BCA Financial Services, Inc.

2019-12-01

Beech Island, SC

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2019-10-01

Jupiter, FL

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-08-27

Lionshead Lake, NJ

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-08-25

Augusta, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-30

Bath, SC

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-07-29

Verona, NJ

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-07-29

Berkeley, NJ

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-04-03

Allenwood, NJ

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Complaint: My debt account with a hospital has recently ( XX/XX/2019 ) been moved to a different debt collection Agency. I continue to receive threatening phone calls from BCA Financial demanding that I state my name, social security number, and demanding that I pay the balance of my debt in full over the phone by credit card or bank account number. My account is no longer with this company, BCA, which BCA confirmed when I called them again. BCA has no record of this phone call that was made to me on Thursday XX/XX/2019. Someone is calling me and claiming to be BCA.
Company Response: Closed with explanation

Timely Response

2019-03-31

Daytona Beach, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-01-21

Port Orange, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-01-06

Ocklawaha, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-12-31

Tampa, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: BCA FINANCIAL SERVICES INC IS HOLDING A COLLECTIONS ACCOUNT ON MY XXXX, XXXX AND XXXX CREDIT REPORT THAT IS NOT MINE. ACCOUNT NUMBER ; XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-12-10

Davie, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-11-28

Deltona, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-11-17

Milwaukee, WI

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-09-30

Las Vegas, NV

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: At the time of this debt I was/am a XXXX XXXX, only working XXXX XXXX. The XXXX XXXX XXXX XXXXXXXX XXXX bill was almost {$2000.00}. I called the hospital, spoke to XXXX XXXX, told him I could not afford to pay all at once. He said to pay just what I could. I also called the number on the hospital bill after speaking with him, and they told me at that time he did not work there anymore, but I could ask for help with the bill by filling out the charities form that I could get online on their Web site, which I did, and I mailed it Certified Mail, and received back the signature card from the post office that they received it [ I have copies of proof of mailing and receipt ]. I sent in everything they asked for. I waited a few months, did not hear anything, called back. It was at this time I was told they didn't receive it. I have proof they received it. My parents then said they would help me by paying the hospital {$20.00} a month on autopay from their checking account. I also have proof of their payments over the last six months. The last bill I received from the hospital said if payment has been made to disregard this notice, so I knew my parents were paying monthly on the account, so I disregarded that notice since a monthly payment was being made. The next correspondence I received just yesterday is from a collection agency. I have been making a good faith attempt to slowly pay off this debt and they sent me to a collection agency anyway. The starting bill was {$1900.00}, the bill from the collection agency shows the balance as {$1800.00}. These are the payments made : XX/XX/18 - paid {$25.00} ; XX/XX/18 paid {$20.00} ; XX/XX/18 paid {$20.00} ; XX/XX/18 paid {$20.00} ; XX/XX/18 paid {$20.00} ; XX/XX/18 paid {$20.00}. There was a scheduled autopay check that was to continue going out monthly until it was paid off, but now I have received this collections letter, which means the hospital sold this invoice to BCA Financial Services and it is out of the hands of the hospital. This is wrong and should be investigated.
Company Response: Closed with explanation

Timely Response

2018-09-28

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I recently learned that my personal information was used to open an account at your company BCA Financial. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.I have never heard from BCA Financial concerning a debt that they hold under my name. I have never done business with this company or had any obligation to pay them any funds. This account is a direct result of identity theft.
Company Response: Closed with explanation

Timely Response

2018-09-08

Bethlehem, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-08-28

Daytona Beach, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-08-14

Ponce Inlet, FL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-05-17

Ocklawaha, FL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: I would like to request for experience to send credit reports to all agencys who recieved or look up my credit report, as to there has been ALOt of hard inquiry not authorized by my on report I am in the process of disputing, I have medical bills from BCA Financial. The have ILLEGALLY and UNauthlrozed by myself exposed my medical records to another agencys without my approval which is covered by HIPPA. I want help, or advice to get off my record. BCA FINANCIAL SERVICES, It Ian illegal so send/expose my personal medical records to ANYONE or ANY business/agency! This collection has made it very difficult to progress my credit! Also, XXXX XXXX of XXXX has done the same thing!!!!!! Unauthorized by me and illegal! XXXX XXXX XXXX! I am going to look further into a lawsuit if they do not remove from my report! AS for hard inquirys that need to be removed as to I did not authorize these either, XXXX XXXX XXXX has multiple inquirys that I did not authorize, XXXX XXXX has multiple inquirys, XXXX XXXX, I have so many but I am going to start off with this complaint. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, and XXXX XXXX, these companies ALL have somehow gone on my report!!!!! And need to be taken off please!
Company Response: Closed with explanation

Timely Response

2018-05-10

Livingston, NJ

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-04-30

Daytona Beach, FL

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2018-04-19

Wallington, NJ

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I received a collection notice from BCA Financial Services , Inc. stating I owe {$85.00} to XXXX XXXX XXXX XXXX ( act # XXXX ). I never signed anything that reflected that I owe anything to XXXX. My husband is an employee of XXXX which recently acquired XXXX and our insurance fully covers us. XXXX used doctors that were not part of our health plan without our consent therefore we do not think we are obligated to pay this debt. This is a shady practice by both XXXX as well as the debt collection agency they hired. Last I checked all the valid medical expenses have already been paid by my insurance company.
Company Response: Closed with explanation

Timely Response

2018-04-11

Ocklawaha, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Complaint: This account was unauthorized. I am a victim of identity theft.
Company Response: Closed with explanation

Timely Response