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:07/21/2025

  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.

  These people put a collection on my credit account due to medical debt I was NEVER contacted about. They did it on a Friday so I couldnt even contact them about it through the weekend. I am 8 months pregnant and having my credit score tanked by them after they made no attempts to connect me may send me into premature labor! Truly awful folks.

  Business Response

  Date: 07/21/2025

  The account was placed with our agency by the original creditor, ************* ****** ********* ********** on 12/10/2024. The creditor is a separate entity from ******************** and the open amount represents the ********* *********** professional charges for a service date of 7/14/2024.  On 12/11/2024, our agency mailed out the initial collection notice to the address the consumer provided to the original creditor.  The notice contained the required Federal and state consumer disclosure notices.  Our agency did not receive a response or dispute from the consumer.  On 7/18/2025. the consumer emailed disputing the charges and our office contacted the billing company for the original creditor.  We have received authorization to have the account expunged from the consumer's credit report as requested.  The consumer also followed up with a telephone call on 7/21/2025.  The request has been made to have the account removed through the ******* ******* to the three national credit bureaus.  The account is closed form active collection with our office and should be removed within 48-72 hours from today.

  Customer Answer

  Date: 07/21/2025

   
  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.
  
  Sincerely,
  
  ****** *******

• Initial Complaint

  Date:07/15/2025

  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 am disputing TWO collection accounts in the amount of $572 from Peter Robert & Associates reported on my ********** credit report. I have no record of this debt, and they have failed to provide proper verification per the Fair Credit Reporting Act (FCRA) and FDCPA. I am attaching a formal dispute letter and requesting this tradeline be removed unless they provide validation in accordance with federal law. This account is misleading, inaccurate, or unverifiable.

  Business Response

  Date: 07/15/2025

  The two accounts were placed in collection in March and April 2020 for service dates in November 2019 and January 2020 respectively.  The original creditor is ******************** ********* **********.  The bills represent the physicians' professional charges for emergency services and are separate from any charges that would have been due to *********************  Our initial notices which contained the required Federal and state consumer disclosures were sent in March and April 2020 respectively.  No response and/or dispute was received by the consumer within the initial 30-day debt validation period.  Additional collection notices and attempted telephone calls were made to the address and telephone number the consumer originally provided.  At no time were any of the notices returned to this office as undeliverable. At no time did the consumer respond to any of our requests to communicate.  We have updated the credit reporting status with the *********************** to reflect the consumer's dispute that we are now receiving for the first time.  We will mail verification of the debt to the address the consumer has provided in this complaint.  Once the consumer has received and reviewed the information; the consumer is welcome to call us at ************** or write to us to make arrangements to resolve the outstanding balances.

• Initial Complaint

  Date:03/19/2025

  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 am filing a complaint against Peter and ****** Associates, a debt collection agency that falsely reported an invalid medical debt to my credit report. The alleged debt is from ********************, but after contacting Tufts Medical Centers Billing and *********************** they confirmed that:1.I do not owe any outstanding balance to *********************2.Peter and ****** Associates is not an authorized collection agency for ********************. They only use **** and AmeriCollect for collections.When I called Peter and ****** Associates, they refused to provide written documentation verifying the debt. They dismissed my request for debt validation and continue to report this fraudulent account to the credit bureaus, damaging my credit score.I have disputed this collection with Experian, Equifax, and **********, but the account remains. I have also filed complaints with the **** and *** regarding this fraudulent debt collection attempt.Resolution Requested:1.Peter and ****** Associates must remove this fraudulent collection account from my credit report.2.They should cease all collection attempts on this non-existent debt.3.BBB should investigate this companys practices and warn consumers of their deceptive tactics.Supporting Evidence Attached:Phone call transcript with ******************** confirming they do not recognize this debt.Copy of my dispute letters sent to credit bureaus.Thank you for reviewing my complaint. I request that BBB take action and hold Peter and ****** Associates accountable for their misleading and harmful business practices.Sincerely,***** *********

  Business Response

  Date: 03/19/2025

  The collection account was placed with our agency by the original creditor Tufts Med Ctr Emergency Physicians on 11/13/2021.  Our initial collection notice, which contained the required Federal and state consumer disclosures was mailed to the consumer on 12/21/2021.  The consumer is referencing Tufts Medical Center.  This creditor is not the hospital as we have previously clarified with the consumer.  The amount of $648 is the professional component/physician charges relating to the emergency services provided by the physicians on 3/19/2021.  Tufts Med Ctr Emergency Physicians is a separate entity which bills separately.  Their records show that statements were mailed to the consumer advising of the unpaid debt.  The original dispute we received from the consumer was on 1/3/2022.  ********** fulfilled its legal obligation by validating the debt with the consumer and updating the credit reporting status to reflect the consumer's dispute.  ********** has made numerous telephone calls and has sent several notices from January 2022 through July 2022.  The consumer has disputed this debt with the *********************** and the information was verified as accurate as reported by the original creditor.  The consumer is welcome to call us at ************** or write to us to discuss an acceptable arrangement to resolve the outstanding balance.

  Customer Answer

  Date: 03/19/2025

   
  Complaint: 23083445
  
  I am rejecting this response because: Their response is inaccurate, misleading, and does not resolve my dispute.
  
  
  Key Issues with Their Response:
  1. Tufts ************** Emergency Physicians Has No Record of This Debt
  Peter and ****** Associates claims this debt originated from ******************** Emergency Physicians; however, after contacting them directly, they confirmed that they have no record of this debt in my name.
  Similarly, ******************** itself also has no record of this debt and does not work with Peter and ****** Associates.
  2. Failure to Provide Proper Debt Validation
  Peter and ****** Associates has not provided any valid documentation proving this debt exists, including:
  An itemized billing statement from Tufts ************** Emergency Physicians.
  A contract proving legal assignment of this debt to their agency.
  Under the Fair Debt Collection Practices Act (FDCPA), they are required to validate the debt, yet they have failed to do so.
  3. Continued Credit Reporting Violates the Fair Credit Reporting Act (****)
  Despite my dispute and the lack of validation, they continue reporting this false account, damaging my credit unlawfully.
  The **** prohibits credit reporting agencies from reporting inaccurate or unverifiable information, and Peter and ****** Associates is in violation of this law.
  
  
  Requested Resolution:
  
  
  Given that neither ******************** nor Tufts ************** Emergency Physicians have any record of this debt, and Peter and ****** Associates has failed to provide valid proof, I am requesting the **** to:
  1. Immediately direct Peter and ****** Associates to remove this fraudulent collection account from my credit reports.
  2. Investigate Peter and ****** Associates for potential violations of the **** and FDCPA.
  3. Ensure that all three credit bureaus (Experian, Equifax, and **********) are updated to reflect the removal of this account.
  
  
  ********************** and ****** Associates failure to validate this debt while continuing to report it is a clear violation of my consumer rights. I urge the **** to take action to protect me and other consumers from unfair debt collection practices.
  
  
  Sincerely,
  
  ***** *********

  Customer Answer

  Date: 03/19/2025

   
  Complaint: 23083445
  
  I am rejecting this response because: Their response is inaccurate, misleading, and does not resolve my dispute.
  
  
  Key Issues with Their Response:
  1. Tufts ************** Emergency Physicians Has No Record of This Debt
  Peter and ****** Associates claims this debt originated from ******************** Emergency Physicians; however, after contacting them directly, they confirmed that they have no record of this debt in my name.
  Similarly, ******************** itself also has no record of this debt and does not work with Peter and ****** Associates.
  2. Failure to Provide Proper Debt Validation
  Peter and ****** Associates has not provided any valid documentation proving this debt exists, including:
  An itemized billing statement from Tufts ************** Emergency Physicians.
  A contract proving legal assignment of this debt to their agency.
  Under the Fair Debt Collection Practices Act (FDCPA), they are required to validate the debt, yet they have failed to do so.
  3. Continued Credit Reporting Violates the Fair Credit Reporting Act (****)
  Despite my dispute and the lack of validation, they continue reporting this false account, damaging my credit unlawfully.
  The **** prohibits credit reporting agencies from reporting inaccurate or unverifiable information, and Peter and ****** Associates is in violation of this law.
  
  
  Requested Resolution:
  
  
  Given that neither ******************** nor Tufts ************** Emergency Physicians have any record of this debt, and Peter and ****** Associates has failed to provide valid proof, I am requesting the **** to:
  1. Immediately direct Peter and ****** Associates to remove this fraudulent collection account from my credit reports.
  2. Investigate Peter and ****** Associates for potential violations of the **** and FDCPA.
  3. Ensure that all three credit bureaus (Experian, Equifax, and **********) are updated to reflect the removal of this account.
  
  
  ********************** and ****** Associates failure to validate this debt while continuing to report it is a clear violation of my consumer rights. I urge the **** to take action to protect me and other consumers from unfair debt collection practices.
  
  
  Sincerely,
  
  ***** *********

  Business Response

  Date: 03/19/2025

  As previously stated, we have validated this debt and fulfilled our legal obligations under the ****** **** and state consumer protection law.  On 1/6/2022 our records clearly show that we mailed the validation of the debt to the consumer.  We are aware of the requirements and obligations of validating the debt and indeed did so within the 30-day period of receiving the consumer's original dispute.   We have already received and responded to the complaint the consumer filed with the ***** We have updated the dispute with the credit reporting agencies.  Again, the consumer is welcome to contact us to discuss a suitable arrangement to satisfy the outstanding debt.

  Customer Answer

  Date: 03/19/2025

   
  Complaint: 23083445
  
  I am rejecting this response because: 1. ******************** and ******************** Emergency Physicians Have No Record of This Debt, they cant even find me in their system.
  I directly contacted ******************** and ******************** Emergency Physicians, and both confirmed that they have no record of an outstanding balance in my name.
  Furthermore, ******************** does not even work with Peter and ****** Associates for collections.
  2. Peter and ****** Associates Has Not Provided True Validation
  They claim to have mailed a debt validation notice on 1/6/2022, yet they failed to provide:
  An itemized billing statement directly from ******************** Emergency Physicians.
  A contract proving the original creditor assigned the debt to Peter and ****** Associates.
  Simply mailing a generic validation notice does not constitute proper debt validation under the FDCPA.
  I demand a copy of this alleged validation notice, as I never received it.
  3. Failure to Remove an Unverifiable Debt Violates the ****
  Since neither ******************** nor ******************** Emergency Physicians has a record of this debt, it is inaccurate and unverifiable under the Fair Credit Reporting Act (FCRA).
  Despite this, Peter and ****** Associates continues to report the debt, which is unlawful under 15 U.S.C. 1681s-2(b) of the FCRA. Given that Peter and ****** Associates has failed to provide true verification of this debt and it is not recognized by the alleged original creditors, I request to: 1. Order Peter and ****** Associates to immediately remove this collection account from my credit reports.
  
  Sincerely,
  
  ***** *********

  Customer Answer

  Date: 03/19/2025

  1. ******************** and ******************** Emergency Physicians Have No Record of This Debt, they cant even find me in their system.
  I directly contacted ******************** and ******************** Emergency Physicians, and both confirmed that they have no record of an outstanding balance in my name.
  Furthermore, ******************** does not even work with Peter and ****** Associates for collections.
  2. Peter and ****** Associates Has Not Provided True Validation
  They claim to have mailed a debt validation notice on 1/6/2022, yet they failed to provide:
  An itemized billing statement directly from ******************** Emergency Physicians.
  A contract proving the original creditor assigned the debt to Peter and ****** Associates.
  Simply mailing a generic validation notice does not constitute proper debt validation under the FDCPA.
  I demand a copy of this alleged validation notice, as I never received it.
  3. Failure to Remove an Unverifiable Debt Violates the ****
  Since neither ******************** nor ******************** Emergency Physicians has a record of this debt, it is inaccurate and unverifiable under the Fair Credit Reporting Act (FCRA).
  Despite this, Peter and ****** Associates continues to report the debt, which is unlawful under 15 U.S.C. 1681s-2(b) of the FCRA. Given that Peter and ****** Associates has failed to provide true verification of this debt and it is not recognized by the alleged original creditors, I request to: 1. Order Peter and ****** Associates to immediately remove this collection account from my credit reports.

• Initial Complaint

  Date:02/18/2025

  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.

  *********** ***** ************************************ **************************** ************ 02/16/2025 Peter and Roberts Association *************************************** Subject: Dispute of Debt Collection - ******XX Dear *********** am writing to formally dispute the debt referenced in your recent communication (Account Number: *********. I do not believe that I am responsible for this debt, and I am requesting that you provide verification of the debt, as required under the Fair Debt Collection Practices Act (FDCPA).Please provide the following:1. A detailed statement of the debt, including the original creditor's name, the amount owed, and any interest or fees added.2. Documentation verifying my responsibility for the debt, such as signed contracts, account statements, or any other supporting documents.3. Confirmation that you are authorized to collect this debt on behalf of the original creditor.Until the requested verification is provided, I kindly ask that you cease any further collection efforts, including reporting this debt to credit bureaus, as required under the law. Additionally, please be advised that any negative information reported on my credit report regarding this debt is disputed.If you do not provide the requested information within 30 days, I will consider the matter resolved and will take further action if necessary.Thank you for your attention to this matter. I look forward to your prompt response.Sincerely,?*********** *****

  Business Response

  Date: 02/18/2025

  The consumer's accounts were placed with our agency by the original creditor Atrius Health in June 2023.  Our initial notice was sent at that time and we received no record that the letter was returned as undeliverable.  Ourt initial notice contained both the Federal and state consumer disclosures which informed the consumer of the 30-day validation period and the rights under those laws.  ********** did not receive a response from the consumer.  Telephone messages left by our office went unanswered and we received no response from additional notices mailed by our office.  We will mail an itemization of the charges to the address provided in this complaint which matches our records.  Once the consumer has a chance to review the information, the consumer can call our office at ************** or write to us to make arrangements to resolve the outstanding balance. Our agency followed both state and Federal consumer laws which contain specific regulations which must be followed to provide protection for both the consumer and our agency.

  Business Response

  Date: 02/18/2025

  Our agency has flagged the account as "disputed by consumer" based on this complaint which will be updated with the *************** reporting agencies.;

• Initial Complaint

  Date:12/05/2024

  Type:Product 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.

  ******! ************ is a scam!!I received a letter from this organization stating that I owed a bill from my doctors office from 4/12, I had a payment plan, and this company had all my information, so I paid it through this third party collections company of ******. When I reached out to my doctor to say the bill was all set, they never received anything therefore I still have balance due. I call this company to tell them to reach out to my doctor to say it's all set and they said "they send everything at the end of the month" I checked a month later and It's still showing that I owe a balance. I would like a refund as this is a HIPPA Violation you should not have my information from my doctor without my consent.

  Business Response

  Date: 12/05/2024

  This will be my only response to this unwarranted complaint. The consumer emailed our office today that if we didn't update the record immediately, she would dispute the charge and contact the BBB.  Our associate responded via email that we remit on a monthly basis. The payment was made on 11/118/2024.  The account was placed with our agency by a hospital and our associate stated that if the consumer was having difficulty making an appointment to give us the contact information and we would reach out to that party to confirm that the payment had been made and was in process of being posted. 

  Customer Answer

  Date: 12/09/2024

   
  Complaint: 22644471
  
  I am rejecting this response because:
  You said you were going to call the office, and they never received one from you, its been almost a month since I paid this and my account still shows I owe I balance. Therefore I will not accept this response.
  Sincerely,
  
  ****** ********

  Business Response

  Date: 12/09/2024

  Our office has remitted the funds to the hospital as mentioned in the initial response.  The consumer references having difficulty making an appointment.  We responded to the consumer that we would reach out to the contact person if she wanted to share the telephone number and person she was speaking with.  The payment has been properly remitted to the original creditor/our client which is the hospital.  We have no way of knowing which doctor/office the consumer is trying to make an appointment with.  Additionally, the consumer can contact the hospital to confirm the payment has been received.  We have fulfilled our legal obligation by properly remitting the funds to the original creditor and providing receipt of payment to the consumer.

  Customer Answer

  Date: 12/10/2024

   
  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.
  
  Sincerely,
  
  ****** ********

• Initial Complaint

  Date:03/20/2024

  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.

  A man from ***************** a number I do not recognize called me to tell me he wanted to settle a debt. I asked him If he could have my healthcare provider call me because this doesn't seem correct. I said well I don't know who you are or if you're real. You could be a scam sitting in a basement in ***** he then interrupted me and said i'll mark you down as bad, I think and hung up on me. I hope they record those calls and you can listen back because it seems like he is more interested in being hostile and controlling a narrative of corruption of scamming people out of more money. I don't owe my healthcare provider any money. I see them monthly. I pay my bill monthly and was never given or told I had a balance.

  Business Response

  Date: 03/20/2024

  The consumer has several accounts that were placed into collection with our agency in December 2023 by the original creditor ****** ****** (formerly ******* ******** ******* ******).  Our agency mailed an initial collection notice to the address provided by the original creditor on 12/5/2023.  The address matches what the consumer provided in this complaint.  The letter contained the required Federal and state consumer disclosures.  No response was received by the consumer, nor did the consumer reply that she was disputing the debt.  The mail was not returned to our office as undeliverable.  On 3/20/24 our associate called and reached the consumer by phone.  The associate noted the account that the consumer stated she refused to pay stating that she pays her bills because she has the app.  The collector tried to explain that these balances were not paid and placed with us by the original creditor.  The consumer stated that she will only deal with them and not our agency.  We will request itemization of the charges and mail them to the consumer.  The consumer is welcome to contact us after reviewing the information to make arrangements to resolve the outstanding balances.

• Initial Complaint

  Date:02/01/2024

  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.

  Dear PRA; I'm not aware of this company, and i've paid the original creditor since 2019 COMP. COMMUNITY ACTION P $576. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under ******* codes sections **** d, e f g of ****/*****. Remove from my credit report. You violated ***** of the ***** by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action;Y ou violated **** of the ***** by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of ****; You violated ****(2)(A) of the ***** with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client; You violated ****(5) of the ***** by its threat to take any action that cannot legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client; You violated ****(b) of the ***** by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter; and You violated **** of the ***** by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein. As a result of the foregoing violations of the ***** on this matter, I demand an immediate deletion of this account from all credit reporting agency.

  Business Response

  Date: 02/02/2024

  The consumer's account was placed with our agency by the original creditor, **** *************************************** on 10/23/2019.  Our initial notice containing the required Federal and state consumer disclosures was mailed on 10/24/2019. On 2/22/2020, our associate contacted the consumer at the telephone number provided by the original creditor. The consumer requested that we mail an itemization/bill of the charges. The account was then placed on hold and the requested information was mailed on 3/19/202. Between April-July our office attempted to communicate with the consumer by mailing several collection notices and telephone attempts. On 8/7/2020, our associate reached the consumer and was told that she had been sick. The consumer did not dispute the debt or provide any plan for paying the outstanding balance.  Our office will send an update to the credit bureaus that the consumer is now disputing the debt. A recent check with the original creditor has confirmed that the balance is still unpaid.  Additionally, the original creditor has stated that the insurance that the consumer provided at the time of service was inactive.  The consumer is welcome to contact our office to make arrangements to resolve the outstanding balance.

  Customer Answer

  Date: 02/06/2024

  Complaint:********
  
  I am rejecting this response because: I am writing in response to the complaint filed against me regarding a medical collection account. I want to express my firm rejection of the resolutions proposed by the collection agency due to several concerns, including potential HIPAA violations, lack of knowledge about the debt in question, and violation of my consumer rights under the provisions and sections of**************.
  First and foremost, I must highlight that I have no recollection or knowledge of any ****** ****** ******* with **** *************************************** or any other entity. I am deeply troubled by the information provided by the collection agency, as it suggests a breach of patient privacy and confidentiality protected under the **************** ********************************************** I have not authorized the release of any medical information to a third-party collection agency, and I demand an immediate investigation into this matter to ensure compliance with ****** regulations.
  Furthermore, the dates and communications mentioned in the response do not align with any interactions or correspondence I have had regarding a medical debt. I have not received any itemization or bill of charges, nor have I been contacted by the collection agency prior to the date mentioned in the response. The lack of proper documentation and communication raises serious doubts about the validity of the debt being pursued.
  Given the potential ******************, the lack of substantiated evidence regarding the debt, and the violation of my consumer rights under ***************** I demand the immediate removal of this account from my credit report. I refuse to accept any proposed resolution that does not address these concerns and fails to provide adequate proof of the debt's legitimacy.
  I appreciate your attention to this matter and expect a thorough investigation into the issues raised. Please keep me informed of any developments and actions taken to resolve this dispute.
  
  
  Sincerely,
  
  ****** Do ******

  Business Response

  Date: 02/07/2024

  Our agency conducts all business matters in compliance with ****, the ****** **** and all Federal and state consumer protection laws.  We will mail the itemization of charges for a second time to the consumer to the address provided by the consumer.  We have conducted a reasonable investigation, as required by Federal law.  The original creditor has confirmed that all information is accurate and the balance remains unpaid.  The consumer can contact our office after reviewing the information to make arrangements to resolve the balance. This will be our final response to this complaint as we have fulfilled our obligation under both Federal and state consumer laws.

• Initial Complaint

  Date:01/16/2024

  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 debt with ***** ******* I do not have a contract with collection agency, and they did not provide a contract as requested. Furthermore, ***** ******** confirmed that I have a $0 balance.

  Customer Answer

  Date: 01/25/2024

  Attached are the accounts that are on my credit report. I have spoken with ***** ******** ****** and asked for more account information and they advised me that I have a 0 account balance 

  Business Response

  Date: 01/25/2024

  The 3 accounts the consumer is disputing were placed with our agency by the original creditor, ******************** ******** *********.  The creditor is a separate entity with its own billing.  The consumer is referencing ******************** in the complaint.  The charges are not for ********************.  The 3 accounts were placed with us at different dates in 2022 and 2023. There are different dates for each service that was provided.  The consumer has previously disputed these charges through the credit bureaus.  After receiving notice of each dispute, our agency verified that the information was accurate on all accounts after conducting an investigation with the original creditor.  Additionally, our agency has reported a "disputed" status by the consumer to the national credit bureaus.  We will mail an itemization of charges to the consumer for the outstanding balances.  Once received and reviewed, the consumer is welcome to contact our agency to make arrangements to resolve the unpaid balances.

  Customer Answer

  Date: 01/25/2024

   
  Complaint:********
  
  I am rejecting this response because: I have no services or balances with ***** ******** all my services with ***** have been paid for in full. Additionally, there is no signed contract with this company nor have I any involvement with them. 

  
  Sincerely,
  
  ***************************

  Business Response

  Date: 01/25/2024

  I reiterate that the outstanding balances that have been placed with our agency are not for ***** ******** *****.  The original creditor is ****************************** ********.  They are a separate group and the customer would have received statements directly from their billing company.  The services were for the professional component (charges) for the emergency physicians that performed services for the respective service dates.  As I previously stated, we will mail out the itemization of the charges directly to the consumer for review.  The original creditor has verified that the charges are accurate and our agency has updated the credit bureaus to reflect that the consumer is disputing the balances.  This will be my final response to this complaint as we have fulfilled our obligations under both Federal and state consumer laws.

• Initial Complaint

  Date:09/29/2023

  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.

  The account is not mine and I asked them to validate the debt and they couldn't. I don't have a contract with Peter Roberts & Associates

  Customer Answer

  Date: 10/04/2023

  BBB spoke to the consumer to obtain clarification. She recently discovered on her credit report that there was a debt being reported by this Peter Robert's and Associates from 2020 in the amount of $876.00 on behalf of *********** ********* **********. To her knowledge she had made a payment arrangement, and has been making payments for a hospital visit she had during Covid in 2020. She is not familiar with this debt, or with Peter Robert's and Associates and she has never been contacted by Peter Robert's and Associates either by phone or by mail regarding this debt.

  Business Response

  Date: 10/04/2023

  The consumer's account was placed with us in August 2020 by the original creditor ************ Physicians.  The $876 charge is for the professional services billed by the emergency physicians at ************************.  The consumer would also have received charges from the hospital which are separate from this debt and not handled through our office.  Our agency sent the first letter with the required state and federal consumer disclosures on 8/18/2020.  One of our associates spoke with the consumer who had promised to make payment on the account.  At no time did our office receive a dispute, either verbally or written from the consumer.  Our office will send verification of the debt and will also update the consumer's credit report to reflect the disputed status.  The consumer is welcome to call our office at ************** or write to us to make arrangements to resolve the outstanding balance once the information has been received and reviewed.

• Initial Complaint

  Date:09/21/2023

  Type:Product 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.

  Received a letter from Peter roberts and associates inc. I call them this morning 09/21/2023 8:54am tell them I dont owed any money from *******************and ********************* payment website and payment phone number are totally different from *******************. Also I am going to ******************* talk to the payment department, they say i have 0 balance. Also I use********************from beginning and now. I dont have any problems. The guy from Peter roberts & associates just said that I own the money and hand up the phone. Anyone can help me to solve the problem?

  Business Response

  Date: 09/21/2023

  The account was placed with us on 8/30/2023 by the original creditor ************************************.  Our associate spoke with the consumer this morning and his notes state that the consumer refuses to pay, insisting that his services are free. Our associate also noted that the consumer did not want to let him speak.  The creditor we represent is not ******************** and is a private group that bills separately for professional charges for the emergency services that were provided.  We have noted that the consumer is disputing the balance and will inquire with the original creditor regarding the ** Health coverage the consumer states that he has had in place.  The attached statement that the consumer provided with the complaint is from the original creditor showing the past due amount owed and noting that the consumer did not respond to prior requests for payment.

  Customer Answer

  Date: 09/21/2023

   
  Complaint:***********
  
  I am rejecting this response because: As he said, that is not ******************** and it is a private group. However, I didnt use any private group services, and why do I have to pay that amount $648. Also, if it is not ******************** services why is the hospital name ********************, and as you can see, I got different bill, however it is a different account number, different provider, different date, but same amount $648. In the final notice the bill only shows $648. It is right? Also in the letter from Peter Roberts & Associates *** shows that the service performed by ***** *********************and account number is **********. So who did the services? Is it ********* ********************** or ********************** however, I didnt use those service. Why do I have to pay for it? One more thing what service does the private group do?
  
  Sincerely,
  
  ***************

  Business Response

  Date: 09/21/2023

  This will be our final response regarding this complaint.  Again, the original creditor we represent is ***** ************** **************** or ****************** They are one in the same.  They are the emergency physicians that perform services at ***** **************.  The medical center bills separately for the use of the facility also known as the technical component of the charge.  The physicians are a private entity and bill for their "professional" services which is the $648 charge.  According to the creditor's statement that was sent to the consumer, they sent prior statements and made attempts to reach the consumer regarding the balance.  It appears the consumer had opportunity to inquire at that time if there was confusion or questions what the charges were for.  We have marked the account as "disputed by consumer" and will send an itemization of charges to the consumer. We have ceased active collection efforts at this time and the consumer is welcome to contact us to discuss further once the itemization of charges has been received.