Subscribe to our mailing list

X

AMCOL Systems, Inc. – CFPB Complaint

By on October 3, 2017
Consumer Complaint Submission

Date Received: 2017-06-20T00:00:00

Product: Medical debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On XX/XX/XXXX I was a patient at XXXX XXXX XXXX XXXX to receive XXXX in my XXXX. I paid the amount due at the time of the visit, which was something like {$100.00} – {$150.00}. The remainder of the bill was sent to my insurance company. Unbeknownst to me at the time of needing XXXX in my XXXX, XXXX XXXX XXXX XXXX was not in network for my insurance company, and as a result I ended up owing additional funds to the service provider. They sent me a bill, which — as happens from time-to-time — fell through the cracks as I was traveling a lot for my job during that period. A few months later, the bill was sent to AMCOL Systems for collection. This is very atypical for me ; I have worked very hard for the better part of my adult life to establish good credit. I am very protective of my credit score, and it was never my intention to willfuly ignore the debt. However, my job continued to be extremely demanding at that time and required that I move my family to a new city. On XX/XX/XXXX I contacted AMCOL to pay the debt. Rather than negotiating a discounted payoff, I asked them if they would remove the collection from my credit report if I paid the debt in full. They did tell me that it was unlikely they would have the debt removed from my credit, but that a ” paid in full ” status would be significantly better for my credit than ” paid as agreed. ” I did pay them in full, but my credit has not improved as they said it would. I ‘ve since called them multiple times and talked with multiple people asking them to please stop reporting my paid in full debt to the bureaus, but they simply will not do it. I know they absolutely have the ability to have the bureaus remove the collection from my report, but they simply choose not to because of their company policy – a policy that clearly is not in the best interest of American consumers. Not only is their policy unfair and unjust, but they continue to report to the bureaus every 2 weeks that my debt was paid in full, which keeps it at the top of my credit report and will continue to make it appear as a young debt. At this point it just feels spiteful.

READ  TrueAccord Corp. - CFPB Complaint

Company: AMCOL Systems, Inc.

State/Zip: TX 787XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2553657

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

Last step, fill out the information below or call us for Priority Assistance.

What problems are you having with your report?

Your first name is required. Your first name is required to be at least 2 characters. Your first name cannot be longer than 50 characters.
Your last name is required. Your last name is required to be at least 2 characters. Your last name cannot be longer than 50 characters.
Your email is required.
Your phone is required. Your 10 digit phone number is required.
Your state is required.
Your age is required. Your age must be greater than 18. Your age must be less than 100.

By clicking on the "Contact Me" button above, you consent, acknowledge, and agree to the following: Our Terms of Use and Privacy Policy and to receive electronic communications. We take your privacy seriously. That you are providing express "written" consent for Debt.com or appropriate service provider(s) to call you (including through automated means; e.g. autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS - charges may apply), even if your telephone number is currently listed on any internal, corporate, state or federal Do-Not-Call list. Consent is not required as a condition to utilize Debt.com services and you are under no obligation to purchase anything.

By clicking on the “Contact me” button above, you consent, acknowledge, and agree to the following: (1)That you are providing express “written” consent for Lexington Law Firm, Debt.com or appropriate service provider(s) to call you (including through automated means; e.g. autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS – charges may apply), or dialed manually, at my residential or cellular number, even if your telephone number is currently listed on any internal, corporate, state or federal Do-Not-Call list; and (2)Lexington Law’s Privacy Policy and Terms of Use and Debt.com’s Terms of Use and Privacy Policy. Consent is not required as a condition to utilize Lexington Law or Debt.com services and you are under no obligation to purchase anything.

About Research Department

Here is where you will find important stories located from around the web which can impact you and your financial life.
%d bloggers like this: