Consumer complaint received 2019-08-25
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Original creditor : XXXX XXXX Hospital XXXX XXXX, FL Amount of bill : {$2200.00} Date of occurrence : XX/XX/19 Collection agency : AssetCare Credit Bureaus : XXXX, XXXX, XXXX. 
Complaint : This collector ( Assetcare ) added this collection to my credit report without ever making any prior contact. I called them on Monday XX/XX/19 after it just showed up on my credit report ( Saturday - XX/XX/19 ) without my ever knowing it even existed, I was not ever given a phone call or anything in writing. When I did contact this company after the collection just appeared on my credit reports the representative I spoke to told me I would receive a letter by Thursday XX/XX/19 which I didnt receive and I then called them about it again on Friday XX/XX/19 and they finally did send me the letter which I am now sending to you that would show they never made any contact with me and that they would be removing ( deleting ) from my credit reports for this reason. ( It is still on my credit reports at this time ) This company has violated the fair debt collections act ( 809, validations of debt law ) by not contacting me by phone or in writing prior to placing it on my credit reports to give me time to dispute or pay this debt, this law plainly states the collection agency has 5 days after they acquire the debt to make contact with me at which time they must then send a written notice per usps mail to me and then I have 30 days from that point to respond to the letter the collector sends me to either dispute or pay the debt, but since this did not happen they have broken the law. I hope you can help me with this and hopefully it will be removed from my credit reports as I had no idea I owed this or that it was in collections. This collector also stated that they themselves would also be sending each credit bureau a copy of this letter admitting they did not ever contact me prior to placing the collection with the credit bureaus so as to remove the collection from my credit reports. For the record I have been paying all the medical bills I can locate and that I know are mine this one somehow slipped through the cracks, but once I knew about it and was able to contact the original creditor I immediately paid it but my issue with AssetCare is that they never made contact to attempt to collect this bill before they placed it on my credit reports therefore not giving me any chance to check that it was mine or pay the bill if it was mine before they just added it to my credit reports. I can not pay a bill I do not know exist. I have no issues paying something if I owe it and I did pay this bill as soon as I knew about it as I do all my bills I am really upset about this because I try very hard to do things the right way and this company does not do things fairly. I am not the only person they have done this to there are a lot of others complaining about this collection agency doing this exact thing to them and I feel its a tactic they use to get the bill paid then just send this type of letter asking the credit agencies to delete the collection from the persons report when in all fairness they should have contacted the individual as the law allows and given them the chance to respond or pay the debt not just placed it on their credit reports because if a person cares about their credit and a bill collector contacts them 9/10 times it will get paid almost immediately so I just do not see where this was right at all, I had absolutely no idea this existed prior to it showing up on my credit reports. If they had done this the right way and contacted me I would have contacted them contacted the original creditor made sure it was mine and paid this bill which would have stopped it from ever being placed on my credit reports but without any knowledge it existed or that I have a bill out there I may owe, I never got this option. I am in hopes that you can help me rectify this and maybe stop this collector from using this very unethical tactic. This should not have ever happened, it should not have ever been placed against my credit reports before I was given an opportunity to acknowledge it so I feel it needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief