ComplaintsforProfessional Finance Company (PFC USA)

• Initial Complaint

  06/05/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Correction to my credit report. I am not liable for this debt with Professional Finance Company *********************************************************************************. I do not have a contract with Professional Finance Company they did not provide me with the original contract as requested.

  Customer response

  06/06/2024

  I tried to email but they dont receive emails see screenshot above there should be a recording with ****** who I spoke with 

  Customer response

  06/06/2024

  See attached signed Authorization 

  

  Business response

  06/14/2024

  Professional Finance Company, Inc. (PFC) appreciates the opportunity to respond to this complaint.  On 6/5/2019 and 6/19/2019, US ******************* of ******* (USAP) provided services to **********************. (Flood).  When no payments were received for these services, USAP placed the accounts for collection with PFC on 10/24/2019.  On 10/26/2019, PFC mailed Flood initial notice of the debts to the same Cypress Preserve Parkway address listed in the complaint  and received no indication of returned or undeliverable mail.  In response, Flood telephoned PFC on 11/6/2019 and set up a temporary payment arrangement of $15/month.  ***** continued to make intermittent payments until recently.  PFC understands that ***** has no contract for services with PFC. Rather, Flood received services and contracted with USAP and USAP has elected to use PFC to collect its outstanding debts.  For further information, PFC would direct Flood to the US ********** of ****** and ***** Services website at ****************************************************************************************************************************************************************************; PFC has independently made the decision to discontinue credit reporting of medical debt accounts. As a result, the accounts referenced in the complaint have been submitted for deletion from credit reporting. However, both PFC and USAP hold the position that the above referenced accounts are still due and owing.  PFC has included itemized statements from USAP as verification of the debts at issue along with this response.  PFC is always happy to work with consumers to resolve their accounts amicably. 
  

• Initial Complaint

  05/29/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I received a summons about an unpaid medical bill dating back to November of 2022 from the ******************************* facility. This was served to me by the Professional Finance Company, INC. I have personally never seen a bill in regards to this unpaid amount. The summons includes no information about what services were provided or to whom. I was personally not seen for any medical assistance in November of 2022. I would assume that I would have received some form of communication in regards to this unpaid amount prior to being served a summons for a date in court. Especially considering the amount owed is less than $400.00. In reviewing information about your company (Professional Finance Company, Inc.) it is clear that you participate in unethical business practices in regards to collection of debt. I am filing a complaint with the ************************ of Colorado today. Should you wish to mitigate this situation you will email the proper documentation to back up this collection claim. Thank you.

  

  Business response

  06/09/2024

  Professional Finance Company, Inc. (PFC) appreciates the opportunity to respond to ******************** complaint.  On 11/13/2022, ******************************* (***) provided services to ******************** minor child.  ******************** *********************** and ***************** was billed, adjustments were made, and an amount was left owing to ******************** deductible.  *** billed ****************** directly but received no payments towards the amount owed.  As a result, *** placed the account with PFC for collection efforts on 6/20/2023.  On 6/24/2023, PFC mailed ****************** initial notice of the debt and received no indication of returned or undeliverable mail.  PFC also attempted to reach ****************** by telephone but was unsuccessful.  After determining that the *** account qualified for collection by legal action, one of PFCs attorneys mailed ****************** an additional notice regarding the *** account on 3/12/2024.  Again, PFC received no response to this communication.  PFC then proceeded to initiate legal action through service of process and completed this service on 5/28/2024. PFC has included documentation on the account and its written communication attempts with ****************** with this response as requested.  As always, PFC is happy to answer any further questions and work with ****************** to get this matter resolved amicably.

• Initial Complaint

  05/28/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I believe that the current account US ******************* Of FL , is wrongfully placed against me. I have no knowledge or recollection of ever going into contract with them or the collections company.

  Customer response

  05/30/2024

  I genuinely dont know what this account is for or has to do with. So I dont have any documentation to attach? Which is why Im asking for it to be removed. I have no idea where this account even came from.

  

  Business response

  06/10/2024

  Professional Finance Company, Inc. (PFC) appreciates the opportunity to respond to Mr. ******* complaint.   On 9/16/2022, US ******************* of ******* (****) provided services to **************** at the ********************* facility.  As **************** was listed as self-pay, USAP applied a patient advocacy discount and billed **************** directly.  When no payment was received, USAP placed the account for collections with PFC on 1/26/2023. On 1/31/2023, PFC mailed **************** initial notice of the debt to the ***************** *************** address that is listed in his complaint and received no indication of returned or undeliverable mail.  PFC also attempted to reach **************** by telephone several times but was unsuccessful.  PFC then began credit reporting the account as an open collection item on 10/15/2023.  As a result of the instant complaint, PFC has marked Mr. ******* account as disputed. As verification of the debt, PFC has included an itemized statement from USAP along with this response.  PFC is happy to answer further questions regarding this matter and is always willing to work with **************** to resolve the account amicably.

  Customer response

  06/10/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business, and find that this resolution is satisfactory to me.
  
  Regards,
  
  ***************************

• Initial Complaint

  02/26/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I AM NOT LIABLE FOR THID **** WITH US ANESTHESIA PARTNERS OF TE . I DO NOT HAVE A CONTRACT WITH PROFESSIONAL FINANCE CO, THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT THAT I REQUESTED.

  Customer response

  02/26/2024

   DO NOT HAVE A CONTRACT WITH PROFESSIONAL FINANCE CO, THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT THAT I REQUESTED.
  

  Customer response

  02/26/2024

  I have no contract PROFESSIONAL FINANCE CO. I demand this be removed and corrected on my credit report.
  

  

  Business response

  03/05/2024

  Professional Finance Company, Inc. (PFC) appreciates the opportunity to respond to Ms. ******** complaint. According to US ******************* of ***** (USAP), services were provided to ****************** at *********************************** on 1/25/2021.  When USAP received no payment for the services after their own billing efforts, the account was placed with PFC for collections on 12/30/2021.  On 1/3/2022, PFC mailed ****************** initial notice of the debt to the address provided at the time of service and received no indication of returned or undeliverable mail.  On 1/6/2022 and 2/1/2022, PFC spoke to ****************** but was unable to resolve the account.  As a result, PFC began credit reporting of the account on 3/6/2022.  PFC did receive a dispute from ****************** in February of 2024 and discussed the dispute with USAP.  At that time, USAP stated that the account should be withdrawn from collections and credit reporting was deleted on 2/28/2024.  PFC has closed the account in its office, ceased all collections, and deleted credit reporting of the account.  PFC is happy to answer any further questions regarding this matter.

• Initial Complaint

  02/23/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ***************************. I do not have a contract with PROFESSIONAL FINANCE COMPANY, they did not provide me with the original contract as I requested.

  Customer response

  02/27/2024

  I request the documentation on a phone call.  I received a call and stated that I had no idea who they were and that I wanted full documentation as I have NEVER signed an agreement with this company.

  Customer response

  02/27/2024

  Release of information

  

  Business response

  03/05/2024

  Professional Finance Company, Inc. (PFC) appreciates the opportunity to respond to Ms. ******* complaint.  According to *************************** ********************** was provided services while at ************** ******************* on 10/30/2022.  ******** received no payment for the services provided, the account was placed with PFC for collection efforts on 2/28/2023.  On 3/3/2023, PFC mailed **************** initial notice of the debt to the same ***************** address listed in her complaint and received no indication of returned or undeliverable mail.  PFC also attempted to contact *************** at the telephone number provided to *** and was able to speak with her on 12/21/2023, but the account remained unresolved.  As a result, PFC began credit reporting of the account.  The instant BBB complaint is the first communication PFC has received from **************** requesting any kind of documentation.  PFC has attached an itemized statement from ***, as well as the signed consent with Centura that is applicable to ancillary services providers like ***.  PFC has marked Ms. ******* account as disputedand has found that it is only reporting accurate information on the account.  PFC understands that it has no direct contractual relationship with ****************.  However, PFC is a Business Associate of *** and has been assigned her account for collection purposes.  For further information, PFC would direct *************** to the US ********** of ****** and ***** Services website at ************************************************************************************************************************************************************************* always, PFC is happy to work with **************** to resolve her dispute and to assist with removal of the credit reporting of the account.

• Initial Complaint

  02/14/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I am aware of this tradeline unlawfully reporting on my consumer report. And would like to conduct a further investigation. Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this tradeline on my credit report. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent; which, you have used to create this tradeline on my credit report. let me explain, if you have used my Name and any other personal identifiable information such as: a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. (See ************* **********, 737 F.3d 129, 134) "Pursuant to 18 U.S.C. 1028A(a)(1), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A(c), he "knowingly . . . uses, without lawful authority, a means of identification of another person." The statute defines the term "means of identification". To mean "any name or number that *** is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [or] date of birth." Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this tradeline then i will drop my claim.

  Customer response

  02/15/2024

  Here is my Authorization Form. Please submit my complaint.

  

  Business response

  02/22/2024

  Professional Finance Company, Inc. (PFC) appreciates the opportunity to respond to ********************** complaint.  On 8/12/2021, US ******************* of ******* (****) provided services to ******************** in connection with treatment received through ****************************, LTD.  ******************** was billed directly by **** but no response to their communications was received.  As a result, **** placed the amount owed with PFC for collections efforts on 2/3/2022. On 2/6/2022, PFC mailed initial notice of the debt to ******************** at his ******************* address and received no indication of returned or undeliverable mail.  This address matches the address contained in ********************** complaint and that is listed on the ******* Drivers License attached to his complaint.  PFC also attempted to reach ******************** by telephone and left several messages at the *************************** his complaint, but received no response.  PFC has discussed the account at issue with **** and has performed an investigation into the credit reporting of the account. Although both PFC and **** believe the information being reported is accurate as to the date of service, amount, and information regarding ********************,**** has chosen to close the account due to repeated complaints by ********************.  As a result, PFC has ceased all collection efforts, closed the account in its office, and submitted deletion of all credit reporting, as PFC no longer has the account for collection.  PFC trusts this resolution is acceptable to ******************** and is happy to answer any further questions regarding this matter.

  Customer response

  02/23/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business, and find that this resolution is satisfactory to me.
  
  Regards,
  
  *********************************

• Initial Complaint

  01/10/2024

  Complaint Type:

  Order Issues

  Status:

  Resolved

  More info

  I am not liable for this debt with US ANESTHESIA PARTNERS OF ********. I do not have a contract with PROFESSIONAL FINANCE COMPANY, they did not provide me with the original contract as I requested.

  Customer response

  01/15/2024

  The following account is illegally reporting on my credit report - PROFESSIONAL FINANCE COMPANY. For starters I have never signed a contract with said company therefore it is impossible for me to owe them anything. Please ask PROFESSIONAL FINANCE COMPANY to provide an original contract signed by me stating that I agree to pay any such debt. Secondly the reporting violate 15 U.S. CODE 1681B- Permissible purposes of consumer reports.

  15 u.s. code 1681b(a)(2)

  (a)In general

  Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:

  (2)
  In accordance with the written instructions of the consumer to whom it relates.

   

  Also the reporting violates the metro 2 reporting guidelines.

  

  Business response

  02/12/2024

  
  Professional Finance Company, Inc. (PFC) appreciates the opportunity to respond to Mr. ********** complaint.  On 5/24/2022, US ******************* of ******* (****) provided services to **********************. When charges were left owing for these services and **** received no further payments or communications, the account was placed with PFC for collection efforts on 3/23/2023.  On 3/26/2023, PFC mailed ********************* initial notice of the debt and received information from **** that the notice was forwarded to Mr. ********** ***************** E address.  PFC spoke to ********************** on 4/24/2023 but was not able to resolve the account.  As a result, PFC began credit reporting of the account on 6/18/2023.  PFC received multiple disputes from *********************, investigated the disputes, and determined that the account was reporting accurately.  However, PFC received a recent dispute in January of **** that contained additional information.  As a result of that information provided, PFC closed the account back to ****, ceased collection efforts, and submitted deletion of all credit reporting on 1/24/****.  PFC believes it has resolved this matter as requested by ********************** and is happy to answer any further questions regarding this matter.

  Customer response

  02/12/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business, and find that this resolution is satisfactory to me.
  
  Regards,
  
  *******************************

• Initial Complaint

  12/21/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have been dealing with this collection issue since at least early 2023. I was in a car accident, where I broke my neck, on Sept 6, 2022. All medical bills were originally being charged as though there was auto insurance coverage. In the end, there was not. I received my first bill from "Colorado West Emergency Physicians, LLC" on 9/15/2022. I updated my insurance information via their payment portal (peryourhealth.com) on 9/24/22, and then again on 11/14/22. After that date, the account was assigned to PCF, "Professional Fianance Company, LLC." Since then, I have been inundated with mailings and phone calls for collections. I have, via phone, discussed there was insurance to pay for the plan, but they couldn't accept insurance as payment. That is when I wrote a letter of grievance to RMHP/UHC for non-payment of bill. I was informed via phone that CWEP never submitted a claim, but the claim would be paid if submitted. Ultimately, a claim #************ was paid to CWEP, after their claim was submitted. I was still told by PCF that my claim was still open, even after submitting proof of the paid claim from RMHP/UHC on 4/12/23. I am not sure the current balance with PCF, due to another $61.66 claim. But the claim from CWEP should be deleted in whole and I would appreciate a letter from PCF state the account has been paid in full. Thank you.

  

  Business response

  01/04/2024

  Professional Finance Company, Inc. (PFC) appreciates the opportunity to respond to Mr. ******** complaint.  PFC had forwarded the documentation that ****************** provided in his complaint to ******** West Emergency Physicians (CWEP) for review.  Using that information, CWEP was able to locate the insurance payments referenced therein.  As a result, the account placed with PFC was closed as paid and all credit reporting has been submitted for deletion.  As referenced in Mr. ******** complaint, the involvement of a car accident and initial provision of potential auto insurance coverage caused the insurance adjustment and payment to be subject to refund as, per CWEP, ******** will not pay when third-party insurance was potentially available and may claw back such payments at any time.  Nevertheless, PFC has closed the account in its office as paid, submitted deletion of credit reporting, and provided ****************** a closure letter as requested.  PFC is happy to answer any further questions regarding this matter.

  Customer response

  01/04/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business, and find that this resolution is satisfactory to me.
  
  Regards,
  
  ****************************************

• Initial Complaint

  11/30/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ***************************. I do not have a contract with Professional Finance, they did not provide me with the original contract as I requested.

  Customer response

  12/01/2023

  I mailed the original document to the collection agency and I did not make a copy. Please help with my issue, as they did not provide me with the legally required documentation requested.

  

  Business response

  12/05/2023

  Professional Finance Company, Inc. (PFC) appreciates the opportunity to respond to Mr. ******** complaint. On 8/7/2018, ****************** received services from *************************** (******** Valley) involving treatment and transportation to *************************.  ******** Valley attempted to bill ****************** at his provided address in ****** but received no response.  As a result, the account was placed with PFC for collection efforts on 11/30/2018.  On 12/4/2018, PFC mailed ****************** initial notice of the debt and received no indication of returned or undeliverable mail. PFC also attempted to reach ****************** by telephone but was unsuccessful.  Thereafter, PFC began credit reporting of the account as an open collection item.  PFC has no record of any correspondence from Mr. ******* prior to receipt of the instant BBB complaint, but PFC did receive a notice of dispute through Experian on or around 11/30/2023.  In response to this complaint and that dispute, PFC requested and obtained the attached documentation from *************************** as verification of the debt.  PFC has updated Mr. ******** address to the ********** address listed in the complaint. Though PFC believes the account has been verified pursuant to the attached documentation, PFC has ceased collection efforts, deleted credit reporting in response to the Experian dispute, and returned the account back to ******** Valley.  ********************* Valley believes the account is still due and owing, PFC is unable to speak to any next steps that ******** Valley may take as to the account.

• Initial Complaint

  09/19/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  My information has been submitted to Professional Finance Company **** for a debt regarding a medical procedure that occurred in December 2022. This will negatively impact my credit. They are contacting me only by letter 10 months after the procedure with no prior notice. Since receiving the letter, I have talked to them 3 times, contacted the hospital and the company they supposedly are collecting the debt for - "******* Anesthesiology" which A) claims I owe the current company NO money and am paid in full B) that for any prior accounts before 2023 that an agreement was made between Ad Vivum and Professional Finance Company to obtain all account records and service the accounts - which has not been done. & C) I was also told that this is affecting multiple patients and not just myself. Professional Finance is saying that this is not true, and no one will help me resolve this matter. I am stuck in the middle of their agreement to which it seems neither party knows what they are supposed to be doing. I have verbally disputed the debt and am sending in a formal notice to dispute the debt also today. Without getting 3rd party intervention, I do not see this being resolved. I have not paid any $$ to the company yet, but they are claiming I still owe $709.96. I do not want to submit payment to them until someone can confirm that BOTH of my insurance companies were submitted a claim as they should have. To my knowledge, I only know for certain that my primary received the claim. I also am requesting that due to the lack of customer service on all parties part, if it is found that both of my insurances were filed and an amount is still due that the company give myself and others the opportunity to rectify it without having it reflect on our credit due to their negligence. Thank you for your consideration.

  

  Business response

  09/26/2023

  Professional Finance Company, Inc. (PFC) appreciates the opportunity to respond to ****************** complaint.  On 12/1/2022, **************** received services from ******* Anesthesiology (*******).   At the time of service, **************** presented with primary and secondary insurance.  ***************** (BCBS) processed the claim and allowed $709.09 as deductible.  ******************* (UMR) was billed by it appears that no response was received.  Per *******, after the claim was submitted to UMR, a new billing company was utilized and information may not have been received from the former billing company. As a result, ******* has stated that ****************** account was placed in error.  ******* has stated that they have no record of communicating with ****************, so it may have been Advivums former billing company that was reached. ******* does not believe its former billing company has relayed accurate information regarding its records or its relationship with PFC.  To reassure ****************, PFC did not and will not submit any credit reporting on her account. Further, credit reporting for medical debt may only occur one year after the debt is incurred so that sufficient time is available for consumers to communicate and resolve debts, either through insurance or through payment.  PFC has closed ****************** account, ceased all collection efforts, and returned the matter to *******.  OF course, PFC and ******* apologize to *************** for any inconvenience.  

  Customer response

  09/26/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business, and find that this resolution is satisfactory to me.
  
  Regards,
  
  ***************************

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩