OUT TECH, INC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 171XX	Web
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. There are no contracst, no valid claim ... accounts were settled with original creditor. XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$94.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$88.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$95.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$87.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$72.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$86.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$82.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$74.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$82.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$78.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$68.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$130.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$460.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$400.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$100.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$100.00} Needs Attention XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX Grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and 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 non-compliance 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 {$1000.00} in damages per violation
06/15/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19151	Web
On XX/XX/2021 Bureau Of Account Mgmt violated by rights as a federally protected consumer. I have proof Bureau Of Account Mgmt is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Bureau Of Account Mgmt written consent to report any of my personal information to a third party Credit Bureau.Violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. They have communicated with me at an unusual place which is my credit report. Bureau Of Account Mgmt is in violation of 15 U.S. Code 1692d - Harassment or abuse 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 : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Bureau Of Account Mgmt has harass and harmed my reputation by reporting this information on my credit without consent stop me from receiving services or goods. 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Bureau Of Account Mgmt stated they were given consent which is false representation. Bureau Of Account Mgm is in violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in collection of debt. .
05/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30052	Web
Early in XXXX, I was getting physical therapy. XXXX XXXX was my insurance company. At the end of my visits, my employer changed our health insurance and that physical therapist just worked for XXXX. They said we owed for the time I wasn't carried by XXXX and our new insurance wouldn't pay their final bill. My wife called the therapist to work out a deal. The person in billing said she would call her back but never did. We then received a notice from XXXX XXXX in XX/XX/XXXX. A collection agency for therapists. My wife contacted them and paid {$650.00} by credit card to get rid of the debt that should have been less. But we wanted it gone. We went online to verify the amount was paid and our account showed XXXX on XXXX 's website.We never got a letter or any other correspondence. Now, in XXXX of XXXX, I get a phone call from XXXX XXXX XXXX stating I still owe and now the amount is up to {$250.00} because of interest. The person stated that it seems it was taken off the books and then put back on. I stated we had not received any notice since XX/XX/XXXX and XXXX XXXX said that the account was paid. The woman on the phone then proceeded to give us a website to look at the new invoice. We would have to create a login to go on. I will not give these people our email address to view a document. Seriously? We paid up a year ago and should even had to pay what we did. XXXX XXXX never sent us anything until this moment and now we owe interest? On what? They can't ever tell us that directly. Now, after we file our first complain with the Consumer Financial Protection Bureau, we find out that the debt was just now sold to another debt collector who just sent us a letter of collection. It's from Bureau of Account Management. Here we go again. Please help us erase this amount. We paid it with XXXX XXXX and now here 's a new company asking for money. This is insane.
03/19/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80124	Web
I called ahead to ensure pre-auth by my insurance for XXXX XXXX ( I had treatments onXX/XX/XXXX and XX/XX/XXXX ) and was told we had 40 visits each per year covered by insurance. XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ( XXXX ) XXXX Fax I got a bill from XXXX XXXX in XX/XX/2017 and contacted the clinic manager XXXX XXXX and XXXX XXXX XXXX repeatedly ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand again in XX/XX/XXXX ) and they assured me it would NOT go to collections and they were confident insurance would cover. My last correspondence from XXXX XXXX was that my account was paid in full and not to worry ( XX/XX/XXXX). I then got a notice from the XXXX XXXX XXXX XXXXt ( debt collector ) for {$410.00} on XX/XX/XXXX( notice datedXX/XX/XXXX ) I have wasted endless hours calling and emailing and was reassured every single time. I have written notice from XXXX XXXX that they will NOT send to collections. There was a delay by insurance to cover it as it was submitted properly Here is the dispute letter I sent to the debt collector ( name and identifying info removed per your policy ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Re acct XXXX Amount {$410.00} Dear Sir, I am responding to your contact about collecting a debt. You contacted me by mail on XX/XX/XXXX( date on letter wasXX/XX/XXXX ) and identified debt as {$410.00}. I do not have responsibility for the debt youre trying to collect. I have had written communication from XXXX XXXX XXXX ( XXXX XXXX and the clinic manager XXXX XXXX ) that this was covered by my insurance. If you forward this collection to another company, please indicate to them that it is disputed. If you report to a credit bureau, also report that the debt is disputed. Thank-you, Cc XXXXXXXX XXXX XXXX XXXX, fax ( XXXX ) XXXX
07/09/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 170XX	Web
I had a wireless service with XXXX, but after a week, they realized that I 'm not qualified for the service, so they asked me to return the phone and they exempt me from any obligation so I did, however, they never make sure that my service is cancelled due to their bridge of contract, I returned the phone in the legal time, but they never noted, they admitted, they made a mistake, by the time I discussed the matter with XXXX, they already sent collection to an agency, they say they can not contact the collection agency on my behalf, however, they gave me an official letter to supply the agency that I owe {$0.00}, but still they put me under collection, which is not fair, when I called the collection agency, they declined to talk to me, they say my problem with XXXX not them.why I have to be under collection and I have proof to prove it with a letter from XXXX please help me take this bad credit from my credit, i feel this is abuse, and tempting to collect something not due the total amount is they say {$530.00} for the phone which I had returned and this my proof thank you very much
04/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19464	Web
A XXXX XXXX bill which was the sole responsibility of the XXXX XXXX health insurance plan through my current employer XXXX XXXX who has agreed to pay all insurance claims relative to the XXXX XXXX XXXX I experienced in XX/XX/XXXX, is now showing up on my credit report even after I retained legal representation to resolve the matter in anticipation of this happening. XXXX has agreed to pay all XXXX costs associated with my XXXX after receiving a demand letter from my attorney but has evidently not paid the outstanding debt they agreed to pay via their legal contractual obligation of my health insurance policy with them at the time which is also is still in force. I have been with the company for over 10 years and was insured under their health insurance plan at the time of the XXXX. They illegally terminated my health insurance without any notification to me on XX/XX/XXXXbut yet cashed another premium payment on XX/XX/XXXX and tried to get out from under their legal obligation to pay the rest of my XXXX costs which is the bill being disputed on my credit report.
03/09/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 141XX	Web
I called the XXXX XXXX XXXX XXXX XXXX OF ACCOUNT XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX on XX/XX/2018 and spoke to 3 different people. I had asked that if I paid the {$54.00} that was on my credit report would they agree to remove this debt from the report. I had asked for this in writing or via email. They told me repeatedly that they remove it as a curtesy and would not send me something in writing before I paid. They told me the only thing they would do was send me a receipt after I paid and told me the actual amount that was owed was {$88.00}. They told me that they can not report any debt under {$50.00}. When I asked again to see this in writing they told me that their calls are recorded and that would be my proof. I told them that doesn't give me anything because they are the ones with the recorded call.. not me.. I asked again to have the amount in writing and was denied. I thanked them for their help and hung up.. This doesn't seem legal or legit to me. I want this removed from my credit report ( s ). Thank You
12/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	PA 17110	Web
Hello, and I hope all is well. XX/XX/2020, letters were sent to addressed issues : While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party Bureaus of Accounts Management to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
07/18/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75094	Web
A collection agency by name " Bureau of Account Management '' has sent me a letter for collecting debt for amount {$4600.00} on XXXX XX/XX/XXXX. This is for the medical services provider " XXXX XXXX XXXX XXXX '' for date of service on XX/XX/XXXX. The amount due as mentioned in the letter for {$4600.00} is incorrect. I called up the provider and had a conference call with collection agency representative on XX/XX/XXXX, where the amount due as confirmed by the provider was {$1100.00} The collection agency was supposed to send me a letter confirming the revised amount, but I did not received any letter. Instead the collection agency representative keeps calling me and leaving phone messages.
08/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 17011	Web
Hello, I received a debt collection letter from XXXX XXXX Account Management for the amount of {$690.00} I have receipt from company showing XXXX balance. I sent a certified verification of debt letter on XX/XX/2023 with no response. It's a violation of the FDCPA for a debt collector to refuse to send a validation notice or fail to respond to your verification letter. There also no notice of dispute listed on my credit report just the debt owed which is a {$1000.00} fine for each offense Section 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute Consumer Protection Not only is BAM violating the law but the credit bureaus are as well XXXX, XXXX, XXXX. Thank You XXXX XXXX
10/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 188XX	Web
BUR ACCT MGM XXXX Bureau of Accout XXXX XXXX XXXX PA XXXX Acct # XXXX {$1100.00} This account is not mine. I have written certified mail receipt attached. They will not show me a signed contract with my name on it with my signature on it. I was recently in the hospital and this information came up on my acct, and so now I know my information is being sold by this company to other companies. This infiltrates all kinds of Hippa Laws by doing this. Having this on my credit when it is not mine is agains the Fair Credit reporting act and the Hippa Laws act. Remove this immediatly from my credit, or show me this signed contract.
08/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19143	Web
I recently reached out to this creditor with concern that the alleged debt was incorrect/ not mine. They have not responded within the 30 day period that is allotted by the Fair Credit Reporting Act with sufficient proof such as a signed application or a signed agreement proving that i am responsible for the alleged debt. As outlined within Section 623 of the Fair Credit Reporting Act, the duty of the furnisher is to promptly modify or delete the information, or block its reporting. Please remove the account Not only is the account inaccurate, the alleged debt is listed more than once, violating my rights.
08/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85032	Web
Bureau of Account Management is attempting to collect a medical debt ( {$85.00} - XXXX 2015 ) that is not mine and have failed to provide any legitimate documentation on the false debt. Not only is Bureau of Account Management fraudulently attempting to collect an erroneous debt, but they have falsely reported this to all 3 credit agencies causing a significant decrease in my overall credit score. This predatory collection agency has violated the Fair Debt Collection Practices Act on all levels and I would like this resolved ASAP.
07/13/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	PA 175XX	Web	Older American
Youve received a signed letter by me so far & two complaints to stop contacting me & I received a collection notice from your company again today. Consider this a pre litigation notice. If you contact me again after youve been told not to I will sue & I will win as I know my rights. Stop the harassment or I will take legal action against your agency. Its a promise.
08/09/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89081	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
07/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19050	Web
XXXX where I was receiving therapy. I had only 2 or 3 sessions. All services provided at start of treatment was {$10.00} copay which was paid before services were rendered at each session. Paid using XXXX XXXX XXXX. I have no clue what these charges are and they are unauthorized.
05/01/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	PA 17044	Web
Creditor never made contact, or attempted to give billing information so I could pay this debt. I never got a bill, was never told the account would go to collections, and the collection agency never provided information pretaining to the debt.
01/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	PA 171XX	Web
While reviewing the overall credit profile, the Bureaus of Account Management continues to furnish collections on the credit profile. Medical bills were paid from Medical Assistance. Insurance is rendered from the Department XXXX XXXX XXXX.
01/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 17055	Web
Bureaus of account management continues to furnish information on credit file going against FCRA Guidelines. Company sent to information regarding debt. Time of service, I receive medical assistance which covers @ 100 %.
03/20/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 175XX	Web	Older American
Hi, today XX/XX/23 I got a collections notice from this company. They were notified by written letter & few months ago to never contact me again. The debt collector didnt seem to understand that.
06/17/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	PA 17057	Web
I have medical XXXX welfare and he covers all medical bills XXXX hospitals bills ) during that time I do n't have any outstanding. and I told that to the collection office XXXX
01/12/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 91364	Web
Medical bill was to be handled through insurance. Moved in Late XXXX, so never received invoice/ was never contacted through other methods regarding an outstanding bill.
07/29/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	PA 170XX	Web
continued payment request for services of which have been paid. Proceeded to falsely contact the credit reporting agencies, effecting my credit rating.
01/25/2024	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	PA 17055	Web

01/21/2024	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PA 17110	Web

06/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 17011	Web	Servicemember

05/20/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 17520	Web	Older American

01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20850	Web

12/31/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 17050	Web

12/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 17036	Web

10/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 17036	Web

07/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19131	Web

02/09/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 17325	Web

11/24/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 15370	Postal mail

10/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 16860	Web	Servicemember

02/08/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 17109	Web

01/08/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

01/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80132	Phone

05/29/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55369	Web

04/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11102	Web

04/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21224	Web

03/22/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85295	Web

03/16/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85296	Web

01/15/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21224	Web

12/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 17552	Postal mail

07/05/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 17103	Web

05/02/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 17033	Web

10/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	MI 49417	Postal mail

07/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92805	Phone	Older American, Servicemember

06/08/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 17402	Web

11/14/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60620	Web

08/17/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 17113	Web

02/21/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 17055	Web

08/28/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 22315	Web	Servicemember

07/27/2013	Yes	Debt collection Medical	False statements or representation Indicated committed crime not paying	PA 17552	Web	Servicemember