Debt collection -- Attempts to collect debt not owed -- Complaint #7806121
Complaint Overview
Complaint ID: 7806121
Company: Firstcredit, INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Idaho
ZIP Code: XXXXX
Date Received: 2023-11-05T12:00:00-05:00
Date Sent to Company: 2023-11-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The description of the complaint, including names, dates and actions : I was a patient at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after an auto accident that resulted in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Medicare and XXXX XXXX covered the rest. The bill was paid in full when XXXX paid the rest.XXXX XXXX kept billing me for three accounts that had been paid. The three accounts are... ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is the amount they kept billing me for. XXXX XXXX has harassed me many times about still owing {$1000.00}. I have responded through a call, a message sent to them via XXXX XXXX and via USPS. I have repeatedly told them the bill was paid in full when XXXX XXXX sent XXXX XXXX a check for XXXX! I spoke with XXXX XXXX at XXXX XXXX on XX/XX/XXXX. She told me a check was sent to XXXX XXXX for {$1000.00} The check number was XXXX and the check was cashed on XX/XX/XXXX. XXXX XXXX actually turned this over to First Credit INC, a collection agency. XXXX, XXXX XXXX already got paid and got paid XXXX XXXX more than the bill. Yet they turned this over to a collection agency, even after I contacted them multiple times. On XX/XX/XXXX I called the First Credit collection agency, and they asked for a reference number. I told the person the first reference number and said there are two more. She said she knew and all three were sitting right in front of her. I said I want to verify the other two reference numbers. She refused. She said she wouldn't do it that way, then demanded all sorts of identifying information which I would not give her until she verified the other two reference numbers. She interrupted me several times and was uncooperative. I tried again to call and the same thing occurred. I simply wanted to verify the reference numbers because there has been so many problems with this bill. First Credit INC has three reference numbers that total {$1000.00} The first reference number they have listed is XXXX for {$740.00} Before it was turned over to collections, XXXX XXXX had Account number XXXX for {$740.00} dollars. The second reference number to First Credit INC is XXXX. XXXX XXXX had Account number XXXX for {$150.00} The third reference number to First Credit INC is XXXX. XXXX XXXX had Account number XXXX for {$150.00}. The total is {$1000.00} and that has already been paid with an XXXX XXXX XXXX given to XXXX XXXX XXXX. Refer to the aforementioned check number and the date XXXX XXXX XXXX cashed the check. This should never have been turned over to collections, and collections should never harass me for a bill that has been paid in full. I think the collection agency bought what they thought was debt. But, it wasn't debt. I wrote on the back of the bills that First Credit sent me as instructed, enclosed the three bills in their envelope and I mailed it USPS on XX/XX/XXXX! Contact information for XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Credit INC XXXX FCI ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #7806121 about?
Complaint #7806121 was filed against Firstcredit, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-11-05T12:00:00-05:00.
How did Firstcredit, 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 Firstcredit, INC.?
Yes, visit the Firstcredit, INC. company profile at readthecomplaint.com/company/firstcredit-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.