Commercial Acceptance Company

2018-01-14

Ridley Park, PA

Incorrect information on your report

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

Account information incorrect
Complaint: I never did business with Commercial Acceptance CO, they 're reporting inaccurate information on my report stating that i owe them XXXX dollars which i do n't recall borrowing from any credit card or any company. I really will appreciate if they take the negative item off my report, If they are n't able to remove this negative reporting that 's really affecting my family live, i will like them to provide full verification and contract that proof that i owe them this debt.
Company Response: Closed with explanation

Timely Response

2018-01-11

Erie, PA

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

2017-12-29

PA

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: This is the issue, then I will explain in specifics. I required ambulance service XX/XX/XXXX. I was admitted to the Emergency Room at XXXX XXXX XXXX XXXX in XXXX XXXX, Pa. XXXX. I had subsequent tests, XXXX, XXXX, XXXX, the following week. My point in telling you this, is all those hospital bills and testing bills were paid in full by my insurance XXXX. I have all the personal identification numbers, etc, if this is something you require later. I never received an ambulance bill from XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, Pa. XXXX ( XXXX ) XXXX ext XXXX " XXXX ''. Yesterday, XX/XX/XXXX, a debt collection agency contacted me. Commercial Acceptance Company at XXXX. XXXX has been very helpful, polite, professional with my case. Tells me I have a delinquent bill of {$2000.00}. I ask what the billing is for, my credit score is XXXX, I pay my bills, I 'm a XXXX XXXX and I worked hard to establish credit. The bill is from XXXX XXXX XXXX XXXX for the XX/XX/XXXX service. XXXX at Commercial Acceptance gave me all the information so I could start making phone calls.If this is not rectified by XX/XX/XXXX, it damages my credit report as a bad debt. She also put a hold on the accruing interest. The Ambulance bill is {$1400.00}. The collection fee is {$370.00} with the interest to date of {$130.00} for a total of {$510.00} in fees. That will not increase, as I the interest has stopped. First thing I do is call my insurance, XXXX XXXX. Always nice, always helpful. They never received the bill either from XXXX XXXX. Every other bill from the hospital was paid in a normal timely fashion. If I had seen a bill, I would have addressed it, if my insurance had received it, they would have paid the bill. Next I called the XXXX XXXX XXXX. I spoke to XXXX. The address, phone numbers, and insurance company for billing for me were all incorrect. This is where this issue starts. I asked where they got that information, upon delivering me to the emergency room they go to the hospital information desk, and take the my previous patient information. I have not been to that hospital since I was born, which was 22 years ago. I politely asked why they do n't verify that information, XXXX XXXX answer was " the ambulance ca n't stay, it 's how we do it, and it happens all the time ''. At that point I gave her all the correct insurance information, along with correct contact information. I understand the ambulance ca n't stay, and if this happens often, my thinking is you need a new system, which I did not say, she was polite, and going to " check into it ''. I also asked if I should call XXXX XXXX which is where they incorrectly sent the ambulance bill. XXXX was adamant, no. I thought that was odd. The next day, since this has me very concerned, XX/XX/XXXX, I started calling to double check things were corrected, and we were working towards resolving this. I called the collection agency, Commercial Acceptance first. Yesterday I gave them my correct insurance information, I wanted to confirm they indeed contacted XXXX XXXX, XXXX confirmed it was done. I called my insurance company XXXX XXXX to update them. I then called XXXX XXXX to double check if they had the information and were submitting the billing for services rendered on XX/XX/XXXX. I asked XXXX to repeat something, as I was taking notes. This seemed to upset her, and she asked why I was taking notes. I told her I am just trying to keep all the case facts correct to try to rectify this issue. I told her I did contact the incorrect insurance company XXXX XXXX XXXX they billed and I have the denial of service explanation of benefits, dated XX/XX/XXXX, addressed to them, which XXXX states she never received. She also stated she never received any " undeliverable, not known, unable to forward '' returned bills sent to the incorrect address with my name. She also stated she did not have contact with the collection agency yesterday, when they did indeed confirm contact. At this point, she just became irate and belligerent. Loudly explained to me, " it has only been 1 day, I have n't had the chance to speak to my office manager, these things take time ''. Well, they took the time to have a collection agency call me? I am working very hard to not have this effect my credit score, when all of this is not my fault, I remained polite, asked to speak to the office manager, I was told she was on another line. I said I would wait, XXXX stated it was going to be a long wait. I asked if the office manage would call me back, XXXX said yes, and terminated the call. I called back to ask if she wanted my phone number. I was on the phone with my insurance company when the office manager called back, she left an equally belligerent message. I called her back, unprofessional, rude, and condescending.And, I could not get her to give me her name. Now. The only thing I am trying to do here, is pay a bill that I, and my insurance company never saw. I guarantee, if either of us had received the bill, it would have been paid. If I have a bill, it gets paid, end of story .I do not want my credit score damaged which is what they are threatening me with for the extra {$510.00} in fees. This ambulance company, who acknowledged to making the mistakes, is in no hurry to make this right. I honestly do not feel the {$510.00} in fees they are adding on for collection services and interest should not be my responsibility or burden as I am a XXXX XXXX. I just want to pay my bill of {$1400.00} for services rendered and move on. Thank-you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-19

PA

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Complaint: The debt collector company XXXX XXXX XXXX has various collectors call me. One left a voicemail X/XX/17 around XXXX on my cellphone shared with my husband and daughter, naming herself XXXX in it. My husband listened to the whole voicemail that XXXX left for my debt. They also keep calling my work, where I have repeatedly told them they ca n't contact me here due to policies. The phone line is to be for my work to schedule reservations only. I told a woman this yesterday when she called and she once again called me again today at my work not too long before XXXX. I told her she needed to stop calling my job, that it is a business line and her repeated calling here could put me at risk for my job, she continued to ask if I was available to talk, ignoring what I just told her, to which I replies no I 'm not, goodbye. My job does n't have caller ID so I am unsure if they used the same number as when they call my cellphone. The collector calls 2-3 times a day and uses both my shared cell phone number and my work number to make those calls. I have told them the first time they contacted me that I was in contact with the medical company that I owe money to, the health insurance was billed incorrectly, they keep billing my old XXXX instead of my new XXXX, and until its corrected I only make payments on what I know I owe 100 %. It 's getting to the point I dread answering the phone lines at my job because a bulk of the time it 's the debt collector.
Company Response: Closed with explanation

Timely Response

2017-05-26

Ridley Park, PA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I have an account in collections that was opened on my credit report this month. The account is listed as " Commercial AcceptanceCompany '' and says the account was opened on XXXX / XXXX / 17 with a balance of {$1900.00}. I 've left multiple messages at the phone number XXXX but can never actually speak to a person and do not receive a call back. I did not open any accounts in XXXX of this year and have absolutely no more information on the 'debt ' which I believe is a fraud ulent one. I am frustrated and do not know how to proceed. My credit score has dropped significantly due to this. What can I do?
Company Response: Closed with explanation

Untimely Response

2017-05-23

Frazer, PA

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

Untimely Response

2017-04-27

Scottsdale, AZ

Communication tactics

Debt collection: I do not know

Called before 8am or after 9pm
Company Response: Closed with explanation

Timely Response

2017-04-10

Yeagertown, PA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: Received letter from a debt collector named commercial acceptance company for debt owed to my XXXX account that was in good standing, that I currently was not using and did not owe any debts or fees to and had my bank account froze as a result. Last I used my free checking account with XXXX was in XX/XX/XXXX 2016 which I made a deposit of just under 9.00 to my account. XXXX did not contact me about this alleged debt and I contacted them and I had no outstanding balance. I sent to the collector letter disputing the collections and asking for proof of debt but only recieved another letter saying it is going into collections and will affect my credit score because I " did not comply with their demands '' they also stated they required payment only by credit card by writing my card information on their form including my XXXX digit CVV code. I have not paid this company and have not contacted them since. I also had this show up on my credit reports and bring my newly good credit score down XXXX points which prevented me from being able to purchase a vehicle after being without one for 2 years. XXXX removed this from my report but XXXX still has not.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-15

TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: This debt collecting agency reported this debt to XXXX credit bureau and the debt was deleted per violating the FCRA as well as I did not owe this company. They have now reported this debt to another credit bureau without any legal rights to do so.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-12-13

Gloucester City, NJ

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I am writing this to dispute a collection with CAC XXXX x XXXX with XXXX bank XXXX for {$1900.00}. mid XX/XX/2016 I received a notice for the XXXX time with a name of XXXX as the rep. on XXXX I wrote to them disputing this debt. I have in interim received many calls and I have made return calls to this rep w/ no response. Today, XX/XX/2016 I learn they put this on my credit on XX/XX/2016 BEFORE I WAS NOTIFIED! This is against credit laws and I am writing to all agencies.They violated my rights in debt collection and credit reporting. Please investigate to remove.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-12-13

Gloucester City, NJ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I am writing this to dispute a collection with CAC XXXX x XXXX with XXXX bank XXXX for {$1900.00}. mid XX/XX/2016 I received a notice for the 1st time with a name of XXXX as the rep. on XX/XX/2016 I wrote to them disputing this debt. I have in interim received many calls and I have made return calls to this rep w/ no response. Today, XX/XX/2016, I learn they put this on my credit on XX/XX/2016 BEFORE I WAS NOTIFIED! This is against credit laws and I am writing to all agencies. they violated credit reporting and debt collection practices Please investigate to remove.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2016-11-11

Baltimore, MD

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-11-08

Beechhurst, NY

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2016-09-24

Fort Pierce, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XX/XX/2016 we closed a checking account at XXXX XXXX, XXXX, Pa. They charge {$10.00} to close, which we were not awaare of. Every notice unanswered cost us {$39.00} plus {$6.00} a day.t With penalties we now owe {$270.00}.! All our mail was forwarded but the USPO does not forward Bank mail. We did not know this, but I think the Bank must know it. We have excellent credit, and are very concerned about this. Please help..
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2016-08-31

Beechhurst, NY

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2016-08-24

Ashville, OH

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt was discharged in bankruptcy
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2016-07-15

Brooklyn, NY

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-04-21

Fountainville, PA

Taking/threatening an illegal action

Debt collection: Mortgage

Seized/Attempted to seize property
Complaint: I was told I was a cosigner for my brother but I never recieved any proof. Also if that is the case why did the collection agency process a wage attachement through proper procedures for not paying rent. They have his social security number, work place all the information they need to cllect from him instead I was harassed and I recieved no paper work. I am XXXX I have n't worked since XXXX XXXX, 2004 thst is the precise date I was XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2016-04-11

Chantilly, VA

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-03-16

Anderson Dam, ID

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2015-11-15

PA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: The debt was from an auto accident XX/XX/2010. I sustained injuries and the XXXX XXXX was called. I could not leave with the XXXX at that time because I was making arrangements for my totaled car and speaking to police. In PA we have the no fault law that medical bills due to any auto accident are submitted to your auto insurance carrier until the benefits are exhausted, then to your medical insurance. My auto insurance, XXXX XXXX, paid the allowable {$80.00} of the {$100.00} bill. The {$20.00} that was not paid should have been written off or submitted to my medical insurance. I spoke to the XXXX XXXX personnel several times and they told me they would correct the error ... .over 5 years later and still on my credit!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-10-24

Ridley Park, PA

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX XXXX has submitted XXXX inaccurate outstanding debts. I filed a dispute with XXXX. I have contact them numerous times for their " trip notes ''. What they submitted to XXXX and what the hospital claims on XXXX transport, are completely opposite. On XXXX XXXX, 2014, my home was burnt down. I did not call them, nor did I receive treatment. They never billed XXXX, which by law, they must do. They are billing me {$100.00} for showing up at the scene. The firefighters showed up as well, but they did something. I said I could n't have possibly called them because I was pulled out of my home while it was on fire. They stated, " Too bad, you are still responsible ''. I was appalled. For what??? Them to watch my loss??? On XXXX XXXX, 2014, they were called to my residence by XXXX XXXX Police. They stated that they transported me because I could not hear, although XXXX was billed for advanced XXXX ; incorrect. Again, no treatment was administered. Upon arrival XXXX, they stated that I was an XXXX was performed, XXXX but NO services were received or performed pertaining to my hearing. One date of service was either, never submitted to XXXX, because no services were performed, and the other was, as XXXX explained it to me, was billed incorrectly. Because the services stated were NOT received.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-10-07

Hagerstown, MD

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have established my credit over the last eight years and settle are open and confirm debits with all my creditors. However, I keep getting random collection letters from various companies claiming I owe some other company I have never down business with money. In this instance the company CAC ( Commercial Acceptance Company ) is claiming I owe a bank named XXXX XXXX in the amount of {$250.00}. I have never had a banking relationship with this bank or its subsidiaries. This collection agency does not provide any proof of debit or that they have the correct party, nor do they offer federally required disclosures with the notices they send.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-09-04

Fort Walton Beach, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed

Disputed: No Untimely Response

2015-06-18

West Brandywine, PA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Commercial Acceptance Co still has a debt balance of {$180.00} listed as an open account on my credit report, as of XX/XX/XXXX. The debt was paid in full XX/XX/XXXX.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response