Consumer complaint received 2019-04-22
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital Accounts made no attempt to contact me ( if they dispute this they should provide a Certified Mail Return Receipt ) before beginning to assess fees on and reporting this supposed debt to the credit bureaus resulting in significant damage to my credit score. 

I only learned of their actions against me when I noticed a large drop in my credit score in XX/XX/XXXX. After pulling my credit report to figure out what was going on a supposed debt opened on XX/XX/XXXX and reported in XX/XX/XXXX from Capital Accounts was the culprit. This supposed debt is something from XXXX that I have already paid. 

My first attempt to resolve this with the company was a notice of my disputing the debt sent by certified mail on XX/XX/XXXX. After waiting more than a week from the date my letter was signed for and receiving no response I submitted my first complaint regarding this company 's behavior. This was in regard to the lack of any notification about my right to dispute the debt or any notice that they thought I owed a debt at all. The only proof of the debt the company has offered ( in response to the first CFPB complaint ) is a copy of an old ledger which obviously is not proof of any kind. 

I reached out to the company by email on XX/XX/XXXX asking for a copy of the documentation relating to their claimed attempts to contact me. After their non-proof response to the initial complaint I finally had a time frame to investigate my records for. That is how I managed to locate the letter sent to the original creditor and after further searching the transaction record. Two days later I followed up with a second email asking for a response to the letter sent to the original creditor. I have received no response from the company to either email. 

The only contact I have received from this company, besides the damage to my credit score they have caused, was the ledger they provided to CFPB! This is obviously unprofessional and unacceptable behavior from a company that is causing harm to my financial well being and my health ( due to the added stress of this aggravating existing conditions ).

Attached is 1 ) a copy of a letter to the original creditor sent XX/XX/XXXX regarding prior billing issues and a customer copy of the payment authorization form for the dates in dispute 2 ) the transaction details from the bank for when the payment authorization was processed effective XX/XX/XXXX. 

I am sure that Capital Accounts will try to place the blame on the original creditor but the fact of the matter is that Capital Accounts continued taking these negative actions against my credit score even after being notified the debt was disputed. Simply blaming bad information does not absolve them of their behavior. This company is obviously pursuing this supposed debt in bad faith and is engaged in unacceptable business practices.

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