| 08/17/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX & XX/XX/XXXX I went to XXXX XXXX for my XXXX. At the time unknowingly those bills were not paid by XXXX in which I have been covered ever since XX/XX/XXXX. Over the last couple of years I have been going through a deep XXXX that I 'm just starting to recover from. In doing so I 'm in the process of getting my life back in order which includes my finances. I just recently pulled my credit report and discovered the aforementioned hospital bills in collections on my report. So over the last week or so I 've been trying to get down to the bottom of it. I called XXXX XXXX, XXXX XXXX XXXX XXXX, along with XXXX spending hours on hold and talking trying to understand why was I being charged for my XXXX. On XX/XX/XXXX I called XXXX ( on a recorded line so this call can be looked up ) and I was told that my records were showing incorrectly on their 2 systems and that it was something wrong with the XXXX and to call back Monday and it should be corrected, I have no idea what that means or what that was in reference to but this is what I was told. I was also told that the reason why my claims was denied was because XXXX was showing up as my Primary which also I was not aware of. From there I was also told that all they had to do was remove XXXX as my primary because that was the reason XXXX was denying the claims from being paid, and just tell the Hospital to wait about 7-10 days to resubmit the claims and it would all be taken care of since it was an error on their side and I would not be liable for it. When I called XXXX XXXX and spoke with XXXX in billing I was told that they would n't be able to resubmit the claims to XXXX because of something called timely filling, but I acknowledged to her that XXXX & XXXX told me that due to the error on their side that this situation did not fall into that category and that she should just resubmit the claim. She stated that she unable to resubmit the claims because she spoke with the contractors that process the claims ( on XX/XX/XXXX ) which is XXXX XXXX XXXX and spoke with XXXX ( Ref # XXXX ) and it 's now my responsibility and I have to pay the bills and it 's nothing else that she could do. On XX/XX/XXXX I received my XXXX Summary but only for XX/XX/XXXX from XXXX XXXX XXXX for my XXXX and from there it says {$95.00} was paid on XX/XX/XXXX, but yet and still I 'm in collections for this same bill. I am very confused I do n't understand what is going on this is overwhelming it 's causing my XXXX XXXX to go up. I 'm starting to feel like I 'm being taken advantage of in this situation. I do n't know anything about medical billing, and how all that stuff works all I know is that I have XXXX & XXXX to cover my medical expenses but yet and still I 'm being held liable for a error that I was unaware of until recently and as soon as I found out about it I tried to fix it but all I keep getting told that there is nothing that can be done about it from everywhere I turn. Now I 'm worried about going to the hospital because I 'm afraid of being charged for services that I just ca n't afford on my own.I 'm on XXXX I only get one income a month and after I pay my rent I only have about {$30.00} or less left over from my check. If you need to verify this information I can provide my statements along with my rent receipts. So if anyone that 's reading this that can help me please do because I just do n't know where to go at from here. I 've had coverage since XX/XX/XXXX and never had any issues until now. Attached I have my XXXX Summary, Credit Report and a conversation with XXXX about what really happened. Again someone please help me I do n't know what to do from here.
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| 04/22/2015 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I saw this contact info on my credit report.
LANCASTER COLLECTIONSXXXX XXXX, PA XXXXPhone # : XXXXXXXXI called them to find out/obtain the more details about collection.
Here are some highlights of phone conversation I had with them. Definitely feel free to request the call transcript to verify that the detail I am sharing here is the true presentation.
1. They did not have any of my personal info when I called them, they took all info from me. Name, SSN, current address and the current phone number. ( That was my mistake, I should have reach out to you in the XXXX place ) 2. They were unable to talk fluently and confidently. I sensed they were talking too defensively when I called them on Monday XX/XX/XXXX.
3. There was a clear lack of passion and dedication towards their client for whom they were trying to collect the amount.
4. The only correct information ( verifiable ) was the date of service of my visit to ER in XXXX.
5. They did n't have the creditor information available handy and did not share even the phone number or the address.
Now the above was my interpretation and feeling based on the interpretation out of XXXX phone calls I made to them.
Here is another part of story. I made an ER room visit to XXXX XXXX last year XX/XX/XXXX. It 's true. The only verifiable amount I owe them, I have an invoice for it.
The strange and unacceptable part, and the reason to visit this site today are ; 1. Not a single original invoice was sent by the hospital ER room at all. ( I am not talking about the reminder statements/invoices ).
2. The ER ( never ever ) sent me the {$650.00} invoice by mail at all.
3. Let 's say hypothetically, they sent me. The invoice They never ever sent me a reminder, collection warning letter or any final settlement opportunity to pay off my part of obligation.
4. The only letter I received is straight from collection agency asking {$650.00}.
5. I callec XXXX XXXX and spent quality time to pull off all invoiced I owe them, nowhere {$650.00} invoice comes into picture.
These guys ruined my credit in a structured way, making their case by obtaining missing info from me during my XXXX call that I realized during my XXXX call with a different tone of language.
Also, with another similar situation, a collection agency ( an authentic/genuine ) shared the creditor info right over the phone including the phone number and an address. These guys told me, we do n't have an access to those details, we 'll get back to you soon. ( No specifics here in terms of time line ).
Another part of story, ( I am sorry, I am trying my best to connect pieces to complete the puzzle, and believe me I am not spending time to write this story just to avoid to pay {$650.00} ) Here is what happened, some how I found the creditor contact number ( The emergency room, its XXXX XXXX XXXX, which is unreachable. Only once a lady came over phone, listened to me too carefully and never picked a call after XXXX times I called then after. However I left a VM with my name and contact number ).
I saw online, thanks to XXXX. I found this is what other people are saying about the collection agency. Definitely you can see it online.
Please continue to read the complain in the other part of this submission.
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| 10/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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Please note my complaint is against XXXX XXXX XXXX XXXX who does the billing for the Physicians at the hospital ans also against Lancaster Collections .I found out about this debt when I applied for credit and was denied due to this derogatory information being reported on my XXXX. Through further investigation, I found out that " XXXX XXXX XXXX XXXX. had placed my account with a XXXX party collection agency, Lancaster Collections. I never received notice of any such bill and had they sent the correspondence to me and or contacted me by telephone then I would have made an arrangement to resolve the debt. This is the XXXX time this year that this same exact scenario has played out.Where both companies FAILED to make an attempt to contact me via phone or email and just placed an account in collection.Therefore, I was NEVER afforded the opportunity to resolve the debt in a timely manner prior to it going to collections and effecting my credit in a negative way. The hospital has my current information and sends me a monthly billing statement every year. The first time it was in regards to account # XXXX and after speaking to XXXX from XXXX XXXX at XXXX ext XXXX she promptly resolved it by recalling the account from collections and having all derogatory information deleted form all national credit bureau agencies. Therefore, I should not be going through this a XXXX time around for a different account as they have my current address and telephone number. However, once again they placed me into collections and failed to contact me via mail or telephone in regards to my daughters account # XXXX and on XXXX/XXXX/15 I contacted XXXX XXXX at XXXX and spoke with XXXX at XXXX XXXX who ASSURED me that he would recall the account from Lancaster Collections as well as have any derogatory information deleted form the national credit bureaus. Unfortunately, he FAILED to follow through on any of this.
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| 12/05/2017 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Thank you for your recent communication wherein you claim to have validate the alleged debt. The information you have provided is woefully deficient and fails to establish that this is a valid item.
First, you have not, by any credible means, demonstrated that I owe this alleged debt to YOUR organization. You have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. You have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation.
Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, your agency or the creditor.
Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, note that if you continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act.
Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization AND to the original creditor. Your answers were condescending and I WILL be sure to report this negative response to the Consumer Financial Protection Bureau, Federal Trade Commission and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law.
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| 05/15/2015 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Collection Agency of Credit Bureau of Lancaster : I Had a dispute with insurance coverage between an in network and out of network issue that delayed my payment and caused it to be reported to the Credit Bureau of Lancaster. After the insurance issue was settled, I logged onto the credit bureaus web site to make payment, however, I did not have an account number since I was never mailed anything. I called the credit bureau to obtain this account number. I advised them that I needed the account number to make payment. I was advised that the call was being recorded. I informed them that I did not want to the call recorded and that I just wanted to have my account number. The call was already being recorded without my permission. I advised them I did not want it recorded and they advised me that they refuse to speak to me and provide me with my account number to settle my debt without the call being recorded. I am a recently retired XXXX who is well versed in the Pennsylvania Wiretap Act. I proceeded to advise them that this was unlawful under that act and was a felony to record my voice without consent. I am wanting to pay this medical debt that should have never been sent to collection in the first place pending resolution with the insurance company, however, because I did not want my conversation recorded, I have been refused the info I need to settle this debt. This illegal conduct needs to be addressed and criminally investigated.
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| 12/05/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have previously demanded that your company provide contract with my authentic signature that started this alleged debt.. You have failed to do so. Please take notice that your inaction is detrimental to me and is in violation of various laws, including, but not limited to, the Consumer Credit Protection Act ( CCPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ).
As you are aware, your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. You inaction makes it apparent that you have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed by your dissemination of information that is inaccurate or which can not be validated. Specifically, you have communicated and are continuing to communicate incorrect and defamatory information to third parties, including, but not limited to, Credit Reporting Agencies..
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. Please accept this letter as my demand for the immediate and complete removal of this tradeline from my credit reports ( Credit Reporting Agencies ).
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| 04/19/2017 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I contacted XXXX XXXX after noticing that this alleged account was removed THREE TIMES in XXXX - specifically XXXX XXXX and XXXX XXXX , XXXX , and XXXX XXXX , XXXX . This collection agency has reinserted themselves back as Credit Bureau of Lancaster, to which I never got the 5 day notice & this is a FCRA violation. I have asked them for my contract with them and they have failed to sufficiently verify the alleged accounts, which they sent me different bill print outs ( not original ). They have also failed to provide my contract and signature with them because XXXX Hospital does not have these records, and was referred to contact XXXX XXXX XXXX who handled some old accounts according to XXXX Hospital, they too have no records. Today, XXXX / XXXX / XXXX - I called XXXX today and spoke to a rude representative who stated that they could not give me information on the account. My calls are ALL recorded, and available upon request.
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| 05/03/2016 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I was notified by my credit company that my credit score had dropped. I checked my credit report and saw that I had a collection agency report. I was never notified of the debt, never given a chance to dispute it or to give my insurance information. Lancaster Collection alleges that they do n't have my info but they were still able to place it on my credit report. They could have gotten my address and phone number ( same number for XXXX years ) from my credit report. When I called they said it would take XXXX days to remove this from my credit report!!!! I was never given a chance to stop it from going on my credit report. I am suffering damages each day my credit score is artificially lower. Car insurance renewal, credit card companies evaluating me for offers or lowering credit limit thus increasing my debt ratio. This is terrible that they have the power to do this without speaking to me first!
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| 05/03/2016 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I was notified by my credit company that my credit score had dropped. I checked my credit report and saw that I had a collection agency report. I was never notified of the debt, never given a chance to dispute it or to give my insurance information. Lancaster Collection alleges that they do n't have my info but they were still able to place it on my credit report. They could have gotten my address and phone number ( same number for 15 years ) from my credit report. When I called they said it would take 55 days to remove this from my credit report!!!! I was never given a chance to stop it from going on my credit report. I am suffering damages each day my credit score is artificially lower. Car insurance renewal, credit card companies evaluating me for offers or lowering credit limit thus increasing my debt ratio. This is terrible that they have the power to do this without speaking to me first!
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| 01/31/2018 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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The original holder of the debt sent me a bill for {$470.00} in XX/XX/XXXX. I called them and asked if they offered a discount for uninsured patients. I talked with someone named XXXX. She told me that they offered a 25 % discount to uninsured patients, and she said she would send me a new bill in the mail. A few days later, I received a bill say that the bill is {$350.00} for self-pay patients. That letter is dated XX/XX/XXXX.
Within a month, this bill was sent to collection to the Credit Bureau of Lancaster County , Inc . They said I owed {$470.00}. I faxed them a copy of the bill in which I was told I owed {$350.00}. They responded with a letter dated XX/XX/XXXX saying that the discount did not apply if the bill was sent to collection. However, that is not what XXXX said, and that is not what it said in the bill that was mailed to me on XX/XX/XXXX.
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| 12/03/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Wrote letter on XXXX2017 to Credit Bureau of Lancaster County , Inc that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised Credit Bureau of Lancaster County , Inc. to remove incorrect information off my credit report. More importantly, Credit Bureau of Lancaster County , Inc are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Credit Bureau of Lancaster County , Inc .
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| 08/31/2015 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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After Credit report disputes the Credit Bureau of Lancaster County , Inc .
( XXXX County PA ) Is unable to provide an agreement of services or any signed document of a XXXX $ bill that is showing delinquent on my credit reports.
They did however request that I pay the bill and request that it be removed from my report. I refused to acknowledge the debt.
This is not a debt that I agreed to nor did I authorize.
I was willing to actually pay it if it were completely removed from all XXXX major credit reporting agencies of which the Credit Bureau of Lancaster County , Inc . Refused.
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| 05/29/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American, Servicemember |
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Credit Bureau of Lancaster County , Inc XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX , PA XXXX XXXX : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX See below : The company ( Credit Bureau of Lancaster County , Inc ) s aid XXXX XXXX owed {$270.00} when this is false. The debt is not mine. I am XXXX years old, have medicaid and XXXX XXXX XXXX with co-pays of {$0.00}. See document. Thank you. XXXX XXXX
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| 01/27/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Received a call from Credit Bureau of Lancaster ( XXXX ), Debt Collection Unit, on XX/XX/18, for ( what I believe ) is a medical debt paid more than a month ago to the original merchant. Don't understand why I am receiving a debt collection call, and I'm concerned that there is derogatory information that should not be reflected in my credit history.
|
| 04/07/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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My insurance company were to pay all my XXXX and they never did. I was in a terrible XXXX in which all my XXXX were to be paid and that did not happen. So all of my XXXX were put in collections due to them not taking care of this serious situation. I did not have the money to pay them myself. LANCASTER COLLECTIONS XXXX XXXX XXXX XXXX XXXX PA
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| 01/27/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Please I called to lancaste collector and they are n't longer with that account so they gave me the new collector number I contacted that collector make a payment en full he sent me the receipt. Later sent the receipt to credit burrows and they do n't removed from my credit report that account.
That payment was make it XX/XX/2014.
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| 04/15/2015 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
Servicemember |
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I submitted a dispute to the colletion agency dated XXXX XXXX 2015. The company has not completed an investigation and provided me with any results regarding my dispute. Instead they just submitted the information to my credit report. This is plain harassment.
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| 01/19/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I have tried numerous times to contact the collection agency. I have been hung up on while speaking. They refuse to work with me even after providing evidence of payment. The amount owed is incorrect and should only be {$19.00}
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| 01/19/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I have sent in documentation that this debt was paid and still have no answer nor will this company properly communicate with me. They hang up on me mid-sentence every time.
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| 09/21/2016 |
Yes |
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
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This bill is from a hospital emergency room as a result of a car accident that the insurance company should took care of it.
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| 12/30/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
|
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|
| 10/17/2017 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
|
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|
| 09/22/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Postal mail |
|
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| 09/18/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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|
| 08/16/2017 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
|
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| 06/08/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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|
| 03/27/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
|
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|
| 02/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
|
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|
| 07/04/2016 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
|
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|
| 06/12/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
Older American |
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| 06/08/2016 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Postal mail |
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|
| 01/26/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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|
| 09/01/2015 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
|
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| 06/16/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/07/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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|
| 05/06/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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|
| 05/05/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
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|
| 05/04/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
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|
| 03/10/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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|
| 03/03/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 02/26/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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|
| 01/23/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Referral |
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|
| 01/08/2015 |
Yes |
|
- Credit monitoring or identity protection
- Problem cancelling or closing account
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Web |
|
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|
| 12/04/2014 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
|
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| 11/19/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/02/2014 |
Yes |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 08/27/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/28/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
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|
| 07/22/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/20/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
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|
| 02/25/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
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|
| 02/25/2014 |
No |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
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Web |
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