on this letter. No mention of what services or goods this is in regard to, or when it was turned over to collections. I have checked my credit ratings I do not show any outstanding debt to this company. I have never used their services.
02/17/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28213	Web
On XX/XX/2018, I applied for a mortgage loan and was informed there was a {$2100.00} collection dept on my credit report at which time, I pulled my own credit report and saw the amount was being reported by Capital Accounts. Later, on XX/XX/2018, I disputed the amount in collections and the Collection agency as I had not received any letter or contact from them regarding the debt. The disputes were made online with all three credit bureas : XXXX, XXXX, and XXXX. I asked that the debt balance be removed and/or shown as a charge off.
03/26/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95608	Web
In XX/XX/XXXX, I noticed my XXXX credit score had dropped. After running my credit report, I found a collection was placed on there for {$180.00} from XX/XX/XXXX. I had seen this XXXX in XX/XX/XXXX, but had prepaid for my procedure. I was never contacted by them about an additional amount due. I have also never been contacted by the collection agency about the collection placed on my credit report. My address has stayed the same since the collection was placed and my phone number has never changed. I do not believe this debt is mine.
05/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 24141	Web
Capital Accounts attempted to collect a debt. I did not owe the debt and asked for more information. I received a letter from them on XX/XX/18 confirming that the account was cancelled and has been removed from three national credit bureaus. I received another call about the same debt on XX/XX/18 and told them the account has been cancelled. I faxed over the letter that they sent me stating that the account was cancelled. I asked for a response in writing, which I did not receive. They called again today trying to collect the debt.
07/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32780	Web	Servicemember
I had XXXX on XX/XX/2018 and it took a year for the claim to be paid. Somehow this went to Capital Accounts LLC. They have continually lied to me falsely reporting to my credit report to include made up numbers. Spoke with Original Creditor and they emailed me stating they told the account representative at Capital Accounts, XXXX XXXX, to remove this account from collections. They still refuse to stating now I owe a different amount now. Will pursue a lawsuit next if this doesnt get fixed within two weeks. This is absurd!!
06/07/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web
Capital accounts is reporting that I owe {$500.00} for a XXXX XXXX. I had to XXXX the Dr. to find where she works. Found out she was one of the Dr. 's who is on call with XXXX XXXX XXXX. I spoke to XXXX at XXXX XXXX XXXX 's billing department on XXXX XXXX 2017 at XXXX XXXX pacific time. She informed me I do not owe the hospital anything and that nothing was sent out to any collection agencies. I informed her about this account and she stated the insurance covered it. Again informing there is no outstanding balances at all.
08/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30236	Web
XXXX XXXX XXXX XXXX XXXX Is attempting to collect on a debt I do not owe. This debt has been paid. Also, I did not receive any notifications about this debt, no phone calls, and no letters. I only knew about this debt because I checked my credit. This is a violation of my 30 day right to dispute per the FCRA. As soon as I found out about this debt, I called and paid. This account needs to be removed off of my credit file for " 30 day right to dispute '' Violation. This was a medical debt and also violating HIPPA Policies.
01/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 30114	Web
Contacted me XXXX XXXX attempting to collect a garbage bill that was 3 years old that I had no idea I owed. Their amount was the wrong amount and I disputed it. They sent an updated invoice in XXXX and called in XXXX. I paid the amount on their bill at which point they notified me that they placed this on my credit report. The operator was beyond rude and would not let me verify that the information he was reading to me was incorrect. I will be suing this company for defamation as I paid for a debt that was not valid.
09/03/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75077	Web
Capital Accounts , LLC has been unable to verify the debt. I am provided the name of a vendor, but no detail as to any services. I do not know the vendor for whom they are attempting to collect the debt and when I XXXX the name there is no phone number or website. I am requesting validation of the debt or removal from my credit from the XXXX major reporting agencies. I have requested this via phone call and e-mail ( attached ) yet they continue to attempt to collect the debt without any proof that the debt is valid.
02/09/2021	No	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	NY 11433	Web
On XX/XX/XXXX I filed and submitted a FTC report to XXXX Credit Reporting Agency regarding creditor : XXXX XXXX XXXX XXXX that appeared on my credit report. They have failed to adhere to the Fair Credit Report Act. By not removing this creditor. The initial dispute regarding this creditor began in XXXX of XXXX. This is my second complaint even with the CPFB. Please Help. This has been completely Unfair to me and my family. P.S I have intention on filing legal proceedings against XXXX and XXXX XXXXXXXX XXXX XXXX.
09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 482XX	Web
XXXX XXXX shows up on my credit. I never did business with this company. Their business information is inaccurate. The number on my credit report shows for a Business by the name of XXXX XXXX XXXX on XXXX. And on the company name.doesnt match on the website they have or their XXXX account. The number they provided belongs to a man by the name of XXXX XXXX. All of this information is on XXXX. I would like this removed. It is ruining my reputation. I am not irresponsible person. Some places are complete scams.
11/12/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93309	Web
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. CAPITAL ACCOUNTS is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
09/21/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 80020	Web
1 ) first call where I requested no contact XX/XX/XXXX XXXX XXXX XXXX ) second call after I requested no contact XX/XX/XXXX XXXX XXXX XXXX ) third call after I requested no contact XX/XX/XXXX XXXX XXXX XXXX ) fourth call after I requested no contact XX/XX/XXXX XXXX XXXX XXXX ) fifth call after I requested no contact XX/XX/XXXX XXXXXXXX XXXX XXXX ) sixth call after I requested no contact XX/XX/XXXX XXXX XXXX XXXX ) seventh call after I requested no contact XX/XX/XXXX XXXXXXXX XXXX This is fully harassment.
01/31/2022	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95823	Web
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CAPITAL ACCOUNTS XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. CAPITAL ACCOUNTS XXXX
08/15/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TN 37918	Web
I was paying on the account prior to it being turned over for collections. I feel this is a negative remark on my correct and I ask them to validate the debt with signed documentation and the indebtness of my signed agreement with the creditor. I feel because I was never given a written response under the FDCPA that my rights as a citizen has been violated under the FDCPA. Please produce sign doctuments and debt charged or have the account terminated which is barring on my household and affecting my credit.
04/27/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 329XX	Web
Capital Accounts LLC : Repeated Phone Calls since XX/XX/2018, {$3200.00}. Called spouse and provided all details about the debt. Falsely reported information to XXXX, told to speak with the originator of the funds. Lied to spouse that interest is accruing. Calling cellphones with an automatic dialer, no message being left. Calling in the middle of the day when working or sleeping for work that night. Calling from different numbers every day. Reported to XXXX and XXXX, never provided social security number.
11/04/2019	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	FL 349XX	Web
This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
02/21/2022	No	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	KS 66104	Web
Capital Accounts call and portray to be a law firm and have matters in their office for me. they have also called two family members and left voicemail about a a debt for my self. I have dispute this item on several occasions with the credit bureau, I have sent written letters to have this taken off my credit asking to provide validation of this debt there are trying to collect but will not provide mw with the information. They harass me regarding an account that they will not provide me information on.
06/12/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33162	Web
I do not recognize this medical debt. I have asked the collection company numerous times to validate XXXX XXXX. Not once have a received a response from CAPITAL ACCOUNTS LLC. They are also illegally charging interest on this not validated or verified account. Last year XX/XX/2020 the collection showed a balance of XXXX}, now a year later it shows XXXX}. The credit bureaus are also of no help, I dont know where else to seek help. This is my last attempt to get answers before I seek legal help. Thank you.
02/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75052	Web
I tried to make a payment on line the agent told me I had till the XXXX of the month. On the XXXX received a letter telling me I needed to move out. I went to their corporate office to speak with a manager. He explained that it was a misunderstanding that I could leave the payment there in the office with the receptionist. Went to the bank got a cashiers check returned to the office left it with the receptionist. They later said it was not paid but it was paid to the lady in reception as he had asked.
03/09/2016	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	KY 403XX	Web	Servicemember
Capital Accounts has called me twice now after being told that I do not respond to telephone calls on any business matter. I learned today that the same organization called my wife at her place of employment three times in the same day asking questions about me, discussing the alleged debt with her and attempting to get my telephone number. Today they called me again. I want this harassing communication to stop. I do n't owe them any money and have no business relationship with Capital Accounts.
10/05/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30078	Web
On XXXX/XXXX/XXXX I sent a letter Certified mail # ( XXXX XXXX XXXX XXXX XXXX ) to Capital Accounts LLC for valdidation of debt and HIPPA authorization. I requested that Capital Accounts 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. Capital Accounts have not complied to this request.
07/20/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 94568	Web
I have a collection account from XX/XX/XXXX with Capital Accounts. It is a medical debt that was under XXXX . Now as of XX/XX/XXXX, they re-reported it so it dinged my credit again and they raised it to over {$500.00} so I cant take it off my credit. It is a medical debt and anything under {$500.00} is removed. It is very unethical. They should remove the new credit reporting since it is 4 years old, NOT a new debt and it was under {$500.00} for medical and should be removed from my credit.
09/07/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 357XX	Web
They received my first certified letter disputing the {$1500.00} bill on XX/XX/18 where I requested anything bearing my signature, approximately 30 days later I received photo copies of bills none bearing my signature.On XX/XX/18 they received my second certified letter again requesting anything bearing my signature. Today I got a credit alert showing my collections going up because interest was added on XX/XX/18 causing my score to plummet 56 points and the debt still hasnt been verified.
08/01/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 91335	Web
The original bill was {$930.00} from XXXX XXXX group. I paid {$500.00} to XXXX XXXX group then paid {$100.00} then they sent me to collection and charge me {$240.00} collection agency fee. Then I paid XXXX XXXX group {$160.00} that is when I found out I was in collection and they also charge me this collection agency fee. I contacted the collection agency and submitted all my records and the still refuse to listen. I called again to try and settle and have them adjust the fee they refused
04/05/2022	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KY 400XX	Web
I left the XXXX apartments in XX/XX/2017 owing nothing! And along comes this collection for {$270.00} from Capital Accounts. So I ask for an itemized breakdown of all charges & fees that total {$270.00} and a copy of the original lease agreement I signed. All I receive is a boiler plate letter with the amount {$270.00} no breakdown or lease agreement! I have disputed this several times through the credit bureaus, asking for an investigation, but it is always validated with no proof.
07/10/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 10029	Web
Hello I tried several times to clear up this debt. I called many times to the credit bureau and I keep getting a runaround, I reached the collection agency and they refused to remove this from my credit report, This should be illegal I am not responsible for this debt. The company sent a letter stating I'm not responsible. I have a court order that my ex is responsible for the debt. Please see the letter and court order. This collection agency is crook, they have several bad ratings.
07/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78260	Web
Capital Accounts is reporting {$2800.00} as a collection account due to a charge off from XXXX XXXX. I have been paying $ XXXX/monthly to this Dr office and was not told until last week that they are a separate entity. One that is not on my provider list for insurance. I have not received a bill so assuming the {$100.00} was taking care of any outstanding balance due. I should not be held liable for this as a collection item and would like it removed from the 3 credit bureau agencies.
05/12/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 78249	Web
I 've repeatedly asked to have a letter sent showing the debt and the resolution me disputing the item. I have gotten neither. Per the prom note I signed I paid the debt before it went to collections. I have never got a response to my is puts leading me to believe they have never placed one and have not asked for the prom notes and checks I paid them with. One top of the they are rude and refuse to give u a Mgr when u ask for one, but will xfer somewhere where the phone keeps ringing.
01/14/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 336XX	Web
I submitted compaint ID XXXX on XX/XX/2019. The company responded back on XX/XX/2019 with an itemized statement with my personal protected information and I believe they are in violation of HIPPA laws. I never authorized them to have my personal information nor access to any medical procedures that were done to me. They stated I owed them {$2500.00} initially, then {$1200.00}, then, {$1100.00}, then {$1100.00} and now my credit report says I owe XXXX. I am demanding this be removed.
02/08/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NY 11412	Web
XXXX office quoted and agreed to one price for services then charged another for services provided becuase " they did n't know '' that the health care insurance provider was n't going to cover all the cost. Refused to adjust pricing and send to collections without first contacting customer about " change '' in the cost of service or adjusting pricing to reflect what was agreed upon. Provider send debt to collections and now refuses to remove delinquency from credit beaureu agencies.
06/16/2015	No	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	NY 11101	Web
I received a call from XXXX saying I owe money on a bail bond. I told him I have n't taken out any bail bonds. He gave me an address ( it was wrong ). He then asked me for my birthdate. I said I would n't provide. He made some snide comment about sending me a birthday card and then told me I 'm not cooperating and hung up. I 've tried to call back but no XXXX answers. I do n't know if this was scam or not, and I ca n't get anymore information since they wo n't pick up the phone.
09/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	IN 46544	Web
My spouse was employed by XXXX XXXX XXXX. While she was employed with them the owner XXXX told us we could get XXXX work done and we only had to pay for the lab work. I got XXXX XXXX XXXX and paid what they told me I had to pay, which was {$190.00}. Everything was ok, until my wife was fired and XXXX went by back and charged me another {$590.00} and then sent it to a collection agency which then put it on my credit report. This is very unacceptable from any dentist or doctor.
09/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85268	Web
XX/XX/22 - Received email from XXXX from XXXX XXXX XXXX XXXX XXXX XXXX saying I had a debt of {$7900.00}. I responded with a request for documentation XX/XX/22 - Second email from XXXX from XXXX XXXX XXXX XXXX XXXX XXXX saying I had a deb of {$0.00} XX/XX/22 - Received letter in the mail from Capital Accounts LLC saying I had a debt of {$7900.00} from XXXX XXXX Supplies Around XX/XX/22 Called Capital Accounts and asked for proof of the debt. They would not provide details.
10/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 324XX	Web
I would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. CAPITAL XXXX XXXX.
03/03/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 15642	Web
Capital Accounts continues to harrass me regarding a bill I do not owe. I have never went to XXXX XXXX office in my life. They provided me with a bill from 2016 which shows me nothing but my new address of the home I literally just purchased, I did not live in PA in 2016. The bill they sent just have the date of service and my NEW ADDRESS. This is crazy how they are trying to use this to validate the debt. They need to remove this negativity reporting from my credit file.
11/18/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 305XX	Web
Capital Accounts placed a collection on my credit reports for a debt I have never received a bill for and for a company I have never done business with. They contacted me by mail only after I disputed the collection with the credit bureaus. I have no knowledge of the debt. I have received anything prior to this and I have not done business with the company. I don't know how they can just place a collection on my credit reports without ever notifying me before doing so.
04/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30058	Web
Company is still reporting to XXXX, XXXX, and XXXX of a debt that was included in bankruptcy chapter XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
09/16/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 19134	Web
Capital Accounts LLC placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Capital Accounts LLC to remove incorrect information off my credit report. More importantly, Capital Accounts LLC are in violation of FACTA section 623 ( A ) ( 7 ).
03/03/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 95121	Web
I received a call from this debt collector and was told I owed a person money. I requested they send proof. I received something Word document. I dont ever recall owing this individual anything. They can not produce proof but a piece of paper with my name and someone elses signature. They cant even verify my social security number. I now have a collection on my credit report from this company. I need help to clear this as it has a negative impact on my score.
08/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28217	Web
Capital Accounts , LLC in XXXX TN I contacted them twice in XX/XX/2020 and in XX/XX/2020 about a medical debt from XXXX XXXX. I spoke with two different agents gave them my information and they both verified that It is not a debt account with them in my name for {$390.00}. I have disputed this with XXXX and XXXX 3 times. I need to get this removed off my credit report especially when it was verified by the collection agency no account showing in my name.
11/22/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30213	Web
I sent out a Creditors Verification Letter accordingly to the Fair Debt Collection Practice Act. The company was not able to verify the debt belongs to me after I sent out the letter I never got a response within the thirty day time frame ( 30 ). I am providing you a copy of my Creditors Validation Letter and the USPS Mailing information with the dates. You will be able to see that it was delivered on the XXXX XXXX, 2016 and I never heard from them since.
10/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	SC 299XX	Web
Collection information sent to the creditor showing that the debt was paid in full, they refuse to notify XXXX of the XXXX agencies even though it was removed and shows paid in full through XXXX. Spoke to XXXX different people, all with the last name of XXXX ... XXXX, XXXX XXXX XXXX XXXX. They said I have to pay them even though I have no debt with XXXX XXXX and they have to be paid and refused to contact XXXX XXXX to verify that the debt does not exist.
01/06/2022	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MO XXXXX	Web
I spoke with this company on XX/XX/21 about my debt and paid in full, as a result they agreed to expunge it from my credit report. Instead my credit report was updated with their name removed and it states that the balance is still unpaid. This was very deceptive. It has been almost 60 days since I have paid the balance in full. I contacted the company and was not pleased with their response stating it is outside of their control once they send it off.
06/06/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	PA 19148	Web
After explaining to the Dr office that I never attended their office in 2015, I have received repeated calls from Capital accounts,,, I have been threatened, Cursed at and told I would be sued, I received calls over 5 times day at times Some names include XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX just to name a few I have told then I dispute this account Based on I never went in 2015 ... .They have falsified insurance dates and this is a case of fruad
07/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63139	Web
I'm being harrassed by companies that I do not have any contract with, nor are the accounts belong to me. I've experienced emotional distress fighting to gain my true identity back. These companies has been asked to submit a certified physical documentation of their Method of Verification but has failed to do so, therefore I'm demanding that these accounts are blocked from my credit files immediately. 1 ] Capacctll {$940.00} 2 ] XXXX XXXX {$1000.00}
04/10/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60707	Web
Capital Accounts XXXX XXXX XXXX Account number # XXXX. I have never had an account with this company. It is fraudulent. It is not mine. I am a victim of identity theft and someone used my information. I have filed a report with The Federal trade and a police report. They call me constantly and I told them it is not mine it is fraud and needs to be removed from my social security and my credit file. The amount is {$570.00}. It was opened XX/XX/2020.
06/06/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 75212	Web
XXXX calls 2 to 5 times day both myself and my wife, and uses false pretenses for call, tries to hide intent by using false caller id tags such as XXXX. The debt is a medical bill from XXXX XXXX XXXX that was sent more than 15 months after procedure and was only contacted by medical service once. Service was received XX/XX/2021 and paid XXXX at time of Service was then billed XXXX on XXXX despite being told we would owe nothing more out of pocket
06/17/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33418	Web
After notification of a collection debt on my records, I sent debt Validation letters to Capital Accounts 3 times. I sent one through email XX/XX/2022 and two certified mail on XX/XX/2022 and XX/XX/2022. Each time Capital accounts has failed to validate my debt. Instead, they sent a list of my medical records which I know is in direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information.
07/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 303XX	Web
On XX/XX/2020 I contacted the capital accounts llc company as it Related to negative Mark on my XXXX profile. Spoke to representative who advised me of balance and once paid, that on XX/XX/2020, it will be removed from its repository deleting it from my XXXX account. The debt amount of {$350.00} was paid in full. The representative was advised to send letter on company letter head as well. The negative entry still reflects on my credit profile.
06/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA XXXXX	Web
The Capital Account was sent to collections in 2016 and is a medical debt that is in dispute. This account continues to renew monthly and is affecting my credit score negatively. The amount is inaccurate. This account should not continue to renew after it's been sent to collections especially when it's a medical dispute for an auto accident. Please remove from XXXX. it has been removed from the other two credit bureau yet still remains in XXXX.
04/18/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 349XX	Web	Servicemember
This is to inform you that on XX/XX/ 2017 I contacted the collection agency to have them validate the alledge debt till this day I have not received a response, the harrassing phone calls has stopped, the amount that is being reported on my credit report is wrong, it keeps going up and up every month, I would like for them to delete this account from my reports for they failed to provide me with any information pertaining to this alledge debt.
08/21/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29016	Web	Servicemember
This account has been placed illegally in my XXXX XXXX and XXXX credit reports. This company does not even have valid proof that this was me that this account belongs to and can not provide my ssn at all. My id was stolen years ago and that is not even my address that they have on file. I will be consulting my consumer attorney because they are violating my rights according to the Fcra and FTC. This is also harassment and discrimination.
12/03/2021	No	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30038	Web
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
10/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34953	Web
This debt collector Capital Accounts LLC contacted me on XX/XX/2022 by mail for medical bill of XXXX. However, I never visited this urgent care and I contacted the debt collector to mail me the original debt, they never sent me the original debt. Instead, they hung up on XX/XX/2022 when I contacted them. They keep asking for my other information instead. The Debt Collector Address is Capital Accounts LLC XXXX XXXX XXXX XXXX, TN XXXX
02/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 21113	Web
Capital Accounts - XXXX XXXX XXXX, XXXX TN XXXX Account # XXXX XXXX XXXX XXXX. I have informed the above collection agency from day one that they called me that, I did not owe the above the said money, without checking or verifying information from their clients they report the inaccurate information to the credit bureaus. Their action has caused an irrefutable harm to my credit score and diminished my ability to refinance my mortgage.
11/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 20169	Web	Servicemember
XXXX XXXX placed my XXXX for collection with a debt collector. There was no bill sent to me the parent and person listed as payee on insurance form/card. Ive contacted the debt collector company to have them update/remove the collection from my daughters credit file because that is illegal. I was told that I can pay to have it removed from her credit files. The debt is valid and I will pay once it is taken out of my minor childs name.
06/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30331	Web
This company is reporting 1 item to my credit that are not mine. This must be a result of fraudulent use of my name. I have tried to work and explain that to them and they continue to report on my credit a clear violation of FCRA and violation of FDCPA for attempting to collect on a debt that is not mine. I only have the last four of each account. I only have XXXX as an identification number the account they are passing as mine.
12/05/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 95991	Web
Capitol Accounts LLC repeatedly calls about a disputed debt even after I asked them to stop calling. They have called 4 times in the past 2 days, each time I have told them the account is in dispute, please stop calling. The representative states they will not stop calling until I submit a Cease and Desist letter but refuses to give me an address to send it to. They call multiple times in a day from multiple different numbers.
04/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38125	Web	Servicemember
There are items in collections on my credit report that I have no knowledge of and did not authorize under any circumstance. I have already disputed these with all XXXX credit bureau 's ( XXXX, XXXX, XXXX ) in which nothing has been done. The collection items are from XXXX XXXX XXXX XXXX for the amount of {$660.00}, and XXXX XXXX for the amount of {$900.00}. I have never had either one of these accounts. This is fraudulent.
04/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 20155	Web	Servicemember
CAPITAL ACCOUNTS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX This company is reporting to all three credit bureaus that I owe {$520.00}. However this company is in violation of Hippa Act of 1996. I did not give them authorization of my information. I never signed a HIPAA form to authorize them to have access to the information. They need to immediately delete this item from your report and stop all attempts to collect.
05/01/2022	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	UT 843XX	Web
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also States a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
12/09/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75189	Web
In XX/XX/18 company opened a collection account. XXXX {$600.00} that I owe I have never signed any written document saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer I do not know who they are and have not written consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all credit bureaus. XXXX XXXX
03/17/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48307	Web
I had a dental procedure done from XXXX XXXX XXXX of XXXX Michigan in 2020. I asked the cost before service, paid the amount at time of service. Was then told a month later that they made a billing error and I was responsible for the added cost. This is a classic example of what is wrong with our medical industry. Imagine buying a car and then the dealership telling you a month later it was the wrong price and you owe more.
12/07/2020	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NC 27587	Web
For some reason, Capital Accounts continues to report to the credit bureaus, that I have an outstanding balance of {$210.00} owed to XXXX XXXX XXXX. However, this bill has been paid since last XXXX, and I am attaching a letter from this collection agency to confirm it. I have been contesting this account with the credit bureaus for months now, but Capital Accounts refuse to report accurate information about this account.
07/23/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 20874	Web	Older American
The collection agency has received information from a dentist regarding an outstanding debt which does not belong to me.The collection agency was notified by me through an email, that the debt instead is owed by my son.Their response was the debt will be reduced, however, it does not address the fact that the debt is not mine and I did not cosign anything.The dentist office says its in the hands of the collection agency.
03/22/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63033	Web	Servicemember
I had a medical debt that was transferred to Capital Accounts LLC, I paid the account in full on XX/XX/2017 but it still shows on my credit report that a balance is owed. I have called 3 times and every time I call they tell me they will get my information sent over to the credit bureau. Each time that I call the representatives are very rude. I just want this removed from my credit like they assured me it would be.
09/13/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	PA 18062	Web
I was a XXXX time patient at the XXXX XXXX XXXX. When speaking to XXXX, he advised me to come in and for a free XXXX and would bill my insurance and wave the copay. I now have a mark on my credit report showing I have a debt in the amount of {$130.00}. I would like for this to be removed immediately whereas I never authorized this charge and never signed an agreement nor medical release form for billing or services.
12/10/2020	No	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	IL 60153	Web
I put in a dispute of the incorrect items placed on my file to be reviewed. The Bureau stated it was verified in XXXX. In XXXX I requested validation information on the verified information. The Bureau stated it was verified again. I did not receive any contracts bearing my signature, contact information of the parties that the company spoke with, or a method of their verification. This is a violation of my rights.
09/29/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 31312	Web
Lease was up on XX/XX/2020. Security deposit of {$520.00} withheld. They had repairs of {$340.00}. I should get a check of {$170.00}. Instead they say I owe an additional month of rent, 40 % late fee and half of security deposit was non refundable therefore does not go to the {$1000.00} balance they claim I owe them. It is in collections and effects my credit score. I moved out before XX/XX/2020. And have proof.
11/11/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32405	Web
On XX/XX/2014 account was opened. I went to the dentist but used my insurance which everything should had got paid for. I got a derogatory remark on XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my reports.
08/29/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 11368	Web
I called the collection companies and told them that I had not received any written debt notice. They said to contact the medical office. Then I contacted the medical office and they said to contact debt collection companies. They are not cooperative at all. Nobody knows what to say. The medical office says to contact the debt collection office and the debt collection company says to contact the medical office.
03/10/2020	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23324	Web
I checked my credit and saw this collection agency listed on my credit report. I sent this collection agency 3 letters to validate/verify the debt and each request was ignored but they continue to report to the credit agencies. I also disputed the debt with the credit agencies but the collection agency advised the credit agencies the debt was valid, but without responding my letters and providing any proof
01/19/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30349	Web
I have contact this collection agency for over month now requesting supporting documents that they accused saying i owe them and their response are that they do not have any information to provide to me and according to Federal law this merchant to ensure this item actually belong to me and this item they reporting to credit bureau are misleading, inaccurate and incomplete and i feel they have violated law
08/01/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60647	Web
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Capital Accounts , LLC 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).
09/29/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MI 48603	Web
I have a company attempting to collect a debt they say was assigned to them. The company is not licensed to collect in my state. I never signed any documents allowing assignment of debt. I never signed any documents acknowledging right for them to charge interest on the debt. They failed to provide validation of debt, including license to act as collector, charge interest, or proof of assignment of debt.
10/18/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IA 507XX	Web
HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH CAPITAL ACCOUNTS. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
01/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 483XX	Web
I received a letter from Capital Accounts on XX/XX/XXXX about a debt that is not mine. I called them and instead of then investigating it, the woman called me a liar and started harassing me. I have not had services from XXXX XXXX this is not my debt or account, I have not been seen by that office since XXXX and theyre claiming its for services rendered in XXXX. I want it removed ASAP, this isnt mine.
03/31/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NY 145XX	Web	Servicemember
I had work done by my XXXX that was not covered by insurance. After 120 days, they turned my account over to a collection agency. On three separate occasions, the collection agency has called me at work, each time being told that my employer does not allow personal calls. On the third call, the operator became belligerent with me when I refused to give my checking account/debit card information.
07/28/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	AL 35216	Web
Repeated calls from different numbers. The caller i.d . will show local retail store numbers and or local business numbers. I informed the collector I will contact the original creditor because this debt was from my ex husband insurance.caller then stated the original debtor could not talk to me because the account was theirs now. I have disputed the information from my credit bureau as well.
06/07/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29341	Web
XXXX sent a certified debt verification letter to : Capital Accounts XXXX XXXX XXXX XXXX TN It was received XXXX. They removed this collection when the debt verification letter was received y them but after the 30 days was up they placed it back in collection. It is XXXX and I still have not received any response from them requesting verification. They are continuing to attempt to collect.
04/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75104	Web
Hello, I have received several calls attempting to collect a debt for someone who does not live in my house or at my number. I have had this number for several years and I have asked Capital Accounts to stop calling and the person does not live at my address and this is not their number. They continue to call. One gentleman insisted he spoke to this person at my number which is incorrect.
09/14/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 37209	Web
I have been receiving phone calls about a Debt that is owed to a Medical office out of XXXX Texas and I live in XXXX TN. I have never been to XXXX and I have never used this company 's services. I asked them to send me a bill in which they did.for {$5400.00}. I called the office and asked for the address to the Doctors office. That is when I found out that this is a Fraudulent company.
09/23/2020	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29229	Web
I have disputed the account on numerous occasions and it always come back verified so I asked the company to send me verification including a copy of my signature and I haven't received anything. By law this account is to be deleted if there's no verification. Capital Accts # XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XX/XX/2016 date first reported XXXX reported amount
02/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 725XX	Web	Older American
I recently checked my credit report to find that this company, Capitol Accounts LLC, had placed a collections on my report in the amount of {$350.00} for a creditor named XXXX XXXX. I have no knowledge of this debt that shows it was opened on XX/XX/2018. Nor do I have any knowledge of a company called XXXX XXXX, The only thing I could find on XXXX XXXX XXXX was a law firm in XXXX.
07/25/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23320	Web
On XX/XX/2018 I request the company to validate this account is mines by providing me a breakdown of fees including any collection costs and medical charges and provide copy of my signature/e-signature with the provider of service to release my medical information. On XX/XX/2018 the company sent back a letter with account balance but didn't not validate this alleged debt account.
09/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22408	Web
A debt validation letter was sent to CAPITAL ACCOUNTS CERTIFIED MAIL ON XX/XX/XXXX, XXXX on XX/XX/2020 a complaint was submitted to CFPB with regard to a debt XXXX XXXX : XXXX. CAPITOL ACCOUNTS responded to this complaint on XX/XX/2020 with explanation that this account would be cancelled and that the the have requested the tradeline for this account with all bureaus be deleted.
02/14/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33324	Web
I sent them letters because they are reporting it to the bureaus, but they not sending any valid proof or permissible purpose of any debt i owe them. They did not send me any contract where I signed to pay them anything. I have contacted the credit bureaus multiple times disputing it, but they also have no proof yet still keep it damaging my credit and defaming my character.
08/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
The below company is incorrectly reporting on my credit report and they refuse to remove their erroneous collections account from my XXXX Credit Report. I have contacted them, XXXX, etc and they simply refuse to remove the {$600.00} collection which is not mine. This is not right. Capital Accounts : Telephone XXXX Fax XXXX XXXX XXXX. XXXX XXXX XXXX, TN XXXX Email XXXX XXXX
09/26/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	WV 260XX	Web
They have called on multiple occasions. I tell them I do not want them to contact me anymore and I am going to press harassment charges and them tell me they will continue to call me and thwy will disconnect the call. They also will call and if I do not tell them my name they will not tell me what company they are calling from and disconnect the call. They are always very rude.
03/30/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30228	Web
On XXXX/2017 I received a letter stating I owe {$110.00} for a medical debt. On XXXX/2017 I received another letter stating that my debt is delinquent and the amount is now {$110.00}. The original debt is {$59.00} that was cashed on XXXX/17 by the original company. Not only are they sending out letters but the amount of the debt continues to go up. I no longer owe on this debt.
01/17/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MI 48312	Web
The amount owed was XXXX. I dont know why but it is now up to XXXX. Every time I try to dispute it they add money. I have told them they are violating the hippa law. Ive complained to XXXX several times about this issue and they removed it one time but put it back on my credit after a few days. The account is Capital Accounts I have no ideal why they keep increasing this debt.
12/03/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79924	Web
Capital Accounts has listed a collection debt on my credit reports. I have not received any debt validation even though It has been requested several times through the credit bureaus and registered mail. Capital Accounts continues to update this collection monthly and yet has not provided anything that proves they have the right to collect or that the debt is legally mine.
12/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 662XX	Web
Capital accounts placed something on my name that is not mine the date of birth and ss is not mine nor my address. Filed it with the credit bureau and they removed it cause it's clearly not me. They keep calling me and sending me letter 's and I've already placed a depute with them directly which was over 30 days but they keep trying to collect from me and it's not mine.
10/25/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 290XX	Web	Older American
Accordance with the Fair Credit Reporting act XXXX Account # XXXX - XXXX XXXX XXXX. Reported by debt collector CAPITAL ACCOUNTS LLC, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
11/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 79707	Web	Older American
debt was transferred to me after my wife disputed it from being on her credit report and it was deleted. it was her debt to begin with and the Dr office would not correct the Faulty XXXX XXXX she had fitted. XXXX XXXX sold the practice to XXXX XXXX who refused to correct the problem. they said it has been turned in to collections and we are through with it and you.
07/28/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30012	Web	Servicemember
At the time this debt was incurred, I was on XXXX and also State of Georgia XXXX Medicaid. The original creditor must not have filed a claim with Medicaid for payment. A medicaid patient is NOT liable to pay out of pocket, can not be billed balances, and can not be turned over to collections or held responsible for balances. My Medicaid number at the time was XXXX.
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	NY 11706	Web
This account was written off. As Stated on the report. And sold to a 3rd party company. It is against the law to sell or share info. This debt was excused as a collection, then Put back on the report as. Charge off. According to the law on credit this information Should be wiped off all id the major credit Bureau. If not I will start sueing for every Violation.
11/05/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	DC 20020	Web
This company has violated HIPPA law and showed debt on my credit report as XXXX XXXX XXXX XXXX XXXX XXXX Agreed to write off this balance because the XXXX did not work no fault of my own. Also I had two dental insurance companies and the XXXX office indicated the account was paid in full after I paid a few XXXX The account is not owed and needs to be removed ASAP
08/01/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 91335	Web
I had contact them an sent them copies of the payments I made to the XXXX office.The XXXX was a XXXX and I paid him and he still sent me to collection. I contacted the collection agency and sent them records of what was paid and they still say I owe. I called to settle for a lower amount and they still say I owe {$420.00}. This is messing up my credit and now they
09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28277	Web
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
04/19/2023	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	OH 44001	Web
I received a collection debt from a company name Capital account LLC debt collector. For the amount of {$78.00} In behalf of XXXX XXXX XXXX XXXX I have never been at this clinic, I have never incurred in this debt Iam concern about this situation, and I need to straighten this up. Thank you for taking the time to help me clarify this issue. Kind regards XXXX
04/10/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	LA 713XX	Web
When I went in to this dentist office they told me it wouldnt be any out of pocket expense. If they would have told me I wouldnt have gotten anything done. I only originally went to get a tooth pull they offer all the extra stuff that they are trying to make me pay for. Can I get documentation where i agreed to pay them or please remove from credit reports.
03/04/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75501	Web
I have requested verification and validation per my right under the FDCPA section 809 a and b. This company refuses to provide. This is not my debt and I demand proof of this debt. This company has also continued to report a disputed debt on my credit report. Last four of my ssn are XXXX and date of birth XX/XX/1988. Please submit proof that this is my debt
03/26/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11412	Web
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
10/14/2016	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	AL 35007	Web
Got a call from Capital Accounts LLC. They we 're really rude during the call and said that I needed to take care of a business matter in order to avoid legal actions that will be taken against me by the end of business. They said it was for a {$160.00}. I 'm a XXXX year old with lots of health problems that do n't need this kind of stress or threats.
02/05/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33179	Web
This is a part of a XXXX medical bill that was covered by the XXXX XXXX insurance that I carry with policy number XXXX. Based on the charges I have received from them they include XXXX and other charges that I haven't gotten either. So they are charging me for processes that they have not perform and the charges covered by my insurance company.
03/17/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TN 37209	Web
I 've never received information regarding the nature of this debt or proper signed validation of this debt from this credit agency. Also when researching who this company is I learned that they are n't licensed in the State of Tennessee to collect debt. Their license has been suspended since XX/XX/2017. Collecting a debt with no license is illegal.
02/04/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KY 40216	Web
Spoke over the phone with a representative from Capital accounts and explained I knew nothing about the debt they are claiming. Requested they send the debt back to the original creditor. They told they were not going to to that. And threaten a payment or they was going to send to my credit report. I told them this is willful violation of the law.
10/07/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 787XX	Web
Capital Accounts keeps sending me letters and has called me to collect on a debt that I had informed them over the phone and in writing that is not mine. Yet they keep sending me debt collection.= notices. They have also reported this to credit reporting agencies as a delinquent account and that has had an adverse impact on my credit worthiness.
07/02/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 27587	Web
Shared information about a past due debt with my daughter. after they shared the information she told them I was not there them they asked her why she answered the phone. to start with they have invaded my privacy with sharing my information with a member of my household. have asked them before not to call my home as I am not paying this bill.
05/26/2018	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	CA XXXXX	Web
I mailed a certified letter out disputing account on XX/XX/XXXX. The tracking on the letter states that the letter was picked up from their post box on XX/XX/XXXX at XXXX. The 30 days have passed and I didn't receive a response to my letter so therefore the account should be removed from my credit. Attached proof of delivery to the collector.
10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 20176	Web
Submitted claim through CFPB with claim number XXXX. Company stated in XX/XX/2022 that they would send my file back to the original creditor and remove the collection from my credit report. However it is still on my report. I would like the company to submit the removal of this collection to all three credit bureaus ( XXXX, XXXX and XXXX ).
07/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21206	Web
This case was solved in XXXX, the problem i have is that they are still keep checking my report putting hard inquires on it, this is now XXXX, removed this company from y report thats almost 3 years, and they keep checking my report about 10 to 15 times all hard inquires doesn't make since I don't want this closed until its removed please
12/04/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 44484	Web	Servicemember
I contacted XXXX last week to finish XXXX XXXX. They then told me I had to pay a remaining balance before we could finish. I pulled up my account online and it shows XXXX balance. I thought it was accurate as it went through my FSA. Now, a few days later, this company put collections on my credit report. They have never contacted me.
08/12/2020	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 333XX	Web
Spoke with original debt and debt has a XXXX balance. Capital Collections LLC, continues to increase the monthly amount which they're not allowed to do per Florida Finance Code. In addition, they have yet to ever very debt. Orignal debt no longer does business with Capital Collections as to what i was advised by their office today.
07/15/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NC 28412	Web
I can't dispute anything through XXXX it's telling me my information is not right even though I know for a fact I've answered everything correctly. I believe there is information on my report that's incorrect and it's not going to let me log in. Amount on one creditor keeps increasing every month even though it is in collections
05/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web	Servicemember
Haven't received any information regarding this debt. I've been XXXX and do not have any documents from this collection agency providing proof of my sole ownership of this debt. Documents need to be provided. According to my monthly credit score report provided by my bank, it shows a balance of {$1300.00} from Capital Accounts.
08/19/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33612	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
06/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 95991	Web
On XX/XX/18 I received a collections notice with a balance of {$610.00}. On XX/XX/18 I called to settle the debt. I was told if I paid {$570.00} the debt would be settled. I called back and was told that the balance was {$630.00}. We ended paying the {$610.00}, but I was confused on all the different balances they provided.
08/17/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL XXXXX	Web
Capital Accounts failed to notify me of any alleged debt with their office. The account appeared on my credit reports to my surprise. On XXXX XXXX, 2016, I authorized XXXX XXXX XXXX , XXXX to dispute the alleged debt with Capital Accounts. Capital Accounts failed to validate the debt in accordance with 15 U.S. Code 1692g.
10/13/2016	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	LA 707XX	Web
Representative by the name if XXXX XXXX called my husband from Capitol Accounts very rude on the phone and using obscene language. I called the company at XXXX spoke with XXXX advise her on what happen she transferred me to supervisor XXXX I advise him on what happen he did n't sound like he really cared or was concerned.
05/10/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MI 48307	Web
Please reference complaint XXXX. The reply from the company was a lie. I have proof that they called. I will provide a screen capture of my phone record from that day. They broke the law, harassed the other person who answered my phone, and proceeded to give that person personal information about me without verification.
09/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77494	Web	Servicemember
I asked the company for the original contract twice and they can not provide it. This debit doesnt belong to me. I have disputed it and contacted the XXXX. They only sent a letter saying this was my debt. I want to see the original contract because this debt does not belong to me an I want it taken off my credit report.
09/14/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 07047	Web
XXXX XXXX XXXX XXXX 's Office at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, XXXX. Keeps billing me and reporting on my credit report an outstanding balance for service that was not performed on me and the bill does not belong to me. The item should be removed from my report as its impacting my credit score/report negatively.
08/18/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75219	Web
I have requested the information to validate the debt they are saying I owe by a dispute with the credit reporting agency. Capital Accounts LLC has yet to provide me with acceptable documentation of my debt and has refused to remove the account from my credit report. I have attached the letter I sent them today.
11/18/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 90807	Web
There is a dentist in Florida who claims that he is owed {$440.00}. I have proof that it is only {$320.00} as monies have been paid in addition he had caused me to be overnighted in the hospital due to his medical negligence I need this off the report he keeps lying to the credit bureaus and using a false amount
12/11/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 244XX	Web
A debt collection showed up on credit report. I contacted the company requesting proof on the debt amount even supplied them with email address to send it to. I still have received nothing not even a bill of any sort and it has been almost 30 days and I just seen where my amount due to them has went up again.
02/23/2018	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	CA 92395	Web	Servicemember
I began writing letters to the credit bureaus and specific creditors reflected on my credit report beginning in XX/XX/2017. I believed items on my credit report reported inaccurately an not in compliance with the FCRA and FDCPA. The accounts in question are Capital Accounts LLC, XXXX XXXX XXXX and XXXX XXXX.
05/09/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77356	Web
There is an account reporting with Capital Accounts partial number XXXX. This continues to report and it is actually past the statue of limitations. I have not been to XXXX. XXXX XXXX in over 7 years it actually closer to 8 or 9. For some reason this collection company is trying to report an aged account.
04/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OK 73127	Web
i spoke to XXXX explained i know longer owe the debt and to remove it from credit report, and that they also reported the wrong amount for collection, and are require to delete. she say it can take 90 days if they decided to remove it. but took less then a day to put on reports. the debt has been cleared
11/27/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 11040	Web
This alleged debt was created and contracted with my employer I have no responsibility or obligation to pay this alleged debt, because this a workman s comp case. The responsible party is my employer XXXX medical claims. This company has being harassing me and still have not contact the responsible party.
11/09/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 90292	Web
I have medical debt that was sent to Capital accounts LLC for collections. I disputed this account on XXXX and XXXX in turn Capital Accounts sent me a verification letter of someone else. Multiple pages with someones name, address, birthday, social security number, account numbers, drs office name, etc.
10/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29223	Web
the debt was paid in full on XX/XX/, for {$1000.00} yet debt collector ( capital accounts LLC ) kept sending collection notices, for XXXX in XX/XX/2023, XX/XX/2023, XX/XX/2023 I had to take time off of work, had to go back to the dental service provider to get a letter in XX/XX/2023 stating satisfaction
11/03/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75020	Web	Servicemember
My husband and i moved. My sister who was going to continue to rent the property we were leaving. I call and had the electric turn off att the old place and turned on at the new. My sister called them back and said she was me and had the leave the electric on at the old property. I did not agree to it
08/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77377	Web
I have recently reviewed my credit report and would like to inform you of the inaccurate reporting on my credit file. I am requesting, under the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that this matter be investigated. Capital accounts LLC in the amount of XXXX this is not mine.
06/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 331XX	Web
Hello, the information is incorrect. The procedure has been covered 100 % by the insurance company. Company CAPITAL ACCOUNTS LLC Account XXXX ( information from XXXX ) Amount {$81.00} Capital Accounts , LLC XXXX. XXXX XXXX XXXX, TN XXXX Phone Number : XXXX Website : http : //www.usecapital.com/
10/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 308XX	Web
In accordance with the Fair Credit act CAPITAL ACCOUNTS LLC # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
09/15/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	TN 37918	Web
I just found out that my credit card with Capital Accounts was put on collections without my knowledge. I request this account to be removed and the harassment calls to stop immediately. I never received any notice or last bill from the medical institution and know this bill is under collection.
08/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22408	Web
CAPITAL ACCOUNTS was sent a letter certified mail on XX/XX/2020, with regard to a debt that appears on my credit report for XXXX XXXX : XXXX that was changed to XXXX on XX/XX/2020. CAPITAL ACCOUNTS was given 14 days to respond with validation for this debt, but as of today has failed to do so.
03/02/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 395XX	Web
I have sent a letter of debt validation to this company to validate the accused debt. This company has failed to validate this debt as requested within 30 days of receipt request. Therefore I have attached a copy of the proof of delivery by the USPS in record that they did receive the request.
06/03/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19148	Web
On XX/XX/2021 Capital One Accounts LLC report the amount of debt of {$250.00} as derogatory on my credit report. Capital One Accounts LLC has been harassing me through repeated phone calls to verify my correct identity in which I was not aware of the debt and my personal information was sold.
05/17/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77493	Web
Capital accounts in XXXX TN is trying to collect on a account under my name for the amount of {$430.00} I've reported the account as a fraudulent account about XXXX yrs ago and it still on my credit report. I then told them to send me a credit validation letter. and I haven't heard from them
10/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77338	Web
I got a collection on my credit file from Capital Accounts LLC I don't owe this agency any money nor do I owe any veterinary hospital. I contacted them via mail requesting they validate this account. I have not received anything from them. Yet they continue to report this error on my credit
05/10/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
X/X/14 had XXXX XXXX . I was XXXX XXXX XXXX . My parents insurance paid part of debt. Parent signed for financial responsibility however collection agency put Debt on my credit report. They have not been able to provide prod of financial responsibility signed by me on X/X/14
10/27/2016	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	MD 207XX	Web	Older American
caller asks by first name and then proceeds to talk in a threatening, condescending manner. Would not give name, and demanding answers, that are of a personal nature ... Issue at hand is the sole responsibility of medicare nevertheless, they continue to attempt collection from self anyway.
07/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	MO 65109	Web
I spoke with a rep last week when they called my place of employment. I have asked the company ( Capital Accounts LLC ) not to call my place of employment XXXX times now. The company has my cellphone number as well as my email address, but yet they continue to call my place of employment.
11/21/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 211XX	Web
Capital Accounts LlC company added XXXX in interest. And continuing to try to charge more. This was not in the direct contract with the medical provider. They are insisting I must pay a 8.06 % interest rate even though it is being charged by them and not the original dental provider.
08/07/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	VA 24540	Web
I was called by capital accounts. I told the caller that the number he was calling did not belong to me and he did n't have permission to use it. He continued to tell me I needed to get back to the point of the call. I told him I would report the company and he said do what you want.
03/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75211	Web
I sent a certified letter in XX/XX/2019 asking for verification and validation of the debt and they received it on XX/XX/2019 and it's been more than 30 days and now it's XX/XX/2019 and they the have yet to respond or delete from my credit report in which the Law requires them to do
09/16/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account,
08/18/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33025	Web
On XX/XX/2021 I called capital accounts to see why I have a medical debt collection and they did not give me any validation of debt I also asked them to send me information of the debt and they said they don't have that information. I ask to remove off my credit report immediately.
04/15/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	WA 98004	Web
Capital Accounts is trying to collect {$89.00}. This amount was paid thru XXXX XXXX on XX/XX/20. I called and verified with XXXXXXXX XXXX and they stated that they only use XXXX XXXX they do not use any other collections. I called XXXX and they verified payment received on XX/XX/20
11/08/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90045	Web
On XXXX Capital Accounts called me to collect a debt that belonged to my daughter. I proved to them that the debt was not mine but instead ignored the proof and place the collection of {$280.00} on my account. The debt belongs to my XXXX year old daughter. Date of service is XXXX
03/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29483	Web	Older American
I have asked Capital Accounts, on at least three occasions, to sent me a detailed statement of account which shows : Date of Services Detailed Services Provided Insurance Payments ( XXXX XXXX ) Received My payments received So far, I have not received any of the above information
07/03/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NC 275XX	Web	Older American
On or about XXXX XXXX, someone from your company called my client and said they were an attorney and threatened to keep increasing the balance on the account. Also, my client has continued to receive harassing phone calls from your company where he is insulted and talked down to.
02/01/2023	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	DC 20020	Web
As a XXXX resident with exposure to XXXX, and currently in other litigation regarding mortgage fraud, I have requested that this debt be put on hold. XXXX continues her harassing behavior, sending collection notices and use aggressive language when I try to discuss the matter.
09/09/2022	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 77449	Web	Servicemember
Filed a complaint on XX/XX/2022 with CFPB. Company responded on XX/XX/2022. In the response company stated that they will submit documentation to credit bureaus to delete from credit reports. As of XX/XX/2022 company is still reporting negative information on my credit reports.
02/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29464	Web	Servicemember
In XXXX of 2019, Capital Accounts LLC reported to XXXX that I made a late payment on a debt collection reported by their company. I've never made ANY payments for this reported collection amount to Capital Accounts LLC, therefore a late payment shouldn't have been reported.
04/04/2020	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90631	Web
I am writing this due to non-compliance with the CAPITAL ACCOUNTS. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
08/18/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL XXXXX	Web
On XXXX XXXX, XXXX, XXXX XXXX XXXX requested that we request validation of his alleged debt with Capital Accounts that appeared on his credit reports with all three major credit bureaus ( XXXX, XXXX, and XXXX ). Capital Accounts failed to validate XXXX XXXX ' alleged debt.
02/11/2021	No	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	LA 704XX	Web
I received my credit report from XXXX and I noticed a derogatory mark from Capital Accounts LLC. This account is involved in ligation. I disputed this with XXXX and with Capital Accounts LLC. I was not notified on the outcome of this investigation. It has been 30 days.
10/03/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 207XX	Web
Capital Account contacted me about a bill from my dentist, I wrote them back that the debt is invalid because my insurance already paid the bill at 100 % and I dont owe any money. They then proceed to report this to my credit file and it has affected my points to drop.
09/21/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28227	Web
I Reserved from CAPITAL ACCOUNTS on XX/XX/2018 Bill from theme it says I was having medical treatment from atrium that was before XXXX start within a few months I remember I have my son he was treated at XXXXm but we also has XXXX CAPITAL ACCOUNTS XXXX XXXX {$970.00}
02/19/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 371XX	Web
I recently pulled my credit report and discovered that this company has reported that owe them a debt. To my knowledge I have never done business with this company. I have never entered into a contact with them and nor have they provided me with any goods or services
04/05/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	KY 41005	Web	Older American
CAPITAL XXXX TRYING TO COLLECT A DEBT I DO NOT OWE WAS NEVER SENT A BILL NEVER HAD SERVICES WITH XXXX .... ALSO XXXX XXXX COLLECTION FROM XXXX HOSPITAL NO KNOWLEDGE OF DEBT NO BILL HAVE N'T USED SERVICES FROM XXXX IN THE PAST 15 YEARS ON XXXX WITH HELP FROM XXXX ...
05/02/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 92618	Web
This debt collector never provided me with mailed notice about disputing this debt. In fact, I have disputed this debt with this debt collector and have not received a response to my debt validation request. They are also not licensed to collect a debt in my state.
09/24/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 07017	Web
XX/XX/2022 Date added on Credit Report Amount {$73.00} I have paid this insurance fully. I have attempted to contact them long time ago. This is causing me financial damage and needs to be removed immediately from my report. Its incorrect and have been fully paid.
05/27/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76119	Web
Capital accounts calls my phone several times a day but refuses to identify the company when they call the only was i was able to identify the company was buy doing a google search on the number that was calling. Several representatives refused to i.d the company.
02/03/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75248	Web
I have requested verification and validation of debt several times and this company refuses to provide to me. I do not know what this debt is and when I contact the company they can not locate my account with my SSN yet still continue to report this on my credit.
12/18/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 902XX	Web
According to the collection agency, they assumed a debt that was less than THREE MONTHS OLD. That is vile. I also have no way of verifying if the total amount I owed is correct based on the information I was given by both doctor 's office and collection agency.
01/03/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AL 35758	Web
Reps from Capital Accounts , LLC repeatedly call my telephone number regarding some unknown debt. They call telephone # ( XXXX ) XXXX several times per day. I have no idea the Debtor they represent because all of my debts were included in a Bankruptcy in 2016.
06/10/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75094	Web
A fraudulent medical account is reporting by Capital Accounts LLC on my XXXX credit report for {$140.00}. I have never visited XXXX XXXX XXXX. I have filed a police report with the XXXX Police Department, Report # XXXX to support my identity theft report.
02/13/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85041	Web
The collection agency that is attempting to collect a debt from me is not licensed to operate in my state. Thus, I am disputing this collection. I have included the list of all active licenses for collection agencies from my state 's government website.
04/11/2020	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	NY 11234	Web
I was told I have a debt, I mailed a check to the original company was owed to my son doctor. They hot my credit when I called them he said this isnt XXXX XXXX you cant have it your way, wouldve let me record him or confirm this debt is being removed
04/13/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ XXXXX	Web
Capital accounts reported negative information on my credit report, despite the fact that I have never had any business with them, and they have failed to provide a copy of a contract signed by me or a judgment against me to validate this alleged debt.
06/13/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MS 39759	Web
I contacted XXXX XXXX XXXX over 30 days ago requesting validation for the alleged debt that they say I owe them. I have not received any proper validation as I requested. I also do not have any contract or have done any business with this company.
04/05/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32065	Web	Servicemember
XX/XX/18 letter received threatening to report unpaid medical debt to credit bureaus. Itemized bill sent violating HIPAA guidelines. Capital Accounts collection agency for XXXX XXXX XXXX XXXX. Patient responsibility was paid at time of visit.
10/14/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	HI 967XX	Web
XXXX made up unecessarily high false visits and charges to purposely run up a high bill to aid the attorney who referred me to him to win a lawsuit. When the attorney dropped the case the XXXX is now trying to put this fraudulent bill on me.
03/24/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 497XX	Web
My credit report is showing a collection debt for a medical bill, which was paid in XX/XX/XXXX : Company : Capital Accounts LLC XXXX XXXX XXXX XXXX, TN XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$240.00}
07/24/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63128	Web
Company called stating I owed over {$200.00}. I contested it, told them I would not pay them only the original creditor, then asked her to stop calling. I was told they would keep calling and keep reporting negatively to my credit reports.
03/06/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75081	Web
I have requested verification and validation of debt several times and this company refuses to provide any information to me. I am disputing this debt because its not mine. I also dont believe this company is bonded to collect in my state.
04/30/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 23188	Web	Servicemember
I pulled my annual credit report to find out that there was a collections on my report from a company called Capital Accounts LLC. I have no idea who this company is and I was not notified of the debt or the option to dispute it.
04/06/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30213	Web
I have repeatedly contacted this company to get them to verify that this account was mine. The information they sent me does not have my name, address or other information on it. They have violated FDCPA rules in debt validation.
08/26/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 088XX	Web
I am writing to dispute the information that this agency has reported. The agency has failed to provide documentation proving that I am responsible for this debt. I am requesting to have this item removed from my credit report.
01/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
The company is placing false information on my credit that is false I have reported to them and the credit bureau that the information is wrong. CAPITAL ACCOUNTS LLC XXXX XXXX XXXX XXXX, TN XXXX Stated date XXXX XXXX, 2015
10/26/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	SC 29650	Web
Debt was paid in full - continuing to report on Credit Report under collection agency with an open date of XX/XX/2014 -- I did n't even live in the state of NY in XX/XX/2014 nowhere near this doctor. Reporting for {$150.00}.
10/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 190XX	Web
We sent the collection agency to provide additional document and trail for the incorrect billing amount. Instead of sending details and copies of claim, they just sent to credit reporting, negatively affecting my XXXX XXXX.
01/27/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	NY 10031	Web	Older American, Servicemember
I was approved for Capitol One card, but the approval process requires a nyc Drivers license. I have offered them amedicadcard. Which they. Would not accept. How ever I had a card from when I ivedd in XXXX nd can prove it
08/08/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 333XX	Web
I have sent debt validation with no response. I'm not sure if this company actually owns the debt. I have not receive any notifications from their office. In addition each month they add {$1.00} to {$2.00} to the balance.
09/13/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	LA 70119	Web
collection agency Capital accounts which is a debt collection agency was paid the debt received a receipt of which I paid the amount owed but will not report that debt was paid to XXXX, or XXXX need them to correct this.
01/23/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 290XX	Web
On XX/XX/2020 I mailed a certified letter to Capital Accounts LLC I retrieved the address from my credit report and the letter was returned by to me stating RETURN TO SENDER NOT DELIVERABLE AS ADDRESSED UNABLE TO FORWARD
07/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 93535	Web
told XXXX times to mail not call. XXXX time would not give me address to send cease of communications notice. would not provide address unless i " talked about the debt '' like did i think i did not owe the debt etc etc.
02/05/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CT 063XX	Web
I owed the Dr {$87.00} and was paid on XXXX To the Dr office receipt XXXX and Capitol accounts wants me to pay they {$18.00} more for Interests Was told it was not allowed by North Carolina state For them to charge me
04/11/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 94603	Web
Capital Accounts has no legal right to collect/ report on this alleged debt that 1. I have no contractual obligation to Capital Accounts for charges that were paid by insurance. 2. Debt is past statute of limitations
09/22/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 22315	Web
I paid my medical bill and capital accounts lie to XXXX and theyre still keeping this account on my file, harming my credit. I want it removed I do not owe the money and it is a very old account and I paid the money!
09/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43701	Web	Older American, Servicemember
XX/XX/2018 {$3400.00} XXXX XXXX XXXX, never received any bills or information from this company in 4 years now they got a debt collector trying to get money from me.Don ' know what for. Capital Accounts XXXX XXXX.
12/05/2020	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33179	Web
I had a billing issue with XXXX XXXX XXXX which later I paid her XXXX for her wrong charges of XXXX dollars but she perhaps failed to inform her collection company to correct the information on my credit report.
12/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63033	Web
I have this account that just appeared on my credit and I am not familiar with them or what this is for. I have tried to look this company up but there are a lot of listings here in XXXX XXXX for this business.
09/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 201XX	Web
The information reported by following creditors and collection agencies in my credit reports are incorrect. I tried to contact them and they are taking time to remove - XXXX # XXXX XXXX XXXX XXXX # XXXX
01/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 119XX	Web
Hello The debt is not mine, We cancelled the therapy and asked for a refund. Please see note. I am not responsible for this debt. The father was responsible through a court order. I don't owe this bill.
11/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IN 465XX	Web
My XXXX credit report shows a collection from Capital Accounts LLC for a debt of {$190.00} to a Doctor XXXX XXXX ( eye doctor ) that has been paid in full. Capital Accounts LLC claims it is still open
05/04/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77494	Web
The first learned of this debt was an alert from my XXXX account. I have no clue how my name is connected to this I have never visited this dr office. I never had a procedure, never had a examination.
11/05/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 380XX	Web
Capital Accounts LLC has placed a collection on my credit profiles claiming that I owe {$260.00} to XXXX XXXX XXXX. I've never been to that facility as I DONT HAVE ANY PETS!!!!! It's ridiculous.
09/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY XXXXX	Web
Capital Accounts XXXX XXXX XXXX TN XXXX I dispute the alleged debt of {$5000.00} and I have not received any proof of its validity from the debtor. I have asked for this debtor to be removed.
08/24/2021	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 45011	Web
Harassing phone calls continue after I requested to stop. Everyday since XX/XX/XXXX. Ive updated my info and explained Id try to pay in full before the end of the month. Yet the keep calling.
04/09/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 24012	Web
Company told me that if I paid the account it would be deleted off my credit reports if paid in full. The account is still showing up on my XXXX and XXXX and has not been flagged for deletion
01/21/2023	No	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 710XX	Web
I have been trying to reach to this company about this alleged debt but I haven't gotten their response so here I am seeking help from the CFPB and Atty General to get this matter resolved.
01/06/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75062	Web
Sent a letter to the collection agency asking for VALIDATION of debt not VERFIFY. Ask if the debt could not be VALIDATED within 30 days to please remove from all 3 credit bureau reports
04/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30058	Web
Capital Accounts has placed this on my credit report and it has nothing to do with me. It states date assigned XX/XX/2019 on XXXX its XXXX on XXXX XXXX its XXXX and XXXX its XXXX
01/05/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34638	Web
I am being charged for services that I did not receive. I am being charged for someone elses services on my credit report. There is no contract between XXXX XXXX XXXX and Myself.
07/18/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33073	Web
Capital Accounts called me at work twice. I have advised them to stop calling me at work. If they continue I will sue them for harassment. The number that is calling me is XXXX
02/22/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33610	Web
No response. unable to verify the information from XX/XX/19 - XX/XX/19. as CAPITAL ACCOUNTS LLC. XXXX XXXX XXXX XXXX XXXX, TN XXXX from XXXX XXXX on its monitoring report.
02/12/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 342XX	Web	Servicemember
Capital accounts claims they have a debt that belongs to me. I have asked repeatedly for written proof be sent to me with my original signature. They have refused to date.
02/10/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77354	Web
CAPITAL ACCT is claiming that I owe them {$220.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
06/15/2021	No	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 28546	Web
I am a XXXX person I have state XXXX in 2017 I went to a XXXX XXXX XXXX why the XXXX was not charged and now they keep harassing me with that account if it is my fault
03/29/2018	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 77062	Web
I've been submitting information to XXXX and XXXX about a account being in collections on my credit report and they still haven't removed this negative information
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92646	Web
This company fraudulently claims that I owe them a debt. We have never had a contractual relationship and they have failed to provide lawful debt validation.
03/16/2021	No	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	CA 90278	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
02/06/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 33647	Web
this company has tried to collect a balance for a XXXX i never seen or saw i dont owe this debt i asked for a validation notice and tehy refused to send it
05/08/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 75069	Web	Servicemember
I am receiving daily phone calls for a person who does not reside in my home. I have repeatedly asked Capital Accounts llc to not call me to no avail.
04/12/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78130	Web	Servicemember
They refused to collect from the insurance agency. Capital Accounts Collection Co. XXXX XXXX Original date XX/XX/XXXXNow they updated it to XXXX
03/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30044	Web	Older American
I do not reconize this debt as mine, this company has fail to validate this debt, therefor I'm requesting for it to be deleted from my credit file.
04/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92404	Web
A debt from 2009, company periodically calls and attempts to start collections. Have notified them numeous times it was included in bankruptcy.
03/04/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web
CAPITAL ACCT is claiming that I owe them {$580.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
02/04/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	UT 84015	Web
I do not owe any money to this account and they continue to try and call. they are threatening to send a debt to collations that I do not owe
06/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 790XX	Web
I have no idea what this bill is or who its for I have never used this company before and I was certainly never sent a bill for anything.
09/13/2019	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.
04/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 38116	Web
I recently reached out to this company twice in order to settle this debt with no response or acknowledgment that letter was received.
07/08/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77505	Web
I have made multiple attempts to have them validate the debt. Capitol Accounts Sends me a XXXX line response " Validating the debt ''
08/05/2017	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	GA XXXXX	Web
XXXX needs to delete and block these fraudulent accounts immediately : 1. XXXX/XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. Capital Accounts
11/16/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 94603	Web
I have disputed this debt under my FCRA and FDCPA rights and it is not marked as disputed and is in violation of my consumer rights.
03/08/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30248	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
01/31/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30135	Web
These are fradulent accounts. My information was leaked in data breach. please remove all accounts from the reporting agencies.
12/05/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 35022	Web
XXXX XXXX XXXX is attempting to collect a debt not owed to there company. I did not sign anything to release my medical records
03/15/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28227	Web
CAPITAL ACCOUNTS # XXXX I DID NOT RECEIVE ANY RESPOND FROM CAPITAL ACCOUNTS SENC XX/XX/XXXX ABOUT MY MEDICAL SERVICE DISPUTE.
11/23/2023	Yes	Credit card General-purpose credit card or charge card	Problem with fraud alerts or security freezes	NC 281XX	Web
This is XXXX XXXX I got a capital card or something on my account and I ain't got a capital card or did anything with capital
02/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 24012	Web
There is no longer a contract for this debt and it was paid. I do not owe this debt. I did not receive a notice to dispute
02/07/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43213	Web
The collection agency is CAPITAL ACCOUNTS XXXX. Account have been removed four times but being repeated re-entered.
03/07/2022	No	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NC 28540	Web
This company has no reason for trying to collect on a account that the company has collected as a tax right of
04/03/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web	Servicemember
Never had a contract with this company. Debt does not belong to me. Its in violation of the HIPPA LAWS.
12/20/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	GA 31520	Web
Company was not given authorization to share sensitive medical information to a 3rd party or outsider.
08/24/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MD 20910	Web
I contacted the company to stop harassing me and threatening me and they still continue to do so.
08/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 74137	Web
XXXX XXXX XXXX XXXXXXXX has placed an account in collections for {$360.00} that I do not owe.
08/09/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 301XX	Web
There is no verification that I am obligated to the debt for the child they are alleging.
12/11/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 31210	Web	Servicemember
CAPITAL ACCOUNTS AGGRESSIVE PHONE CALLS AND CANNOT VALIDATE ORIGINAL MEDICAL ACCOUNTS.
03/10/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	FL 33458	Web
I disputed this account and received corrspondence which was a violation of HIPPA Act.
05/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35022	Web
I have made several attempts to get this removed from my credit because it was paid.
07/08/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76522	Web
They violated my hippa rights and put it on my credit without knowledge of payment
03/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30214	Web
This debt is not mine, never consented to any involvement with Capital Accounts.
01/17/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IA 503XX	Web
Please see attached documents as it contains my full complaint and request.
02/14/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NC 27526	Web	Servicemember
Company calls everyday nonstop and does not talk when phone is answered.
02/14/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 76131	Web
Performed XXXX procedures on my sons XXXX that i did not consent to.
08/05/2021	No	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 23513	Web	Servicemember
I never gave permission to this company this is a HIPPA violation
03/09/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 641XX	Web
Company charging me for an amount that I am not responsible for.
10/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
Never had a signed agreement with XXXX XXXX to charge interest.
07/10/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63137	Web
Not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/14/2021	No	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 30294	Web
Capital Accounts is in violation of my HIPPA rights
08/13/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75228	Web	Servicemember
They are not trying to help me with this.
03/31/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	GA 317XX	Web
My identity has been stolen I need help
09/20/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75098	Web
Never had an account with XXXX XXXX.
02/12/2023	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	AL 365XX	Web
Didn't authorize inquiry
08/28/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30039	Web
No knowledge of debt.
07/17/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
This is not my debt
01/29/2024	No	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MD 20910	Web

01/26/2024	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70592	Web

01/20/2024	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 01915	Web

01/11/2024	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30331	Web

01/11/2024	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33584	Web

01/09/2024	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 44484	Web	Servicemember

01/04/2024	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TN 38134	Web

12/30/2023	No	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 77584	Web

12/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20910	Web

12/26/2023	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	MD 20910	Web

11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78730	Web

11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70129	Web

10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75428	Web

10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30318	Web

10/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70118	Web

10/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91364	Web

10/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO XXXXX	Web

09/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30228	Web	Servicemember

09/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28034	Web

09/01/2023	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	TN 37206	Web

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07050	Web

07/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30318	Web

07/18/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75428	Web

07/18/2023	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32935	Web

07/16/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 90047	Web

07/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60192	Web

07/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38654	Web

07/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98166	Web

06/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11550	Web

05/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 73012	Web

05/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94513	Phone

05/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 93454	Web	Servicemember

04/30/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32233	Web

04/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 39083	Phone	Older American, Servicemember

04/13/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 86442	Web	Older American

04/12/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11414	Web

04/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33406	Phone

04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AZ 85338	Web

03/18/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33064	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20747	Phone

03/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IA 50211	Web

03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36869	Web

03/08/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 90035	Web

03/08/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KS 66604	Web	Older American

03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63385	Web

03/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63385	Web

02/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33322	Web

02/06/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CT 06903	Web

02/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28205	Web

01/27/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18976	Web

01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31513	Web

01/09/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AL 36089	Web

01/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34638	Web

01/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33872	Phone

12/29/2022	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 30213	Web	Servicemember

12/28/2022	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	PA 15905	Web	Servicemember

12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07869	Web

12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32506	Web

12/08/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 90046	Web

12/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90703	Web

12/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 37312	Web

12/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72032	Web

12/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 303XX	Web

11/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11207	Web

11/23/2022	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 32907	Web	Servicemember

11/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27301	Web

11/15/2022	Yes	Debt collection Medical debt	Communication tactics Called before 8am or after 9pm	IL 60123	Web

11/09/2022	No	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	NJ 07106	Web

10/31/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 22079	Phone

10/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93722	Web

10/06/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60419	Web

10/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30294	Web

10/01/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92374	Web

09/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	IL 61525	Postal mail

09/25/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33169	Web

09/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29505	Web

08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 12901	Web

07/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30296	Web

07/08/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48098	Web

07/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 15642	Web

06/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21702	Phone

05/25/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 96001	Web

05/25/2022	No	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MI 49456	Web

05/11/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 14094	Phone

05/06/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 61920	Web

05/06/2022	No	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	NC 28551	Web

04/16/2022	No	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	UT 84124	Web

04/15/2022	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07202	Web

04/07/2022	No	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 11221	Web	Servicemember

03/30/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07670	Phone

03/29/2022	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48221	Web

03/29/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20602	Web

03/28/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 71047	Web

03/22/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75701	Web

03/18/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 18337	Web

03/16/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 12590	Web

03/13/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77642	Web

03/09/2022	No	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	IL 62208	Web

02/28/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CO 80038	Web

02/24/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 32822	Web

02/20/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98683	Web

02/18/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 93442	Web

02/15/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33611	Phone

02/03/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07871	Web

01/15/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30317	Web

01/13/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27330	Web

12/08/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07052	Web

11/30/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07008	Web

11/28/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30809	Web

11/18/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33991	Web

11/18/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 90015	Web

11/17/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32656	Web

11/17/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 47905	Web	Servicemember

11/16/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30039	Web

11/13/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77449	Web

11/07/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29115	Web

11/07/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 90710	Web

11/05/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 80203	Phone

10/28/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30501	Web	Servicemember

10/18/2021	No	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	VA 23502	Web

10/13/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30039	Web

10/09/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 79915	Web

10/08/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38106	Web

10/07/2021	No	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	GA 30058	Web

10/04/2021	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63130	Web

09/24/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33068	Web

09/22/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 20602	Web

09/21/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21207	Web

09/20/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30088	Web

09/17/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30228	Web

09/07/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75068	Web

09/07/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36067	Web

09/07/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78257	Web

09/07/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22601	Web

09/06/2021	No	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	NJ 07017	Web

09/05/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77396	Web

09/03/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 35570	Phone

09/03/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 35758	Web

09/03/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75068	Web

08/31/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30180	Web

08/29/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08361	Web

08/27/2021	No	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	GA 30101	Web

08/25/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78660	Phone	Servicemember

08/24/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75126	Web

08/24/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33411	Web

08/22/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 76522	Web

08/19/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30044	Web

08/18/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30329	Web

08/09/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30088	Web

08/06/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21207	Web

07/28/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30080	Web

07/27/2021	No	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	NJ 07052	Web

07/19/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37415	Web	Servicemember

07/19/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19139	Web

07/15/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77066	Web

07/14/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32725	Web

07/12/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30248	Web

07/09/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21207	Web

07/08/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90804	Web

07/06/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11428	Web

06/24/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38103	Web

06/23/2021	No	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	LA 70126	Web

06/11/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32117	Web

06/11/2021	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NJ 07601	Web

06/11/2021	No	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	GA 30080	Web

06/07/2021	No	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OK 73135	Web	Servicemember

06/04/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27529	Web

06/03/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75236	Web

05/31/2021	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 49503	Web

05/26/2021	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 30038	Web

05/21/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AL 36117	Web

05/20/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30281	Web

05/18/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30044	Web

05/18/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28213	Web

05/13/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 12202	Web

05/12/2021	No	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	LA 70119	Web

05/11/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30248	Web

05/05/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28027	Web	Older American

05/05/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30189	Web

05/03/2021	No	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	PA 16323	Web	Older American

04/23/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30350	Web

04/21/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33411	Web

04/16/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37130	Web

04/16/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11550	Web

04/13/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 10601	Web

04/13/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 78739	Web

04/09/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30248	Web

04/07/2021	No	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	PA 15221	Web

04/02/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30281	Web

04/01/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AL 36117	Web

04/01/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11550	Web

03/13/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75503	Web

03/09/2021	No	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	OH 43608	Web

03/07/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21133	Web

03/04/2021	No	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	PA 15212	Web

03/04/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32413	Web

03/04/2021	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 49503	Web

03/03/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AL 35210	Web

02/18/2021	No	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	SC 29479	Web

02/15/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93939	Web

02/15/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93939	Web

02/15/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28405	Web

02/13/2021	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN 37214	Web

02/12/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30345	Phone

02/04/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 20176	Web

02/04/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90503	Phone

01/27/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33970	Web

01/26/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77541	Web

01/26/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77541	Web

01/19/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30263	Web

01/14/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 12866	Web

01/11/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 11210	Web

01/07/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60642	Web

12/29/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33033	Web

12/28/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19151	Web

12/24/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 94612	Web

12/22/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19149	Web

12/21/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11518	Web

12/16/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28523	Fax

12/08/2020	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78155	Referral

12/04/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75078	Postal mail

12/02/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19132	Postal mail

12/02/2020	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07307	Referral

11/17/2020	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10472	Fax

11/13/2020	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29009	Fax

11/13/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33157	Fax

10/27/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36117	Web

10/27/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30620	Web

10/27/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08873	Web

10/14/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32839	Web

10/14/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60022	Web

10/09/2020	No	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 76095	Web

09/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28540	Web

09/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46268	Web

09/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone

09/23/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 75165	Web

09/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19131	Postal mail

09/14/2020	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt		Phone

09/04/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30188	Web

08/23/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77064	Web

08/14/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 30346	Web

08/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone

08/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10002	Phone	Older American

08/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44146	Fax

08/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 303XX	Web

08/05/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63111	Web

07/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44314	Fax

07/22/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	SC 29943	Web

07/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 92660	Web

07/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30557	Web

07/14/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30328	Web

07/08/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 37355	Phone

07/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44320	Fax

07/01/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08901	Web

06/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11516	Web

06/19/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls		Phone

06/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33411	Web

06/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32817	Web

06/02/2020	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	OH 45152	Web

06/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11516	Web

06/01/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CO 80021	Web

05/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 74447	Web	Servicemember

05/12/2020	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30339	Web

05/04/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TN 37211	Web

04/24/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 71109	Referral

04/20/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90731	Web

04/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30236	Fax

04/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 36081	Web

04/10/2020	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	AR 72908	Web

04/09/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AL 36301	Phone

04/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone

03/28/2020	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 Investigation took more than 30 days	MO 64117	Web

03/20/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	ID 83646	Web

03/19/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30296	Referral

03/18/2020	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	NC 27587	Web

03/18/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 30328	Web

03/06/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33415	Postal mail

03/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29574	Web

03/03/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 77662	Web

03/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 303XX	Web

02/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

02/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 31418	Web

02/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 36066	Web

02/09/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 43607	Web

01/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

01/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	VA 23834	Postal mail

01/11/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 30346	Web

01/10/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92555	Web

01/02/2020	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	MO 63101	Referral

12/31/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	DC 20019	Referral

12/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 10803	Phone

12/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20743	Web

12/03/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NY 10530	Web

12/03/2019	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	PA 171XX	Web

12/02/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AL 35244	Web

11/21/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 93401	Referral

11/13/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 78217	Web

11/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77098	Web

11/09/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89031	Web	Servicemember

11/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NC 28214	Web

10/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

10/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63116	Web

10/18/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33837	Phone

10/18/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33418	Web

10/16/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 60462	Web

10/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 39042	Web

10/07/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28711	Web

09/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 74134	Web

09/21/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44241	Fax

09/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29180	Phone

09/11/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

08/26/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94133	Web

08/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32751	Web

08/21/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33679	Web	Servicemember

08/21/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63123	Web

08/20/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92883	Web

08/20/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92618	Web

08/18/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 44446	Web

08/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29406	Web	Servicemember

08/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95376	Phone

08/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

08/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29229	Web

08/02/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75040	Web

07/31/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 92663	Web

07/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30126	Phone

07/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 39870	Web

07/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 12601	Phone

07/16/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30308	Web	Servicemember

07/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30309	Web

07/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27534	Web

07/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone

07/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29349	Postal mail

07/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28269	Web

06/29/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34986	Postal mail

06/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78228	Web

06/25/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93449	Phone

06/13/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt		Fax

05/31/2019	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	PA 15025	Web

05/20/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19131	Web

05/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90025	Fax

05/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 38655	Web

05/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11552	Web

05/06/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	LA 71064	Web

05/02/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DC 20024	Referral

04/30/2019	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	PA 15025	Web

04/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92656	Web

04/12/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MI 48307	Phone

04/10/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48312	Web

04/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11249	Web

04/04/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	DC 20011	Web

04/02/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WA 98021	Web

04/01/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32514	Web

03/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10301	Web

03/24/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48312	Web

02/11/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 33991	Web

02/07/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78640	Web

01/31/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33917	Web

01/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80831	Web

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

12/18/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WV 25976	Web

12/12/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11434	Phone

12/03/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77075	Web

11/30/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD 20874	Web

11/16/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48359	Web	Servicemember

11/08/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 93030	Web

11/08/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77377	Web

11/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11937	Web

11/05/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IN 46074	Web

10/30/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Postal mail

10/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19015	Web

10/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28461	Web

10/25/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92057	Web

10/24/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 78163	Web

10/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19145	Web

10/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33417	Web

10/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76908	Web	Servicemember

10/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 15801	Web

10/10/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33143	Web

10/06/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 72117	Web

09/15/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 60453	Web

09/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32738	Postal mail

09/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30013	Fax

08/14/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28806	Web

08/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90045	Web

08/07/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30040	Web

08/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75028	Web

08/05/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60649	Web

08/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 545XX	Web

08/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75028	Web

08/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CO 80220	Web

07/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30184	Web

07/19/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 90045	Web

07/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70127	Postal mail

07/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77406	Web

07/02/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TN 37074	Web

06/28/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33424	Referral

06/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30319	Web

05/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77494	Web	Servicemember

05/16/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90048	Web

05/08/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 10011	Web

05/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11429	Web

05/07/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63368	Web

05/03/2018	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	AL 36312	Web

04/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20011	Phone

04/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77084	Web

04/16/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 29926	Web	Older American

04/04/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77028	Web

04/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78611	Postal mail

04/01/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 10018	Web

03/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 79705	Web

03/16/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77036	Web

03/15/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30068	Web

03/11/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75007	Web

03/09/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 91344	Phone

03/07/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07753	Fax

03/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30354	Web

03/02/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76502	Web	Servicemember

03/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76502	Web	Servicemember

02/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

02/08/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60440	Web

01/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30040	Web

01/23/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33467	Web

01/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75009	Web	Older American

01/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43571	Web

01/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30068	Web

01/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75115	Web

12/27/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32137	Web

12/21/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92014	Web

12/19/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	DE 19720	Web

12/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78216	Referral

12/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93921	Web

12/13/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 10509	Phone

12/05/2017	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	CT 06516	Web

11/22/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 80220	Web	Servicemember

11/17/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76244	Web

11/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28115	Postal mail

11/06/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79706	Web	Servicemember

10/21/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94563	Web

10/12/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30039	Web

10/05/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 93065	Web	Servicemember

10/02/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30228	Web

09/07/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95126	Referral

08/29/2017	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 Their investigation did not fix an error on your report	FL 32301	Web

08/22/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 70301	Web

08/10/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75070	Web

08/09/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 45040	Postal mail

07/17/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33881	Web

07/11/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34997	Phone

06/29/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	DC 20015	Web

06/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33976	Postal mail

06/19/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28277	Web

06/16/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 92620	Web

06/15/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30076	Web

06/05/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30355	Web

05/25/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 23456	Phone	Servicemember

05/23/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80227	Phone

05/15/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11520	Referral

05/15/2017	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 31525	Phone

05/09/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	LA 70065	Web

05/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 31005	Web

05/04/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	ID 83201	Postal mail

04/25/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10705	Web

04/24/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 91335	Web

04/19/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MN 55433	Web	Older American, Servicemember

04/10/2017	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	OH 45103	Web

03/28/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 79912	Web

03/26/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 19143	Web

03/04/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 77622	Web

02/20/2017	Yes	Credit reporting	Incorrect information on credit report Account status	NY 14624	Web

02/10/2017	Yes	Debt collection Medical	Communication tactics Called outside of 8am-9pm	IN 46321	Phone

02/10/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MD 20774	Web

02/09/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95128	Web

01/30/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	PA 18436	Web

01/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20706	Web

01/19/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	CA 91505	Web

01/09/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30066	Web

01/07/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48150	Web

01/02/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 90265	Web

12/23/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	WV 25177	Web

12/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30318	Phone

12/19/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 94563	Web

12/18/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	SC 29414	Web

12/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CT 06902	Web

11/18/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect		Phone

11/18/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MO 63367	Web

11/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11701	Web

11/15/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32714	Web	Older American

11/11/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	VA 23181	Web

11/08/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 14850	Web	Older American

11/02/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	SC 29650	Web

10/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	AZ 85355	Postal mail

10/06/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 21133	Web

10/05/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NC 28204	Web

10/03/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OK 74126	Web

09/29/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	PA 17408	Web

09/20/2016	Yes	Debt collection Auto	Communication tactics Used obscene/profane/abusive language	TX 75935	Web

09/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NM 87111	Postal mail	Older American

09/06/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 79934	Web

09/02/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 90503	Web

08/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30097	Web

08/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11219	Web

07/13/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30269	Web

06/30/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	AL 35242	Web

06/29/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 19038	Web

06/24/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94560	Web

06/13/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	VA 20152	Web

06/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30080	Web

05/31/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30046	Web

05/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33914	Web

05/25/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NJ 07970	Web

05/04/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TX 76052	Web

04/26/2016	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	CO 81501	Web

04/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	NY 11210	Web

04/25/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	CA 90723	Web

04/20/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	CA 93010	Web

04/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11238	Postal mail

04/18/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 33619	Web

04/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 94608	Referral

04/11/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NY 13750	Web

03/31/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32609	Web

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

03/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 63010	Web

03/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 11430	Web

03/04/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 31093	Web

02/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 94115	Web

02/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 90293	Phone

02/17/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	TX 77042	Web

02/10/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	CA 90604	Web

02/08/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me instead of my attorney	FL 32137	Web

02/04/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	UT 84015	Web

01/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33321	Web	Older American

01/13/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 90731	Web

01/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 22304	Web

12/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75022	Web

12/17/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77380	Web

12/17/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 22304	Web

12/12/2015	Yes	Debt collection Auto	Taking/threatening an illegal action Threatened to sue on too old debt	VA 24054	Web	Older American

12/04/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 92056	Web

12/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93313	Web

11/20/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	GA 30358	Referral

11/19/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 90035	Phone

11/17/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33401	Web

10/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85255	Web

10/02/2015	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	TX 75034	Fax

09/20/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	NY 14620	Web

09/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 43147	Web	Older American

09/10/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 75034	Web

08/21/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 10463	Web

08/19/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NY 11206	Web

08/12/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NJ 07076	Web

08/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43430	Referral

08/06/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NY 11204	Web

07/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 45040	Web

07/20/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	GA 31411	Web

07/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30044	Web

07/10/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75013	Web

07/06/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	GA 30355	Phone

06/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	KY 41121	Phone	Older American

06/15/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30306	Web

05/25/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MD 20783	Web

05/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30024	Web

04/21/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 95678	Web

04/13/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 95127	Web

04/07/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 93223	Web

03/25/2015	No	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	FL 34974	Web

03/23/2015	No	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NY 10989	Web	Older American

03/17/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 90621	Phone

03/12/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 93720	Web

03/11/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32118	Web

03/09/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	CA 93535	Web

03/07/2015	Yes	Debt collection Medical	Communication tactics Called outside of 8am-9pm	CA 91201	Web

03/05/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 37912	Web

03/04/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 91201	Web

03/02/2015	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	CA 92054	Phone

03/02/2015	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	WV 26320	Web

02/26/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 28754	Web	Older American, Servicemember

02/17/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30342	Web

02/12/2015	No	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	CA 94509	Web

02/06/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IN 47025	Web	Servicemember

02/04/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IL 60438	Web

01/28/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 10029	Web

01/26/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	DE 19702	Web

01/17/2015	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	NY 10024	Web

01/06/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TN 37363	Web

12/05/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 37172	Web

12/05/2014	No	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	LA 70501	Web

12/05/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	LA 70501	Phone

12/01/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NY 11740	Web

11/18/2014	No	Debt collection Medical	Communication tactics Called outside of 8am-9pm	CA 91607	Web

11/16/2014	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30047	Web	Servicemember

11/10/2014	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77477	Web

11/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30296	Web

11/05/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 60538	Web

10/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33178	Web

10/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MS 38652	Phone

10/06/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TN 37043	Web

09/03/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30043	Web

08/16/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 91306	Web

08/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30815	Web

08/07/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10119	Referral

08/01/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OH 45106	Web

07/31/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 22191	Web

07/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94087	Web

07/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95106	Phone

07/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92626	Phone

06/26/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33428	Web

06/25/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 44124	Web

06/25/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 34638	Referral

06/24/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NY 11746	Web

06/12/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 94583	Web

04/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 07095	Referral

04/10/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MD 20878	Referral

03/18/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 75077	Web

03/17/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	GA 30144	Web

03/13/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77546	Web

03/04/2014	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	MO 65349	Web

02/25/2014	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	OR 97452	Web

02/18/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33569	Web

02/12/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77630	Web

01/16/2014	Yes	Credit reporting	Incorrect information on credit report Account terms	OH 44266	Web

01/10/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 78541	Web

12/28/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75025	Web

11/20/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95014	Web

10/26/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30046	Web

09/25/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 44203	Web

09/22/2013	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NY 10314	Web

09/19/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OH 44128	Phone	Servicemember

08/06/2013	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NY 11217	Referral