Consumer complaint received 2018-05-11
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Phone # XXXX Debt Collection Agency - Capital Accounts LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Phone # XXXX Original Credit Debtor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Phone # XXXX Billing- XXXX Capital Account called me Saturday XX/XX/XXXX. After confirming my identity they stated that I was in default with a debt and that I owed {$1800.00}. 
I replied that this was a not my debt and that there must be a mistake. They again confirmed my identity and stated no this information had been provided the original creditor and I was in fact in default and owed the money. I responded then this is identity fraud as I have never visited this doctor, I live in XXXX XXXX, XXXX, and I have health Insurance. 
He became very irate and belligerent. At this point I hung up as I thought it was a scam. 

On Friday XX/XX/XXXX I received a credit alert on my XXXX XXXX Account stating that there was a collection of {$1800.00} on XXXX  XXXX XXXX. My score dropped 30 points. I was shocked. 

On Saturday XX/XX/XXXX I received a phone call from Capital Accounts LLC confirming my identity and requesting payment of {$1800.00} for collection of debt. 
I explained to the individual again that I believe this is identity fraud as I have never visited this doctor, I live in XXXX XXXX, XXXX, and I have health Insurance and if I did I would have paid him. She stated that I would need to contact the creditor directly to resolve it. 

On Monday XX/XX/XXXX I contacted the Doctor 's office directly speaking with the billing department. She confirmed that the individual in question for the outstanding debt was not me. She confirmed my age, address, and social security number. 
She stated that the collection agency was in error and she would contact them directly. 
Which she did and called me back stating that the Capital Accounts LLC would be contacting me and retracting the negative collection on my report. 

On XX/XX/XXXX, I still had not heard from anyone. I contacted the Capital Accounts directly and immediately they attempted to state that I owed the debt of {$1800.00}. 
After a few minutes of the collectors rant I informed her of my discussion with the original creditor and that I was waiting their call to discuss when my negative collection would be removed from the Credit Bureaus. She rudely stated it could take anywhere from 30-90 days. 

To be treated so terribly was shocking. The collection agency was able within days to discredit my Score and Credit Report with all 3 credit bureaus with no evidence, physical proof or documentation. I have had to prove my innocence, but they don't have to prove my guilty? And now I could wait up to 90 days for this to be resolved. Will this actually be removed completely? 

You don't treat people like this ...

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation