Consumer complaint received 2018-10-10
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed complaint with CFPD XX/XX/2018, # XXXX. The company Capital Accounts LLC responded XX/XX/2018 stating the same exact word for word response as they do to credit bureaus. I was advised by all three major credit bureaus to send the exact documentation to your organization and CFPD would have it removed because I do not owe this debt. After the company Capital Accounts LLC responded, my case was immediately closed within 5 minutes. This is not an investigation. I request a full investigation.

I called CFPB immediately and was told that my attached documents ( which all was in 1 attachment ) had not been reviewed and to submit a new complaint and she was flagging my first complaint to be further investigated. I was told by the representative that this complaint should have resulted in the negative trade line should be removed from my credit file as it is direct, black and white proof that this debt is not owed. I will attach the documents ( in one attachment ) again. I ask for each one to be reviewed. I request the negative trade line to be deleted permanently.

Capital Accounts claims I owe {$120.00}, as stated in their letter to me, however in their response they claim I owe {$100.00}. 
-Texas Consumer Protection Statutes : 808. Unfair practices, 15 USC 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.

Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Capital Accounts has committed a violation.

Capital Accounts LLC also blatantly lied regarding their statement that when a copy shares medical records to a debt buyer, that that is not a HIPPA violation, when in fact it is. No debt buyer or collection agency should be given medical records when a debt is purchased. Especially when the debt is not owed. All medical providers require their HIPPA form to be signed before an appointment. I did not give consent to Capital Accounts LLC to have access to my child 's medical records. Nor did I give consent to XXXX XXXX XXXX to share mine or my child 's medical records. Both companies have committed a federal law. Capital Accounts LLC states that XXXX " opined a medical provider does not violate HIPPA when it shares medical information with a hired debt buyer ''. This statement is 100 % false. XXXX has just informed me that it is a violation as well. The patient 's rights have been violated. A debt buyer should not have the medical records. This is a violation on numerous federal laws. 

I request further investigation into this false claim that this debt is owed. I request that each document I have provided in my ( 1 ) one attachment be reviewed. I request the debt to be removed from my credit files. I also request that Capital Accounts LLC be held accountable for their deceptive trade practices and credit reporting. 

Thank you for your time and assistance.

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