AmeriCollect

I am disputing a medical collection account reported by Americollect Inc. for {$500.00}. On XX/XX/year>, I sent a debt validation request via certified mail, which was delivered and confirmed. I requested full validation of the debt, including an itemized statement, proof of the original obligation, and verification of all reported information. As of today, I have not received proper validation of this debt. Despite this, the account continues to be reported on my credit file. Additionally, the account contains inaccurate and incomplete information, including invalid or missing dates reported across credit bureaus. This raises serious concerns about the accuracy and completeness of the reporting. I disputed this account with the credit bureau, and it was marked as verified, despite the presence of inaccurate data and lack of proper validation from the debt collector.…

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I disputed inaccurate duplicate reporting on my credit file regarding accounts listed by Americollect.Multiple accounts are being reported for the same alleged medical debt, each showing a balance of {$1000.00}. These entries appear to be duplicate listings of the same account, which makes the total amount reported inaccurate and misleading. I previously disputed this issue with the credit bureaus and requested that the company verify the debt and provide documentation showing that each listing represents a separate and valid account. I also requested a breakdown of the amount and proof that I am legally responsible for each reported balance.The company did not provide sufficient documentation or proof that the accounts are separate, yet the duplicate entries remain on my credit report.This duplicate reporting is unfairly harming my credit and financial standing.…

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To Whom It May Concern, I am writing in response to your communication regarding an alleged debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt in its entirety and request full validation. Specifically, please provide : The full account number associated with the alleged debt. The total amount claimed, including an itemized breakdown of any fees, interest, or additional charges. Copies of any contract, agreement, or other documentation bearing my signature that demonstrates I have a legal obligation to pay your company. Documentation establishing your legal authority to collect this debt. The date of alleged default and a complete payment history for this account. Please provide documentation demonstrating that I entered into a contractual agreement directly with your company agreeing to pay this debt.…

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I have been receiving many calls from a debt collector AmeriCollect. I send them to voicemail and in every voicemail they state very directly that they are a debt collector which violates FDCPA. I received XXXX on XX/XX/year> as well as today XX/XX/year>. They have also called my work and stated that they were a debt collector and asked for me by name which exposed others to learn about my debt. I am VERY displeased.

To Whom It May Concern, I am submitting this complaint regarding a medical debt that a collection agency has failed to properly validate after receiving my written dispute. Debt Collector Name : AMERICOLLECT INC Amount Allegedly Owed : {$1100.00} Original Medical Provider : XXXX XXXX XXXX Date of First Contact : XX/XX/year> On XX/XX/year>, I sent a written debt validation request to the collection agency within 30 days of receiving their initial communication. My request was sent via certified mail. The agency received my dispute but has failed to provide proper validation of the alleged debt. To date, the collector has not provided sufficient documentation to verify : * That I am legally responsible for this medical debt. * A detailed, itemized billing statement from the original medical provider. * Proof that the amount claimed is accurate and includes no unauthorized fees or charges. * Documentation showing the collector has legal authority to collect this specific debt.…

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They sent me a bill for medical debt that is not my responsibility. I had XXXX XXXX insurance through the state of Wisconsin that should have covered the bill. It is illegal for a provider to send a bill to anyone with medical insurance through the state of XXXX. The provider had my medical insurance information and so did the collector. Last year they posted it on my credit report illegally and it was reported as charged off. As of XXXX it is reported as open and I am now being harassed for the money by their attorney. They extensively damaged my excellent credit score and continue to find new tactics to collect a debt that is legally not mine. They should be taking this up with the insurance company that underwrites my policy through the state of XXXX.

I took my XXXX XXXX XXXX daughter to XXXX XXXX XXXX for XXXX XXXX. She was literally in a fetal position in the floor board of my truck. This bill is for what was out of pocket AFTER my insurance paid. The doctor did absolutely nothing and I just think this bill is ridiculous. The doctor literally came in the room and pushed on my daughters stomach a couple of times. No testing, no IV, no labs or imaging. They checked her XXXX and said it was acid reflux for pain in her stomach. I had to take her to our family doctor and get a referral for a specialist. I just feel this dollar amount is excessive for the doctor not doing anything.

To Whom It May Concern, I am contacting you regarding the above-referenced account. I do not believe this balance is valid, as my insurance plan should have covered these charges in full or in part. Before I take any further steps, I am requesting the following : A full insurance re-billing and claim reprocessing Detailed itemization of the charges, dates of service, and the provider involved A written explanation of why insurance was not billed properly or why coverage was denied Until this insurance review is completed, I am requesting that you stop all mailed collection notices and any further collection activity, as permitted under the Fair Debt Collection Practices Act. This account must remain on hold while insurance is being re-evaluated. This is not an admission of liability. I am disputing the validity of this debt and requesting proper verification and insurance correction.…

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I have disputed this collection XXXX XXXX 3 times XXXX, XXXX & XXXX & they keep updating info as if I still owe them. I dont even know what this agency is and never had communication with them outside of this dispute. I never signed or agreed to anything with this collections agency. They have yet to remove it, also using FCRA code & statute.. So now I bring it here.

I submitted a previous complaint on XX/XX/XXXX. In the response to this complaint, Americollect provided debt verification for debt that my doctor submitted to and should have been paid by insurance. They have continued to call me regularly regarding this debt even though I have told them repeatedly that the debt is not valid. Since my complaint, they have again called on the following dates : XXXX - twice XX/XX/XXXX - twice XX/XX/XXXX - twice XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - twice XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - twice XX/XX/XXXX - twice XX/XX/XXXX - twice XX/XX/XXXX - twice I continue to block the numbers they are calling from, so they keep calling from new numbers, many of which are listed as residential and do not even come up as Americollect on caller ID.

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Ameri Collect XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Re : Formal Request for Debt Validation Account Number : [ Insert Account Number ] To Whom It May Concern, I am formally requesting validation of the alleged debt referenced above, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is not a refusal to pay, but a request that you provide complete verification of the alleged debt before I take any further action. Until this information is provided, you must cease collection activities and remove any negative credit reporting related to this account. Under federal law, please provide the following : 1. Proof that I am legally obligated to pay this debt, including A signed original contract or agreement Documentation showing the chain of ownership if the debt was sold 2.…

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The medical providers and collection agencies have reported my medical bills to credit reporting companies and XXXXparty debt collectors in a way that I believe violates my privacy rights. I did not authorize them to share detailed information about my medical treatment or bills beyond what is minimally necessary, yet they have disclosed enough information for multiple collectors and credit bureaus to report these debts as medical collections. I am concerned this goes beyond what is allowed under health privacy laws and the limits on what can be shared for credit reporting and collection purposes. Because they have shared and used my medical information improperly and then reported these medical collections inaccurately, I am not asking for a correction or update. I am asking for these medical collection tradelines to be completely removed from my credit reports.…

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I was admitted to the hospital in XXXXXXXX XXXX XXXX The Emergency Department Physician who admitted was a contracted Emergency Medicine Physician who is an employee of XXXX XXXX XXXX XXXX XXXX XXXX group who staffs the Emergency Department at the time of admission. A collection was placed on all XXXX credit reports as a collection in the amount of {$1400.00}. However, this amount was paid in full along with the hospital bill by XXXX in 2024. I know this because I have documentation from XXXX which is the Summary of Benefits for the bill and amount reimbursed to XXXX for said date of service and admission. I should never have been given this bill. Someone made an error but I was penalized with having it on all 3 of my credit reports. After presenting the necessary documentation to XXXX Billing and Americollect I was told it was canceled on all 3 credit reports. I have reached out on numerous occasions to dispute this information with all 3 credit reporting companies.…

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XXXX XXXX XXXX XX/XX/year> Consumer Financial Protections Bureau XXXX Re : Dispute of Inaccurate Credit Information To Whom It May Concern : I am writing to dispute the following information on my credit report. After reviewing my credit file, I identified inaccurate and false information that I request be investigated and corrected as required under the Fair Credit Reporting Act ( FCRA ). Item Being Disputed Creditor/Account Name : AMERICOLLECT LLC Reason for Dispute : Not able to legally validate debt Explanation : This account is not able to provide ownership of debt and not able to give statement of debt. Under the FCRA, I formally request that you investigate this matter and remove the inaccurate information from my credit report. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX

On XX/XX/year>, I contacted the debt collection company ( Americollect ) to dispute an incorrect balance they claimed I owed. The company reported that I owed {$1600.00} for medical services. However, according to my insurance Explanation of Benefits ( EOB ), my actual financial responsibility for the XX/XX/XXXX service was only {$300.00}. I never agreed to pay the full {$1600.00}. I requested validation of the debt and informed the company that the amount they are trying to collect is inaccurate and misrepresents the true amount owed. Despite this, they have continued to pursue the incorrect balance. I believe this violates the Fair Debt Collection Practices Act ( FDCPA ) because they are attempting to collect an amount that is not valid and not supported by my insurance records. I am requesting CFPB assistance to have the incorrect balance corrected and to ensure the collector provides proper validation and updates their records to reflect the accurate amount.…

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I called Americollect today. They verified my information and I told I had no idea what the debt was for and she asked for my credit card because she said the system they used needed me to pay them. I told her I wasn't paying them for information they already had, she kept trying to talk over and the last thing I heard was her saying that's our system and you have to pay, I said no and hung up. I didn't even get a letter from them just several voicemail a day.

I am filing this complaint because Americollect is attempting to validate and report duplicate medical debt for the same emergency room visit, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Americollect provided two itemized statements for what they claim are separate debts. However, both statements are for the exact same XXXX XXXX, with only the Visit Number changed. The details from both statements prove they are duplicates : Same Date of Service : XX/XX/year> Same XXXX Codes : XXXX ( XXXX, {$57.00} ) and XXXX ( XXXX XXXX XXXX, {$1600.00} ) Same Provider : XXXXXXXX XXXX XXXX Same Doctor : XXXX XXXX, XXXX XXXX Same Patient Information Same exact charges, payments, and adjustments The only difference is the Visit # : Statement 1 Visit # : XXXX Statement 2 Visit # : XXXX This is clear evidence of duplicate billing, where the provider created two accounts for the same medical event.…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX SSN ( last 4 ) : XXXX Date : XX/XX/year> VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED AmeriCollect , Inc . Attn : Compliance Department / Legal Department XXXX. XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX Attn : Patient Financial Services / Compliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : Account # XXXX ( per XXXX ) CEASE AND DESIST / HARASSMENT COMPLAINT / FULL DEBT VALIDATION DEMAND / DISPUTE OF ALLEGED DEBT / DEMAND FOR IMMEDIATE DELETION FROM ALL CREDIT REPORTS To Who m It May Concern : I am writing to formally dispute the validity of the above-referenced alleged debt and to invoke my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), the Fair Credit Billing Act ( 15 U.S.C. 1666 ), the Uniform Commercial Code 9-210 ( Fla. Stat . 679.2101 ), and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 1. IMMEDIATE CEASE AND DESIST 15 U.S.C.…

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You are reporting inaccurate information on my consumer report. You refuse to provide me with the purchase agreement showing my wet signature. Until you provide me with the following ( letter attached ). This is to give you notice to cease all contact with me or anyone else except the creditor about this claimed debt. Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice to you to cease all further communications with me.

Complaint Against Americollect , Inc. Unverified Medical Collection Reporting Account Number : XXXX Balance : {$1600.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Original Creditor : Medical Provider To Whom It May Concern : I am filing this complaint because Americollect , Inc. is reporting a medical collection account on my credit file without providing proper validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I made a written request for validation. Americollect failed to provide any documentation, yet continues reporting the account as a valid debt. 1.…

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XXXXomplaint Against Americollect , Inc. Unverified Medical Collection Reporting Account Number : XXXX Reported Balance : {$1600.00} Date Reported : XX/XX/year> Original Creditor : Medical Provider To Whom It May Concern : I am filing this complaint because Americollect , Inc. is reporting an alleged medical collection account on my credit report without providing proper validation, in violations of the FCRA and FDCPA. I disputed the account and requested validation, yet the agency has not provided any proof that the debt is valid or accurate. 1. Failure to Provide Required Validation ( FDCPA 809 ( b ) ) I requested the following documentation : Itemized billing Insurance payment details Proof of assignment from original creditor Original signed intake/authorization documents HIPAA release documentation Americollect provided none of the required information. 2.…

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This statement details precisely what occurred regarding the AMERICOLLECT account reported under identifier XXXX, currently appearing on my credit report as a collection/chargeoff with a past-due balance of {$570.00} and listed as derogatory on all bureaus. This narrative is being provided to the Consumer Financial Protection Bureau ( CFPB ) to document the complete history of this account, explain the violations committed by Americollect and the credit bureaus, and to describe the financial, emotional, and legal harm I have suffered as a result of inaccurate, incomplete, unverifiable, and noncompliant reporting. This is a precise, chronological, legally structured account of what happened. 1. Initial Discovery of the AMERICOLLECT XXXX Account on XXXX XXXX XXXX I first became aware of this Americollect account while reviewing my credit reports.…

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To Whom It May Concern : This letter is a formal notice pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I hereby demand that Americollect , Inc. immediately cease all communication with me concerning the above-referenced account. Under the FDCPA, once this request is received, you are prohibited from contacting me further except to : Advise that your collection efforts are being terminated, or Notify me that you may invoke specific remedies permitted by law ( such as filing a lawsuit, if you intend to do so ). Please note that any further communication beyond what is allowed by law will constitute a violation of the FDCPA, and I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. If this debt is being reported to any credit bureau, I request that you mark it as disputed in accordance with 15 U.S.C.…

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I informed both the original creditor and the debt collector that it is illegal to bill me for medical services because at the time of service I had/and still have XXXX XXXX medical insurance through the state of Wisconsin. I gave both parties my Medicaid insurance information and they both ignored it and continued to harass me by telephone. The bill was also over a year old when I first received notice. There was not a statement included in either of the companies bills that came to me in the mail. AMERICOLLECT , LLC XXXX XXXX XXXX XXXX WI XXXX Pay the balance shown below or call XXXX to make arrangements. CREDITOR NAME XXXX XXXX XXXX XXXX XXXX LOCATION : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> BALANCE {$910.00}

In 2021 I was in a car accident and I had to get an MRI done and the name of the company was XXXX XXXX XXXX. The accident was in litigation and because it took XXXX years to settle the case. XXXX send my bill to Americall collections, but XXXX got paid when the case got settle and I have a copy of the check that my lawyers send to XXXX company to pay my debt. I explain to XXXX XXXX agency that the bill is paid, but they still harassing me and calling me like XXXX times a day and living me voicemails and I need help so they can stop harassing me. Im a disable person and they just making my health situation worst. I suffer of severe XXXX and I just need for this collection company to stop harassing me. This should be a fraud.

I've been receiving calls for years from Americollect, and I have asked them many times over the years to stop calling because they could not provide any information about the debt they were supposedly trying to collect, they would not even confirm who they were contacting- they wanted me to verify my identity without any information from them. Each time I answered a call and refused to provide information unless they told me what debt they were calling about, the calls would stop for a while and then start again. In the last 6 months they have begun calling from multiple numbers because I began just blocking them as my requests to stop contacting me never worked. Often the numbers look like regular people calling and are not identified in caller ID as Americollect. On XX/XX/year>XXXX I sent them a letter via US Mail requesting they validate the debt they kept calling about.…

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I went to the hospital on XX/XX/year>. XXXX XXXX XXXX sent my medical billing to Americacollect debt collector without first sending it to my insurance. They tried to send it to my insurance the next year with the wrong information. Americollect called numerous times hassling me to pay the debt of {$3400.00} something dollars though I informed them that the billing was incorrect. Americollect posted XXXX hard inquiries on my credit which affected my score exponentially. I called my insurance agency, XXXX, and they stated that they never got the claims and sent over the claims information to Americollect and XXXX XXXX for them to send the information to them. I called Americollect today to make sure everything was sent back to insurance and the representative stated it was and that I owe the same amount and that I have to pay it. I told them that it was wrong and that they shouldnt have it and she stated that I have to pay this and that it will continue to affect my credit.…

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In XXXX I was a victim in a car accident and received treatment from XXXX XXXX XXXX XXXX XXXX. I provided valid insurance information at the time of service, yet the provider failed to bill my insurance. Instead, they later referred an inflated and unvalidated balance of {$4100.00} to Americollect. The only direct bill I ever received from XXXX showed a balance of {$80.00}. I first sent a written dispute letter to both XXXX XXXX XXXX XXXX and Americollect on XX/XX/XXXX, requesting full validation of the alleged balance, itemized billing, and insurance claim records. After receiving no response, I mailed a certified Notice to XXXX on XX/XX/XXXX, again demanding proof of debt and billing documentation. Both letters were received and signed for, but neither company responded or provided any evidence supporting the amount claimed. Despite this, Americollect continued reporting the alleged {$4100.00} balance to the credit bureaus.…

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To Whom It May Concern : This letter is being sent in response to your recent communications regarding an alleged medical debt and its reporting to the credit bureaus. Please be advised that I dispute the validity of this alleged debt and request full validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( Sec. 809 ( b ) ). This is not a refusal to pay but a formal request for debt validation. Under federal law, you are required to provide proper documentation verifying that I have a legal obligation to pay this debt before any further collection or credit reporting activity continues. Debt Validation Request Please provide the following information to validate this alleged debt : 1. A detailed explanation of what the debt is for and a complete itemization of how the balance was calculated. 2. Copies of any signed agreements or documents showing I agreed to assume this debt. 3. Verification or copies of any judgments ( if applicable ). 4.…

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I received a letter in the mail from americollect stating I owed {$100.00} regarding my sons hospital visit on XX/XX/XXXX. After the visit, I received a bill from the hospital and was advised I was able to set up a payment plan to pay off what was not covered by insurance. I enrolled in the payment plan and completely paid my balance off beginning XX/XX/XXXX with the last payment being on XX/XX/XXXX, bringing my balance to {$0.00} owed. Once I received a letter from americollect demanding payment, I responded in an email demanding collection efforts cease and proof of payment be provided. Sent On XX/XX/XXXX, and received on XX/XX/XXXX, a letter in the mail states I owe a {$0.00} balance and nothing is due, yet they are still demanding I owe THEM {$100.00}. There was no email response to my dispute. And this letter is very contradictory and improper to request money not owed.