Healthcare Receivables Group, Inc.

2019-11-19

Gastonia, NC

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
Company Response: Closed with explanation

Timely Response

2019-10-23

Charlotte, NC

Communication tactics

Debt collection: Medical debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Untimely Response

2019-08-24

Forest Oaks, NC

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-08-09

Greensboro, NC

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: I was looking for a female physician and got an appointment with Dr. XXXX XXXX at XXXX XXXX on XXXX XXXX, 2019. While making the appointment on phone I had asked for her rates. I was informed that the very first, initial visit will be {$260.00}. It will be just a meet-and-greet type event, but NO treatment. Doctor and I will talk and discuss my health, build a relationship/rapport, and then, based on our discussion, the doctor will suggest future treatments and office visits. However, after my visit, they billed me {$390.00} instead of {$260.00}. I spoke with their billing department ( XXXX ) a few times, but no help. They would tell me that the doctor 's office has billed this and they can't do anything. ( The billing department is in a different state, making it inaccessible to patients. Almost impossible to meet a human in person to resolve the matter. Looks like they intentionally wear out a patient into financial " submission. '' ) I also visited the doctor 's office a couple of times, the billing manager there informed me that my " initial meeting '' went over their allotted 15-20 minutes and that's why they billed me {$390.00} instead of {$260.00}. NOBODY ever told me that the " initial visit '' had a time limit. In any event, the doctor herself talked a lot about her immigrant life and her health, without informing me that her talk would extend the time period and I would have to pay for it. Furthermore, it is reasonable for a patient to think that the " initial visit '' WITHOUT any diagnosis would be charged at the flat rate of {$260.00}, and NOT at an unknown random rate based on time count. If my visit had been over in 5 minutes, would they have charged me less than {$260.00}? Of course, not. I have read online that many patients have faced exaggerated bills from this service provider through its parent company -- XXXX XXXX XXXX in XXXX, NC. I tried to resolve this on my own, but now I have received a notice from a collection agency that they have sent this bill for collection. If they had charged me the agreed amount of {$260.00}, then {$300.00} paid by my insurance would result in a credit of {$40.00}. In other words, I would NOT owe anything and would not have to face collection harassment. Their approach to promise something on phone and then bill something else ( while keeping the patient in dark or uninformed ) is a classic example of luring a patient ( kind of entrapment ) by offering a low rate on phone ( without any detail or warnings ) and then giving a sticker shock later. Very shrewd way of fleecing a patient. This is clearly a deceptive and unfair trade practice. Many patients like me would have suffered financially and emotionally by such a cunning way of doing business. Hope CFPB office will look into this nefarious practice. Thanks for all your help.
Company Response: Closed with explanation

Timely Response

2019-07-30

Riverdale, GA

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-07-09

Inman, SC

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-07-05

Friendship, NC

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
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-06-24

Seneca, SC

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: I only paid this is because I was under duress from my your company and I never exercise my right to validate this debt. My rights were violated by pressure I feel like you guys did not properly validate this debt I feel like I over paid you when I didnt owe you. Please DELETE this from my account. Only contact me through CFPB. Please attach Confirmation Deletion Request on your company letterhead showing this account has been deleted from my credit report.
Company Response: Closed with explanation

Timely Response

2019-06-21

Winston Salem, NC

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-05-28

Winston Salem, NC

Attempts to collect debt not owed

Debt collection: Medical debt

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

Timely Response

2019-04-29

Charlotte, NC

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: Fair resolution would be to have the derogatory inquiry removed from my credit file on the grounds of me trying to begin the homeowner process of purchasing and better understanding my credit from this life learned lesson. If the remark was removed it will assist me in this process of financial stabilizing my future as well as my families future.
Company Response: Closed with explanation

Timely Response

2019-04-24

Brentwood, TN

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: Healthcare receivables group, XXXX XXXX XXXX XXXX # XXXX XXXX TN XXXX. Was contacted about the alleged debt. Demanded validation and demanded they send me a written bill. They refused and reported it to credit reporting agencies. Don't know if I owe this debt since they won't validate but my credit score has dropped over 50 points because of this.
Company Response: Closed with explanation

Timely Response

2019-03-06

Ehrhardt, SC

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-02-10

Greenville, SC

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-01-15

NC

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: On XX/XX/2018 I contacted Health Receivables Group. I wanted to pay a XXXX medical debt on my XXXX credit report. When I contacted them, they also stated, there was another bill in their office for XXXX. So I paid both of these. They also had more medical bills from when I became XXXX, so I made payment arrangements of XXXX a month to come out of my XXXX every month. I contacted XXXX and asked them why this was on my credit report still and they stated I needed to file a dispute. The dispute came back I still owed the XXXX even though I paid it. So I called Healthcare Receivables Group up and they said they never said that. I filed two more disputes and they it came back I still owed that amount. I am enclosing the credit charge to show that I paid that. The payment in the photo attachment is shown under HRG. And it should be removed. I am also stating if I am paying XXXX a month on the bills owed, they should be showing up on my credit report for the other medical bills on my credit report. But, they are not reporting the amounts on my credit report that I am paying like the other collection agencies and this directly affects my credit report which I am trying to clean up even on a small limited income.
Company Response: Closed with explanation

Timely Response

2018-12-23

Karns, TN

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-11-25

NC

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I received a collection from healthcare receivables on my report. I have never heard from them. No contact. No 30 day letter to respond. Nothing. This is not mine. My husband went to hospital not me. He is XXXX XXXX. I am XXXX XXXX. How can this be mine. I would not like proof. Not a bill. But proof it is mine. My name has been changed to XXXX XXXX XXXX recently. Thats when I received this ding to my report. It is my culture to take my husband name. These people must send me a letter to ask if it is mine. I got nothing in my name.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2018-10-06

Lexington, NC

Incorrect information on your report

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

Account information incorrect
Complaint: On XX/XX/2018, HCRVGRP. ( Heath Care Receivable Group ) ( collection agency ) reported an inaccurate debt to all 3 credit bureaus. ( I do not owe the debt reported ) They were made aware this information was not correct and sent a delete letter to all three bureaus. I was told it can take up to 90 days for the inaccurate reporting to delete. The Information was deleted from all 3 within 30 days. Great right um no. The problem is on XXXX XXXX HCRVGRP rereported the false information to XXXX again causing my Credit score to drop. XXXX points. They have information from the original creditor acknowledging the debt is not owed. I called and spoke with HCRVGRP on XX/XX/18 I was told the would resubmit delete later to XXXX for the second time. Meanwhile, it can take up to 90 to fix the error once again. I'm currently in the home buying process and can not afford mistakes like this. This error put a major ding on my credit report and home buying process for the second time. Please help
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-29

GA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: Workmans comp claim paid and original company and I have provided supporting information to confirm information incorrect. Collection agency persists in verifying information to credit bureau. They have said for 6 months that they have tried to resolve but evidence shows they are verifying information to XXXX. I just received dispute results that confirms they are verifying this information despite knowing it is incorrect. XXXX is also verifying information they know to be incorrect.
Company Response: Closed with explanation

Timely Response

2018-01-17

Greensboro, NC

Incorrect information on your report

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

Account status incorrect
Complaint: I received a collection statement for an XXXX visit, dated XX/XX/XXXX. The first {$50.00} payment was made online on XX/XX/XXXX, and every month after that. Once the first payment was made, I never received an updated statement from the collection agency ; only confirmation that my payment was accepted. Each monthly payment since XXXX of XX/XX/XXXXhas cleared my bank account. When I looked at my credit score this week, I noticed that it had dropped significantly, and that Healthcare Receivable Group had charged off the {$1500.00} that was still due on my bill as of XX/XX/XXXX. The most recent payment was made on XX/XX/XXXX of {$50.00} ( online ) and cleared my bank account as of XX/XX/XXXX. I have yet to receive any notification or correspondence from this company, informing me of the balance, the charge off or of any type of judgement. I believe the balance left on this account is {$1400.00}. I can not look at this account online ; I am only able to make payments.
Company Response: Closed with explanation

Timely Response

2018-01-09

Greensboro, NC

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: HEALTHCARE RECEIVABLES XXXX Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Account Number : XXXX XXXX XXXX Credit Items HEALTHCARE RECEIVABLES XXXX Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX - XXXX Address Identification Number : XXXX Status : Collection account. {$880.00} past due as of XXXX XXXX. I never received any bill or notification stating anything was owed or due. I have requested copies of statements for amounts due to verify that I do in fact owe the balance and verify the debt is mine and again I have received nothing. I noticed that it was placed on my credit report and upon further research found that NC requires the agency to be licensed or registered with the secretary of state and found that they were suspended within the state and in violation. I would like this to be removed from all three bureaus.
Company Response: Closed with explanation

Timely Response

2018-01-03

NC

Communication tactics

Debt collection: Medical debt

You told them to stop contacting you, but they keep trying
Complaint: Healthcare Receivables Group constantly harrasses me. They call repeatedly from different area codes and continue to send mail to addresses that I have not provided them with.I have continued ton dispute with this company and requested that they not contact me. The state of North Carolina also requires collection agencies to be licensed and active in order to operate in our state. Healthcare Recievables Group is currently SUSPENDED in North Carolina with the Secretary of State and accounts listed on my credit report in the amounts of {$1400.00}, {$730.00}, {$310.00} and {$60.00} should therefore be removed from all credit bureau agencies immediately due to the non active status.
Company Response: Closed with explanation

Timely Response

2018-01-02

Greensboro, NC

Communication tactics

Debt collection: Medical debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2017-12-28

Greensboro, NC

Communication tactics

Debt collection: Medical debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2017-12-27

Greensboro, NC

Communication tactics

Debt collection: Medical debt

You told them to stop contacting you, but they keep trying
Complaint: Healthcare Receivables Group is consistently harassing me. The company has called from different area codes repeatedly every day for months, even after I have asked them to cease calls. They also send mail even after relocation to a different address that I do not provide to them. I have disputed against the company on numerous occasions and there has been no resolution. Upon further investigation, the state of North Carolina requires collection agencies to be licensed and active within their state. Healthcare Receivables Group is currently SUSPENDED with North Carolina 's Secretary State and should therefore be removed from all credit bureau agencies immediately due to a non active status.
Company Response: Closed with explanation

Timely Response