Consumer complaint received 2020-09-22
Company: Capital Accounts, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit score with my bank app and found an item in collections for a dentist I hadn't seen since XXXX. 

I called the collection agency and spoke with them on XX/XX/XXXX informing them it wasn't my debt. I was told to call the dentist office and verify the charges. I googled XXXX XXXX XXXX and called the number but the voicemail said it was another dentist 's office. I left a voicemail with them. I called the collection agency back, Capital Accounts and was told that the charges are mine and asked me if I wanted to pay on it. I told him I'm not paying for anything that's NOT mine. So I asked him if they called the dentist 's office to verify that the information was correct and was told that they always side with the one who turns everything over to collections. I asked him if he was aware that the dentist is not longer in practice? He said it didn't matter because someone was submitting his bills to collection. He also said he could send me a copy of the statement to my email. 

When I reviewed the statement, there were charges from XXXX all the way up to XXXX. I had quit working at Virginia XXXX XXXX XXXX  in XXXX. My husband, XXXX XXXX, continued working at Virginia XXXX from XXXX until XXXX and saw XXXX XXXX on a regular basis for teeth cleaning and exams. I was seeing a dentist in XXXX, Washington. So I sent an email back to Capital Accounts informing them that the charges on the statement belonged to my husband XXXX XXXX and not me. I never received a response from them. 

I then submitted a dispute with XXXX  XXXX XXXX on XX/XX/XXXX. I received a response back from them on XX/XX/XXXX stating they were informed that the charged belonged to me so it stays on my credit report. 

I submitted a second dispute with XXXX  XXXX XXXX on XX/XX/XXXX explaining that the information the collection agency is incorrect because the charges belong to my husband, XXXX XXXX. 

I then submitted a complaint with CFB on XX/XX/XXXX regarding this issue. I have attached the entire explanation in the section for attached documents. 

I received notification today, XX/XX/XXXX, from XXXX  XXXX XXXX saying that the collection agency stated the charges belong to me and it will not be removed from my credit report. 

I called the dentist office again and asked if XXXX XXXX was in and was told that he retired. I asked when he retired and was told he retired back in XXXX. So I explained my situation to her regarding the bill being sent to collection, the charges not belonging to me and that they belonged to my husband. She states that they took over XXXX XXXX 's office along with some of his patients. She asked me my name so she could look me up in her system and said I wasn't in there. She then looked my husband 's name up and he wasn't in there as well. I asked her who took over XXXX XXXX 's billing and she said she doesn't know who could be doing it. 

I called the collection agency back and told them that the dentist retired in XXXX and that the information on the statement could not be verified and he was adamant that the charges belong to me and he has to go by the statement he received. 

I have been distraught over this and in tears, stressing out because I've been on XXXX since XXXX and I've recently been trying to find a XXXX  home to accommodate my XXXX but am having trouble because I am being declined due to this ONE blemish on my credit report that DOESN'T belong to me.

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