Debt collection -- False statements or representation -- Complaint #19517128
Complaint Overview
Complaint ID: 19517128
Company: Americollect
Product: Debt collection
Sub-Product: Medical debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Georgia
ZIP Code: 31404
Date Received: 2026-02-15T12:00:00-05:00
Date Sent to Company: 2026-02-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am submitting this complaint regarding a medical debt that a collection agency has failed to properly validate after receiving my written dispute. Debt Collector Name : AMERICOLLECT INC Amount Allegedly Owed : {$1100.00} Original Medical Provider : XXXX XXXX XXXX Date of First Contact : XX/XX/year> On XX/XX/year>, I sent a written debt validation request to the collection agency within 30 days of receiving their initial communication. My request was sent via certified mail. The agency received my dispute but has failed to provide proper validation of the alleged debt. To date, the collector has not provided sufficient documentation to verify : * That I am legally responsible for this medical debt. * A detailed, itemized billing statement from the original medical provider. * Proof that the amount claimed is accurate and includes no unauthorized fees or charges. * Documentation showing the collector has legal authority to collect this specific debt. Despite my timely dispute, the collector has continued collection efforts and/or reported this account to credit reporting agencies without first providing proper validation. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector must cease collection activity until proper verification of the debt is provided after a timely dispute. I respectfully request that the CFPB investigate this matter and require the collector to : * Provide proper validation of the alleged medical debt. * Cease collection activity until validation is provided. * Correct or remove any inaccurate credit reporting associated with this account. I have attached copies of my validation request and relevant correspondence. Thank you for your assistance in resolving this matter. Sincerely, XXXX XXXX XXXX east XXXX XXXX XXXX, GA, XXXX
Frequently Asked Questions
What is Complaint #19517128 about?
Complaint #19517128 was filed against Americollect regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2026-02-15T12:00:00-05:00.
How did Americollect 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 Americollect?
Yes, visit the Americollect company profile at readthecomplaint.com/company/americollect 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.