Capio Partners, LLC

I am submitting this complaint regarding XXXX XXXX 's attempt to collect an alleged medical debt on behalf of XXXX XXXX XXXX. I dispute the validity, amount, and legal enforceability of every account referenced in the collection notice dated XXXX XXXX XXXX, which alleges a total balance of {$2300.00}. I timely disputed these accounts directly with XXXX XXXX and requested validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I requested documentation establishing that I have a legal obligation to pay the alleged debt, including signed financial responsibility documents, complete itemized billing statements, documentation showing how the balances were calculated, and documentation demonstrating XXXX XXXX 's legal authority to collect on behalf of XXXX XXXX XXXX. I also requested that XXXX cease communications except as permitted by 15 U.S.C. 1692c ( c ), pending proper validation of the disputed accounts.…

On XX/XX/year>, I sought emergency care at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) as a cash-paying, self-pay patient after being left uninsured due to a government administrative error the XXXX XXXX XXXX erroneously issued and then revoked my XXXX coverage ( classified as " Admin Error '' in official state documentation ), creating a gap before my private insurance began XX/XX/year>. Prior to and during my visit, I repeatedly requested general pricing information as required under the federal Hospital Price Transparency Rule ( 45 CFR Part 180 ). Staff refused to provide pricing, and no cash/self-pay prices were posted on the facility 's website, in direct violation of federal law. Under Colorado law, hospitals are prohibited from pursuing debt collection when they fail to comply with these transparency requirements. The original bill was tens of thousands of dollars.…

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX South Carolina XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Account Number : XXXX Amount : XXXX - XXXX : {$660.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount.…

A debt from radiology popped up that opened XX/XX/year> however during or before then I didnt not receive any services in that regard.

I am filing this complaint because XXXX, the debt collector for XXXX XXXX XXXX XXXX, continues to report and update a disputed account without providing sufficient evidence that the information being reported is accurate. After I disputed this account, rather than conducting a reasonable investigation, the account was simply updated and continued to be reported. I requested validation and documentation supporting the alleged debt, including documentation showing I am legally responsible for the balance and that the amount being reported is accurate. I have not received sufficient documentation to verify the debt. I also dispute the accuracy of the information being reported to the credit reporting agencies. Simply updating the account without verifying the information does not satisfy the obligation to conduct a reasonable investigation when a consumer disputes the accuracy of an account. As a result, this inaccurate reporting continues to damage my credit.

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

I am filing a complaint against this company for reporting an account that I believe is inaccurate and unauthorized. This negative reporting is affecting my ability to purchase a home. The company did not properly notify me about this account and has not provided any proof that the debt is valid, despite my request. I never authorized this account or gave permission for it to be reported. Because of this, I believe the account resulted from unauthorized activity and should be removed or blocked immediately. This situation also appears to be a deceptive practice, where accounts are reported without proper notice or verification.

On XXXX I qualified for hospital financial assistance ( HCAP ) for emergency, life-saving care. The hospital bill was covered. This secondary physician bill was never sent to me, and the original creditor can not be contacted ( all phone numbers listed are inactive/fake ), making the debt completely unverifiable. Under FCRA guidelines, I am requesting immediate deletion of this unverified, inaccurate medical collection. Without notice of any sort I viewed a collections debt on my credit report for a total of XXXX $ from XXXX XXXX. After contacting the collections agency they told me that this debt came from the southwest anesthesiologist group as a physician bill that I never received. I contacted the hospital where I stayed at to receive contact information that was all invalid or fake.

XXXX XXXX is attempting to collect {$980.00} debt not owed in violation of FCRA and FDCPA : XXXX. XX/XX/year> : Disputed with XXXX requesting validation. USPS Certified Mail XXXX shows XXXX requested " Hold at Customer Request '' at XXXX TX post office XX/XX/year>, then " Forwarded '' XX/XX/year> to evade dispute. XXXX result XX/XX/year> : " Verified '' without XXXX providing any validation documents. XXXX. XX/XX/year> : Second dispute sent via certified mail demanding debt validation per FDCPA XXXX. XXXX result XX/XX/year> : " DELETED '' from credit report, proving XXXX could not validate or substantiate the debt. XXXX. XX/XX/year> : XXXX ILLEGALLY REINSERTED the same account onto XXXX report with status " LATE '' and fabricated 6-month payment history. No 5-day written notice was received as required by FCRA 1681i ( a ) ( 5 ) ( A ) for reinsertion of previously deleted information. XXXX.…

This communication constitutes a formal debt validation request pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are also hereby notified that the validity of this debt is disputed in its entirety, and you are ordered to cease all collection activity including reporting or forwarding information to any credit reporting agency until complete, specific, and verifiable validation has been provided.

I was informed by XXXX SSA office that my living situation had changed which had not changed, had to report to office and provide proof that I had lived in Missouri since XXXX, they were reporting that I was living in other city and state, XXXX, Maryland, Delaware, which is not the case. I have been in Missouri for all my adult life. Most of those places were hospitals and rehab centers, and have never been or lived in those locations, I don't owe these medical bills, they were accrued thru Identity thief, someone has taken my identity and used the info to get medical help, also have used several different names under my identity. Have been dealing with this since XXXX.

The information is inaccurate because I have no knowledge of this account. Asked to please verify the account or remove it from my credit file under the fair credit reporting act

XXXX XXXX XXXX RE : FORMAL REQUEST FOR DEBT VALIDATION To Whom It May Concern, I am writing in response to your alleged collection account and your attempt to collect a debt that you claim I owe. This letter serves as a formal request for validation of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute this alleged debt in its entirety and request that you provide competent evidence that I have any legal obligation to pay your company. Until you provide proper validation, you must cease all collection activity and reporting of this account to any consumer reporting agencies. Please provide the following documentation and information : 1. The original signed contract or agreement bearing my signature showing that I agreed to assume this debt. 2. The name and address of the original creditor. 3. The complete account history, including all charges, payments, fees, and adjustments. 4.…

Company is attempting to collect a debt without verification. If the debt is medically related, company has not proven they issued the debt and for what reason. I have not received any form of receipt, etc. Company must keep in mind if medically related, they do not have access to my medical records, or any subsequent tests run to incur debt, as this is a HIPPA violation. I have never signed a release or waiver of personal information to acquire this knowledge if medically related. Requesting verification and validation ( separately ) of debt, and date debt was incurred originally.

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This inaccurate collection account is unfairly damaging my credit and making it extremely difficult for me to secure stable housing and provide a safe home for myself and my family.

This company will every few years call me to attemt to scare me into paying a credit card that I defaulted on in XXXX. This debt is WAY past the legal time to sue, garnish wages, or levy bank accounts on. This is what they say when they call and threaten me for non-payment. I explain to them that this debt is beyond limits on collecting and they start berating me as person. Saying that I am a thief and I willing did this to defraud a company and I will be getting court papers for a law suit. It is all empty threats that they do trying to get a single cent to reset the clock on this. They always give vague info on who they are. They will not provide any real company information that a legitimate collection agancy would. They keep calling every day until I finally get them so agravated that I am not a fool that will give into thier illegal tactics. This is for a XXXX ( XXXX ) Credit Card that yes I defaulted on.…

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.

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.

Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to XXXX5 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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.

This company credit reported a debt that I have no record of having. I have not been contacted by the said company so I don't even fully know what the debt is for. I disputed on experian. The only thing I have ever received ( and not from them ) saying it was a final notice was from a hospital and I sent screen shots ( to XXXX ) of those payments. I should not have any debts. The fact that this was credit reported without contacting me is completely unacceptable.

To Whom It May Concern, I am formally disputing a collection account being reported by XXXX XXXX on my credit report. Account Information : - Collection Agency : XXXX XXXX - Original Creditor : XXXX XXXX XXXX XXXX - Reported Balance : {$980.00} - Account Type : Collection Account I am requesting a full investigation and validation of this alleged debt pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Please provide : - Proof that this debt belongs to me- Complete account documentation and itemized billing - Verification of the reported balance - Proof that XXXX XXXX has the legal authority to collect this debt - Verification that all information reported to XXXX XXXX and XXXX is accurate and complete At this time, I dispute the accuracy and validity of this account. If proper verification can not be provided, I request immediate deletion of this account from all credit reporting agencies.…

XXXX alert Someone put a debt collection on my credit report that is not mine.XXXX XXXX. Texas. report states they put it on my credit report on XX/XX/year> and it was dated back from XXXX XXXX.this is not my I was at work that day and have proof of that.

On XX/XX/XXXX, I was contacted by asset care. And during the course of the call, I told them to please not contact me during the hours between XXXX XXXX and XXXX XXXX because I am at work and my job does not allow phone calls. I was interrupted several times by the person I was on the phone with and once the person finally listened to what I was saying, they then told me that the only way that they could set it up so they would not contact me during work hours was if I provided them my debit card information, which is illegal as far as I'm aware. At that point, I immediately ended the call.

I am filing this complaint against XXXX XXXX XXXX XXXX XXXX ( part of XXXX XXXX XXXX ), the original creditor of an alleged medical debt that has been placed with XXXX XXXX and is currently damaging my credit file. The alleged debt of {$1300.00} stems from an emergency room visit on XX/XX/year>. The hospital has failed and refused to provide me with an itemized bill for this alleged charge despite multiple written requests over an extended period. All of my communications to the hospital have been ignored. I paid XXXX XXXX XXXX XXXXXXXX XXXX around {$1500.00} directly out of pocket for this visit. My health insurance also processed and paid claims for the medical services and supplies provided during the visit. The additional {$1300.00} alleged balance, described only as an " ER room fee '', has never been explained, itemized, justified, or substantiated.…

I do not recognize this alleged medical debt and believe it may be inaccurate. The provider may have failed to properly bill insurance. I requested validation and proof I am responsible, but this account continues reporting without sufficient documentation. I am requesting investigation and removal.

My daughter was seen at the XXXX XXXX XXXX for a XXXX XXXX that she got from work at the time. She was covered under sooner care insurance and the insurance paid her balance in full. When I called XXXX XXXX to make sure once I received the notice from XXXX XXXX XXXX, that there is a open debt collection account on my Credit report for {$1100.00}. When I called the hospital they reassured me that the insurance company had just paid this balance in full. When I called XXXX XXXX XXXX l found it strange that a lady answered the phone but did not say the company name. She asked for my date of birth. My name, my address and my social security number, which I did give to her. When she asked me for my credit or debit card to get the report taken off of my credit immediately. I knew something lwas not right I hung up the phone with her. I feel that not only is the debt not owed at all, but the company or someone acting as a representative of the company is a scam. The number l called was XXXX.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Notice of Dispute and FDCPA Validation Demand Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Our office represents XXXX XXXX XXXX XXXX, XXXX, with respect to the above-referenced account ( XXXX ) and any associated credit reporting. This correspondence constitutes a formal dispute regarding the accuracy and completeness of the information you are furnishing to consumer reporting agencies, and, to the extent applicable, a written request for validation and verification of the alleged debt under the Fair Debt Collection Practices Act. Our client disputes this account in its entirety, including the existence, amount, legal enforceability, ownership, and reporting accuracy of the alleged obligation.…

Pulling my credit file, Ive placed credit freezes on all XXXX bureaus you have no reason to keep pulling my credit as I am trying to redo my credit in sobriety.

Hey my name is XXXX XXXX and I have XXXX debts arising from medical procedures I am not aware of being reported by your company, furthermore I have insurance and no medical bill was ever sent to me discussion any overdue balance for any procedure they may have been performed I want you to send me a copy of whatever medical information you have delete these XXXX debts of of my consumer report until you can properly have the alleged original creditor XXXX XXXX XXXX XXXX verify the debts 1. Actually belong to me 2.verify they have not been paid off by my insurance which should have been your first step.