Consumer complaint received 2019-01-07
Company: Medical-Commercial Audit Inc
State: MO
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:
I had an agreement with : MCA Management Company XXXX XXXX XXXX XXXX  XXXX, MO XXXX or one of their many expired fictitious names First I contacted them about debt in XX/XX/XXXX. I did so in XX/XX/XXXX. They made no mention of any alternate options I may have had to settle the obligation and made an agreement with me. They agreed to remove the debt from my credit reports in exchange for regular payments automatically deducted from my checking account. I made those payments every month as accepted. 

Late last year, I switched banks. As is common these days, I had 15+ billers with access to my bank account, including utilities, credit cards, store cards, etc. I did not remember all of them. All of the companies understood and these billing clerical errors were immediately resolved. MCA Management Company and XXXX XXXX did not. XXXX XXXX, of MCA Management Company and/or her company immediately fired off 4+ separate credit bureau negatives, but now under the original creditor 's name, XXXX XXXX XXXX XXXX, rather than what used to be their own. even though it was previously combined as one. Upon contacting her in multiple attempts, in good faith, offering to catch up on the two payments immediately, and courteously explaining the situation, this person, XXXX XXXX was unreasonable, offered zero empathy, and seemed to revel in her ability to affect my credit shortly before my family attempting to buy the home we have resided in for 12 years. XXXX XXXX may have committed blatant malfeasance and caused my distress, psychological, financial damages. 

As though none of this happened, she or her staff has resumed calling me. MCA Management company is notorious for this behavior is predatory in their practices. They put personal gain, and seemingly sadistic satisfaction ahead of any interests of the region and community they operate in. 

Also attempt to mislead consumers by using a DBA, tied to the same acronym of MCA. They refer to themselves sometimes as MCA Management Company, and other times as Medical Commercial Audit Company Inc. Even a third time as simply MCA Management. In reality the only valid name I can find is actually, " MCA MAnagement Company/Medical-Commercial Audit Inc. '' This is inconsistent and demonstrates a lack of transparency. Furthermore, they do not provide a physical address anywhere. They are using a PO Box as their business address. They have actually registered their business as a Post Office Box, which from my understanding is not permitted. There is a " workaround '' to do this, but I'm not sure this is legitimate. 

For whatever reason, the owner, XXXX XXXX XXXX, in addition to operating under multiple expired names, and a P.O. Box listed as the required physical address, has remained out of site in this entire process. All told, I'm having trouble seeing how this company isn't operating under, and attempting to collect debts in an erroneous, misleading, and potentially illegal manner. 

They also seem to be using these Fictitious Names, all expired : M C A MANAGEMENT CO. XXXX Fictitious Name ( Domestic ) Fictitious Expired XX/XX/XXXX MCA MANAGEMENT XXXX Fictitious Name ( Domestic ) Fictitious Expired XX/XX/XXXX MCA Management Company/Medical-Commercial Audit Inc XXXX Fictitious Name ( Domestic ) Fictitious Expired XX/XX/XXXX MCA Management Company/Medical-Commercial Audit Inc

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief