Gragil Associates, Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
09/01/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NH
  • 032XX
Web Servicemember
I disputed a bill received from a Hospital for services that were not performed. After contacting XXXX, the hospital initially responded ; the billing would be reviewed - but did not engage in any further communications before releasing the debt to a collections agent { Gragil and Associates, XXXX, The Hospital, " XXXX '' admittedly releases a monthly network generated list to Gragil and Associates, XXXX a debt collector. I contacted XXXX to discuss the status of the account and XXXX representatives explained the account was " written-off. '' According to Federal Law, an account reported to the IRS as a business write off balance can no longer be collected. XXXX parties assume or otherwise buy " write-off '' or " Bad-Debt '' aggressively pursuing collections of any portion of the balance. This account was written off as bad debt noncollectable before the dispute process of the amount billed was ever completed. Since that time ( over 2 years ago ) I have not been contacted or responded by XXXX to finalize the billing dispute. What occurred however was that I received a letter from Gragil and Associates, XXXX, I responded to Gragil WITHIN 30 DAYS that the billed amount was in dispute with LRGH. Gragil made no further attempt to confirm the balance or validity of billing or the claim of a debt owed before reporting it to XXXX, XXXX and XXXX. Repeated correspondences with Gragil have been disregarded. As of this date, XXXX XXXX, XXXX, Gragil upholds they are within their right to report the debt as a collections account, disputed or otherwise, until the debt is paid in full. Gragil refuses to review the dispute and refuses to remove the account from their monthly bureau reporting. I contact Gragil via phone today to demand again the account be withdrawn from their reporting until the dispute with XXXX was finalized. On behalf of Gragil and Associates, XXXX, representative XXXX XXXX states, All we have to do is report the collections account as " disputed '' ( which she acknowledges - means absolutely nothing in regard to a FICO score ) and went on to say " unless the debt is paid in full to our company, it will stay on your credit report as a collections account FOREVER! '' Managers for Gragil and Associates, XXXX were unavailable at the time - supposedly. XXXX XXXX of Gragil and Associates, XXXX. went on further to add, " since you requested we only contact you in writing, after our last letter to you in XXXX XXXX, we closed your account. It will just stay on your credit report until you pay it. '' I have written letters and have directly disputed this collections account on my credit report through the " Direct Dispute '' process link of XXXX and XXXX websites. Both disputes returned a simple finding of the following : This account was confirmed to be yours. Documentations of the investigation process from XXXX shows the dispute process of a collections account is merely confirmed by confirming a persons name, address, SS # and that an claim is being reported by a collections agency. The fact that a claim was initially disputed or that the billing was initially erroneous makes no difference. The effect of such claims of an erroneous collections account is SIGNIFICANT. These kinds of practices are a sham and must be addressed!
01/05/2018 No
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NH
  • 035XX
Web
XXXX XXXX XXXX XXXX payed their portion of {$870.00} on XX/XX/XXXX. I received a voicemail from XXXX stating that my portion of the bill to paid is {$370.00}. Which adds up to {$1200.00}, the amount I owe to the XXXX XXXX XXXX XXXX XXXX. I have an itemized bill from the XXXX XXXX XXXX, showing a total amount due {$1200.00}, I also have a bill from the collections agency, Gragil, for that same amount. I called Gragil XX/XX/XXXX to check in and pay my portion of {$370.00}. The first gentleman I spoke with stated that XXXX, who is listed as the account representative was not available but said he could help. I informed him that XXXX has paid a portion of {$870.00} and that my remaining balance is {$370.00}. He said that he does show that XXXX paid that portion. He also stated that my remaining balance is actually {$700.00}. I asked him if he knew why, he said he does n't know, then told me he received an email from the XXXX XXXX XXXX stating I own {$700.00}. I told him I would call XXXX and he quickly said do n't call them, XXXX is looking into this but is not available today. He told me to call back after the holiday. I called XXXX on XX/XX/XXXX to confirm that they paid {$870.00} on XX/XX/XXXX, they did confirm that amount was paid to the XXXX XXXX XXXX. I explained to them what was happening with the collection agency, XXXX stated that they do n't pay the collections agency that they paid the XXXX XXXX XXXX XXXX XXXX and to call them. I called the XXXX XXXX XXXX XX/XX/XXXX I received an automated message that they are not in the office. I called Gragil today XX/XX/XXXX, another gentleman answered stating XXXX is not available but that he could help. I received a different story about why I owe {$700.00}. I told him he can not collect on a debt larger than what I actually owe, I explained I have the itemized bill in front of me. He states that he does see that my balance is {$370.00} but that I do have a collection fee. I stated that I have the bill from Gragil also, with no collection fee attached, no terms or conditions on my account. He stated that he could take off the fee and asked if I would be able to pay {$500.00}. I told him no, I do not owe {$500.00}. He stated that he will look into this and call me back. I have original documentation, my bill from Gragil does not show that I owe more than {$1200.00}. I called the XXXX XXXX XXXX, spoke with XXXX and let her know my situation, states that they did not bill me for anymore than {$370.00}, states that she does n't know why I would be charged fees and that what Gragil is stating is incorrect. XXXX stated that she would have the women who is in charge of this who is back in the office Monday get me answers.
10/08/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NH
  • 032XX
Web
In the process of applying for a mortgage, I became aware of two accounts in collections with Gragil Associates for services provided at XXXX Hospital in XXXX NH. I did receive bills from XXXX Hospital after the services ( two ER visits ) and let them know that they had billed the wrong insurance company, not the one that I had at the time of service. I was told that it would be resolved, and stopped getting bills from the hospital. This is the last I heard of it. When I found this on my credit report, I filed a dispute with XX/XX/XXXX ; the result was " verified as accurate ''. I contacted the hospital and was told that since it is in collections, they can not discuss it. I have contacted Gragil Associates directly at XXXX : I requested service dates for the original ER visits and was only given one date of XX/XX/16 and told that the other visit was " that same fall ''. I requested account numbers for each collection account and was refused. I requested that a statement be mailed to me so that I could have the full account numbers and bill for my records and was told that " the account is too old, we don't do that. We already sent it to you so you should have it. '' She verified my mailing address, which was correct, however I did not receive any notice by mail from this company. She told me that she was unable to tell me if the original charges were ever billed to the insurance company or provide any other details about the charges. When I told her that I believed there was an error in billing, she stated that " it was probably your deductible. '' The charges total nearly {$5000.00} combined. I was insured by XXXX XXXX at the time of the services ( one ER visit for myself, one for my daughter ), and I have been fortunate enough to have very good insurance coverage. I have never had a plan with a plan deductible over {$2000.00}, which means that the error in original billing was never corrected and simply sent to collections. The original provider will not address the problem, and the collection agency refuses to provide me with even the basic information about the debt. At this point my hands are tied, and even if I just gave up and paid the full amounts ( plus " collections fees '' of course ), the collection will remain on my credit report and still prevent me from being able to buy my first home. I appreciate any help that you can give. I am unable to attach documents, as I have not been provided any. Collection agency is Gragil Associates, XXXX XXXX XXXX, XXXX MA, XXXX, ph # XXXX.
03/10/2016 No
  • Debt collection
  • Medical
  • Communication tactics
  • Threatened to take legal action
  • NH
  • 03104
Web
I have confirmed with the hospital the procedure was performed at ( XXXX XXXX ) that they got a notice that the statement was not getting to me. They ( XXXX in the billing department ) read my address to me as # XXXX, I told her it is # XXXX and she said " yeah that 's what I meant '' and changed it. The first contact from Gragil Associates, I explained that I never knew I had a debt and certainly would have worked this out with the hospital, and asked if I could do that instead. She said no, and that she needed me to pay the full amount or it would be on my report and they would take me to court. I said I could not come up with the money, but can make payments, and she refused. She said " they do not do that '' and I have to pay the full amount. Since then, I have received a bill every month, and every month they 're adding more negative comments to my credit report. Every month, I do the same thing, and call and say that I can make a payment, but she says the same thing " they do n't do that '' and she wants it in full ( yet they are reporting to the credit agencies that I am refusing to pay, which is not at all the case ). I got a final letter on XX/XX/XXXX that says " I fail to understand your lack of cooperation and feel this should be paid. '' I have been trying to cooperate since day one, but they keep falsely telling the credit agencies that I am refusing to pay, destroying my credit. XXXX XXXX XXXX refuses to take a payment unless it is in full, which I can not afford, and they will not give he debt back to XXXX XXXX hospital, who now knows the mistake that happened in the first place and would be willing to work with me on a payment plan. I would like these negative remarks taken off of my credit reports from them, as I am TRYING to take care of this debt ; in addition I would like them to accept some sort of payment, or give the debt back to the hospital, so I can stop receiving threatening phone calls and letters in the mail. In addition, it should be stated that I have tried calling every single day since the latest letter was mailed to me on XX/XX/XXXX, and am told every day that she is not in the office ; so now they are still sending me threatening letters and having other people call me, but she will not speak with me.
03/09/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MA
  • XXXXX
Web
In XXXX of XXXX I incurred a medical debt for a XXXX test at XXXX XXXX ( a chain of urgent care centers ). I was not billed for this debt until XXXX of XXXX. At that time, I checked my health insurance portal and saw that the debt had been covered by my insurance and paid in XXXX of XXXX. I contacted XXXXXXXX XXXX and was told that the records must have crossed in the mail and to dispose of the bill. I did so, and contacted them a second time when I received another bill in XXXX. At that time, I also wrote XXXXXXXX XXXX and provided documentation that the debt had been paid in full by insurance. They appear to have sold the debt to Gragil Associates Inc sometime between XX/XX/XXXX and XX/XX/XXXX, as I first received correspondence from Gragil in XXXX of XXXX. At that time, I responded that I sought to dispute the debt as it had been paid, and also requested documentation regarding the debt. I began receiving collections phone calls from Gragil in late XXXX, despite never having received the requested documentation. I do not have records of those earliest calls, but the earliest one I can demonstrably document was from XX/XX/XXXX. I received " documentation '' that appears to be fraudulent from Gragil that was dated XX/XX/XXXX but postmarked XX/XX/XXXX on XX/XX/XXXX, at which time I had received about a half-dozen collections calls. The invoice for the debt was prepared by Gragil and has their mailing address at the top of the page, but it is designed to look like an invoice from Convenient MD. I have responded to Gragil in writing and provided documentation from my insurance company that the debt was paid in XXXX of XXXX. The calls have not stopped. On XX/XX/XXXX, I responded to the " invoice '' provided by Gragil with documentation of payment, and also included documentation of their unethical and illegal collections tactics ( sending an invoice that is not proof of the original debt ; the fact that collections calls began before documentation was sent as requested ). At this time I have not yet heard back but hopefully this will be the end of their attempts to collect the " debt '' that was never owed in the first place.
09/14/2018 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MA
  • 02149
Web
I am receiving a old medical service Bill ( Please see the attached copy ) that I disputed with hospital in many methods. I believe I have a right to protect my medical information and don't want hospital share my SS # DOB or any other information to the third party company like XXXX XXXX XXXX to attempt the disputed bills. As a Massachusetts resident I obtained health insurance policy and accept my health provider and primary care to negotiates with the insurance company before any medical service due and let patients know the results of the negotiation. in my case I am billed by XXXX XXXX XXXX {$500.00} for the date of service XX/XX/2017 under my name address and account XXXX. I called and give them written notice to resolve the problem but I received a debt collection notice from Gragil Associates, Inc and charged a increased amount of {$570.00} ( the original disputed amount {$500.00} ). This bill is a wrong bill to me and due to the XXXX 's financial administration processing fault and need to be resolved and must assured me that my medical information is not being compromised.
06/15/2020 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • XXXXX
Web Servicemember
I was looking at my Credit report on XXXX when I noticed that I had an account in collection for XXXX dollars. I looked up the company Gragil Associates and called them Spoke with a Ms. XXXX XXXX. After getting my information she pulls up account with wrong address. Address is actually XXXX year old sons and the bill is actually for treatment he received but they are listing me as responsible. After being put on hold she comes back on phone and states that they will fix their report to the Credit Bureau in 1-2 weeks. This report was fraudulent and has effected my credit score already and they never contacted me before reporting and now they want time to fix it. This company has had many reports on deceptive collection practices and its Time that they face actual action for trying to ruin peoples lives as it was I was denied credit through XXXX card for being in collections which I could not understand now I know exactly who did this to my Credit!!
11/15/2017 No
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VT
  • 054XX
Web Servicemember
I am having issues with the company Gragil Associates, I never received the initial paperwork claiming I had a debt go to collections with them. I have been paying to them for 4 years now. XXXX a month. The company is refusing to give me the ammounts in writing. The company is claiming I owe more money now. I have been keeping track of how much I have paid and how much I owe. They said they do not need to give me any records because they are " not a billing service. '' I just want to see how much I have paid and the original bills and they are refusing to do that. I should be able to see what I have paid off and how much I have left on the account. The company said I could go back and look at my bank account and track down how much I have paid. This is the 2nd or 3rd time they have not added payments in their system. I feel like I have paid more than I should have already.
05/22/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MA
  • 02138
Web
XXXX XXXX XXXX repeatedly sent statements indicating a bill was unpaid. In fact, I had used my XXXX Visa card to pay and received an email receipt. I took several actions to relay to them the payment had been made. These actions included a phone call, where I was assured the problem was resolved. Upon receipt of another statement I sent them fax copies on XXXX dates of the payment receipt. Despite these actions they sent the issue to a debt collector. I have received XXXX letter from the debt collector and have responded in writing disputing the debt.
04/19/2021 No
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • VT
  • 056XX
Web
I sent a certified letter to Gragil Associates on XX/XX/2021. In this letter I asked for verification of the debt as well as informing them I do not give permission to for them to call me and to only correspond with me through mail. On XX/XX/2021 I received a phone call from XXXX XXXX telling me theyre attempting to collect a debt despite the fact I told them not to call me.
03/28/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 014XX
Web
Hello- On XX/XX/2018 a collection item was added to my credit report this is what it looks like : Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MA XXXX thats it, no phone number and no company name. How am I supposed to clear this up if I do not know who it is from? Please advise the best action to take. Thank you- XXXX
03/21/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MT
  • XXXXX
Web
Graigel Associates sent me a collection notice and it is listed on my credit report so I sent them a letter indicating proof of the debt, they called back and left a message on my voice mail however the number they said to call back is disconnected, and all numbers associated with them are
05/26/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MA
  • 02122
Web
I was contacted by Gragil Associates about a medical debt, and I sent a request for validation in accordance with XXXX. Validation of debts [ 15 USC 1692g ]. and they received that letter on XXXX/XXXX/15. I received another collection letter without any reply to my dispute.
03/07/2022 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MN
  • 553XX
Web
Received call saying I owe on an old pay day loan. Said if didn't pay they would file lawsuit Took pay day loan over 11 years ago. I recall repaying loan Said if didn't pay they would file lawsuit and garnishment Told them to file and hung up
05/27/2020 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02324
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
06/09/2020 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02301
Web
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
05/10/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02301
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
10/26/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • VT
  • 053XX
Web
this has been paid and settled and the original debtor agreed to have it removed but the collection agency wo n't remove it gragil is supposed to remove it but have n't yet
08/05/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 01519
Web
08/01/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MA
  • 021XX
Web
06/04/2022 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02421
Web Older American
08/16/2021 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • ME
  • 04236
Phone
08/11/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • MA
  • 02124
Web
06/09/2020 No
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02493
Web
01/24/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NH
  • 03811
Web
02/20/2019 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MA
  • 01850
Web
11/30/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02139
Web
03/08/2018 No
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NH
  • 03874
Web
08/10/2017 No
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 01475
Postal mail
02/24/2017 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11373
Referral
01/11/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NH
  • 03276
Web
05/30/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NH
  • 03103
Web
03/15/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MA
  • 02126
Web
10/26/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NH
  • 03264
Web
10/08/2015 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MA
  • 02138
Web Older American
09/11/2015 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VT
  • 05488
Web
09/11/2015 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VT
  • 05488
Web
09/11/2015 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VT
  • 05488
Web
09/11/2015 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VT
  • 05488
Web
08/23/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NH
  • 03102
Web Older American
07/10/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MA
  • 02151
Web
03/12/2015 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NH
  • 03431
Web
01/30/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MA
  • 02021
Web
11/19/2014 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MA
  • 02143
Web
11/09/2014 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MA
  • 02145
Web
09/30/2014 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NH
  • 03301
Web
09/25/2014 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33904
Web
09/05/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MA
  • 01463
Web
06/26/2014 No
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • VT
  • 05048
Web
06/20/2014 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MA
  • 01824
Web