Quick Answer: A consumer disputed a medical debt with Fox Collection Center through certified mail, but the company failed to provide proper validation and proceeded with legal action anyway. The CFPB complaint seeks assistance in resolving the matter before the rescheduled court date, as the consumer believes the debt amount is incorrect.
Date Received: 2017-11-29T00:00:00
Product: Medical debt
Issue: Took or threatened to take negative or legal action
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Consumer Complaint: I sent a dispute/validation letter to XXXX collection, which is included in the attachments, certified mail. They received the letter XXXX XXXX XXXX. I received a notice roughly 2 weeks prior to the court date on the paper saying that fox collection would be carrying me to court. I contacted the company and spoke with the attorney, he said he was, in the legal department. I told him I was disputing the debt but was trying to explain to me that pretty much i do not have a dispute and still responsible for the debt. After sending my dispute/validation letter to fox collection center they sent me a letter in response to my dispute, also in attachments, that was not a real response letter to my dispute. They did not properly respond or send anything I requested from the company which is in the letter attached. They trying to put a judgement on me for some thing I do not feel I owe and I do not feel is right and also the amount. They pushed my court date out to XXXX XXXX XXXX. I am trying to get this matter resolved before then. I do not want to be stuck paying something I do not feel I owe. The name of collection agency is fox collection center, their address is XXXX. box XXXX goodlettsville tn XXXX. Their contact number is XXXX. Please help and assist in getting this matter resolved in a timely manner due to the company not properly handling my dispute or validation of debt. Thank you in advance.
Company: Professional Recovery Management
State/Zip: TN 383XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2741055
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.
Know Your Rights: If a debt collector is contacting you, you have legal protections. See the complete list of FDCPA violations collectors commit most often. Use the free Debt Validation Letter Generator to demand proof of the debt, or check this collector’s complaint history with the Scam-O-Meter.
Dealing With Debt? Before you pay a collector, understand all your debt relief options — including ones the collector won’t tell you about. If the debt feels unmanageable, take the 2-minute bankruptcy quiz to see if the math favors a fresh start. Federal Reserve research shows filers recover faster than those who don’t file.
