AMCOL Systems, Inc.
Consumer Complaints
There are over 491 complaints on file for AMCOL Systems, Inc.. Dated between 2019-11-21 and 2013-08-01.
Complaints Page 2
2019-09-02
Houston, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: Hi ; There are 3 different unknown medical collection accounts on my credit report that i've tried for many months to resolved but unable to. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response: Closed with explanation
2019-08-30
Jacksonville, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Amcol Systems, Inc ( XXXX XXXX ) XXXX XXXX XXXX XXXX, SC XXXX Account # listed on demand letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX ID # XXXX After taking a look at my excellent credit score, I noticed on my XXXX account on XX/XX/XXXX, that your company posted a collection on my account without first notifying me of an alleged debt. I have reason to believe I do not owe this debt The Fair debt Collection Practices Act ( FDCPA ) .. has certain rules in place to avoid fraudulent collections, and you did not follow their policies. You are to notify the alleged debtor of such debt to confirm is a legit debt, and the person you are harassing is the correct person and not someone else. I was never given that opportunity to view your alleged collection, and should have been allowed to respond to your demand letter within 30 days after receiving such notice I have to notify you that you are in violation of the Fair debt Collection Practices Act ( FDCPA ) ..
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in the state of Florida 5 Itemized breakdown of money owed and why If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.
Any and all future demands I request to be mailed certified and with a tracking number to avoid any confusion Sincerely, XXXX XXXX XX/XX/XXXX
Company Response: Closed with explanation
2019-08-28
SC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Per XXXX, I have an adverse account with Amcol Systems Inc with a partial account number XXXX**** at XXXX XXXX XXXX, XXXX , SC XXXX XXXX. This file shows a collection for {$150.00} as Medical in XXXX of 2015. This information does not show up on any other credit bureau repository. I have never been contacted by anyone about this matter nor does this have anything to do with me.
This collection is negatively impacting my credit score. I don't check my credit reports very often as I have a " Freeze '' on my account. I decided to get a copy of my report, this year, as a check and to clean up any erroneous information. I found this addition when I received my report.
Credit Reporting agencies bare a responsibility to notify consumers when negative information is being added to their file so that both sides of the story are reflected. Unfortunately, credit repositories, like XXXX, simply add negative information to a consumer 's file without contacting the consumer. This has been a part of my file since 2015, without my knowledge. Yes, I should have been more attentive in checking my file ( s ) yet the credit bureau repositories are a profit oriented businesses and should be involved in investigating adverse reports. I also think the that there should be a minimum dollar amount, say {$500.00} or {$1000.00} that can be reported as even a {$10.00} collection will have negative consequences.
While I should have contacted XXXX about this, first, I believe there are other consumers who have had a similar experience. Furthermore, I don't think I should have to prove my innocence vs a creditor/credit reporting agency proving that a consumer owes money. There has to be a minimum amount owed and a minimum amount of effort spent trying to collect before a request is made to add adverse information. At the very least, making sure that adverse information belongs to the correct consumer.
This isn't the first time this has happened to me. The reporting agency removed incorrect information from my file, once contacted, yet there is no way to quantify the damage done while the incorrect information was part of my file nor did the reporting agency add comment about the erroneous information removed and how it got there.
Company Response: Closed with explanation
2019-08-25
Southfield, MI
Attempts to collect debt not owed
Debt collection: I do not know
Debt was already discharged in bankruptcy and is no longer owed
Complaint: I received telephone calls from a collection agency call Amcol not knowing what the debt was about because they refuse to give me any information in reference to whats being owe, scams of identity have already occur on my credit report and sent to wrong address. I file bankruptcy and all information is public record. Amcol say that they have information, what is it! I have been rebuilding my credit and with patience and paying on time XXXX XXXX score was XXXX was XXXX and XXXX XXXX now all three is below 622. I don't have a problem in paying what I owe just talk to me, without abusive behavior of threatening me, trying to intimidating because of the power the three bureau 's has given them over me.
Company Response: Closed with explanation
2019-08-22
Katy, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-08-20
Houston, TX
False statements or representation
Debt collection: Medical debt
Attempted to collect wrong amount
Complaint: I noticed several collection accounts on my credit from Amcol Collection agency.I requested validation of the debt from them, because I have insurance and paid my part. my insurance sent me a copy of the claims showing the debt to be paid. This agency ignores my requests for validation and proof that the accounts are erroneous and are paid. They continue to report this inaccurate information on my credit
Company Response: Closed with explanation
2019-08-13
Katy, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-08-12
Capaldo, KS
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-08-03
Hinsdale, IL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Complaint: Children 's Hospital of XXXX ( XXXX ) sent a {$470.00} bill to collections with Amcol Systems that was paid in full through XXXX ( XXXX ).
-The date of service for the original bill from XXXX was XX/XX/XXXX.
-XXXX paid via Check on XX/XX/XXXX -I received monthly bills from XXXX. I called in to XXXX on some of those and was told to call back in 30 days if the payment still hadn't posted.
-On XX/XX/XXXX XXXX sent a letter to XXXX on my behalf detailing that the claim in question had been paid on XX/XX/XXXX and my outstanding balance was {$0.00} ( There was another contact with XXXX sometime after the first conversation to check on the response from XXXX, but at that time they had been unable to get in contact with anybody at XXXX to explain that the debt was paid in full ) -On XX/XX/XXXX I received a letter from AMCOL systems attempting to collect this invalid debt.
-I drafted a letter dated XX/XX/XXXX disputing the validity of the debt with AMCOL I am also submitting this dispute on XX/XX/XXXX with evidence of the actions taken above in hopes of resolution. I have since moved residences and changed insurance companies due to a job change and this has complicated efforts to resolve this illegitimate collection attempt.
Company Response: Closed with explanation
2019-08-02
Phoenix, AZ
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: Company - XXXX XXXX XXXX Provided - XX/XX/XXXX I provided my health insurance, paid co pay and was never made of aware of any debt still owed after the service was completed until a collections agency contacted me XX/XX/XXXX in which my credit score decreased. I called and disputed the amount and the lack of statement/bill being sent to me and asked for proof of statements sent and request was not honored leaving my hands tied with a debt that could have been paid without sending to a collections agency.
XXXX XXXX then moved the collections to AMCOL Systems a collections agency. That company was also called and informed of the dispute and was not willing to assist in the debt or lack there of any statement being sent to me to verify the debt.
Company Response: Closed with explanation
2019-07-30
Shelby Township, MI
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Company Response: Closed with explanation
2019-07-14
NJ
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Complaint: My Daughter, XXXX XXXX, visited XXXX XXXX ( Part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX for routine vaccinations. She had XXXX XXXX XXXX XXXX XXXX at the time. There was a coding error between the doctor 's office and the insurance company which denied coverage for 2 vaccines ( {$150.00} and {$240.00} ). I started receiving bills from XXXX for {$390.00}. I discovered the coding issue and it was resolved in XX/XX/XXXX. At that time XXXX XXXX paid for the service. But I continued to receive bills for {$390.00} from XXXX. Every month I would receive a bill and every month I would call them and challenge it and tell them that they had been paid. I sent them the XXXX XXXX statement monthly to prove it was paid. But I still receive bills from them monthly. XXXX has now taken the step of referring me to a collection agency for a bill i do NOT OWE! I am at a complete loss as to what to do. I am stuck in a vortex of incompetence with XXXX billing department.
The attached documents show the bills from XXXX and the Collection agency with the description of charges ( Vaccines for {$150.00} and {$240.00} ) I also attached the XXXX XXXX statement that clearly shows on page 2 that these services have been paid.
Please make XXXX stop sending me these bills. Please try and reverse the damage a Collection Agency can have on my credit score.
Company Response: Closed with explanation
2019-07-12
Bedford, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response: Closed with explanation
2019-06-20
Cypress, TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation
2019-06-17
Quartzsite, AZ
Took or threatened to take negative or legal action
Debt collection: Medical debt
Threatened or suggested your credit would be damaged
Complaint: I received a debt collection notice from AMCOL in XXXX of 2019. I sent a letter to AMCOL requesting them to validate that I have a valid debt with AMCOL. AMCOL sent me a detailed listing of my healthcare procedures that had taken place with XXXX XXXX XXXX dated XX/XX/2019. I never signed any medical release granting AMCOL access to my healthcare information.
Company Response: Closed with explanation
2019-06-17
TX
Took or threatened to take negative or legal action
Debt collection: Medical debt
Threatened or suggested your credit would be damaged
Complaint: I have taken the liberty of typing up a letter outlining the dates and time. Here is a synopsis of what happen. I went to an urgent care facility that had been owned and operated as " XXXX XXXX XXXX XXXX XXXX '' this is also the signage on the building. However, at the time due to my illness I gave my insurance card to my brother in law and he filed out all the paperwork. Weeks later I get a bill from XXXX XXXX XXXX saying I owed them {$3700.00} dollars for the medical visit. I called my insurance company and the said XXXX XXXX XXXX was not in my network. I told them that it was not this company rather XXXX XXXX XXXX XXXX. Unfortunately they sold out to XXXX XXXX XXXX and no longer accepted calls from the public. Everything went through XXXX XXXX XXXX. Will my issue here is they needed to take the sign down before operating as XXXX XXXX XXXX XXXX, instead of giving the impression they were still an urgent care which would have been covered by my insurance. That said, I got no help from XXXX XXXX XXXX just a bunch of ping ponging me to different dept. So then I was told that they would work through my insurance carrier and help get this covered. Never heard any updates until Amcol reached out expressing that they were a debt collections agency and trying to collect now no longer just the {$3700.00} but also {$1900.00} for the primary doctor fees. At this point XXXX XXXX XXXX would not take my call as they said it was no longer being held as an in house debt.
Company Response: Closed with explanation
2019-06-01
Berthoud, CO
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Company Response: Closed with explanation
2019-05-30
Kingstree, SC
False statements or representation
Debt collection: Medical debt
Attempted to collect wrong amount
Complaint: IhaveneverhadanycommunicationwiththisAMCOL.Theyneversentmeanythingotcalledtryingtocollectadebtfromme.Ionlyknowofthisbecauseitwasreportedtothecreditbureau's.
Company Response: Closed with explanation
2019-05-20
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-05-18
TX
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened or suggested your credit would be damaged
Complaint: I received a letter saying that I have been placed with a agency for collection. Saying if I don't pay within 30 days they will report it to bad debt collection. I tried calling to find out what the letter was about and got a recording saying to leave my information and they would call me back then went to there website and my computer showed a promoted saying the website was not secure that I needed to back out of the website cause the website has been flagged as a scam. I have no idea about the debt in question and the letter does not explain what it is for either.
Company Response: Closed with explanation
2019-05-16
Dallas, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: I received a notification today that a collection was added to my credit report in the amount of {$1200.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Company Response: Closed with explanation
2019-05-16
Dallas, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: I received a notification today that a collection was added to my credit report in the amount of {$740.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Company Response: Closed with explanation
2019-05-13
Wann, OK
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: On XX/XX/19 I called Amcol systems Inc to try and resolve my debt. I was unaware that this debt was being sent to them by XXXX XXXX XXXX XXXX in XXXX, Oklahoma. I offered to make a monthly payment of {$25.00} until my debt was resolved. Amcol stated they would collect my payment, but would not report to the credit companies that any payments were being made unless the amount was at least {$59.00}. That is an unreasonable amount, as I am trying to make arrangements to pay off other debt as well. I would like this to be removed from my account if Amcol is not willing to work with me on the payment arrangement I can afford.
Company Response: Closed with explanation
2019-05-08
Mesa, AZ
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2019-05-08
San Antonio, TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: My daughter is on my medical insurance, but she is an adult who is responsible for her own care. I have verified with my insurance company that having her on my insurance does not leave me financially liable for care she choses to receive as an adult.
Furthermore, according to the debt collector my daughter provided the address of her mother, my ex-wife. So I have never received any notification or correspondence or requests to authorize treatment or pay a bill that I am aware of.
I paid one bill for her for care received in XX/XX/XXXX and now they're expecting me to pay another for care in XX/XX/XXXX. They did not remove the old collection claim against me, though it is marked as paid. And they have kept the second claim against me in my name. I should not have a collection against me at all : again, I did not authorize treatment, I did not receive a bill, and the person who did receive treatment is my daughter, an adult who is financially responsible for herself.
Furthermore, I've even tried to simply settle this on my daughters behalf, but the company says they can't remove a collection claim from my report.
The collection company is AMCOL systems.
Company Response: Closed with explanation