Consumer complaint received 2020-11-16
Company: Financial Corporation of America
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2020 - Received call from " XXXX '' with Financial Corporation of America stating they were attempting to collect a debt for XXXX XXXX XXXX. I informed him I would make the payment the next day via online. 
XX/XX/2020 - Tried to make payment online through XXXX XXXX XXXX, they showed a XXXX  balance. 
XX/XX/2020 - I phoned FCOA to let them know I was unable to make a payment online. I gave them my account information and they said they could not locate any account for me. The rep requested my full social security number, which I declined to give over the phone. 
XX/XX/2020 - I received a debt collection letter in the mail dated XX/XX/2020. The total amount due from FCOA was {$1000.00} which was different than my statement from XXXX XXXX XXXX of {$970.00}. 
XX/XX/2020 - Attempted to locate account with FCOA ( now that I received letter with new account number ) and still could not locate. Website stated " FCOA Payment Portal does not Authenticate ''. Created an account, received the same message. 
XX/XX/2020 - Phoned FCOA to discuss statement balance discrepancies. Spoke to a rep that was extremely rude, said the balance of {$1000.00} was from XXXX XXXX XXXX. I told her " not according to the statement I am looking at ''. She then said I needed to fax the statement to FCOA. I told her I did not have a fax machine. She responded with " that's what XXXX XXXX is for ''. I requested that she send me a statement that was broken out with the charges. As of XX/XX/2020, that document has not been received. 
XX/XX/2020 - Spoke to " XXXX  '' from XXXX XXXX XXXX. I explained to her what was happening with FCOA. She verified that the amount I had was correct. She said she would try to have the statement reversed so I could pay them directly or look into the reason why there was a difference with FCOA in the amount of {$94.00}. 
XX/XX/2020 - Received a call from FCOA stating if I paid this debt within 30 days I would receive a 30 % discount. I explained to the rep that the totals were different. She asked if I could email my statement to FCOA. I agreed to send, but then she told me my account rep was " XXXX '' and she would relay this information and have him call me. I provided her with both my home number and my cell number. As of XXXX call from XXXX. 
XX/XX/2020 - I attempted to reach XXXX/FCOA. A rep that answered the phone said he would transfer me, gave me a new phone number to call XXXX and the phone went to voice mail. I left message, with phone numbers again. 
XX/XX/2020 - I called XXXX XXXX XXXX and tried to find " XXXX '' but " XXXX '' said she could assist me. When I explained the situation, she only stated that " will have to wait for a response from FCOA. I told her we requested this over a month ago and my credit is getting ruined NOW. She could not provide any information. 

I have made NUMEROUS attempts to pay this debt but unable to pay online and will not pay a higher amount than what is owed. Nobody can explain to me why this amount is higher than what I actually owe, and I think it is illegal. I have never worked this hard to try and pay a bill!!!

Company response to consumer: Closed with explanation