CFPB Complaint

PlusFour, Inc – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-11-19T00:00:00

Product: Medical debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Sometime in XXXX, I had sent a debt validation request via certified mail regarding other accounts, and received a response with medical information not at all connected to my identity. This letter included multiple HIPAA violations. In response, I sent another certified letter informing them that not only was it not my debt, but the information provided by them was inadequate to meet the conditions for validation ( please see attachment XXXX ) This eventually lead to the removal of this specific account from my credit report.

Since, I have had several more appear on my credit report with I have been unable to get a certified letter to Plus4 about, making an attempt to reach resolution as I am not sure these accounts even belong to me. Each of my letters were mailed to the address listed on my credit report, and returned as ” Undeliverable : refused ”. At this point I made an attempt to contact Plusfour via telephone, and was told that they do not accept certified mail at their address. I believe this is a violation as they do no allow me to request a validation.

On XX/XX/XXXX, I sent certified letter to debt collector requesting debt validation This was marked refused.

Since attempt to contact plus4 via the appropriate legal channels, multiple accounts have appeared on my report, and I am unable to validate any of them due to their refusal of my attempts.

Company: PlusFour, Inc

State/Zip: NV 89107

Company Response to Complaint: Closed with explanation

Was Company Response Timely: No

Did Consumer Dispute Company Response: N/A

Complaint ID: 3078071

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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