Quick Answer: Creditors Collection Service received a CFPB complaint alleging they collected on a fraudulent medical debt, hanging up when the consumer requested proper validation. The complaint shows collectors may pursue debts without adequate verification, highlighting the importance of demanding proper debt substantiation before payment.
Date Received: 2018-11-02
Product: Other debt
Issue: False statements or representation
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Consumer Complaint: Creditors Collection Service ( XXXX ) claims I owe money to XXXX XXXX XXXX but I have never gone to them for service. I have requested multiple times to substantiate their claim of debt but they simply give me my name, address, date of service, and medical billing code. In addition, at no point do they show work requested by my physician. When I contacted my physician, I am told they NEVER send anything to XXXX XXXX XXXX. I have contacted my health insurance carrier, and they noted there are two companies using the same billing code for the same date of service. Even this doesn’t seem to phase the collector into investigating this claim further. The collection service continues to hang up on me because they feel what they have given me is enough for me to pay the bill. At this point, they keep hanging up on me and can’t understand why I’m not just paying the bill.
Company: Creditors Collection Service
State/Zip: VA 240XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3064285
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.
