Focused Recovery Solutions, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/30/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 22405	Web	Older American, Servicemember
I am a XXXX % permanently and totally XXXX XXXX with a service connected XXXX The VA is obligated to pay for my treatment if I am scene on an emergency basis at a local hospital due to XXXX symptoms. In XX/XX/2012, such was the case. The hospital intake worker for billing was informed and placed the information on the face sheet of my folder. All other service providers followed the practice and were paid by the Central Fee Basis department at XXXX except XXXX of XXXX ( Virginia ). After several months, they began sending me bills for their service on this occasion. While I notified them numerous times to file with the VA using the appropriate code and form, they ignored me and just kept trying to bill me. I returned a copy of every bill they sent me with the same instructions clearly marked in red type. They still ignored me. Recently, after XXXX years and XXXX months, I received yet another bill from them with interest charges on top of the original charges. The total is now over {$600.00}. I do not owe them XXXX red cent. They failed to follow simple and repeated instructions which would have led to payment from the XXXX. In a recent call to them I laid out the facts of the case, and XXXX, supervisor of collections admitted they had made a mistake. I asked her what they were going to do to correct it, and she simply responded, " Nothing. '' They apparently reported the debt to the XXXX major credit bureaus in XX/XX/XXXX of this year, and again in XX/XX/XXXX through their collections affiliate, XXXX Solutions. I had contacted the latter and disputed the bill, cautioning of legal action against their client if this was not straightened out. They said the did an investigation and decided to stick with the client. Thus, they become drawn in to this complaint because they did NOT do a careful investigation and proceeded to take additional action to damage my credit. Earlier this summer I had excellent credit, but it has recently been reduced to fair, and only because of this XXXX creditor 's actions. I am trying to find a house to buy with my VA loan, but the damaged credit rating will hurt that effort severely. My XXXX Credit Card availability of credit was reduced by my bank to the tune of {$11000.00}. I had a total of credit availability from them of {$15000.00}, and they wrote to tell me that due to the decrease in credit rating, they were cutting my total available XXXX XXXX to {$4000.00}. All of this damage is primarily the fault of XXXX XXXX of XXXX and their refusal to do the right thing. I have several conditions that are service connected in addition to the 100 % for my XXXX. I suffer from XXXX and interstitial cystitis and chronic pericarditis ; all of which are worsened by stress. I was hospitalized again as recently as a month ago with symptoms of cardiovascular issues. While I now personally believe that XXXX XXXX of XXXX 's actions indicate deliberate and purposeful fraud, Given the evidence of wrong doing they appear to admit to, I can afford to do little more than take them to XXXX XXXX. Any action there is not binding on either party, and I can not afford an attorney to sue them. I hope you will help me resolve this. As I have a copy from XXXX of the face sheet that outside providers use to do their billing and it clearly shows that the XXXX was supposed to be charged, I hope you can help me get them to accept responsibility for their error and stop harassing me. XXXX more associated matter. In a more recent incident, when I was seen at XXXX and gave clear and explicit details about billing, XXXX. refused to follow those instructions and billed my medicare instead.
09/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 220XX	Web
To : Focused Recovery Solutions Inc. XXXX NC XXXX Certified Mail Re : XXXX XXXX XXXX Case # XXXX Acct # XXXX Service Date XXXX XXXX XXXX To whom it may concern : As you know we have directed correspondence to this alleged debt to our legal counsel XXXX XXXX and have discussed the case with XXXX XXXX XXXX and its accounts receivable department. The error to receive proper payment was in coding this bill properly in order for the insurance company to pay the bill. The improper coding on the bill has created the insurance company to deny payment. The medical procedure of XXXX is not optional like a XXXX but mandated by the County of XXXX as well as the United States department of XXXX control. XXXX XXXX in Delaware has billed properly and was paid properly given the fact that they coded it as mandatory versus optional. Our insurance company XXXX has informed you on more than XXXX occasion as well as us that your coding of this treatment was in error by the XXXX XXXX nevertheless XXXX XXXX refused to change the code from an XXXX to a XXXX. My wife did not seek a XXXX as a way of not XXXX in the event she should someday be exposed. She went to XXXX XXXX to receive a subsequent vaccination in her series as the result of having been exposed to a XXXX over 2 nights and waking with a XXXX that had not been noticed before. As you have been previously notified, she was told to get this XXXX by public health officials. Nobody in their right mind would go through this XXXX unless it was absolutely necessary! This lack of changing the code has created a denial for this bill to be paid timely. My wife and I are willing to have a court of law decide what to do or an arbitrator of choice. This is our second written correspondence to put this behind both of us and we look forward to a resolution to this matter. Sincerely XXXX Virginia XXXX Second Letter : To : Focused Recovery Solutions Inc. XXXX NC XXXX Certified Mail Re : XXXX XXXX XXXX Case # XXXX Acct # XXXX Service Date XXXX XXXX XXXX Date : XXXX XXXX XXXX Dear XXXX XXXX XXXX : We are in receipt of your letter on XXXX XXXX XXXX however Focused Recovery, XXXX XXXX XXXX your client has failed to understand and realize the error and omission of your billing method in XXXX of XXXX as well as XXXX XXXX. This is true that you billed our insurance company and it is also true they did not cover the " XXXX of non-covered charges '' due to your billing code error as stated in the XXXX XXXX letter. Secondly, according to contract procedures that XXXX XXXX has with my insurance company XXXX proper billing and protocol was not adhered to thus coverage was denied. Billing for coverage for services over one year old is normally not allowed and is a breach of the covenants within the contract in addition to the coding error. If you re-read the letter sent by registered mail on XXXX XXXX XXXX the bill was sent with the wrong code therefore your claim for insurance was denied. If XXXX XXXX had taken proper action in correcting this billing in XXXX near the service date then the bill would have been paid but no timely action was adhered to thus creating a denial of coverage from the insurance company. I had requested arbitration as well as proceeding to court to have a judge decide this matter however you have decided to harm the XXXX family by reporting this to the credit bureau. This malicious act of harming our credit rating will have a great effect on obtaining credit, getting a home loan at a reasonable rate.
10/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22408	Web
My son went to the XXXX XXXX XXXX XXXX sometime this year. The hospital been sending him a bills saying that he owes them {$240.00}. After not getting a response from my son about this debt, they then sent it to the collection company Focus Recover Solutions to see if they could collect the money owed. Focused Recovery Solutions did not contacted me about this debt to see whether it belongs to me or my son because we have the same name. Instead the went ahead and place this debt on both of our credit report. I contacted the collection agency to let them know that I did not owe this money and that the debt belongs to my son. I also contacted the hospital about the debt and they also stated that this debt does not belong to me and that I should contact the collection agency again. I have contacted the collection agency 5 time already to see if we can resolve this issue.The collection agency states that they have already notify the all three credit reporting agency to have this item remove from my credit profile. XXXX and XXXX removed the item but XXXX will not remove the item and insisted that the item belongs to me. I have repeatedly disputed this item but XXXX still say that the item belongs to me. I even try to get the collection agency on the phone with XXXX, but the representative from XXXX say she ca n't speak to third parties and will not take the information from the representative from collection agency with the control number showing that they already send the request back in XXXX XXXX to have this Item remove.I have also asked Focused Recovery Solution to send me a letter stating that this item belong to my son and that they have request removal of this item, but i did not get that request full fill. I again contact the billing department at the hospital and they stated that they will have the collection agency send me a letter showing that they corrected the mistake, still no letter. I did not go to the hospital and I do n't owe them the {$240.00} that is placed on my report. I need this Item remove from my credit report immediately.
07/08/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OH 43110	Web
Recently while conducting a monitor of my credit report I discovered that FOCUSED RECOVERY SOLUTIONS has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency
11/05/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 232XX	Web
This is a follow up complaint to XXXX-XXXX, in which 1 ) XXXX, working on behalf of XXXX XXXX Hospital, claims I never revoked TCPA consent and 2 ) Focus Recovery Solutions, collecting on behalf of XXXX XXXX Hospital contacting me illegally with an auto-dialer. I am writing to share additional information and to contradict inaccurate statements in the company responses. I have a recording of my conversation with XXXX on XX/XX/18 where I unequivocally revoked TCPA consent. Here is a transcript : Agent - " Do you give us permission to contact you on your cell phone using the automated dialing system or pre-recorded voice for future inquiries? '' Me - " No. '' Agent - " OK. '' This TCPA revocation was reasonable and valid, yet was not documented across my accounts with XXXX which, at the time, were accounts ending in XXXX and XXXX. The representative did not ask if my revocation was subject to one account or the other, yet a future representative notified me on XX/XX/XXXX that I had to call in separately for each account. My inclination, which I fully intend to prove through discovery, is that XXXX was managing and collecting on both accounts, but XXXX XXXX Hospital spelled my name incorrectly on one. That is the reason why they did not notate the account. When account XXXX was recalled from their office by XXXX XXXX Hospital and placed with Focus Recovery Solutions, XXXX 's failure to honor my revocation resulted in me being contacted illegally by Focus Recovery Solutions via autodialer on XX/XX/2018.
12/05/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 241XX	Web	Older American, Servicemember
I pay more than {$3000.00} per year for health insurance through Medicare and XXXX but XXXX XXXX Medical Center has never billed my insurance for an amount of {$3300.00} due to ER care. Further they tell me that the Insurance company representing the party that rear ended me has already settled with me but they have not bothered to document that claim. I am represented by an attorney and the claim is pending so the debt is legally that of the Insurance company for the other party. The visit to the ER is billed out in XXXX parts-one for the use of equipment and XXXX for the medical treatment. XXXX XXXX XXXX provided treatment, billed my insurance and has been paid. At the present time XXXX XXXX Medical Center has placed their account for collection and I have been reported to XXXX and XXXX. In my opinion, XXXX XXXX has denied due process ( filing with my personal insurors ), has unfairly damaged my credit rating which dropped XXXX points because of this reporting, is ignoring Medicare provisions for special payments to medical facilities in cases where the insurance payments are delayed in processing, and are engaging in a form of black mail to effect payment from me that I am not responsible for. I contacted the billing department at XXXX XXXX on XXXX XXXX, 2016 with full documentation of everything above but have not received any information back from them. I should not have to pay for someone hitting me from the rear when I was stopped at a traffic light. This debt is not mine.
10/14/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 23320	Web
I am filing a complaint against the company for violating my consumer rights. I initiated a dispute and request for validation through the credit bureau and sent the company a written request for proof of this alleged debt. In this communication to them, I gave a reasonable time frame for the company to respond in writing ( 30 days ) and also requested that they cease and desist any verbal communication. The company has ignored my request for proof of this debt and has also violated the FDCPA by continuing to place calls to me. On XX/XX/19, A representative contacted me by phone against my wishes. I explained that I do not believe this to be a valid debt and advised her that I sent a request for validation with an updated address for all communication to be sent to me in writing. The collector told me they are not required by law to provide proof of the debt and would not be providing validation. I explained that the law states if they choose not to validate the debt, they must stop all collection activity which includes credit reporting. She proceeded to try and argue with me and started to raise her voice and speak to me in a condescending tone even while I remained calm and professional. This company is blatantly disregarding the FDCPA and FCRA. They are refusing my rights and also reported back to the credit bureau that the information is certified as accurate. They have yet to send me any documentation to validate this claim.
11/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 231XX	Web
Dear Federal Trade Commission : This is a letter serves as a formal investigation request investigation for a breached agreement by Focus Recovery Solutions. On XX/XX/2018, Focus Recovery Solutions mailed a counter-offer in response to my original settlement letter dated XX/XX/2018. On XX/XX/2018 I faxed a letter accepting their counter offer in the amount of {$390.00} contingent upon deletion and any negative remarks on this account. Despite my financial hardships due to their willingness to resolve this account I paid the counter offer as agreed on XX/XX/2018. I feel as though their eagerness to help me resolve this account was a form of deception get me pay with no intentions of removing from my credit after settlement. On XX/XX/2018 not only did they update this account on my credit report as a new collection account they added a negative remark indicating this account was settled for less than the original amount owed. Their actions not only dropped my credit score 21 points but has cause other revolving accounts to affirmation actions to include lessening my credit limits based off current credit score. I am requesting the immediate removal of this account that i am no longer liable for. Should this account status remain on my credit report, I ask that my payment of {$390.00} be returned for breach of contract and any further communications cease. Thanks in advance for your prompt assistance in this matter.
04/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23225	Web
On XXXX XXXX , 2017, I d id n't have cash to pay a toll. The attendant wrote me an Unpaid Toll Report in the amount of {$0.00}. On XXXX XXXX , XXXX , I wrote a check, per the instructions of the Unpaid Toll Report, and mailed it to XXXX XXXX XXXX XXXX . On XXXX XXXX , 2017, I got notification it cleared my bank. On XXXX XXXX , 2017, I did n't have enough cash to pay another toll. I paid {$0.00} in cash and the attendant wrote me an Unpaid Toll Report in the amount of {$0.00}. On XXXX XXXX , 2017, I wrote a check, per the instructions of the Unpaid Toll Report, and mailed it to the XXXX XXXX XXXX XXXX . On XXXX XXXX , 2017, I go t notification it cleared my bank. Then, on XXXX XXXX , 2017, I received a letter from Focused Recovery Solutions , Inc. XXXX XXXX XXXX , XXXX XXXX , XXXX , VA XXXX indicating that my account has been placed with them for collection action. In addition to the {$0.00}, they are including an administrative fee of {$25.00} if not paid within 30 days. On XXXX XXXX , 2017, I called both the collection agency as well as the vender, XXXX , to try and resolve this. They have n't pulled it from collections pending verification of these payments. This appears to be a shady business practice as both checks were cashed or deposited by the vendor in the month of XXXX .
02/22/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23112	Web
A medical bill for XXXX XXXX XXXX was setup on a credit card to be charged each month. At some point, as happens frequently to us, our card was compromised and canceled and re-issued. If yo have ever had this happen, is it not easy to forget all the payees that may have your card? It is very easy to forget. No new letters, no calls were received. While in the process of buying a home for my elderly Mom to live near us, we were alerted of a collection. I immediately called : FOCUSED RECOVERY SOLUTIONS Agency Address : XXXX XXXX XXXX XXXX. XXXX, VA XXXX ( XXXX ) XXXX and inquired about the account being on my credit report. I politely, asked questions, and confirmed that the credit card payments had been interrupted by the credit card breach. The very next day, I paid this in full and Focused recovery explained my flex spending would be charged, and the record on the CRA would be deleted. Well, they issued a XXXX balance to the CRA 's, but not a deletion request as expected. An overnight letter, XXXX, was sent, with no response and no deletion order sent to the CRA 's. I have this tracking number if required, please contact me. This should not impact my ability to get a good rate on a mortgage, because no-one called me about the credit card payment issue, no letters were received. I have no collections, and never missed a payment on any accounts.
06/13/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	XXXXX	Web
I was renting a salon space from XXXX XXXX inc. I was allowed to break my lease because they had a tenant ready to take my space over. I moved out and was at a XXXX balance. One week after move out I went back to the space and another tenant was in there working. I was told I would be responsible for rent if no one moved in. So fast forwa rd 2 yr s later I get a letter of collection, stating I owe one month rent plus late fees. I never once received a bill. I requested my statement from XXXX XXXX before I made any disputes. My billing statement was closed out XXXX owing {$250.00} fore cleaning and repainting fee. I moved out in XXXX no where on the bill was I charged for XXXX XXXX rent or late fees. Now all of a sudden I owe almost {$1400.00}. I have spoken with the owner who did not have a answer as to why and then told me just deal with the creditors. I have dealt with the creditors which are n't of any help and the forged a document stating what I owe because I requested documentation from them more recently and it 's absolutely not the original document I received before I went into disput with them.
08/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 245XX	Web
I had a medical bill for {$45.00} that was paid by check to the company that provided the service, XXXX XXXX. Months later on XX/XX/2019, I get a notice from a credit monitoring agency saying a deliquent account for {$45.00} was reported by " Focused Recovery Solut '' to ONE of the credit bureaus. I called the number to investigate what it was for and then see it had already paid but call the bank and the check didn't show cleared so I mailed another check to the company, XXXX XXXX, and carbon copied the letter to the collection company, Focused Recovery Solutions, on XX/XX/2019. I never received any correspondence from Focused Recovery informing me of the debt or trying to collect until yesterday, XX/XX/2019 when they said they received my dispute and it was infact valid and they did report it to the credit agencies and are still demanding payment. Furthermore, they reported it to the other two agencies the first of XXXX. The appropriate steps were not taken to collect the debt and it was paid again on XX/XX/2019 by check # XXXX and cleared the bank on XX/XX/2019 -- -so it's NOT VALID!
02/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 20105	Web
On XX/XX/XXXX, I went to the emergency room at XXXX XXXX Hospital in XXXX County VA. In early XX/XX/XXXX, I received a bill for over {$3000.00} for services from XXXX XXXX XXXX ( XXXX ). My medical insurance provider told me not to pay the XXXX bill as it was a double-billing issue. XXXX sent the billed amount to a debt collector in XX/XX/XXXX and the amount in dispute was listed on my credit report as a collections. The issue was not with my medical insurance provider but with XXXX. XXXX was attempting to collect an amount not owed by me. My medical provider stated that XXXX was contractually bound to accept agreed upon payments for services rendered and nothing more. I feel that there is an on-going fraudulent business practice by XXXX by trying to collect additional dollars for services covered ( and paid ) by medical insurance providers. XXXX finally accepted payment in late XX/XX/XXXX by my medical insurance provider but not before I was hounded by dept collectors and a negative collections account was placed on my credit report.
03/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23502	Web
Focused Recovery Solution ( FRS ) - I paid off the attached debt to the creditor. Once my check cleared I contacted the account to verify if my account was updated and information forwarded to the credit bureaus. I was informed FRS does not update the credit files with partial payments. I advised the account I was only aware of the balance of {$750.00} and inquired of the difference. The FRS collector advise she wasn't sure of the difference therefore I disputed the balance of {$130.00} with the account. To date I have to received an explanation of the remaining balance. Once FRS advised they did not update partial payments to the credit bureaus I forwarded the information to the credit reporting agencies directly ( XXXX, XX/XX/XXXX and XX/XX/XXXX ). All three had updated my file to reflect the correct balance however when I checked my report with XXXX today I've noticed the full amount of the account was re-established on my credit report ; which is erroneous.
12/05/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 24541	Web
I have been trying to have this incorrect report removed from my XXXX Credit Report since this first took place in XXXX. I have tried REPEATEDLY to communicate with managers and representatives alike. Back in XXXX I was finally able to talk to a manager about the situation - which is that this was not billed to my insurance even though I had Insurance - and I was told it was going to be removed and MY ACCOUNT NOTED. Yet this never happened. I was NEVER even notified of this debt and AS SOON AS I RECEIVED A PHONE CALL I WORKED WITH THE HOSPITAL AND MY INSURANCE TO HAVE THE BILL PAID IN FULL. It was. The hospital has since changed ownership and they are not able to provide me with any records or notes because I was told their system has been changed and there is no way to access the old XXXX XXXX XXXX XXXX. Under the CRNR, a client has the right to be notified before a negative report can be made on their credit and I was not.
12/12/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 20877	Web
I recently received a copy of my credit report and noticed some erroneous items on my credit reports. Focused Recovery Solutions is handling the collection of the accounts mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Focused Recovery Solutions and me which makes them entitled to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim. Provide me with a certified copy of an original contract with my signature, specifically naming Focused Recovery Solutions entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
05/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 239XX	Web
On XX/XX/2017 I paid {$220.00} to XXXX XXXX via debit card online ( as I was directed to do by focused recovery group, to whom the account had been turned over to for collections ). I have a receipt that was sent to my email that shows the account paid in full available for upload, if necessary. This information has been shared with all 3 credit bureaus as well as Focused Recovery Group. I continue to have my credit dinged every 30 days by Focused Recovery Group for a debt that was paid OVER 2 YEARS AGO! When I have disputed it ( repeatedly ) they drop it off my report for 30 days and then file it again so I have had to continuously dispute a debt that is not owed and furnish evidence that they themselves have acknowledged is accurate. This is a predatory tactic used to try exploit additional money from people that is not owed.
01/29/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 245XX	Web
On XX/XX/XXXX, I sent Focused Recovery a " Validation of Debt letter that my attorney gave to me. I would like to see the proof that I actually owe these debts as the credit report shows the original creditor to be named only as " Medical ''. I have no idea who " Medical '' is. I also don't recognize having accounts with those balances. I also don't recognize the date of services that the credit bureau shows for these accounts. There are so many things that are confusing about this. Account # XXXX {$330.00} and Account # XXXX {$1000.00} What my attorney has told me is that this is not a legitimate debt. So I re-sent the request to validate the debt, and they refused to respond. I don't understand why they did that. I am very concerned about my rights being violated and am going to pursue all legal action to get justice.
08/03/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	VA 232XX	Web
I disputed a medical bill on my credit report. i disputed it with the credit bureaus and with the collection agency who reported the bill to the credit bureaus. in attempting to verify the debt, thr collection agency sent me an itemized list of medications with a total that was well below the total they claimed that I owed and haphazardly used and shared sensitive and private medical information in the process. I sent the collection agency another letter of dispute, and also disputed the information with the credit bureaus again. HOWEVER, the credit bureaus have marked the bill as verified and are no longer allowing me to dispute the bill with them, due to the fact that they have already " investigated and verified the debt '' but can not disclose the sensitive information that proves the debt has been verified.
07/24/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 225XX	Web	Servicemember
Focus Recovery advised us of the debt after placed on Credit Report. They didn't attempt to collect ( The 30 days ) until after already on credit reports. Then advised that our Insurance statements that say " This is NOT a Bill '' and " You May Owe '' are considered notification of a debt owed to the original creditor. When asked to verify the dept and was disputed they then forwarded all medical records from the hospital. This obtained all information of treatment and medications administered by the hospital. Focus Recovery also informed our XXXX year old son on his cell phone thinking it was mine that this was a medical debt with all the information thinking he was me. They informed him they would take legal action.
03/14/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 230XX	Web
focused recovery XXXX XXXX XXXX didn't take it off my credit report and i dont owe XXXXXX/XX/2015 and the account was closed it has not been removed from my credit report. also i had to send complaints to the XXXX in XXXX va cause another company XXXX closed the account but XXXX XXXX is asking for the XXXX XXXX turned it over to another collection agency and i sent the paperwork to the XXXX cause XXXX still wants there money so i need u to please take care of the this for me i talked to XXXX XXXX and they keeper telling me i owe and they were nasty on the phone with my wife so nothing has been resolved yet and i tried find the feed back on my complaint before u close it
09/15/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28269	Web
FOCUSED RECOVERY SOLUTIONS is being unfair and negligent. This company has RE-AGED the account and is reporting discrepancies across bureaus. I sent them a debt validation letter back on XXXX. They failed to respond or even mark the account as disputed. They didn't even investigate the disputes. Basically, I was ignored by this company. I am disputing the following item on my report : Account information : Opened : XX/XX/2015, High balance {$56.00}, original creditor : XXXX XXXX XXXX, balance {$0.00}. I am willing to take this to the next step by filing a small claim against the company because they have committed multiple violations against my consumer rights.
02/08/2019	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	VA 230XX	Web
focused recovery solution is on my XXXX and XXXX credit report. with XXXX XXXX XXXX XXXX XXXX XXXX and im being charged XXXX and the dates are XXXX XXXX and on my credit report there are 2 charges for the same day, i only went to him once. not twice and need to resolve this issue how can i go from XXXX, to another XXXX on the same day makes no sense, and why would recovery solution put it on both credit reports, i need your help to get this taken care of, im tired of people wanting money if i only went once, i never got any bills from focused recovery solutions or XXXX XXXX
05/31/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	VA 23832	Web
See attached. A debt collection agency has placed a negative trade line on my credit report without providing the validation of debt requested and a reasonable opportunity to investigate the putative debt. This is important because ( XXXX ) I previously owed money to the original creditor that was handled by Focused Recovery that was discharged in a Chapter XXXX bankruptcy and ( XXXX ) I may have been a victim of identity theft. A full legal analysis and memorandum of facts necessary to adjudicate my claim are attached.
06/08/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29407	Web
I have disputed knowledge of this account for over 2 years. Each time this account reports it reports as verified meets FCRA requirements however no debt validation has ever been sent to me to verify this account. I hold no legal contract wi th Focused Recovery Solution and under Hippa Laws my medical information is protected from 3rd party agencies. I have never consented or given any past or current medical providers permission to release my medical information to any 3rd party agencies.
06/22/2015	No	Debt collection Medical	Communication tactics Called after sent written cease of comm	VA 23322	Web
I have complained about this company XXXX through the CFPB and wrote both times that they were to stop calling any number they have for me. The XXXX complaint got no response and the XXXX XXXX I was un able to access the respone on the website. The CFPB said that the company recieved both comnplaints so I know they have seen the do not call me anymore message. Also I have disputed the known debts from this company and that should also be on record with the CFPB
08/02/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23322	Web
I saw a negative mark on my credit report from FOCUSED RECOVERY SOLUTIONS. XXXX XXXX lists XXXX XXXX HOSPITAL as the original creditor. The amount owed according to the hospital is {$62.00} and no bill was ever sent to substantiate the debt. I called the hospital and they sent a statement which is attached. How can I remove the derogatory mark on my credit? It has lowered my score for a year. Please help me resolve this situation.
04/04/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 23322	Web
This company needs to remove all information from my credit reports. To my knowledge, all medical bills were paid by insurance and up to date. I have never been informed of any debts owed, and even if there are some that I do not know about, their client did XXXX and almost sent me into XXXX XXXX for not doing test requested by me and my wife as well as noted in my medical files. I have a case against their client for negligence.
10/25/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 24502	Web	Servicemember
Focused Recovery solutions claimed I owed a medical company in XXXX VA, XXXX was paid long ago. I 'm not sure how this company ended up with the account. I never got correspondence from this company. They just showed up on my credit report saying I owed XXXX. When I called to verify the debt was real XXXX said the debt had already been paid. They also said they have no knowledge of the said credit collector.
01/29/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 232XX	Web	Servicemember
I was not aware of this debt after the bill came they stated they would make payment arrangements, I have not heard from them since then I've gotten this notice with my address has changed since XX/XX/XXXX this bill is dated XX/XX/XXXX. I am young wants to buy a home this will damage my good name tremendously.. Violated the HIPPA ACT or Law
07/05/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 24501	Web
I have sent several certified letters to Focused Recovery Solutions Inc stating I am disputing the current debt the company had been reporting to all three credit bureaus, I have asked for proof of a signature bearing my name. I was told they will not respond to any further letter or correspondence.
12/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23236	Web
I have called this company several times trying to dispute this debt they said I owed even tried to get my insurance to pay off something I had no clue about I asked them to provide me proof that this is me and still can't get a reasonable response.
07/18/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29407	Web
FOCUSED RECOVERY Solutions have three different account opened with three different amounts in which my son and his father has the same first middle and last name. FOCUSED RECOVERY SOL XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX
09/13/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 225XX	Web	Servicemember
Focus Recovery Solutions : never notified of the debt. Was notified of amount owed by DR office in XXXX paid directly to DR office in XX/XX/2019 was placed on my Credit Report by FRC on XX/XX/XXXX in the amount of {$350.00}.
01/05/2016	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	WV 253XX	Web
putting on collection a my credit report that 's not mine Talked to them on XX/XX/2016 say that they could n't find me in their files, I told them that they did n't have trouble finding me put on my credit report.
11/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 225XX	Web
Debt paid through office XX/XX/XXXX and submitted as paid to Focus Recovery on XX/XX/XXXX. Focus recovery proceeded to put on credit report on XX/XX/XXXX after DR office informed them it was already PIF.
07/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 230XX	Web
i owed dr XXXX XXXX and it was sent to focused recovery and i complained about it to you and it has been 3 yrs and they still say i owe XXXX you took it off and then it was still on i need it taken off
11/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 24012	Web
They tried to get me to settle with XXXX XXXX XXXX XXXX for {$580.00}, I rejected their offer on XXXX-2017, I told them not to send me any more bills from them.
02/04/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23701	Web
There is debt on my credit report from this company that does not belong to me
02/04/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NY 10466	Web
this debt does not belongs to me
07/13/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23464	Web

07/13/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23464	Web

06/09/2021	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23464	Web

05/11/2021	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23464	Web

07/09/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 24504	Web

09/25/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32803	Web

09/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 24563	Fax

08/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23111	Web

06/13/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 95376	Phone

04/24/2019	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	VA 23831	Web

01/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

01/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23607	Web

12/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23831	Web

10/09/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 23230	Web

07/09/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 41105	Postal mail

06/25/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23234	Web

05/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	VA 23602	Web

04/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07753	Fax

04/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 27956	Phone

03/01/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 22408	Phone	Servicemember

01/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28212	Postal mail

12/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23237	Web

10/20/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29407	Web

09/02/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23139	Web

08/11/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23113	Web

07/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 22303	Web

02/24/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 20170	Web

01/02/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 21146	Web

12/13/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 23503	Web

12/13/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 22443	Web

12/07/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94606	Web

10/03/2016	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	VA 23666	Web

09/01/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 23834	Web

08/10/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 23842	Postal mail	Older American

08/09/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 23237	Web

07/19/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	VA 24073	Postal mail

02/03/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	VA 24073	Postal mail

11/03/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 22553	Postal mail

07/26/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	VA 23192	Web

06/11/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 07728	Web

03/03/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 24541	Web

02/09/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	AP 96205	Web

01/20/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	VA 23322	Web

11/28/2014	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	VA 24073	Postal mail

09/14/2014	No	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	VA 23325	Web

08/20/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 24541	Web

06/02/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 24551	Web

04/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	VA 24558	Web

04/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	VA 23112	Web	Older American

03/20/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	VA 23322	Web

03/11/2014	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me instead of my attorney	CA 94518	Web

02/14/2014	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	VA 24153	Referral

02/06/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	VA 23229	Referral

12/26/2013	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	VA 23111	Web

12/18/2013	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	VA 23228	Web

11/25/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 23222	Web

07/23/2013	Yes	Credit reporting	Incorrect information on credit report Account status	VA 23831	Web