Consumer complaint received 2018-11-01
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the following is a copy of the summary letter submitted to the collection agency : XX/XX/2018 VIA CERTIFIED MAILING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Creditor : XXXX XXXX of XXXX/XXXX Hospital Disputed amount owed {$260.00} Patient : XXXX XXXX XXXX To Whom It May Concern : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. This debt was paid directly to XXXX XXXX of XXXX on XX/XX/2018. 

Please allow this to also service as notice that have filed a complaint with the Federal Trade Commission/Consumer Financial Protection Bureau ( CFPB ) due to unethical and potentially fraudulent business practices by XXXX XXXX and XXXX XXXX XXXX/Hollis Cobb. Based on activities by both entities, it appears they are attempting to collect twice on the same account. Please refer to the following summary of events : XXXXreceived final notice from XXXX XXXX of XXXX. The notice was dated XX/XX/2018 and indicated Due DateUpon Receipt. 

XX/XX/2018payment made directly to XXXX XXXX of XXXX for {$260.00}. Confirmation number for payment : XXXX XX/XX/2018received call from XXXX XXXX XXXX regarding the alleged debt. I explained to the representative that this was not a valid debt. I provided the payment confirmation number but the representative stated it was not a valid payment since I did not pay them directly. 

XXXXspoke with XXXX from XXXX XXXX of XXXX. She advised that she would send request to have account pulled from XXXX XXXX XXXX. 

XX/XX/2018XXXX from XXXX XXXX of XXXX advised that my account would update automatically and this would resolve the issue with XXXX XXXX XXXX XX/XX/2018received missed call from XXXX XXXX XXXX. Returned the call to them. At that time, explained again that I paid the original creditor. The representative was aggressive during the call requesting payment. At that time, I explained that under FCRA they are to provide written notice to me and allow me the opportunity to dispute the validity of the debt. I also requested that per the FCRA, no other calls be made to me from XXXX XXXX XXXX XXXXreceived notice from XXXX XXXX XXXX. The letter is dated XX/XX/2018 but not received for over 2-weeks. XXXX XXXX XXXX initial contact with me was on XX/XX/2018. I believe this is an unethical delay in complying with my rights under the FCRA guidelines. 

XX/XX/2018 -- XXXX XXXX XXXX still shows this amount due which is incorrect and XXXX XXXX of XXXX Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation