Consumer complaint received 2024-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MST Financial Services, L.L.C. (ID)

In XXXX of XXXX, I had my wallet stolen, which included my Driver 's License, Social Security Card, and numerous other pieces of identifying information. I filed an Identity theft affidavit with the FTC. I was first informed of the debt via Credit bureau Reports in XXXX of XXXX that was placed by Chapman Financial Services, in XXXX XXXX, ID, that I had several collections actions primarily related to Banks, but there was also Medical Debt included on this. 

I immediately filed an Identity Theft Affidavit on XX/XX/XXXX, in regards to all of the items that I knew about, which primarily revolved around Financial Institutions. I then contacted Chapman Financial Services, on XX/XX/XXXX, and they requested that i provide to them with a dispute letter. To which I did, via email, with read receipts. 

Within a couple of weeks, all of the Data on my Credit reports had been removed. I as well requested copies of all of the documentation related to this debt. I received a packet of information, primarily related to XXXX XXXX XXXX, with no documents from XXXX XXXX, or XXXX XXXX XXXX XXXX, yet these were listed as well. 

I did not hear or receive ANY communication from Chapman Financial Services again, until I was served with a State Court complaint on XX/XX/XXXX which was filed on XX/XX/XXXX. In the complaint it specifically told me to communicate with them, to which I did, as on XX/XX/XXXX, I called and spoke with them, and emailed copies of the Identity theft Affidavit, as well as yet another Dispute Letter. On XX/XX/XXXX, I sent them another email, specifically outlining the documents that needed to be produced. I specifically outlined the fraud allegations, and requested documents with my signature, and/or any documents that would show that I indeed owed these debts. Please note throughout all of these communications, it was stated multiple times, over phone that the debts from XXXX XXXX Emergency Room, could not possibly be my debts, as I had NEVER been to XXXX XXXX Emergency Room as a Patient, and therefore could not have accrued any bills. I also specifically requested that they send any pertinent documents to my business ' address, as outlined in the email to them dated XX/XX/XXXX. 

On XX/XX/XXXX, I received a packet of documents related to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( which was not included in the dispute ), to which I still had not been provided documentation regarding XXXX XXXX. 

On XX/XX/XXXX, I again emailed them, with a Read Receipt, another letter, outlining the number of discrepancies with the XXXX XXXX XXXX documentation, including using a phone number that I had not gotten until XXXX of XXXX, nearly a year after the account was opened, and an email address that did not belong to me, listed on the account opening documents. I again brought up the fact that the documentation had not been sent regarding the XXXX XXXX XXXX  XXXX XXXX and the XXXX XXXX Accounts. 

On XX/XX/XXXX, they filed a Notice of Intent to take default, never serving me with this document, requesting a hearing date, without informing me of the hearing, and filing a motion for partial dismissal regarding the XXXX XXXX XXXX XXXX XXXX account ( to which I received the Partial Dismissal notice, but not the notice of Intent to Take default ), which was the document outlining my hearing apparently. 

On XX/XX/XXXX, I again emailed them regarding the disputed transactions, trying to get ahold of information regarding these accounts, to which I received a read receipt. I still had not received any documentation regarding these accounts. 

On XX/XX/XXXX, without being informed of such, a hearing was held and an entry of default was lodged against me. 

On XX/XX/XXXX, immediately upon receiving documentation regarding the default, I immediately filed with the clerk of court a motion to set aside the default and order a re-hearing, to which has been completely ignored, and has never been put in front of a judge. 

Chapman Financial Services, did file a Garnishment on XX/XX/XXXX, which was served on XXXX XXXX on XX/XX/XXXX and returned via USPS on XX/XX/XXXX, by XXXX, which included all of the information that they needed, including a letter, which outlined my position as Employee and a separate position a Contractor, to which we did not receive any response. 

On XX/XX/XXXX, XXXX XXXX sent out a check in the amount of XXXX $ for garnishment, to which was returned on XX/XX/XXXX. On XX/XX/XXXX Chapman Financial filed for an examination of Debtor, which was served on me on XX/XX/XXXX.