Community Health Investment Company, LLC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/28/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20735	Web
On XX/XX/XXXX, I received out-patient services at XXXX XXXX XXXX XXXX in XXXX, XXXX. The remaining balance of my bill ( after insurance payments & adjustments ) for the services, was {$360.00}. I received the first bill from the hospital and the payment due date was XX/XX/XXXX. On XX/XX/XXXX, I made a {$50.00} payment ( confirmation # XXXX ). After making the payment, I received a letter from the hospital stating that the " payment did not qualify for monthly installments ''. I called to set up a formal AUTOMATIC debit payment of {$26.00} per month to be debited the FIRST of each month. Every single payment has been honored by my bank upon representation with the exception of the XX/XX/XXXX payment. I realized in XXXX that the debit card that I used to set up the automatic payment had expired. Therefore, I initiated a call to pay the {$26.00} ( confirmation # XXXX ). Beginning with the XXXX payment, the {$26.00} resumed automatically ( confirmation # XXXX ). My complaint centers around collection notices that are sent to me each month. I contacted the hospital and was informed that all accounts are sent to a monitoring/collection agency when they are NOT paid in full upon receipt of the bill. The hospital said that I should not be receiving collection notices ( XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) and that they are not the ones sending the notices. I contacted the collection company and was informed that collection notices were sent to me because the wrong payment date was in the computer system and the date was now corrected. The company also informed me that though I was in receipt of collection notices, they had not reported my account to the credit bureau. When I asked why I was receiving collection notices, no one could provide a reasonable reply. Is this a new wave? Sending collection notices to consumers who are paying on time? My last attempt to resolved the issue was XX/XX/XXXX. In an effort to resolve the above issue, on XX/XX/XXXX, I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX ( complaint # XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA because I was a resident of XXXX. I am now a resident of XXXX. The XXXX XXXX XXXX ( XXXX ) forwarded a copy of my complaint to XXXX XXXX XXXX XXXX. On XX/XX/XXXX, the XXXX sent me a letter stating that " XXXX has made multiple attempts to contact the business, but has not received a response. Our policy in this case is to close the complaint as No response, which will be reflected in the business 's XXXX Reliability Report. '' Last week I received another collection notice. I contacted the agency on XX/XX/XXXX. The representative said that in XX/XX/XXXX my account was being " monitored '' and that perhaps ( her assumption ) because the XX/XX/XXXX payment was late by 5 days, and the account is considered " old '', it was sent to " collections ''. The representative also said that as long as I continue to pay my account on time, no reports will be filed with the credit bureau. I find it difficult to image that a company looking at the overall payment history of an account would send it to collections because it is 5 days late. I further reiterate that I initiated a call to the collection company in XXXX to ensure that my payment was received. With the exception of the XX/XX/XXXX payment, following are the automatic payments of {$26.00} made to Account Number XXXX with XXXX XXXX XXXX , XXXX, all of which have been honored by banking institution. As a consumer I have not missed any payments nor have I ignored my responsibility. Following are the XXXX payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As resolution I am respectfully requesting that all collection notices cease and that a letter be sent to me stating that no reports have been made to any credit reporting agency. I furthermore request to know if the conduct of collection agencies is now to send collection notices to consumers who are paying on time. As a consumer, I consider the collection notices being sent to me by XXXX XXXX XXXX as abusive and an unfair business practice, because my account is being paid on time and as agreed.
01/20/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	AL 36535	Web
I had an emergency room visit and my health insurance did not pay all of the amount. - I have a family member who is a XXXX, XXXX XXXX. She was going to try and reach some agreement with the hospital and the two other medical practices that are billing me. She spoke with XXXX XXXX, located at this number ( XXXX ) XXXX, which is the location of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, AL on XX/XX/2019. She requested the Medicare codes for each billed item. He would not provide this. She explained to him that I could not possibly pay {$8800.00} because I had just started to work after a number of years of unemployment. He offered to spread the bill over thirty-six months. Ms. XXXX told Mr. XXXX she would look at my income and expenses and be back in touch with him within thirty days to inform him of what I could pay. He told her that bankruptcy was probably my best course of action. - However, Mr. XXXX didn't wait anytime until he turned the account over to a collection agency, Professional Account Services, P. O. Box, XXXX, TN XXXX. I sent them a letter letting them know that a XXXX, XXXX XXXX was going to be contacting them for some additional information. The letter was sent on XX/XX/2019, to the address In XXXX, TN and they signed for this letter on XX/XX/2019. - Ms. XXXX contacted them by phone but they wouldn't provide any information that she requested. - Within, a couple of weeks based on my income and expenses we determined a monthly amount and the number of months that I could pay for the hospital bill. We sent the offer to the XXXX, TN address listed above. -What I received was a letter from Past Collectively Different, XXXX XXXX XXXX XXXX, XXXX , TN XXXX. It read " We are in receipt of your dispute letter regarding the above referenced amount, which was {$8800.00}. We have verified with our client that the charges are true and correct. Please contact our Customer Service Department at XXXX to discuss arrangements. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 14 usc 1692g, we have met the provisions set forth to validate this debt. ". I HAD NEVER DISPUTED THE CHARGE IN ANY CONVERSATIONS OR WRITTEN CORRESPONDENCE WITH THE HOSPITAL OR COLLECTION AGENCIES. - My complaint is that the collection agency refused to accept or even respond to my offer made to them. Rather than respond to the letter of offer sent to the XXXX address, they sent my account to another office for collection, This was obviously done to keep the collection process going. -My financial situation was not one of my own making. I lived in a town in XXXX Alabama, which had been a manufacturing town. However, the recession caused more and more companies to leave the area each year. Unfortunately,, I was tied to that area because I owned a house and could not sell or rent it. I was finally able to move and became employed in the last quarter ofXX/XX/2019. - I need the collection agency to consider the offer I made and to quit sending my account to other branches so they can continue the threatening letters.
03/20/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	MS 39180	Web
XX/XX/2014 I had XXXX at XXXX XXXX XXXX XXXX in XXXX Mississippi. As a result I managed to acquire XXXX separate accounts that I began receiving bills for. I asked the hospital to combine the accounts so I could make larger payments on XXXX account but they refused. The first XXXX accounts I managed to pay off fairly quickly. The XXXX and XXXX accounts I was still paying on when XXXX XXXX turned the larger of the XXXX remaining accounts ( the XXXX account ) over to Professional Account Services ( PASi ) for debt collection. Up to this point, all of my payments had been made directly to XXXX XXXX XXXX Systems. A representative from PASi called me at work and during this conversation I was told that it was ok to continue paying the hospital, but paying PASi was the same as paying the hospital, and that I should pay PASi. Told him I had no intention of paying the debt collector and that all of my payments would continue to go directly to the hospital. I explained to this representative that it was unfortunate that his company had gotten involved in a matter, as I could prove that payments were being made on all of the outstanding accounts, not just the one that had been turned over to his company. At this point the hospital was wanting me to pay XXXX a month on the account that they have not turned over to collections and PASi wants me to pay XXXX on the account that had been turned over to them. I had explained to them on more than one occasion that I could not pay their minimum balances. In XX/XX/XXXX, I received a letter from a law firm saying the account had been refered to them for legal action. I responded to the law firm with a letter of my own and explained to them the same thing I had been telling XXXX, and took the opportunity to remind them that I had been and still was paying the bill. I have now been supoenaed to court on XXXX XXXX. This suit was filed with XXXX County Justice Court on XXXX XXXX, 2014, a month BEFORE I received the letter from the law firm saying they were reviewing it for legal action. Why the law firm bothered to harass and intimidate me further when the debt had already been filed with Justice Court is beyond me. Why I 'm being harassed for a debt I 'm paying and now sued for a debt I 'm paying is beyond me as well. They say to call and make payment arrangements. I 'm already paying them, why should I make payment arrangements on something I 'm already paying? They were n't willing to work with me and combine the accounts. Why should I work with them and make a payment arrangement for something that 's being paid? Now, I have to miss time from work to go to court for this. I do n't understand why I was turned over to collections and sued when I have been and can prove that I have been paying them.
09/30/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 468XX	Web
I have 10 medical bills from three difference Doctor 's the total amount is {$1000.00}. My account number is XXXX with XXXX XXXX XXXX XXXX they also go by the name XXXX. On XX/XX/2018 at XXXX XXXX. I call XXXX and spoke with a representative by the name XXXX. I told XXXX that I have 8 others payment arrangements on other medical bills that I pay monthly. After talking with XXXX, myself and XXXX made a payment agreement plain that I would pay {$25.00} a month started on XX/XX/2018 and payment is due on the XXXX every month.On XX/XX/2018 I got a payment of {$25.00} due reminder statement letter from XXXX letting me know my payment is due by XX/XX/2018. On XX/XX/2018 I called and spoke with a live person form XXXX and made my $ XXXX monthly payment over the phone using my health saving account card my payment conforment number is XXXX. On XX/XX/2018 I called XXXX to make my monthly payment of {$25.00} the representative told me they sold my account. I asked for a supervisor the supervisor from XXXX told me her name was XXXX. XXXX told me she see where XXXX set up my payment agreement back on XX/XX/2018 and she is not sure why my account was sold on XX/XX/2018 to a company name XXXX XXXX after XXXX set up my agreement with me. I fill by XXXX selling my account to XXXX XXXX after our agreement and accepting my payment XXXX I suspect XXXX is making false or misleading representations and The FDCPA has broad and encompassing provisions against false or misleading representations ( 15 USC 1692e ). Section 807 prohibits a debt collector from using any false, deceptive, or misleading re By XXXX selling my account to XXXX XXXX they after our payment agreement XXXX broke Section 807 ( 10 ) prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.presentation or means in connection with the collection of any debt. XXXX misrepresentation my identity to XXXX XXXX by selling my account. A creditor may not use any name that would falsely imply that a third party is involved in the collection. Section 807 ( 2 ) prohibits falsely representing either ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by the collector. I would like for XXXX XXXX XXXX XXXX, / XXXX to pull my account from XXXX XXXX make sure that XXXX XXXX didn't add this collection to all three credit report report. If so I want XXXX and XXXX XXXX to remove this collection. want XXXX and XXXX XXXX to forgive this collection for all my troubles that I have do. I going to file 5 more complaint with other agencies. I want compensation from XXXX
08/25/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 17545	Web
I have been dealing with XXXX XXXX since XX/XX/2016 which required XXXX, major XXXX with complications and multiple subsequent XXXX of which I still have 2 more to go. I had 2 medical accounts that were sent to a collection agency by my hospital when I was trying to set up arrangements with them. They told me it wasn't a real collection agency and wont affect my credit report. So I just went with it and made arrangements with the collection agency to pay XXXX per month on both accounts. The balance on the accounts were XXXX and XXXX approx. I said I would like to pay online and that was agreed upon. From time to time the payment would not be accepted, saying I was not paying enough money even though I was putting in a payment for XXXX as agreed upon. So I had to call. They tried to tell me the payment was late which it was not. This happened a number of times and I got so sick of calling to have them reset things. Sometimes I just paid the additional amount they were asking for but I couldn't continue to do that. I have been paying down 4 other medical accounts, my son also needed XXXX XXXX in the middle of this .... It had become time consuming to handle all the paperwork and I wasn't feeling well. So in the middle of a bad month, it happened again and by the time, I had a chance to call, the payment was then late. As soon as that happened, of course, they reported it to my credit which I only learned about yesterday. I called yesterday and got blamed again for paying late. I was talked to like a child which made me so mad. Especially after the person I spoke with said something that I called her out on being untrue and then she completely contradicted herself. I told her that if this is the way they treated me, I won't be paying them off first and to bump me down to XXXX a month. So today I went to apply my payments and both accounts come back saying I owe more. So I called again and now I'm being informed that XXXX payments won't be accepted online. My options are payments by phone or mail a check. Phone payments are not secure and I do not trust mailing a check for a lot of different reasons. It seems that if they are in the business of collecting money, they would accept anything that was being sent to them. I've been spoken to in a disrespectful and passive-aggressive manner which has tried my patience and reduced me to angry words. Today they hung up on me which left me sobbing. I am trying to get my life back on track from the past 2 years and emotionally struggling and this feels like a kick in the gut.
03/03/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32955	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX PROFESSIONAL ACCOUNT SERVICES 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 PROFESSIONAL ACCOUNT SERVICES 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 District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX
01/25/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC XXXXX	Web
I was hospitalized in XX/XX/XXXX. The attached form discloses the claim dated XX/XX/XXXXfor a disagnostic image ( MRT ) that was done prior to me being admitted to the hospital. Initially, my insurance company informed me I was responsible for the entire bill of {$8100.00}. I am insured under my mother 's ( XXXX XXXX ) health insurance. She wrote a letter of appeal ( see attached ) regarding this outstanding bill. On XX/XX/XXXX, we received a letter from the insurance company ( see attached ) that approved our appeal and a copy was sent to the original creditor ( XXXX XXXX XXXX XXXX XXXX ). During this entire time, we never received a bill from XXXX XXXX XXXX XXXX XXXX before or during the appeal process. On XX/XX/XXXX, we received a bill ( see attached ) from XXXX XXXX XXXX XXXX. We immeditately called the original creditor to make arrangements directly regarding the revised amount I owed, {$770.00}. We came to an arrangement and made our first payment XX/XX/XXXX ( see attached bank statement ). We received a call from XXXX XXXX XXXX on XX/XX/XXXX. We 're filing based on the following 4 things : 1 ) Dual Tracking abuse from XXXX XXXX XXXX sending this debt to a collection agency and negotiating simultaneously ( 2 ) Professional Account Services attempting to collect on a debt prior to the 30-day validation period ( 3 ) Never received a bill from orginal creditor prior to receiving letter from collection agency ( 4 ) Collection agency collecting on a debt when original creditor agreed to payment arrangement and received first payment. We expressed to the collection agency during the XX/XX/XXXX call that we ( see attached letter ) prefer to deal directly with the original creditor since we made the arrangment directly with them. They refused and implied that I was refusing to cooperate and pay this debt. I told them that is not true as evidenced by the arrangement that was made and she acknowleged payment was made ( 10 % of the balance for the next 10 months ). Further, I believe the original creditor prematurely submitted this debt to the collection agency given the time frame of the appeal process and the new rules that medical organizations must adhere to when placing a medical debt to a collection agency.
04/25/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	PA 161XX	Web
I had routine visit 's to XXXX XXXX XXXX center in XX/XX/XXXX I stopped getting bills after normal month and insurance coverage wait. I continueously contacted their billing dept throughout XX/XX/XXXX with the concern. Was abruptly told that their billing system changed and I would get the opportunity to make my payments once things were straightened out. In XX/XX/XXXX I received a total of amount due from their Dept out of state in XXXX with a " Collections XXXX XXXX '' address. I immiediately called that business number and was told I owed payment in full. I reached the local branch office in XXXX business dept to discuss my concern at this point and inability to make a full payment. They set me up on a payment plan. I immiedately made my XXXX payment and every month since, thereafter, to date as of now XX/XX/XXXX. A few months ago I received XXXX " Collections '' notices of an amount due much higher than what I have it already paid down to, along with harrasing calls from a dept collector on the facilties behalf named " PASI ''. This become so frustrating as they would not initially acknowledge the proper amount I yet owed but that I had already been making payments monthly and on time all along to XXXX XXXX XXXX XXXX directly which I have full documentation of proof of. I actually had to go to the local business office in person to ease my mind and was late for work. I eventually lost my job over this and the emotional distress it has put me under. Now I am getting calls yet again by " PASI '' to collect this " Debt '' which is not a Debt as I am still and all along making payment directly to XXXX XXXX XXXX XXXX intially by phone debit payments and most recently via their website as they instructed me that I could do. So I am now without a job, yet still making my payment as per their payment plan directly to them, and still getting harrassed by debt collections " PASI ''. What rights do I have at this point? Again, I have full documentation of all payments and some legal recorded calls regarding the matter as I informed other party on phone that I would be recording the call as per XXXX state law. Can anyone help me? I am emotionally distressed over this and out of work.
02/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 365XX	Web
PROFESSIONAL ACCOUNT SERVICES, INC ATTN : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Creditor Account Number : N/A Debt Collectors Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$380.00} Dear PROFESSIONAL ACCOUNT SERVICES, INC : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) ( Audit Trail ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
04/28/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28677	Web
I was sent a bill by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for services rendered on XX/XX/XXXX. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX centers billing department to dispute the bill. I was given dispute # XXXX from the billing department and was told I should hear back from them via phone. I provided my phone number and XXXX XXXX XXXX XXXX XXXX had the correct mailing address at the time. On XX/XX/XXXX I received a notification from a debt collector regarding the above debt in the amount of {$920.00}. I had not received any further communication about the dispute that i filed and no written communication related to the dispute i filed. XXXX XXXX XXXX stated i owed the amount on file and if i disputed the information i would be required to send a dispute in writing to their office address. The document sent to me contains an address in the upper right corner for : XXXX XXXX XXXX XXXX XXXX, PA XXXX In addition, the letter contains an address in the upper right corner : XXXX XXXX XXXX XXXX, TN XXXX This address is then listed again in the body of the letter as the address to remit payment. It is also the prefilled address on the stub for remitting payment. The body of the letter states : Your account has been placed with this collection agency for collection. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume the debt is valid. On the back of the letter i received, there is an address for the original creditor : XXXX XXXX XXXX XXXX, NC XXXX Also there is an address labeled as " Our Office Location is : '' XXXX XXXX XXXX, XXXX XXXX XXXX, TN XXXX I sent a dispute, via the post office on XX/XX/XXXX, to both the original creditors address listed and the office address listed. XXXX XXXX XXXX sent another letter on XX/XX/XXXX regarding the debt ( which i received on XX/XX/XXXX ). I contacted them on the evening of XX/XX/XXXX and advised the dispute mailing address is not the office address. I did not receive any communications between these communications, either by phone or letter. I believe this is misleading.
05/12/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33952	Web
I had gotten 3 calls from 3 different numbers all claiming to be XXXX, none of the phone numbers were associated with XXXX and were all previously reported as scams, claiming I owed $ XXXX {$990.00}, it changed each call, and I told them I would pay it when XXXX sends me a bill. I never got a bill in the mail or a call from a legitimate phone number. Then a couple weeks later I received a letter from " Professional Account Services Inc '' with a very vague description, the wrong name, and the wrong address. Then a few days later I received a call from a woman, who had a clearly fake " southern '' accent, claiming to be from the company and saying she was in Tennessee. I told her I was unable to talk as I had to take my daughter to therapy, but she refused to let me off the phone politely. She claimed to have my social security number, which is a threat, and I gave her my email so she would let me hang up. I never received an email. I looked into the phone number because it had a XXXX area code. Turns out this company " from Tennessee '' is using a landline registered in XXXX XXXX, Florida. After that I called the real XXXX service and they looked at my account and said there was no {$990.00} bill ever and they had no idea where that number was coming from. So I called the " debt collectors '' back. A lady without an accent answered and then after hearing me changed to having an accent, then when I said I spoke to XXXX she dropped the short-lived accent and started screaming that " XXXX knows who we are '' and when I said okay but I spoke to them she screamed that I am " a liar '' and starting having what sounded like a mental breakdown and I just hung up. Why would XXXX not send me a bill and immediately send it to a debt collector? I am tired of the harassment and threats and want these people shut down. One of the phone numbers they called me from was XXXX.
02/06/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39532	Web
XXXX XXXX XXXX, XXXX sent me a debt collection letter. I received this letter on XXXX. On the same day, I responded and asked the collection agency to validate the debt and provide HIPPA authorization. On XXXX, I received another letter dated XXXX from XXXX. The letter states that the charges were verified with the original creditor and included an itemized billing. An itemized billing does not validate the alleged debt pursuant to FDCPA and FCRA. In response, I mailed another certified letter on XXXX requesting validation of the debt and HIPPA authorization. This was after calling the collection agency a few days prior and being told by a XXXX employee that they would keep reporting to my credit unless I paid them. The second letter requesting validation was received by XXXX, but they have yet to respond with proof of validation or any other written communication. The only communication that they have made with me were phone calls demanding that I set up payment arrangements with them. XXXX last called me on XXXX after I had already requested that they not call me. I would prefer written communication. More specifically, I would like written communication reflecting a validation of the debt they claim I owe to them. According to the FDCPA and FCRA, unverified and/or debts not validated should not be allowed to be reported to my credit report without proper proof if such proof is requested. I have contacted XXXX about XXXX XXXX reporting, but XXXX has not provided XXXX with proof of validation or verification either. It is unfair and unlawful for an unverified and unvalidated debt to be reporting to my credit especially since I have made multiple requests requesting proof to resolve this matter. This is a clear violation.
10/01/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	LA 706XX	Web
On XX/XX/2018 I filed a complaint they the cfpb with an alleged debt of XXXX XXXX XXXX. The account was closed and removed from my credit report but put back onto my credit report several months later with any formal notice or validation of this alleged debt. I am allowed under the Health Insurance Portability and Accountablity Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is only should be revealed with patients authorization. Therefore, my request is twofold, validation of alleged debt and HIPPA Authorization. Please have company note that withholding the information received from any medical provider in an attempt to be a HIPPA complaint can be a violation of the FDCPA because you will be deceiving me after my written request. I also would like a reason as to not being notified of this alleged debt being placed back onto my credit reports without and notice after it had been removed after filing a complaint in XX/XX/2018. According to FCRA I should have been notified or contacted, neither was done. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the FCRA. If this information can be obtained I will need the name of the person providing this data and the way that it was provided. If you can not obtain the information requested with the original creditor within the required time frame ( 30 days ) please delete this account from my credit report with all bureaus and that it can not be sold to another collection agency.
07/02/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 34119	Web
On XX/XX/XXXX of XXXX I went to the walk in clinic at XXXX XXXX for a XXXXXXXX XXXX on my XXXX XXXX. Before I went to the facility I called and asked how busy they were and how much they would charge. The representative told me they were not busy and that it was {$150.00} to see a doctor. I went to the facility, filled out the paperwork, and paid the {$150.00} fee before seeing the doctor. I left the facility after seeing the doctor and was not asked to pay any additional fees. A few weeks letter I started receiving bills from the facility indicating that I owed an additional {$60.00} for the visit. I attempted to contact the facility by telephone several times but was unable to get through to a billing representative. I left several voice messages requesting a call back to discuss the bill, but was not called back. I sent several letters to the facility along with the billing slip indicating that I was told that the bill was {$150.00}, that I paid {$150.00}, and that them sending me an additional bill for {$60.00} was incorrect. They did not respond to my messages or letters. In XXXX of XXXX I was contacted by Professional Account Services , Inc. - a debt collector attempting to collect the {$60.00}. I wrote them a letter disputing the charges, stating that I never signed anything agreeing to pay {$210.00} for a {$150.00} service. I asked them to provide a copy of the documentation where I agreed to pay more than the {$150.00} I was charged. They responded on XX/XX/XXXX with a generic statement indicating that they received my dispute but had " verified with their client that the charges are true and correct ''.
09/25/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	AL 359XX	Web
On XXXX XXXX XXXX I was riding as a passenger in a vehicle in XXXX, Alabama while being struck by another vehicle on the driver side. The vehicle in question that hit us stated that the accident was his fault. At the seen of the accident was a police officer that witness the event. The driver and myself was instructed to go to the hospital to make sure we did not have any severe injuries. I went to XXXX XXXX XXXX XXXX emergency room that evening. I was treated by a nurse that took XXXX, beforehand I was ask what happened. I explained about the car accident and ask if they needed my insurance card and she said no we have you on file. I found out that I had a XXXX XXXX and they wrote me several prescriptions. I then questioned the nurse that my insurance carrier is XXXX/XXXX are you sure about my insurance..Do you need it? She stated that it was on file. About a month in half later I received a collection bill through Pasi ( Professional Account Services, Inc ). XXXX XXXX XXXX, XXXX, MI XXXX for a bill totaling {$8800.00}. I contacted my attorney and he sent them a letter instructing them to bill my XXXX/XXXX of Alabama. Since that time, my wife and I have been in the process of refinancing our mortgage but needless to say, Pasi have put a Lien on our home. I contacted Pasi and they stated that they are trying to fix this issue by now filing XXXX/XXXX. We are a few days away from trying to close although our lender ca n't do anything until this Lien is lifted.
04/06/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	LA 706XX	Web
As allowed under FDCPA I am requesting that you allow me to validate the alleged debt. I am allowed under the HIPPA to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more is to only be revealed with patients authorization. Therefore, my request is twofold, validation of debt and HIPPA authorization. Please not that withholding the information received from any medical provider in an attempt to be HIPPA complaint 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 about this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back. If you can obtain this information, I will also need the name of the person providing this data, and the way it was provided. If you can not obtain the information from the original creditor within the required time frame ( 30 days ) please delete this account from all of my credit reports.
10/13/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 184XX	Web
A few months ago i contacted XXXX XXXX XXXX in XXXX pa regarding a bill that was XXXX. I paid a XXXX deductible and i was told that this was all i would owe at the time of service and if anything the next bill i would recieve would only be a few dollars more. It turned out the hospital didnt tell me that i would get that additional bill of XXXX. They told me the XXXX was all i would owe and billed me for XXXX.i disputed the claim by mail. I never recieced a call or a letter from the hospital after i wrote to them to try to settle the amount since they failed to notify me on what my insurance would cover and any additional cost after. I tried to negotiate it for 1/2 of the price they never got back to me nor did they notify me that they would be putting this on my credit after i attempted to settle the debt. Turns out i moved and still didnt recieve a letter regarding the balance but my credit dropped 30 points and they didnt get back to me as i requested them not to call me my cellphone is broken and to notify me by mail only. No attempt to settle nor resolve a problem that they caused after they told me this would be all that i would owe. I shouldnt owe anything if i paid my bill in front the day of service. They shouldve contacted my insurance 1st.
06/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 01902	Web	Older American
On XXXX XXXX, 2015 my aunt ( XXXX ) had a follow-up appointment with her XXXX. She had been hospitalized and was currently in a XXXX. The XXXX wanted a XXXX. He faxed an order to the hospital office which was just next door and indeed walked us out to the front of the building and directed us to where we were to go. We went and had it done. XXXX and her supplementary insurance initially paid for it but then withdrew the payments because they said that she should have had the XXXX at the XXXX. Medicare told me verbally that she was not liable for the payment.The physician had received documentation from the rehab so he knew where she was staying. Now the hospital is sending her ongoing letters and indeed a Final notice demanding payment as well as threatening to turn it over to a collection agency and listing it as a bad debt which will be detrimental to her credit rating. I feel the XXXX and those with XXXX are targeted as more likely to comply. I am her power of attorney and we are not going to pay for the mistake of others. To make matters worse, on XXXX XXXX the XXXX was repeated at the rehab because the Physician notes were unclear. My aunt should not have to pay for the mistakes of the professionals.
12/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 641XX	Web	Older American, Servicemember
On XX/XX/XXXX, I went to a XXXX XXXX XXXX Urgent care facility in Tucson, AZ. Urgent care was a covered expense after copay by my then-insurer, XXXX XXXX XXXX XXXX XXXX. I paid the {$50.00} copay. On XX/XX/XXXX, XXXX made two payments of XXXX and XXXX to the medicare center, a document which I have. 2 and one-half years later on XX/XX/XXXX, I received a bill for XXXX for the same claim. I had never been contacted at all in the 2 and one-half years since the visit. I called the medical center for an explanation and was referred to a billing office in XXXX, who did not have the referenced document and did not want a copy, but said my insurer did not pay. I called XXXX, no longer my insurer, who could not locate the claim. I sent a letter challenging the claim with the documentation to XXXX, and received no response. They then referred the claim to PASI Collections in XXXX, TN. I challenged the bill, again sending copies of my correspondence with the medical center and a copy of the document showing payment. They denied the claim without explanation. I am unable to understand what I am being billed for, 2 years later, and sent another letter asking for an explanation. No response at all.
02/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	WA 99208	Web	Older American
I a hospital bill that was turned over to collection to XXXX XXXX XXXX XXXX XXXX I paid off my bill in full on XX/XX/XXXX. Because they failed to discontinue my automatic payments from my checking account, they withdrew another {$50.00} dollars from my account on XX/XX/XXXX. I called them this same date and told them what happened and they said they would reimburse my account. On XX/XX/XXXX, I still did not receive the reimbursement and called them again. This time they said they didn't show that they had taken the extra money and I needed to send them proof of payment. On XX/XX/XXXX, I faxed them proof of payment. Called on XX/XX/XXXX and they said they received the fax and would reimburse me and that it would take a couple of days. On XX/XX/XXXX I still had not received the money and called them again. They said it would take up to 10 days for the money to be reimbursed. Today is XX/XX/XXXX and I still have not been reimbursed. Every time I call these people they give me a different answer. I think they are just stonewalling me hoping that I will give up. I am on social security and {$50.00} is a lot of money to me. This seems like an unfair and illegal practice to me.
03/03/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80831	Web
Dear representative, On XXXX XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX for a bad case of XXXX. According to XXXX XXXX XXXX, I owe them {$4600.00}, however, that is not the problem even though its over a {$1000.00} an hour not counting the Doctors and the Radiologist that I have paid. The problem is that XXXX never sent me an invoice. I have contacted them multiple times and was told I didnt have an account. I finally got in touch with a representative through e-mail and then lots of phone tag. I thought things were fixed. So I made a payment of {$150.00}. I still have never received an invoice. Now to my surprise, I have received a letter from a debt collector. I never received any notification that this step was happening. I have no way to know that this debt collector is legitimate. I called XXXX again on XX/XX/XXXX to talk to the same representative that I thought fixed things. She said she would work on it and get back to me, but never did. The Doctors, Radiologists and Nurses that I had were awesome! They took great care of me even though they got very busy. I wish I could say the same for the medical center.
05/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 786XX	Web
I received a Collection notice from Professional Account Services , Inc. for a hospital bill in XX/XX/2018. I explained that I have contacted the hospital many times about the fact that my insurance company stated I reached my max out-of-pocket amount in XX/XX/2018. Therefore, I was advised to inform the hospital to bill the insurance company directly. Despite the fact that I have advised the hospital verbally and in writing to bill the insurance company, the hospital nonetheless sent the account to Collections. The Collections agent told me I need to clear it up with the hospital, but when I told her I've already tried many times yet they still sent it to Collections, she told me that's my problem. I asked why they don't contact the hospital ( their Customer ) and she said they don't do that. I let her know that if I am contact by Collections again, I will consider it harassment and make a complaint. She said she will just block my call. I have not had experience with Collection Agents, but this woman fit the stereotype I've seen in movies and television.
03/08/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TN 37388	Web
I was rear ended in a car accident on XX/XX/2019. I went and received medical attention on XX/XX/2019. I filled out of the form with information from the other insurance company. Today on XX/XX/2019, I received a certified letter in the mail from a collection agency named XXXX XXXX XXXX XXXX, XXXX TN stating they put a lien on my house for medical bills unpaid. First of all, I never received a bill from the hospital to pay anything. I called the other parties insurance company and they stated they never received any bills from the hospital. So the hospital never sent out any bills but immediately turns it over to a collection agency who states they filed a lien on my house. At the top of the letter it states they filed with the county clerk in XXXX XXXX. My house is not even located in XXXX XXXX. I, then call my local property accessors office and ask if there has been a lien placed on my house and they say no there is not a lien on my house. So this collection agency is using scare tactics.
05/12/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76049	Web
I received a bill today address to Me, except it had my boyfriends name added to the end of mine. The bill is my boyfriends bill. In the body of the letter is states the patient is my boyfriend, account number, service date and amount owed. I called to ask why they are sending me a bill for his account, and advise them that they ca n't just add a name to someone else 's bill and say it now is this persons bill and this person is responsible because they say so. They kept asking me what his dob was. I would n't provide it. First, it 's against the law for them to be discussing 'his ' account with me, it violates his privacy act, and HIPPA XXXX Second, if they sent me the bill and state that it 's mine, they can have my information and we will discuss it. I am not providing someone else information to them. They would n't discuss anything further and second time I called t he manager realeased the call for not providing 'his ' SSN.
02/04/2021	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	FL 33707	Web
Professional Account Services has been harassing my wife and I over a hospital bill that we are currently disputing with them because the state of Florida should be paying via retroactive medicaid. This bill is from XX/XX/2020 when I was laid off due to Covid and my son was born. Insurance paid their portion, the rest was supposed to be submitted by the hospital to the state of Florida for medicaid to cover. The hospital failed to do so and failed to notify us either by mail or by phone for six months after my son 's birth. When they finally did notify us, it was to tell us that the outstanding balance of over {$5000.00} was being sent to a collection agency. My wife and I have been going back and forth between the hospital and the state to solve this problem but the debt collection keeps calling and has used aggressive and abusive language towards my wife and has been calling every few days at random hours and while I'm at work.
03/02/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	LA 71270	Web
I sent XXXX a request for validation of an alleged debt. The response sent to me is attached, but it does not constitute validation, pursuant to FDCPA. The information that was sent to me was simply VERIFICATION that an account was owed to XXXX XXXX XXXX XXXX. The amount that is said to be owed is not congruent, and XXXX has not proven that I am the person who signed a contract with their company or anyone else or that I owe XXXX. The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. Also, the dates and amounts being reported on my credit report are not congruent to the dates and amounts that were sent. I have attached my proof. This entry on my credit report has so many inconsistencies and I do not have a contract with this agency, and I want it deleted immediately.
11/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 731XX	Web
I stayed in the hospital for a period of time and was billed by several areas of the hospital. I was sent to collections with PASI who setup multiple payment plans over a 2 year period. After my debit card expired, we established a new plan for XXXX per month out of my husband 's checking account. Payments continued monthly until XX/XX/2021. We never changed the bank account or had a returned payment however PASI sold our debit to a new company and stated it was due to no payment being received. From XX/XX/2021 to XX/XX/2021, no communication was received asking for payment and no notice of the debt being sold was ever sent. I called PASI who said they were not sure why I was not advised or why I was ever transferred. The agent transferred me to Customer Service where I got a recording that their office had just closed 5 minutes earlier. The agent also advised that whoever answered could and would get me a statement.
07/06/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	NM 88220	Web
On XXXX/XXXX/15 at XXXX PASI ( XXXX ), a medical debt collection agency called me. It was my debt and I have paid it off. The problem lies in the fact that when I was contacted the first time, the lady said that if I did not pay in 10 days, the debt would hit my credit and they would garnish my paycheck. I called back the next day and verified that they were a collection agency and not the billing department of the hospital that I went to. Upon verification that they were indeed a collection agency, I informed them that I knew my right under federal law and that they were not allowed to report the debt or garnish my wages at this point in time without taking me to court. This is when I was informed that they would give me 30 days to pay instead of the 10 days originally quoted. Now, it was my debt, i legitimately owed it and I have since paid it. However I do not appreciate the unnecessary threats.
06/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 174XX	Web	Servicemember
My son and I were both seen in the emergency room at different times last summer and fall. The hospital did not take our copay of {$75.00} at the time of service. We received bills from the hospital and paid them in XXXX and XXXX of 2016. Those debts were paid directly to the hospital. We have been contacted by this agency repeatedly, and I have told them that the debts were already paid. On XXXX XXXX, I faxed them copies of the cancelled checks and referenced the account numbers related to the charges. A representative from the agency had informed me that the letters and phone calls would stop once they received that information. We then received an invoice, dated XXXX XXXX, asking for payment of this charge. I informed them prior to sending the XXXX XXXX fax that further communication from them after I sent the fax would result in my filing a complaint, but they sent the invoice anyway.
12/15/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NM 88240	Web
Professional Account Service, INC called me to collect a debt for medical bills that I am currently making payments on and am up to date. Company stated that I was in collections and had not been making payments. Tried to explain that I am making payments and they stated that not all of my accounts were combined and that my payments were n't being put towards the debt amount in collections. I paid the amount. The following day I checked with the accounts payable department where my medical bills were and they stated this has happened to other people and confirmed that I have been making payments on time and my debt should not and is not in collections. This is fraud and is treating patrons unfairly and misrespresenting debts to patrons that are not in collections that can bring undue stress to individuals. This practice should be stopped and they should represent debts fairly and truthfully.
08/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 363XX	Web
I received a bill from a debt collector ( Professional Account Services , Inc. ) for {$200.00} for a visit to XXXX XXXX. The visit was for a XXXX XXXX. XXXX XXXX refused to do the test and my employer was going to pay the bill because it was XXXX related. The bill was not paid by my employer and I realized this was turned over to collections when it showed up on my credit report and my score dropped. I called to speak to the collection agency and asked for the manager and explained the situation asking them to retract the reporting to the credit bureau. I paid the debt in full and he claimed he could not do that. I explained this was a mistake and I do not want this on my credit report for 7 years to please retract this. He refused to do it. I am a single mother and work very hard to keep my finances in order. Please work with me to get this removed from my credit report.
12/19/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 395XX	Web
On XX/XX/2018, I had a procedure done at XXXX XXXX Hospital in XXXX, MS . I was advised that they will bill my insurance and then send a bill for the balance. I received a bill at the end of XXXX for a payment to be made XX/XX/2018. I paid a total of {$40.00} for this month and then began paying {$5.00} per month thereafter. I have been paying each month and XXXX turned the account over to XXXX. XXXX then started stating the collection is due in full or would be turned over to credit reporting agencies. I responded stating that I could not afford to pay the full balance and that I am paying what I can afford. I have continued to submit these payments each month, but now they have started reporting this as a collection on my credit. I do not feel that this is acceptable when they are accepting and cashing my payment each month and should not be reported on my credit.
04/14/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 329XX	Web	Older American, Servicemember
Professional Account Services keeps calling me and will not even tell me why. I know they are a debt collector for medical bills. I do not have any medical bills. They call and have asked for my social security number to identify myself, even though they called me! When I refuse, they then ask for my birthdate - which I wont give them either since I wo n't give any personal information to a stranger on the phone who wo n't say why they are calling. I 've asked them to send something in the mail and I will respond if it is legitimate, maybe a doctor I 've seen. But after a month of my requesting this, they do not send anything stating if I even have a debt. This company has the power to ruin my credit if they are really trying to collect a debt ( there is n't XXXX ), or even if it is a mistake. This seems a wholly illegal way to handle this. they call from XXXX.
05/03/2017	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	UT 84074	Web
I have a medical bill from my XXXX XXXX . I am the insurer I always put myself as the responsible party. I asked the company to stop calling because we have a lot going on after a couple of deaths in our family. Now they are sending bills in my husbands name. I called them and they apparently know the law ... not so much. I work for a financial institution that is serious about deceptive practices and refuse to be bullied by this company and have my husbands name tarnished. I have never had anyone say they will send mail to my husband if I do n't pay my medical bills. This is also third party disclosure. Using your emergency contact to get a bill paid is really bad. I do n't have a problem paying I have a problem with deceptive practices XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX . Call date X/X/17 amount {$250.00}.
03/29/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TN 373XX	Web
XXXX XXXX, ownership entity of XXXX XXXX XXXX XXXX, on multiple occasions has used deceptive practices in billing and collection efforts. Stated a maximum out of pocket of {$1300.00} then billed over {$9000.00} When asked for an itemized bill, it was refused. Later bill simply had total and " miscellaneous charges '' The hospital was informed of the customer 's desire to dispute charges and then customer was immediately turned over to collections. Hospital sent delinquent notice of bill addressed to someone other than the customer thereby indicating to someone not on the account or responsible for payment, that the customer ( patient ) was delinquent. Hospital 's third party collector PASI called customer and pretended to be the billing department of the hospital without correctly identifying who they were or the intention of the call.
10/30/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37922	Web	Servicemember
I received a collection notice stating that we owed {$140.00}. I request proof of the debt. The collections agency sent me a copy of the original bill. I responded that I would like to see a complete statement of our account as we PAID the hospital {$1100.00} on XX/XX/2019, based upon their estimated bill after the expected insurance payment. On XX/XX/2019, the Hospital REFUNDED {$550.00}. Our thoughts were that we paid based upon an estimate, and after all the insurance settlements, we actually overpaid. I requested a statement of the account that shows what we paid, what the insurance paid, and what the remaining balance is. We can not understand how the hospital can say we were delinquent when they gave up a refund. The agency responded to our request for a statement with a letter threatening to report us to the credit bureaus.
05/13/2016	Yes	Debt collection Medical	False statements or representation Impersonated an attorney or official	TX XXXXX	Web
I agreed to pay PASI Collection agency a set amount for 12 months. I gave the agency my banking information. the amount was to be debited from my checking account beginning XXXX XXXX, 2016. PASI did not deduct the funds as agreed. when I contacted the agency a representative stated that my account had been forwarded to their legal department. On XXXX XXXX, 2016 I attempted to contact the law office. after making contact with a representative I was put on hold, I waited approximately ten minutes and I ended the call. on XXXX XXXX, 2016 I made contact with a PASI agent to attempt find out why they did n't debit the agreed upon funds, the agent stated the agreed amount was not sufficient to satisfy the debt, at which time she forwarded my call to another department which turned out to be avoicemail recording.
04/10/2019	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TN 37421	Web
I had a medical bill from a visit to a hospital show up on my credit report 6 months approx after my visit. I was never once contacted by the hospital via phone, email, and regular mail to pay the bill. Also, my insurance company did not send me anything stating that I owed for a bill. The day it showed up on my credit report XX/XX/2019, I contacted the original credited and paid it in full on the same day in the amount of XXXX. They stated that they would report it as paid in full, however would not remove the collection information that was reported on my credit report from XXXX XXXX XXXX. Had I known that I owed anything, I would have paid it immediately. I initial disputed this as fraud due to the fact that I was not notified via my insurance company or any other company that I owed anything.
10/11/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 395XX	Web
I have been getting mail about a medical debt that is to be honest. XXXX. It says as of XX/XX/XXXX I owed XXXX dollars.. when I went to XXXX XXXX that day I was not helped AT ALL. They brought me to a room where I sat in a bed for XXXX to XXXX hours while everyone in there ignored me. Not a single person came into the room to help me. After a while a man came into the room and told us to leave. I don't know why we owe XXXX dollars when we did not receive any help that day. At all. And would appreciate it if I would stop getting bills for something that is complete XXXX. I was not looked at by anyone that day. And sat in a room BY MYSELF and then told to leave after I had been there for a while. My husband was with me and can vouche that I did not receive a single bit of help.
07/26/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	FL 33837	Web
I received XXXX in XXXX. I received a bill of over {$1600.00} from the medical facility. I made arrangements with their billing company to make monthly payments of {$73.00}. I set the payments to happen automatically from my bank account every month and did n't miss any payments. I went out of town on the XXXX of XXXX. Yesterday, XXXX XXXX, I received a call from a collector. The billing company sent me to a collector and they are asking for over {$120.00} per month. I am trying to reach the original billing company. XXXX of their representatives confirmed that he could see my monthly payments but my file had not been updated to reflect the payment arrangements made. They say they can not do anything at this point and that I have to deal with the collection agency.
10/01/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39532	Web
XXXX XXXX XXXX XXXX sent me a debt collection letter. I received this letter on XX/XX/2018. On the same day, I responded and asked the collection agency to validate the debt and provide HIPAA authorization. On XX/XX/2018, I received another letter dated XX/XX/2018 from the collection agency. The letter states that the collection agency has verified the charges with the original creditor and includes an itemized billing. The collection agency failed to validate the debt pursuant to the FDCPA or provide any agreement with the original creditor that would grant the authority to collect the alleged debt. The collection agency failed to provide a copy of my signature with the provider of service to release my medical information to the collection agency.
09/20/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	IN 463XX	Web
My hospital bill that I have consistently been making monthly payments on since its origin, was turned over to a collection agency " Professional Account Services Inc. on XXXX/XXXX/XXXX. I sent the collection agency a CEASE & DESIST letter on XXXX/XXXX/XXXX explaining that I was settling the debt directly with the hospital and not to make any further communication to me regarding this account. They recently sent me a letter on XXXX/XXXX/XXXX explaining that they have been trying to unsuccessfully contact me by phone & advised me to pay them the debt by phone with a credit card. They sent me another letter two days later on XXXX/XXXX/XXXX threatening to place negative marks on my credit report unless I contact them to resolve this account.
03/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35226	Web
Professional Account Services continues to report an account that I have previous disputed and sent police reports as well as identity theft packets. This account was previously removed in 2020 when XXXX XXXX XXXX was the collector o behalf of XXXX XXXX XXXX ( also attached ) however it is being repeatedly bought by new debt collection companies even though it is fraudulent. XXXX has been given this information on several occasions yet they have refused to remove this collection after being sent supporting documents showing that this was a result of fraud. I would like to now only file this dispute against both companies for legal documentation but to also get the support of the federal trade commission to help me resolve this issue.
06/14/2018	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	AR 72903	Web
I have tried on several occasions to get the XXXX XXXX XXXX XXXX to rebill my insurance company for the {$1900.00} they were initially charging for the XXXX XXXX XXXX I had done. Instead of them doing so, they hired an collection agency to harass me. I called XXXX XXXX XXXX XXXX this morning to get to the bottom of this and the first rep I spoke to told me that if I did not pay they would sue me! I had insurance and called Arkansas Medicaid to verify it. I even called the Medicaid Claims department and grievance department. I was told by the grievance department that the hospital failed to submit the claim with an extension or with a XXXX referral. This couldve all been solved without the threats and headaches I received.
06/07/2017	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TN 37323	Web
The date of the phone call was XXXX / XXXX / 2017 . I filed victim of crime for the medical bill and I was not contacted about that being denied, The company is Professional Account S ervices. Phone number is XXXX . XXXX . XXXX . The rep did n't advise call recorded or MM, did n't verify if I was the correct person. Wanted to know how I was going to take care of the debt today. Advise rep that I was n't able to that I had filed victim of crime, Rep then advised that was denied, I had advised that I was not contacted about it bein g denied. Rep wanted to verify my information and then hung up the phone. I did n't feel I was being treated fairly or being informed correctly.
12/31/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	TX 79605	Web
I received a phone call from XXXX on XXXX/XXXX/2015 between XXXX and XXXX from someone claiming to be with Professional Account Services , Inc. It was a male voice. They said it was concerning XXXX XXXX XXXX XXXX. When I researched the number from XXXX different places the number popped up XXXX times as a telemarketing spam number. The number is registered to a XXXX XXXX in XXXX, Tn. Then on XXXX/XXXX/2015 I received a statement in the mail from Professional Account Services XXXX Inc., concerning the same thing. Guess what the office number on the statement was XXXX. The XXXX XXXX XXXX for XXXX, Tn. How can the same number be registered to XXXX different people.
10/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28376	Web	Servicemember
Received a letter in the mail that a XXXX debt was owed for a er visit while traveling. Being that I am XXXX XXXX I didn't have co pays. However the XXXX dollars owed was due to a billing error on XXXX XXXX behalf. I did however pay the bill after being threatened and employees of professional account services refusing to listen to me. I was hung up on when I told the rep I paid the bill with the hospital directly. Which is XXXX XXXX. The rep again hung up on me. The confirmation for my XXXX dollars is XXXX. Bill was paid directly to XXXX and should have been sent to collections per the fair credit reporting act and hippa laws.
08/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IN 467XX	Web
I was invoiced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$70.00} on XX/XX/XXXX for an outpatient visit that occurred on XX/XX/XXXX. I paid the invoice via XXXX XXXX XXXX on XX/XX/XXXX, which was before the due date of XX/XX/XXXX. The correct amount was pulled from my XXXX and paid to XXXX XXXX group at that time, however I was invoiced three additional times for the same amount for the same statement number. I verified with XXXX that the bill was paid and funds withdrawn, and I verified over the phone with XXXX XXXX XXXX that they had received payment, but they sent the alleged debt to a debt collector on XX/XX/XXXX anyways.
10/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78727	Web
That was on or about XX/XX/2019 I received a letter from Professional Account Services collection agency to collect the debt amount {$300.00} on behalf of XXXX XXXX XXXX XXXX XXXX listed as creditor. Then, I directly contacted the creditor and spoke to a rep named XXXX regarding the alleged debt. He informed me my installment account is current since I've enrolled automatic draft from my bank every first of the month. He also stated that the management will get back with me within XXXX from the dated we talked. As of today XX/XX/2019, no one has not been called me and this alleged collection account is on my credit reports.
03/26/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 23860	Web
XXXX XXXX XXXX XXXX Has a medical bill of mine from XXXX XXXX XXXX XXXX . I owe this debt and Im making payments. The problem I have is they have added my spouse XXXX XXXX to this medical bill advising they are reserving their state rights to add spouses to medical bills. This is unfair as my husband has not had medical services with XXXX XXXX XXXX XXXX and is not legally responsible for this debt. I am the medical guarantor of this bill and its my personal medical insurance that has taken care of portions of this bill. Ive asked that he be removed and they advise they will not.
06/09/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AK 99645	Web
two things. 1. I have made approximately 800.00 in payments towards a medical bill yet the balance has only gone down by XXXX. ( the bills barely a year old and has only been being handled by this firm for 8 months, the interest on XXXX USD does not come anywhere close to explaining this ). 2. ) I've made payment arrangements with the hospital for XXXX per month, yet on two occasions now, when I log in ant attempt to make payment, they refuse payment and demand 2 - 3 times as much as a " minimum payment required ''. They refuse to accept the previously agreed upon amount.
02/05/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34287	Web
I sent a debt validation letter to the collection agency requesting documents for what I owe, my personal information was provided to the collection agency without my consent and I didn't receive proper paperwork documenting how much I owe prior to the collection agency reporting it to the XXXX credit bureau. I paid a portion of the debt without verification until I did my research and found out that, the said information should have been provided to me. I would like these derogatory collections removed from my credit report from the same collection agency.
12/02/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	TN 377XX	Web
ON XXXX/XXXX/15 @ XXXX XXXX XXXX OF PROFESSIONAL ACCOUNT SERVICES INC OF XXXX TN CALLED ME THREATENING TO TAKE LEGAL ACTION AGAINST ME FOR NOT MAKING A PAYMENT ON AN ARRANGEMENT. ON XXXX/XXXX/15 THEY RECIEVED AND POSTED TO MY ACCOUNT A CHECK FOR {$5.00} WHICH WAS THE ARRANGEMENT. SHE WAS SO HOSTILE AND THREATENING THAT I WAS REDUCED TO TEARS. AFTER VERIFYING I HAD IN FACT SENT THE PAYMENT AND THEY HAD RECIEVED THE CHECK I CALLED HER BACK SHE WAS JUST AS RUDE AND HATEFUL THE SECOND TIME AND CONTINUED TO TALK OVER ME AND ARGUE.
07/20/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 62040	Web
I received a medical bill addressed to me but the patient is an ex boyfriend XXXX XXXX. date of service on bill X/XX/17 amount of bill {$1700.00}. I called Professional Account Services where the notice came from and told them this is not my bill. They said I was Listed by the hospital as his spouse and am. I advised them not Married they told me I would need to straighten it out at the hospital. I then called XXXX Regional Medical Center and have left several messages with no response.
06/27/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OK 740XX	Web
XXXX from XXXX Submitted insurance statement only owing XXXX. Requested to pay only what was owed. Repeadly told by collection agency I owed XXXX. Had insurance call them and submitted my eob they still continue to try to collect. Collection agency used verbal aggressiveness. Collection agency refused to provide medical debt verification. Collection agency said if I wanted information I needed to contact the hospital. Collection agency threatened to notify my employer of debt.
12/10/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	TX 76904	Web	Servicemember
Collector XXXX repeatedly spoke over me trying to railroad the conversation into whatever she earns commission for, ignored my questions was not knowledgeable about collections lied about the companies policy on validating debts, threatened to hang up on me when I got tired of listening to hear pretend she knew what she was doing. When I requested a manager shes transferred me to a lower ranked supervisor, probably a friend to try and make the problem go away.
12/23/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 44484	Web
XXXX In has repeatedly sent me collection notices about an unpaid debt. I wrote to them that I disputed the validity of the debt, as insurance had paid. They responded with a print out of what was owed on the date I went to the hospital, stating only state it is valid. It is not valid. They sent me notice less than thirty days after my hospital visit. My insurance has covered this and this company is already affecting my credit.
04/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA XXXXX	Web	Servicemember
The original creditor is XXXX XXXX XXXX XXXX and I owe them {$0.00} dollars and XXXX ( XXXX XXXX XXXX XXXX ) knows that I owe {$0.00} but this reported to XXXX a {$700.00} balance. I can not believe XXXX would let this bogus company report this as a collection account when I owes XXXX XXXX XXXX XXXX {$0.00}. I want XXXX to remove this account from my credit file immediately. The account number is XXXX with XXXX XXXX XXXX XXXX.
10/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OK 746XX	Web
I had a XXXX on XX/XX/XXXX. I filed for divorce in XX/XX/XXXX. It was my understanding that the medical debt was taken care of by my ex husband. I never received a bill and I had no idea that there was a balance to be paid. I would have happily arranged payments with the doctor had I known there was an outstanding balance. I am very angry. I have near perfect credit and this needs to be taken care of.
08/29/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 35007	Web	Servicemember
I contacted the company and told them i didnt want any information obtained or released. They now have obtained personal information including date of birth and debit card numbers. They also now are saying i owe a certain amount that i received an email saying it was paid. I need this debt removed because i was told it was paid, and i did not approve any release of records or personal information.
06/30/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	PA 17104	Web
My Husband had an outstanding medical bill with the XXXX of XXXX we do not share insurance. the first bill that was sent it only had my husbands name on it. The second bill that came was addressed to my Husband and I. When I asked why the collection agency ( XXXX ) Professional Account Services Inc. said that because PA is a spousal state I am responsible for this bill as well as my Husband.
03/25/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	MS 39056	Web
I went to the XXXX because I thought I 'd XXXX. The hospital kept having issues with my health insurance company, and it took almost 6 months to get it straight. The hospital had already turned it over to the debt collector, and I have paid the debt in full. The debt collector has also called me at work despite being to not to do so.
09/01/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AL 351XX	Web
the debt i do not owe is on my credit reports for collections paid from papers i filed on site for XXXX want to remain unknown and anonymous and will not show addresses of their businesses for privacythe collection was created falsely after my social security number was on filei got the account information from the hospital staff
08/14/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 37912	Web
XXXX XXXX XXXX sent me a notice of a medical debt for XXXX I paid payments of XXXX XXXX dollars a month until I tried to pay XX/XX/2018 XXXX dollars and the payment was rejected. Under FDCPA Law. They rejected my payment and turned me over to collections.
03/06/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	WA 989XX	Web
I contacted the debt collection agency to ask for verification of the debt and they refused, stating that if my dispute was that I had already paid in full that was not a reason to dispute.
05/03/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AR 72761	Web
COLLECTOR FAILED TO PAY OFF LIEN AS AGREED.ACCOUNT XXXX XXXX XXXX {$3000.00}. SEE ATTACHED. PAY OFF AND PROVIDED RELEASE OR FACE CLASS ACTION LITIGATION.
04/04/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	PA 17543	Web
I had no insurance and was XXXX and given pills I did n't need and forced to stay against my will then charged for it
05/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	PA 182XX	Web
rude, evasive, wo n't say who they are or why they are calling. calling me at work XXXX times a day
11/30/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IN 47802	Web
My brother was in a XXXX and they keep calling me to collect his debt it is not my debt to pay back
06/08/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IN 46835	Web
VIOLATORS OF FDCPA, TCPA CEASE AND DESIST COLLECTION EFFORTS PAID ORIGINAL CREDITORS ALREADY
12/13/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IN XXXXX	Web
WE ARE BOTH XXXX AND WANT TO SUE THEM FOR VIOLATING SEVERAL CONSUMER PROTECTION LAWS.
11/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46405	Web

07/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MS 39212	Web

06/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 37721	Phone	Older American

04/26/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 39094	Web

04/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 18705	Web

04/04/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75110	Web

03/14/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75652	Web	Servicemember

03/06/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 34613	Web

01/21/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 18702	Web

01/09/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33954	Web

06/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76901	Web

06/08/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OK 74743	Web

05/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN 46580	Web

03/08/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28115	Web

09/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35233	Web

08/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 37821	Web

05/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85741	Web

05/16/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30189	Web

03/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35242	Web

11/16/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77584	Web

09/18/2020	Yes	Debt collection Medical debt	Communication tactics Called before 8am or after 9pm	NM 88012	Web

08/31/2020	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	FL 33755	Web

07/15/2020	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PA 18411	Web

07/02/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33896	Web

05/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AR 72712	Web

04/25/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 18702	Web

03/06/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48204	Fax

12/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IN 46825	Phone

06/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63645	Web

05/21/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AR 72719	Referral

05/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34145	Web	Older American

04/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39042	Web

02/25/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IN 46184	Web

02/14/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN 46534	Web

01/26/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 36830	Web

01/18/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32505	Web

01/09/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34610	Fax

11/07/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AL 35903	Postal mail

10/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32091	Web

09/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 774XX	Web

07/24/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 76991	Web

07/18/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 39056	Web	Servicemember

07/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28380	Postal mail

06/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MS 38614	Web

04/10/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34113	Web

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	TX 79605	Web

03/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63147	Web

03/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70602	Web

03/01/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23834	Postal mail

02/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75370	Web

12/09/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32934	Web	Servicemember

11/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70611	Web

11/13/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 27855	Phone

09/17/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 17543	Web

09/13/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28117	Phone

08/08/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	AR 72734	Web

04/20/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 23831	Referral

03/27/2017	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	IL 60087	Web

03/12/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 44484	Web

03/06/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	AL 35244	Postal mail

02/24/2017	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	PA 18504	Web

01/22/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IN 46804	Web

12/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AZ 85704	Web	Servicemember

11/18/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TN 37043	Web

08/02/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75915	Web

05/26/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 76693	Web

04/27/2016	Yes	Debt collection Medical	Communication tactics Called outside of 8am-9pm	FL 34609	Web

03/23/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	FL 32536	Web

12/17/2015	Yes	Debt collection Medical	Taking/threatening an illegal action Sued w/o proper notification of suit	TX 76031	Web

08/25/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	IN 47805	Web	Servicemember

07/23/2015	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened arrest/jail if do not pay	OK 74948	Web

07/11/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33709	Web

06/25/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MN 55127	Referral

06/02/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 34480	Web

05/28/2015	Yes	Debt collection Medical	Communication tactics Called outside of 8am-9pm	NM 88005	Web

04/17/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	FL 33040	Web

04/11/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	PA 18643	Web	Older American

04/07/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TN 38305	Web

02/19/2015	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	AK 99712	Web

02/11/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OR 97477	Web

01/27/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 18707	Web	Servicemember

01/21/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30540	Web

01/03/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	LA 70647	Web

12/30/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 23223	Web

12/08/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	IN 46770	Web

11/26/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OR 97405	Web

11/26/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OR 97405	Web

11/10/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MD 20735	Web	Servicemember

10/23/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44438	Web

10/14/2014	Yes	Debt collection Medical	Taking/threatening an illegal action Sued where didn't live/sign for debt	AZ 90405	Web

10/07/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	AZ 85614	Web

08/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 37821	Web

07/24/2014	Yes	Debt collection Medical	Communication tactics Called outside of 8am-9pm	PA 19119	Web

07/22/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76104	Web

07/08/2014	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	LA 71496	Phone

07/02/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	PA 19444	Web	Older American

06/26/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	AL 35213	Phone

05/16/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TN 38375	Web

04/14/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WI 53405	Phone

02/10/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	AR 72503	Web

01/18/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 92311	Web

01/03/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 78613	Web

12/03/2013	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 78642	Web

11/22/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 19444	Web	Older American

09/24/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	AL 36530	Phone	Servicemember

09/19/2013	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	AR 72390	Phone