HCFS Health Care Financial Services, Inc

2019-12-16

Richfield, OH

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-15

Margate, FL

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-15

Plymouth, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-12

Atl, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-12

Aloma, FL

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened to sue you for very old debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-12

West Brandywine, PA

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-12

N Brunswick, NJ

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-12

Houston, TX

Incorrect information on your report

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

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-11

Lafayette Hl, PA

Problem with a credit reporting company's investigation into an existing problem

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

Was not notified of investigation status or results
Complaint: On XX/XX/2019, I sent a letter to ARS after they bought one of my medical collections, asking for validation of the debt they say I owe. According to the FCRA, which they must follow as collectors, they were to provide me with a list of information that was included in my initial letter. Instead, of responding correctly, they BROKE THE LAW and only sent me the creditor, account number, and the amount I supposedly owe. I am outraged that this company is not being upheld to the laws written out in the FCRA. I have attached my original letter and their response below.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-11

Miami, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-11

Brkn Arw, OK

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-10

TX

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened to sue you for very old debt
Complaint: Healthcare Revenue Recovery Group sent me a letter stating will obtain a copy of a judgement and mail you a copy if I dispute the validity of this debt or any portion thereof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-10

N Brunswick, NJ

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-08

Houston, TX

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-07

N Brunswick, NJ

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-06

Magnolia, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: I noticed two collections on my credit from ARS Collection agency. I disputed it because my insurance paid it. I requested validation from ARS and sent them proof that the account was paid by my insurance. ARS just ignored my request and dispute. They continue to report the errors on my credit file. It has been 90 days and they are still ignoring my requests.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-06

Mountain View, OK

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: This debt that ( I don '' t recognize ) has been reporting on my credit report. on XX/XX/2019 I drew up a request for validation form along with a returned receipt and certified it. a little over two weeks later ARS sent back a letter stating ' this is an attempt to collect a debt ' with just an account number and that I allegedly owe {$200.00} to XXXX XXXX XXXX XXXX. ARS failed to send me proper documents stating that I owe this alleged debt. still to this day they are still reporting this on my credit report and its hurting my score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-06

Key Biscayne, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: On XX/XX/2019 I received a collection notice from Account Resolution Services, stating that I owed a debt that I did not recognize and was informed I had 30 days to dispute the validity of the debt. On XX/XX/2019 I sent a debt validation letter, requesting information on the original creditor, including but not limited to -- name, address, amount owed, and a copy of the original contract. On XX/XX/2019, I received a response that I deemed insufficient. On XX/XX/2019, I sent another debt validation to Account Resolution Services, since I do not owe this debt. The responded XX/XX/2019, and again, the details they provided were inadequate. They have failed to provide sufficient documentation that this debt is mine, namely they have not been able to provide the original contract. I have contacted the three credit bureaus to dispute this debt and would like you also to be aware of their lack of cooperation regarding this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-04

Jupiter, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION 80815727 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-03

LA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-03

Edmond, OK

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-03

Cheektowaga, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-03

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-02

Oxford, GA

Incorrect information on your report

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

Personal information incorrect
Complaint: I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION ON FILE. PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX THE FOLLOWING INFORMATION LISTED NEEDS TO BE UPDATED ON MY FILE IMMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-01

Buffalo, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response