|
2285222
|
2017-01-11
|
Improper contact or sharing of info
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Improper contact or sharing of info
|
| Timely |
No
|
| Company |
Financial Corporation of America
|
| Product |
Debt collection
|
| Sub Issue |
Contacted me after I asked not to
|
| Sub Product |
Medical
|
| Date Received |
2017-01-11
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-01-11
|
| Complaint What Happened |
I have an agreement with XXXX XXXX XXXX to make monthly payments, for which I am up to date. I am receiving letters from Financial Corporation of America stating they are debt collectors, that my bill is not paid despite previous requests and that my balance is seriously overdue. The amount quoted is not the amount outstanding on the payment plan. The hospital confirmed that my payment plan is up to date and not in arrears. Despite phone calls explaining that I am making payments I am still receiving these harassing letters which are causing me a lot of stress.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1620575
|
2015-10-22
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Corporation of America
|
| Product |
Debt collection
|
| Sub Issue |
Debt resulted from identity theft
|
| Sub Product |
Medical
|
| Date Received |
2015-10-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-10-22
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
In XXXX 2009 my personal information was compromised when my car was broken into and my handbag stolen. Since XXXX 2009 a series of accounts have been opened using my personal information this has caused my once great credit to plummet to zero. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1620577
|
2015-10-22
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Corporation of America
|
| Product |
Debt collection
|
| Sub Issue |
Debt resulted from identity theft
|
| Sub Product |
Medical
|
| Date Received |
2015-10-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-10-22
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
In XXXX 2009 my personal information was compromised when my car was broken into and my handbag stolen. Since XXXX 2009 a series of accounts have been opened using my personal information this has caused my once great credit to plummet to zero. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1682385
|
2015-12-03
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Corporation of America
|
| Product |
Debt collection
|
| Sub Issue |
Debt resulted from identity theft
|
| Sub Product |
Medical
|
| Date Received |
2015-12-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-12-03
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
In XX/XX/XXXX I filed a complaint against this company and they responded by stating the following : '' Financial Corporation of America shows no open inventory or credit reporting under your name or social security number ''.
Again I submit my complaint ... In XX/XX/XXXX my personal information was compromised when my car was broken into and my handbag stolen. Since XX/XX/XXXX a series of accounts have been opened using my personal information this has caused my once great credit to plummet to zero. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1500678
|
2015-08-04
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Corporation of America
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2015-08-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-08-11
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Financial Corp. America refusing to remove, by law, a proven fraudulent credit profile account off my credit reports.
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX ) XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation.
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1338373
|
2015-04-20
|
Disclosure verification of debt
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Financial Corporation of America
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Credit card
|
| Date Received |
2015-04-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-04-27
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1944570
|
2016-05-27
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Corporation of America
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical
|
| Date Received |
2016-05-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-07-11
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Robocall from XXXX asking for payment of medical bill for my deceased mother-in-law that has been paid to XXXX XXXX Hospital, XXXX, Fl.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6924308
|
2023-05-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Corporation of America
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2023-05-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-03
|
| Complaint What Happened |
I received a notification to pay medical debt owed that is not mine. My husband received a similar letter XXXX weeks ago that he filed a complaint about. We have private insurance, the company is Financial Corporation of America for {$1100.00}.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6443238
|
2023-01-17
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Financial Corporation of America
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2023-01-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-17
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1682383
|
2015-12-03
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Corporation of America
|
| Product |
Debt collection
|
| Sub Issue |
Debt resulted from identity theft
|
| Sub Product |
Medical
|
| Date Received |
2015-12-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-12-03
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
In XX/XX/XXXX I filed a complaint against this company and they responded by stating the following : '' Financial Corporation of America shows no open inventory or credit reporting under your name or social security number ''.
Again I submit my complaint ... In XX/XX/XXXX my personal information was compromised when my car was broken into and my handbag stolen. Since XX/XX/XXXX a series of accounts have been opened using my personal information this has caused my once great credit to plummet to XXXX. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8079552
|
2023-12-30
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Financial Corporation of America
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2023-12-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-30
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5322328
|
2022-03-14
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Financial Corporation of America
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Medical debt
|
| Date Received |
2022-03-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-14
|
| Complaint What Happened |
I went into XXXX at the hospital in XXXX, TX on XX/XX/21, I paid {$1200.00}, but I had a bad experience and don't live in Texas anymore.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5668511
|
2022-06-14
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Financial Corporation of America
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2022-06-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-14
|
| Consumer Consent Provided |
Consent withdrawn
|
|
|
3957371
|
2020-11-16
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Financial Corporation of America
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Medical debt
|
| Date Received |
2020-11-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-11-16
|
| Complaint What Happened |
XX/XX/2020 - Received call from " XXXX '' with Financial Corporation of America stating they were attempting to collect a debt for XXXX XXXX XXXX. I informed him I would make the payment the next day via online.
XX/XX/2020 - Tried to make payment online through XXXX XXXX XXXX, they showed a XXXX balance.
XX/XX/2020 - I phoned FCOA to let them know I was unable to make a payment online. I gave them my account information and they said they could not locate any account for me. The rep requested my full social security number, which I declined to give over the phone.
XX/XX/2020 - I received a debt collection letter in the mail dated XX/XX/2020. The total amount due from FCOA was {$1000.00} which was different than my statement from XXXX XXXX XXXX of {$970.00}.
XX/XX/2020 - Attempted to locate account with FCOA ( now that I received letter with new account number ) and still could not locate. Website stated " FCOA Payment Portal does not Authenticate ''. Created an account, received the same message.
XX/XX/2020 - Phoned FCOA to discuss statement balance discrepancies. Spoke to a rep that was extremely rude, said the balance of {$1000.00} was from XXXX XXXX XXXX. I told her " not according to the statement I am looking at ''. She then said I needed to fax the statement to FCOA. I told her I did not have a fax machine. She responded with " that's what XXXX XXXX is for ''. I requested that she send me a statement that was broken out with the charges. As of XX/XX/2020, that document has not been received.
XX/XX/2020 - Spoke to " XXXX '' from XXXX XXXX XXXX. I explained to her what was happening with FCOA. She verified that the amount I had was correct. She said she would try to have the statement reversed so I could pay them directly or look into the reason why there was a difference with FCOA in the amount of {$94.00}.
XX/XX/2020 - Received a call from FCOA stating if I paid this debt within 30 days I would receive a 30 % discount. I explained to the rep that the totals were different. She asked if I could email my statement to FCOA. I agreed to send, but then she told me my account rep was " XXXX '' and she would relay this information and have him call me. I provided her with both my home number and my cell number. As of XXXX call from XXXX.
XX/XX/2020 - I attempted to reach XXXX/FCOA. A rep that answered the phone said he would transfer me, gave me a new phone number to call XXXX and the phone went to voice mail. I left message, with phone numbers again.
XX/XX/2020 - I called XXXX XXXX XXXX and tried to find " XXXX '' but " XXXX '' said she could assist me. When I explained the situation, she only stated that " will have to wait for a response from FCOA. I told her we requested this over a month ago and my credit is getting ruined NOW. She could not provide any information.
I have made NUMEROUS attempts to pay this debt but unable to pay online and will not pay a higher amount than what is owed. Nobody can explain to me why this amount is higher than what I actually owe, and I think it is illegal. I have never worked this hard to try and pay a bill!!!
|
| Consumer Consent Provided |
Consent provided
|
|
|
2969831
|
2018-07-22
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Corporation of America
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2018-07-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-07-22
|
| Complaint What Happened |
On XX/XX/2018 i received a letter from a collection agency - Financial Corporation of America trying to collect a debt in the amount of {$190.00} for XXXX XXXX XXXX XXXX. I sent a check to XXXX XXXX a check on XXXX-XXXX-18 and the check was deposited in their account on XX/XX/18. Per conversation with a representative at Financial Corporation of America, the collection request sent to them on XX/XX/2018.
I need to have this investigated
|
| Consumer Consent Provided |
Consent provided
|
|
|
1397542
|
2015-05-29
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Corporation of America
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-05-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-05-29
|
| Company Public Response |
Company believes complaint is the result of an isolated error
|
| Complaint What Happened |
Collection company keeps calling my work phone number ( XXXX ) over the past four weeks. They call asking to speak to XXXX XXXX. I have told them every time they have called that there is no person named XXXX XXXX, and that they are, in fact, calling XXXX XXXX XXXX. I have requested they remove this number from their calling list. They have said they would, and yet they call me every week. They call from XXXX, I have recorded phone calls telling them that there is no one here by that name on XXXX and XXXX, but they have called on multiple occasions, probably XXXX times in total.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2174032
|
2016-10-22
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Financial Corporation of America
|
| Product |
Debt collection
|
| Sub Issue |
Right to dispute notice not received
|
| Sub Product |
Medical
|
| Date Received |
2016-10-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-10-22
|
| Complaint What Happened |
I wrote Financial Corporation of America company twice asking them to send specific verification of the alleged debt, In response they evaded and/or avoided my debt verification request in an attempt to collect money they allege I owe them. I have no contract with Financial Corporation of America.
A final letter mailed from FCoA Corp., that they will not respond to my verification because 30-days had past. Please let the record show that they only mailed me an original creditors bill and a copy of the outpatient care consent form I never received or gave my initials next too. Also, while under heavy med, # XXXX was not read to me, first time seeing this.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1612499
|
2015-10-18
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Financial Corporation of America
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Medical
|
| Date Received |
2015-10-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-10-21
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Debt validation was requested but collection agency never responded to request.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1491337
|
2015-07-28
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Corporation of America
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Medical
|
| Date Received |
2015-07-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-08-04
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Other
|
|
|
1768323
|
2016-02-02
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Corporation of America
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Medical
|
| Date Received |
2016-02-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-02-02
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I am a Medicaid recipient who visited the hospital and provided proper insurance information, the hospital never submitted the bill to Medicaid and send me the bill instead. I contacted the hospital again and provided XXXX more time my insurance information however according to the Medicaid office they never submitted any bills on my behalf. Today I received a bill from a collection agency who is refusing to provide me with information regarding my bill and proof that the hospital submitted the bill to Medicaid.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4808034
|
2021-10-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Corporation of America
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2021-10-14
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-14
|
| Consumer Consent Provided |
N/A
|
|
