J&L Collection Services CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
04/20/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95070
Web Servicemember
In XX/XX/XXXX, I received a notification from XXXX that J & L Teamworks ( collection company ) put a collection item in my XXXX account. As a result, my credit score plunged by 64 points, and ruined my credit just as I was going to have a background check for employment. J & L Teamworks contacted me about a year ago, but I remember being scared because the first thing the person said was, without even initially identifying herself or initially stating the purpose of the call : 'I know your social security number! No use trying to ... ' I hanged up right away, thinking it was some sort of identity theft prank call because the person claimed to know my social security number. The collection item that J & L Teamworks is trying to collect, {$530.00}, was a medical bill for an emergency service I received from XXXX Hospital in XX/XX/XXXX. At that time, I had 2 medical insurances - XXXX and XXXX XXXX. XXXX was my own insurance from my employment, and XXXX XXXX was my husband 's insurance in which I was also included. I found out 4 days ago, on XX/XX/XXXX, that the hospital incorrectly billed my secondary medical insurance, instead of my primary insurance. However, my secondary insurance paid the bill for {$530.00}. Months later, my secondary insurance ( XXXX XXXX ) retracted the payment and told the hospital that they should bill my primary insurance. But the hospital never told me this and they never sent the bill to my primary insurance : instead, they sent the bill to J & L Teamworks for collection as a past due item. The hospital never informed me about the retraction from my secondary insurance. Four days ago, I tried to resolve this and I contacted my primary insurance and they confirmed that they will pay the bill, as I have been paying my insurance premiums on time, and it is their responsibility to cover pay the medical bills presented to them per my insurance policy.This was an error on the part of the hospital. They should have billed my primary insurance, instead of my secondary, and they should not have sent the bill to J & L Teamworks for collection. They should have collected from XXXX instead. Now, J & L Teamworks is collecting the entire bill from my primary insurance, XXXX. I spoke with XXXX and they confirmed that they will pay the entire bill for {$530.00}. I asked J & L Teamworks to retract the collection item from my credit report, because the responsible party is XXXX - XXXX is responsible for paying the medical bill because I was insured and I have paid all my medical premiums on time through my employer and through my own monthly premiums deducted from my paycheck. As of today, XX/XX/XXXX, J & L Teamworks has NOT removed the collection item from my credit report, and they have damaged my credit which was excellent before they incorrectly reported a collection item on my account. In summary, J & L Teamworks has employed harassing telephone tactics, and they incorrectly reported an collection item on my credit report that is rightfully the obligation of my insurance carrier - XXXX. Lastly, they have damaged my excellent credit score and they should remove the report immediately.
07/15/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 96150
Web
On XX/XX/XXXX at XXXX I contacted J & L Teamworks regarding my credit report. I spoke with XXXX. I told her I had XXXX accounts on my credit report from them with a XXXX balance appearing on XXXX but balances owed on XXXX and XXXX. She said she would give it to her supervisor for resolution yet here we are XX/XX/XXXX with no resolution. On this call she also said I had an open balance with them for {$130.00} from our local hospital XXXX XXXX. I immediately looked at my bank account and I had paid XXXX and possessed the cancelled check. In addition, I phoned XXXX 's accounts receivable department and they confirmed there was not outstanding balance. Again, she said she would tell the supervisor and get back to me. I have now received another collection letter from J & L Teamworks for the same {$130.00}. I just phone dJ & L and spoke with a XXXX. He said the {$130.00} is still due. I explained the above information and said he would look into it, that no one by the name of XXXX has ever worked there, then he proceeded to advise me there was over {$3000.00} of additional invoices due dating back to XX/XX/XXXX all under my wife 's name. I told him that was incorrect also. I asked him to email me the invoices and he refused. I have dealt with J & L Teamworks over the years as our local hospital XXXX sends all of their collections to them right at the 30 days due mark. J & L Teamworks using harassing tactics and bullies their debtors as well as never following through on what they say they will do, as exemplified above. They are very fast to report inaccurate information on a debtors credit bureau as a leverage tactic, but never seem to get around to fixing the incorrect reporting. This company needs to be fined and put out of business. Finally, they broke the HIPA laws by reviewing these " so called '' outstanding bills with me, when the account is under my wife, XXXX XXXX 's name. I respectfully request that the CFPB contact them, get these items removed from my credit bureau as I was promised and provide a full and detailed list of these supposed past due bills amounting to {$3000.00} from XXXX. Thank you
08/04/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 94591
Web
The agency ( J & L Teamworks in XXXX, CA ) I feel is practicing unfair practices in regards to collecting payment. They allow me to send in a check to pay amount due for free, but they charge me a " processing fee '' in the amount of {$12.00} dollars if I wanted to use my debit card, or {$3.00} to use a check over the phone, each time I pay. I just recently got married and so I have a new account meaning if I wanted to not be charged then I would have to order a whole new box of checks specifically for J & L. I do not usually use checks so I should not have to order them for the XXXX agency. J & L mentioned that I could write in my card information on the monthly statement, however they will not provide space to write it in. I am only able to pay {$25.00} a month, so the " processing fee '' is about half of what I pay each month. Your website mentioned that they are not allowed to charge interest ( which they are at 10 % annually ), nor are they allowed to charge any other fees unless specified in via a contract. I called to request a copy of a contract in writing, the agency however refused to supply one. I thought this was very odd, as well as unfair. If they continue to charge the {$12.00} dollar fee than I will be paying almost double of what I owe. This is ridiculous as my debit card is the most convienent way for my to pay. If I were using a credit card, then I would understand the fee, as credit card companies often charge surplus fees to the companes, but debit cards however are free, so they are making much more profit at my expense. I owe roughly XXXX dollars on the account, if I pay XXXX dollars a month, it should take 28 months to pay off. I If I were to let let them charge my {$12.00} per payment that would cost me an extra XXXX dollars putting my balance a little over a thousand dollars. That in turn would take me 45 months to pay off. That is an extra 14 months, that is an extra year, soley because of the ridiculous fees.
07/31/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95367
Web
I reached out to XXXX agency debt consolidator to resolve my debt with J & L Teamworks who is a debt collector. When i sighed we agreed I would only pay {$2100.00} and pay {$150.00} a month to settle my debt and fix my credit. XXXX agency only had business with me for a short while, then transfer me over to another Consolidation company closer to me in California. I ask if my agreement of {$2100.00} would still be in place and my payments of {$150.00} per month would still apply and they said yes. After about XXXX years my balance went down to {$680.00} and I requested a payout. XXXX XXXX said it should not be a problem and reached out J & L Teamworks to settle. I waited awhile on the phone and when they returned they said that J & L Teamworks wanted {$7700.00} to settle and wanted to add XXXX other accounts to my balance. I said no. XXXX XXXX wanted me to sign a new contract to add the new balance and the XXXX other accounts, i said no. They said would I like to terminate my services till I have the funds to pay off the settlement and i said no I want to pay off the original agreement and they refuse to and hung up. When i got a statement the next month they add {$7700.00} to the balance and added the XXXX other accounts. I felt my first amendment right were violated. XXXX then sent me an email stating that i have been paying on the account I never agreed to and sending me false statements every month.
10/26/2015 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Used obscene/profane/abusive language
  • CA
  • 95630
Web
Threatened to place a derogatory credit remark on my credit history in retaliation for my questioning the accounting & billing tactics employed by their client. J & L Teamworks of XXXX, CA has been sent many notices advising them that to pursue these disputed debts while they are disputed is a violation of federal law yet they continue to threaten to do so. On the phone I have been told that J & L Teamworks enjoys the fact that XXXX XXXX can not accurately bill. They then get to " clean up deadbeats like.. '' me. And they are paid more for collecting more debts unnecessarily complicated by XXXX XXXX of XXXX XXXX XXXX, CA not sending complete paperwork to patient to substantiate their billing. As a result, perceived over-charges now exist as XXXX was successful to work with J & L Teamworks to prevent the errors from being detected. I questioned this practice which led to the threat of derogatory credit comment & I was even banned from using our community 's only emergency room. Can you please stop companies from working together like this? It confuses me to the point that I can not understand for what they are collecting. And I have an XXXX in XXXX.
09/15/2017 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 94087
Web
On XXXX XXXX, 2017, caller " XXXX '' from J & L Teamworks of XXXX California ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) called my father and informed them that I had a medical debt. I believe this violated section 808 ( b ). In addition, they did not notify me first of any debts associated with my account. They did not call me first. I believe the remlevent provision is : ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
11/02/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 95492
Web
I received a letter from J & L TeamworksXXXX CA dated XXXX XXXX, 2016 indicating I owed {$20.00} to XXXX XXXX. I responded, in writing on XXXX XXXX, indicating there was no balance due, and if they had documentation indicating otherwise, please provide to me. They responded on XXXX XXXX with an attached document that did not come from XXXX XXXX, did not have XXXX letterhead, or anything indicating it came from XXXX. I responded, in writing on XXXX XXXX, again asking for legitimate proof of this debt. Additionally, I have the bank records showing the co-payment of {$40.00} was made on the day in question. XXXX XXXX, 2016 I received a new letter from J & L, which was a copy of the first letter, indicating to me that they were starting over from the beginning of the process, ignoring my writing rebuttals. I am led to believe this is some sort of scam, perhaps.
06/22/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94560
Web
For the past 6 months I have tried to communicate with XXXX in regard to the unknown errors they have placed on my credit. I am trying to obtain financing and i have put it off for months in hopes they would correct the errors/discrepancies but they have not .... I cant even get a response. I have even wrote the collection agency and they have ignored me as well. The same unknown collection account appears on my credit twice by the same company. To date the discrepancies remain. I have spoke with an attorney and plan to file a Federal Law Suit by XXXX XXXX if the following 3 accounts are not deleted by XXXX XXXX. I have already waited 6 months!! J & L TEAMWORKS Account Number XXXX J & L TEAMWORKS Account Number XXXX XXXX XXXX XXXX Account Number XXXX
11/06/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OR
  • 97355
Web
XXXX/XXXX/XXXX I had an XXXX with XXXX XXXX XXXX. I had met my deductible and I had preaproval. XXXX did n't bill my insurance properly. I contacted my insurance they advised me how to call XXXX and ask them to rebill. I did repeatedly. They refused at first. My doctors office called and asked XXXX to rebill. XXXX sent me to collections. Finally XXXX wrote off the amount from my account but they did not take it out of collections like they told my insurance, myself and the doctors office they did. I have asked the collection company to audit the account. I just did again. They are collecting interest and are still asking me to pay a bill that XXXX no longer is requiring me too pay.
04/28/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94560
Web
J & L Teamworks p laced XXXX unknown accounts on my credit. I do n't know what the accounts are for- it does not state on my credit. All i know is that the accounts are not mine and i do not know whom they belong to. I have lived at my current residence for the past 10 years and i have not received a collection or demand noti ce from J & L Teamworks, I dis covered the accounts while viewing my credit report. I sent them XXXX certified letters which they have received but the accounts still remain on my credit and no representative from their company has reached out to me even though they my certified letters.
11/18/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 940XX
Web
Collections agency continues to place harassing calls to myself & wife, and send additional threatening correspondence in order to collect on medical bills already paid to the provider of health care services. Attached : Bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX 2015Attached : Check payment, XXXX XXXX 2015 and cashed cash ( reverse ) with bank details of presentment XXXX XXXX 2015Attached : correspondence from J & L Teamworks dated XXXX XXXX 2015Phone calls continue to this day..
10/21/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 94043
Web
i got a call from a collection company regarding a unpaid bill from XXXX XXXX XXXX back from 2014. I did n't receive any bill or notification from any source before this call from collection. And i check my insurance activity for the past 2 years, all the claims from XXXX XXXX has XXXX balance ( I can provide the claim history, and XXXX XXXX does know my insurance info as they filed to my insurance many times ).
08/02/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 95207
Web
I have sent J & S collections 3 certified letters in regards to the fraudulent account they have placed on my credit and i have not got a response but they have responded to the credit bureaus alleging the account belong to me. I was not notified by them about the debt so i was never afforded the opportunity to dispute it. I DO N'T KNOW WHO THE ORIGINAL CREDITOR IS.
09/07/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 95209
Web
This company placed a collection account on my credit that does not belong to me. I was in the middle of financing when the debt appeared on my credit. I have sent them certified letters and i have been ignored. The account name and number is J & S Collection Account Number XXXX
06/06/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 95531
Web
Debt was sent to collections, rather than bill the insurance. Grievance was filed with insurance, and updated amount was paid. Debt collector has old outdated info, from before the insurance was contacted. Still trying to collect.
07/03/2018 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 95403
Web
Multiple calls daily to my number. Also called a third party and told them they were a debt collector
05/03/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94544
Web
04/02/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 94590
Web
03/28/2018 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
Phone
08/23/2017 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95380
Web
07/25/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 95316
Postal mail
06/29/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • 89103
Postal mail
06/13/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 94134
Web
06/02/2017 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 79714
Web
03/21/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 95608
Referral
09/18/2015 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • CA
  • 95492
Web
08/07/2015 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 95117
Web Older American
06/12/2015 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 95602
Web
02/27/2015 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 95602
Phone