Consumer complaint received 2021-06-28
Company: Financial Business and Consumer Solutions.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We received a letter from a debt collector called FBCS. It was for a medical bill from XXXX  XXXX XXXX. This is my husband 's bill and I was told they need his permission to talk about this bill. Which was fine they called my husband and asked and he gave them permission to speak with me. I spoke with them and asked to settle on a lump sum payment. FBCS in turn told me that the original creditor will not agree on a settlement amount. So I told FBCS that I will get in touch with XXXX  XXXX XXXX to see why they will not settle on a lump sum amount and will call them back. So when I got I to touch with XXXX  XXXX XXXX I was told they are not telling FBCS that they would not agree to a lump sum of they want to then FBCS may take a lump sum payment if they would like. XXXX  XXXX XXXX said if they heard from FBCS about the lump sum settlement they would agree. But they can't do anythi g with the debt right now because FBCS owns it. So I called FBCS again a couple of days later and told them who I spoke with at XXXX  XXXX and told them what I was told. The representative at FBCS told me that they will contact XXXX  XXXX and tell them the lump sum payment I said we would pay bit it would take 30-45 business days for a response saying if the lump sum amount was accepted or not and that I would be called by FBCS directly to let me know the decision. So I accepted that. I received a call on XX/XX/XXXX from FBCS, and was told by that representative that XXXX  XXXX said they would take a lump sum amount of {$1300.00} which was {$100.00} more than I originally said but I said we can pay the {$1300.00}. Then I said before I give you this payment I would like it in writing that the {$1300.00} settled amount is acceptable and once the payment is received it will say that payment is settled and paid in full. I was informed by this FBCS representative that she will request the letter to be sent and don't make a parent until I receive the letter which could take 30-45 business days. I called FBCS on XX/XX/XXXX to let them know I ha e not received the letter about the settlement amount yet and was wondering when I will receive it so we can pay. I was told by the agent I spoke with on this day that there was no settlement off and I was told wrong by the representative in XXXX that called me. Then I was proceeded to be told that there was no notes on the account a out any ody calling me on XX/XX/XXXX when the representative I spoke with told me at that time she was making all the notes about the settlement and everything. So then I was sent to a supervisor of FBCS and was told by the supervisor the exact same thing that there were no notes, no settlement and was informed wrong. I was also told by the supervisor that FBCS does not even have the account no more and that I misunderstand too they do not report anything to credit bureaus they try to help not report to credit bureaus, well I assist you FBCS is on my husband 's credit report. Any way the supervisor gave me the number of the collection agency that has the debt and told me if they transfer me back to FBCS when I call them then I tell them no they told me they do not have the account anymore. So I called the other collection agency named XXXX, and they said FBCS still has the account so XXXX does not know how to help me so e FBCS is saying they do t have the account anymore. So the company FBCS and the representatives have lied to me about 3-4 times about this account for the last 2 1/2 months. They are lieing me telling g me false info. I was told there was a settlement then there was not. We were counting and expecting this settlement of {$1300.00}. and I was lied to and there ende up not being any such thing. I do not appreciate being lied to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation