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HCFS Health Care Financial Services, Inc. – CFPB Complaint

By on January 22, 2018

Date Received: 2018-01-09T00:00:00

Product: Medical debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: There was no initial or any other type of communication on the alleged medical debt being owed. And no written notice was sent communicating name of the creditor, the amount of debt and other necessary information in accordance with section 809 of the Fair Debt Collection Practices Act ( FDCPA ).
Sometime in XXXX I requested for my credit report and noticed the score had dropped from XXXX to XXXX. I took a second look and discovered a debt of {$1300.00} from XXXX XXXX XXXX. The original creditor was XXXX XXXX XXXX XXXX. I am not personally liable for my medical bills, XXXX XXXX care my Insurance company takes care of all my medical bills. I contacted XXXX XXXX care and was told that they never received this claim from XXXX XXXX XXXX XXXX. They assured me that if the claim was made they would pay. However, XXXX XXXX XXXX refused to speak to XXXX XXXX XXXX and they refused to send me information on what they paid for despite promising to fax same to me on several occasions upon my requests.
I retrieved my health records to verify their position. Thereafter, I called XXXX XXXX XXXX and requested for information on the debt, but they were not forthcoming with that. After my incessant phone calls, they promised to suspend the debt from my credit report but never did that as well.
I strongly believe that a collections agency should conduct its proper investigation before going after individuals for debt. If extensive investigation was conducted, XXXX XXXX XXXX would have known that I am not individually liable for medical bills and it would have discovered that I do not owe this debt. It would have also contacted the Insurance Company to pay the bill or presented the bill to the Insurance Company.. My credit score is hurting due to the unlawful and negligent act as well as unprofessionalism displayed by XXXX XXXX XXXX. Moreso, no communication was sent to me on this claim. I would like to strongly state that I do not owe this debt.
At present, all I want is the entry to be deleted from credit report.
Thank you.

READ  Focus Holding Company - CFPB Complaint

Company: HCFS Health Care Financial Services, Inc.

State/Zip: FL 330XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2777231

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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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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