Consumer complaint received 2022-07-27
Company: Consumer Adjustment Company Incorporated
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is going to be another statement made due to the fact the issues were brought up in the previous complaint and clearly and willfully ignored. They were contacted by phone in the originial correspondence sent to me earlier in the year ( 2022. ) They acknowldged the concerns then. They seem to not care. 

I gave them the exact reasons why this is not collectible. The exact reasons! I told them that the wrong insurance was billed and that this is a clerical issue and my not fault AT ALL. This is not my fault, but they claim " insurance review '' and are going to be talking to the wrong person ( if they are even able to collect from them. ) Like i said. They can not collect from me. THEN I was very clear about the statute of limitaitons in Virginia. This is a period of 5 years in the state of Virginia. They are collecting on 4 supposed accounts that are past this date including 2 that are from 8 years ago and this is not collectible or reportable by LAW. They have some if not precise ideas of the law. They do not have those 8+ years ones sent to the credit beureaus. I made this very clear and their response only shows the abosolute ignorance and indifference. They sent attachments to the original CFPB response where they proved to themselves and me it is not legally collectible. Considering how many times this has happened, it is obvious they can not claim " bona fide error. '' They can not keep going on like this. I gave the reasons why and they simply just ignored them. I included supplemental information and they STILL continue to collect and believe they are in their right to do so. ILLEGAL. These were also not given to them by the providers to collect. They bought this from them ( or another credit agency ) and will have no way to negotiate or validate this with these providers OR the insurance ( the wrong one ) about this. These are severe violations and legal action may need to be taken. 

I contacted them on XX/XX/2022 and they said the same thing about reviewing insurance. They reviewed then and what are they going to review now? The person I spoke to said they were marked for deletion. Well they are marked " patient disputes. '' She did try to reiterate that she was marking them for deletion. I asked for email and formal letter comfirmation. We will see. I have the phone call recorded. 

To rehash for a moment, the funny thing is they sent me a couple of pdfs that show " proof. '' The only thing it shows is that it is past statute of limitations and they were collecting on behalf of another creditor who was just another debt collector that has legal cases of FDCPA violations against them too. Not only did they prove they are outside collecting, they showed that they and the " third party '' have FDCPA violations against them. How is this possible? I really do not know what this " insurance review '' is going to do. They have no legal authority to do anything. I gave them my insurance provider and they STILL are saying it is valid. 

It needs to be publicly known that this company will try to harrass you willingly. Please be advised to check what they believe you owe. If it is an old debt past the statuate of limitations in your state, do not attempt to engage with them. 

The company will likely read this complaint and I need all of these " collections '' removed immediately and they also CAN NOT BE SOLD to someone or some other collector.

Company response to consumer: Closed with explanation