Medical Business Bureau

2019-11-14

Alafaya, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-10-22

Palos Park, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-09

Palos Park, IL

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: There are two debts on my credit report that I am unable to discern exactly what the debt is for or who it is from? It is medical it seems. I have and had two ( 2 ) insurance companies. One paid health plan and the other is Veterans Administration and surely covers all emergency related costs. Was a claim denied? Please provide evidence. What is the original invoice and for what. Both debts are within 100 dollars of each other and filed on the same day? Are they duplicates? Please advise
Company Response: Closed with explanation

Timely Response

2019-09-26

Lk Buena Vis, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: I was contacted on XX/XX/2019 by Medical Business Bureau ( MBB ) about two medical bills. I had previously contacted the creditors when I received their bill and informed them that my insurance company was still processing their claim. I was about to board a flight to my country as I am a XXXX XXXX in the USA. I explained to the agent that my insurance company and processed one account and the other was still being processed by them. I requested that MBB contact XXXX XXXX XXXX XXXX to get an update on my file. I explained that I was leaving the country and that I would contact them upon my return. The agent told me they would make a note on my account. When I returned on the evening of XX/XX/XXXX, I found a collection notice dated XX/XX/2019. On XX/XX/XXXX when I returned to the USA, I called the collecting agency and told them that one bill was paid on XX/XX/2019 and the other was still being processed based on the Explanation of Benefits ( EOB ) from my insurance company. The agent told me that I needed to mail the EOB 's to them and that if the debt was not settled by XX/XX/XXXX it would be reported ro the credit bureau. I asked how can you be putting a collection on my credit report when my insurance company has not completed processing the claim and they are responsible for paying the bill? I requested an email address to send the EOB to but was told it had to be mailed in, they do not use email. I mailed the EOB 's of the paid claim and the one that showed pending to them on XX/XX/2019. On XX/XX/2019 I called MBB again informing them that the second claim was now processed ( XX/XX/2019 ). I told them I was mailing the EOB to them. Last night ( XX/XX/2019 ) I checked my credit via XXXX XXXX and see both bills being reported as collections!!. I disputed both collections recorded with XXXX and provided the EOB for both bills showing that the insurance company paid both bills. This morning ( XX/XX/2019 ) I called MBB to ask about it and was told that they only have the EOB showing the bill that was paid and the one showing that the other bill was pending. I told them that the completed EOB for the next claim was mailed to them over two weeks ago. They have not even contacted XXXX XXXX XXXX XXXX to update my account. Even though they confirm that they received the first EOB showing one payment, they still reported it as a non-payment to the credit bureau. When I asked about this, the agent told me he would remove that one!! Isn't this dishonest? I told him that I sent both EOB 's confirming that the insurance company paid and that I wanted both removed or I would contact a lawyer. Medical Business Bureau should not be reporting collections to the credit bureau without the correct information!
Company Response: Closed with explanation

Timely Response

2019-09-25

Wonder Lake, IL

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: On XX/XX/XXXX, They opened a collection of {$420.00} without giving me any information. Also, on XX/XX/XXXX, they opened a second collection of {$400.00} which I do not know. Those collections ate up my score years and years without letting me know till I have a XXXX XXXX account. Please help me to remove those derogatory marks?
Company Response: Closed with explanation

Timely Response

2019-09-22

Plymouth, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: XXXX XXXX {$58.00} I already paid this debt off last week confirmation number XXXX {$240.00} and amount paid it was paid on Monday XX/XX/2019 please remove this from my credit file Thank you
Company Response: Closed with explanation

Timely Response

2019-09-18

Bellwood, IL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-09-14

Bellwood, IL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-09-02

Chicago, IL

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

2019-07-21

Palos Park, IL

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: Under the Fair Debt Collection Practice Act, Medical Business Billing did not afford me the opportunity to validate or dispute a debt by not sending the appropriate statement via United States mail to my home address. There has been no verbal contact with this company until I made contact, speaking to XXXX, XX/XX/XXXX. Through credit monitoring, I received notification of a negative collection item by Medical Business Billing for {$100.00}. Medical Business Billing had never contacted me ; in fact, the account was with XXXX for {$150.00}, yet XXXX called doing the time XXXX had contacted me for payment and {$55.00} paid to XXXX, leaving balance of {$100.00}. Upon calling XXXX XXXX after notification of collection activity, the account was sent to Medical Business Billing on XX/XX/XXXX with no updated phone number for contact per XXXX, supervisor, XXXX XXXX. I was advised by XXXX at XXXXXXXXdical Business Billing, once the {$100.00} is paid, the collection would come off my credit report ; however, he would not send information discussed in writing. This company is playing by its own set of rules not congruent with FDCPA.
Company Response: Closed with explanation

Timely Response

2019-07-15

Bertrand, MO

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-07-10

IL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: On my credit report, XXXX hospital has now made the same debt show up twice on my credit. The amount is XXXX. They had an account opened against me in XX/XX/2018, now as XXXX XXXX, there is another report for the same debt and same hospital.
Company Response: Closed with explanation

Timely Response

2019-07-09

Chicago, IL

Written notification about debt

Debt collection: Medical debt

Notification didn't disclose it was an attempt to collect a debt
Complaint: I recently discovered a debt from a collections agency when I went to check my credit score. This agency has had two bills from me for a full year and they have never once made any effort to contact me to say that the money was owed. ( I also never even got the bill from the hospital in the first place ) This has absolutely DESTROYED my credit rating.
Company Response: Closed with explanation

Timely Response

2019-07-08

Itasca, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: RE : Requesting a Method of Verification Letter Dear Sir/Madam : I recently received a response to a dispute that I made under FCRA 611 ( a ) ( 7 ) regarding an erroneous item on my credit report involving a transaction with, Medical Business Bureau Partial account # XXXX Collection {$760.00} XXXX XXXX have no record of this account. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. I am absolutely certain that the item I disputed is incorrect Medical Business Bureau should be removed. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX, payed XXXX XXXX XXXX XXXX {$540.00} I have enclosed a copy of the Explanation of Benefits. So I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as part of this investigation. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. Very Respectfully,
Company Response: Closed with explanation

Timely Response

2019-06-13

Park Forest, IL

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-05-31

Alafaya, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-05-25

Chicago, IL

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: MEDICAL BUSINESS BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To Whom It May Concern : Due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-05-23

Barrington Hills, IL

Written notification about debt

Debt collection: Medical debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with explanation

Timely Response

2019-05-21

Chicago, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-05-19

Chicago, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I have reached out to the company to resolve this matter as this debt does not belong to me and I have no knowledge as to whom it belongs to.
Company Response: Closed with explanation

Timely Response

2019-05-01

B'ton, FL

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2019-03-25

Devon, KY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-19

Madison, WI

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-17

Chicago, IL

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-02-14

Palos Park, IL

Incorrect information on your report

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

Account information incorrect
Complaint: I am writing to you in hopes of resolving a very serious matter concerning my credit report and two suspected scam companies. Specifically, removing the two invalid, derogatory accounts on my credit report. XXXX and XXXX have already removed the two accounts in question. Thank you in advance for your time. On Saturday, XX/XX/XXXX, my fianc and I visited our Bank ( XXXX XXXX in XXXX, IL ) to apply for a Personal Line of Credit loan to help with our large wedding expenses and our loan was declined due to issues with my credit report. Knowing my credit score and credit history, I was taken aback by the news and pulled up my XXXX XXXX account offered through my XXXX XXXX account. This is when I noticed the ( 2 ) delinquent collections charges from Medical Business Bureau ( MBB ) on behalf of XXXX XXXX XXXX. One charge for {$2000.00} and one for {$2000.00}, for a total of {$4000.00} of debt. Upon discovering these charges, and having zero recollection of either company or collections efforts, I called the number listed under the MBB inquiry on my credit report ( XXXX ) on Monday, XX/XX/XXXX around XXXX CST. A woman answered the phone and asked the purpose of my call, to which I responded that I needed to dispute a charge on my credit report. The woman proceeded to tell me that the situation should be handled by another department of her company and that I needed to call that department to discuss with the matter. She gave me the number XXXX to call. When I asked her what their business hours were, she told me to call tomorrow and that they work from XXXX XXXX. I decided to call right there and then after I got off the phone with the woman. A man picked up the phone at XXXX ( outside of their business hours per the woman ). I told him what I was looking to discuss and he immediately pulled up my account and confirmed my name. The man then proceeded to confirm my date of birth and last four digits of my social security number. I refused and he told me he could not divulge any billing information without confirming. Frustrated, I confirmed with this man and demanded an explanation for the charges on my credit report. He claimed that the two charges were on behalf of XXXX XXXX XXXX, for my service on XX/XX/XXXX ( the date of my XXXX XXXX ). I told him these charges were invalid, as my XXXX was covered by my insurance provided, XXXX XXXX XXXX XXXX ( XXXX ). I asked for him to send me a bill of what it was that I supposedly owed. The man said they sent multiple bills, which I told him they did not. He claims they sent them to my parents address, where I resided until XX/XX/XXXX. I told him I had moved from that residence and never received any such bills. The man proceeded to tell me that they sent the bills and that I am responsible to pay them. I told him to send me a new bill to my address, and the man told me he could not send me a bill because the bill was from XX/XX/XXXX. I told him I would not pay a thing until he proves what I owe. He told me my only two options would be to write MBB a letter requesting the bill ( which contradicts his initial claim ) or to contact my hospital for a copy of my medical records. At some point during my questioning of these bills, the man told me that MBB had charged me for a separate instance on XX/XX/XXXX for {$85.00}, of which I paid by credit card on XX/XX/XXXX. I told him I had no recollection of that charge either. Later, after getting off the phone, I checked my credit card statements for a charge on/around the XX/XX/XXXX date ; there was no such payment made to any collections agency. Also, at least twice during our 13-minute phone conversation, this man suggested I pay off my balance over the phone at an attempt to collect the {$4000.00} debt. In retrospect, this seemed like a desperate opportunity to attempt to collect the invalid money while I was on the phone. After the frustrating phone call experience and not being convinced of the charges legitimacy, I decided to research further into both Medical Business Bureau and XXXX XXXX XXXX What I found was disturbing, concerning, and gratifying to know that I was not the only person experiencing these issues with the same company. I have a full document ( containing all of this text ) of images, links, and other references to this dispute in my attachment.
Company Response: Closed with explanation

Timely Response