Debt collection -- Attempts to collect debt not owed -- Complaint #5568535
Complaint Overview
Complaint ID: 5568535
Company: Consumer Adjustment Company Incorporated
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Missouri
ZIP Code: 63026
Date Received: 2022-05-16T12:00:00-05:00
Date Sent to Company: 2022-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I discovered on my credit report recently an account in my name for {$900.00} at a local hospital that was supposedly placed in collections in XXXX of XXXX. The problem is that I have never received a bill nor even a letter from any collections agency for this mystery bill, nor can anyone from the hospital tell me what the bill is supposedly for or why its showing as derogatory/in collections on my credit report. In fact, in XXXX of XXXX, I suffered an emergency XXXX XXXX in the middle of the night, resulting in an ER visit and many trips to various specialists, labs for blood work and XXXX XXXX, XXXX XXXX, and an XXXX. I have faithfully paid every medical bill that has come to my home since. I have lived at my current residence since XXXX, so letters from the last 4 years and roughly 8 months would come to my current address. Ive been asking, begging even for answers for months now, but as of this morning, XX/XX/XXXX, even the assistant director of patient financial services at the hospital can not tell me where the {$900.00} bill came from or why Im being reported for it. According to every single person in billing/patient accounts/financial services that Ive spoken to at the hospital, all of my accounts are current and being paid on time, which is precisely my own understanding, as Im the one who pays my medical bills and do not fail to do so. I am very protective of my finances and credit. My spouse and I have worked very hard for 8 years to finally buy our first home, and this surprise derogatory on my credit has made what should be a joyful time for us a complete nightmare. We are not able to move on with our lives until this is rectified due to the harm it could cause us financially. Ive paid thousands in copays and bills already to this very hospital, and this billing error needs to finally be fixed. I have emailed everyone I can email, including the acting president and CEO of the hospital, in hopes that someone will finally end this nightmare. XXXX recommended I come here to file a complaint since the collections agency that has this erroneous account is who is contacted for disputes, not the hospital, so of course, they say its all correct. I have all of the many emails saved to a PDF documenting the months Ive spent asking for answers and help resolving this, and I am happy to provide them in addition to the latest communications that Im including with this report. The file is more than XXXX and I could not upload it.
Frequently Asked Questions
What is Complaint #5568535 about?
Complaint #5568535 was filed against Consumer Adjustment Company Incorporated regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-05-16T12:00:00-05:00.
How did Consumer Adjustment Company Incorporated 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 Consumer Adjustment Company Incorporated?
Yes, visit the Consumer Adjustment Company Incorporated company profile at readthecomplaint.com/company/consumer-adjustment-company-incorporated 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.