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Business & Professional Collection Service Inc – CFPB Complaint

By on November 21, 2017

Date Received: 2017-09-21T00:00:00

Product: Medical debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I went to the hospital for a XXXX XXXX on XXXX XXXX, XXXX and incurred a large bill that my insurance paid all of but a {$580.00} portion that was my responsibility that was not paid. That amount now shows on my credit report as being placed for collection XXXX/XXXX/XXXX which is incorrect. XXXX XXXX XXXX XXXX XXXX XXXX who provide the service ( s ) sent me late notices in XXXX of XXXX. While I do n’t have copies of them I do have copies of a bill from one of their bill collectors XXXX and XXXX XXXX XXXX from XXXX XXXX, XXXX showing the debt amount and that they are charging interest on the debt. I believe the debt collector knowingly ” re-aged this debt ” which is a violation of the Fair Credit Reporting Act by reporting inaccurate information about my accounts to credit bureaus. In XXXX XXXX I sent a letter of dispute to the credit reporting agencies saying the debt was from XXXX and the ” hospital collection service ” verified it as accurate. This is a practice of unscrupulous debt collectors and I feel they should be punished for it as it has adversely affected my credit rating and increased the cost of credit I have obtained over the last couple years because this collection is being inaccurately reported in my credit file. Other debt I had incurred from this same hospital visit has been removed from my credit file.

Company: Business & Professional Collection Service Inc

State/Zip: NV 895XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2681254

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.

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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.

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