Consumer complaint received 2019-04-04
Company: Capital Accounts, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Following is Capital Accounts XX/XX/XXXX response to my complaint of XX/XX/XXXX : The attached registration form signed by the consumer states, " I understand that I am financially responsible for all charges whether or not paid by insurance. '' The EOB provided by the consumer likewise shows that he is responsible for the charges. Accordingly, we continue to believe that the debt is valid. Moreover, we have processed the consumer 's cease-communications request, and his contact information has been removed. 

MY NEW COMPLAINT : Thank you for a copy of the registration form that I signed when I first checked in at XXXX XXXX on XX/XX/XXXX. For the record, I have never disputed that I was not responsible for any copays or charges not covered by my insurance XXXX XXXX XXXX. To the contrary, I acknowledged this in my previous complaint when I said I owed {$170.00} for the copays for the work performed other than the replacement crowns. 
My dispute with XXXX XXXX is that he performed work that would not have been done had he acted in a reasonable, prudent, and responsible manner. Once again, my position is that XXXX XXXX ( as a registered XXXX XXXX dentist ) should have requested a Pre-estimate insurance quote from XXXX XXXX before proceeding with the major crown replacements. Per XXXX XXXX, he did not do so. Had XXXX XXXX requested a quote, he would have then had the responsibility to inform me that the crowns would not have been covered under my insurance. There is no question in my mind that I would have told him not to proceed with the work! 
With the benefit of hindsight, and given the facts that I have recently learned, I now have to ask myself Was the work really necessary? At XXXX XXXX initial visit, he told me that the crowns needed to be replaced which I accepted at face value, even though I was experiencing no discomfort. Per XXXX XXXX, crown replacements should last at least five years whereas both crowns in question had been replaced just three years before. Even if I were to accept that one crown could go bad in three years, what are the odds that two would go bad in the same timeframe? 
Given the facts outlined above, there is no question in my mind that the remaining balance of {$1700.00} on my account is a legitimate legal dispute between XXXX XXXX and myself and not an un-paid collection issue as Capital claims. Does Capital Accounts still disagree? If so, please explain your position so I may evaluate my options. 
There is another outstanding question. On three occasions, I have asked Capital Accounts to provide me a copy of the agreement that I signed allowing interest to be charged on my account. On each of their responses, Capital has apparently ignored my request. With the copy of XXXX XXXX registration form that Capital just sent to me on XX/XX/XXXX, it appears certain that I did not agree to allow XXXX XXXX to charge me interest and I most certainly did not sign anything with Capital allowing them to do so. Does Capital still maintain they have the legal right to charge me interest? If so, please explain your position and I will consider their answer. 
One last point Capital Accounts stated in their XX/XX/XXXX response Moreover, we have processed the consumer 's cease-communications request, and his contact information has been removed. I do not recall requesting any cease-communication request. Regardless, my contact phone number is still XXXX and my address is XXXX XXXX XXXX, XXXX, SC XXXX. Please update your records. 

Hopefully, the above will finally resolve this issue, but, if Capital Accounts provides any additional facts, then I will happy to consider them.

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