HCFS Health Care Financial Services, Inc.
Consumer Complaints
There are over 1642 complaints on file for HCFS Health Care Financial Services, Inc.. Dated between 2019-12-16 and 2013-07-10.
Complaints Page 10
2019-05-14
Trenton, NJ
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: XXXX XXXX XXXX has 11 accounts totaling of {$8000.00} on my credit report for my soon from XXXX my son had nj family care Medicaid at that time and I cant even check with Medicaid to confirm the dates because I have not had custody of my son they cant even speak to me. My son has been in his fathers custody. This information is on my credit report I attempted to solve this issue with XXXX and they told me to work it out with the father so he can help me pay the debt the father has a restraining order on me and I can not work anything out with him. I am disputing this and will get a lawyer if this is not removed. I will be filling a police report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-13
IL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: i have requested XXXX company to produce any legal document that has my name instead they keep sending a statement with a third party name and reporting it on my XXXX XXXX Report and after numerous attempts and letters I only get a statement with a third party name and nothing Im requesting from them if XXXX can not produce any legal papers with my legal name with my signature they must remove this item from my reports ASAP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-13
TN
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: I'll provide as much information as possible to make my story clear. My name is XXXX XXXX. On XX/XX/XXXX, I was admitted to the ER and was treated and discharged the same day. I have insurance with XXXX, and I was later billed. I received a bill on or around XX/XX/XXXX from HCFS Healthcare Financial Services. The bill shows the following : ER Visit, Provider : XXXX XXXX XXXX, MD, debits {$500.00} on XX/XX/XXXX. The bill also shows " contractual adjustment '', a credit, of {$420.00}. This appears to be the medical insurance covering a portion of the bill ( XXXX is my medical provider ). The remaining amount due was listed as {$79.00}. I prompted paid the bill with my Health Savings Account ( HSA ) on or around XX/XX/XXXX, with a confirmation number of # XXXX. I assumed the debt was settled in full at this point.
Approximately 2 years later, I am notified by my parents that they received a threatening letter stating that they ( HRRG, to be later named below ) would proceed with judgement ( lawsuit ) if I did not settle or dispute the debt within 30 days. This letter was dated XX/XX/XXXX, approximately 2 years after the debt was paid in full ( in my opinion ), without me being noticed of any subsequent action taken by either the insurance company, the hospital, the doctor, or any other party.
I contacted the company Heathcare Revenue Recovery Group, LLC ( debt collector, also referenced above as HRRG ) on XX/XX/XXXX via my cell phone at approximately XXXX XXXX EST. I spoke to an individual that refused to accept my documents related to the bill I had paid and continued to threaten legal action. I requested a supervisor and discussed my documents and understanding of the bill calmly with her. She advised me to send in the documentation and they would review and return my phone call if any further action was needed. I explained that I would pay the bill, if they provided me a document showing why I owed the amount, and why it was different from the bill I had previously paid. We ended the call with my assumption of the debt being settled unless I heard back from them.
I was not contacted again by the company until XX/XX/XXXX at approximately XXXX XXXX EST, where an individual began the same type of conversation about the debt and he explained that they ( HRRG ) have sent all the necessary documents, but would not reveal where they had been sent. I have only received the original bill ( mentioned in the first paragraph ) and the final demand letter, which threatened judgement ( mentioned in the second paragraph ). The individual explained that they would send me a letter ( showing the justification for the debt ) within 5-10 business days, which is something that I requested almost 30 days ago ( on XX/XX/XXXX ). I do not feel that I owe this debt, I feel that this debt is not valid, furthermore I feel that 30-40 days is an unreasonable due diligence timeline for a debt collection company ( HRRG ) that falls under regulation by the Consumer Financial Protection Bureau ( CFPB ).
If the company has already sent the document showing the adjustment, it should only take minutes to reprint and send to me. To which I would expect to see the date of the alleged adjustment and justification for the difference in the discrepancy of the two bills. To advise a consumer to wait an additional 10 days, leaves me further worried that they will stall in sending the validation letter in order to proceed with judgement. I currently have no debt with any individual or company and a well above average credit score. I feel that these threats made towards me are unwarranted and unjustified. I will gladly settle any balance owed, if I can validate the money owed is in fact due to an insurance adjustment, that I will need to validate with the company, XXXX.
Thank you for your time and investigation into this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-11
Fort Lauderdale, FL
Written notification about debt
Debt collection: Medical 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
2019-05-09
Carol City, 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
2019-05-09
Scottsdale, AZ
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Complaint: XXXX has a collection account on my XXXX credit report that was paid back on XX/XX/2016, I went to dispute this item to remove it from my credit report it came back not paid so I went to dispute this with them asking for them to prove that they own the debt to send me purchase agreement with a bill of sale or signed agreement with the original creditor then I ask for them to send me prove that I owe the debt like signed document they failed to comply to my request. I send them two certified letters and refuse to take it off my credit report. and they changed the account on credit report too.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-09
Attempts to collect debt not owed
Debt collection: Medical 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
2019-05-08
Atlanta, GA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: There is an issue with an old account that is reporting on my credit report that should not be there. I had an issue with an account that was related to an injury that happened in 2010, yet it is still reporting on my credit information. I have tried to investigate this with both the company ( XXXX ) and XXXX, yet there is an issue with this STILL showing on my credit report stating that I owe {$130.00}. This needs to be removed off my credit report, yet it is still showing up. All that I ever receive is these notices from XXXX stating that I owe this money that I do not owe. This is way past the statues of limitations regarding it showing up on my report. This alleged debt is over 9 years old, yet there is nothing that I have gotten from them that validates that this is correct debt. I had insurance at the time and this needs to be removed. I have sent SEVERAL requests to have this validated and still nothing has been resolved. This needs to be removed from my credit report at once.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-06
Bratenahl, OH
Written notification about debt
Debt collection: I do not know
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
2019-05-05
Jupiter, FL
Took or threatened to take negative or legal action
Debt collection: Medical debt
Threatened or suggested your credit would be damaged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-02
Hot Springs, AR
Attempts to collect debt not owed
Debt collection: Medical 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
2019-05-02
Baton Rouge, 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
2019-05-01
Tampa, FL
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: I have been asking this company to send me copies of the original Medical bills, with my signature and amount date of service to verify this is my account since XX/XX/XXXX this agency has continue to not to provide this information. I have sent several certified letters requesting validation an they will not provide me copies of my original bill however they sent a letter stating they verified the debt. The company continue to verify the debt with all three credit bureaus which has cause mean to have credit issues regarding these medical bills. I have contacted them in XX/XX/XXXX by phone and was told they can't provide me the original Medical record an they refuse to remove this information, they are a third-party company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-30
Jacksonville, FL
Communication tactics
Debt collection: Medical debt
You told them to stop contacting you, but they keep trying
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-29
Charlotte, NC
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
2019-04-29
AR
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Complaint: First of all I went to the hospital because of intense stomach pain, I had medicaid so it should have been covered.The original place was XXXX XXXX XXXX XXXX. The dates they had at XXXX XXXX XXXX did not match the date of the debt and I tried to sort everything out but it had already been a long time to find out why it didn't get covered as they said.I finally made an agreement with XXXX XXXX XXXX and they told me they would take it off my record if I paid an amount of XXXX on XXXX XXXX and not the XXXX as long as I made the payment that day.They lied and never took it off instead they sent it over to a different collection company I believe XXXX, still for the same amount of XXXX. I tried to dispute this but nothing was resolved.I have the receipt they sent me in my e-mail and I have proof in my bank account statement that they did get the money. Please look into this, I'm a single mom of XXXX kids and I was just trying to do the right thing and pay it this was a very big sacrifice for my family to pay that amount of money only to be robbed by them. Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-27
Houston, TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: I have an account on my credit from XXXX # XXXX in the amount of {$1400.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-27
Houston, TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: I have an account on my credit from XXXX # XXXX in the amount of {$970.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-27
Columbus, OH
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: I am filing this complaint in response to your letter or phone call dated XXXX # XXXX, XXXX XXXX XXXX. I do not believe that I owe this debt or what you say I owe.
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account.
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense.
You can not add interest or fees except those allowed by the original contract or state law.
Any attempt to collect this debt without validating it violates the FDCPA.
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA.
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-26
Hollywood, FL
Written notification about debt
Debt collection: Medical 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
2019-04-26
Houston, TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: XXXX has been trying to collect debt that does not belong to me i have requested proper validation and which XXXX has refused to give me all they say its verify well i have a right to see what they call verify they have failed to provide me this information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-26
Portland, OR
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: I was contacted by XXXX XXXX XXXX about a debt collection from charges allegedly originating on XX/XX/2018, when I was seen in an emergency room in XXXX XXXX. Their letter arrived one year after my visit and referenced an account with XXXX XXXX XXXX XXXX XXXX ( # XXXX ) for {$1100.00}. I never received even a single bill from this company. They are completely unreachable by phone, as I have made numerous attempts to acquire my original bill so I can pay the debt collectors if the money is indeed owed. XXXX provided me with no additional contact information.
Over the past year, I have paid numerous providers in relation to this medical event, without issue. I have excellent credit and have never once missed a bill payment in my life. I can not believe it is legal for a company to contact me out of the blue with zero proof of a bill and demand a large sum of money. If they had simply provided me with ANY information, I would feel better about paying this money. However, their total lack of information leads me to believe I do not actually owe and this is some kind of scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-25
Ridley Park, PA
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
2019-04-25
Lutherville, MD
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
2019-04-25
TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: On XX/XX/18 I certified mailed a Validation of Debt Letter to XXXX in relation to a debt collection I received. XXXX failed to respond with the information as is required by the FCRA. They then put several accounts on my credit report.
These actions are illegal according to the FCRA and I am demanding that all items be removed from my credit report as well as a check to be written to me in the amount of {$1000.00}, as is required by the FCRA for this illegal offense.
Company Response: Closed with explanation