Consumer complaint received 2019-09-26
Company: TICE ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX//19 Tice Associates contacts me about {$270.00} that I supposedly owe a medical provider. I had not received any notices or bills from any medical provider prior to this letter from this collection agency. 

XX/XX//19 I sent a letter ( certified, return receipt - received XX/XX/19 ) to Tice Associates telling them I never received notice of this debt, and asking, under FDCPA, for verification of this debt. I asked for : 1. a detailed account of what the money was supposed to be owed for 2. a detailed explanation of how the amount was calculated 3. copies of documents showing I agreed to pay this amount 4. identify the original creditor and provide current contact info 5. proof the statute of limitation has not ran out on this matter 6. documentation showing they have a legal right to collect this debt 7. documentation showing they are licensed to collect in New York, and 8. provide me with the contact info for their registered agent for service of process XX/XX//19 XXXX XXXX ( XXXX ) or something similar signed for my letter. 

XX/XX//19 Tice Associates mailed me a letter saying I failed to respond to their notice, and that they, quote, " We extend this opportunity to settle this debt in a friendly manner. '' What does that mean? I interpret this as a direct threat. 

XX/XX//19 Tice Associates mailed me a patient ledger printout from the supposed medical service provide. That's it. Nothing else. They did not provide the information requested to # 1, 2, 3, 6, 7, or 8. The information pertaining to numbers 4 and 5 were provided by default on the printout. They failed to provide me the information I am legally entitled to. 

Also, the ledger they provided me was incomplete and inaccurate. It did not detail what the charges were for or who supposedly performed the services. It listed my father as another 'Guarantor '. My father is not a guarantor. He has nothing to do whatsoever with my health insurance, nor am I a minor. 

It seems that both the original 'creditor ' and Tice Associates do not know what they're doing.

I waited for Tice Associates to provide the other required information under separate cover, and the next correspondence I received from them was ... 

XX/XX//19 Simply another Tice Associate letter stating, " We are offering you an opportunity to settle this matter voluntarily. '' Still not providing the information that I requested and am legally entitled to receive, on XX/XX//19 Tice Associates reported the debt as in collections to ( at least ) XXXX XXXX. 

This company is not complying to consumer protection laws like the FDCPA and FCRA. 

Because of my dispute and their inability or unwillingness to verify the debt and their status of collecting it, and their reporting this debt to a credit reporting agency, this company should immediately remove this debt from my credit report, and be shut down. 

I am attaching my letter to Tice Associates so you can clearly see they deliberately chose not to comply with consumer protection laws. I'm also attaching the 'patient ledger ' which is neither descriptive nor accurate.

Company response to consumer: Closed with explanation