ComplaintsforFinancial Corporation of America

• Initial Complaint

  06/03/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  ************************ and White stopped sending me statements and my account went into default. They sent my account to a collections agency (Financial Corportation of America). Reference #: ********. 3/1/22 Paid $1908.06 via electronic draft. I spoke to ***** @ 8:20AM (extension ****) and was told that if I pay half, my **** will be considered paid IN-FULL. 3/14/22 @ 9:11AM spoke to ***** to get copy of receipt of payment. She said that FCA has issues posting ACHs on their side. 4/1/22 Spoke to ***** @ 10:11AM. She said that BSW doesn't adjust the account to $0.00 until FCA sends BSW a statement. FCA's statement goes out in 7 days and it can take up to 4/8/22. She sent email to ******* and ****** (FCA employees). 4/7/22 Spoke to ***** and she said that they would adjust my account to $0.00. 4/11/22. Spoke to ***** at 8:07a. She said that they will adjust the amount to $0.00 within 20 days. 5/5/22. Spoke to *****. She sent email to her supervisors to expedite my balance adjustment. 6/2/22 My balance has not been adjusted to $0.00 as promised by FCA.

  Business response

  06/16/2022

  TFinancial Corporation of America
  Response to Complaint 17303175
  
  
  Financial Corporation of America is in receipt of the above referenced complaint from ********** Ton.  Following an investigation into the matter, FCOA provides the following response:
  
  FCOA was assigned an account in the name of ********** Ton by their client, **********************************************************, on 2/7/22. The validation notice was sent to the address of record on 2/15/22. The consumer contacted FCOA on 3/1/22 and paid the settlement amount by *** payment. The *** payment was credited to the account on 3/14/22 with an effective date of 3/1/22. The balance was adjusted to zero on the account in FCOAs system on 4/6/22.
  Agency received payments are reported to the client on the monthly statements once the month has closed.
  The settlement adjustments are posted after the month closes and statements are completed. Once the adjustments are posted on the agencys end a billing indicator is placed on a file which is sent to the clients work-que.
  
  
  Resolution: FCOA has sent an urgent message to the client requesting that they adjust the balance on the account to zero immediately.
  
  
  Should anything further be required, please do not hesitate to contact us.ell us why here...

  Customer response

  06/27/2022

  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. As of 6/27/22, BSW has adjusted my balance to $0.00 per my agreement with FCA. 
  
  Regards,
  
  Hoa Ton

• Initial Complaint

  04/17/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On March 21, 2022 I called New ***************** Maps Practice about a item on my credit report from Financial **** of America. I found out they do the anesthesia for the hospital I visit for my surgeries because I had never been to this medical office. They gave me a number to call Financial **** of ******** I called talked with a representative about item on my credit report. Paid my **** and was told they will report to credit bureau and have remove. They reported a few days ago but did not have it remove. Ive had 3 surgeries sin February this year because I was diagnosed with cancer. When Im out of work have no other income but the disability money I receive and I try my best to pay all I can.

  Business response

  04/27/2022

  .Financial Corporation of America
  Response to Complaint 17026258
  
  
  Financial Corporation of America is in receipt of the above referenced complaint from *****************************.  Following an investigation into the matter, FCOA provides the following response:
  
  FCOA was assigned an account in the name of ***************************** by our client, New ***************** Maps Practice, on 11/29/21.  Statements were sent to the address of record on 12/6/21, 1/21/22 and 3/7/22. (Note: The address of records is the same address listed on this complaint.)
  A call was placed to the telephone number listed on the account on 12/20/21 with no answer and no message left. (Note: The telephone number on the account is the same telephone number listed on this complaint.)
  A dispute was received through Experian on 3/14/22. The consumer stated she was disputing because she did not recognize the debt. The account was protected from further collections while validation documents were requested from the client.
  
  A call was received from the consumer on 3/17/22. The consumer asked for information regarding the client and them asked what would happen to the credit reporting if she paid the account in full. FCOAs representative informed the consumer that the tradeline would be updated to reflect the new balance on the account.The consumer asked if the tradeline would be deleted and the representative informed her that it would not be deleted, only updated. The consumer stated that updating would not help her and terminated the conversation.
  
  Another dispute was received through Experian on 3/26/22 in which the consumer stated that the account was paid in full and that the creditor had said the tradeline would be removed,
  
  The account was pad in full on 3/28/22. Credit reporting was updated to reflect the pay off on 4/11/22
  
  
  Resolution: The account was reported to Experian accurately. There is no grounds to remove the tradeline.
  Note: Our current understanding is that the credit reporting agencies will no longer be displaying paid medical debts as of 7/1/22.
  
  
  Should anything further be required, please do not hesitate to contact us..

  Customer response

  04/27/2022

  Complaint: 17026258
  
  I am rejecting this response because:
  What was said and discuss is not accurate. I called ******** Maps first of all to find out what I was being billed for from a company I had never heard of nor visited before. I may have received billing from the collection agency before but never stressed the issue because I had never visited facility, therefore assumed I had no reason getting a **** from them. During this time in my life I had a lot going on trying to take my 75 year old sister back and forth to doctors for cancer treatment. Which she lost of fight in January. To find out in February I myself had to face that journey again fighting cancer myself. My mind at that time for trying make certain my sister had more time on this earth God willing. Correct words from conversation was I called talked with representative about an account I had with them for ******** Maps. I explained to him I did not know what this company was until I talked with lady from facility. I explained to him I wanted to pay off this **** and asked was he going to remove from my credit report. I was told yes he was going to update **** and have remove. The representative was very helpful, polite and respectful. I paid my ****, got my confirmation number and thanked him. No words whatsoever came out my mouth asking him what would happen. My intentions all along was to pay off this debt after I found out what it was really pertaining to. I took him as his word, thanked him and disconnected phone call.
  Regards,
  
  *****************************

• Initial Complaint

  02/10/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  BSWH- ********** erroneously sent our final **** to FCOA. We have disputed the portion of the ****. I have call them 10 times already and left mutliple messages to their dispute department. Its been a month and no one has either contacted or even responded to me. I am worried that our credit history will be impacted with this. Their customer service is horrible and I would like someone to contact asap regarding this. Ref # ********

  Business response

  02/17/2022

  Financial Corporation of America
  Response to Complaint 16749860
  
  
  Financial Corporation of America is in receipt of the above referenced complaint from Sudup ****.  Following an investigation into the matter, FCOA provides the following response:
  
  An account was assigned to FCOA on 12/29/21 for a minor child and a responsible party by the name of ***********************. The initial letter was sent on 1/4/22 and a call was received on 1/13/22 from a male who identified himself as the minor childs father. He disputed a charge on his billing and the account was forwarded to the dispute department for investigation. On 1/17/22, a response was received from the client, ************************ and the account was set for a letter to be sent to the consumer. On 1/31/22, the consumer called and was verbally advised of the clients response. He still disputed it so a request was sent to the client for clarification of their response. That clarification was received on 2/11/22 and a response letter is set to be sent to the consumer.
  Resolution: The account has not been credit reported and the clients response will be sent to the consumer no later than 2/18/22.
  
  
  Should anything further be required, please do not hesitate to contact us.us why here...

  Customer response

  02/18/2022

  Complaint: ********
  
  
  I am rejecting this response because: the business did not contact me today as of 4:42 pm CST. This is the exact problem with the business where I contacted 7 times and left several voice messages. I don't understand how a collection company operates like this. I am still waiting for their response and this is very stressful and time consuming to continue to follow up with them.
  
  
  Regards,
  
  
  *******************
  

  Business response

  03/11/2022

  A letter was sent to the address of record on 2/18/22 detailing the client's response to the dispute. A copy of the letter is being placed in the mail today, 3/11/22.

  Customer response

  03/11/2022

  Complaint: ********
  
  
  I am rejecting this response because:I already mailed the check with payment due to their delay on responses. I was fearing that my wife's credit report would be impacted due to their lack of response.
  
  
  Regards,
  
  
  *******************
  

• Initial Complaint

  10/27/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  ****** ANESTHESILOGY PRACTICE SEND ME TO COLLECTION DO TO KNOWN PAYMENT FOR A SERVICE THAT I NEVER GOT A **** FOR I HAVE BEEN TRYING TO REACH FINANCIAL CORPORATION OF AMERICA FOR OVER A MONTH TO RESOLVE THIS MATTER WITH NO SUCESS NOBODY CALLS ME BACK

  Business response

  11/02/2021

  Financial Corporation of America
  Response to Complaint 16066694
  
  Financial Corporation of America is in receipt of the above referenced complaint from Olenmy Rojasa.  Following an investigation into the matter, FCOA provides the following response:
  
  An account in the name of *********************** was assigned to FCOA by their client, ********************* Practice, on 8/16/21.  An initial letter was sent to the address of record on 8/20/21 and calls were placed on 8/19/21 & 8/31/21. The consumer returned to call on 8/31/21 and advised that she never received a **** from the client and a letter was received on 9/1/21 reiterating this dispute. The account was placed on the dispute desk and the client was contacted.
  The client responded that they showed 3 statements were sent to the address on file and no return mail was received. A member of the disputes team did contact ************** and advised her of the clients response and discussed what might have occurred to cause the confusion over the billing. The consumer then withdrew her dispute and paid the balance in full.
  Resolution: The consumer has withdrawn her dispute and paid the balance in full.
  
  
  Should anything further be required, please do not hesitate to contact us.ell us why here...

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