HCFS Health Care Financial Services, Inc

2019-09-25

Cooper 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

Timely Response

2019-09-24

Ft Lauderdale, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: While checking my credit report I noticed three collections by a company called ARS that i was unfamiliar with. I disputed these collections with XXXX, and XXXX and they both replied that they contacted the creditor and the creditor verified the debt so I asked for proof which both bureaus replied that they are not required to prove anything. I then mailed a certified letter to ARS requesting proof of the debts n the form of an original aggrement, or a proof of a right to the debt, or even so much as the process as to how the bill was calculated, to which I was simply replied a letter for each collection claim that listed my name an account number and an amount with no other information to verify the debts after I sent a clear notice to provide me evidence. Afterwards I recontacted both XXXX, and XXXX, to redispute on the premise that it is not my debt if evidence can not be drawn up, I feel as if I am being personally victimized by ARS on my credit report for debts that are not owed to them or any party for that matter, and I feel discouraged that the credit bureaus who control many aspects of my personal finances are so negligent about my information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-24

Lk Buena Vis, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Complaint: I have 3 Account on my credit and is not mine, Im call credit bureau and collection agency and they dont delete for about 2 years
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-23

Lk Buena Vis, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: Beginning of XX/XX/XXXX the collection agency ARS sent me information on a debt that I have repeatedly stated I do not owe. They are stating that they verified services were rendered but that did not confirm that these services were also actually covered through the finance committee of the hospital after determination my needing assistance. I have provided the confirmation of this through the letter that the Florida Hospital sent me. This letter shows the patient responsibility which is me as {$0.00} for services rendered on the date XX/XX/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

2019-09-18

Philadelphia, 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

Timely Response

2019-09-17

OK

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: Service date I'd XX/XX/19. Total balance is XXXX. HRRG is the company that keeps sending me letters. I have spoken to them letting them know this was a job related injury and I also spoke with the hospital on day of service letting them know this was a workman 's comp matter. I have called administration at the hospital. They told me they would send my ex employer the bill but instead they sent me the bill an now have collections sending me bills over and over. HRRG stated they couldn't do nothing about it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Untimely Response

2019-09-16

Cloverleaf, TX

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

Timely Response

2019-09-15

OK

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: At the end of XXXX this year, I went to the hospital and paid expenses up front for my visit. Later received notices for a physician bill I was unaware of until it was being handled by XXXX. The bill was for {$92.00} and it took a couple months for XXXX to verify the debt with me, so then I paid directly to them. I was also receiving calls from HRRG stating that I owed the {$92.00} physicians bill that I already paid, and I had never even received physical notice from HRRG that they were tying to reach out. I asked them why I havent received anything and they told me they mailed out a notice in XX/XX/XXXX and XX/XX/XXXX, then I asked them what my address on file was and she then told me they dont have one. Well I asked how they are supposed to notify people of a debt before its in collections if they dont send out letters, and she followed up with will you be taking care of this with debit or credit I explained that I already paid and she told me okay and disconnected. A few weeks later I received a call again to collect the debt so I called back and provided the exact date Id paid the bill to XXXX : XX/XX/19, and they told me theyd reach out to XXXX to confirm and if it was paid theyd stop their attempts to collect. Theyve called three times this week. They have no reason to call me and they continue to do so after Ive provided everything theyve asked for to verify that Ive paid the bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Untimely Response

2019-09-13

NJ

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: HIPAA VIOLATION : Collection Agent : ARS ACCOUNT RESOLUTION Provider of Service : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX**** According to a recent copy of my credit report ARS ACCOUNT RESOLUTION has been reporting an alleged debt owed by me, which is causing severe damage to my credit report.under the HEALTH INSURANCE PORTABILITY and ACCOUNTABILITY ACT ( HIPAA ) I am allowed to protect my privacy and medical records from third parties.I do not recall giving my permission to XXXX XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party I am not asking for a verification or validation of this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-11

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

Timely Response

2019-09-07

NC

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: A debt was reported on all of my credit reports from Account Resolution Services in the amount of {$730.00} open on XX/XX/2019. I sent a HIPAA authorization and a validation to this company on XX/XX/2019. They started calling me everyday, different times of the day after receiving letter. I also checked my state 's secretary and this company is not licensed in North Carolina to collect. They also sent me a bill for a hospital in XXXX, NY I have not been to nor does have my name as the patient seen at this hospital.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-05

OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have reviewed my Credit report and found several account unrecognized items from your office ARS # XXXX. I don't remember doing any business or having having a contract for services.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 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 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 is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where ARS is 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 report.ARS has not even tried to contact me regarding this 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

Timely Response

2019-09-04

Myrtle Beach, SC

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

Untimely Response

2019-09-04

Alafaya, 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

Timely Response

2019-09-03

OH

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: I received Emergency Care on XX/XX/2019 at XXXX XXXX XXXX XXXX. When the bill arrived, I applied for financial assistance due to poverty level income. I was granted assistance and received a letter dated XX/XX/2019 indicating that all services provided on XX/XX/2019 were paid and the accounts considered closed. On XX/XX/XXXX I received a statement from XXXX XXXX XXXX attempting to collect on services provided at XXXX XXXX XXXX XXXX in the amount of {$240.00}. I contacted XXXX XXXX XXXX XXXX XX/XX/XXXX after receiving the statement from XXXX XXXX XXXX and was told the account was closed and no amount was due. I contacted XXXX XXXX XXXX the same day and disputed the billing and asked for proof of debt. I indicated I had a letter stating the account was paid, and that I had contacted XXXX XXXX XXXX XXXX and was told I had a XXXX balance. I was told that because I was treated in the ER on XX/XX/XXXX, I owed the bill and was provided no further information why or where the bill came from. I again stated there must be an error and I wanted proof of debt owed. On XX/XX/XXXX I received a bill from HRRG for the same {$240.00}, after not having been provided any proof of the debt from XXXX XXXX XXXX. Fair Debt Collection Practices Act states that I have the right to obtain validation of debt information in order to ensure the information 's accuracy and I have been denied that right by XXXX XXXX XXXX. I was in turn passed on to a collection company instead of providing me with the information that I am due. I contacted HRRG to explain that I had already spoken with XXXX XXXX XXXX and disputed the debt. Again, I requested proof of debt, this time from HRRG, but was told there is no proof they can provide other than a duplicate of the bill I already have from XXXX XXXX XXXX. I would like proof of debt in the form of an itemized statement from XXXX XXXX XXXX XXXX, showing what items I am still owing for. XXXX XXXX XXXX XXXX is unable to provide me with that information, because they indicate my account is paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-03

Ft Lauderdale, FL

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Complaint: Im getting non stop calls of hospital bills from collection agency a.r.s they call from multiple numbers. When i told them stop harrasing me they started calling more frequently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-02

Bedford, OH

Written notification about debt

Debt collection: I do not know

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

Timely Response

2019-09-02

Cherry Hill, NJ

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: At the end of XXXX, the place where I'll been worked, close theirs doors after bankruptcy. I'll been looking desperate for a job with any sauced.I explained to the hospital my situation, they never told me that the hospital have a program for low or none people income qualification to pay off or portion of deb.Not to long ago I heard from someone else. It's sad that some people don't do their job in a proper way. XX/XX/XXXX, deb {$430.00}. XX/XX/XXXX, deb {$840.00}. I ask for Deletes To old Institution don't give me any help or orientation to help me with this debs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-29

Tampa, FL

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: I sent this company several letters asking them to verify this debt or remove it from my account. What they sent me back was just a letter with itemized charges that I allegedly owed. Theres no signed contract with my name or anything. That does not meet the federal trade Commissions guidelines of what constitutes proper debt validation! You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-27

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

2019-08-23

Dublin, OH

Attempts to collect debt not owed

Debt collection: Other 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

2019-08-22

Katy, TX

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

2019-08-22

Jacksonville, FL

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

2019-08-21

South Florida, FL

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: I start XXXX payments a Long ago and nothing is reflected and I start today an arrangement with them to pay bi weekly and is not reflected neither
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-21

Euclid, OH

Improper use of your report

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

Reporting company used your report improperly
Complaint: I am trying to rebuild my credit the bankruptcy on my report is holding my credit score down is there anyway to get it off ?? I have fixed all other problems that I have had in the past since then!! I try to keep up on all my Bill's now a days and iam very responsible and upstanding citizen. Thank you very much XXXX XXXX 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