Consumer complaint received 2024-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

I am writing to formally dispute XXXX accounts currently held by Bull City Financial Solutions. Despite numerous attempts to obtain proper validation of these debts, I have not received sufficient documentation to prove that I am liable for these amounts. The accounts in question are : Account Number : XXXX Amount : {$3500.00} Account Number : XXXX Amount : {$1600.00} Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), I have the right to request and receive validation of any alleged debt. Bull City Financial Solutions has failed to provide the necessary documentation for validation, including the original contract bearing my signature ( commonly referred to as the " wet ink '' contract ). The provision of an itemized bill from the original creditor does not meet the legal standards for debt validation under the FDCPA, as it does not prove that I am responsible for this debt.

Additionally, under 15 U.S.C. 1692e ( 10 ), debt collectors are prohibited from using false, deceptive, or misleading representations to collect a debt. By failing to provide proper validation and continuing to pursue collection, Bull City Financial Solutions may be in violation of this provision as well. Their inability to provide legally required documentation gives rise to concerns about their compliance with federal debt collection laws.

Furthermore, Bull City Financial Solutions may be in violation of 15 U.S.C. 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. Their failure to validate the debt and their ongoing collection effortswithout fulfilling the legal requirement to provide proofcan be seen as an unconscionable practice.

In addition to these consumer protection violations, as Bull City Financial Solutions is handling sensitive personal and medical information, they are also subject to the Health Insurance Portability and Accountability Act ( HIPAA ). Under HIPAA, they are required to ensure that they are handling my personal health information lawfully and securely. Since no proper authorization has been provided by me to share or disclose medical details, their actions may also be in violation of HIPAAs Privacy Rule ( 45 CFR Part 160 and Subparts A and E of Part 164 ), which requires debt collectors to handle personal health information with appropriate safeguards.

Moreover, under 12 CFR Part 1026 ( Regulation Z ) of the Truth in Lending Act ( TILA ), creditors and collectors must accurately disclose all terms and conditions of debts, including the original amount, interest rates, and the basis for liability. Bull City Financial Solutions ' failure to provide the original contract or detailed documentation raises potential concerns regarding their compliance with TILAs disclosure requirements.

I initially filed a complaint with the XXXX XXXX XXXX  ( XXXX  ) and received the following response from Bull City Financial Solutions : " Thank you for your inquiry. In accordance with 15 USC 1692c, we are unable to disclose any information about consumers to third parties. Our Help Desk is available to assist consumers and may be reached directly via telephone. '' Following this response, I made several attempts to resolve the issue by contacting Bull City Financial Solutions : On my first call, I was transferred and requested a callback when it was my turn in the queue. I never received a callback. 
On my second attempt ( XX/XX/2024 ), I was hung up on by an agent. 
During my third call, I spoke with an agent named XXXX who stated that he could only see an itemized statement from the original creditor. I requested authorization to discuss the matter with the XXXX, and he attempted to transfer me to a supervisor. A voicemail was left for XXXX XXXX, and as of today, I have not received a response. 
Given these ongoing issues, and Bull City Financial Solutions failure to validate the debt in accordance with 15 U.S.C. 1692g, 15 U.S.C. 1692e, and 15 U.S.C. 1692f, I am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) for further investigation. Their failure to provide me with the required documentation and their disregard for my legal rights are serious concerns.

In summary, I believe Bull City Financial Solutions is in violation of the following federal laws : Fair Debt Collection Practices Act ( FDCPA ), including but not limited to 15 U.S.C. 1692g ( debt validation ), 15 U.S.C. 1692e ( false/misleading representations ), and 15 U.S.C. 1692f ( unfair practice
s ).

Health Insurance Portability and Accountability Act ( HIPAA ) regarding the handling of personal health information without proper authorization.

Truth in Lending Act ( TILA ) and 12 CFR Part 1026 for failure to disclose appropriate terms and documentation of the debt.

I request immediate action to rectify this situation, including full and proper validation of these debts, cessation of collection efforts until compliance with the law is met, and a thorough investigation of Bull City Financial Solutions practices.