Consumer complaint received 2020-08-02
Company: Central Portfolio Control Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The phone number XXXX with the caller identity XXXX XXXX called my cell phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The calls came from Central Portfolio Control , Inc. They are located in XXXX, MN. The reason for their call was related to a hospital bill for an emergency room visit in the amount of {$2300.00} from XXXX XXXX XXXX XXXX. 

I was cleaning up old piled up mail at my home in XXXX or XXXX of XXXX when I found the one bill Central Portfolio Control sent to me dated XX/XX/XXXX. I went to the website listed on the bill one day just to make sure it was a valid company and to see if the site was operational. This hospital emergency room visit was from XXXX of XXXX, so, I took the time to go through all of my receipts from that year to make sure it was a bill that I had not already paid. By the time this task was complete it was the end of XX/XX/XXXX. 

When I could not find proof that the bill was paid, I set out to pay it over the next few months. I determined that I would take whatever was left over after every paycheck and pay on it until the bill was completely paid. The first payment I made was on XX/XX/XXXX in the amount of {$1000.00}. The payment cleared my bank on XX/XX/XXXX. 

Central Portfolio Control made a call to me after I went to the website initially. I was at work at the time of their call on XX/XX/XXXX at XXXX XXXX EST. The person said, I saw you have been to the site. When are you going to pay the bill? I told him I did not know if it would all be paid at one time, but my intention was to pay it. The next day I made the payment of {$1000.00}. The person turned around and called me back on the next day XX/XX/XXXX and asked when I was going to pay the bill. I explained how I plan to pay the bill and that I could not give a specific amount. I simply told the person I would pay the bill online and I would make a payment every month. He called again on XX/XX/XXXX and I blocked the call because I felt it was ridiculous to have this call every day when I had already stated my intentions. 

A payment of {$390.00} was made on XX/XX/XXXX. Another payment of {$100.00} was paid on XX/XX/XXXX because I saw 5 calls had already been blocked from this number and it was all I had until I got paid on XX/XX/XXXX. The remaining balance as of XX/XX/XXXX was {$900.00}. When I got paid on XX/XX/XXXX I paid the other {$900.00} to retire the bill. 

Little did I realize that Central Portfolio Control , Inc. had placed this account on my credit report with XXXX in the amount of {$1000.00} on XX/XX/XXXX. To add insult to injury I got a notice that it was placed on my XXXX credit report on today XX/XX/XXXX and the bill amount is {$0.00}. This violates my rights under the fair credit reporting act by providing inaccurate information about me to the credit bureaus in an attempt to ruin my credit.

Company response to consumer: Closed with explanation