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Complaint Details
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Initial Complaint
07/15/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with **** Home Inspection LLC. I do not have a contract with Medical Commercial Audit. They did not provide me with the original contract as requested.
Business response
07/16/2024
She wrote a bad check for the inspection, see attached. We did send her proof of debt back in 2019 when she requested it. We have talked to her several times. The name on the check and her current email she put on this dispute, matches. Her current address on S Meramec links to the address on the check where she was from 2019-2020. The check is her contract.Customer response
07/18/2024
Complaint: 21993599
I am rejecting this response because:MCA ***************** has not provided me a contract between MCA ***************** and myself with a written signature showing that I have a liable debt and that I am to legally pay their *****************. I am writing to notify you to cease and desist all collection activities related to the above-referenced account immediately. This notification is being sent pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692c(c).
I dispute the validity of this debt. Additionally, under Missouri law, the statute of limitations for debt collection on this type of debt has expired. According to Missouri Revised Statutes, Section *******, the statute of limitations for most debts, including medical debt, is five (5) years from the date of the last payment or the date the debt became due. Based on my records, this debt is beyond the statute of limitations.
Given that the statute of limitations has expired, any further attempt to collect this debt is unlawful and a violation of the ****** If you persist in collection efforts, I will not hesitate to report your actions to the ************************ (FTC), the ************************************ (CFPB), and the Missouri ************************* for violation of federal and state law.
Furthermore, under the ****** 15 U.S.C. 1692g(b), I am requesting verification of this debt. Specifically, I request that you provide a copy of the contract or agreement bearing my signature that obligates me to pay the debt to your collection agency. If you cannot provide such documentation, you must cease all collection activities and remove any information regarding this debt from my credit report.
Please confirm in writing that you have received this notice and that you will cease all further collection activities. Additionally, please provide written acknowledgment that the debt is time-barred and that you will not report this debt to any credit reporting agencies, or that you will remove any previous credit reporting associated with this debt.
Thank you for your prompt attention to this matter.
Sincerely,
*************************Initial Complaint
07/10/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I'm not liable for this debt with MCA MANAGEMENT COMPANY. I do not have a contract with this collection agency. I did not sign any paperwork with this company. They did not provide me with the original contract as requested.Business response
07/10/2024
Please see attached proof of debt. She has never contacted us and tried to resolve this. She is opening the emails and the mail has not returned. As far as the contract goes, we have a contract with Total ****************** to collect their past due balances. Her account was turned over to us due to her non payment.Customer response
07/11/2024
Complaint: 21966961
I am rejecting this response because: I did not sign a contract with this collection company.
Sincerely,
*****************************Business response
07/11/2024
Since your account is past due, creditors can legally send your account to collections. You are welcome to pay themCustomer response
07/12/2024
Complaint: 21966961
I am rejecting this response because: I'm not aware of any contract with MCA Management and when I filed this complaint with the BBB the company shows as not registered with the state.
Sincerely,
*****************************Initial Complaint
05/16/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with RICHMOND HEIGHTS FIRE DEPARTMENT. I do not have a contract with MCA MGMNT **, they did not provide me with the original contract as i requested. Also i requested the debt purchasing contract MCA MGMNT ** had with the original creditor.Business response
05/16/2024
She already filed a CFPB complaint where we provided the proof of debt. She never contacted us prior to that complaint. She had 30 days to dispute the validity of the debt which she did not. The fact that she didn't pay her past due ambulance bill allows our client to send it to collections. We don't need a contract with her to collect a debt. This bill is from 2021 and she has not done anything about it. I have attached proof of debtInitial Complaint
05/06/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with MCA MANAGEMENT COMPANY, I do not have a contract with MCA MANAGEMENT COMPANY they did not provide me with the original contract as I requested.Business response
05/06/2024
She has never contacted us but she has gotten our letters and opened our emails. I have attached proof of the debt with her signature.Business response
05/06/2024
One more thing, we never received that letter that is attached here. There is no date or address on the letter.Initial Complaint
04/21/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
not reliable for this debt total access urgent care and never had contract with this companyBusiness response
04/22/2024
I have attached proof of debt. She has never contacted us or responded to any phone calls, emails or letters. She signed a contract with Total ****************** and then didn't pay so they sent the account to collections.Customer response
04/30/2024
This is not my debt never had account with collection agency only total accessInitial Complaint
03/29/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with MCA MGMNT CO, I do not have a contract with MCA MGMNT CO they did not provide me with the original contract as I requested.Business response
04/01/2024
She has not contacted our office to try and resolve this. She just keeps disputing it and we keep proving that the debt is still owed. I have attached proof of the debtInitial Complaint
03/20/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Insert: I am not liable for this debt with MCA MANAGEMENT COMPANY, I do not have a contract with MCA MGMNT CO, they did not provide me with the original contract as I requestedBusiness response
04/09/2024
***** has never contacted us. We have had this account for 843 days and she has not responded to any phone calls, emails (we can see she opened the emails) or letters. I have attached proof of debt here showing her signature on the financial form agreeing to pay along with her drivers license, insurance card and an itemization of services provided. She received all of this from Total Access Urgent Care.Initial Complaint
02/29/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with MCA Management Company. I do not have a contract with MCA Management Company, they did not provide me with the original contract as I requested.Business response
02/29/2024
We have had this account for 803 days and she has never contacted us about the balance due. We have sent letters, and made phone calls with no response. I have attached proof of debt as she said she requested that we never sent but again we have never talked to her before.Customer response
03/04/2024
Complaint: 21365012
I am rejecting this response because:
I did not give the company permission to create an account with my information. I was unaware of the account because they never even reached me to inform me it was created. I am recently finding out about this account to which my assistant tried to reach out but got no response.
Sincerely,
**************************************Business response
03/05/2024
As I stated before no one has ever tried to contact us and her "assistant" would not be able to talk to us about her bill without permission from ******. As stated in HIPAA, if a bill goes unpaid, any creditor is allowed to turn the bill over for collections. Debtors never have contracts with the collection agency. I am not sure where she is getting her information but it is untrue. As I stated before, our mail never returned and she received notices from us and the original Creditor Total Access Urgent Care.Initial Complaint
02/22/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
i am not liable for this debt with Total ******************* i do not have a contract with M C A Management Co.. they did not provide me with original contract as i requested.Business response
02/23/2024
His dispute is incorrect, we are not harassing him. We have sent him 2 letters, he emailed us a dispute on 1/4/23
wanting proof of the debt which we provided to him on 1/5/23 (also included here) He has a medical bill he didn't pay so
the medical provider is allowed to send this to collections. He even signed a sheet of paper that says if it goes to
collection he is responsible for all fees. As far as us "seeking financial gain" according to him, we are doing a job to help
the client get paid for the service they provided him.Initial Complaint
12/27/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
Not mine. Please delete it from my report.Business response
12/27/2023
He already tried stating this was not him through the CFPB. Please see the attached proof of debt with his drivers license which matches the information he provided here.
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Customer Complaints Summary
41 total complaints in the last 3 years.
20 complaints closed in the last 12 months.
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