ComplaintsforProfessional Finance Company (PFC USA)

• Initial Complaint

  09/21/2024

  Complaint Type:

  Order Issues

  Status:

  Resolved

  More info

  *** was informed many times the debit they were attempting to collect was not correct and has to be returned to ******************************* to be resubmitted to the insurance company to be resolved. they continue to call and now have sent a letter of "legal action" to me on this debit.

  

  Business response

  10/02/2024

  Professional Finance Company, Inc. (PFC) appreciates the opportunity to respond to Mr. ******** complaint.  In February of 2024, Mr. ******* received services from ******************************* (***).  Mr. ******* did provide insurance information at the time of his visit and *** applied insurance to some of the services provided.  However, *** applied a self-pay discount for some of the services provided due to a delay in receiving the insurance information from ********* (which is a separate entity from ***).  *** did reach out to Mr. ******* for payment of the patient responsibility portion of these services and received no response.  As a result, the account was placed for collection with PFC on 5/7/2024.  On 5/12/2024, PFC sent Mr. ******* initial notice of the debt to Mr. ******** telephone number ending in 0853 and received confirmation that the notice was delivered. As a result of Mr. ******** complaint, *** has placed its collection efforts on hold, including ceasing any legal action against Mr. ******** and is working directly with *** to ensure that Mr. ******** accounts are billed correctly.  Mr. ******* may follow up with PFC for an update at his convenience.

  Customer response

  10/02/2024

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

• Initial Complaint

  09/12/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  This account dates back to a bill I had when I had multiple surgeries and doctors at one time. I finally was able to set up a payment plan, which I was paying $50 a month on then life happened and I had to pick up and move myself to Arkansas For a family emergency I called and informed all my creditors that I would call them on October 1 to make a payment on the 4th and to reset up. Any payment plans needed professional finance was one of the phone calls that day. I was told I was good thank you very much blah blah blah. Imagine my surprise when I check my Credit Karma because ** told my credit. Score had gone up! And there set a derogatory remark From professional finance like what the heck I dont get it I was just getting everything cleared up was going to be able to pay the other debt off and now here I get a kick in the face and get set back again. I called in today to reset up my payment plan just like I said I would set it up with a beautiful girl name ****, who is very apologetic for not being able to get the derogatory mark off, but I would appreciate it if your company could take that off of there as I am not intentionally missing or not intentionally not paying, Im trying as best as an old woman can on Social Security trying to support herself and keep a float out there these days thank you. Ive said my peace.

  

  Business response

  10/02/2024

  Professional Finance Company, Inc. (PFC) appreciates the opportunity to respond to Ms. ******* complaint.  Ms. ****** received services from US *********************************** (****) on 7/13/2023. USAP billed ********************* and adjustments were made leaving a balance as patient responsibility.  ********* made two payments totaling $70 in August and September of 2023 and then USAP received no further payments.  As a result **** placed the account with *** for collection efforts on 11/29/2023.  PFC sent Ms. ****** initial notice of the debt on 12/7/2023 and received confirmation that the notice was delivered.  On 5/10/2024, Ms. ****** telephoned PFC to set up payment arrangements for $50/month and made two such payments.  Ms. ****** then telephoned PFC on 8/2/2024 and cancelled her payment arrangement due to needing to move to *********  PFC cancelled the payment arrangement as requested.  However, Ms. ******* account then became eligible for credit reporting as no payment arrangement was on file.  ****************** did call in to set up a new arrangement, PFC is happy to delete credit reporting of the account as a courtesy to Ms. ************* PFC notes that cancellation of the payment arrangement by Ms. ****** would make the account again eligible for credit reporting. *** is happy to answer any further questions Ms. ****** may have and truly appreciates Ms. ******* willingness to work with ***.

  Customer response

  10/03/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business, and find that this resolution is satisfactory to me. I'm sorry I had to do this and yes I have a bad credit history. Life happens and you take care of what you can. But, I do thank PF for removing this because I'm really trying to get this record clean. FYI the other derogatory is paid and my next fight!
  
  Regards,
  
  ****** ******

• Initial Complaint

  08/27/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

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

  

  Business response

  09/06/2024

  Professional Finance Company, Inc. (PFC) appreciates the opportunity to respond to Mr. ****** complaint.  On 1/4/2023, ************** received services from Touchstone Imaging Southlake (**********).  ************** made an initial payment to Touchstone on that date. ********** then billed *************************** payments and/or adjustments to the amount owed were made, and amount was left owing as Mr. ****** responsibility.  This is reflected in the attached itemized statement from Touchstone.  When no further payments were received, ********** placed the account for collection with PFC on 5/17/2023.  On 5/20/2023, PFC mailed ************** initial notice of the debt to the same 1232 ********************* address listed in his complaint and received no indication of returned or undeliverable mail.  PFC also spoke to ************** on 7/14/2023.  During this communication, ************** confirmed that he could be reached at the number called but was unable to discuss the debt at that time. Thereafter, PFC was unable to reach ************** again. As a result,PFC began credit reporting of the Touchstone debt.  PFC has since began the elimination of credit reporting medical debt accounts.  As such, PFC has already submitted deletion of the credit reporting for the Touchstone debt. Credit reporting agencies may take time to reflect this deletion, but the account has been submitted by PFC for deletion. PFC has included documentation on the disputed debt for Mr. ****** review. From PFC and Touchstones review, the debt is accurate and owing. PFC is happy to work with ************** to resolve his dispute and the debt.  

• Initial Complaint

  08/22/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Recently noticed a collection account placed on my credit report in October, 2023 by Professional Finance *** I have never received any information or notification of this collection account, and know nothing of an outstanding balance that would lead to this collection. As I have seen from others, this may be a fraudulent claim / company. I would like this account removed immediately from my credit report with all three agencies as I do not believe it to be legitimate.

  

  Business response

  09/03/2024

  Professional Finance Company, Inc. (PFC) appreciates the opportunity to respond to Ms.******** **************** On 6/28/2023, ***************** incurred charges for services provided by Carolinas Imaging Services,LLC (Carolinas).  Carolinas billed ********************** received partial payment/adjustments, and a remainder was left owing as Ms. ******** responsibility.  Carolinas then billed ****************** directly for the amount left owing. When no further payments were received by Carolinas, the account was placed with PFC for collection efforts on 10/25/2023, pursuant to a Business Associate Agreement between PFC and Carolinas.  On 11/1/2023, PFC mailed ****************** initial notice of the debt to ****************************************************** but received an indication from the **** that the mailing was forwarded to an updated address of *************************************************************************** and delivered on or about 11/8/2023.  PFC also attempted to reach ****************** at the phone number provided to Carolinas at the time of service, ending in 4357, via phone call and text message and did not receive any response.  Thereafter, PFC began credit reporting of the account.  PFC has marked Ms. ******** account as disputed as a result of her BBB **************** PFC is happy to work with ****************** to resolve her dispute and remove the account from her credit report. 

• Initial Complaint

  07/18/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  So today I received a text message from somebody presumably a collection Bureau with a $22 bill I got on their website, began reading their reviews. It appears to be scammers then I called and I got the rudest employees ever they kept transferring me over talking me wouldnt let me speak to a supervisor, so I refuse to work with them. They were so disrespectful and so unprofessional that I couldnt stand to work with them as someone was severe PTSD dealing with these people that have no skill sets to work in a collection bureau agency and be kind and polite was enough to send me over the topam not happy. They are disgusting. Oh by the way they blocked me so now I cant pay the bill if I even know a bill what a joke.

  

  Business response

  07/25/2024

  Professional Finance Company, Inc. (PFC) appreciates the opportunity to respond to Ms. ******* complaint.  On 11/7/2019, **************** received services from ******************** (Advanced).  Advanced billed Ms. ******* ********** payments and adjustments were made, and Advanced ultimately placed a $22 account for collections with PFC on 4/15/2024.  On 4/22/2024, PFC texted **************** initial notice of the debt to the phone number provided to Advanced at the time services were rendered.  On 7/18/2024, **************** began telephoning PFC while refusing to provide identifying information.  PFC is required to verify the identity of an individual prior to discussing any debts or medical information.  **************** asked to speak to a supervisor and was transferred to a supervisors voicemail for an eventual return call.  According to PFCs call records, **************** telephoned PFC around 20 times in a one-hour period.  Several of these calls included **************** swearing at representatives of PFC and calling representatives derogatory names.  Later, on 7/18/2024, **************** filled out one of PFCs online forms requesting information on PFCs services.  PFC does not wish to communicate with **************** further, has ceased all collection and communications as to the account, and has closed the account back to Advanced.

  Customer response

  07/27/2024

  Complaint: 22011322
  
  I am rejecting this response because:  I received a text from this company, and when I responded to the text, I couldnt get anyone to help me. I had no idea that this was even a legitimate company. The reps were so rude. I repeat so pathetically rude that I ended up cussing because apparently they think that if I owe a bill which Im more than willing to pay, if I owe it that theyre gonna be allowed to cuss and carry on and be rude and arrogant and hottie that does not follow the rules of Bill collecting I will call the company myself and Im gonna tell them just tell awful this collection. Bureau is then they blocked me so I couldnt even figure out who they were, if youre gonna have reps like that work for your company collection bureau you should be ashamed of yourself. Im gonna continue to turn you in. You have rules to follow those rules include polite, kind caring people you broke every rule for **** collecting and hours of time to figure out who you were to try to login and build an account to get someone to call me back as I do on a business, you are a pathetic example of a bill collection organization. Will not recommend you and am calling urgent care to find out how this bill got in collections and pay it and I am going to speak to the doctors and ask them to never use your company again.
  
  Regards,
  
  *********************

  Customer response

  07/27/2024

  What I would like to focus on here is the rude employees. I couldnt get anything out of them productive and I will not as an owner of a small business deal with hedge, hunter, rude collection bureau agents, they To follow, including, but not limited to be nice to the public be kind be caring dont over Talk. The Public dont be condescending when you talk to the public. I have never dealt with the collection bureau that has this level of disgusting people first of all I thought it was a scam because they sent me a text message and then when I tried to verify if it was a scam or not, I still thought it was a scam because the people were so pathetically rude, I will not tolerate this. I will turn them into their bureau that gives them their license to be a collection bureau. The state license bureau thing thank you for your help. 

• 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.

*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. ↩