North American Credit Services CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 288XX	Web
On XX/XX/XXXX of 2022, I purchased medical devices from a manufacturer/merchant. The amounts were {$1300.00} and {$1000.00} for a total of {$2300.00} that was paid in full using a credit card. The items were not as expected ( off-gassing caused severe adverse reactions in me and my household ) and not as described with usage contraindications that were not disclosed to me prior to purchase even though I had specifically asked if there were medical usage contraindications associated with these devices. I found out only after the items had arrived by looking at the product manual that there were in fact usage contraindications. It would have been medically dangerous for me to use them. I asked the manufacturer/merchant if I could return them. They refused and said if I attempted to send back the products, they would evaluate them and if non-defective ( which they would be since they are brand new/unused ), they would send them right back. This was XX/XX/XXXX. On XX/XX/XXXX, the merchant accused me of stealing the products and demanded that I pay the invoices ( even though I already did ) or send proof of shipment to them by XX/XX/XXXX or they would contact a collection agency and/or file a lawsuit for damages and defamation ( baseless ). The products were entrusted with a reliable shipping carrier on XX/XX/XXXX but the merchant contacted the collection agency anyway. My only recourse in XXXX was to petition my credit card company for a dispute. The transactions are still in dispute and I have not been refunded my money in full for a permanent credit by the credit card company. I was told that this arduous process will continue conceivably for at least 3 months if not 6 months. The invoices had been paid originally. Invoice documentation showing they were paid is provided. The unused items have been returned and received already by the merchant ( proof of shipment, my out-of-pocket costs to ship out with damage and loss insurance ) plus proof of receipt by the merchant are provided. Because the items were brand new, the products can be sold. There is no debt. The debt was paid. I have not been refunded my money despite the fact that the merchant has received the brand new, unused merchandise that I had sent back with full insurance on the devices. The transactions are in dispute with the credit card company with no resolution at this time. The brand new merchandise had already been sent back with close to {$90.00} in shipping fees and insurance ( full coverage ) and received by the merchant as of XX/XX/2022. If anything, the merchant should just allow my money to be refunded. I am out {$2300.00} and no longer have the merchandise. The company has it now so there is no debt. They can sell the products because they were brand new. It would be a travesty to deny me a resolution to this situation where I had paid for the items and where I had returned the items in their pristine condition but now have the transactions in dispute with the credit card company. I have paid for the items but despite returning them, have not been refunded for what I paid. There is no debt. Persisting in harassment or collection efforts will not be tolerated.
05/15/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	FL 335XX	Web
My actual issue was not listed above, however what happened was that I was sending small payments to XXXX XXXX. That was n't good enough for them so they turned my account over to North American Credit Services. When I finally sent written communication to NACS attempting to have them contact the hospital on my behalf to find out if the hospital was willing to do a " professional courtesy '' or negotiate a payment, NACS completely ignored my request/attempt at communication to resolve the debt through them. I received no answer to my letter whatsoever after requesting the above. The next thing I know. I find that NACS has now turned my account over to an ATTORNEY, XXXX XXXX XXXX XXXX Offices in XXXX, XXXX, acting as a debt collector on their ( NACS ' ) behalf. NACS DID NOT INFORM ME that they would be turning my account over to an attorney for collection even though I tried to get them to answer my letter regarding negotiating payment. Now I 'm expected to pay this attorney {$880.00} on TOP of my existing debt when it would have otherwise been avoided should NACS had treated me FAIRLY and not abused me in this way by denying to respond to my communication. The attorney 's letter states, " Contractual attorney fees, as provided for in your agreement with our client, have been added to the amount owed on this account. '' Well, in NO way, shape or form was I made aware of any agreement that stated such and it is not provided on the copy of the original statement of debt from NACS. I was treated unfairly and feel I am a victim of their oppression where otherwise their cooperation with my attempts at communication would have prevented these additional costs to me, which I feel I legally should not have to pay because I was NOT told about them and have not been previously provided a copy of such " agreement. " Here is a copy of that statute regarding unfair treatment and oppression. " XXXX. Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ... '' When NACS refused to assist me by not answering my written communication attempting to resolve my debt, THAT IS oppression and unfair to me. On the back of North American Credit Services ' statement, they have printed their policy, if you will, as follows : " Our staff is trained to provide a high level of professional assistance to consumers and we expect each person to be treated with dignity and respect. '' Unfortunately, that is not the way I was treated at all. Please do something about this. I am so stressed out that I ca n't think of anything else but the extra money these people have cost me!
10/13/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32812	Web
XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX North American Credit Services, XXXX XXXX XXXX XXXX, XXXX, Tennessee XXXX XXXX : Acct # XXXX, XXXX, XXXX To Whom It May Concern : This is my Final attempt to try to remedy this situation. regarding your response, I will file a small claims court in my local state against your company. This letter is in response to your recent claim regarding Acct # XXXX which you claim I OWE YOU {$380.00}, {$100.00}, {$37.00}, {$640.00}. By not replying in a timely manner to my initial letter and you failed to provide me a copy WITHIN 5 DAYS. A debt collector is required to send me a written notice within five days after you are first contacted, telling you the amount of money you owe. The notice must also specify the name of the creditor to whom you owe the money and what action you should take if you believe you do not owe the money. you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau, Cc : Attorney General 's Office Cc : Better Business Bureau
08/07/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 17202	Web
The North American Credit Services ( NACS ) started contacting me in XXXX 2017. They left a voicemail message, in which they butchered the pronunciation of my name to the point where I thought it was a wrong number. I did not receive any letter communications from them at the time. I called them back in XXXX 2017 - and they had informed me that I had a bill from the Hospital and that they had sent me letters as well. I informed them that I never received any written communication from either the hospital or NACS. They identified that NACS and the hospital both had the wrong address on file. NACS agreed to not contact the Credit Bureaus. I, then, contacted the hospital and informed them that I never received a bill from them ; the hospital identified that they had not sent out any bills to me, prior to involving NACS. The hospital apologized for their mistake and stated that they will email NACS to clarify the mistake. XXXX/XXXX/17 - NACS sent out a letter in an attempt to collect this paid bill from the hospital. XXXX/XXXX/17 - I called them to clarify everything. One person informed me that they had already contacted the credit bureau. Another informed me that they had not contacted the credit bureau. Then another person informed me that they did indeed contact the credit bureau but deleted it because of the wrong address issue. I asked for a copy of the retraction letter and they informed me they could send it ; however, they could not admit that this should never have been reported to the credit bureau to begin with, given it was NACS and the hospital 's fault - I had never received the original bill. They refuse to write a retraction letter explaining that I was not at fault for the delinquent bill since I had never received a bill. I informed them that I did not want a retraction letter without a statement saying the credit bureau was incorrectly contacted due to NACS and the hospital using the wrong address to contact me. However, they refused to write a letter. I called their complaint division several times, but the extension does not work.
06/16/2017	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you instead of your attorney	FL 34786	Web
I could n't afford the {$200.00} copay when I initially visited the FL hospital some time ago and was told I could worry about it at a later time. On Friday XXXX XXXX around XXXX XXXX ( mont hs later after my hospital visit ) my sister sends me a series of panicked text messages asking me if I am ok be she had received a serious sounding call from an official type place that sounded government related and was all confused. I had no idea what she was talking about but she provided me with the phone number of XXXX ext XXXX and said they had asked for me. I called it and that 's when I realized it was FL Hospital collections looking for the stupid {$200.00}. I was totally embarassed. Everyone goes through a rough patch, but this company did n't have the right to put mine out on blast to my sister, while she was at work. I made up some bogus lie to my sister so she would n't know. I then called the number and extension provided and told them that they had no right legally to call my emergency contact from my medical file who is NOT financially responsible for me to attempt to collect the pathetic {$200.00} copay, especially my sister who was at work. I was absolutely 1000 % embarrassed and mortified. I then provided the woman my lawyer information as I am filing a chapter XXXX bankruptcy and requested not to be contacted any further. The woman who took my information said I would not be contacted any further. Since that day, XXXX XXXX , I have still been call ed 3 more times regarding this debt by a different number : XXXX XXXX 2017 at XXXX XXXX XXXX XXXX XXXX 2017 at XXXX XXXX XXXX and today XXXX XXXX , 2017 at XXXX XXXX
05/11/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 395XX	Web
After submitting an complaint with North American Credit Service-Mail on XXXX / XXXX / 17 regarding collections being placed on my credit with no proof of VALIDATION they responded in XXXX / XXXX / 17 with a letter agreeing to removed the for XXXX but not the one for XXXX . I contacted them via phone regarding this issue twice. They told me that because XXXX XXXX is my daughter and her paternal grandmother took her to the doctor in another state that they would not removed from my credit and they would send me the agreement her grandmother signed. Well when I had not received the paperwork I called the company back they tried to make me give them all of my personal information I then advised them they needed to read the information that they have in their systems and I will let them know if its correct or not. THEY HAD ABSOLUTELY NOTHING correct Address phone etc. I then told them that since they did not have the correct information they could not Verify nor Validate the debt before they submitted it to the credit bureau. The gentleman then gets upset and tells me let HIM TALK AND DO NOT TALK OVER HIM because I refused to provide him with anything other than my name because his company should already have it if they Validated these collections. I then asked to be transferred to someone that will have this removed d ue to 1 ) Her father XXXX XXXX XXXX and his mother XXXX XXXX signed those for ms 2 ) I do not have a contract with them nor the hospital 3 ) T hey were NEVER able to validate and verify the debt. and that it is against the law for them to place that collection on my credit. The guy told me to hold and hung up the phone.
10/14/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32117	Web
I contacted North American Credit Services on XX/XX/XXXX to pay a debt that was showing on my credit report in the amount of {$240.00}. I paid it in full to have deleted off of my credit report. They then asked if I was going to take care of a {$1000.00} debt from hospitals / doctors back in XX/XX/XXXX. This was NOT on my credit report at the time. This is XX/XX/XXXX. I asked them to hold off until I do some research on the bills because I don't recall them from over 3 years ago. Then a few days later my credit score was hit and dropped XXXX points because they put it on my credit reports. They did NOT allow me to verify the debts that I thought were paid in full. They reported it on my report when I asked them to give me time to research. Now my scores went down XXXX points and its hard for me to come up with the debt. I am still unable to verify. I asked that they send me all documentations that the debt was mine so I could compare to any bills that I also had. I keep all my documents. She got smart with me and said that would take some time. I told her to send them. I still haven't received them and in the mean time its still showing on my credit reports and still badly affecting my scores. Can you please assist me with having them take this debt off of my 3 major reports until I get all documentation from them and do my research to make sure my insurance company or they did not drop the ball. It is totally unfair especially since it was ME reaching out to them to pay off a debt I noticed on my credit report when I started to used XXXX XXXX.. I paid that one off because I had the bill to verify and thought I was doing the right thing.
06/30/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 287XX	Web
Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX asking for further verification as some items we still not answered - no response. I then sent the attached letter in XX/XX/XXXX directly to this creditor asking what this item is - and their response to my request to VERIFY was that they have already sent me something to verify this and that they would not send me anything further. I have NO IDEA what this is based on the dollar amount or the name XXXX XXXX XXXX. I do n't recall receiving a statement or a bill from XXXX XXXX XXXX. Despite what this creditor is saying in their letter - I do n't know what this is and do not beleive that i have received anything in the mail from them AT ALL validating what this debt it. I have attempted to request this information THREE times now, and I have had enough. Wthin 30 days of reveiwing my report I have spent the last almost SIX MONTHS attempting to get verfication. This letter is the FIRST communication to my knowledge. this item has to validated. this is incredibly suspicoius. This is a waste of my time, energy and money.
07/15/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33647	Web
I attempted to have the medical providers bill my XXXX XXXX for services render from date of service from XXXX, XXXX, and XXXX of XXXX and the provider failed to bill them instead they placed accounts to collection to try to collect from me. I have contacted the Honorable XXXX XXXX for his assistance this matter and Congressman XXXX XXXX sent letter to Florida Hospital XXXX XXXX to cease and desist the collection on account with date of service from XXXX thru XXXX and bill all accounts to XXXX XXXX. My deductible and coinsuranceis zero so account will be paid at 100 %. This specific collection agency has serval account for those date of service. Account number for collection account are as follows : XXXX - {$120.00}, XXXX - {$88.00}, XXXX - {$88.00}, XXXX - {$130.00} XXXX - {$88.00}, XXXX - {$330.00}, XXXX - {$300.00}, XXXX - {$120.00} XXXX - {$9100.00}, XXXX - {$3800.00}, XXXX - {$240.00} These account were placed in all XXXX credit bureau thus damaging my credit score I have tried serveral time to contact collection agency and provider to no avail. I have also asked the providers to call XXXX XXXX at XXXX my member number is XXXX and verify my coverage with XXXX and they have refused. XXXX XXXX has advised me if claim is billed within 60 days fromXX/XX/XXXX all claims will be paid once I appeal being now claims are past the filling deadline.
12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20852	Web
Recently I accessed my free credit report from XXXX. In the inquiries section, there was an account review inquiry I did not recognize from a company called " XXXX, XXXX '', dated XX/XX/XXXX of this year, with the request originator listed as " XXXX XXXX XXXX '', which is I hospital I have previously accessed and paid my debt in full on XX/XX/XXXX without the account ever being sent to collections, however upon calling them and asking why they accessed my credit report without my permission I was told that not only have they never heard of XXXX but that they do not have the ability to access anybody 's credit information. On XX/XX/XXXX I contacted XXXX directly to ask why they accessed my information without my permission. On XX/XX/XXXX they sent a letter stating the following, which I received shortly after : [ see attached letter for statement ] There is a lie in that statement ; I do not have any existing account with North American Credit Services, which I will proceed to refer to as " NACS '' for brevity. I attempted to call NACS and left a voicemail asking them to explain why they are attempting to access my account but they never called me back. Upon looking into this company, I have come to discover that it is a medical debt collection agency, which further proves that this is fraud as I do not have any collections accounts.
10/04/2018	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	FL XXXXX	Web
Yes here it is again this same company whom I have repeatedly advised to stop calling my number and now it is a different person calling me from North American Credit Services, this woman stated that her name was XXXX. These calls are disrupting my family. I advised them that I do not have any income at this moment to pay anything. Now they call all times throughout the day and I want them to respect my family members and stop calling their phone. Before hand it was 3 gentleman, now it is a woman. Sometimes they call after hours at night and I immediately ask them to stop. If I have no income of which I explain that to them then I can not pay anything.The phone number that XXXX call me from on XX/XX/2018 was XXXX, yesterday the number XXXX XXXX. The dates were Wednesday XX/XX/2018 at XXXX XXXX, then continuously again today and now they are calling me from different numbers. They call me back in XX/XX/2018 at XXXX. Sometimes the calls are coming thru all thru out the evening from this same company and I want it stop immediately. From the telephone number of XXXX, they call my number 5 times. XX/XX/2018 at XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX between hours of XXXX XXXX and XXXX and then a second time XX/XX/2018 at XXXX. I have ask them to stop calling me.
10/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34748	Web	Older American
I have been receiving harassing calls from North American Credit Services for a debt that is not mine nor do I know the person they are calling for which I have explained many times to many different employees of the company. They are wanting to speak to a XXXX XXXX ( XXXX reference number ) and these calls have been ongoing for a period of 2+ yrs now almost monthly or bi-monthly. I have this phone number for about 4 years now and don't know or have any connection to a XXXX XXXX. I have called North American Credit Services back and spoke to a supervisor ( XXXX XXXX @ ext # XXXX ) who apologized and assured me she would remove my number from their system but I continue to receive these calls constantly. I explained several times they have the wrong phone number and after receiving messages from them I have contacted them back and explained there is no XXXX XXXX connected to our phone number!! I need to know how to get this company to stop harassing me for something that is totally unrelated to me. Our number is a landline ( we don't use any cell phones ) and I don't want to change our number and begin remembering a new number. Your help would be greatly appreciated. Thanks, XXXX
05/21/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 76542	Web	Servicemember
This collection agency reported on my credit report while other collection agencies are trying to collect the same medical debt. My employment offered XXXX health insurance and I went to be seen at the ER and used the insurance. I was not aware that I was billed for the services and waited to see if my employment was taking care of it. The contract ended and then I received several notices from ( XXXX ) different collection agencies about this. I received a letter stating that I had ( XXXX ) days to dispute the account. I sent ( XXXX ) letters off, certified mail, to a XXXX Solutions and a law office by the name of XXXX XXXX XXXX. I do have the tracking numbers for both letters and they were picked up before the ( XXXX ) day mark. XXXX XXXX XXXX returned my letter, stating that I had to sign the letter and would n't validate the information as I typed the letter. There is no law that states that the time halts when a collection agency refuses to send the info. I check my credit report and XXXX is reporting this account now. It is a fresh report as this was not on my credit a few days ago.
05/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30281	Web
There is a charge of {$69.00} placed on my credit report by a collection agency from XXXX from XXXX XXXX XXXX. At that time I worked for the hospital and was covered through the hospitals insurance XXXX. I had a copay which I paid each apt prior to receiving any services. I have contacted this collection agency because this is truly an error and it is affecting my credit at a critical time. The credit agency refuses to remove the from my credit file I contacted both XXXX of XXXX which has been taken over by XXXX XXXX and was told I have no balance nor were any debts sent to a collection agency. XXXX XXXX directed me to their physicians billing at XXXX that also told me I owe no money and there was no collection activity against me. Something similar happened a few months ago were XXXX XXXX sent a bill to my old address for payment of over {$700.00} which was not due. At that time I contacted XXXX XXXX who looked into the matter and it was corrected. Please help me resolve this I am attempting to apply for student loans for my daughter and this is hindering the process.
01/09/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34691	Web	Older American
A bill for {$40.00} from XXXX XXXX XXXX XXXX for a clinic visit to refill medications, Service date XX/XX/XXXX ( along with a second XXXX XX/XX/XXXX that has been billed, but not been included in the dispute for some reason by the medical group for another clinic visit for the same amount, same reason and a third one, also not included, for {$480.00} where I was double billed for an office visit ) has been in dispute from the time I received it and the medical billing office has known that. They sent this first {$40.00} charge to collections even though I now have a XXXX XXXX XXXX about it on the XXXX of this month. The collections company is unreachable by phone due to a phone system that is so bad you can't reach anyone. I made several attempts last Friday XX/XX/XXXX when I received the letter. Phone number XXXX XXXX XXXX North American Credit Services XXXX XXXX ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I have constructed a letter that I will be sending tomorrow via a tracking number stating that the bill is in dispute. They need to be reachable by phone.
11/22/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32803	Web
A dispute letter was sent to North American Credit Service Inc in regard to a notice I received calming that I owed a debt. In the letter dated XX/XX/XXXX, I requested the following information : ( 1 ) Validation of debt, original agreement to this debt, detail billing statement, proof that this company has been given authority to collect this debt, and what actions this company takes to protect my personal information in accordance with XXXX. Amount of alleged debt {$1000.00}. As of XX/XX/XXXX NACS has not provided this information which exceeds the 30-day period in accordance with the FDCPA. I have not given said client XXXX XXXX to share any protected personal information with NACS or any other company nor have I received any of the services it claims. I demand that you cease all collections until this information has been provided.
04/03/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32119	Web
i recieved my XXXX report by mail dated XX/XX/XXXX and it was not updated to dispute status after i sent a letter that north american received on XX/XX/XXXX. I look at my updated report on XXXX from XXXX and its showing a back date of XX/XX/XXXX but my hard copy i recieved directly from XXXX says they did not update since XX/XX/XXXX. Im not sure how they fraudulently updated my report to show status of XX/XX/XXXX when a week XX/XX/XXXX on my XXXX hard copy says XX/XX/XXXX. i will be contacting a attorney because i have my prior complaints and my current credit report and also my report from XX/XX/XXXX. What north american is doing is against the fcra. I will attach a copy of my XXXX report hard copy dated XX/XX/XXXX. They did not update to disputed in the 30 days as required by law and are doing fraudulent things with my XXXX report.
06/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KS 66062	Web
I received a bill on XX/XX/2018 for {$120.00}. The bill was placed for collection from XXXX XXXX XXXX XXXX. I currently have an open grievance with my insurance provider, XXXX XXXX XXXX XXXX, regarding the quality of care that I received on this visit. I am in the process of filing a complaint with the state board of healing in Kansas as well. I discussed the problem with an administrator months ago. Her name was XXXX XXXX, and her e-mail is XXXX. I have saved the e-mail correspondence and can provide it for your records. I am disputing this charge. Do not contact me at my residence or my cellular phone to attempt to collect this debt. I am also filing a complaint with the Kansas attorney general and the CFPB. I will happily supply the e-mail correspondence for your records that details what they did wrong.
08/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32703	Web	Servicemember
In XXXX the first letter received from North American Credit Services stated the an amount of {$2400.00} was owed, I replied asking for validation of debt showing that I am the responsible party, and yet I've not received a response back. However they sent out another letter in XXXX stating the same thing, instead any type of response that I've requested. Both have account # XXXX Now as of XXXX there's another letter stating an amount of {$2200.00} is owed with account # XXXX. For each of the letters received I timely responded back via notarized/certified letter for each reply. Again from XXXX, XXXX, and now XXXX THERE'S been NO response back! I've never entered any type of contractual agreement, arrangement, or acknowledgement with or through North American Credit Services.
09/06/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32137	Web
request for VALIDATION was made : XX/XX/XXXXrespectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Never received anything from them
12/06/2016	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	OH 45236	Web
I have attached the letter I received from the company. It is a third party trying to collect on a medical bill I owe, I intend to take care of the bill but the letter I received has made me feel threatened to do so. Considering the balance i owe I do not feel these collection techniques should be used, threatening to garnish someone when they have not filed suit on even such a low balance seems unfair to consumers. All Americans are dealing with debt and medical bills should be something that is regulated differently. The fear of a lawsuit when trying to pay all other kinds of debt is terrifying.
04/07/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	FL 342XX	Web
I paid North American Credit Servies XXXX XXXX, TN XXXX XXXX or XXXX, {$55.00} towards account # XXXX. They sold the debt to another creditor and now tell me they have no record of the 2 transactions. My original account # XXXX and secondary account # XXXX. My payment confirmations # 's XXXX {$50.00} and # XXXX paid XX/XX/XXXX for {$5.00}. When I called to ask about the missing {$55.00} they told me to call the original hospital ( florida hospital ) for a list of payments. When I called the hospital they said they have no record. My debt was {$230.00}, I paid {$55.00} leaving {$170.00}.
10/06/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30078	Web
On XXXX/XXXX/XXXX I sent a letter Certified mail # ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX North American Credit Services for validation of debt and HIPPA authorization. I requested that North American Credit Services provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. North American Credit Services have not complied with this request.
11/15/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 321XX	Web
Starting on XX/XX/17 and everyday since, I have been receiving calls from this number and the caller ID says it is XXXX XXXX. Normally I just hang up the phone and file a complaint as I am on the Do Not Call registry. Today I answered it and it says we have some important information for XXXX XXXX is this you press 1, so I did and now I find it was North American Credit Service calling about a debt collection and not a Telemarketing phone call I thought it was. To me this is very misleading way to get people to answer phone calls
06/17/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	AK 999XX	Web
Had previously reported personal identity theft to FTC. Personal information was used to purport a false medical claim against my credit resulting in a lower credit score. I did a search for the collection company, North American XXXX XXXX, which only resulted in a private XXXX page. Then did a search with the given #, XXXX XXXX XXXX XXXX, resulting in a list of consumer complaints - this same # posing as a telemarketer, a collection company and also a warranty service. Checked the BBB page which stated the company was closed.
07/31/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33647	Web
On complaint # XXXX which was filed with The Consumer Financial Bureau about North American Credit Services the collection agency agreed to remove from all 3 credit file, all account with their agency while they rebilled to XXXX XXXX. The accounts that were placed with XXXX credit were removed. However the same account were also placed on my XXXX credit and were not removed a total of 13 more accounts. Can you please request the removal of the additional 13 account that were placed on my XXXX credit file. Thank you
10/24/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	MI 487XX	Web
My husband was paying on my debts. I went through a horrible divorce, was left with no car. Could not work at the time. Had to move back into my parents house and start over. Did not have the money to pay debts. When I moved the bills were not sent to my new address I had no idea how much I still owed or that the bills were being sent into collections. Would like to negotiate a plan to pay off an amount of these collections to have the deleted off all XXXX credit reports now that I have a steady income.
07/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32725	Web
In XXXX of 2017, I paid back a medical in the amount of XXXX . The creditor North American Credit Services advised me that once the amount was paid, the trade line would be removed from my credit. As of today, XXXX / XXXX /2017, the trade line remains and has not been updated AT ALL. It is continuing to impact my credit when I was advised it would no longer. Instead, this company left the full amount on my credit report and just stopped providing updates, which is an FCRA violation.
01/31/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30294	Web
I think the payments started XX/XX/2018. The amount was around {$800.00}. I was set up on a payment plan to pay medical bills. There was an option for a settlement, but I didn't have the money for it at the time. The second time i inquired about the settlement i was told that because i either inquired or was offered a settlement twice, i would no longer have that option. I think it is unfair that the option is off the table because of something i could not control.
05/29/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32301	Web	Servicemember
Correspondence was sent to NACS on XXXX / XXXX / 2016 inquiring about a {$300.00} medical debt reported to XXXX , XXXX & XXXX . I requested information regarding the medical provider/facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe. As of today, I 'm still waiting on a response. I believe that this debt is not mine and the fact that NACS has never provided any verification of debt, further proves this for me.
04/07/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76522	Web
I have received a multitude of calls for a XXXX XXXX. I have had this number for over XXXX years. There is a large XXXX XXXX here and I looked up her former addresses and she has lived in XXXX XXXX, XXXX and XXXX XXXX, XXXX. They have called XXXX times today and XXXX times since XXXX XXXX. Usually XXXX times a day, XXXX a week. Most collection agencies do n't call so much. I have the number blocked. According to XXXX these people are very rude.
10/09/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33647	Web
I have gone to the hospital and advised them that this is not my bill I have never been to there hospital and definitely have no reason to visit hospital. Now I have this collection agency attempting to collect from me for an emergency room visit I did not do, however I have called my insurance XXXX XXXX to advise them that they paid on a bill that I did not incur my purse was stolen at XXXX Mall approx. XXXX week prior to this visit.
04/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32725	Web
North American Credit Services is attempting to collect an XXXX debt. I have sent several letters to the company that go unanswered and I continue to get collection letters.The practice is quite suspicious because they have not acknowledged any of my requests ; I specifically asked they have the original creditor contact me to validate the debt but as previously stated, they have not answered or acknowledged any of my requests.
01/15/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	FL 33407	Web
XXXX Hospital has repeatedly repeatedly turned my medical bills over to collection. They now have sent this ONE AGENCY XXXX BILLS. They have been told by me a million times that I have XXXX through the state of Florida as a secondary insurance and they are not submitting these bills there. They immediately turn them over to collection, then I am harassed by the collection agencies and my credit continues to be destroyed.
05/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34771	Web
North American XXXX XXXX has been reporting their own estimation regarding XXXX closed accounts. I have contacted them and they agree that those accounts have been settled and closed. The accounts appear closed for a few days then they reappear on the call report. I have a made more tha n 20 phone calls to North America and their answer is it takes time. These debts were settled more than 120 days ago.
05/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44039	Web
I received check my credit, and noticed a medical collection was being reported on my credit report by North American. I never received anything from North American r egarding the collection account, and when I have requested they verify the information is actually mine and accurate they have never responded to my written request which I sent to them directly at XXXX XXXX XXXX , XXXX , TN XXXX .
10/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 327XX	Web
Two amounts appear on my credit score under XXXX only. The amounts are {$500.00} and {$340.00}. They are originally debts from XXXX XXXX XXXX. The filing collections co is North American Credit Services. Both debts were paid off on XXXX XXXX 2017. North American Confirmation numbers are, # XXXX and # XXXX. At this point North American has neglected or refused to take this off my credit score. Thanks
05/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33825	Web	Servicemember
This is a medical debt owed by my father. XXXX XXXX XXXX for a hospital stay due to a XXXX XXXX . I am XXXX XXXX XXXX . This is NOT my debt. I have wrote, emailed, and called numerous times. They keep sending my collection notices to my address. My father 's info is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX ( XXXX ) XXXX if they would like to pursue the collection.
08/29/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32803	Web
I denied the XXXX and XXXX services but was provided anyway without any explanation. I was also told I would not need to pay anything but the business that called the XXXX would take care of it because it was their responsibility to do so. Also, I have got the hospital 's approval for the charge taken care of under their financial assistance program.
03/21/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32119	Web
i have no knowledge of this account im on food stamp and XXXX. i should never of had a bill for medical expenses. im not sure if this is a billing issue but they are posting this XXXX $ debt on XXXX reports and constantly calling my phone. its obnoxious and at minimum id like them to notify me by mail only and remove this from my reports
08/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 288XX	Web	Servicemember
I have spoke with XXXX a supervisor at northamerica credit today, at XXXX XXXX est. she agreed that the information was not associated with my credit report and still refused to have the inquiry removed. Why does a debt collection company do hard inquiries in the first place? The inquiry took place on XXXX XXXX , 2016
08/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 338XX	Web
NACS sent me a collection notice in the amount of {$1000.00}. I have no clue what this bill is for and NACS refused to give me information on the bill. My health insurance was never billed. I have sent NACS a Cease and Desist letter with my health insurance information for proper billing if a legitimate bill actually exist.
11/01/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 34689	Web	Servicemember
An collection company named ( NACS ) North American are pretending to collect the amount of {$91.00}. When an agreement for a monthly payment plan with " XXXX XXXX '' was established since the month of XX/XX/2019, 6 payment of {$15.00} for a period of six months. ( Verified Attached, upload Invoices ).
12/14/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33615	Web
This bill is for lab work as part of a physical that would be covered @ 100 %, however, it wasnt billed correctly. The doctor was to bill this as well visit, I have advised them several times that they need to re-bill this, however, they have refused too and sent to to collections.
08/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 288XX	Web	Servicemember
Spoke with the company responsible for the inquiry on my credit report on XX/XX/2017, was told that they do not remove inquiries, and that it remains. I have also contacted XXXX the credit reporting agency where the inquiry is showing. Neither attempts have been successful.
12/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32714	Web
Have sent multiple emailed and letter by the USPS that these debts are inaccurate. I have contacted the provider XXXX XXXX XXXX XXXX and they also confirmed these are not correct. As I had XXXX XXXX on the line we tired to 3way call XXXX with no luck.
09/20/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30013	Web	Servicemember
I have tried contacting North American Credit Services several times via postal mail regarding this alleged debt that is said I owe. I have yet to receive any response from them. I would like this removed from all of major credit bureaus immediately.
04/01/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 32127	Web
This agency has repeatedly violated my rights under the Florida Consumer Credit Protection Act ( Fla 559.27 ). When they were notified back in XX/XX/XXXX, they sent a file to a XXXX. They are again pursuing collection in violation of fla law.
12/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 76036	Web
WENT TO HOSPITAL FROM SERVICE. XXXX. FILL OUT PAPER WORK AFTER RECEIVING COST FOR XXXX BEFORE ANY SERVICE PEFORMED. I DECLINED SERVICE. ( TEXAS DBET STATUE OF LIMITATION 4YSRS ). DEBT FILED XX/XX/2012 BY XXXX HOSPITAL. ( SOLD TO XXXX )
08/11/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 32792	Web
Placed {$350.00} Medical debt on my credit report unwilling to send me any more correspondence even though I never received any in the first place. Spoke with ladies named XXXX unwilling to except Payment arrangments.
07/13/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30655	Web	Servicemember
They keep repeatedly dinging my credit reports with false info. It is my son 's debt. They change the dates and for 3 years in a row keeps getting put back into my credit reports in XXXX with a new date of service.
07/08/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30253	Web
I keep receiving a bill for XXXX from North Americian Credit which I do not owe. I also found out they are not allowed to do business in the State of Georgia. I have talked to them and to no prevail.
07/21/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78666	Web	Older American
I have received communications from North American Credit Services ( XXXX ) agency and they have damaged my credit report and my credit score trying to collect a debt that is not mine.
09/10/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 20876	Web
Sent me a letter ( attached ) stating they will removed from credit, reports, still on my credit reports.This is not me, request validation this company could not provide
10/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32714	Web
North American Credit Services , Inc. was informed several times in writing that they have the wrong info and the debit they are stating is impossible.
03/30/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32810	Web
XXXX bills filed through this company for medical bills. Both have been paid off but my credit report does n't reflect this.
06/26/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 32701	Web
NACS, North American Credit Services calls to collect debts and uses " XXXX XXXX '' as the name of company calling.
03/24/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 34652	Web
paid the account in XX/XX/2017, It was removed, then in XX/XX/2017 it was put back on credit as a open collection
03/30/2017	Yes	Debt collection Medical	False statements or representation Indicated shouldn't respond to lawsuit	NC 275XX	Web
company put collection notice on my credit report on a debt that was taken care of in bankruptcy court.
05/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33647	Web
never been to doctor ever very healthy not sure why they send me bill there making fraud
06/12/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 328XX	Web
Medical debt that I did n't expect to have since I had my medical insurance
08/31/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33076	Web
this debt was paid by insurance and cash payment at time of service
12/17/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 20876	Web
they reported XXXX claims on my XXXX credit file that is untrue
11/26/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 20876	Web
i did not owe or have any contract with this company
04/06/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OH 43211	Web
medical debt on my credit report
05/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 20874	Web	Servicemember
Paid the debt by Money order
01/08/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 37160	Web

12/18/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	KS 66044	Web

11/25/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32703	Web

11/16/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33898	Web	Older American

11/02/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32701	Web

07/20/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS XXXXX	Web	Servicemember

01/10/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32814	Web

06/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75686	Phone	Older American

04/08/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30188	Web	Servicemember

12/02/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44121	Web

10/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30161	Phone

08/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33614	Web

08/13/2021	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 32703	Web

05/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34638	Phone

03/25/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MD 20871	Web

03/25/2021	Yes	Debt collection Medical debt	False statements or representation Told you not to respond to a lawsuit they filed against you	FL 32177	Web

01/25/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CT 06704	Phone

11/05/2020	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	TX 78247	Web

06/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33076	Web

11/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32862	Web

06/14/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32772	Referral

02/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76036	Web

02/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76036	Web

02/15/2018	Yes	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	FL 32765	Web

12/09/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32738	Web

10/19/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28782	Web

08/28/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 53405	Web

08/22/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32810	Web

08/11/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20874	Web

08/01/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23666	Web

07/14/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30260	Web

07/14/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30655	Web

07/01/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 92392	Web

06/28/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32795	Fax

06/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75061	Postal mail

05/31/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76542	Web	Servicemember

05/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 39531	Web

04/29/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 43068	Web

04/26/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30012	Postal mail

04/04/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	TX 76542	Web	Servicemember

04/03/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 45102	Web	Older American

03/27/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	OH 44107	Web

03/19/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 75001	Web

03/14/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30287	Postal mail

03/14/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IN 46062	Web

03/13/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32960	Web

03/09/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 34786	Web

03/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30233	Referral

03/01/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 34741	Postal mail

02/03/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33825	Referral

01/31/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 76133	Web	Servicemember

01/15/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33155	Web

12/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30274	Web

12/19/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	GA 30274	Web

12/16/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30013	Web

12/10/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30080	Web

11/30/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	OH 44039	Web

08/17/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NY 10473	Referral

08/08/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 34714	Web

05/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32707	Web

03/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AK 99926	Referral

03/26/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	AL 35758	Web

03/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30236	Referral

03/20/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AL 35763	Web

02/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32909	Referral

02/04/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 78130	Web

01/25/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	TX 76542	Web

01/08/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30094	Postal mail

12/28/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 76123	Web	Servicemember

11/06/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	FL 32773	Web

09/22/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 31324	Phone	Older American

09/02/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32137	Phone	Older American

07/20/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32826	Web

07/15/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TN 37870	Web

06/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30260	Referral

03/31/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 32832	Web

03/27/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27542	Web

03/24/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33311	Web

03/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32818	Postal mail

03/19/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32174	Referral

02/27/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30349	Web

01/23/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33647	Web

01/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 20720	Web

01/07/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 37013	Web

11/20/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32707	Web

11/12/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 34743	Web

10/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	IL 60163	Web

10/04/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32714	Web

09/18/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NC 28730	Web	Older American, Servicemember

09/11/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30253	Phone	Older American, Servicemember

08/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	PR 00638	Web

08/09/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 07871	Web

05/16/2014	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	FL 32824	Web

04/23/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 20910	Web

04/21/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 32757	Web	Servicemember

01/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 33525	Postal mail

01/07/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33525	Postal mail

12/17/2013	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TN 37745	Postal mail	Older American

11/11/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77701	Web

09/14/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 10010	Web