Consumer complaint received 2017-05-31
Company: CREDICO. INC
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I had an outstanding medical debt that was turned over to Credit Collections Bureau. I only received 2 mailed notices ; once these were received I responded to Credit Collections for validation of the debt, I did not receive substantial evidence to support the amount of {$210.00}, looked like a duplicative bill. <P/>I agreed to a portion of the debt ; however every time I called, I received contradictory information from Credit Collection representatives stating there was an error or the amounts continued to change.I advised them I would be more than happy to set a payment arrangement once the account indicated the accurate amounts that were owed. The last notice from Credit Collections was dated XX/XX/XXXX, and was still inaccurate. <P/>I was later served with duplicate XXXX XXXX XXXX small claims judgments. I filed a response to the county requesting a court hearing. At the hearing the attorney for the creditor stated that a duplicate claim was filed against me from an error on the XXXX system and they had dismissed XXXX of the cases filed against me, and also reduced the claim for the judgment but the {$210.00} dollars that I was questioning, stating this was requested to be sent back to clinic by the client. <P/><P/>A judgment was entered in XXXX XXXX XX/XX/XXXX I received the notice from the court dated XXXX of XXXX, XXXX for the amount of {$470.00}. I filed a complaint with the South Dakota Consumer Protection, in hopes they would be able to resolve this issue from the amount of the final judgment to the amount that Credit Collections was stating was owed. <P/>The final judgment included the following items : {$170.00}, for a service date of XX/XX/XXXX {$13.00}, for a service date of XX/XX/XXXX {$200.00}, for a service date of XX/XX/XXXX Interest of {$62.00}, the judge reduced the interest ; they were claiming interest from the date of service verses the date the bill was turned over to their office. <P/><P/>On the response received from the South Dakota Attorney Generals office dated XX/XX/XXXX Credit Collections was claiming the XXXX system somehow filed a duplicative claim against me, and once this was recognized this was corrected, I do not feel that this is an accurate and truthful statement, I have an understanding that if I would not have requested the court hearing both judgments would have been entered against me. <P/>In addition they did and are still claiming a different amount is owed then what was presented in the ligation at the court hearing. Credit Collections claims the amount of {$210.00} was turned back to the clinic XX/XX/XXXX, prior to the court hearing and the claimed amount was reduced from the small claims judgment, and later sent back to their office on XX/XX/XXXX <P/>At this time Credit Collections is trying to recover this amount from me stating that this was sent back to their office for collections, after the court hearing and I do not agree that this amount is owed. <P/>I also fail to believe that XXXX filed a duplicative claim since I have proof from statements received from Credit Collections which provided XXXX different account numbers. <P/>I would also question, if other consumers, whom did not dispute the claim had a duplicative judgment filed and entered against them. <P/><P/>I did not try to make a payment arrangement with their office because they still to date have failed to correct the account. <P/>I now have a wage garnishment against me. This firm uses small claims judgment 's and wage garnishments as a means of collections and fails to contact consumers, I think this would fall under a UDDAP violation and this firm needs to be investigated. <P/>In addition, the wage order that was placed against me was in the amount of {$520.00} the final judgment, was {$470.00}, claiming that interest had accrued on this amount, which according to federal regulations, you can not collect interest on a final judgment that was filed and entered against a consumer. <P/>I respectfully ask that the CFPB take the responsibility for the protection of consumers to investigate this company You will find all the supporting documents attached to my complaint. <P/>In addition, I have contacted other consumers on regards to this where not notices were sent for any debt owed and all the sudden, a mall claims lawsuit was filed against them. They will also be filing a compliant.

Company response to consumer: Closed with explanation