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:03/20/2024

  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.

  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 requested

  

  Business Response

  Date: 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

  Date:02/29/2024

  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 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

  Date: 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 Answer

  Date: 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

  Date: 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

  Date:02/22/2024

  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 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

  Date: 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

  Date:12/27/2023

  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.

  Not mine. Please delete it from my report.

  

  Business Response

  Date: 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.  

• Initial Complaint

  Date:12/15/2023

  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.

  I am not liable for this debt with medical commercial audits inc . I do not have a contract with this collection agency medical audits inc, they did not provide me with the orginal contract as requested

  

  Business Response

  Date: 12/16/2023

  ****** has never contacted our office and we have had the account since 9/12/19.  Our mail has not returned.  He has not responded to letters, or phone calls.  He has never requested proof of the debt or anything from us.  Our first letter that went out on 9/13/2019 stated if he disputed the validity of the debt to request in writing proof which he did not.  This is the first time we are hearing anything from him.  He is welcome to contact our office and we will help him and provide him with proof of the debt.  We will not delete this from his credit report until he can prove this is not his debt. 

• Initial Complaint

  Date:11/16/2023

  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.

  This company has been harassing me for 8 years. I called them to take care of a collection that was previously paid by my insurance company and was harassed for payment, called names and yelled at. I was unable to pay and resolve this issue because of being discriminated against for a medical debt.

  

  Business Response

  Date: 11/17/2023

  Her statement is untrue.  She called our office demanding for us to do things against our policy.  The first agent she spoke with kept telling her our policies and she would not listen.  The supervisor told her the same policies while being screamed at.  No one called her any names.  She then called our client and complained about us, in which they called us and we explained the situation.  We have not had all of her accounts for 8 years, so that is impossible and she claims her insurance already paid this so why would she try to pay again?  If the bills were paid, we would stop calling her.  She and her husband have been trying to negotiate (meaning discount) these bills for a long time and we have never received a payment.  Our clients deserve to get paid for their services.   

  Customer Answer

  Date: 11/17/2023

  I did call to pay for the account and they would not agree to send me an email stating that it would be cleared from my credit report if I paid. ******* had a horrible attitude with me and transferred me to ******** who picked up the phone screaming and demanding things of me. Thats when I hung up and contacted the client and you. Their client was already paid by insurance at the time of the service and are demanding more money on top of what the insurance paid. 
  

  My husband called one time last April to negotiate with them and they will not negotiate. They wont listen. I cant pay a bill if they wont work with me. 
  

  it is illegal for them to continue to harass me when they wont work with us.

  

  Business Response

  Date: 11/20/2023

  I am absolutely rejecting this.  First off, I reviewed the call and ******* is my nicest sweetest agent that we have.  She never raises her voice or says anything out of line.  I sit by her and hear most of her calls.  She kept telling ****** what our policies are and ****** didn't like them.  This balance that she is talking about was not paid by the insurance (see the attached documentation).  These anesthesiologist treated her son for a surgery and her insurance applied it to her deductible so the insurance paid zero.  If you look at page 2 it shows the balance was $648.00, the insurance paid 0 and wrote off $148.00 leaving her balance due. The anesthesia group tried to get her to pay several times before they sent it to collections.   On top of that she still owes 6 other accounts for the same anesthesiology group going back to 2017 with no payments at all.  They are nice enough to keep treating them as a family without getting full payment.  As far as harassing her, she called US because it is affecting her credit!  When you have 7 outstanding accounts you are going to get letters and phone calls which are completely legal.  Our policy stands that we will not take this off of her credit while it remains unpaid and we don't send special letters prior to it being paid.  

  Customer Answer

  Date: 11/22/2023

  Complaint: 20879601
  
  I am rejecting this response because: I have made attempts to pay this debt and they will not resolve it. The conversation lasted about 3 minutes. Thats how fast she got an attitude. She switched me to ******** without telling me and she picked up the phone screaming at me, thats when I hung up. Legally they cannot send me anything from 2017 as the 7 year time frame has passed. I have one collection on my credit that hasnt passed the 7 year time frame and that is what I would like to pay. I never had any interaction with the anesthesiology company outside of this collection agency. 
  

  It is also illegal for them to talk about my families medical history other than anything I am calling about or to mention anything about them here and certainly they cannot post statements about their procedures here. These are for minor children not adults. Have you heard of Hippa laws? I am sure you dont want a law suit next. 

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

• Initial Complaint

  Date:08/19/2023

  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.

  Tam not liable for the debt for ***** ****** ****** ****, I did not authorize MCA Management Co. they never provided me with an original contract as I requested.

  

  Business Response

  Date: 08/20/2023

  ****** has never contacted us about this bill.  We have had the account for 573 days, sent numerous letters, made phone calls and sent emails with no response.  Our mail and our emails have not returned.  If he wants proof of the debt he can contact us and we will provide it.  

  Customer Answer

  Date: 08/21/2023

  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  
  
  You should have spoke to my insurance and they should have handled this situation instead of it being on my credit report. 
  
  
  
  Sincerely,
  
  
  
  ****** *****

  

  Business Response

  Date: 08/21/2023

  We are the collection agency so we have nothing to do with billing or talking to you insurance.  ***** ****** ****** **** did bill your insurance and they did a write off and applied the rest to your deductible, which they sent to you in an invoice. I have attached all the paperwork showing how much was billed, how much was written off and how much was applied to your deductible.  You also signed a financial sheet stating if they account came to collections you would be responsible for all collection agency fees. The date of service is from 5/26/21 so they gave you plenty of time to work this out before it came to collections.  

• Initial Complaint

  Date:08/16/2023

  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 for this debt and i donot have the contract with MCA MGMNT CO plus they do not provide me wtih the orginal application like i asked

   

  MCA MGMNT CO
  **** **** ***** ****
  High Ridge MO, 63049

  

  Business Response

  Date: 08/16/2023

  ****** already filed a BBB complaint on 10/14/22 with an ID of 18222110 & 11/13/22 with an ID of ********.  We already sent her proof of the debt with her signature.  The responses are the same as the last two times she filed the complaint.  

• Initial Complaint

  Date:08/14/2023

  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.

  On 8/14/2023, I received an email in violation of the Fair Debt Collection Practices Act and HIPAA, wherein MCA Management Co. disclosed that it was attempting to collect a debt without first confirming they had positively identified the consumer they were attempting to reach. See the attached violation.
  
  Collection agencies are not allowed to give out health information to someone who was not confirmed to be the consumer, per their verification process.

  

  Business Response

  Date: 08/15/2023

  The email address was provided by ***** when she visited the clinic and according to Reg F we are allowed to email invoices for past due balances.  We didn't put any treatments or diagnosis on the email just the balance due.  We have taken out her email address and will not email anything else to her.  The balance is still due.  

• Initial Complaint

  Date:04/10/2023

  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 company has yet to furnish any documentation and has also violated HIPPA and this company has failed to investigate the charges and demand payment on something I'm not responsible for paying.
  1* *** **** section *** * States I have the right to privacy
  
  ** **** * **** section A Section 2: It also states a consumer agency cannot furnish an account without my written instructions
  1* ***** *****

  

  Business Response

  Date: 04/11/2023

  We have not violated HIPAA, once a bill goes unpaid, the provider is allowed to turn the account over for collections.  Secondly, she has never sent a dispute letter asking for the paperwork ( I have attached it here)  We have talked to her several times and each time she claimed she knew nothing about it and hung up on us.  I have attached the client notes where she states she would pay $100 and never did.  She disputed with ****** several times and each time we responded as a valid debt.  The last time she called on 3/31/23 she was extremely rude to our agent and demanded we delete this from her credit.  We offered the client's phone number since she said it was a billing issue (even though the bill is from 2018) and she refused.  She hung up on us again.  

  Customer Answer

  Date: 04/11/2023

  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  This letter is completely false! The office stated that the charges were from 2015! labor and delivery charges from 2015!  I had no visits in 2018! The office original creditor told me about this in 2017 but Medicaid covered 100% of my visits. The billing office told me about the bill in 2017, but said it was an error and that it would be corrected, and the Dr. continued to see me. I'm not going to agree to pay something I do not owe.  I do in fact have a voicemail stating the dates of the charges from the office! I never agreed to pay anything because I was 100% covered and if it was *** I was talking to back then and not the billing office at the Drs office, then you provided personal information that indeed violated HIPPA. I'm glad you sent over that "bill" because that will indeed prove this is false charges! 
  
  
  
  
  
  Sincerely,
  
  
  
  ****** *******

  

  Business Response

  Date: 04/11/2023

  I am sorry, I thought I sent both PDF's.  See attached.  It shows the other dates too.  Again, please see the notes from the client stating you promised to pay.  If you think these are false, call the doctors office that performed the services.  We have offered that information to you several times and you refused

  Customer Answer

  Date: 04/11/2023

  When I contacted *** over a week ago the agent indeed hung up on my while I was trying to explain the situation to them, she failed listen to what I was saying. All she demanded was a payment. I said I don't owe the payment and she said, "oh well call them" and hung up on me. I also was given the fax number and sent in a debt validation letter 0n 04/05/2023 at 3:50pm. It was successfully sent and came back complete, and it shows the letter that was sent as well and they never sent back anything, but they sent a receipt on here. I would like for them to contact the Dr. office and demand the receipt because that "receipt" isn't accurate and its false documentation. 

  Customer Answer

  Date: 04/11/2023

  You did not offer anything actually, the more paperwork you send just proves me right. I never talked to anyone in 2018 about a payment. I talked to someone May 2018 about 2015 charges. Also, you absolutely did not offer anything to me because if you did, I would have it. It took me writing to the *** in order to receive anything. When I tried to explain, I was hung up on, you record calls you should know. And the Dr continued to see me because it was on their end. Also, the billing codes are false. If you would of gave me this information years ago, I would have had it. I still see the same Dr. Also, the "notes" of me calling never happened. I've been trying to reach out to the office! 

  Customer Answer

  Date: 04/11/2023

  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  The all these documents are false and I want this removed from my credit report. Even the call logs are bogus. I never made arrangements are set up payments. The Dr. Office said that to act as if they were contacting me. It states my insurance didn't cover the fees, but it indeed covered it. I still was being seen at the office and they never mentioned it to me after May 2017 because they said they would take care of it. *** should do an investigation before actually sending things to credit bureas hurting people's credit! They only reason I was sent the documents was because I contacted the ***. But thanks for the documents because now I can really prove wrongdoing! And that these codes charged were fraudulent and can take further action. 

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

  Customer Answer

  Date: 04/11/2023

  Do me a favor and read through every single line on every page and you will see a lot of discrepancies. Also, if they told me about the $545 charge in 2017 of May, how is it that in 2018 I have charges and where did the 2017 charge go? I guess in 2017 they can predict future charges?  These documents are missing pages. Also, I would like to get the recorded calls. They have mentioned I've contacted them and made arrangements; you should check those lines one by one because it's plenty of errors and things missing on here. You have failed to investigate an error and caused damage to my credit over a period of almost 5 years. 

  Customer Answer

  Date: 04/12/2023

  Also the calls are recorded, and this company never offered any documentation to me. All they have done was told me I need to pay the "debt" and never offered any papers instead they hung up on me.  Also, I have proof of calls, disputes with the credit bureaus over the years trying to dispute this matter, it wasn't until 4/11/2023 they have sent me anything. I'm still a patient at the Dr's office so if they wanted to "get in touch" they would know how to reach me. If the agency would had given me this paperwork, I would have known actually what to get from the insurance. I was told by the office to contact the agency. As I stated, the agency failed to investigate and thoroughly look over paperwork and failed to ask for missing documents. Which indeed they're missing documents which will show proof of false charges. I'm very much aware of the laws and I know my rights. And with the 4/11/23 documents it will prove wrongdoing.

  Customer Answer

  Date: 04/13/2023

  This was a waste of my time and I see the *** validate anything in black and white even if it's false. Not a credible site.