Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:03/21/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Giving out private information, such as address phone number social security information

  

  Business Response

  Date: 03/21/2025

  We take employee concerns seriously and appreciate the opportunity to provide clarification regarding the complaint filed by ************************************
  
  At no point did our company disclose any private or sensitive information of our employees. As soon as we were notified of fraudulent tax filings involving our employees, we immediately took appropriate action,including:
  
  Investigating the Matter: We launched an internal review and engaged external industry experts to ensure our systems were not compromised. Our investigation confirmed that there was no breach of **** systems.
  Engaging Payroll Provider: We opened an investigation with our payroll provider to determine if there was any unauthorized access to payroll data. This investigation is still ongoing, and we are awaiting final conclusions.
  Reporting to Authorities: We reported the incident to the ************************ (***) and sought to report it to the ***, but the *** advised that each affected employee must file their own fraud report. Additionally, we contacted the Social Security Administration (SSA) for further guidance. We followed all instructions provided by these agencies to ensure proper handling of the situation.
  Providing Support and Guidance: We promptly communicated with all employees, providing them with clear steps to mitigate risk and protect their identities, including instructions on filing an IRS Identity Theft Affidavit (Form *****), placing fraud alerts on credit reports, and obtaining an Identity Protection PIN from the IRS.
  
  We understand that fraudulent tax filings can create stress and inconvenience for affected individuals, but this type of identity theft is unfortunately widespread and not specific to our company. While we are doing everything possible to investigate and support employees, we cannot be held responsible for losses resulting from external fraud committed by unknown third parties.
  
  We remain committed to assisting our employees in mitigating risk and will continue to provide updates as the investigation progresses. If further clarification is needed, we are happy to provide additional information.
  
  Sincerely,
  

• Initial Complaint

  Date:01/24/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On March 6, 2024 I was transported to the Flagler/UF Health *********************** ************* by fire rescue. I spent approximately 2.5 to 3 hours in the ** before being discharged. During my time there I received an EKG, and a CT scan. I also was asked for a urine specimen as I was walking out the door. I was given very little in the way of a diagnosis. I had my sister with me the entire time and at discharge. I was never unconscious or without my faculties.After leaving the hospital and receiving my first bill I noticed a problem as insurance was not paying on the bill. I called Florida Blue to inquire as to why everything on the bill was rejected. As the representative began checking they noticed an old Florida Blue number had been used. I called the billing department of Flagler/** to inform them they had used an old number for billing. I also told them I couldn't understand how that could happen since the doctor had taken my insurance card and DL. They said they would resubmit, but also stated I would have to contact each department as they all bill separately. I spent the rest of the morning contacting all involved. I later received a bill from the hospital which I promptly paid $67.00. I never received another bill. In late October I received a debt collection letter for $1100 for Flagler/UF health. I contacted *** asking for a detailed copy of the bill, which they sent. I replied to BCA that the bill is incorrect as I never had bloodwork done and the bill needed to be reviewed. I also stated I would be contacting the hospital about the bill. I informed them this bill is being disputed expecting not to hear from them again until it was resolved. I sent a letter to Flagler/UF stating the problem with the bill and asking for it to be revised without the bloodwork, which I did not receive. I have heard nothing from Flagler but as of January 23, 2025, I received another unrevised copy of the ******* **** from BCA.

  

  Business Response

  Date: 02/05/2025

  Dear Ms. ************************ you for reaching out to BCA Financial Services. We appreciate the opportunity to address your concerns.
  
  We confirm that your payment of $67 has been received and applied to the account in question. Additionally, we have updated the account status to reflect your dispute, ensuring no further collection activity occurs while the matter is reviewed.
  
  After engaging with our client, we have been advised that the account balance was adjusted to remove the items you referenced in your complaint before it was placed with our office and the remaining balance has been verified as accurate.
  
  To further assist you, we encourage you to email **************************** with any updated insurance information for our review. If you would like to request or review your medical records, please include that request in your email, and we will facilitate the next steps accordingly.
  
  We sincerely regret any inconvenience this matter may have caused and remain committed to providing professional, respectful service to all consumers. Should you have any additional questions or require further assistance, please do not hesitate to reach out.
  
  Regards,
  
  BCA Customer Experience Team
  

  Customer Answer

  Date: 02/05/2025

  This is a copy of the original bill that was sent to collections and sent to me. The items marked are for bloodwork that was never done. These clearly do not show an offset of the charges. I refuse to pay for services that were never done. If this cannot be resolved through the BBB, I will not have any choice but to seek legal advice. 

  Customer Answer

  Date: 02/05/2025

   
  Complaint: 22853617
  
  I am rejecting this response because: the majority of this bill is for services not rendered. I have included a copy of the bill with the services for blood work marked. I did not have bloodwork done during this visit to this hospital.
  
  Sincerely,
  
  ***** **********

  

  Business Response

  Date: 02/19/2025

  Since our office does not have an official HIPAA release,we are not at liberty to disclose specific information regarding the services and issue at hand. We have, however, requested our client print and send the consumer complete medical records to show the specific information as to the services that have been removed and the services that remain on the account.  We were able to confirm there were in fact charges that were removed from the balance of the account and those that remain are services that were rendered which will be indicated on the medical record. 
  

  

  Business Response

  Date: 02/19/2025

  In order for us to provide additional details on this platform, yes, we would need the release however the medical records that are being sent to the consumer should assist the consumer in understanding what charges were removed and what charges remain.  

• Initial Complaint

  Date:07/16/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This complain is addressing unethical billing issue. I went to the hospital back in November, in December and January I received final bill notice of under $200 which I paid. Attaching screen shots of their bills as well. Bills stated insurance covered everything else. I had funds at the time but since **** said all was paid I used up my funds on other health care needs. Now in May I get a bill of $2093 I call manager who told me to start a review which I did. She also assured me I was not going into collections and to send a review email out Her name was ******. Now beginning of June I find out my bill has been sent to their collection agency in house and it was not reviewed. I also had insurance on the line with ******** who said this was never adjusted and my responsibility was always this amount of $2093. ******** made a mistake stating insurance covered everything and now I am out of funds. I am requesting cancelation of this bill its not legal for then to do this. Also not legal for them to send me one notice and send me to collections. I checked all my emails for my chart and never did they send me a notice of this new amount. Also recently spoke to Manager ************************* who also has not gotten back to me on this matter. Screen shots attached clearly clarify that ******** noted all was paid. I am a person which a very high credit score and never ever had this issue. Hospital is unethical. This was illegally sent to this collection agency and I have started a review with them as well but no response. Per above I have documents that show bill was zero and they stayed all was paid by insurance. They cant bill me 6 months later because they made a mistake, I dont have those funds anymore!

  

  Business Response

  Date: 07/26/2024

  Dear ****************,
  
  Thank you for reaching out to us via BBB inquiry. BCA Financial Services, Inc. (BCA) understands your concerns with the account referenced being placed with our office. After reviewing the matter internally and with our client, the account has since been removed from our office and the balance has been adjusted to $0. Our client also advised that they have mailed you a letter on July 17, 2024, explaining the resolution with the account. We apologize for any inconvenience this may have caused and are pleased the matter has been resolved accordingly.
  
  Sincerely,
  
  *************************
  BCA Financial Services
  *******************************************
  **********************

  Customer Answer

  Date: 08/05/2024

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

• Initial Complaint

  Date:05/30/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 5/30/2024 I received a call from claiming to be BCA Health, asking for information about a family member. The person just kept saying it was a personal matter, but didn't give any information about anything. When I told them I don't know who they were (the caller) to be giving them any information, they said "Thank you for your time" and hung up. If it was a legit call, sorry, but I need more info about something to proceed. Googling "BCA Health" doesn't come up with anything recognizable. The phone number used comes to BCA Financial, which could be who was calling, but how would I know.

  

  Business Response

  Date: 05/31/2024

  ********************,
  
  Thank you for reaching out to us via the BBB inquiry you have filed relating to your recent communication with BCA Financial Services,Inc. (BCA). We understand your concern our office wouldnt provide information as to the reason for the call which subsequently led to the call being terminated. We know this may be inconvenient for you and apologize for any frustration you may have experienced.
  
  To ensure the security and privacy of personal information,we have strict policies in place that require, by law, verification of identity before discussing any detailed information as to the call. Unfortunately,during our recent communication, we were unable to verify your identity as you did not provide the necessary information. This verification process is a critical step to protect personal information from unauthorized access.
  
  We value your privacy and information which is why we must adhere to these protocols. To resolve your issue as quickly as possible, we kindly ask that you contact us again and provide the required verification information. Once your identity is confirmed, we will be more than happy to assist you with your concerns.
  
  Please contact our team ************** or ************** or via email at ******************************** may also visit BCAs website to complete a contact form which will be reviewed and responded to accordingly.We are committed to providing you with the best possible service and look forward to resolving your issue promptly.
  
  Thank you for your understanding and cooperation.
  
  Sincerely,
  
  
  *************************
  BCA Financial Services
  ******************************************************************************************

• Initial Complaint

  Date:03/18/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 2 separate dates one 1/10/23 and 3/3/22 I was incorrectly charged from the provider I tried multiple times to correct the issue even with the insurance companies help. ***** called them multiple times and stated as an in network provider they could not charge more than they were entitled to. They continued to send the bills then sent me to collections at which time the collections agency is saying that the *** statements are not final. ***** tried calling the collection agency and they would not speak with them. They are charging more than they are allowed and will not give proof of how I owe what they claim.

  

  Business Response

  Date: 03/25/2024

  Thank you for bringing this to our attention, We take complaints seriously and appreciate the opportunity to resolve.  We reached out to the creditor and were successful in getting the balances reduced to reflect the same amounts depicted on the explanation of benefits provided by the consumer ($13.64 and $62.14).  We believe the issue has been resolved. 

  Customer Answer

  Date: 03/30/2024

   
  Complaint: 21450412
  
  I am rejecting this response because: I am glad that this has been finally corrected after almost a year of the back and forth but I still have not received the corrected bill and was told in the past it would be corrected.
  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:09/09/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  BCA Ref # ******** ***** account # ********** *********** is attempting to collect a debt as a third party that has already been paid to the first party. I emailed them proof and sent them hard copies via certified mail on 8/22/23. I received another letter 9/9/23 dated 9/5/23 asking me to "please call to discuss the above mentioned account". This company is aware that notifications of debt must be sent in writing, additionally it is in violation of its requirements to 1) provide me with verification that the debt is owed, 2) provide me a contact number and person I could speak to in the ***** collections department (the original debt holder). Their 9.5.23 letter was issued to me even after having provided them clear proof that the debt was paid months prior to their obtaining access to my account. They are continuing to harass me while knowing the debt has been paid which they are not allowed to do. The original debtor ***** *********************** was paid on 4/15/23, the check was cashed and cleared my parents account on 4/19/23. The check contained my ***** account number as was for the full amount of the original debt. ***** did not update their records and passed this collection onto BCA who is ignoring the proof. I do not acknowledge or have any responsibility towards BCA Financial nor ***** ***************************** as this debt was paid in full. I am attaching the same proof I submitted to BCA and records of the certified mail and email sent to them. I am seeking a billing adjustment to reflect zero balance due, a correction to any negative credit reporting done, and no further contact from the company after is has verified and provided proof in writing via the BBB that this has been done.

  Customer Answer

  Date: 09/10/2023

  I forgot to provide a copy of the *** Financial "response" to my request to clear my account. They did not provide me with written confirmation of the debt nor proof that this payment was not received, they did not verify the debt in other words. They requested I call them trying to imply that this could be resolved via a phone call when the laws require written response. They did not provide a direct contact to the ************************ in house collection department which they are also required to do.

  

  Business Response

  Date: 09/12/2023

  Thank you for bringing this matter to our attention.  We take complaints seriously and appreciate the opportunity to resolve.  As shared by the consumer, our creditor client placed this account with our office on 8/15/23.  The consumer thereafter provided our organization with proof of payment which we immediately forwarded to our creditor client and requested they confirm receipt of the payment.  We received a response back from them stating the account had in fact been paid.  Immediately upon receipt of that notification, the account was marked as paid in full in our office and closed.  This account was never reported to a credit reporting agency and had no impact on the consumer's credit report. Thank you. 

  Customer Answer

  Date: 09/12/2023

   
  Complaint: 20580835
  
  I am rejecting this response because: I would like a visual copy in the form of a JPEG or PDF from BCA Financial showing that the account is closed and the debt was paid in full in BCA systems. Additionally I would like a copy of the communication your received that RWJBH that proves that they acknowledge the debt was satisfied on their end as well. I apologize for any additional inconvenience this may cause BCA Financial, however I have been told previously told that things were done on the proprietary computer systems of both these businesses when in fact the changes were not made internally. In an effort to avoid any future issue either between companies or internally with different departments of BCA Financial, I would appreciate documentary/visual proof that the change was completed in your accounting systems. Otherwise, I have no written record that the updates to the account were fully executed and he account closed.
  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 09/20/2023

  We sincerely apologize for any inconvenience this may have caused.  We have diligently been following up with the creditor to get this resolved. As requested, attached is a paid in full letter on our company's letterhead as well as a paid in full statement from the creditor. 

  Customer Answer

  Date: 09/20/2023

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

• Initial Complaint

  Date:06/26/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company says I owe them money, but fail to offer me any support for what the collections is. I have emailed their support and called several times and have never gotten an answer. They asked me to leave a message and never called me back.

  

  Business Response

  Date: 06/28/2023

  Thank you for bringing this to our attention.  We spoke with the consumer on 6/27/23.