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 3
2019-10-27
Houston, TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was result of identity theft
Complaint: I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-25
Palos Park, IL
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: I requested validation not verification on account number XXXX. I have received a response that clearly violates my rights according to HIPPA. ARS Resolution Collection Agency. Didn't not provide me a HIPPA release that release my medical information to them. Therefore by providing such information they are in violation of my HIPAA rights. I urge you to take this extremely seriously i will seek every legal remedy available to me. And file suit against the the credit bureaus who's also responsible for reporting bad information which is a Violations. As i have documented my case without any errors I encourage a response from you expeditiously
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-25
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
2019-10-24
Plymouth, FL
Communication tactics
Debt collection: Medical debt
Frequent or repeated calls
Complaint: I have been receiving repeated phone calls from Account Resolution Services. I received 12 calls on XX/XX/2019, 29 calls on XX/XX/2019, 12 calls on XX/XX/2019 and 9 calls on XX/XX/2019 and that is in the month of XX/XX/XXXX. I called XXXX at XXXX XXXX and asked to speak with a supervisor and was xfered to a voicemail. I called back at XXXX XXXX spoke to XXXX at ext XXXX who explained to me that they only called once and I asked about speaking with a supervisor then she begin to go through her script of debt collection. I understand there are laws regarding this. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-22
Palos Park, IL
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: I desperately need some help with resolving the situation st hand. I disputed these unknown accounts to the collection 's agency also the credit bureaus both are willfully of disobeying the law by currently reporting incorrect, and misleading information after several attempts, i received only verification of balances nothing was 100 % validate therefore im requesting that the CFPB enforces my rights by law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-22
Cleveland, OH
Problem with fraud alerts or security freezes
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-21
Palmerton, PA
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-21
Palmerton, PA
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-20
Phoenix, AZ
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
2019-10-20
FL
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: I checked my credit after being denied multiple times for a new auto loan. I noticed an account for ARS ACCOUNT RESOLUTION in the amount of {$96.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX XXXX XXXX. First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-19
Hialeah, 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
2019-10-19
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
2019-10-17
Okc, OK
Communication tactics
Debt collection: Medical debt
Frequent or repeated calls
Complaint: Am current on all medical provider bills, hospital bills, ER visits. Out of the blue ( XX/XX/2019 ) started receiving daily or more frequently automated phone calls with generic voice recording stating that I owe an unspecified amount of money. 1 hard copy letter came in mail, from HRRG ( Healthcare Revenue Recovery Group ) stating I owe {$210.00}, but provided no substantiation for this. Phoned my healthcare and insurance billing ( for both offices visits and hospital services 2 different billing offices ). My accounts show no outstanding amounts for anything, including emergency medicine. The amount HRRG is claiming is owed is fairly close to an amount ( grouped into a long list of other charges ) that was paid ( co-pay ) 6 months ago. Also, none of my providers, billing offices, or insurance can locate this so-called delinquent amount. I was, in fact, told to ignore it. I believe, given their poor reputation and high number of complaints ( e.g, bogus, scam ) that HRRG ( Healthcare Revenue Recovery Group ) is knowingly trying to scam money from me. They leave automated messages daily, from many different numbers. ( Ive blocked quite a few numbers at this point. ) I believe they are spoofing phone numbers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-16
Mims, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-16
Norfolk, VA
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-15
Norfolk, VA
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: Good evening, I have been disputing with a collection agency by the name of ARS Account Resolution. They have reported to XXXX and XXXX that I owe this medical bill in the amount of {$1800.00}. I do not know this company and have absolutely no obligations to this company. The company has been contacted numerous times in writing and by telephone stating the account information is inaccurate. I have certified letters that were sent to the company dating XX/XX/2019, XX/XX/2019, and my third letter will go out tomorrow as this will be another 30 days the company has refused to reply.
In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay ARS Account Resolution. As well as hey stated requesting a HIPAA Authorization with my signature. NO REPLY.
Also, I had informed them that any negative marks found on my credit reports ( including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if ARS Account Resolution can not validate the debt, they must request that all crediting reporting agencies delete the entry.
Again, they have not sent any evidence nor have they responded to any of my letters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-15
Jacksonville, 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
2019-10-15
Ft Myers, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: Tried to resolve this debt right after it was given to me. I am a XXXX Veteran and this debtor has not received payment from the Veterans Affairs for whatever reason. I gave the original debt collector the payment info but they continued to reach out to me. Now a US Appeals Judge has ruled in XXXX XXXX XXXX that the VA is indeed responsible for these debts at NON-VA emergency rooms etc. This debt collector needs to take this up with the VA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-15
Jacksonville, 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
2019-10-14
Hazelwood, WA
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
2019-10-12
Statesville, 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
2019-10-12
Middletown, CT
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: To Whom It May Concern, The reason for my dispute is ARS ACCOUNT RESOLUTION XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ARS ACCOUNT RESOLUTION failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ARS ACCOUNT RESOLUTION failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ARS ACCOUNT RESOLUTION is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see whereARS ACCOUNT RESOLUTIONis in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit reportARS ACCOUNT RESOLUTION has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-11
FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: ARS ACCOUNT RESOLUTION HAS multiple repeated reports on my credit report. It's for XXXX $ multiple times
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-11
Sebring, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I have attempted to resolve this via the credit bureaus and with ARS ACCOUNT RESOLUTI directly and I have yet to receive any form of validation for this erroneous entry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-09
Jupiter, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/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 XXXX 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 XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX 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