Consumer complaint received 2017-10-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Acceptance Corporation (CA)

My complaint has been reported to the company by a first class mail and fax. 
This company, M. Leonard & Associates XXXX the company ) and its representative, XXXX XXXX, sent me a bunch of bills and payment demands dating back to XXXX and XXXX and included was another doctor bill dated XXXX of XXXX then demanded total payment of nearly XXXX times the amount of XXXX XXXX doctor bill all within 5 days. The date of the demand was XXXX XXXX, XXXX and the deadline to pay was XXXX XXXX, XXXX. I am a financially responsible senior citizen and I was shocked to see such illegal demand and yet worse, such zealous and aggressive company staff pursuing collection methods that are illegal, immoral and reprehensible. 

I disputed every bill this company sent me on XXXX/XXXX/XXXX and requested proof of debt but they didnt oblige to my request. I began to worry when they failed to provide me proof so I called XXXX more times and sent additional requests by mail, last request was on XXXX/XXXX/XXXX, both by phone and first class mail. This company sends me a proof of debt postmarked XXXX/XXXX/XXXX in a form of doctors office statement. The statement was blacked out in most parts and did not show all relevant information that should be clear and show what the bill is about. In that letter the company advise it is withholding all collection activities until XXXX/XXXX/XXXX. Meantime, I received another letter from this company postmarked XXXX/XXXX/XXXX stating the amount of debt is due now and it has been reported to credit reporting agencies as a collection item. 
This company used deception and intimidation tactics to force me to pay a bill that is not verified and I totally dispute. This company has damaged my credit file and my XXXX XXXX has dropped by nearly XXXX XXXX points. This company did not give me an opportunity to verify the debt and rushed to make a derogatory report against me to willfully hurt my credit. My credit file is very important to me and this company and its representatives attempt is just to bring me to my knees. It clearly shows this company was intent to pressure me for a payment. This company tried to collect some very old and unknown bills I am not aware of and tagged it to a newer bill which I dispute. I believe this company wanted to intimidate me by sending the very old bills ( XXXX XXXX XXXX and unknown to me XXXX then tag it to the newer bill of XXXX XXXX. Even though I consider these old bills bogus and XXXX new XXXX unverified, however this company was trying to pull a fast XXXX and get a quick payment by giving me only 5 days to pay without giving me any opportunity to verify and validate. This company is reverting back to the old days when they used to commit any act in order to collect money from unsuspecting consumers. 
I have attached some documents here to proof how zealous and aggressively this company conducting itself against consumers. 
Exhibit " A '' shows the bogus demand for payment for some very old bills which I do n't recall but they included a newer bill from XXXX and demanded payment for all the bills within 5 days without giving me time to verify. 
Exhibit " B '' dated XXXX/XXXX/XXXX but postmarked XXXX/XXXX/XXXX shows they sent a proof of debt for the new bill ( which was mostly blacked out and incomprehensible ) and gave me a deadline until XXXX/XXXX/XXXX to validate the debt. 
Exhibit C shows the company sent a letter dated XXXX/XXXX/XXXX and postmarked XXXX/XXXX/XXXX ( same day as exhibit B letter XXXX and in this one they declared the debt valid thus have reported it to credit agencies against my credit profile without validation. This contradicts company 's statement which had given a deadline of XXXX/XXXX/XXXX to me for validation. 
Exhibit D as a proof of debt it is mostly blacked out and not a proof. I dispute the amount. I must see complete details of the bill without XXXX out of any items.