HCFS Health Care Financial Services, Inc

2015-08-20

Tampa, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: Collection agency can not provide information regarding original office where services were rendered. I have paid all debts in relation to the hospital visit on XXXX/XXXX/13
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-08-19

Smyrna, GA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt resulted from identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-18

Gloucester City, NJ

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: RE ; XXXXOn XX/XX/XXXX I was admitted to the XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted my then insurance company XXXX as I worked for XXXX and I had 100 % XXXX. I contacted them and they said the explanation of benefits was sent and all claims for that date have been paid especially the one for XXXX at 100 %. They have now sold this debt to MULTIPLE COLLECTIONS AGENCIES. All of whom are threatening to enter onto my credit report. here are the agencies1. XXXX letter dated XX/XX/XXXX for date of service XX/XX/XXXX for XXXX ,2. ARS letter dated XX/XX/XXXX for date of service XX/XX/XXXX for {$1200.00} AND FOR DATE OF SERVICE XX/XX/XXXX for {$1200.00}. ALSO, ARS, is collecting the same two debts that ANOTHER agency is trying to collect on called HRRG. However, ARS was given these XXXX debts AFTER I spoke to HRRG on XX/XX/XXXX and advised the one date of XX/XX/XXXX was paid in full by my XXXX on XX/XX/XXXX as all claims for that date of service ( XX/XX/XXXX ) were paid on XX/XX/XXXX. AND I spoke directly to XXXX with HRRG on XX/XX/XXXX to clear up XX/XX/XXXX claim and made arrangements to pay XXXX month towards the XX/XX/XXXX date of service which i no longer had the same insurance. AFTER MAKING ARRANGEMENT WITH XXXX ON XX/XX/XXXX AND MAKING A XXXX PYMT THEY THEN TRANSFERRED BOTH CLAIM DATES AND AMOUNTS TO ANOTHER AGENCY ARS! Now ARS is trying to collect not only the one paid in full by my XXXX insurance, but also the one I made a XXXX payment on ( which is not reflected either ). And to make matters worse, I have called XXXX XXXX XXXX times now because I have arrangements with them for XXXX month but they now have added BACK ON XX/XX/XXXX for {$4900.00}!!!!!! I HAVE tried to straighten this out and multiple agencies are involved and XXXX XXXX is the one responsible for selling these debts to numerous agencies PAID or not paid. I do not owe ANYTHING FOR XX/XX/XXXXCould you please advise what I can do to straighten this out.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-18

Gloucester City, NJ

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: RE ; XXXX XXXX HOSPITALOn XX/XX/XXXX I was admitted to the XXXX XXXX Hospital in XXXX ( XXXX XXXX XXXX ) NJ. I contacted my then insurance company XXXX XXXX XXXX as I worked for t % he state and I had XXXX % hospitalization. I contacted them and they said the explanation of benefits was sent and all claims for that date have been paid especially the one for XXXX Hospital at XXXX %. They have now sold this debt to MULTIPLE COLLECTIONS AGENCIES. All of whom are threatening to enter onto my credit report. here are the agencies1. XXXX letter dated XX/XX/XXXX for date of service XXXX for XXXX ,2. XXXX letter dated XX/XX/XXXX for date of service XX/XX/XXXX for {$1200.00} AND FOR DATE OF SERVICE XX/XX/XXXX for {$1200.00}. ALSO, XXXX, is collecting the same XXXX debts that ANOTHER agency is trying to collect on called HRRG. However, XXXX was given these XXXX debts AFTER I spoke to HRRG on XX/XX/XXXX and advised the one date of XX/XX/XXXX was paid in full by my XXXX XXXX XXXX on XX/XX/XXXX as all claims for that date of service ( XX/XX/XXXX ) were paid on XX/XX/XXXX. AND I spoke directly to XXXX with HRRG on XX/XX/XXXX to clear up XX/XX/XXXX claim and made arrangements to pay XXXX month towards the XX/XX/XXXX date of service which i no longer had the same insurance. AFTER MAKING ARRANGEMENT WITH XXXX ON XX/XX/XXXX AND MAKING A XXXX PYMT THEY THEN TRANSFERRED BOTH CLAIM DATES AND AMOUNTS TO ANOTHER AGENCY XXXX! Now XXXX is trying to collect not only the one paid in full by my XXXX, but also the one I made a XXXX payment on ( which is not reflected either ). And to make matters worse, I have called XXXX XXXX 3 times now because I have arrangements with them for XXXX month but they now have added BACK ON XX/XX/XXXX for {$4900.00}!!!!!! I HAVE tried to straighten this out and multiple agencies are involved and XXXX XXXX is the one responsible for selling these debts to numerous agencies PAID or not paid. I do not owe ANYTHING FOR XX/XX/XXXXCould you please advise what I can do to straighten this out.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-18

Springboro, OH

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: Account Resolution Services ( ARS ) has been calling my cell phone on and off for the past six months in an effort to collect a medical debt that is owed by the person who was previously assigned to the cell phone number that I now have ; that cell phone number was randomly assigned to me by XXXX on XXXX XXXX, when I purchased my new cell phone from them. I do not know who that person is ( they are trying to contact ) nor his whereabouts. I have on numerous occasions asked ARS to stop calling my newly issued cell phone number, but they laugh at me and tell me to have a nice day. I have previously filed complaints with the cfpb, the OH AG 's office, and the DNC registry ; yet, ARS continues to call my cell phone number. For example, they have called my cell phone number five times so far this month - and, we are barely past mid-month. I am XX/XX/XXXX and consider these calls to be harassing and a form of XXXX abuse.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-15

Gamaliel, KY

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Complaint: I keep receiving calls from a company called HRRG and they ask me to verify my identity to continue the call. I tell them I 'm not giving that info out to a company I 'm not familiar with. They keep calling and telling me that I owe a number different than the medical provider that claims by insurance did n't cover their er visit. They 're somewhat rude and they hang up on me. I 've asked them repeatedly to stop calling me and it continues.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-10

OK

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: they put my sons collections on my report he has the same name.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-10

Cadwell, GA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: I found an entry on my credit report from ARS, a collection agency. I disputed with the credit bureaus and recently requested a validation of debt. The letter I received in the mail as validation of debt is not adequate as it does not give a place of service, service provided, or who the service was given to. It only has a date of service and an amount. I do not believe this account belongs to me and they have failed to prove that it does.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-08-07

South Florida, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: In XXXX, 2015 I entered a written dispute with ARS ACCOUNT RESOLUTION SERVICES reference account numbers XXXX, XXXX, XXXX and XXXX as contained on my consumer credit profile at XXXX XXXX XXXX. Specifically alleged, ARS ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said accounts were appearing twice on my consumer credit profile notwithstanding the allegation of a single debt owed. ARS ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ARS ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ARS ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of these accounts. A review of records compiled by the XXXX Financial Services in Florida indicates that ARS ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX XXXX XXXX is an unfair and deceptive trade practice. Several phone calls to ARS ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said accounts remain on my XXXX XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-07

Phoenix, AZ

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-07

South Florida, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: In XXXX, 2015 I entered a written dispute with ARS ACCOUNT RESOLUTION SERVICES reference account numbers XXXX and XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ARS ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said accounts were appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. ARS ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ARS ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ARS ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of these accounts. A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ARS ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. Several phone calls to ARS ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said accounts remain on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-05

Cypress, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-05

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-05

Rose Hill, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-04

Spring, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-03

Hialeah, FL

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-03

Tampa, FL

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: I have been awaiting debt validation from this company since XXXX 2014. I sent them a debt validation letter on XXXX/XXXX/14, however to date I have yet to receive any documents from them. I have sent a failure to validate debt letter to them too and still no response. The illegal thing is that they continue to report to my credit reports monthly since I have requested validation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-08-02

Cadwell, GA

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: I found this an entry on my consumer credit report from ARS. I have no idea what this debt is and attempts to have it verifified have been unsuccessful. In addition the debt reports with a balance of {$670.00} and a start date of XX/XX/XXXX on XXXX and XXXX, but reports from the same company with a balance of {$6500.00} on XXXX and a start date of XX/XX/XXXX. In addition it is listed twice on XXXX. This is unfair and illegal credit reporting. This company has failed to provide any verification of debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-07-31

Gloucester City, NJ

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-07-30

Gloucester City, NJ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: I contacted ARS on XXXX/XXXX/2015 to dispute an item they placed on my credit file. I sent them a dispute letter asking them to provide me with information on this debt with my signature agreeing to this debt. XXXX days went by, they sent nothing. According to federal law and the FDCPA they were suppose to remove this item. They did not. I then sent them a letter on XXXX/XXXX/2015 asking them to cease all communication with myself and XXXX, XXXX, and XXXX. They have failed to do that as well which violates The Fair Debt Collection Practices Act. If they contact myself or ANY of the XXXX Credit Bureaus regarding anything concerning me I will immediately contact FL Attorney General XXXX XXXX directly as well as file a complaint with the XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-07-28

South Florida, FL

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Complaint: This debt was due to an XXXX visit where I clearly stated I did not have insurance and was unable to pay the bill. I was treated for a XXXX, and was not advised that I would be placed in collections for my inability to pay. This amount should be discharged.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-07-27

Key Biscayne, FL

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Complaint: I was not supposed to billed for any of these medical debts. I am a veteran was never supposed to be billed for any of these medical bills ( there are XXXX from this company, another from another company ). The following copied from the department of veterans affairs website " XX/XX/XXXX, the U.S. Congress provided VA with authorization ( called the Mill Bill ) to pay for emergency care in non-VA facilities for veterans enrolled in the VA health care system. The benefit will pay for emergency care rendered for non-service-connected conditions for enrolled veterans who have no other source of payment for the care. However, VA will only pay to the point of medical stability. There are very strict guidelines concerning these types of claims. Veterans and their non-VA providers should be aware that these claims must be filed with the VA within XXXX days from the last day of the emergent care. " Civilian hospitals are required to notify the nearest VA hospital of an incoming veteran patient within XXXX hours from the time of visit so the VA can either make arrangements for the patient to be transported to the VA facility or to be notified that the veteran can not be transported and they can submit the billing to the VA facility. Each time I was taken to the emergency room whether from friend taking me or the ambulance, I told the medical person with me I was a veteran, some instances I was able to walk to the desk and check in, one time I was transported via ambulance, but that time I told the guy in the truck I am a veteran and even had on a wrist band from the VA hospital I was just leaving from ( I was in a car accident on my way home after a follow-up appt from the VA hospital in XXXX after having a XXXX and was nearly home when the car I was in was struck by a speeding vehicle, I never made it home instead I was taken to the nearest hospital in ambulance. So, about the bills, I never received any actual bills, instead close to a year after the car accident I received a call from a collection company and asked what bill, they gave me several bills I had in collections, I was not aware of any of them because I always thought the VA was billed initially. I explained to the collection company that I was not supposed to have been billed and they offered me to give the Department of Veterans Affairs info to pay the bills, when I called the VA they told me the bills had to have been submitted within XXXX days. I told the collection company that and they told me that I would have to pay then. They could not care less that I was not supposed to be billed. It has been years that I have been back and fourth with the hospital, collection company, other people the hospital tells me to contact. Nobody will man up and remove the bills from my credit. Instead every person I talk to, simply wants me to pay for someone else 's mistake. The staff I have spoken to are pretty rude for the most part as well, especially at the hospital. Please help me to find the responsible party, have them remove this, so I can get on with my life and my family. The billing dept from the hospital told me they did contact me via mail and provided a few date but they were not able to verify that I received their bills. They never made a phone call, the only people that contacted me was the collection company XX/XX/XXXX roughly. I called them several times since then but they have never contacted me, nor have the asked me to update my contact information when I call in, even after asking them what address and phone number they have on file.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-07-25

Gloucester City, NJ

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
Complaint: This company has placed a debt on my credit file about a debt that I know nothing about. I have contacted them regarding this matter numerous times with no response. They are being an annoyance to both myself and my family.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-07-24

DE

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: In 2010 I went to the emergency room. I gave them my insurance card and all pertinent information. I received a notice from my health insurance company that the claim was submitted but to the wrong address ( state ) -- it should have been submitted to PA. The insurance company sent them a letter DETAILING how to correctly submit the claim. I called and went over all the information again and explained their error. THEY RESUBMITTED TO THE WRONG STATE AGAIN. They were contacted again and the claim was NEVER RESUBMITTED. I have NEVER been without health insurance in my life. I have already disputed this on my credit several years ago and nothing was done except to put a comment " account in dispute ''. Thank you for all your help. XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-07-23

Plattekill, NY

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response