Medical-Commercial Audit Inc

2019-12-11

MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX hired MCA collections For the second time to collect " owner '' fees from me when they know I do not own property In XXXX XXXX nor have I ever.The most frustrating part is I just went threw this same thing last year and they removed it. Knowing that the collection agent saw the problem last year after my complaint and removed it, then placed it again this year is absurd to me. Knowing they keep files on very transaction.I have documentation showing my case for complaint. I am currently going XXXX XXXX XXXX for XXXX XXXX, then XXXX XXXX. Trying to get things in line for my wife and then there is this. AGAIN I DON '' T NEED THIS RIGHT NOW HELP ME They are using their power abusively, knocked my credit score down 31 points in a month.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-02

Clayton, MO

Incorrect information on your report

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

Account information incorrect
Complaint: On XX/XX/2019 I mailed a debt verification letter to XXXX and XXXX asking them to please send me proof of how did they verify this debt that was put on my credit profile from from MCA MANGEMENT. I have yet to get anything from them. According to the FCRA they have 30 days to respond to my request with true and accurate information. They have yet to do this. This inaccurate information is hindering me from purchasing a home. I demand that they Delete the inaccurate information off of my account immediately. They have not proven to me how the account has been verified, validated and nor if this is even my account. I also sent a letter to MCA MANAGEMENT COMPANY asking them to validate the debt asking for specific information to be sent back to me and they have yet to do so.
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Timely Response

2019-10-01

Bel Nor, MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-09-15

MO

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: I, have tried numerous times to contact the collection agency as well as e-mailing them and I have got no where. I have not received any recent mailings with the proof of the so called debt. I have tried to have there negative entry removed, I have consulted with the credit bureaus as well as an attorney. I will continue to fight and keep this entry under dispute. I will also be sending this company a demand letter. This is a debt I'm NOT responsible for and I refuse to share a cent with them. The amount of this illigitmate debt is around {$330.00}, I dont even recall what for either. This collection agency has terrible reviews all over the net. I have also placed a bad mark against them with the XXXX as well as alot of other public forums.
Company Response: Closed with non-monetary relief

Timely Response

2019-09-14

San Jose, CA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: MCA Management Company out of Missouri placed a collections on my credit report for {$1500.00} back in XX/XX/XXXX. I don't recognize this account and will need verification of this account and what the {$1500.00} is for. There wasn't any mail in regards to what the collections is for. As highlighted in the FCRA Reporting Act, please provide verification of this collection. Also, please cease any collection calls immediately if there are any in the near future.
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Timely Response

2019-08-13

Saint Clair, MO

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-06-02

MO

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: I have issued a formal dispute with the credit reporting agency XXXX and XXXX over a bill that has NEVER been verified with me. This debt is held by a collection agency called Medical Commercial Audit Inc. NO verification letters have been sent to me plus I have requested this many times, litigation is pending. The original account open date of so called collection account is XX/XX/2014, this is still open and unresolved. I believe this debt has no validity and therefore has every right to be disputed. MCA has no intentions of deleting this account from my credit file it seems so appropropriate action will be taken. I demand this Co. take action immediately and satisfy this complaint and take action to remove this entry from your database and ALL credit reports immediately. Further action such as reporting this to the XXXX and other Complaint Forums will be done right away and made public.
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Timely Response

2019-05-21

Clarksville, MO

Incorrect information on your report

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

Information belongs to someone else
Complaint: Today I checked my credit report and it shows 3 accounts in collections from a agency MCA ( XXXX XXXX original creditor ) This is not me its is my dad 's accounts. I'm XXXX he is XXXX. Went i called MCA to tell them this they hung up on me twice and said " maybe your dad should just pay his bills then ''
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-04-22

Black Walnut, MO

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 non-monetary relief

Timely Response

2019-03-07

Flor, MO

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Timely Response

2019-02-14

Glover, MO

False statements or representation

Debt collection: Other debt

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

Timely Response

2019-01-07

Clarksville, MO

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: I had an agreement with : MCA Management Company XXXX XXXX XXXX XXXX XXXX, MO XXXX or one of their many expired fictitious names First I contacted them about debt in XX/XX/XXXX. I did so in XX/XX/XXXX. They made no mention of any alternate options I may have had to settle the obligation and made an agreement with me. They agreed to remove the debt from my credit reports in exchange for regular payments automatically deducted from my checking account. I made those payments every month as accepted. Late last year, I switched banks. As is common these days, I had 15+ billers with access to my bank account, including utilities, credit cards, store cards, etc. I did not remember all of them. All of the companies understood and these billing clerical errors were immediately resolved. MCA Management Company and XXXX XXXX did not. XXXX XXXX, of MCA Management Company and/or her company immediately fired off 4+ separate credit bureau negatives, but now under the original creditor 's name, XXXX XXXX XXXX XXXX, rather than what used to be their own. even though it was previously combined as one. Upon contacting her in multiple attempts, in good faith, offering to catch up on the two payments immediately, and courteously explaining the situation, this person, XXXX XXXX was unreasonable, offered zero empathy, and seemed to revel in her ability to affect my credit shortly before my family attempting to buy the home we have resided in for 12 years. XXXX XXXX may have committed blatant malfeasance and caused my distress, psychological, financial damages. As though none of this happened, she or her staff has resumed calling me. MCA Management company is notorious for this behavior is predatory in their practices. They put personal gain, and seemingly sadistic satisfaction ahead of any interests of the region and community they operate in. Also attempt to mislead consumers by using a DBA, tied to the same acronym of MCA. They refer to themselves sometimes as MCA Management Company, and other times as Medical Commercial Audit Company Inc. Even a third time as simply MCA Management. In reality the only valid name I can find is actually, " MCA MAnagement Company/Medical-Commercial Audit Inc. '' This is inconsistent and demonstrates a lack of transparency. Furthermore, they do not provide a physical address anywhere. They are using a PO Box as their business address. They have actually registered their business as a Post Office Box, which from my understanding is not permitted. There is a " workaround '' to do this, but I'm not sure this is legitimate. For whatever reason, the owner, XXXX XXXX XXXX, in addition to operating under multiple expired names, and a P.O. Box listed as the required physical address, has remained out of site in this entire process. All told, I'm having trouble seeing how this company isn't operating under, and attempting to collect debts in an erroneous, misleading, and potentially illegal manner. They also seem to be using these Fictitious Names, all expired : M C A MANAGEMENT CO. XXXX Fictitious Name ( Domestic ) Fictitious Expired XX/XX/XXXX MCA MANAGEMENT XXXX Fictitious Name ( Domestic ) Fictitious Expired XX/XX/XXXX MCA Management Company/Medical-Commercial Audit Inc XXXX Fictitious Name ( Domestic ) Fictitious Expired XX/XX/XXXX MCA Management Company/Medical-Commercial Audit Inc
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Timely Response

2018-12-15

Saint Louis, MO

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: I recently obtained a copy of my credit reports and noticed that Medical Commercial Audit has added a collection account that is not owed on Acct # XXXX. That was paid prior to being reported and is now reporting on my credit report which is unfair collection practices. This company is also reporting inaccuracies such as last payment date and date of first delinquency Please delete and remove this account # XXXX from my credit reports.
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Timely Response

2018-10-27

Lenzburg, IL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: On XX/XX/2018, after looking at my credit report I found out that Med Com AU is stating that I owe 2 collection items at XXXX. I never had an account with Med Com AU. There is no number, or addresses listed to contact them. I contacted the original creditor listed XXXX and they told me that they no longer have the account. I asked them to validate the account and they told me that I wrote 2 checks for 2 separate amounts. They said that they would send them but never did. Based on the credit report they show that owe a total of {$80.00} for both checks. I'm still waiting for validation and I have disputed this with XXXX credit bureaus 2 times already. Once on my own in XX/XX/XXXX, and another time with XXXX XXXX XXXX 's help at the end of XX/XX/XXXX. Each time XXXX tell me that I have to wait 45 days and then they say its valid. I asked for proof of validation or investigation process and they will never give it to me. The account is also showing open and it previously showed a closed item. Now, it's showing open. I'm disputing the account again. As a result, this is hurting my credit score and preventing me from getting credit, or financing on my home and any other credit.
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Timely Response

2018-10-12

Saint Louis, MO

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Complaint: XX/XX/17 ( {$860.00} ) Acct # XXXX, Acct # XXXX ( {$77.00} ), Acct # XXXX ( {$56.00} ) HIPPA Violation ; Medical Commercial Audit/ MCA did not provide me with the provider of services to release any of my medical information ( tests, diagnosis ext ) regarding alleged debt as well as cease any credit bureau reporting. This entry 's insertion on my credit reports is a blantant JIPPA violation and a violation of my consumer rights according to the Fair Debt Collection Practices ACT ( FDCPA ). these entries must be deleted from my credit reports immediately with XXXX, XXXX and XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2018-08-25

MO

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: I have never received any information from a company called MCA Management Company. They are on my credit report and have been pinging my credit reports monthly dropping my credit score 10-20 points every month but have never contacted me about owing money to anyone. I am a current patient of XXXX XXXX. XXXX XXXX and have always made payments to them when I owed them money. I have no idea why I would be in collections when I made payments and to my knowledge I was paid in full as I always payed my bills when I receive them from XXXX. I have no idea who MCA Management is and their never having contacted me in anycshape or form and I have just recently noticed they have been on my credit report since XX/XX/2018 and every month they are reapplying what ever it is they do to my credit report but have yet to contact me in written letter or by phone but have no problems harassing and ruining my credit monthly with their deceptive practices.
Company Response: Closed with non-monetary relief

Timely Response

2018-06-28

Lewisville, TX

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2018-04-11

Clayton, MO

Threatened to contact someone or share information improperly

Debt collection: Medical debt

Contacted you after you asked them to stop
Complaint: On XX/XX/2018 the representative, XXXX, contacted me after being informed to not contact me and that I would contact her when I had the funds. At XXXX XXXX CST XXXX violated a FDCPA law by providing information about my account over the phone without verifying my account nor insuring she was speaking to the correct account holder.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2017-12-27

East Milton, MA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-17

Saint Louis, MO

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2017-12-09

Black Jack, MO

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-03

Saint Louis, MO

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

2017-08-13

Springfield, IL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: MCA Management company is a collection agency NOT licensed by the IL Department of Professional Regulations attempting to collect a debt I DO NOT owe. I am attaching a screen grab from the IL dept of Professional ref website license look up.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-06-05

Hazelwood, MO

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2017-04-19

MO

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Complaint: I received an initial notice from MCA Superior Collections dated XXXX advising me I had 15 days to respond before derogatory credit reporting was done. Nowhere on the notice did MCA indicate or imply I had the right to dispute the debt 30 days from receiving this initial notice. Despite the company 's noncompliance I responded with a request for validation of debt dated XXXX ( which was in the allotted time I was advised of ) requesting agreement that bears my signature amongst other documents validating the alleged debt and this company was unable to provide me with any. In response to my letter they did provided me with a bill but no specifics. The blatant disregard to my request leads me to believe they are not taking this matter seriously and I am thinking of contacting a consumer attorney if my concerns are n't addressed expeditiously!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response