Debt collection -- Written notification about debt -- Complaint #6577130
Complaint Overview
Complaint ID: 6577130
Company: Express Recovery Services, INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Utah
ZIP Code: 84015
Date Received: 2023-02-15T12:00:00-05:00
Date Sent to Company: 2023-02-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX I was notified that I was being sued for a medical debt from XXXX XXXX. I called the lawyer attempting to find out what was owed. He would not send me a detailed bill and said it was owed to express recovery services. Express had contacted me on the phone in XXXX and said I had a bill due with XXXX XXXX. I was never provided any written validation of debt or communication after the phone call. I attempted to go to XXXX XXXX in XXXX And they said I had a past due balance. I asked for the total and paid it promptly. I assumed this was the original debt referred to by express recovery services. I contacted them again a week later and they still had not seen the payment so I tried to pay again but my card was denied due to having already paid the week before ( we only had enough to pay the original amount ). We were never informed that there were actually two charges of debt from XXXX XXXX and that we still owed {$210.00}. They are now suing us for {$750.00} to cover attorney fees for a debt we were never notified of. Only after our response to the lawsuit did we finally see a bill outlining what the original charges were for. After seeing the bill we would like to pay the charges that are owed but now they won't accept it without exorbitant legal fees. This is obviously just a way for the lawyer to make money. If they wanted their actual money from the charges they would have sent us a bill at any time! We were never notified in writing of the debt collection effort.
Frequently Asked Questions
What is Complaint #6577130 about?
Complaint #6577130 was filed against Express Recovery Services, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2023-02-15T12:00:00-05:00.
How did Express Recovery Services, 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 Express Recovery Services, INC.?
Yes, visit the Express Recovery Services, INC. company profile at readthecomplaint.com/company/express-recovery-services-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.