Complaints

• Initial Complaint

  06/02/2022

  Complaint Type:

  Billing Issues

  Status:

  Unresolved

  More info

  There was a balance on my medical account with Ketchikan ******** center in the year of 2018. I am a military spouse and this was the year of our premenant transfer to a new station. I never received notification from the medical provider nor the collection agency assigned the debt. I was not even made aware of the problem until May of 2022 when I setup a hard credit check due to a denied credited card. When I called to explain this to the collection agency and request that the discrepancies to be removed from my record due to me not being aware, the owner proceeded to argue with me and repeatedly ask me was I not aware of the debt nor did I visit the doctors office. Which clearly, I was trying to explain I was not aware. The owner was very unprofessional and confirmed with me over the phone that his company as well as the medical office had been sending the document to the wrong address for years. Originally the old address and then when the new address was obtained, it was still recorded incorrectly. I called the ********** in May and confirmed that they had been sending mail to the old address for the last 5 years when a change of address form is only valid for 6 months after the move. Upon moving, I informed the office I was moving and was told I had no balances with a paid in full record. I also reached out to my insurance company due to not information being received about the matter from them either. I requested payment records from the *** center, requested today 6/2/22 from the owner a copy of debt validation/verification Letter per my credit Bureau, and will reach out to my insurance for explanation of benefits for this charger. Please help me is dispute to get these discrepancies removed from my record when proper protocol was not followed nor a phone call made to verify documentation was being sent accordingly.

  Business response

  06/03/2022

  Dear BBB

   

  Northern Credit does have an account from Ketchikan ********* they billed *************************** six times before turning it over for collections. We billed her at her Old address till **** gave a new 

  address, we then billed her six more time and made four tries with phone to no help. I got a call from her on 6/2/22 wanting a billing sent to her. It was mailedl on 6/2/22.  I called ****** at Ketchikan eye care,

  said the debt is still owed. Let me know if I can help more

   

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

  CEO, NCS

  Customer response

  06/03/2022

   
  Complaint: 17304822
  
  I am rejecting this response because:
  
  I never received any of the documentation that the business claims they sent nor have I ever received a phone call from neither the medical provider nor the collection agency in the last 5 years. I have had the same cell phone number for over 9 years so they would have reached me if they did so. When I called on 6/2/22, I request per my credit Bureau a debit validation and verification Letter which at that time the owner admitted without even verifying if I was the individual with the debit, that the supposed updated address from **** was incorrect. Then proceed to chastise the customer about not knowing if I went to the medical provider as if I do not understand how providering a service works which is completely irrelevant to my request. I proceed to explain to the owner that before moving from the state, I was informed by the medical provider that my account was current due to having insurance and paying all co-pays in full. So unless the provider or the collection agency notified me of the debit, it would have been paid right away. My insurance provider could not provide me with information about this claim so I require verification.Sincerely,
  
  ***************************

  Business response

  06/07/2022

  REGARDING THIS COMPLAINT. TRIED TO EXPLAIN TO *************** THAT THIS WAS A VALID DEBT, THAT HER VALIDATION LETTER WAS SENT TO THE ADDRESS SHE GAVE TO THE PROVIDER.

  TRIED TO WORK WITH HER REGARDING THIS UNPAID DEBT AND ALL SHE WANTED TO DO WAS ARGUE THAT IT SHOULD BE REMOVED FROM HER CREDIT. PER FCRA WE REPORT ALL DEBTS

  TO EXPERIAN AS PAID OR UNPAID. HOPE THIS HELPS.Tell us why here...

  Customer response

  06/10/2022

   
  Complaint: 17304822
  
  I am rejecting this response because:
  
  I still have not received proper professional lettering from this agency regarding this debt and it is now 6/10. No explanation was given as I stated calmly before and requested correction due to both companies mistakes which was met with anger as you can see in the response.Sincerely,
  
  ***************************

  Business response

  06/14/2022

  SINCE WE HAD NO RESPONSE TO OUR LETTERS, IN APRIL ********************************************** WASHINGTON AND PER FDCPA WE CAN NO LONGER WORK THE ACCOUNT ONCE

  THEY BEGAN WORKING IT. 

  Customer response

  06/17/2022

   
  Complaint: 17304822
  
  I am rejecting this response because:
  
  Every correspondence from this agency presents new information never discussed which again is extremely unprofessional. It's a new excuse every time without providing what by law they are required to provide when the customer requests it. If the Debt was transferred to WA back in April of 2020, this agency should not be reporting as a debt for them to collect. It is now June of 2022, and the owner verbally told me he would not stop claiming the debt. I feel this is illegal and to avoid legal action the owner is pushing words around. Either you have to required paperwork to move forward with my requests or you stop all reporting moving forward.Sincerely,
  
  ***************************

  Business response

  06/21/2022

  This is the last time I will response, I tried to help but ************** keeps lying about this all, she can contact Associated Credit Services 

  at ***************************************************************************** 99216

   

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

  Customer response

  06/24/2022

   
  Complaint: 17304822
  
  I am rejecting this response because:
  
  ************ has been providing false information from the begin of our interaction. This just proves that the owner never handled this situation professionally nor has the legal documentation required to continue to report debt to my credit. BBB please move forward with whatever needs to happen in order to make sure this does not happen with any other customer from this agency Sincerely,
  
  ***************************

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