Complaints

This profile includes complaints for OAC Collection Specialists's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  OAC Collection Specialists

  908 8th Ave Baraboo, WI 53913-1247

• 

  OAC Collection Specialists

  PO Box 500 Baraboo, WI 53913-0500

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:10/11/2024

  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.

  I had several ************ items done through *******************************. ALL bills and Explanations of Benefits (EOB) Had came in "somewhat of a timely manner" North shore Pathologist **** came but no EOB? I had called them to insure they had my Insurance information, Gave it to them again! On 12 Sept. 2023 I received a letter in Oct.2023 from Oliver Adjustment *** requesting payment? I told them that I never got an EOB from my insurance company and they never sent the bill to them? AGAIN gave the collection agency my insurance info. TOLD them I would pay the bill based on what my insurance company shows me to owe. The total bill is $767.91, my deductible $3,000 was nearly met if not totally met. I called several times to my insurance company asking if they had received anything A.) NO. I asked them to follow up with the pathologist, and they did. and still nothing! Nov and Dec. of 2023 I began receiving phone calls and a letter from OAC, threatening me for payment I AGAIN said it needed to be submitted to my ins. *** We are now in Oct. 2024 and I noticed this bill placed against my credit report. Called collection company and was lied to, stating their records showed I did not want this to go to my insurance *** as my deductible was too high to cover it anyway? Total amount of "billed" from this procedure was $4,640.65, with this bill added. ALL bills matched up to my ***'s and were paid, with the exception of this one, as there was no EOB! Based on my deductible this bill most likely would have been paid in FULL by my insurance company, had they submitted it! I am now being told by my insurance company that they reached out again to have it submitted, but most likely won't pay anything on it as it is over 1 year?!! In summary North shore did NOT do as hey should have, and Oliver **** as well did NOT follow through for payment and now ( in my opinion) unlawfully put this against my, what was an "Excellent" credit rating! I am asking to investigate. Thank you!

  Business Response

  Date: 10/14/2024

  We have reviewed this matter with North Shore Pathology, for which company we are attempting to collect this debt. The services had been provided to Mr. Koga on April 17, 2023. On May 30, 2023, Mr. Koga called our client and told them to list his account as a “self pay” account, meaning that he would pay the account himself and that North Shore was not to submit the claim to his insurance company.

  We have had several communications with Mr. Koga since the account was listed with our company on August 24, 2023.  We have advised him why the account was listed with our company and of the account status.  We have noted his dispute of the debt with the credit reporting agencies to which we report.

   

  Customer Answer

  Date: 10/15/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 22410650, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

  At no time would I have told  North shore pathologist (NSP) to submit the bill as "Self pay" I have over $4,640.65 of total bills from this procedure in which NSP, was involved! My ANNUAL deductible is/was $3,000 and was met well before their bill had ever been sent to me. ALL Bills matching the Explanation of Benefits (EOB) were paid with days of receipt. When I called NSP  I had also called my insurance company with which they also Contacted them to insure they had the right address for submitting. It is  to put it Bluntly A LIE that NSP, or OAC is stating I would have said this! They have (just prior to contacting the BBB) been once again asked to submit to my insurance company! 
  
  Regards,
  
  Christopher Koga

  Business Response

  Date: 10/15/2024

  We have not lied in our response, and we have nothing further to add.

• Initial Complaint

  Date:06/29/2024

  Type:Service or Repair 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.

  I'm not liable for this debt with OLIVER ADJUSTMENT COMPANY. I do not have a contract with this collection agency I did not sign any paperwork with OLIVER ADJUSTMENT COMPANY stating that I'll pay them or owe them any money. They did not provide me with the original contract as I requested.

  Business Response

  Date: 08/05/2024

  **************** account was listed with OAC, now PCC, on June 18,2021, with a balance due of $634.95, which is also the current balance.  Our contract to collect the debt is with our client to which **************** owes the debt, not with ****************.
  
  **************** disputed the debt in March 2024, and we mailed a reply to her dispute to her.  We have noted her dispute of the debt with the credit reporting agencies to which we report.  The debt has been reported correctly.
  
  If **************** would like to discuss the debt, we invite her communication.

• Initial Complaint

  Date:06/26/2024

  Type:Service or Repair 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.

  I had my second cancer surgery at ********** in *********, ** in 2022. In 2023 I started getting ****s from the Labs ****ing company. I was fully covered under ********* I noticed on the **** they were trying to **** ****************** instead of ********. I called them multiple times. I just kept getting different excuses. They told me that it would be ****ed correctly and would not go on my credit report. I checked again this year and it is on my credit report and dropped my score enough where I no longer qualify for my preapproval for a home loan. I have tried to contact them on multiple occasions and only get a recording. I am contacting a lawyer.

  Business Response

  Date: 07/24/2024

  At the request of our client, we cancelled and returned the accounts owed by ******************** on May 20, 2024.  We also submitted a deletion request to the credit reporting agencies to which we report on May 20, 2024.
  Further, our staff person spoke with ******************** on the telephone on June 26, 2024, and told her that the accounts had been cancelled and the credit reporting agencies informed.

• Initial Complaint

  Date:06/11/2024

  Type:Billing Issues
  Status:

  UnansweredMore 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 is a collection agency attempting to collect a debt from 2022. I have never received any bill for this debt and have been provided no way to pay this debt from the original party who sent this bill to collections. This is the first I have been made aware of this outstanding debt was when I was sent to this agency. I have resided at my place of residence for almost a decade and have had my phone number and email for decades. I would have been happy to pay any amount owed if any reasonable attempt had been made to contact me prior to being sent to the agency. Since that time the bill has had additional fees added.I have already disputed this bill (as the agency recommended) with no remediation.

• Initial Complaint

  Date:12/05/2023

  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.

  I received a phone call today, December 5, 2023, from Oliver Adjustment Company attempting to collect a bill allegedly placed with them by a health provider in 2019. I have no clue what they are talking about and they will provide me with no other information. I have no bills from either the provider or this organization. I contacted the provider and they are having to dig into their records to figure out what OAC is talking about. They told me I'm aware of this because I was on their website. I did have an account placed there in 2022 and I did pay it, so yeah, I was on their website. All I want is to know what they're talking about and why they've not contacted me in four years. It feels shady to me since they will not give me any information.

  Business Response

  Date: 12/12/2023

  I show that you have disputed this in our office, and we are sending out the dispute validation to you. We did attempt to contact you but were not able to reach you. 

• Initial Complaint

  Date:11/27/2023

  Type:Order 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.

  I AM LIABLE FOR THIS DEBT WITH ***** OPEN MRI. I do not have a contract with credit agency Oliver Adjustment Company of Kenosha & Racine, Inc. They did not provide me with the original contract as I requested.

  Business Response

  Date: 11/28/2023

  Oliver Adjustment Company of Kenosha & Racine, Inc.  no longer exists (it was bought out by another agency back in May 2022).  I believe ****************** may be looking for Oliver Adjustment Company, Inc.  out of *******, **.

• Initial Complaint

  Date:10/25/2023

  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.

  I am not liable for this with ***** SC, I do not have a contract with OLIVER ADJUSTMENT COMPANY, LP, they did not provide me with the original contract as I requested.

  Business Response

  Date: 10/26/2023

  You have filed your complaint against the wrong company.  Oliver Adjustment Company, Inc.  is located in ***********************  ************   **********.

• Initial Complaint

  Date:10/17/2023

  Type:Service or Repair 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.

  I have no knowledge of this debt. I have not received any notice and have disputed it, yet it's still on my report. It is absolutely absurd to claim someone owes a debt and offer no form of alerting them. I've been completely blindsided by this remark on my credit and it's unethical to treat people like this. This remark needs to be removed as I have not been properly notified, nor do I claim this absurd supposed debt.

  Business Response

  Date: 11/01/2023

  We received the dispute and sent out validation to the address that we have on file; *******************************************************************************************. If this address is incorrect, please provide ** with the correct address so we can send the information you requested again.

  Customer Answer

  Date: 11/01/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  This is the incorrect address- I have not lived there since 2016. A debt that is sent to such a wildly wrong address cannot be accurate.
  
  Regards,
  
  Orion ******

  Business Response

  Date: 01/02/2024

  The account in our office has been closed and was also requested to be removed from the credit bureau. 

• Initial Complaint

  Date:05/18/2023

  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.

  OAC contacted me about a bill that I do not owe. I do not have a balance with the company and want them to remove my information from their database, remove any negative remarks from all three of my credit reports, and stop contacting me.

  Business Response

  Date: 05/25/2023

  The account in our office has been closed and was never reported to the credit bureau. 

  Customer Answer

  Date: 05/25/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  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. 
  
  Regards,
  
  ***************************
  

• Initial Complaint

  Date:03/31/2023

  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.

  THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT TRIED TO RESOLVE WITH YOU ALL BUT REP WAS RUDE AND DISRESPECTFUL AND I ABLE CONSIDERING TAKING LEGAL ACTIONS. NO ONE LIKES COLLECTIONS PROFESSIONALISM GOES A LONG WAY

  Business Response

  Date: 04/04/2023

  Good evening,
  I am sorry that your call was not satisfactory. I have spoken to my employee and have given her some suggestions on how she could have handled this call. The accounts in our office do remain open for ********* Radiology Specialists. We show that they have been marked disputed per your request. Due to the Credit Bureaus new rule, they put in place for anyone furnishing to the credit bureau,the account for $324.00 was marked for removal as it is under $500. Although the account for $557.00 meets the new rule requirements, we have also put in a request for that account to be removed. Our collections manager did try to contact you on 4/3 to discuss your concerns, she left a voicemail. Please feel free to reach out to her at ************, her name is ******, and she would be happy to assist you.