Consumer complaint received 2023-07-17
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Consumer Financial Protection Bureau- This correspondence dated XX/XX/XXXX hereby disputes the alleged collections account noted on my credit report by Capital Accounts , and requests that Capital Accounts remove this alleged debt from its system and notification to all three credit bureaus. Below is a historical account of the facts as I know them, including my correspondence to Capital Accounts on XX/XX/XXXX that was sent registered mail signature requested and was not responded to by Capital Accounts as is required under the Fair Debt Collections Act ( FDCPA ). 

- On or around XX/XX/XXXX I received an alert from XXXX XXXX of a collections placed on my XXXX Credit file. Upon further investigation with XXXX, the alleged collections account from XXXX XXXX stated an amount owed of {$700.00} dating back to XX/XX/XXXX. 
- On XX/XX/XXXX, I initiated a Dispute with XXXX. I have no existing debt with XXXX XXXX and have a XXXX balance as demonstrated in the attached pdf file with the historical backup. 
- On XX/XX/XXXX I mailed Capital Accounts at their XXXX XXXX XXXX, XXXX, TN XXXX address via registered mail, signature requested. I received signature confirmation by United States Postal Mail, with photocopy included in the attached pdf file. In my correspondence to Capital Accounts, I requested in writing the information that is my legal right to request under Fair Debt Collections Act ( FDCPA ), including the name and address of the creditor to whom the debt is owed, verification and documentation of the valid basis for the claim, among others. My letter clearly stated that should Capital Accounts fail to provide me information in writing within 30 days as is required under law, all references to this alleged collections shall be removed from all credit reporting agencies. The complete list of requested information is included in the attached pdf file. Please note that Capital Accounts has yet to respond to my letter, as they are legally required to do so under FDCPA. To date I have not received any correspondence from Capital Accounts. 
- On XX/XX/XXXX I visited XXXX XXXX to get a historical print out. The document is attached, and as you notice I have a XXXX ( {$0.00} ) balance. My medical provider pays the dentist, and I then in turn provide payment for any copays. As of XX/XX/XXXX there is a {$0.00} balance owed to XXXX XXXX. 
- On XX/XX/XXXX, I received a notice from XXXX that the alleged Capital Accounts collection was removed from my credit report. A copy of that notice is included in the attached pdf. 
- On XX/XX/XXXX, I received an alert that Capital Accounts had again placed an alleged collections on my credit report, this time on both XXXX and XXXX. I immediately started the dispute process with both XXXX and XXXX credit reporting agencies. 
- On XX/XX/XXXX, I visited XXXX XXXX. Ive attached that statement which clearly shows a {$0.00} balance. My account is current and not delinquent. 
- On XX/XX/XXXX, I contacted Capital Accounts by telephone at ( XXXX ) XXXX to dispute the alleged collections. Not only could they not specify details about the alleged collections, but when I stated the amount does not belong to me, they threatened to place the alleged amounts on my childrens names. At that point I stated I would file a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation