Consumer complaint received 2016-01-21
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I wish to request assistance from the Consumer Financial Protection Bureau with regard to ongoing violations of 15 USC 1692 XXXX f ) ( 1 ) and 1692 ( c ) ( c ) of the Fair Debit Collections Practices Act ( " FDCPA '' ) ( 15 USC 1692 ) by Eastern Account System of Connecticut , Inc. ( " Eastern '' ). 

On XXXX XXXX, XXXX, XXXX XXXX XXXX ( " XXXX '' ) produced an invoice in the amount of {$140.00} for services purportedly performed on XXXX XXXX, XXXX. This amount is considered an untimely billing request under Title 6, Chapter 146, 146.002 of the Texas XXXX XXXX and Remedies Code ( occurring both after the first day of the XXXX month after services were performed ( 146.002 ( a ) ) as well as beyond the contractual date established between the medical service provider and the issuer of the health benefit plan ( XXXX ( c ) ) ). 

The claim in consideration is specifically barred for collection under Texas law by XXXX of the Texas Civil Practices and Remedies Code and thus not an amount " permitted by law '' as defined by 15 USC 1692 ( f ) ( 1 ) and thus attempted collection of such unlawful claims constitutes an " unfair practice '' as defined by 15 USC 1692 ( f ) and a violation of the Fair Debit Collection Practices Act. 

The unlawfulness of the claim in consideration was conveyed to XXXX by certified mail ( copies attached ) on two separate occasions - XXXX XXXX, XXXX ( USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX , XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) as well as with numerous communications both written and verbal between the health benefit plan provider, XXXX, and XXXX during that time period. 

XXXX had full and complete knowledge that their claims were barred from collection under the Texas Civil Practices and Remedies Code and made no attempt to correct their activities over multiple months of written and verbal correspondence. With such full and complete knowledge of an attempt to collect a claim not " permitted by law '' ( 15 USC 1692 ( f ) ( 1 ) ), Eastern 's collection letter of XXXX XXXX, XXXX is evidence of the firm 's intentional violation of 15 USC 1692 ( f ) ( 1 ) and can be considered in no way a result of a XXXX fide error or unintentional practice as defined by 15 USC 1692 ( k ). 

Furthermore, both the communications of XXXX XXXX, XXXX and XXXX XXXX, XXXX sent by certified mail provided notice in writing of a desire to have all communications applicable to this matter with any debt collector immediately cease as provided by 15 USC 1692 ( c ). Through such written requests, Eastern had been provided full and complete knowledge of a desire to cease all communications related to the unlawful attempt to pursue a claim prohibited by Texas Law. While fully aware of this request, communications were made on XXXX XXXX, XXXX in violation of 15 USC 1692 ( c ) in no way a result of a bone fide error or unintentional practice as defined by 15 USC 1692 ( k ). 

I would therefore request the assistance of the Consumer Financial Protection Bureau in addressing numerous violations of the Fair Debt Collections Practices Act. I would be more than happy to assist in any ongoing investigative activity and administrative enforcement activities permitted XXXX XXXX USC 1692 ( l ) in obtaining civil liabilities as may be provided by 15 USC 1692 ( k ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation