Debt collection -- False statements or representation -- Complaint #5963803
Complaint Overview
Complaint ID: 5963803
Company: Choice Recovery, INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Oklahoma
ZIP Code: 73160
Date Received: 2022-09-08T12:00:00-05:00
Date Sent to Company: 2022-09-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I noticed a collection placed on my credit report from Choice Recovery/XXXX XXXX XXXX ( now XXXX ). I sent several letters to their collection company, but they never replied to my letters. I was concerned that this was a potential identity theft related file since my identity was stolen multiple times over the years. I was able to finally confirm that was not the case. I have sent several emails to the Office Manager at XXXX XXXX XXXX XXXX but only received one response with a copy of a bill. I also copied several corporate office employees on my emails to her. They are ignoring my requests. I do not think the bill is accurate, since I had insurance and normally paid through my flexible spending account, any copays, deductibles etc. I called their collection agency today and was told that this account was closed and that they are not actively collecting since it is past the statute of limitations. He advised me to pay it if I wanted to. I let him know that I was disputing the amounts. He stated that he did not have any information to send me. I have several questions. If their collection agency has closed the account, they are not actively collecting and it is past the statute of limitations, then why is this still on my report? I am now questioning if XXXX has the correcting information on file as to when this account was delinquent and why is it still reporting. I also am concerned that their collection agency is familiar with my health information. I do not recall providing any authorization for their collection agency to have access to my health information ( per HIPPA ). This account needs to be resolved ASAP. I am trying to do research related to this, but XXXX, nor their collection agency are very helpful. I have offered to do a potential settlement on this since it is so old and I do not know how long it will take to research. XXXX has been nonresponsive. I need to get this resolved ASAP, as I need to get a medical procedure done and will need to get financing to get it done.
Frequently Asked Questions
What is Complaint #5963803 about?
Complaint #5963803 was filed against Choice Recovery, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2022-09-08T12:00:00-05:00.
How did Choice Recovery, 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 Choice Recovery, INC.?
Yes, visit the Choice Recovery, INC. company profile at readthecomplaint.com/company/choice-recovery-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.