Quick Answer: Capio Partners, LLC (a trade name of CF Medical, LLC) is the largest medical debt buyer in the United States, based in Lawrenceville, Georgia. They purchase unpaid medical bills from hospitals and healthcare systems, then collect from consumers. Their main phone number is (678) 682-3680 and their account specialist line is 888-893-0171. The CFPB has received 700+ complaints, the BBB has 400+ complaints with a 1.0/5 star rating, and they have faced 33+ lawsuits in three years for FDCPA and TCPA violations.
If Capio Partners is in your call log: A call from a debt collector is a business communication, not a crisis. Capio Partners buys medical debt — meaning they purchased your hospital or doctor bill from the original provider, usually for a fraction of the original amount. You have specific federal rights under the FDCPA, plus additional medical debt protections that took effect in 2023. This page gives you the information to respond from a position of knowledge, not panic.
| Company Detail | Information |
|---|---|
| Company Name | Capio Partners, LLC (trade name of CF Medical, LLC) |
| Type | Debt buyer (medical debt specialist) |
| Headquartered | Lawrenceville, Georgia |
| Founded | 2008 |
| Primary Creditors | Hospitals, healthcare systems, physician groups, ambulance companies |
| Primary Phone | (678) 682-3680 |
| BBB Complaints | 400+ complaints (1.0/5 stars) |
| CFPB Complaints | 700+ complaints filed |
| Federal Court Cases | 33+ lawsuits in 3 years including Hamilton v. Capio Partners (D. Colo. 2017) |
| Governed By | Fair Debt Collection Practices Act (FDCPA) |
Capio Partners is a medical debt buyer — if they’re contacting you, they purchased your unpaid hospital or doctor bill from the original healthcare provider, usually for pennies on the dollar.
What makes Capio Partners different from most collectors is that they own your debt. They aren’t calling on behalf of your doctor or hospital — they bought the account outright. This means Capio Partners has more flexibility to negotiate, but it also means the debt has been permanently removed from your healthcare provider’s records. Their 700+ CFPB complaints and 400+ BBB complaints, combined with a 1.0/5 star BBB rating, suggest significant consumer issues with their collection practices.
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Who Is Capio Partners?
Capio Partners, LLC is the consumer-facing trade name of CF Medical, LLC, a medical debt buyer headquartered in Lawrenceville, Georgia with operations in Sherman, Texas. Founded in 2008, they are the largest purchaser of medical debt in the United States, serving 500+ healthcare provider clients including hospitals, physician groups, and ambulance companies. Unlike third-party collectors, Capio Partners buys the debt outright — meaning they own your account and are the company you’d negotiate with directly.
Capio Partners Phone Numbers
Capio Partners uses many phone numbers when contacting consumers. Consumers frequently report receiving calls from numbers they don’t recognize. If you received a call from any of the numbers below, it was likely Capio Partners.
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| Phone Number | Reported Use | Consumer Reports |
|---|---|---|
| (678) 682-3680 | Main office (Lawrenceville, GA) | Source: business directory listings |
| 888-893-0171 | Account specialists line | Source: company correspondence |
| 800-317-3327 | Outbound collections | Source: consumer complaint reports |
| 469-425-8535 | Outbound collections (Sherman, TX) | Source: 800notes consumer reports |
| 903-893-4380 | Outbound collections (Sherman, TX) | Source: consumer complaint reports |
Note: Consumers report Capio Partners uses many additional local area code numbers. If you receive a call about a medical debt from an unfamiliar number, ask for the company name and call back on their published line to verify.
Why Is Capio Partners Calling You?
- A hospital or doctor bill that went unpaid — Capio Partners is the largest medical debt buyer in the country. Your healthcare provider sold your unpaid balance to them, usually after 120-180 days of non-payment.
- An ambulance or emergency room balance — emergency medical services often go to collections quickly, sometimes before you’ve even received a bill or had time to file insurance.
- A bill your insurance should have covered — billing errors between providers and insurers are common. Before paying Capio Partners, verify that your insurance was properly billed for the services.
- A debt you don’t recognize — medical debt often appears under unfamiliar names because providers use billing companies, and the debt may have been sold from the provider to CF Medical to Capio Partners. Ask for the original provider name, date of service, and itemized charges.
A call from a debt collector is not proof you owe anything. It’s an opening position. Treat it like one.
What Consumer Complaints Reveal About Capio Partners
The CFPB has received 700+ complaints about Capio Partners. The BBB has received 400+ complaints with an average consumer rating of 1.0 out of 5 stars. The complaint volume is exceptionally high for a medical debt collector. The most common issues:
Search Capio Partners complaints in the CFPB database →
Read Consumer Complaint Themes (from CFPB and BBB filings)
“Capio Partners refuses to validate a medical debt they claim I owe. I have requested written documentation multiple times showing the original provider, dates of service, and itemized charges. They continue to call and send generic letters without providing the specific information I need to verify this debt.”
“Capio Partners calls me multiple times a day from different phone numbers. When I answer, they are aggressive about payment and don’t want to discuss my dispute. When I don’t answer, they call back within hours from a different number.”
“Capio Partners reported a medical debt on my credit report that I already paid to the original hospital. I have the receipt showing the balance was paid in full before it was supposedly sold to Capio. Despite sending them proof, it’s still on my credit report.”
“Capio Partners is trying to collect on a medical bill that my insurance company was supposed to cover. The hospital never properly submitted the claim to my insurance. Now Capio bought the debt and is coming after me for the full amount instead of the insurance company.”
“I sent Capio Partners a written cease-and-desist letter by certified mail. They acknowledged receiving it but continued calling me from their Sherman, Texas office using different phone numbers.”
Sources: CFPB Consumer Complaint Database and Better Business Bureau. Complaint themes are representative of filed reports. Personal information redacted.
Capio Partners in Federal Court
Capio Partners has been named in 33+ federal lawsuits over a three-year period, primarily alleging FDCPA and TCPA violations.
Hamilton v. Capio Partners, LLC (D. Colorado, 2017): A consumer alleged FDCPA violations based on Capio Partners’ collection letter. The court examined whether a 15-day settlement offer in the initial collection letter overshadowed the required 30-day debt validation notice period. The court granted summary judgment to Capio Partners, finding the offer did not overshadow the validation notice — but the case established that Capio’s letter practices are subject to FDCPA scrutiny.
- Aargon Agency, Inc. v. O’Laughlin (9th Cir., 2023) — Class action involving multiple debt collectors including Capio Partners, decided at the Ninth Circuit level.
- Multiple TCPA class actions — Capio Partners has been sued for using autodialers to call cell phones without consent, with statutory damages of $500 per unlawful call.
Court records are sourced from CourtListener and ClassAction.org.
What this means for you: Capio Partners’ heavy litigation history (33+ suits in 3 years) indicates a pattern of practices that consumers and courts have found problematic. If Capio Partners calls your cell phone without permission or continues calling after a cease-and-desist, each call may be worth $500-$1,000 in statutory damages.
Medical Debt Protections You Should Know
New medical debt rules (effective 2023): Medical debts under $500 can no longer appear on credit reports. Paid medical collections must be removed from credit reports. Medical debt less than one year old cannot be reported. These rules apply to Capio Partners — check your credit report to ensure they’re following them. If Capio is reporting a medical debt that violates these rules, file a dispute with the credit bureaus.
What To Do If Capio Partners Is Calling You
- Verify your insurance was properly billed first. Capio Partners’ collection of medical debt often involves bills that insurance should have covered. Before engaging with Capio, contact your insurance company and ask whether the original provider submitted the claim. If they didn’t, you may not owe this debt at all — the provider’s billing error doesn’t become your problem.
- Request an itemized bill and original provider information. Medical debt is prone to billing errors. Ask Capio Partners for the original healthcare provider’s name, the date of service, the specific procedures billed, and a full itemization. Compare this against your insurance explanation of benefits (EOB). Capio’s top complaint category is failure to provide this information.
- Request a debt validation notice in writing. Capio Partners is legally required to send you a written notice within 5 days of first contact. If they haven’t, demand one. You then have 30 days to dispute the debt in writing.
- Check your state’s statute of limitations. If the debt is old enough, they can no longer sue you to collect. Check your state here.
- Send a cease-and-desist if you want calls to stop. A written request by certified mail legally requires them to stop contacting you (except to confirm receipt or advise of legal action).
- Document everything. Date, time, what they said, which number called. If they violate the FDCPA, each violation can be worth up to $1,000 plus attorney fees in federal court.
For the complete guide: Your Rights When a Debt Collector Calls.
Key Takeaways
- Capio Partners (CF Medical) is the largest medical debt buyer in the U.S., based in Lawrenceville, Georgia
- They BUY your debt — they own it and are the company you’d negotiate with
- Key phone numbers: (678) 682-3680 (main), 888-893-0171 (account specialists)
- 700+ CFPB complaints, 400+ BBB complaints, 1.0/5 star BBB rating
- 33+ lawsuits in 3 years for FDCPA and TCPA violations
- Verify your insurance was properly billed before assuming you owe this debt
- Medical debts under $500 and paid medical debts must be removed from credit reports
Free Tool — Statute of Limitations Checker: Dealing with old debt? The free Statute of Limitations Checker tells you if the collection clock has expired in your state — including the zombie debt and clock-restarting traps collectors use. Check My Status →
Frequently Asked Questions About Capio Partners
Who is Capio Partners?
Capio Partners, LLC is the consumer-facing trade name of CF Medical, LLC, a medical debt buyer headquartered in Lawrenceville, Georgia. Founded in 2008, they are the largest purchaser of medical debt in the United States, serving 500+ healthcare provider clients. Unlike most collectors, Capio Partners buys the debt outright from hospitals and doctor offices, meaning they own your account. The CFPB has received 700+ complaints and the BBB has received 400+ complaints about them.
Is Capio Partners a scam?
Capio Partners is a licensed debt collection company, not a scam. However, their 1.0 out of 5 BBB star rating, 700+ CFPB complaints, and 33+ lawsuits in three years indicate significant consumer issues. Top complaints include failure to validate debts, aggressive calling tactics, and inaccurate credit reporting. If Capio Partners contacts you, verify the debt in writing and confirm your insurance was properly billed before paying anything.
Why is Capio Partners calling me about a bill I already paid?
This is a common complaint. The most likely explanation is that your payment went to the hospital or doctor after they had already sold the debt to Capio Partners (CF Medical). Contact the original provider and ask them to recall the account or confirm they received your payment after the sale. If you have proof of payment to the original provider, send it to Capio Partners in writing and dispute the debt with the credit bureaus.
Did my hospital sell my debt to Capio Partners?
Yes. Capio Partners is a debt buyer, meaning they purchased your unpaid medical balance from the original healthcare provider, usually for a fraction of the face value. The hospital or doctor’s office received a partial payment from Capio and transferred the account. Capio now owns the debt and is the company you would negotiate with directly. The original provider no longer has any stake in the account.
How do I stop Capio Partners from calling?
Send a written cease-and-desist letter by certified mail to Capio Partners, LLC, 1745 N. Brown Road, Suite 450, Lawrenceville, GA 30043. Under the FDCPA, they must stop calling after receiving your request. Keep your letter and certified mail receipt as proof. If they continue calling after receiving your cease letter, each additional call may be an FDCPA violation.
Can Capio Partners sue me?
Yes. Because Capio Partners owns the debt (they are a debt buyer, not a third-party collector), they have standing to file a lawsuit against you if the debt is within your state’s statute of limitations. However, 33+ lawsuits filed against Capio Partners suggest they face legal challenges of their own. Check your state’s statute of limitations before assuming you are at risk.
Should I pay Capio Partners or negotiate?
First verify your insurance was properly billed and the debt is valid. If it is, Capio Partners may negotiate because they bought the debt for a fraction of the original amount. The Hamilton case showed Capio offering 15-day settlement discounts in their collection letters. Medical debts under $500 can no longer appear on credit reports, so paying a small balance may not affect your credit. Get any agreement in writing before making a payment.
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.
