Consumer complaint received 2018-02-11
Company: Financial Recoveries, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Originally the Collection agency had sent out paper mail. It wasn't until XX/XX/XXXX at XXXX that I was notified about what was going on with my assault bills and how they were sent to collection. I was told by police that my assault was getting evaluated and the person that hit me would be paying for these bills that Oshkosh Collection & Recovery is speaking of. In this conversation I asked why it wasn't sent to my insurance company and was in contact with my insurance company and Oshkosh Collection & Recovery. I was speaking with a manager about the situation and they put my account on an extended hold to process through insurance. There were 3 phone calls with this agency in XX/XX/XXXX on the dates of the XX/XX/XXXX,XX/XX/XXXX, and as well as XX/XX/XXXX. There were two phone calls on XX/XX/XXXX. XX/XX/XXXX there were two phone calls on XX/XX/XXXX, and XX/XX/XXXX. All of these phone calls were made under a XXXX XXXX XXXX number and XXXX XXXX XXXX. The XXXX XXXX XXXX number was Oshkosh Collection & Recovery phone number in the directory. The other XXXX XXXX XXXX number is an unknown number from Oshkosh that the manager was contacting me on. There was great communication between Oshkosh Collection & Recovery and myself and I was under the impression that everything was taken care of and my insurance was in use. On XX/XX/XXXX at XXXX XXXX I received an unavailable phone call, which I had answered and the duration of the phone call was 7 minutes. The whole conversation was the person contacting me would not tell me who they were. They had kept on refusing to identify their selves and had kept on repeating theyre self-asking for my name. I explained if you were not willing to identify yourself, this conversation would be ending. It was a very creepy call when someone is asking for myself and wouldn't identify their self or whom they represented. That phone call had ended and I didn't receive any other notification from this collection agency. Just a very creepy unidentifiable phone call under a restricted number. Later in XX/XX/XXXX I received another unavailable number phone call on XX/XX/XXXX. The duration of this phone call was 17 minutes. It was a representative from Oshkosh Collection & Recovery, which had explained that my medical bill had been placed into collections. I questioned when I was notified and the representative explained that they tried contacting me back in XX/XX/XXXX. I questioned them if it was a weird phone call where they wouldn't identify their selves on an unavailable phone call. They explained that unidentifiable phone call was proper cause to report to the credit bureau. I questioned the representative why they didn't have to identify there selves or who they worked for. I explained that this is trickery and I wanted to speak to a higher representative about the issue. I was told that the following day XX/XX/XXXX I would receive a phone call when the representative gets back to her office. At XXXX on XX/XX/XXXX I had called in to ask when I would be receiving my phone call back with a full explanation on what is going on. On XX/XX/XXXX, I received the phone call from XXXX, which had explained that they properly tried contacting me with out notifying who they are for my own protection. I explained that I had no idea who you were and now its on my credit. The conversation went nowhere and so I explained that I was going to contact higher authority and pressing a fair debt collections act on them. They told me not to contact them again. In the attachment is all of the phone records with this company from XXXX 's phone logs. I can provide you with any other information that is needed. I have nothing to hide and appreciate your time in helping me with this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation