Debt collection -- Written notification about debt -- Complaint #5561338
Complaint Overview
Complaint ID: 5561338
Company: Americollect
Product: Debt collection
Sub-Product: Medical debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Colorado
ZIP Code: XXXXX
Date Received: 2022-05-14T12:00:00-05:00
Date Sent to Company: 2022-05-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I received a debt collection letter form Americollect for a medical bill that I owed. I sent an email asking for verification of the date, by which a letter was sent to me regarding the debt. The reason I disputed the debt was because I never received anything from the original creditor stating the debt was owed. Upon receiving the verification of the debt what I noticed was that the XXXX XXXX XXXX XXXX received payment from my insurance on XX/XX/21 and instead of sending me the bill they wrote it off on XX/XX/21 and sent it to collections without having the opportunity to pay the bill. Any previous bills I had received I paid upon me receiving them. Furthermore they sent me text messages about previous bills were due, but for this one they did not send anything. Even if they had sent the text on XX/XX/21, the same day that my insurance paid their portion, it wouldnt't have mattered because 3 days later they sent it to collections. XX/XX/21 XXXX XXXX {$150.00} XX/XX/21 Provider received payment {$100.00} XX/XX/21 Written Off/sent to collections {$19.00} The issue is not the amount due as I was also able to confirm the amount via my EOB from my insurance plan. The issue is an account being sent to collections and a debt collection letter being received regarding a debt that was never invoiced to me.
Frequently Asked Questions
What is Complaint #5561338 about?
Complaint #5561338 was filed against Americollect regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2022-05-14T12:00:00-05:00.
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.