| 08/12/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XXXX I received my first notice/bills from Carter Business Services , Inc ( the collection agency ) in XXXX, MA in the amount of {$1.00} for services provided on XX/XX/XXXX and {$59.00} for services provided on XX/XX/XXXX. These two notices informed me that XXXX XXXX, XXXX has released my personal and individually identifiable health information ( PHR ) to Garter Business Services in order to collect the outstanding balances. Prior to these two bills/notices I have paid all my medical bills to XXXX XXXX XXXX. I have never received any bills from XXXX XXXX, XXXX. The transfer of my personal information and PHR was done without my knowledge or my authorization and violated HIPAA regulations and Massachusetts Privacy Act. I mailed a letter to XXXX XXXX XXXX Privacy Officer on XX/XX/XXXX and requested a rescind of my all personal information and my PHR from Carter Business Services , Inc and deletion of any adverse information on my credit report. I also requested a written response within 10 days but have not received any response.
I called Carter Business Services, Inc on XX/XX/XXXX and XX/XX/XXXX and provided them with copies of all my medical bills paid to XXXX XXXX XXXX. I also called my medical insurance, XXXX XXXX XXXX and it was confirmed that my annual deductible has been met. I disputed the claim from Carter Business Services, Inc in writing by sending them a letter dated XX/XX/XXXX and requesting a validation of the alleged debt to XXXX XXXX, XXXX. I also informed the Carter Business Services , Inc of " breach of security '' with respect to my personal information and unsecured PHR without my authorization.
I received a written response from Carter Business Services , Inc dated XX/XX/XXXX referring to the attached paperwork as a copy of the " itemized bill ''. It had a balance of {$61.00}. The paperwork contained more sensitive individually identifiable health information ( PHR ) with names of procedures, referring doctors and medical tests conducted during the year XXXX.
On XX/XX/XXXX I mailed my response stating that the copy of the itemized bill has no viable evidence, bearing my signature that I have any contractual obligation to pay the alleged debt. Also, Carter Business Services, Inc have not provided me with any agreement that grants them the authority to collect.
I mailed another letter to XXXX XXXX XXXX Privacy Officer and XXXX XXXX, XXXX dated XX/XX/XXXX asking them to rescind all of my personal and PHR from Carter Business Services , Inc and requested that all adverse entries on my credit report by Carter Business Services , Inc be deleted immediately.
Please feel free to contact me by phone at XXXX.
Thank you.
XXXX XXXX.
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| 04/29/2022 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Good Afternoon, I received a letter from Carter Business Service , Inc. attempting to collect on a medical debt from 2015. This debt is time-barred under Massachusetts law XXXX M.G.L. c. 260, sec. 2 clearly states that " [ a ] ctions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section one or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues. '' However, the letter clearly threatens to take legal action against me in violation of the Bureau 's Regulation F, 12 C.F.R. 1006.26 ( b ), which states that a " debt collector must not bring or threaten to bring a legal action against a consumer to collect a time-barred debt. '' The letter, in relevant part, reads " [ w ] e regret that our client may need to take further action to protect their interests! Should you prefer to avoid this action and make arrangements, please contact us today. '' Moreover, the letter does not disclose, in any way, that the debt is time-barred. I had to do a XXXX search to figure out whether the debt collector could still collect on the debt- which they can not. This failure to disclose that the debt is time-barred is a deceptive practice under the Consumer Financial Protection Act ( " CFPA '' ) as outlined in numerous CFPB enforcement and consent orders against debt collectors dealing with time-barred debt.
The letter is also materially misleading. It claims that I owe {$750.00} in one place but the payoff amount is {$900.00}. It is unclear which amount I actually owe.
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| 11/14/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This " debt '' is regarding a simple XXXX performed by a doctor in XXXX on XX/XX/XXXX. The test usually cost between {$200.00} and {$400.00} ( market rate ) and with an insurance plan discounts it usually costs between {$100.00} to {$150.00}. This doctor billed {$2900.00} for the simple test which was reduced to {$1900.00} with plan discounts, but still a mysteriously large bill. I asked for details and was stonewalled, but eventually after a lot of calls and paperwork got the itemized bill. The doctor billed it through XXXX XXXX XXXX as a hospital visit, even though it was an ordinary office visit. Moreover, duplicated charges by the doctor, the hospital, and another doctor were billed for the same items ( billing codes ).
I paid both the doctor 's bill promptly, but I disputed the hospital bill because it simply was not a hospital visit. The hospital refused to acknowledge the dispute and simply started sending me the same bill repetedly, threatening to turn it over to collections. I asked detailed questions on how they coud charge ten times what it normally costs. I was again stonewalled. The bill was turned over in XX/XX/XXXX to a debt collection agency, XXXX XXXX XXXX in Massachusetts that specializes in medical debt.
I am flabbergasted as to how a hospital can simply send a massive bill and then turn it over to collections despite an outstanding dispute.
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| 01/29/2023 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received a debt collection notice for a medical debt which was inappropriately sent to collection. XXXX XXXX mistakenly did not bill my insurance, and I called every month to correct their mistake. I even had a three way conference call with both the insurance company and the billing office, and they all assured me it was taken care of. After this, the debt was sent to collection, I assume because their repeated mistake took them out of the window of time where they were allowed to submit a claim.
I contacted the debt collection agency and explained this situation and received no response, but further calls requesting I pay. I should not be required to pay for XXXX XXXXXXXX XXXX mistake, after also paying my insurance premiums. It became increasingly clear that they had no intention of fixing their mistake. It is also clear that this debt collection agency is attempting to collect inappropriately, after receiving this information.
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| 08/09/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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I received hospital care last XXXX. Part of that was a consult from XXXX XXXX XXXX XXXX XXXX. My name on the bill received was incorrect. I contacted XXXX and told them the amount was covered by my medical Insurances and I gave that information. However, I kept getting bills. I spoke to XXXX multiple times. I wrote two letters. I was told multiple times, that this will be taken care of and I would hear back. This has not happened. It was like starting over with each person I talked to- they appeared to have no knowledge of the information I had provided or my attempts to correct this error on XXXX 's part. At XXXX 's request, I called XXXX who told me the bill was paid.
Now I have been contacted by a debt collection agency. Carter Business Associates- who states I owe this amount to XXXX XXXX , who I have never had any dealings will.
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| 09/19/2023 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I had small balance due to XXXX XXXX XXXX ma from procedure medicare did not completely cover i had set up payment schedule with thwm XXXX XXXX month which i was paying sometimes week later than date they set but consistentally paying few times {$20.00} due to other payments due other places but never stopped paying before i knew it they turned it over to collection agancy for no valid reason i started paying them with no missed payments and they started calling me on phone wanting full payment of {$43.00} paying them XXXX XXXX month wasnt good enough as planned whole process of being turned over to debt collection was totally unnecessary and to me is form of harrassment by medical agency and further by debt collector not wanting to settle for last few payments deciding to harrass on phone
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| 05/08/2017 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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Received a bill from XXXX XXXX of {$900.00} in XXXX . Called and sipited online ( see email attachments ) The next thing I know I received a letter from Carter business service a debt collector with a different amount of {$1900.00} ( a mount I was never aware of ) d ated XXXX / XXXX / 2017 . Sent a debt validation on XXXX 17 got a replied XXXX and my credit report was hit with the collection within the 30 days thus violating my Fair Debt Collec tion Practice Act. It has been reported to the bureau within the 30 days. See attached I am filing a complaint re : wrong amount and violation of my rights.
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| 01/19/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I paid a medical bill for a medical visit on XX/XX/XXXX but still received a notice from Carter Business Services. I received the letter on XX/XX/XXXX, and called them immediately to let them know about the situation.
1. Instead of providing me with the validity of the debt, they asked me to prove that I paid the bill in full. However, I checked my patient account and it clearly does not have a complete record.
2. The debt collector used the wrong address when they tried to collect the debt.
3. I asked them if they will withdraw the notice if this is a mistake and they refused to answer or explain further.
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| 02/21/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Hello, I am written to you for help on my derogatory remark on my credit report. I have a collection payment on my report. This medical collection is 2 years and 6 months old. I don't have the exact date and documentation of when I got it. At the time I was inexperienced with my credit, but now I trying to improve my credit score. Also I was unemployed at the time to repay the collection debt. I am trying to repay my collection and was seeing if you would be able to as a goodwill gesture to remove my derogatory mark.
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| 01/17/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Carter Business Services is still reporting medical debt of less than {$500.00} on my credit report which is no longer supposed to be happening in 2023 ( see XXXX XXXX XXXXXXXX ). I opened a dispute with XXXX and asked them to remove this debt in accordance with the 2023 changes in credit reporting but they did not remove it and said that the debt in the amount of {$320.00} was " verified with Cater Business Services ''. The original creditor was XXXX XXXX ( an ambulance service ).
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| 07/07/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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i have a son XXXX XXXX XXXX years old that get this bill front XXXX hospital in XXXX/XXXX/XXXX, my son move out my house and dont pay this bill, now they try to make me to pay this bill, puting this one in my name went i never was that bills responsable..
they send this bill in my name, now XXXX/XXXX/XXXX this collections agency try to get the monney front me, until my son is the respomsable for this bill..
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| 02/02/2024 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/24 a supposed debt was recorded against my credit file, I contacted Carter Business service and was responded to by a representative named XXXX.
I asked for confirmation of the debt and that I would be disputing the debt as it is not mine, he has not responded to claims and I have received no form of communication from this company about a debt I supposedly owe
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| 09/04/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I was contacted by Carter Business Services , Inc. regarding a bill from XXXX XXXX XXXX. This bill was paid in full on XX/XX/2022.
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| 07/06/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Phone |
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| 01/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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| 07/24/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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| 03/19/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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| 03/19/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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| 02/05/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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