ComplaintsforAmericollect, Inc.

• Initial Complaint

  08/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to file a complaint regarding the validation of a debt on my consumer credit report. I've received several calls which I've requested several times to be removed from the call list. This company calls and requests information about me without even validating who they are or what they are calling about. Despite multiple attempts to seek proof of validation, your company has failed to provide any evidence regarding a debt that does not belong to me. Furthermore, you have furnished this alleged debt on my consumer report and failed to validate the claim pursuant to Sec. 809(b) of the Fair Debt Collection Practices Act. As a consumer, I have a right to privacy and protection from inaccurate reporting on my credit report. Your company's actions have not only violated my right to privacy but also the permissible purpose of providing accurate information to consumer reporting agencies. According to 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand that these items be removed from my credit report immediately as it is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and my ability to obtain credit for personal and house purposes. Your inaccurate reporting has also damaged my livelihood. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers have a duty to provide accurate information. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

  

  Business response

  08/02/2024

  Please see attached

• Initial Complaint

  07/24/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to formally lodge a complaint regarding Americollect and to address a serious violation of my privacy rights.Americollect has obtained and disclosed my Protected Health Information (PHI) without my explicit consent or authorization. This unauthorized disclosure is a direct violation of the **************** Portability and Accountability Act (HIPAA) Privacy Rule, which mandates the protection of PHI and restricts its disclosure to unauthorized entities.Such a breach of my private health information is unacceptable and constitutes a significant violation of federal law. I demand the immediate removal of the collection account (Account Number: [Account Number]) from my credit report as a result of this violation.I expect prompt action to rectify this situation. Please confirm receipt of this email and provide a resolution without delay.Thank you for your attention to this critical issue.

  

  Business response

  07/25/2024

  Please see attached

  Customer response

  07/25/2024

  Thank you for your prompt and thorough response regarding complaint #******** associated with my account.

  
  I appreciate Americollect, Inc.'s efforts to address my concerns and initiate the verification process with the original creditor. However, I would like to emphasize a few key points that I believe warrant further consideration and prompt resolution.

  
  HIPAA Compliance and Unauthorized Disclosure: The Fair Debt Collection Practices Act (FDCPA) indeed prohibits the disclosure of debt information to third parties without consumer consent. Additionally, under the **************** Portability and Accountability Act (HIPAA), my medical information should not be disclosed without my explicit authorization. The nature of the debt being medical in origin raises significant privacy concerns. Any disclosure of my medical information to third parties without my explicit consent constitutes a HIPAA violation.

  
  Verification and Accuracy of the Debt: While I acknowledge that Americollect has requested verification documents from the creditor, I must reiterate that any inaccuracies or lack of proper documentation could significantly impact my credit standing unjustly. I urge Americollect to ensure that all information provided by the creditor is accurate, complete, and substantiated by clear, definitive evidence.

  
  Request for Deletion: Given the sensitive nature of the medical debt and the potential violations of HIPAA, I respectfully request that Americollect take immediate action to delete this account from my credit report. This request is made not only to rectify potential breaches of my privacy but also to prevent any undue harm to my creditworthiness stemming from unverifiable or inaccurately reported debt.

  
  Responsibility for ************* Updates: I understand that Americollect cannot guarantee the actions of Equifax, TransUnion, or Experian. Nevertheless, I urge Americollect to follow up with these credit bureaus to ensure that my dispute is accurately and promptly reflected. Clear communication and diligent follow-up will help mitigate any further negative impact on my credit report.

  
  In conclusion, I appreciate the professionalism and respect demonstrated by Americollect in handling this matter. I hope that my concerns will be addressed swiftly, and that the necessary steps will be taken to resolve this dispute by removing the medical debt from my credit report.

  Best
  
  ***********************

  

  Business response

  07/26/2024

  Please see attached

  Customer response

  07/27/2024

  Please respond back with a definite, yes, on the account deletion and we can settle this at this exact moment.

  
  Regards,
  
  ***********************

  

  Business response

  08/05/2024

  Please see attached

  Customer response

  08/05/2024

  Dear Americollect, Inc.,

  
  I am writing in response to your recent communication regarding a discount offered by ******* Emergency Physicians on my outstanding balance.
  It has come to my attention that Americollect, Inc. does not work directly with ******* Emergency Physicians and that the information provided in your letter is inaccurate.

  To verify this, I contacted ******* Emergency Physicians directly. They confirmed that they sold my account to ********************** for a fraction of its value back in 2018 and no longer have any involvement with this account. They also stated unequivocally that no communication regarding a discount was made between their office and Americollect in the last 60 days.
  Given this, it is clear that the statement provided by Americollect regarding a 50% discount negotiated with **************************** is false.

  This misrepresentation of facts is not only misleading but also undermines the trust required for resolving this matter, i need this removed 100% before my attorney is involved, he is now aware of this lie.

  In light of this, I am requesting the following actions from Americollect:

  Correction of Information: Please provide accurate information regarding the status of this account and any genuine offers available for resolution.
  Explanation of Miscommunication: An explanation of why false information was provided in your previous communication.
  Consideration of a Fair Settlement: In light of the fact that **************************** sold the debt to Americollect at a significant discount, I request a complete deletion of account.

  I expect prompt action and transparency in addressing these concerns. Please respond with accurate and verifiable information regarding the deletion of this account.

  Thank you for your attention to this matter. I look forward to your timely response.

  
  Sincerely,

  ***********************
  
  

• Initial Complaint

  07/23/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  My father in law is deceased and I sent a death certificate and advised them he doesn't have an estate. My mother in law passed 2 years prior but this agency advised me they would need to talk to one of them.

  

  Business response

  07/23/2024

  Please see attached

  Customer response

  07/23/2024

  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.
  
  [Please confirm if the debt will be removed as a death certificate has been supplied]
  
  Regards,
  
  ************************************

  

  Business response

  07/24/2024

  Please see attached

  Customer response

  07/24/2024

  [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

  07/22/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and I have felt suicidal lately as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.AMERICOLLECT 105386**These account are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft (as defined by the ************************** and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the ***** which holds your agency liable for damages of at least $1,000 per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report!DELETE THESE ITEMS AND ISSUE ME A NEW, UPDATED COPY OF MY CONSUMER REPORT!

  

  Business response

  07/22/2024

  Please see attached

• Initial Complaint

  07/19/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am submitting this complaint regarding a debt collector who persistently contacts me and has reported a debt on my credit report. I do not recognize this debt or the creditor, and I am unwilling to pay it. Despite my lack of knowledge about this debt, the collector continues to report it, affecting my credit score. I seek the Attorney General's assistance in resolving this matter and stopping these unwarranted contacts and credit reporting.

  

  Business response

  07/22/2024

  Please see attached

• Initial Complaint

  07/05/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I may have been a victim of identity theft coz when I acquired my credit report last few weeks ago, I was shocked to find out that there were addresses there that I never lived in, accounts that I never opened, inquiries I never made and variation of my name such as ***************************. I have contacted the creditors to make them know of the breach. I also found this account that I believe not mine:Acct name: ******************** *** (Original Creditor: EMERGENCY RESOURCES GROUP)acct no. 8526****date opened 02/01/2020 balance $900.00 I am not liable for this debt and I do not have a contract with:Company: AMERICOLLECT *** Address: ******************************************************* Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus and the authorization for release of information. I also filed complaints thru CFPB. Please delete this account from my credit report at once. Any questions or concerns I can be reached at ************************************ and email at [email protected] need a response from the company.

  

  Business response

  07/08/2024

  Please see attached

• Initial Complaint

  07/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  A medical debt was transferred to this company while I was making payments. This company sent me a bill to pay the debt in full. I contacted them and said I needed to make payments as I could not pay it in full. The woman on the phone said that was fine, I could send in the payment and the account would adjust for monthly payments. The following month I get another bill for the full amount due. Again, I call and now I am told they don't do monthly payments as they are a debt collector and will not bill me monthly. The woman on the phone emails me a link to use to access my account and make a payment. The following month I try the link to make a payment and the link doesn't work, I am unable to sign in and access my account. I never get another bill in the mail for the account. How am I to pay if they don't update my account and send a bill to pay. If I had an account number I would provide one, but this company apparently just wants us to blindly send them money without any account update or accountability to the account. Different information is provided every time I talk with them. I have no issues making monthly payments, but I do need a monthly statement that shows payment was received and what the new total due on the account is - just like every other bill that is paid.

  

  Business response

  07/03/2024

  Please see attached

• Initial Complaint

  06/25/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Hi AMERICOLLECITON **** This is HIPPA violations and i never had relationship with your company. I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).According to 15 U.S.C. 602(a), I am entitled to privacy, and 15 U.S.C. 604(a)(2) specifies that a consumer reporting agency cannot furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question.You have violated my rights under the following sections of the FDCPA:1. 1692d: By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action.2. 1692e: By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following: * 1692e(2)(A): False representation of the character, amount, or legal status of the debt in the collection letter. * 1692e(5): Threatening to take legal action that cannot legally be taken or is not intended to be taken.3. 1692g(b): By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter.4. 1692f: By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein.I demand the immediate deletion of this account from all credit reporting agencies. Your actions have significantly impacted my credit report and overall financial wellbeing, and I expect prompt rectification of this issue.

  

  Business response

  06/27/2024

  Please see attached

• Initial Complaint

  06/20/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I recently reviewed my credit profile and found that It is several accounts reporting incorrectly. AMERICOLLECT *** placed this debt on my file which is not mine nor balance is correct. Please review, verify, and delete these accounts. I am not liable for this debt which I was not provided a contract nor reasonable evidence of owning this debt. I have requested the furnisher to send a copy of the original agreement and am still awaiting on a response. Please remove this account.

  

  Business response

  06/20/2024

  Please see attached

• Initial Complaint

  06/20/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this **** with charter communications, I do not have contract with AMERICOLLECT, they did not provide me with the original contract as i requested.

  

  Business response

  06/25/2024

  Please see attached

*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. ↩