Capio Partners, LLC

I am filing this complaint regarding inaccurate medical debt reporting and improper collection activity by XXXX XXXX involving services that were fully covered by my federal health insurance, XXXX. At the time the XXXX XXXX were rendered, I was fully insured through XXXX. Due to well documented administrative delays common with VA and XXXX processing, my insurance coverage was later retroactively backdated to include the applicable dates of service. This coverage and the required billing procedures are confirmed by Explanation of Benefits documentation. The original medical provider, XXXX XXXX XXXX, was notified multiple times that coverage had been backdated and that the claims needed to be properly billed or rebilled to XXXX. The insurance provider also directly notified the medical provider of what was required to complete proper adjudication.…

Read full complaint at CFPB →

I am filing a complaint regarding a collection account being reported on my credit report by XXXX XXXX. On XX/XX/year>, I formally disputed this account and requested validation of the alleged debt, including an itemized bill and proof that the debt belongs to me. I provided the account/reference number in my communication. I never received any response, documentation, or validation from the company. Despite this, the dispute was marked as resolved on XX/XX/year>, only three days later, which strongly suggests that no proper investigation was conducted. Additionally, the account was updated again on XX/XX/year>, while still remaining unverified. I do not recognize this debt and have not been provided any proof that it is valid or belongs to me. The company has failed to comply with my request for validation and continues to report this account to the credit bureaus without providing proper documentation.…

Read full complaint at CFPB →

I am disputing a medical collection account in the amount of {$1900.00}. On or about XX/XX/XXXX this account first appeared on my credit report. Since that time, the account has been transferred to multiple collection agencies. On XX/XX/XXXX I formally disputed the account with the credit bureau. I also sent a written request for debt validation to the initial collection agency ( Recoverii ) via certified mail. I did not receive any response or validation. Despite my dispute and lack of validation, the account has continued to be resold and reported by additional collection agencies. On XXXX, I disputed the account again when it appeared under a new collection agency. I have still not received proper validation of the debt, including documentation showing the original creditor, itemized charges, or proof that any agency has the legal right to collect. The continued reporting of this unvalidated debt has negatively impacted my credit.

On date of service, XX/XX/year>, l was taken to XXXXXXXX XXXX XXXX XXXXXXXX room by ambulance and my active medical insurance was given to intake staff at the hospital. My last name at the time was XXXX and my residence was in XXXXXXXX XXXX. I had XXXX state insurance with XXXX. However, l received a bill from the hospital for {$980.00}. I contacted them by phone and the billing dept said they werent sure how my insurance wasnt submitted correctly but its been over a year so my insurance isnt going to pay it so l needed appeal the bill. A few days later, l received a letter from a dept collector for this balance. I called the hospital billing dept again and left a message. A woman from billing called me and said get an itemized statement from from XXXX XXXX XXXX and dispute it. She said they will contact them after and the bill will be written off. She said in their system, l only show a XXXX balance but they had to sell the account to this dept collector per hospital policy.…

Read full complaint at CFPB →

I am filing a complaint regarding XXXX collection accounts reported by XXXX XXXX on my credit report. The accounts show balances of {$1600.00} and {$980.00} and were both opened on XX/XX/year>. I do not recall entering into any agreement with this company, and the accounts were placed for collection without proper validation being provided to me. I have not received sufficient documentation proving that these debts are accurate, that XXXX XXXX has the legal authority to collect them, or that the amounts reported are correct.

On or about XX/XX/year>, I sent a letter via XXXX requesting a formal dispute and validation of the alleged debt to XXXX XXXX at the following mailing address, which is listed on my consumer reports as the contact address for this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX On XX/XX/year>, I received the letter back via XXXX marked as " Return to Sender - NOT DELIVERABLE AS ADDRESSED UNABLE TO FORWARD. ''

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am submitting this complaint regarding a medical collection account being reported by XXXX XXXX for approximately {$980.00}. I dispute this alleged debt and requested validation of the account pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Despite my dispute and request for validation, the collector has not provided sufficient documentation proving that the debt is mine or that they have legal authority to collect it. The account continues to be reported on my credit report, which is causing harm to my credit profile. I requested verification including documentation showing the original creditor, proof of the debt, and documentation demonstrating the collectors authority to collect. As of today, I have not received proper validation. Reporting a debt without providing proper validation raises concerns regarding compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.…

Read full complaint at CFPB →

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Validation of Debt Request - CAPIOXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Re Acct # ( account number } This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including Experian, Transunion and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962el ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.…

Read full complaint at CFPB →

Date : XXXX Subject : Formal Dispute and Demand for Deletion XXXX XXXX XXXX To Whom It May Concern, My name is XXXX XXXX , and I am writing to formally dispute inaccurate and potentially unlawful information currently being reported on my consumer credit file. Consumer Information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Last Four SSN : XXXX The account listed below is being reported on my credit report and I dispute its accuracy and completeness. Creditor/Collector : XXXX XXXX Account Status : Collection Balance : {$1500.00} Balance Date : XX/XX/XXXX This account appears to have been reported without proper validation and may constitute inaccurate, incomplete, or unverifiable information under federal law. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), specifically 611 ( 15 U.S.C. 1681i ), I am requesting a reasonable reinvestigation of this account.…

Read full complaint at CFPB →

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am writing to request verification and documentation regarding the following account on my credit report. Under Section 609 of the Fair Credit Reporting Act, I request copies of the original documents used to verify this account, including a copy of the signed contract or agreement. If you are unable to provide this documentation, I request that the account be removed from my credit report.

I received a phone call around XX/XX/XXXX from a debt collector named XXXX XXXX who was collecting a debt for XXXX XXXX XXXX XXXX for a date of service of XX/XX/XXXX. This is the very first time I was contacted from either XXXX XXXXXXXX XXXX XXXXXXXX or XXXX XXXX in regarding to this outstanding bill of {$410.00}. The health insurance in which they billed was not up to date, but I did not receive any bill regarding this outstanding balance until 3.5 years later around XX/XX/XXXX. I had health insurance on this date of service, and the hospital where the radiology took place at, also had this correct health insurance information and they received prompt payment from my health insurance for this bill. Had I received information from this provider regarding this outstanding amount, they would have been provided with my health insurance information. Now it has been 3.5 years later and they can not submit it to my health insurance at the time.…

Read full complaint at CFPB →

I have received 16 unsolicited text messages I did not consent to receiving from this collector for a medical debt that is out of the statute of limitations for medical collection in the state of which it occurred. The maximum collection debt time frame is 3 years. I have informed both the original debtor and the creditor trying to collect multiple times, and it was illegally sold to the collection company after the time expired

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

I do not owe this Physicians ER per my insurance for XXXX XXXX Member # XXXX Group # XXXX, Date of Service XX/XX/XXXX. EOB states XXXX owed my me. This XXXX need to be removed from my Credit Report and noted as XXXX. C Customer Advocates are here to help! XXXX LAIM DETAIL ( XXXX of XXXX ) PATIENT : XXXX XXXX PROVIDER : XXXX XXXX EMERGENCY CLAIM # : XXXX DATE PROCESSED : XX/XX/XXXX Amount Billed {$2300.00} Discounts and Reductions - {$2300.00} You may owe your health care provider for these services {$0.00}

Contacted XXXX and XXXX XXXX XXXX and told them the date of alleged service was XX/XX/year>. Both of these organizations did not have anything on their records for this date of service. They are trying to collect {$230.00} from me. The supposed company trying to collect this is : AssetCare LLC XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX tel, XXXX XXXXXXXX

I have no knowledge of this debt, I have never received a bill or anything from the collection agency. I have not been to a doctor in over 5 years. I want to know the means of validation, chain of custody, any contracts that Ive signed. The only way I even know this is on my credit report is cause I saw my report. This is not my debt.

I keep receiving phone calls and voicemails from ASSETCARE LLC regarding a medical debt they claim that I owe from XXXX. The XXXX of limitations for medical debt in Pennsylvania is XXXX years. They said they bought the debt from a hospital. I denied ownership of debt because I do not owe anything as I had state funded insurance at the time and requested proof of debt to be mailed to me and they hung up. The very next day it was on my credit report as collections. To me that seems retaliatory seeing as I never recieved anything in the mail and just XXXX phone call. They called a few days later and once again I requested proof of debt and they hung up again. I called back and told them to cease all communication with me. Now, even though I blocked their number they keep calling and leaving voicemails.

XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Validation of Debt Request - ASSETCARE LLC ( Original Creditor : US ACUTE CARE SOLUTIONS ) - XXXX * * * * * I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Validation of Debt Request - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

I had a XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) at a XXXX on or about XX/XX/XXXX. My XXXX I had at the time should have covered it. Some time later ( apparently on or about XX/XX/XXXX ) some entity calling themselves XXXX began contacting me and claiming that I owed {$1600.00}. A letter I received from XXXX dated XX/XX/XXXX listed this amount and claimed I owed it since XX/XX/XXXX. This letter, with XXXX Account # : XXXX, came from the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I responded by enclosing {$0.00} with a note stating : This has been going on far too long. Stop contacting me or l will take legal action against XXXX. XXXX XXXX XXXX XXXX was mailed to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did some research on XXXX XXXX and found many similar complaints against this company ( cases where people were notified of a debt they did not owe.…

Read full complaint at CFPB →

XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I've reached out to all companies listed below for a signed bill of sale and was told by all companies that they didn't have one on file. This company is violating my rights. They have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on your consumer report recently. I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law. XXXX XXXX {$80.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$240.00} XXXX {$530.00} XXXX XXXX XXXXXXXX {$13000.00} XXXX {$60.00} XXXX XXXX {$13000.00} XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX {$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$450.00} XXXX XXXXXXXX {$380.00} XXXX {$1600.00} XXXX XXXX XXXX {$220.00} XXXX XXXXXXXX {$950.00} XXXX XXXX {$780.00} XXXX XXXXXXXX…

Read full complaint at CFPB →