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:08/30/2025

  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 not liable for these debt with *************** Clinic. I do not have a contract with this collection agency. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 08/30/2025

  We have had this account for 215 days, and ***** has made 2 payments and called our office in January and we explained  this is the balance after insurance.  Midwest Express mailed statements and emailed them to *****, proving the debt. Yasin is welcome to contact us.

• Initial Complaint

  Date:08/29/2025

  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.

  I found an inaccurate negative item on my credit report. I do not have a contract with Medical Commercial Audit, they did not provide me with the original contract as I requested. I am not liable for this debt with Medical Commercial Audit and I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act (FCRA). Please remove this unverifiable item.

  

  Business Response

  Date: 08/29/2025

  She did know about this bill because she opened all of our emails, she disputed it with E ***** and we sent her proof of the debt (which I attached here)

  Customer Answer

  Date: 09/02/2025

  I do not have any contract with Medical commercial Audit, I sent a letter certified first class mail on August 1st, 2025 requesting an original contract with this company. I did not receive any validation or contract with my signature or acknowledgement for this furnisher. Therefore I demand this removed from my credit report. 

  Customer Answer

  Date: 09/02/2025

  Complaint: 23814755
  
  I have reviewed the business' response and am rejecting it because:
  I do not have any contract with Medical commercial Audit, I sent a letter certified first class mail on August 1st, 2025 requesting an original contract with this company. I did not receive any validation or contract with my signature or acknowledgement for this furnisher. I have filed multiple complaints and received nothing from this business. Therefore I demand this removed from my credit report. 
  
  
  Sincerely,
  
  ***** *****

  

  Business Response

  Date: 09/02/2025

  The invoice that I attached to this complaint was sent to her on 8/6/25 after we got her letter requesting it.  She has not responded to anything until now and we have had this account since 1/4/23.  This is her small balance after insurance.  Obviously we would not have a contract with her.  When she didn't pay the bill it came to collection which of course is allowed by HIPAA.  If she pays the balance due we will get it removed from her credit.  The clinic deserves to get paid for their services. 

  Customer Answer

  Date: 09/03/2025

  Better Business Bureau:
  
  I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution. 
   
  Sincerely,
  
  ***** *****

  

  Business Response

  Date: 09/03/2025

  Thanks for the update.  She went on our website and paid it.  I was shocked.  I wish they would call us instead of going straight to you because it affects our rating.  

• Initial Complaint

  Date:08/24/2025

  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 filing this complaint regarding *** Collection Agencys improper handling of an alleged debt from ***********************I disputed this debt in writing, yet *** continues collection activity without providing full validation as required by the Fair Debt Collection Practices Act (FDCPA). They sent me photos of charges but failed to produce critical documents such as proof of ownership/assignment of the debt, a signed lease agreement, a full itemized ledger, or contractual authorization for collection fees. Despite this lack of validation, *** told me I was welcome to make payments and provided a payment link. Under the ****** collection activity must stop until proper validation is provided, so their conduct is potentially unlawful.Additionally, MCA referenced unrelated medical bills from another provider (************************) in their response to my dispute. This has nothing to do with the Avion Ridge matter and appears to be a misleading and harassing tactic in violation of consumer protection laws.MCAs actions have caused me stress, confusion, and financial hardship. Their refusal to properly validate the debt while continuing to pressure me for payment is unfair and unprofessional.Desired Resolution: I request that *** immediately cease all collection activity until they provide full and proper validation of this debt, including proof of assignment, a signed lease, an itemized breakdown of charges, and contractual support for any additional fees. I also request that they remove any unrelated and misleading references to other accounts and handle this matter in compliance with the *****.

  

  Business Response

  Date: 08/25/2025

  Please see the attached documents.  This is exactly what we sent him when he asked on 8/22/25.  It has his signature, the itemization, the vacate notice, his email to them, and the lease.  We have had the account since 7/31/25 and he just responded on 8/22/25.  We have not put this on his credit yet so I am not sure what he is talking about.  We did mark his account as disputed.  He is welcome to contact us and we can work with him. 

  Customer Answer

  Date: 08/26/2025

  Complaint: 23791459
  
  I have reviewed the business' response and am rejecting it.

  
  I appreciate MCAs reply and the documents provided. However, their response does not constitute full validation of the alleged debt for the following reasons:
  
  
  1. Lack of Evidence of Damages
  While an itemized list of charges was included, there is no photographic or written evidence showing that the alleged carpet damage, blind damage, or dirty toilet/shower went beyond normal wear and tear. Missouri landlord-tenant law requires landlords to distinguish ordinary use from true damage, and *** has provided no proof.
  
  
  2. Unexplained 30% Upcharge
  MCA included a 30% collection upcharge in their itemization, but provided no documentation, statutory reference, or contractual basis to support this additional charge. Without such evidence, this fee appears arbitrary and is not valid under the Fair Debt Collection Practices Act (*****).
  
  
  3. Missing Payment Plan Promise
  In prior communications, the original apartment complex agreed in writing to work with me on a fair payment plan. *** has made no mention of this promise in their BBB response, nor have they offered to honor it. This omission is material to the dispute.
  
  
  4. Incomplete Validation
  While a copy of the lease agreement was included, that alone is not sufficient validation. Under the ****** full validation requires evidence that the charges are accurate, legitimate, and collectible. Without supporting documentation, the itemized charges remain unsubstantiated.
  
  
  
  
  
  
  
  
  Further Response & Legal Bar
  
  
  
  
  Since this exchange, MCA has been barred from further collection efforts due to improper validation. Once validation is requested and not provided in full, the ***** prohibits continued collection activity, including attempts to pressure payment, or otherwise act on the account.
  
  
  Despite being placed on notice, *** has continued to make statements inconsistent with their legal obligations under consumer protection law. This confirms that their collection activity is not only unsupported but also unlawful.
  
  
  
  
  
  
  Requested Resolution:
  
  
  I request that *** provide actual proof of damages (e.g., photos, invoices, or work orders).
  I request documentation or statutory/legal authority justifying the 30% collection upcharge.
  I request MCA to honor the previously promised payment plan in writing.
  I request that this matter remain barred from reporting to any credit bureau unless and until full and proper validation is supplied.
  
  See attachments below for supporting evidence and documentation regarding what the apartment complex and MCA sent me.
  
  
  I am not refusing to work with MCA. I am simply requesting fairness, accuracy, and adherence to consumer protection standards.
  
  
  Respectfully,
  ******** ******
  
  
  
  
  
  
  
  

  

  Business Response

  Date: 08/26/2025

  What I sent is proof of the debt including the ability to charge a collection fee of up to 40% (see page 10 of the docs I sent).  You signed it.  If you want pictures, contact Avion Ridge, they have them.  

  Customer Answer

  Date: 08/27/2025

  Complaint: 23791459
  
  I have reviewed the business' response and am rejecting it because:

  The documents provided do not constitute proper validation of this debt. A signed lease agreement alone does not demonstrate that the specific charges being claimed are valid, accurate, or legally enforceable. Under the Fair Debt Collection Practices Act (FDCPA), validation requires itemized evidence of each charge, supported by documentation such as invoices, receipts, or dated photographs. Simply referring me back to *********** does not meet this requirement. As the collector, the burden of validation is yours, not mine.
  
  
  Additionally, the claim of a 40% collection fee is excessive and unsupported. While the lease may mention potential collection costs, such charges must be reasonable and actually incurred to be enforceable. No such proof has been provided. Without documentation of actual collection expenses, this fee cannot be considered valid.
  
  
  Until and unless full and proper validation is provided including itemized charges and evidence of actual damages and costs this account remains in dispute. Any continued collection efforts without such validation may constitute a violation of the FDCPA.
  

  On a further note Avion ridge apartments has not made any effort whatsoever to respond back to me, and you MCA Collections, have not provided me with proper validation which has been asked for numerous times now.
  
  
  Sincerely,
  
  ******** ******

• Initial Complaint

  Date:08/19/2025

  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.

  The payment history shows missed installments that my receipts prove were paid.

  

  Business Response

  Date: 08/19/2025

  I checked with billing and none of his 3 accounts are paid.  If he has receipts, please provide them and we will get this straightened out.  We have had these accounts since ********* and 2025 and he has not called us one time.  

  Customer Answer

  Date: 08/20/2025

  Complaint: 23767314
  
  I have reviewed the business' response and am rejecting it because: this is very urgent matter and it is hindering me to reach my financial goal I wanted this to be resolve immediately.
  
  
  
  Sincerely,
  
  ********* *****

  Customer Answer

  Date: 08/20/2025

  I am not accepting the resolution for this is very urgent matter and it is hindering me to reach my financial goal I wanted this to be resolve immediately.

  

  Business Response

  Date: 08/21/2025

  As I stated before, we need proof you paid this because no one shows it has been paid.  

• Initial Complaint

  Date:08/18/2025

  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.

  Complaint Against:MCA Management Company (a/k/a ****************************************************** Nature of Complaint:MCA Management Company is engaging in fraudulent and abusive debt collection and credit reporting practices.The original bill from ************************ is $240.*** has reported the debt as $507 to the credit bureaus. This appears to be a deliberate scheme to inflate the balance above $500 in order to bypass the federal rule that prohibits medical debts under $500 from being reported.This is deceptive, fraudulent, and in violation of the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).Additionally, *** has publicly disclosed protected health information (PHI) regarding a childs ambulance transport in a ****** review response, which is a serious privacy violation and potentially a HIPAA breach.Desired Resolution:Immediate removal of the $507 derogatory entry from all credit reports.Correction of the balance to the actual bill of $240 and provision of proper debt validation (original contract, chain of title, itemized billing).Written assurance that *** will cease all collection activities until proper validation is provided.Written confirmation that *** will not publicly disclose medical information in the future.MCAs conduct is unethical, deceptive, and harmful to consumers. I request that the BBB hold them accountable for their unlawful actions.Complainant:*********************************, **

  

  Business Response

  Date: 08/18/2025

  She has been harassing us since February wanting proof of debt ( which we sent on 2/10/25) and since then she has been emailing and stating we are a "dirty business" and we violated HIPAA and citing all kinds of rules and regulations.  We proved she owes the debt and she doesn't want to pay so she keeps harassing us.  This is her deductible.  The bill amount has been the same and it remains unpaid since 8/12/24.   She is mad because it is on her credit.  I wish we could file a BBB complaint against her for wasting our time.  

  

  Business Response

  Date: 08/18/2025

  The bill she is showing for $240 was totally different than this one. She has 3 different last names so this one is under **** and the one for $240 was under ******** and a different patient which is clearly stated on the invoice.  

  Customer Answer

  Date: 08/19/2025

  MCAs reply is misleading. I am not disputing that I (******* ****) received medical care and was billed by ************************ for $507.81. The $240 bill they reference belongs to my daughter and is not the basis of this complaint. I have never denied that those are two separate accounts.
  What I am disputing are MCAs collection practices:
  Failure to Validate the **************start="606" data-end="609"> The only proof MCA has provided is a balance summary. They have not provided a wet-ink signature contract, an itemized provider bill, or proof of their legal authority/assignment to collect. Under the ****** this does not meet the standard for debt validation.
  Inflated & ***********************start="914" data-end="917"> The urgent care bill itself shows that a 25% collection fee ($101.53) was added before the account was ever paid or turned over. That fee was not authorized by me and is an abusive collection practice.
  Continued Contact After Cease & ****************start="1175" data-end="1178"> I sent *** a cease-and-desist communication disputing the debt. Despite this, they continued to email me directly, which is a violation of the ***** (15 U.S.C. 1692c(c)).
  HIPAA ******************start="1387" data-end="1390"> I never authorized MCA to access or disclose my private medical billing records. Their possession and especially any public disclosure of protected health information (PHI) raises serious HIPAA compliance issues.
  Credit *************************start="1643" data-end="1646"> *** reported this account to the credit bureaus as $507.85 conveniently just over the $500 threshold set by the ***** medical debt reporting guidance. This strongly suggests the amount was inflated to bypass federal consumer protections.
  
  Conclusion:
  MCAs attempt to shift blame by pointing to my daughters account does not change the fact that their collection practices are misleading, abusive, and unlawful. I continue to request that this derogatory entry be immediately deleted from my credit reports, that all collection activity cease until proper validation is provided, and that *** be investigated for violations of the ****** FCRA, and HIPAA.
  Sincerely,
  ******* ****

  

  Business Response

  Date: 08/19/2025

  ******* is the one that brought her daughter's bill into this conversation, we didn't even know that was her daughter.  As she also brought in a fake person from a ****** Review on our page that had nothing to do with her.  Again, she has been harassing us since February and we have not contacted her unless she contacts us first.  She has a legitimate outstanding bill that she has not paid.  She absolutely has denied that she owes this and said we have no right collecting on the bill.  This unpaid bill is from 8/12/24 and all she is doing is sending us nasty emails and not paying.  I am done responding to her threats.  We will not remove this from her credit while it is unpaid.  She can continue to waste her own time filing false claims with the BBB , attorney general or whomever she wants but this bill will not go away.  

  Customer Answer

  Date: 08/24/2025

  Consumer Rebuttal to MCA Management Companys Response:
  
  
  MCAs reply is inaccurate and unprofessional.
  
  
  Credit Report Status: Contrary to their statement, the derogatory entry has already been removed from my credit report. I have documented proof of this removal.
  Debt Validation & FDCPA Violations: I never denied receiving services from ************************* What I have consistently disputed is **** collection practices. *** has failed to provide proper validation as required by the Fair Debt Collection Practices Act (FDCPA) namely, a signed contract, an itemized statement from the original provider, and documented authority to collect. Instead, I was sent only a balance summary.
  Unauthorized Fees: The bill itself shows a 25% collection fee of $101.53 included in the balance before any collection efforts. This fee was not authorized by me and is prohibited under 15 U.S.C. 1692f(1), which bars collecting fees not expressly authorized by the agreement or by law.
  Cease & Desist Violations: I sent *** a cease-and-desist communication disputing the debt. They continued to email me afterwards, in violation of the FDCPA.
  HIPAA Concerns: Whether or not MCA knew about my daughter is irrelevant. My complaint included concerns over MCAs public disclosure of protected health information (PHI) in a ****** review reply, which is a matter of federal privacy law. ***** complaints have already been filed with the appropriate regulatory authorities.
  
  
  
  
  
  
  
  
  Conclusion:
  This BBB complaint is not about avoiding payment of legitimate medical services. It is about MCAs misleading, abusive, and unlawful collection practices. I will continue to cooperate with regulators (CFPB, FTC, HHS OCR, and the Missouri Attorney General) to ensure their conduct is reviewed.
  
  
  Sincerely,
  ******* ****
  
  

• Initial Complaint

  Date:08/03/2025

  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.

  I am a disabled veteran. *** is aware that I do not personally owe this ambulance debt and as a veteran they are to follow certain laws. They bought this debt due to ambulance company failed to submit proper billing to department of veterans affairs. *** has refused to fully respond to my debt validation request Debt Validation Letter. In this letter, they failed to submit for six things:The name of the original creditor (the company you owed money to before it turned the debt over to collections).The exact amount you owe.A signed (by you) copy of your original contract with the creditor.The most recent payment or transaction on the account.Proof that *** is legally allowed to collect the debt.MCAs license number to operate in your state.Provide all or delete this medical bill from my credit reports.

  

  Business Response

  Date: 08/04/2025

  This bill is from 2019 but she didn't start contacting us until December of 2023 because it was on her credit. We explained to her back then and again now that her insurance denied as out of network and applied the visit to her deductible.  We have sent her all the paperwork already and explained this to her numerous times.  The client's notes state she never contacted them to get this straightened out and she waited 3 years to contact us which is way too old to try and rebill or appeal the insurance.  This is her balance due for services she received.  

  Customer Answer

  Date: 08/04/2025

  Complaint: 23695214
  
  I have reviewed the business' response and am rejecting it because:
  Provide the requested per my debt validation request as required by law under FDCPA. 
  
  
  
  Sincerely,
  
  ******** *******

  

  Business Response

  Date: 08/05/2025

  Here is the paperwork from the client that we have already sent you.  The law states you have 30 days to dispute the validity of the debt.  We have had this past due account for 1751 days.  

  Customer Answer

  Date: 08/05/2025

  I want this accurately reported on my credit report as a medical collection from 2019 and my statement that I am a disabled veteran and the department of veterans affairs is responsible for my medical bills. It should be coded as medical OR delete it. *** is intentionally providing false information to credit bureaus and this is illegal. 

  Customer Answer

  Date: 08/06/2025

  Complaint: 23695214
  
  I have reviewed the business' response and am rejecting it because:
  
  The law states you are required to fully respond to debt validation requests. Your refusal is a violation of the law. I have disputed this since I was informed your company placed this on my credit report.  Your company is obligated to notify me in writing prior to placing negative information on my credit report. 
  Please send all documents per my debt validation request or I will accept non compliance as refusal and exercise my right to sue. 
  Sincerely,
  
  ******** *******

• Initial Complaint

  Date:07/21/2025

  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 MCA Management Company. I do not have a contract with Total Access, they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 07/22/2025

  He absolutely has a contract with Total Access Urgent Care.  See signed paperwork.  We have had this account for 2015 days and he has not contacted us once to resolve this.  He had services and didn't pay for them so this will remain on his credit until it is paid.  He is welcome to contact us and we can work with him.  

• Initial Complaint

  Date:06/17/2025

  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.

  The account stated on my credit report with M C A Management Co. has violated my federally protected consumer rights to privacy and confidentiality under 15 *** 1681.I looked at my Experian, Equifax, and ********** credit report on December 3, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681(e)(b). And according to 15 USC 1681 5 they are suppose to do this (5) Treatment of inaccurate or unverifiable information (A)In generallf, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall (i)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and (ii)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 *** 1681s-2 they are suppose to 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.Enclosing, I am not liable for this debt with M C A Management Co.; they did not provide me with the original contract as requested. Delete this account from my credit report.

  

  Business Response

  Date: 06/18/2025

  As she stated she saw this on her credit in December and never bothered to contact us to get this straightened out.  She went to the dentist and didn't pay her bill.  We have had this account for 450 days and not once has she tried to resolve this.  She is welcome to contact us and we will work with her

• Initial Complaint

  Date:05/31/2025

  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 not liable for this debt with *************** clinic care 2, I do not have a contract with medical commercial A, they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 06/01/2025

  We have had this past due account for 139 days and he has not responded to any letters, calls or emails. He has not asked for any proof and we can see that he has opened emails from us back in March.  He is welcome to call us and we can work with him.  We did verify with the client that this is a legitimate debt.  

• Initial Complaint

  Date:05/21/2025

  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.

  This third-party debt collector failed to follow proper procedure in handling account

  

  Business Response

  Date: 05/22/2025

  I don't know what the complaint is.  She has an outstanding dental bill. We have been trying to communicate with her since 5/1/23 and she has not responded to anything.  We verifed the debt is legitimate.