CHS, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/09/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 24551	Web
In XXXX of XXXX, I had an XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, VA. I was a new patient to the office. They were given my accurate personal contact info, as well as my insurance info. There was a separate physician involved in the reading and interpretation of the XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Her office generated a separate billing for her service ( {$92.00} due after insurance was processed ). I received the billing and Insurance EOB for the actual XXXX in a timely fashion. The Dr who interpreted the images, her office failed to have on record my address info. I NEVER received a billing for her services. After several months of non-payment, they turned the account over to XXXX XXXX XXXX in XXXX, VA. They also had no address info to accompany the collection account, so they never contacted me either. In generating a personal credit report in XXXX of XXXX, I discovered the collection account on my credit report. I contacted XXXX, they had to track it down and explained why I never received notification of the collection status from them ( lack of contact address ). I called the medical office, who stated they indeed had no contact address for me ( why the initial registration info was not transferred to them, I do not understand ). They stated they would submit an explanation to the credit reporting agencies ( which they did not ). I promptly paid the bill ( {$98.00} on XXXX/XXXX/XXXX ) to XXXX XXXX XXXX. I filed a dispute with details to XXXX in XXXX XXXX. I filed a consumer statement on my account in XXXX XXXX, because it still showed as unpaid. XXXX continues to show the obligation as unpaid. I have tried to work with them in order to have the status reflect the bill has been paid. They have not corrected the account to reflect this. I did ask for a consumer statement to be recorded on my file, but the account needs to be posted as paid. Also, it was not any fault of mine that this account was turned over to collection, yet I am suffering due to the office 's lack of follow through in obtaining my billing address. I request assistance in having this account posted as paid back on XXXX/XXXX/XXXX, and what can be done as far as the unfairness of it going to collection in the first place? I have attached my bank transactions showing the payment being posted to XXXX on XXXX/XXXX/XXXX. Also the paperwork showing original amount due to XXXX XXXX office.
06/22/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 241XX	Web
When SCA Credit first contacted me, about a bill with XXXX XXXX, I had informed them that I'm only able to pay {$25.00} a month, because already I'm paying on another bill from XXXX XXXX. The man I had spoken with, told me that paying {$25.00} would be harmful for my credit, and in order for the harm on my credit, I would have to pay at least {$50.00} a month. I repeatedly told I'm only able to pay {$25.00}, and kept pressuring me to pay the {$50.00} a month. I asked him why couldn't that bill be added/connected so that I could have only one bill to pay, instead of paying multiple places, for one biller. He told me no, that would be illegal, because it's double billing. I'm paying for a bill directly to XXXX XXXX, from a past XXXX. The bill that SCA Credit hold possession of, consist of two separate bills, to the same company. He finally eased up, and put in my monthly of {$25.00}. In XXXX, I had missed a payment, but in around XX/XX/XXXX, I was able to catch up, and pay for XXXX and XXXX, of $ XXXXThis past Thursday, XX/XX/2022 I received a phone call from SCA Credit Services , saying that I was one payment behind, and the lady was pressuring me to pay both this month 's bill and the one I already payed. I told her that one was being sent to the company. She kept pushing, and pushing, asking how I would like to pay. I told her that I couldn't pay, because I have other bills to pay. She made feel, as though I intentionally, and recklessly had the bill created, and have it marked, about me not paying more then {$25.00}, and it'll go against my credit. Today, ( XX/XX/2022 ) I received a letter, stating that " they've done all they could do, and to keep from further collection of the original debt, I would have to pay the full amount of {$670.00}. '' Seems as though they are suggesting that legal action is in the cards, even though I've been paying, and did pay {$50.00} around XX/XX/2022. With the attached files, you will see the last month 's bill, showing what I'm paying, my bank statement showing that I've been paying, and the letter they had sent me.
06/16/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	VA 245XX	Web
I would like to register a complaint against XXXX XXXX in XXXX, Va for questionable billing practices. I had a XXXX by a local XXXX on XXXX XXXX, 2015 and had an out of pocket bill for {$200.00} total. The XXXX practice XXXX XXXX XXXX XXXX XXXX XXXX was purchased by XXXX about the same time as the XXXX and they ( XXXX XXXX took over the billing process. I received the XXXX bill during XXXX week in XXXX and remitted my XXXX payment XXXX {$80.00} XXXX on XXXX XXXX. I continued to remit my payments, on time, for the next XXXX billing cycles. I had sent {$160.00} ( 80 % of the bill ) by XXXX XXXX, yet was sent to a collection agency XXXX SCA Credit Services XXXX, Va XXXX saying I owed {$100.00} ( Case # XXXX ). I complained loudly to several XXXX billing services managers but all they could tell me was it was " the system 's '' fault. My response was that you have a " process failure ''. I have lived in this area all my life and personally know many XXXX employees. In speaking with XXXX she said " do n't feel bad they sent me to collections as well and my payments were being payroll deducted by XXXX ''. No one ever stated that this bill had to be paid in full on the XXXX payment nor did they advise me that I was being sent to a collection agency. I am neither poor or under insured but I have a grave concern that this could have a devastating effect on a family that was struggling financially. A blemish on the credit score of a poor family could be potentially catastrophic! XXXX XXXX should use excellent patient care and ethical billing practices to drive its business model, not greed and avarice.
09/24/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	VA 245XX	Web
I had XXXX medical bills that were extremely high to pay. I was told to submit an application for financial assistance. On XXXX separate occasions I was contacted by letter being advised that they needed some additional info., which was provided each time. The process took quite some time, but it was eventually processed, and during this time I told time that I would pay what I could, which I did. During this time the health center 's billing dept. turned this acct. over to collections ( SCA ) and they took little to no time placing it on my for credit report. After my application was finally reviewed and approved, the bill was retracted and adjusted. The health facility took full responsibility for their error and retracted the bill, so when I call SCA they said the balance had been taken care of and that I owe {$25.00} which they were advised was already paid, they said they never posted anything on my credit report, which was n't true, I told the gentleman that I 'm sitting here looking at my credit report. The next day I called back and spoke with another rep. and was told they would be updating their information on the XXXX of the month, well here it is the end of the month and no update, the acct. still shows as being in collection, status is still unpaid and acct. still open. This has been a total waste of my time dealing with them and they clearly do n't care and have dropped the ball pertaining to my account.
06/29/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 24112	Web
Was called not mailed a letter by collection agency about a XXXX debt. Sent letter of dispute as had set up payments with creditor XXXX for hospital bill. XXXX sent me a response saying they couldnt accept payments as it was part of a lawsuit and since my lawyer requested documents for an auto accident they couldnt talk to me. I explained the debt with the XXXX was not related to the accident that I wanted to pay it off. I contacted sca and they told me it was sent back to XXXX and they didnt have an account in my name. I sent letter asking for validation of debt Never received validation. Never received any letter from XXXX saying debt was going to collections. I want this removed from all my credit reports ASAP and for XXXX to send me a validation letter and also sca to provide me with why they didnt send a validation letter and why they said they couldnt take payments since it was involved in a car accident when it was not. I made payments on the XXXX account in XXXX before this all happened and was told once they received my payment they would reset the payments and start the billing over for me to get it paid off. Then I never heard back and got a call from sca. This is a violation of debt collection its a violation. Not validating the debt after request and its a violation of patient rights as my medical records were sent to a third party violating hippa I want this removed from my credit report ASAP.
02/25/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 24073	Web	Servicemember
I contacted XXXX XXXX XXXX on XX/XX/19 regarding a letter I received in an attempt to collect XXXX. I asked if these claims had been filed through insurance and was told that it was simply too late to file ( regardless of the fact that I told her we had issues with our insurance company during the time of the claims ) and that this amount would be added to my credit report by XX/XX/XXXX if I do not pay regardless of payment arrangements. When I contacted the insurance company, they were more than happy to begin the process of refiling the claims as it was no fault of my own that they were denied. In my opinion, this was a deceptive tactic to collect monies owed rather than inform me of my options. She did tell me I could follow up with insurance, but then said it was too late. This felt like she was leading me not to follow up by saying, " At this point it's too late for insurance to be filed. Most insurance companies only have window of time that claims can be filed. Outside of that window they will be denied ''. XXXX also told me that they remove negative impacts from credit reports once they are paid in full, but I paid off a medical collection bill with them quite some time ago that still remains on my report after I was promised it would be removed.
03/03/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 24112	Web
I was sent a letter that XXXX was closing and the bills would be sent to XXXX XXXX XXXX. So I waited for a bill to pay because if they are closing how do I pay. Instead of it being sent to XXXX XXXX XXXX it is sent to collections without notice. I can not get any one from XXXX on the phone after weeks of calling no one answers. I had called XXXX to pay the bill and set up payment and they said it was never sent to them. Sca credit services refused to send it to XXXX XXXX XXXX and claim they never heard of such a thing.also then called XXXX they said I have to set it up online but then I told the guy I dont have a statement to set up the act and he said to Contact XXXX but no one ever answers So this is nuts. If they dont want my money I cant even do anything about it because they are closed ... the bill is not with XXXX and I will never send a dime to a collection agency that is attempting to hold onto my bill through extortion and fraud means.
01/05/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 24501	Web
I fully 500 % agreed XXXX XXXX patient billing should of inform that there is two separate payments one for Hospital doctor and one for Hospital But they kept taking payments. Not until end of XX/XX/2018 did I find out about the need for two payments needed to become made. So now need to go under a {$10.00} payment agreement and after three months of faithful payments no longer a negative on our credit report. Yes needs to be reported to XXXX XXXX billing the glitch that did happen. For I would of gladly of made two payments but I honestly did not know I needed to do this. But once I found out I took proper action as clearly shows I did. Sum it up Now needs to be put on a {$10.00} payment agreement and prayerfully set up to become started XX/XX/2018 and in XX/XX/2018 after making three month of faithfully payments. Negative become removed from my credit report than. XXXX XXXX XXXX XXXX
12/30/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 24501	Web
Hospital never told me I need to make a separate payment ( 1 ) For hospital ( 1 ) Hospital doctors Found out toward end of XX/XX/XXXX So need doctor part put under a low payment agreement {$10.00} a month After see faithfully at paying starting to become removed not as a negative on credit report as is now .So can rebuild my credit to 600 by prayerfully the middle of XXXX for by end of XXXX my home will become Solar energy ( If possible combine into one not several plus as is now on account ) Ask XXXX XXXX XXXX Va for copy of payments been paying toward hospital faithfully and see none toward the Hospital doctors but was never told there was two and both completely separate from each other I would of added this medical expense and been paying on it all ready. Will pay through XXXX XXXX XXXX as long as receiving payment
08/05/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 24502	Web	Older American, Servicemember
Receive a letter on XX/XX/19 from SCA credit services of XXXX case number XXXX. Called today at XXXX to explain that I never received a bill from XXXX. She said that they typically send out three notices. But that she did not have proof of the dep and that is was not her job to provide proof of the dept. I requested the original bill or proof of a bill, She said she would mark the account as client refused to pay. She told me to contact the post office. I told her I would pay as soon as I could review the original bill and proof of the dept, She refused to take this note and would not provide proof of the dept. She hung up on the call after refusing to provide proof or to take a note for the record that the bill was never received.
09/28/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 240XX	Web
I called on XXXX/XXXX/XXXX and asked about a XXXX negitive mark / bill on my credit report. I asked if they could do a settlement because I need that mark removed.i was told that they do n't do settlements and that I could make payments or pay in full and then it would be removed ones all of the money was paid. I said ok can I get all of that in writing. The lady said yes verified my address and said she would send it right out. On XXXX/XXXX/XXXX I I got a letter in the mail saying that I owe XXXX and I had a payment due XXXX/XXXX/XXXX. When I did not respond I got another letter that was out of line with false statements I never made and a higher amount than the last letter XXXX at this point I do n't believe I owe any of this bill.
03/21/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NC 27591	Web
SCA Credit Service, XXXX, Virginia, is falsely reporting to XXXX and XXXX that I owe a medical debt ( {$76.00} ) that I do not owe. I am a XXXX XXXX XXXX Veteran, and my medical care is 100 % free at the XXXX Medical Centers. SCA Credit Service is communicating to the aforementioned credit reporting bureaus that I owe XXXX XXXX this debt. SCA 's false reporting has negatively impacted my credit report, and caused my credit applications to be disapproved. Please help me correct this problem ; I have already filed grievances to the credit bureaus unsuccessfully twice.
11/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OR 97124	Web
SCA Credit Services, is trying to collect the PPO discount amount from medical bills that were paid in full. We have repeatedly sent Explanations of Benefits with the claim numbers showing that the claims were paid according to the agreed upon discount between the provider and the insurance company. SCA Credit Services, XXXX XXXX XXXX XXXX, XXXX, VA XXXX In regards to : XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX In looking through the documents I'm finding several different account numbers. Maybe this is adding to the problem.
05/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 243XX	Web
I have received a copy of my credit report and it shows company SCA CRED SVC ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$110.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
12/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 24151	Web
I have called this company multiple times to get my account number to pay my debt, every time I speak with the representatives here in XXXX, Virginia, they are rude even though I am trying to pay. They won't take payment over the phone. They stated they are sending me the information in the mail multiple times and I never get anything. I made sure they had my correct address and everything. They will not send me anything. My credit score is being affected by them.
10/12/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 241XX	Web
I have made a payment on my medical bill to the debt collector, on XX/XX/2022. I had received a letter on Friday, XX/XX/XXXX, stating that I did not pay my bill for XXXX, and that they have done all they could do to collect. I have attached my bank statement, showing the date when my payment went out, as well as the letter showing they have exhausted every effort, and option to collect payment.
01/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 243XX	Web
On my XXXX credit report it is showing two collection accounts. I have made them aware on two different occasions that the contract was cancelled for these two collection accounts. They state that the accounts belong to me, but when asked they were not able to produce a contract that shows I 'm responsible for those payments.
05/19/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	VA 241XX	Web
XXXX XXXX XXXX reported four accounts under collections on my credit report and said they would remove them but to date has not removed them. XXXX XXXX XXXX is quick to report but taking their time to fix their mistake and in the meantime they are hurting my credit for their mistakes.
01/02/2016	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	VA 240XX	Web
I did n't know these were not paid unti after they were in collections I do not recall the dates of service and the bills may have been included in a bankruptcy filing. I tried to set up payment and received on letter then no more communication. Left more than XXXX message.
01/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23220	Web
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.
05/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 241XX	Web
XXXX XXXX XXXX has reported open accounts in collections on my credit report that should have not been. All bills from XXXX where on hold by my attorney pending a lawsuit and all have been paid in full.
01/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 11221	Web
I always have my insurance on me, these debts from the medical room can not be my fault, Ive paid and my insurance has and my credit is terrible.
06/30/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 24382	Web

11/16/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 24012	Web

12/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23223	Web

07/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

08/07/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 24121	Fax

04/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 24013	Web

03/15/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 24054	Referral

10/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 24121	Web

03/06/2017	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	VA 24134	Web

08/11/2016	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	VA 24019	Web	Older American

07/13/2016	No	Debt collection Medical	Communication tactics Threatened to take legal action	VA 24179	Web

03/14/2015	No	Debt collection Medical	Communication tactics Frequent or repeated calls	VA 24017	Web

01/28/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 48393	Referral

01/08/2015	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	VA 24630	Web

08/05/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	VA 24073	Web

04/23/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 24382	Web

03/22/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	VA 24523	Web	Servicemember

02/26/2014	No	Bank account or service Other bank product/service	Account opening, closing, or management	FL 33306	Postal mail

09/12/2013	No	Debt collection Medical	Communication tactics Frequent or repeated calls	VA 24014	Web