Debt collection -- Attempts to collect debt not owed -- Complaint #11032898
Complaint Overview
Complaint ID: 11032898
Company: North American Credit Services
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Kansas
ZIP Code: 66223
Date Received: 2024-12-04T12:00:00-05:00
Date Sent to Company: 2024-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, my wife gave birth in XXXX XXXX XXXXXXXX and the XXXX XXXX XXXXXXXX XXXX XXXX did not have XXXX coverage at that time. We were told that the process would take a month for him to obtain coverage. In the mean time, we can still go for check up and services after birth for him. We can claim it with XXXX later and the bills would be paid. When our XXXX XXXX XXXX XXXX coverage, we forwarded the bills for payment immediately. However, XXXX XXXX still sent us bill and request for payment. When we called them, they told us that we did not have insurance coverage for our XXXX XXXX XXXX. We provided our insurance information to them to clear things up. However, they refused to listen and they insisted that we don't have coverage because the name on the insurance does not match the name in their system. The name on their system is XXXX XXXX and the name on our insurance is XXXX XXXX XXXX. They insisted that we owe the amount and we should stop playing games and start paying bills. They hung up on us after a few rude remarks. In fact, they have the wrong name on their billing system. We tried to tell them the issue but they refused to listen. According to XXXX XXXXXXXX XXXX XXXX XXXX record, the name they have is also XXXX XXXX XXXX. The name on the birth certificate is also XXXX XXXX XXXX. The name has been very consistent with the insurance and there was no apparent issue with names. In addition, they also billed us with the same name on the card insurance. We don't know why they did not update our insurance information for prompt payment. Instead, they insisted on being right and wasted everybody 's time and energy to satisfy their ego. It does not worth anything but troubles.
Frequently Asked Questions
What is Complaint #11032898 about?
Complaint #11032898 was filed against North American Credit Services regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-12-04T12:00:00-05:00.
How did North American Credit Services respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against North American Credit Services?
Yes, visit the North American Credit Services company profile at readthecomplaint.com/company/north-american-credit-services to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.