Debt collection -- Attempts to collect debt not owed -- Complaint #13128517
Complaint Overview
Complaint ID: 13128517
Company: Continental Credit Control
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: California
ZIP Code: 91040
Date Received: 2025-04-22T12:00:00-05:00
Date Sent to Company: 2025-04-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint against Continental Credit Control regarding a medical bill they have placed in collections, which I have already resolved through my health insurance provider. On XX/XX/year>, I received a XXXX XXXX at XXXX XXXX XXXX XXXX. At that time, I was insured through XXXX XXXX. My insurance provider confirmed that my total responsibility for the service was a {$150.00} co-pay, which I paid. Following the service, I began receiving additional billing requests from XXXX XXXX XXXX XXXX for a higher amount. Concerned, I contacted my insurance company, who investigated the matter directly with the provider. After reviewing the claim and speaking with the providers billing department, the insurance company confirmed that my financial responsibility remained only {$150.00}, and no further payment was owed. Despite this resolution, I have now received notice from Continental Credit Control, a collection agency, attempting to collect an unjustified additional amount for the same XXXX XXXX Their letter is threatening in tone, causing undue stress and implying negative credit consequences. This is especially concerning since I have already paid the full amount I owe, and my insurance carrier confirmed the account was resolved. I request that : 1. Continental Credit Control immediately cease all collection efforts regarding this invalid debt. 2. The collection entry be removed from any and all credit reporting agencies if it has been reported. 3. A formal apology and written confirmation be provided stating that the account has been closed and no further action will be taken against me. This situation has caused unnecessary distress and is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) if they continue to pursue a resolved and disputed debt. I am prepared to escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office if this issue is not resolved immediately and in my favor.
Frequently Asked Questions
What is Complaint #13128517 about?
Complaint #13128517 was filed against Continental Credit Control regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-04-22T12:00:00-05:00.
How did Continental Credit Control 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 Continental Credit Control?
Yes, visit the Continental Credit Control company profile at readthecomplaint.com/company/continental-credit-control 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.