Consumer complaint received 2022-11-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (VA)

I am writing to request assistance on a matter related to Capital Accounts, a company with a known history of multiple complaints against its unjustified and unlawful collection practices, as demonstrated by the XXXX XXXX XXXX website : XXXX XXXX XXXXXXXX I am an individual who has had a near-perfect credit score for several years, indicative of my diligence in paying my bills in full and on time. I was completely shocked when I received multiple alerts through various credit monitoring applications that my credit score had taken a significant hit ( XXXX points ) in XX/XX/2022 due to a derogatory claim that was filed against me. I immediately researched this further as I had NEVER received any letters nor notifications from what turned out to be Capital Accounts, nor had I received any bills from the supposed medical provider in question, which I had not frequented for treatment since XXXX XXXX. In short, I had no knowledge whatsoever of the supposed debt, I had never received any medical bills in the previous 5.5 years on the supposed medical debt, and I never received the opportunity from Capital Accounts to dispute nor respond to this supposed debt prior to Capital Accounts placing a derogatory mark across all of my credit reports. 

I immediately contacted the credit reporting agencies, considering I had no other information outside of what I could see on my credit reports. Unfortunately, the credit disputing process is highly automated with minimal human interaction, however I was able to successfully obtain removal of the derogatory remark from XXXX credit reporting. It was especially frustrating to be fighting an unknown medical debt that was seemingly beyond the Commonwealth of Virginias statute of limitations for medical debt, which is five years. 

In XX/XX/2022, a month after derogatory remarks were placed on my credit reports, I received a letter ( the first ever ) from Capital Accounts stating I owed {$1000.00}. This letter, which misspelled my name, seemed to be in response to my attempts to dispute the listing through the credit agencies because it stated, we wish to resolve this dispute amicably. However, to reiterate this is the first communication I had received from Capital Accounts regarding this supposed debt. No further details were provided to support the validation of this debt. 

Because of the unprofessional nature of the first contact from Capital Accounts, I was concerned about attempting to engage with them directly, especially if they were a scam. I continued to attempt to work directly with the remaining two credit reporting bureaus to have the account removed from my credit reports. In XX/XX/2022, I received another letter from Capital Accounts attempting to cut a deal with me they were willing to satisfy-in-full the debt at a reduced amount of {$800.00}. This once again seemed unlike any debt collection practice I had ever encountered. 

I am requesting assistance to remove the remaining debt balances from XXXX and XXXX reporting. The supposed debt is beyond the statute of limitations for collections in the Commonwealth of Virginia, and I never received the opportunity from Capital Accounts to validate nor dispute the debt prior to the derogatory reporting which impacted my credit score by approximately XXXX points. It is completely unacceptable that a company can have access to your personal information in order to ruin your credit score, but can not seem to spell your name correctly, write coherent letters, provide notice of the debt, nor provide the opportunity to dispute or validate the debt.