Consumer complaint received 2022-08-24
Company: AmerAssist A/R Solutions, Inc.
State: AL
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:
Amerassist has been harassing me by inaccurately trying to collect debt for a bill that was cancelled by the original creditor XXXX XXXX Amerassist is threatening to damage my credit by unjustly and abusively contacting me. XXXX XXXXXXXX made my aligners incorrectly both the top and bottom aligners were for top teeth only and did not fit my top or bottom teeth as displayed in the pictures. I called XXXX XXXX immediately to address the concern. I was told that " Doctors '' were going to follow my treatment which never happened and is a form of malpractice. The aligners were never fixed this was also during the beginning of Covid 2019 and the state of New Jersey where I lived at the time declared a state of emergency and no one was to come in contact with another person other than close family/friends. The physical local office was closed. I was in constant communication with XXXX XXXX regarding the aligners issue. XXXX XXXXXXXX agreed this was their fault and sent a cancellation email as a result of not fixing my aligners and Covid-19. XXXX XXXXXXXX sent me a cancellation email that is in high resolution and difficult to forward which is deceptive practices. I had to put it in a word document form so that it is readable to anyone I forward it. Not less than a month after XXXX XXXXXXXX cancelled, Amerassist showed up on my credit report and damaged it for the following 2 years. I already sent a complaint to the CFPB for Amerassist and Amerassist did not respond because they did not have any paperwork for me at the time which they should be penalized for attempting to collect a debt improperly with no paperwork to provide. Also the amounts on the contracts have been changed as well as the dates all of this is deceptive tactics to undermine the consumer. The paperwork has been altered and Amerassist or XXXX XXXXXXXX has falsified the documents. Amerassist should be penalized for having my information in their records. XXXX XXXXXXXX should be penalized for inaccurately sharing my information with another company ( Amerassist ) and Amerassist should be penalized for attempting to collect a debt that is not owed. Amerassist does not have the right to harass me and should not have my personal medical information or financial information in their records. XXXX XXXXXXXX should be penalized for falsifying documents and practicing the law by presenting legal contracts to customers without a lawyer/Attorney or a person with the correct credentials present. This is a violation of my rights 15 US Code 1681 A4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 US Code 1 A ) the consumer authorizes the agency to provide such report to such person. XXXX XXXXXXXX did not make any of my trays correct and cancelled my order when I explained the issue. Amerassist has no right to report on my credit report. Amerassist should not have any of my personal information. 15 US code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Amerassist is in violation of contacting me and has a different amount on the statement they sent me {$1500.00} and a different amount on XXXX XXXX XXXX which under mines me is harassment and abusive practices. Please stop harassing me and do not attempt to contact me. XXXX XXXXXXXX and Amerassist have no rights to debt and should stop harassing me for debt I do not owe. Amerassist does not have the right to collect as Covid 19 was in full effect and my account was cancelled by XXXX XXXX  and Forgiven since they were unable to fix trays since the State of New Jersey was in a mandatory stay at home pandemic. Please stop harassing me this is in violation of my human rights. Amerassist took a long time to respond to my first and second complaint because they did not have authorization so collect. On XX/XX/XXXX XXXX XXXX closed its offices known as XXXX XXXX around the country due to the coronavirus like I said XXXX XXXX  was not able to fix my trays and closed and forgave my account in full. Please stop harrassing me. I am requesting a monetary relief in the amount of {$1000.00} due to stress and XXXX this has caused. XXXX XXXX email address XXXXamerassist.com is in violation of sending my information to a third party company Amerassist when I do not owe XXXX XXXX. XXXX XXXX is sharing sensitive information and is in violation of the consumer rights.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation