Snow and Sauerteig LLP

2019-08-12

IN

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened to sue you for very old debt
Complaint: My hospital bill from XX/XX/XXXX that I have been made monthly payments on since its origin was turned over to " Snow & Sauerteig, LLP '' on XX/XX/XXXX. I sent them a CEASE & DESIST letter on XX/XX/XXXX explaining that I was settling the debt directly with the hospital and not to make any further communication to me regarding this account. On XX/XX/XXXX after the receipt of my cease & desist letter, without my knowledge or consent, Snow & Sauerteig, LLP filed a " Request for Affidavit Signature and Assignment of Debt '' approved through XXXX XXXX XXXX XXXX on XX/XX/XXXX to transfer my XXXX XXXX debt to themselves. I was never notified of this action by the hospital, court, or law firm until recently via paperwork hanging by rubber band on my front door knob apparently delivered by XXXX County Sheriff Department on XX/XX/XXXX. I also received same paperwork via mail on XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2019-07-20

Fort Wayne, IN

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

2019-04-24

IN

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/2019, I received the attached letter for collection in the amount of {$4100.00} giving 30 days in which to dispute the said claim. I sent the attached letters on XX/XX/XXXX and again on XX/XX/2019 requesting ; 1 ) Validation of alleged debt, 2 ) Any verified claim against me, and 3 ) Original bill with original genuine wet ink signature. Debt collectors Snow & Sauerteig, LLP have failed and not provided validation as requested. I was served today a " Notice of New Claim '', with a added charge in the amount of {$1000.00} for Attorney 's fees, filed in the XXXX Superior Court 2 for the same alleged debt and not in my county of XXXX, to appear on XX/XX/2019, again in the absence of validation of debt as requested. It is my belief that this alleged debt has been sold and that is why these debt collectors are not able to produce as requested.
Company Response: Closed with explanation

Timely Response

2019-03-07

AR

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: COLLECTOR FAILED TO VALIDATE SAID DEBT, AND IGNORED CEASE AND DESIST COLLECTION EFFORTS AND WENT ON XXXX ANYWAY.
Company Response: Closed with explanation

Timely Response

2018-11-23

AR

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: COLLECTOR IS TRYING COLLECT ON A DEBT INCLUDED IN AND DISCHARGED XX/XX/2018 XXXX.
Company Response: Closed with explanation

Timely Response

2018-09-30

IN

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
Complaint: Today is Sunday XX/XX/XXXX My name is XXXX XXXX. Current address XXXX XXXX XXXX XXXX XXXX, IN XXXX with a Mailing Address of XXXX. XXXX XXXX XXXX, IN XXXX. I have tried for more than a year to have Credit Bureau 's along with previous Creditor 's and ( UNAUTHORIZED ) Collection Agencies CORRECT/DELETE entries on my Credit Files due to VIOLATIONS of the FCRA, FDCPA, HIPAA OF XXXX, along with RISA AND the MVISA statutes to name a few. Not only are these " creditors ' in violation, but the " Credit Bureau 's '' as well. Even though I I have provided documented facts in the past, they maintain their records are accurate without providing verifiable proof of qualification. One of the many dates does go back, at least, to XX/XX/XXXX. I AM TIRED OF these companies CIRCUMVENTING the LAW!
Company Response: Closed with explanation

Timely Response

2018-09-24

Chicago, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: XXXX XXXX XXXX lost or misplaced my insurance information. Failed to contact my former insurance company and now wants to individually hold me responsible to pay money that I should not be responsible for. They were negligent.
Company Response: Closed with explanation

Timely Response

2018-08-13

Philatelic Center, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I am located in XXXX, CA but my family lives in XXXX Indiana. I was visiting family in Indiana in XXXX of XXXX and due to an XXXX XXXX contracted earlier in the year in XXXX, had to go into the Emergency room. Before going into the E.R., I was experiencing XXXX XXXX XXXX - however, I was under the impression that my insurance was not covered outside of CA. So, I was going to writhe in pain vs. going into the E.R. and getting pinged with medical bills that would insure my children never have an opportunity to go to college. That said, my parents urged my to call XXXX in CA who reassured me I would be covered and to absolutely go in. So, I went in to the E.R. in Indiana. Later that year, after reaching my out-of-pocked deductible ( I had XXXX XXXX which maxed it out ), I receive a collections notice for {$130.00} from Snow & Sauerteig LLP ( I never even received a medical bill to begin with ). I explained to them that I've reached my out-of-pocket deductible to for that year and to take it up with XXXX of CA - they continue to send me messages despite asking them to cease and desist on the phone. Now, it's XXXX of XXXX and I just received an additional bill for {$300.00} from XXXX XXXX - I don't even know who/what that is and never received a medical bill to begin with, plus I reached my out-of-pocket deductible, plus, my insurance would've covered it anyway. I am a XXXX XXXX - these aren't inconvenient bills, these are devastating financial hardships that are not mine to owe. This is the only " civilized '' country in the world that allows spineless sharks like Snow and Sauerteig LLP to prey on helpless, disenfranchised middle and lower-middle class people like myself. Collection firms like this are the bane of a broken American system and I refuse to remain helpless in the face of corporate medical, financial, and other conglomerate, multi-national institutions that make life miserable for the rest of us while they grow fatter and fatter and fatter.
Company Response: Closed with explanation

Timely Response

2018-08-02

Ft Wayne, IN

Threatened to contact someone or share information improperly

Debt collection: Medical debt

Talked to a third-party about your debt
Complaint: On XX/XX/XXXX, I came home to a packet of documents taped on my front screen door. This notice was an appear in court for a debt notice. In this notice, front page, disclosed the creditors I supposedly owed and the amount of money I supposedly owed. Taped in the open on my front door. For my spouse, neighbors and anyone who came to my door to see. The subsequent pages in the packet contained each affidavit of the debts including name of the places I supposedly owed and amount of money with account number. Exposed for all to see including my spouse. This was also the first notice I received from the debt collector about these debts.
Company Response: Closed with explanation

Timely Response

2018-03-12

Dayton, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Ive requested both verification and validation from the company and the send me a copy of the bill. I also checked and they are not licensed by the state of Ohio secretary to collect a debt in this state.
Company Response: Closed with explanation

Timely Response

2018-03-12

Dayton, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX is attempting to collect a debt that I dont know what it is I asked for debt validation and they sent a copy of a bank statement but nothing that I have signed. I also checked and they are not licensed in the State of Ohio to collect this debt where I have resided for the last year.
Company Response: Closed with explanation

Timely Response

2018-02-11

Tucson, AZ

Communication tactics

Debt collection: Medical debt

Called before 8am or after 9pm
Complaint: This complaint is regarding Snow and Sauerteig LLP. Not only are they calling me sometimes 5 or 6 times a day, but are now taking money from my business account which is a registered LLC account. This is for a debt for a medical test done once I found out I had XXXX XXXX XXXX XXXX. I am a veteran and there was confusion as to where I was supposed to have this test done. I have told this company repeatedly that I am on XXXX and a fixed income and can not pay this debt at this time. I have been deemed unable to pay by the IRS! Now this company is taking money from my account that I never agreed to! Not to mention the repeated calls. I will be putting a stop to the payments taken from my account but my fear is they will just find a way to continue to take money. I can not afford this, at this time. If my situation changes with my health I will pay the bill when I start back to work. They just took a withdrawal from my account for {$20.00} in XX/XX/XXXX and another in XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-01-18

Monterey, IN

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2018-01-18

Monterey, IN

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2018-01-07

GA

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: In XXXX XXXX, I went to XXXX XXXX in XXXX, Ohio. No X-rays were done, no medication administered, and I was only there about 20 minutes. XXXX XXXX submitted the wrong dates to the insurance company, so there was a payment issue. I called XXXX XXXX repeatedly for an itemized bill of services and sent emails to show I was not in the state on the dates they submitted to the insurance company. XXXX XXXX has sent the bill to several collection agencies, I have continually disputed it, and now Snow and Sauerteig has it on my credit report.
Company Response: Closed with explanation

Timely Response

2017-08-30

Diplomat, IN

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-06-01

Ogden Dunes, IN

Problem with a credit reporting company's investigation into an existing problem

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

Investigation took more than 30 days
Company Response: Closed with explanation

Timely Response

2017-01-28

Warsaw, IN

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

Ft Wayne, IN

Communication tactics

Debt collection: Medical

Called after sent written cease of comm
Complaint: COLLECTOR IGNORED CEASE AND DESIT AND CEASE COMMUNICATION VIA CFPB XXXX IN XX/XX/XXXX REFUSE VALIDATION REQUEST AND WENT ON CREDIT REPORT IN VIOLATION OF XXXX AND XXXX. AND XXXX COUNT OF T.C.P.A. ON XX/XX/XXXXCALL FROM NO XXXX to XXXX ( see attached. ) LASTLY COLLECTOR IN VIOLATION OF THE DODD-FRANK ACT.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-30

Warsaw, IN

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-13

Ft Wayne, IN

Improper contact or sharing of info

Debt collection: Medical

Talked to a third party about my debt
Complaint: COLLECTOR CONTACTED FAMILY MEMBERS AND IGNORED CEASE AND DESIST.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-20

Warren, OH

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-05

Ft Wayne, IN

Taking/threatening an illegal action

Debt collection: Medical

Sued w/o proper notification of suit
Complaint: in XX/XX/XXXX I had medical testing completed through XXXX Hospital. I was not familiar of the specific test they were doing and asked why they were doing that test when they did it. A week later I received a letter stating that they were sorry they did not have the time to meet with me prior to providing the test but after insurance my total would be XXXX. I did not have the money and would not have had the test if I would have known. I was not in a life threatening state that it was mandatory i have the test completed. I received a bill and tried to make payment arrangements for the total after insurance of {$1400.00}. They would not allow me to do so and told me the bill would go to collections. Since that time I did receive XXXX bill from a collection agency. I did not dispute it as I knew the services had been performed. On XXXX XXXX I received a letter from the XXXX county Indiana court that I was being sued for the total of {$1400.00} plus {$690.00} in interest, attorneys fees and court costs. I called XXXX Hospital and asked for an itemized statement. The lady on the phone offered to take my payment over the phone. I told her no, Thank you, but I was going to mail the payment so I had the cleared check for a receipt. She said ok and mailed me XXXX statements with XXXX envelopes. On XXXX XXXX I mailed a check for {$700.00} with the intent to mail the balance in XXXX weeks. On XXXX XXXX I received a call from XXXX telling me I could not pay with a check but she could take my payment over the phone. She said the check would be sent on but could not tell me with who. I said whatever they needed to do to process the payment was fine. On XXXX XXXX I was ready to pay the balance. The check had still not cleared my account. I wanted the account to be paid in full. I called to inquire on the check and XXXX Billing Department showed the check was received but did not know where the check was located. I told the lady I wanted to make a payment on the account, she said she could not accept payment because I was in the wrong department and transferred me. I talked to another lady who also did nto have any record of the check and told me normally she could accept my payment, but could not. She told me I had to pay through the collection agency. I called another department as I keep everything and looked for another number. They took the payment in full and emailed me a receipt. I stopped payment on the first check. I called the attorney that was handling the hearing and collections for XXXX. They were noting the account and said I had been sent a letter on XXXX XXXX telling me they were handling the account for XXXX, which I did not receive. I did not have the money in XX/XX/XXXX to pay this account. I tried to make arrangements and was denied because I wanted to pay {$50.00} per month. They said I had to pay {$100.00}. I could not. Since that time I received XXXX letter from a collection agency and otherwise I truly forgot about this. When I receive the hearing notice I made payment as quickly as I could. However, the hearing will still go on. I will be at the hearing. I tried with everything I knew to make payment. It has caused me a lot of undue stress because I simply was no notified, but was just sued. After the tests i never received the test results as I had to cancel the appt. I tried to make another appointment but could not get them to call me back or reply online. I went to the records department XXXX to try and get the results. They did not have them and they were baffled of the where they would be. i switched Dr 's and he was finally able to get them. I am not sure what can be done. Thank you!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-07-25

OH

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: My ex wife took my son to XXXX XXXX XXXX for treatment I did not agree with nor gave consent to. She used my Health card information and I was wrongly charged. Multible letters were sent to Snow and saur, last letter sent XXXX XXXX 2014. I am not responsible for this bill. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2014-11-07

Ft Wayne, IN

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response