BCA Financial Services, Inc.

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

2018-04-06

Ocklawaha, FL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-03-08

Written notification about debt

Debt collection: Medical debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with explanation

Timely Response

2018-02-08

Golden Isles, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-01-25

Bath, SC

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2018-01-03

Ocklawaha, FL

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: I had accrued medical bills from a trip to the emergency room which ended up being transferred to the collection agency listed here : BCA FINANCIAL SERVICES,XXXX. Contact Information : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX, ( XXXX ) XXXX. When i contacted this company to pay my debts they assured me that paying them in full would result in them fully absolving the debt along with removing the delinquencies from my credit report and marking them as paid on time. The derogatory marks remain on my credit report and continue to hurt my credit. I would very much appreciate any action that can be taken to get the company to honor their agreement.
Company Response: Closed with explanation

Timely Response

2017-12-08

Key Biscayne, FL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Today XXXX/XXXX/XXXX was the second time i called this company attempting to pay off my debt to them and ask them if they could remove it from my credit score and they continue to not cooperate. If all they want is the money owed to them i do not understand why they do not just take it and remove the derogatory marks off my credit score. I am a XXXX XXXX XXXX student trying to get his life back on track and this debt i obtained when i was XXXX XXXX XXXX and needed XXXX is haunting me. I am currently working on trying buy my first property so having the best credit score i can is the best option to keep my interest rates low. All other companies that i owed agreed to erase the collection stamp on my credit and helped me out this is the only company that refuses to do so please help me.
Company Response: Closed with explanation

Timely Response

2017-12-08

Little River, SC

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2017-08-08

South Florida, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Complaint: Accts # XXXX Due {$30.00}, XXXX Due {$30.00}, XXXX Due {$30.00}, XXXX Due {$30.00} I have received your mailed in Medical Statements including PERSONAL HEALTH RECORDS of this individual. You are in direct violation of HIPPA. PLEASE ALSO ATTACH COPIES OF : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH Act ) as issued XXXXXX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2017-07-16

South Florida, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Accts # XXXX Due {$30.00}, XXXX Due {$30.00}, XXXX Due {$30.00}, XXXX Due {$30.00} These charges are inaccurate and ABSOLUTELY not mine. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX , XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Company Response: Closed with explanation

Timely Response

2017-05-30

Athens, GA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-05-18

Sarasota, FL

Incorrect information on your report

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

Account status incorrect
Complaint: The collection was paid to the company. Not the collection company
Company Response: Closed with explanation

Timely Response

2017-05-02

Plymouth, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: I have called since the begin of last year. XXXX / XXXX / XXXX was first call to them. I have called at least once a month to this comapny. I have sent certified mail to this company was sent back. I have email at least XXXX different email address. I have a attorney contacted them still nothing. This debit is not mine. I have ask numerous time to have this resolved.
Company Response: Closed with explanation

Timely Response

2017-04-13

Ocklawaha, FL

Communication tactics

Debt collection: Medical

Used obscene/profane/abusive language
Complaint: i got a call from XXXX the man said My Name : XXXX XXXX XXXX i said whos calling please he said No i need the last XXXX digits of your Social Security Number and then ill tell you who i am! I said NO you will tell me who you are and what company your calling from sir before I 'll release any information to you! he said NO i will tell you that after you confirm the last XXXX of your Social Security numbers! i said NOT happening your NOT getting my personal information, i do not know who you are and what company your calling from so tell me that please! He said again No mame i need you to confirm the last XXXX of your Social Securtiy numbers so i can confirm i have XXXX XXXX XXXX on the phone! I said NOT HAPPENING SIR. GOODBYE IM REPORTING YOU! i got very upset knowing this could be a identity threat call so i blocked the number and told my husband cause im elderly and XXXX both. my husband unblocked the number and called it back to see if someone would answer and he could find out who these people where harassing me for my social security number. they answered B.C.A. finacial services and told my husband this number we have for your call is XXXX XXXX and give us the last XXXX of her social to confirm its her! my husband said NOT HAPPENING thats illegal to not disclose who your calling for and your name sir and he told my husband it was a financial matter meaning a collections for a dept. well my husband told the man that he was reporting them. i looked at XXXX of my collections papers that 's all i owe as of now and i did have on for BCA financial services, Inc a debt collection company for {$75.00} but the numbers to contact them on their paper is XXXX or XXXX not the one that called me and this is for a old emergency bill for XXXX. original creditor. for XXXX there address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Florida XXXX im really concerned that someone can just call and ask for your social security number. he did said it was a recorded line. I got the call on my XXXX cell phone number. My other concern is that people who go into collections from that nice hospital here can have their identify information possibly stolen. Thank you for your help and concern in this scary situation. XXXX XXXX you can reach me at XXXX or XXXXXXXXXXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-31

Jupiter, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I have received attached collection letter. Hereby I attach my letter of XXXX of the alleged debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-21

Ocklawaha, FL

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: bca financial has XXXX accounts listed on my XXXX report that i have no knowledge of and have never recieved a dunning notice on. i sent them a letter 2 monthes ago requesting validation but never recieved a response
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-14

Golden Isles, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-24

Buford, GA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-18

East Rockaway, NY

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I am filing a complaint on BCA because they are reporting a collection on my credit report with the partial account number XXXX. This collection does not belong to me. My twin sister and me have the same name and obviously the same date of birth. I have disputed this account with the credit bureau and they have not removed it even though my social is not the XXXX reporting.
Company Response: Closed with explanation

Disputed: No Untimely Response

2017-01-04

August F. Haw, CA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-03

Hollywood, FL

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-20

Daytona Beach, FL

Communication tactics

Debt collection: Medical

Threatened to take legal action
Company Response: Closed with explanation

Disputed: Yes Untimely Response

2016-10-20

Colts Neck, NJ

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-05

Royal Palm Beach, FL

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-22

Jamesburg, NJ

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response