Debt collection -- Written notification about debt -- Complaint #4676118
Complaint Overview
Complaint ID: 4676118
Company: Herbert P. Sears Co., INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Washington
ZIP Code: 98198
Date Received: 2021-08-30T12:00:00-05:00
Date Sent to Company: 2021-08-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The account is under HP Sears who is the collection agency but the original creditor is XXXX XXXX. I disputed this debt twice with XXXX only for them to just update that it was verified but not providing me any other information. I reached out directly on XX/XX/30 to XXXX XXXX to try to obtain a copy of the original agreement and itemized bill so I could see what what the charges are, if my insurance covered and what late fees they charged and what I may be responsible for. XXXX XXXX was recently involved in a class action settlement ( will attach email sent to me ) that they overcharged patients late fees. I wanted to take a look at the statement because I know there will need to be an adjustment to what I was charged. While on the phone with the representative at XXXX XXXX, he was very rude and said he could not provide me any information and I would need to talk to HP Sears and before I could say anything he immediately ended the call. I was transferred to HP Sears where I spoke with a representative, XXXX, who said he would try to locate the itemized bill to send to me but if XXXX XXXX wouldn't provide it how would he? My biggest issue is I was never notified of this debt properly. The amount being report is different from what HP Sears is saying I owe. He gave me information to log in to see what they are reporting. Again, the original creditor, XXXX XXXX, would not even provide me with the copies of the bill with a breakdown of services and contract to properly validate this debt and I was a direct patient of theirs. I was never provided notice of this collection account which is directly violation of my FCRA rights.
Frequently Asked Questions
What is Complaint #4676118 about?
Complaint #4676118 was filed against Herbert P. Sears Co., INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2021-08-30T12:00:00-05:00.
How did Herbert P. Sears Co., INC. 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 Herbert P. Sears Co., INC.?
Yes, visit the Herbert P. Sears Co., INC. company profile at readthecomplaint.com/company/herbert-p-sears-co-inc 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.