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 8
2019-07-03
Cherry Hill, NJ
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
2019-07-03
Ft Lauderdale, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: PLEASE FIND BELOW A " REDACTED '' COPY of MY INITIAL COMMUNICATION SENT VIA " CERTIFIED MAIL '' TO THE SUBJECT COMPANY : " ACCOUNTS RESOLUTION SERVICES ( ARS ) '' THE INFORMATION CONTAINED INCLUDES THE AMOUNTS AS WELL AS KEY ASPECTS OF MY ISSUES AND DISPUTES : I HAVE ATTEMPTED TO RESOLVE THESE ISSUES BY SENDING INFORMATION TO THE THREE CREDIT BUREAU 'S WITH LITTLE TO NO SUCCESS OR ANY FURTHER VALIDATION FROM SAID COMPANY OF SAID DEBTS AND HAVE NOW DECIDED TO SUBMIT THIS DISPUTE VIA THIS MEDIUM.
To : Account Resolution Services ( ARS ) A division of HRRG, LLC XXXX. XXXX XXXX XXXX, Florida XXXX XXXX Tel : XXXX Address Provided via Collection Listings : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Florida, XXXX Tel : XXXX MAIL RETURN ONLY ADDRESS PROVIDED : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX RE : Account name : ARS ACCOUNT RESOLUTION Amount : {$1300.00} Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXX Account name : ARS ACCOUNT RESOLUTION Amount : {$640.00} Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXX Account name : ARS ACCOUNT RESOLUTION Amount : {$1000.00} Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXXXXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXX Account name : ARS ACCOUNT RESOLUTION Amount : {$930.00} Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXXXXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXX Account name : ARS ACCOUNT RESOLUTION Amount : {$1300.00} Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXXXXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXX Account name : ARS ACCOUNT RESOLUTION Amount : {$870.00} ( DUPLICATE ) Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XXXX XXXX, XXXX Account name : ARS ACCOUNT RESOLUTION Amount : {$960.00} Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXXXXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XXXX XXXX, XXXX Account name : ARS ACCOUNT RESOLUTION Amount : {$870.00} ( DUPLICATE ) Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXX Please Note : The Above referenced accounts were taken As is from My XXXX Credit Report as reported by your company. All information utilized in referencing said accounts, including dates, references and/or account numbers ( partial or otherwise ) were duplicated as you have reported to said Bureau to expedite your firms identification and cross referencing of your records based upon the collection accounts that you filed.
SENT VIA CERTIFIED MAIL To Whom It May Concern : I learned of entries on my credit report alleging debts owed and being collected by your company. This letter is being sent to you in response to said and above detailed listings on my credit report ( s ) by your company. These accounts are unknown to me.
I am therefore requesting that you validate each of the above listed accounts reported by your company onto my credit file as accurate and belonging to me.
Additionally, please conduct a full investigation as required under Section 312 of the FACT ACT and respond in writing within the prescribed period of time.
To save time, please supply the following information for EACH account above, herein listed and referred to ( in whole or in part as per your internal records ) : The original creditor for EACH of these debts The amount claimed as owed for EACH of these debts Who owns EACH these debts if different from the original creditor?
Please send a copy of the contract authorizing you to collect on EACH of these debts.
What was the date of the first delinquency of EACH debt listed above?
Please supply all documents showing why you believe EACH of these debts are accurate and belonging to me.
Please supply the full payment history on EACH debt.
I would also like to request that no future telephone contact be made by your offices to my home, cell or to my place of employment. If your office does attempt telephone communication with me it will be considered harassment and I will take the appropriate action.
All future communications must be done in writing to the above address provided below my name at the top of this communique.
If you Can not prove that each or all accounts listed herein as accurate, belongs to me, and is not beyond their respective reporting period DELETE said reported accounts immediately from the credit bureaus and close these files in regards to Me.
PLEASE NOTE : If you should decide NOT to remove these accounts, then consider this as a request for validation and provide all information as requested above regarding Each of the listed bills. Specifically and as well as all documents showing the treatment and diagnosis and itemized medical services that were apparently rendered for EACH bill and/or debt. Also provide all information in your possession concerning EACH account.
I would like to further alert you to the following Legalities and Scenarios as it relates to your Inaccurate and borderline illegal attempts to attribute unverified debts to my persona to date.
( a ) I have already disputed said debts, some of which are DUPLICATES through the Three ( 3 ) Credit Bureaus namely, XXXX, XXXX and XXXX as well as the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX as of : ( XX/XX/XXXX ) and you have continued to report these Medical debts which are not mine without providing validation documents as is required by law.
( b ) I have also reported Identity Theft and at the time of receiving my Annual Credit Reports for XXXX and subsequently on numerous occasions thereafter as noted by each Credit Bureau whereby there is an active ( FRAUD ALERT ) Placed on each.
( c ) I have received correspondence from your company on XX/XX/XXXX and XX/XX/XXXX respectively ( For the same Debt Amount ) of {$870.00}, stating that you have validated said debts without providing me with any evidentiary documentation for such a claim.
( d ) I have also been advised that reporting Inaccurate Medical Data or Debts could very well exclude affected Individuals from seeking appropriate medical insurance and or employment and thusly have listed the timeframe which could be attributed to the loss of potential revenue, employment and affordable health care based upon your companys inaccurate listings.
( e ) I have been further advised that since you have apparently attempted to validate the above listed debts and included information that you are not allowed to have under HIPPA. You may have knowingly violated my privacy rights.
So, in this regard, if the aforementioned items are not Deleted or Verified in the manner requested from these reports I will have no choice but to file a complaint with the U.S. Health and Human Services Office for Civil Rights ( ORC ) and other state and federal authorities. If you immediately delete these accounts from reporting, I will consider this/these matter ( s ) closed.
( f ) Whether or not these reported items are deemed inaccurate or not, it should behoove you to know that Florida Law Statutes of Limitations for Medical and other Written Debt reads in part as follows : Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11. The limitations period begins from the date the last element of the cause of action occurred, ( 95.051 ). Almost all other actions fall under the 4-year catch-all limitations period, ( F.S. 95.11 ( 3 ) ( p ) ) .Please do the math and verify the dates of first reported delinquency for each of the Debts that you are attempting to attribute to Me.
REF : XXXX XXXX XXXX XXXX XXXX XXXX Confirm by mail your official response and position to this Verification Communique and that you have taken the requested action ( s ).
Sincerely, _________________ XXXX SSN : xxx-xx-xxxx C.C.
XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) SUPPLEMENTAL INFORMATION : FOR YOUR CONVENIENCE, I HAVE PROVIDED THE MOST RECENT AUDIT FROM MY CREDIT REPAIR LAW FIRM WHICH COINCIDENTALLY ALSO INCLUDES A RECENT DELETION FROM YOUR FIRM AS PER INACCURATE REPORTING : Note Date : XX/XX/XXXX XXXX XXXX Entered By : XXXX Note Title : XXXX Score XXXX Scores/Audit Done/GFE Updated Note Content : Hi, Your Current XXXX Score XXXX credit score are XXXX - XXXX XXXX- XXXX XXXX - XXXX XXXX XXXX XXXX XXXX incorrect address deleted from XXXX.
XXXX XXXX XXXX XXXX incorrect address deleted from XXXX.
XXXX XXXX XXXX XXXX incorrect address deleted from XXXX.
XXXX XXXX XXXX XXXX incorrect address deleted from XXXX.
XXXX XXXX XXXX IN XXXX** Un-Paid Collection deleted from XXXX.
XXXX XXXX XXXX IN XXXX** Un-Paid Collections deleted from XXXX and XXXX.
XXXX XXXX XXXX IN XXXX** Un-Paid Collections deleted from XXXX, XXXX and XXXX.
XXXX XXXX XXXX IN XXXX** Un-Paid Collections deleted from XXXX, XXXX and XXXX.
XXXX XXXX XXXX**** Un-Paid Collections deleted from XXXX, XXXX and XXXX.
XXXX XXXX XXXX**** Un-Paid Collections deleted from XXXX, XXXX and XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX** Un-Paid Collection deleted from XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX** Un-Paid Collection deleted from XXXX.
ACCOUNT RESOLUTION SERVI - XXXX**** Un-Paid Collection deleted from XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-07-02
Atlantis, 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
2019-06-29
Cleveland, OH
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-06-28
Gloucester City, NJ
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was result of identity theft
Complaint: On XX/XX/2019 I received a bill from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Ohio XXXX. The bill was for an emergency department visit and XXXX at the XXXX Hospital by XXXX XXXX XXXX, MD. It stated that my son received the services XX/XX/2019. My son does not reside in the United States. I researched XXXX XXXX and found them to be a scam. I ignored the bill. They sent another bill a month later but then stopped sending them.
On XX/XX/2019 I received a bill from Healthcare Revenue Recovery Group ( HHRG ) XXXX XXXX XXXX XXXX, Florida XXXX. This bill shows the same service and cost as the one from XXXX XXXX. Interestingly enough, the payment would be mailed to the same address as XXXX XXXX : XXXX XXXX XXXX XXXX, Ohio XXXX. I researched HHRG and also found them to be accused of scams. I ignored the bill.
I received another bill from HHRG on XX/XX/2019. At this point I started researching what to do about this problem. Then, on XX/XX/2019, I received a call from HHRG. The call registered as a local number on my caller ID. The representative did not identify themselves or the company until after I insisted. Then the person attempted to obtain personal information regarding my son and myself. I refused to provide information and told the person that I researched their company on the internet and with the XXXX and that this was a scam. I went on to say that the individual stated in the bill receiving services was not even in the United States and that the physician providing the said service did not work for or with the hospital that supposedly provided the service. Then, I went on to tell them to stop sending me bills and calling. The person then disconnected the call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-28
Okc, OK
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: I requested the validation of debt with ARS. I recently received a letter back stating that they contacted their client and they verified the debt. And at the middle part of the letter, they listed out the debt, provider, amount of the bill and the date ( which clearly shows that the debt is out of the statute of limitations to collect.
The does state that they will continue to report as delinquent on my credit report. The funny thing about this debt, Is I don't know any more about this debt and this collection company re-age it, so it looks like a brand new collection on my credit report!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-27
South Florida, FL
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: Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks!
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
ACCOUNT NAME : ARS ACCOUNT RESOLUTION, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
ACCOUNT NAME : XXXX XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX.
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX ..., REPORTING ON : XXXX, XXXX AND XXXX,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-24
South Florida, 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
2019-06-24
Austin, TX
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
2019-06-22
Palos Park, IL
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
2019-06-21
Baton Rouge, LA
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
2019-06-21
Galena, OH
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX : Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill XXXX or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO XXXX XXXX XXXX Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-21
South Florida, FL
False statements or representation
Debt collection: Medical debt
Attempted to collect wrong amount
Complaint: Opened : XX/XX/2019 ( 3 mos ) Account status : Open Type -- Responsibility : Individual Remarks : Placed for collection Original creditor name : XXXX XXXX XXXX {$1000.00} Reported balance.
Theres two collections of the same amount. I went through XXXX to dispute the accounts but no change. Then I recieved a letter of medical fraud taken place on my information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-21
Northbush, NY
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: I was hospitalized for a foot operation and went to rehabilitation center to walk again. I was never notified of this bill for {$230.00} until it showed up on my credit report. The disputed dates were in XXXX of 2018. I had both Medicaid, Medicare XXXX XXXX and XXXX, a LTMC ( Long term medical coverage ) I don't know who these people are or what this {$230.00} is for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-20
Jupiter, 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
2019-06-15
Chalfont, PA
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
2019-06-12
Clayworks, IA
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
2019-06-11
Edenton, 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
2019-06-11
WA
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Complaint: I had full medical at the time of my service and they didn't charge my medical but decided to bill me instead
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-11
West Brandywine, PA
Took or threatened to take negative or legal action
Debt collection: Medical debt
Threatened or suggested your credit would be damaged
Complaint: In XXXX of XXXX I was taken via ambulance to XXXX Hospital Subsequently i had numerous XXXX and was hospitalized until XXXX of XXXX. I had insurance which covered everything including the ambulance ride to the hospital. I received an invoice from XXXX XXXX XXXX XXXX Pa a few weeks later. I called my insurance company. They stated the above mentioned company incorrectly coded the billing, therefore it was rejected. I then contacted by telephone XXXX XXXX XXXX and notified them to rebill and correct the code. None of which was done. This credit account was subsequently sold to Account Resolution Services with an erroneous date of XX/XX/XXXX. I have disputed this medical invoice now for 5 years with no luck. Today i also filed a new claim with XXXX disputing the servicing dates.
Account Resolution Services will not clarify or correct the dates of service/date of actual billing This account is now 8 years and 30 days on my account which is against FCRA Requirements.
I would like this bad debt/medical debt to be removed from my credit report as it is the only negative remark on there.
Sincerely XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-11
Cols, GA
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
2019-06-10
El Paso, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I have requested multiple times for this account XXXX to be investigated properly with the original creditor and I'll I get is a response that the " data furnisher '' has verified the account. Yet the account being reported does not have any information on who the creditor is? Contact information? On some of my request I have asked who and how the account was verified to make sure it was not dont through what is known as the XXXX system or similar to it which does not constitute proper validation. I have also requested if the Reporting Agency XXXX has HIPPA release to hold such information since it is a medical account and again have failed to provide such, I will also follow a complaint with HHS.gov
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-10
Oxford, GA
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Complaint: Contacted a representative on XX/XX/XXXX regarding a letter received about a bill previously paid more than 2.5 years earlier. Informed rep bill from XX/XX/XXXX was paid in full on XX/XX/XXXX, confirmed by their records. Asked for explanation why adjustment was made on account that created new balance as of XX/XX/XXXX. Rep could not explain, advised to contact insurance. I stated wanted to dispute balance while reviewing with insurance, rep said to send letter but I declined as the letter received stated could call to dispute. Rep stated she would note file, then Rep disconnected call. Received new letter and contacted again on XX/XX/XXXX. Reviewed entire situation again with " XXXX ''. She advised I would need to send EOB showing balance paid, after I asked for explanation why there is a balance after it was paid 2.5 years ago. She could not answer, became patronizing, then hung up the call without providing requested information.
HRRG continues to call daily despite efforts to inform them this is an administrative issue where I have the documentation that the bill was paid over 2 years ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-06
Orlando, 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
2019-06-06
Magnolia, TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: XX/XX/16 {$1900.00} Not my debt.Have written the collector numerous times since I noticed on my credit report with no results. They have never verified this is my account to pay XX/XX/16 {$1700.00} Not my debt. Have written the collector numerous times since I noticed on my credit report with no results. They have never verified this is my account to pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation