Complaints

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:12/16/2022

  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.

  Upon checking my credit report on November 14,2022, I was surprised to find a medical collection that I was not aware of and have not been informed about. I have never received any letter from them advising me of the money I allegedly owe. On November 16, 2022 I sent the collection agency a certified mail with return receipt requesting a a debt validation. According to the return receipt, the mail was delivered on November 19, 2022 at 9:17am. To-date the collection agency has not responded to my inquiry. If the agency fails to provide documentation of the debt that I owe, I request that the agency delete and completely remove all references to this account from my credit file. I HAVE NOT RECEIVED ANY LETTER FROM AAMS DETAILING HOW I OWE $630.

• Initial Complaint

  Date:09/09/2022

  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 deleted immediately under the Federal Laws for it violates the following: 1. 15 USC ****(a)(4) Infringed Upon a Consumers right to privacy 2. Under 15 U.S. Code ****d-Harassment and abuse have been harassed and have trauma this account in violation and under 15 U.S. Code ****j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 3. Under 15 U.S. Code ****b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports. I never had any business with your company nor gave your company my written consent. 4. Lastly. as per FTC guidelines reporting this account in my consumer credit report is a form of collection activity. In violation under 18 U.S. Code 894 - Collection of extensions of credit Under (a)Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means (1)to collect or attempt to collect any extension of credit, or (2)to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Your continued derogatory reporting of this account in my credit report is a form of punishment and hurting my chances of improving my living situation.

  Business Response

  Date: 09/12/2022

  We received this account from MercyOne Waterloo on 9/27/20.  We made 7 phone call attempts from 10/1/20 - 01/19/21 in which we either didn't get an answer and or we left a message for a return call. We have never actually spoken directly with ************* 

  On 03/11/21 we received a dispute letter from *****************.  When we received this we stopped all communications with *************  We did provide ***************** the itemized statement showing that this account is owing and what the charges were for.  We have never heard anything additional from either ****** or ***************** regarding this account after we mailed out the validation of this account.  The account is marked disputed on the Credit Reports.  

  Once the account is paid in full we are required to remove it from the Credit Bureaus.  We would be happy to setup any type of payment arrangement to get this resolved.  You can contact us at ************ and we would be happy to work with you.

   

  Thank you,

  AAMS/CCMR3

  *******************/Operations Director

   

  Customer Answer

  Date: 09/12/2022

   
  Complaint: ********: I am rejecting this response because: I never had any business with your company nor gave my written consent.
  
  This account is an alleged debt from different company, and you have purchased it, this is a violation of collection of extension of credit/debt. As per FTC guidelines reporting this account in my consumer credit report is a collection activity.  therefore, you are in violation under 18 U.S. Code 894 - Collection of extensions of credit Under (a)Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means (1)to collect or attempt to collect any extension of credit, or (2)to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Your continued derogatory reporting of this account in my credit report is a form of punishment and hurting my chances of improving my living situation.
  
  Cease and desist also means under 15 U.S. Code ****c (c) - Communication in connection with debt collection, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further "communication" with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,
  
  "Communication in connection with debt collection" is not just limited to phone calls, also - reporting this account in my consumer credit report.
  
  Cease and desist, delete this account immediately.
  
  Regards,
  
  ***********************

  Business Response

  Date: 09/12/2022

  For clarification we did not buy the debt.  We have been hired by MercyOne ******** formerly known as Wheaton to collect this debt on their behalf.  If you want to contact them directly you may do so or you can pay them directly as well. 

   As we have stated it is marked disputed and we have provided validation of the debt in which no one responded back to us on.  MercyOne would have to request that we no longer work this account in our office and at that point we would close and return the account back to them.

  Simply by trying to contact the BBB and CFPB does not relieve you of the responsibility of this bill. I have attached the validation of the debt that we provided Credit Law for your review.  

    Thank you,

  AAMS/CCMR3