Medical Business Bureau

2019-02-11

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

2019-01-05

Chicago, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I am a XXXX veteran and unemployed. My medical care is 100 % covered through the Veterans Administration. If I go to a veterans hospital it is not a problem. If taken to a non-va hospital, the hospital must contact the va for payment - which i have never had a problem with. On XX/XX/2016 I was taken to XXXX XXXX in XXXX to have blood sugar tested. I never got to intake at the hospital but a nurse did come out to test my blood with a glucometer. I was fine and left. I never received a bill. I figured they sent it directly to va IF there even was a bill. Over two years later Medical Business Bureau XXXX has made claim that I owe TWO bills for the single visit. {$450.00} and {$320.00}. 1. Either and especially both are absurd. I was never intaked at the hospital. EVEN if I would have been, any glucose test is not that high and even if it were, it would be paid by va at a rate agreed between hospitals. 2. I informed XXXX XXXX and now Medical Business Bureau to send bill to VA or send me correspondence and I would give it to VA. To date they have responded only by making two fraudulent claims for treatment ( which at best should only be one ) and putting both on my credit report indicating i have two medical bills in collections. 3. Unlike other insurance i can not simply pay it and get a refund from VA. They must submit it to the VA for payment. I have zero control of the matter and it is the VA 's bill to pay.
Company Response: Closed with explanation

Timely Response

2018-12-25

Palos Park, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Complaint: Collectors Name : MEDICAL BUSINESS BUREA Account Info : XXXX Creditors Name : XXXX XXXX Open Date : XX/XX/2014 Balance : {$520.00} Debt : {$520.00} Contact Info : XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Company Response: Closed with explanation

Timely Response

2018-11-27

Itasca, IL

Incorrect information on your report

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

Account status incorrect
Complaint: I was in an automobile accident last XXXX and a bill from the accident was paid by my insurance ( or so i was told ) and then 6 months later a collection company reports i owe them {$50.00}. I was never called, never recieved a letter, no communication what so ever and they were allowed to put something on my report on XX/XX/2018 which dropped my score 30+ points and caused me to be denied credit because if them. I still have never recieved anything from them saying i owed then anything. I finally got them on the phone and paid {$50.00} just to resolve it quicker but they improperly ruined my credit for several months and now will have to wait for them ti remove it when i was not even told about it.
Company Response: Closed with explanation

Timely Response

2018-11-03

Chicago, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: On XX/XX/XXXX, I requested a copy of my report. I noticed a collection from Medical Business Bureau for {$250.00}. On XX/XX/XXXX I submitted a request for debt validation as I have no recollection of doing business with them or the original creditor, XXXX XXXX XXXX. I waited 30 days for the validation and after not receiving the requested documents, I submitted another letter on XX/XX/XXXX. As of XX/XX/XXXX, I have not received the requested documents from Medical Business Bureau.
Company Response: Closed with explanation

Timely Response

2018-09-19

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

2018-09-15

Austin, TX

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

2018-08-28

Round Top, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-07-25

Chicago, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: This is the 3rd complaint I'm sending regarding Medical Business Bureau. Please see my complaint ... followed by their response. My complaint : I filed a recent complaint with CFPB regarding complaint number XXXX in early XX/XX/XXXX. According to that complaint, they were going to research can get back with me to provide proof that the debt belonged to me. They have not been able to do that. According to laws governing debt collection, they are supposed to provide me with proof of the debt that has my signature on it. They are stalling and have not been able to prove this. It has been 30 days since I originally requested debt validation and have still not received. Both records that they placed under the credit reporting agencies will need to be removed or I will be forced to escalate this further and even get my attorney involved. This needs to be deleted ASAP Their response : We verified the debt with the hospital and a letter was sent to the consumer informing them that the account is owed. The consumer may contact us at XXXX. By law, they are required to validate the debt with me since I am the consumer. All they sent me was a bill which list the amount they say I owe, they did not send me anything bearing my signature that I signed which under the Fair Credit Reporting Act, I am entitled to receive. This is fraud and both negative reporting items will need to be removed ASAP!!!!!!!
Company Response: Closed with explanation

Timely Response

2018-07-19

Carol Stream, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-07-08

Bellevue, TX

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: I received an initial demand letter from the agency in XX/XX/XXXX at which point I contacted their office and was notified it was for a bill from XX/XX/XXXX. I explained that I had visited the medical office over 20 times in XX/XX/XXXX and asked how come I never received notification of any debt owed? The representative stated that she would contact the creditor and would provide docs as they were having the same issues with the hospital from many debtors they were speaking with. Two weeks later I received another letter stating they had verified with the hospital that the debt was valid and that I owed the amount. I called their office and spoke with a Collection Manager named XXXX and asked why I was receiving calls and letters since I requested validation of the debt. He stated it was never notated on the file that I wanted validation of debt and that the request would have to be made in writing and that now I had a second account in their office and both would be reported on my credit bureau on XX/XX/XXXX. This is a contradiction to the letter as it had stated that the client has notified their office the debt was valid. I sent a certified cease and desist with a request for validation that their office signed for on XX/XX/XXXX and on XX/XX/XXXX the collection agent called and left a message on my cell phone. I called them back and requested to speak with their CEO or Compliance Officer but no one has called. I received another letter in XX/XX/XXXXstating the same that they have checked with their client and both debts are valid. The collection agency has falied to provide docs or return calls.
Company Response: Closed with explanation

Timely Response

2018-06-16

Hoffman Est, IL

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2018-06-14

Oakland, FL

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2018-06-08

South Florida, FL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: The MBB INFORMRD THAT THERE AN OPEN ACCOUNT AGAIN MY FOR {$260.00} DOLLARS, FOR TWO MEDICAL PAYMEN THE PROBLEM IT'S THEY DIDE N'T SUMITED THIS PAYMENT TU MEDICARE, THE XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, MY NAME IT XXXX XXXX XXXX THE ACCOUNT # XXXX XXXX, THIS ACCUNTS WAS SINCE XX/XX/XXXX AND XX/XX/XXXX THE COLLECTION # XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-06-06

Austin, TX

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2018-05-29

Glenview, IL

Incorrect information on your report

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

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

Timely Response

2018-05-21

Hinsdale, IL

Threatened to contact someone or share information improperly

Debt collection: Medical debt

Contacted you instead of your attorney
Complaint: This debt is from a auto accident on XX/XX/XXXX. The other parties insurance company will be paying from a lawsuit that was filed. The original creditor never sent a bill to me or my lawyer. Then they placed the account on my credit back in XX/XX/XXXX '. Also they never sent a Medical Lien which all others company 's did. Now I've been fighting with the collection company and XXXX .Back in XX/XX/XXXX ' the collection company sent notification to all 3 credit reporting agencies to delete the account from my report, Which 2 of them did delete it. XXXX refuses to delete it. The collection company has sent me a draft that they sent to XXXX to delete and it's still there. I have also disputed the account with them 7 different times and it has not been removed. Now in XX/XX/XXXX ' I get a letter from the collection company saying the have entered a medical lien over a year later. With that being sent they are guaranteed to be paid once the law suit is settled. So for over a year i have had this account damaging my credit when this all should have been done first once treatment was given. They also had my heath insurance on file but never submitted for payment. I have attached Proof of the draft and the medical lien dated XX/XX/XXXX more then a year later
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2018-05-20

Chicago, IL

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX I had one day XXXX on my XXXX XXXX I received from my insurance XXXX XXXX of Illinois what I was responsible to pay {$1300.00} and paid it. On XX/XX/XXXX I received an alert from XXXX XXXX that a collection agency, Medical Business Bureau was added to my XXXX XXXX credit file. I called the Medical Business Bureau, they said I had an outstanding bill for XXXX from XXXX XXXX from XX/XX/XXXX in the amount of {$1400.00}. I never received a bill from XXXX XXXX, I also called them and they told me that my insurance information was not even on file with them. I also called XXXX XXXX of Illinois, they are submitting the claim to see if my insurance at the time will cover the XXXX bill of {$1400.00}. So now this outstanding bill that I never received from XXXX XXXX is affecting my credit. I am also getting alerts from XXXX due to the same issue.
Company Response: Closed with explanation

Timely Response

2018-05-12

IL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Medical Business Bureau has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Closed with explanation

Timely Response

2018-05-07

Helmar, IL

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2018-05-01

Chicago, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I filed a recent complaint with CFPB regarding complaint number XXXX in early XXXX. According to that complaint, they were going to research can get back with me to provide proof that the debt belonged to me. They have not been able to do that. According to laws governing debt collection, they are supposed to provide me with proof of the debt that has my signature on it. They are stalling and have not been able to prove this. It has been 30 days since I originally requested debt validation and have still not received. Both records that they placed under the credit reporting agencies will need to be removed or I will be forced to escalate this further and even get my attorney involved. This needs to be deleted ASAP.
Company Response: Closed with explanation

Timely Response

2018-04-18

Hinsdale, IL

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2018-04-18

Matteson, IL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-03-26

Chicago, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: XX/XX/2017 I received a medical debt from Medical Business Bureau was placed on my credit. They have not been able to validate that this debt belongs to me. Under the FCRA, I am required to seek validation with a document bearing my signature and this has not been provided to me. This debt was already removed from XXXX and XXXX, I am requesting it to be removed from my XXXX report as well.
Company Response: Closed with explanation

Timely Response

2018-03-21

Lk Buena Vis, FL

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: On XX/XX/2018and XX/XX/2018, I began searching for mortgage lenders. At this point based on the info they gave me, I realized that my credit score had dropped by a huge amount since I last checked in XX/XX/2018. I pulled my credit report to determine what had happened and noticed a collections debt on there. I was never informed of this collections debt at any point from either the medical company or the collections agency. I have already contacted the collections agency and paid the debt in full in return for it's removal from my credit report. However, I was not able to obtain written verification that this would happen. At this point I don't care that they didn't notify me about the debt or collections, I just want to make sure that it is deleted from my credit report in a timely manner.
Company Response: Closed with explanation

Timely Response