The Law Offices of Mitchell D. Bluhm Associates

2019-05-22

Beaumont, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2019-05-20

FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: In XXXX I underwent treatment for XXXX XXXX. Under my medical plan with XXXX, my medical insurance carrier at the time, all of my medical costs were covered at 100 % after meeting {$5000.00} out-of-pocket expense which I had easily satisfied prior to my XXXX in XX/XX/XXXX. All XXXX XXXX XXXX were paid in full. In one instance during my follow up XXXX XXXX in XX/XX/XXXX, I was required to pay a {$67.00} co-pay which I did as per my XXXX plan, my insurance carrier paid the remaining costs as per plan arrangement to the provider , XXXX XXXX XXXX XXXX ( please see XXXX Statement enclosed with this complaint ) To my utter surprise, on XX/XX/XXXX, I was notified by the XXXX XXXX XXXX credit monitoring service of a potentially major derogatory collections report for {$170.00} that was filed by MBA Law Offices/XXXX ( see the derogatory report provided with this complaint ). I have no idea who this company is an why they attempting to damage credit for money that I do not owe. In an effort to get the bottom of this and resolve this matter, I have spoken with both XXXX and XXXX, explained the situation and have initiated disputes. I have also contacted MBA Law Offices/XXXX however they are not cooperative. The representative to whom I spoke indicated that this was related to an imaging service that I had at XXXX XXXX XXXX XXXX and had paid {$67.00} and that there was a balance due. I explained to her that this was incorrect, that XXXX, my insurance carrier paid and balance to the provider under my plan. I told her that at no point during my treatment was I ever required to pay more than the co-pay for imaging services under my plan with XXXX. I explained to her that I did not owe any money and that they had incorrect information and that I am being victimized by their bad information and derogatory report against me for what I do not owe. Following my conversation with XXXX and XXXX, I have XXXX MBA Law Offices/XXXX and have learned that this company buys medical debt in bulk and aggressively pursues individuals with collections even if the information that they have on the discounted debt they purchase is not accurate and I am now a victim of this practice.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-16

Pinellas Park, FL

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: I had a great credit score I tried to keep all my life and now an attorney from Texas shows up on my credit as an added new account from XX/XX/2016 which I had no Idea they can add an account to your credit with out your consent. so each month it shows you didn't pay on a bogus account they added, I had no contact or communication with these people at all ever. they keep hitting my credit every month, this was also on my credit I believe with another collection agency awhile back and also affected my credit score and then it gets sold to the next collection agency. why cant these people do their research first to make sure it was already submitted to my XXXX as a claim in 2016 and they processed it. before they go unto damaging peoples credit with no proof of claim was processed correctly or incorrectly? On Medical debt for all people is mainly error from medical billing people can not process or submit claims correctly so alot of these end up in collection at no fault of ours all has to do how medical billing submits claims. if they would submit the right way we wouldn't have this big problem. medical claims in collection should be reevaluated with medical insurance company first to resolve before, then can take next step if they need to. Sometimes the claim would need to be resubmitted correctly to process and will show paid or completed. Why is it that we have to do the work for everyone in billing dept with XXXX and try to retrieve OLD information on a claim that was submitted along time ago.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-15

Patterson, MD

Incorrect information on your report

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

Account information incorrect
Complaint: Good Day, 1st issue XXXX is paid in full XXXX balance account ending in XXXX .I have sent the letter to Creditors to correct still showing balnace of XXXX no balance should be showing. 2nd is Law office of Mitchell - Not my account should be removed I do not owe Lawyer -none. total XXXX not my account. account XXXX ( no account with this company ) XXXX XXXX XXXX XXXX same affiliated creditor. not my account. should not be on my credit report. I sent documents and disputes still on my report.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-14

CA

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: A Collection in the amount of {$190.00} showed up on my credit a few years ago. I was never given any verification of the debt or notified by the debt collector that I had a right to dispute. I paid the collection in full and was told that the item would be removed from my credit report. I'm not even sure if the debt was mine, but could not surely deny it wasn't so I thought it best to pay them and make an agreement to have it removed from my report. This has been over a year and this is still showing on my credit report. They updated the negative remarks to include that the collection was paid in full, but they refuse to remove it from my report like they agreed to do when I paid them.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-08

Fort Pierce, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: On XX/XX/2016 I feel and hit my head at work. I went to the emergency room at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl. XXXX # XXXX. The company I was working for XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl. XXXX. # XXXX. The company paid the hospital bill because it was a XXXX XXXX claim, but they did not pay the doctor bill. The doctor bill is from XXXX XXXX XXXX at XXXX XXXX emergency billing department XXXX / XXXX. I have called XXXX. XXXX numerous times and they tell me someone will call me back but they never do.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-23

FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: Law firm Mitchell D. Bluhm & assoc ( MBA ) : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Received collection letters from MBA for {$210.00} for services date XXXX by a XXXX XXXX XXXX. we have contacted the collector ( MBA ) several times asking for verification of bill. they claim they don't have any. we have reached out to XXXX XXXX XXXX and they inform that we have nothing owed to them. have checked into the XXXX XXXX XXXX on this law firm/collection agency has over 600 similar complaints against them. they have reported us to our credit reporting agencies and have tarnished or perfect record. we are a retired couple and find that their practice is amoral and un ethical. we respectfully request your help. If we do owe monies we request again that they provide verification and we will pay. our credit report should be informed that it was improperly tarnished.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-19

Belleair, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2019-04-10

Apopka, FL

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2019-04-09

Debary, FL

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Company Response: Closed with non-monetary relief

Timely Response

2019-03-27

Jupiter, FL

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: My FICO score drop to XXXX from XXXX suddenly on XXXX and when I search for " WHY '' i got notify from the bank to go for a credit report at XXXX which I did got the report. Per report- a Debt collection account opened on XXXX with a balance amount of {$170.00} which I didn't aware of that. I contacted with them and got replied- they sentmailed me and also call my cell-phone number but none of the calls or even letter I didn't received from them not even any debt related noticed. I moved from my old address to the new address on XXXX. I did the address change at USPS at the same time when I already moved and I received all my mailed that delivered to the old address and still continuing receiving but again- I didn't received any mail or noticed related with Debt collection. However, when I verified my address with the collection department they have my current address. NOTE : I didn't received any prior noticed or calls regarding this issue and my credit score drop due to collection department Debt procedure which damaged my credit history as well as to purchase my new vehicle and also to purchase some home appliance stuff. I would like to request to pay attention to this matter and help me to resolve this issue as soon as possible.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-27

Crossings, FL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2019-03-20

Crossings, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX* XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX XXXX XXXX/XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-03-20

MN

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: I didnt not give permission to view or know my personal information to pursue a debt. Both debts opened on XX/XX/XXXX. For XXXX and XXXX for st.joseph hospital. Have not lived in florida since XXXX. Which is where the hospital is located.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-17

Wesley Chapel, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: This is a debt the should've been paid by the insurance and the father XXXX XXXX whom is court ordered to carry insurance on the children.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-13

Clermont, FL

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: I received a letter from in XXXX of 2019 alleging a balance owed to in the amount of {$910.00}. I subsequently responded by disputing ownership and requesting verification as well as validation of the debt. On XX/XX/2019, I receive a letter dated XX/XX/2019 enclosed with an alleged verification of the debt obtained from the alleged current creditor, XXXX XXXX XXXX. The Statement of Account provided, which I have attached for additional reference, provides NO information as to who the current creditor is, has no letterhead or company information, what their contact information is, what agreement I made to pay their offices, what services I allegedly received, when the original notice to pay was provided to me, etc. On XX/XX/2019, a collection account owed to XXXX XXXX XXXX XXXX XXXX in the amount of {$910.00} was reported to the credit reporting agencies. At no time have I EVER received a bill or statement from any company named XXXX XXXX XXXX XXXX, nor have I received a bill statement or intent to collect any balances owed from XXXX XXXX, XXXX. Further, the response to my demand for verification and validation showed NO proof that XXXX XXXX XXXX XXXX XXXX owns the debt or that they have been assigned the debt by the original creditor. The letter shows NO verification that I owe the debt, nor does it include the valid documentation from original creditor. It is a violation to simply send a printout of the amount owed. Please remove the account from my credit reports immediately, provide original proof of notices provided to me from the original creditor, notices that the original creditor intended to send my alleged account to collection, notices from the current owner of the account providing me with the opportunity to dispute the alleged debt and all original contracts between the creditors and myself showing agreement to pay for any services rendered.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-11

Pinellas Park, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2019-03-11

Reynolds Station, KY

Incorrect information on your report

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

Account status incorrect
Complaint: This service was covered by insurance and was never billed correctly. I gave them the information to bill insurance and it was still not done. Instead they just sent it to collections instead of billing it correctly.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-05

Dunnellon, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2019-02-27

Nappanee, IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: The Law Offices of Mitchell if fraudulent reporting a negative item on my XXXX file. I have filed with the FTC under fraudulent activity.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-24

Tampa, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2019-02-20

Fort Pierce, FL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2019-02-20

FL

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: A company called MBA Law Offices/ XXXX placed an unknown collection on my credit report. I Received an alert on the credit monitoring system that my score decreased 43 points for a new account. I have received no notification via mail or phone from this company. I have no knowledge of any past due debts.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-13

Spring Hill, FL

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: XXXX XXXX XXXX Account XXXX I have never received a single letter from this agency ; however, I am now seeing this on my credit report through XXXX. Additionally, the amount that the agency is trying to collect is absolutely fraudulent. According to my healthcare insurer XXXX the patient responsibility on my claim is {$2000.00}. XXXX XXXX XXXX is reporting a debt that is completely inaccurate {$6400.00}. I had absolutely no knowledge that this was in collections because I had not received any correspondence. I do not feel that it is very ethical for the Law Office to try to collect more than the hospital is contracted to be paid.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-07

Bridgetown, OH

False statements or representation

Debt collection: Medical debt

Impersonated attorney, law enforcement, or government official
Company Response: Closed with non-monetary relief

Timely Response