Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC
State: TN

Complaint narrative:
Company : Capital Accounts XXXX XXXX XXXX XXXX, TN XXXX starting on Monday XX/XX/XXXX at XXXX EST, I started getting calls on my work number from this company, I told them I have not received any written notification of the debt, they stated it was sent Friday XX/XX/XXXX, I told them that was Friday this is Monday, and requested they Do not call my work number, I also stated I will be Disputing the debt, I was sent an email from them ( I responded, that I would like to dispute this ) I was told that they will be reporting me on the XX/XX/XXXX, I stated this is illegal I have 30 days from written notification to dispute, that I still had not received written notification, the next day XX/XX/XXXX at XXXX, I again get another call to my work number, and stated the same thing this is my work number, and please don't contact me on it, and that I had already responded to an email, the CSR stated `` they did not get it '' and I stated it was sent at XXXX on XX/XX/XXXX, I then again stated please don't call me on this number, he hung up on me, then at XXXX EST XX/XX/XXXX, I get another call from them on my work number, after I had already stated this is a work number please stop calling, and was told they are going to report me as of the XX/XX/XXXX, again I told them that is " illegal '' and to stop calling my work number, at XXXX EST, got a call on now my cell number, I was skipped traced, because they did not have my cell number, nor did the original debitter, I then asked how they got this number, and why was a skipped traced? they then hung up on me, I then called back and requested to speak with a manager, at this point I was again hung up on ... I then called back again requesting the same thing, I was again hung up on ... I had to use my XXXX and change my number to something not in the system, because they had then blocked my cell phone, after I stated that TN is a " one way state '' and that all inbound out bound calls to my house are recorded, they stated " it is against our policy to be recorded '' even though they are recording you.. I finally got someone whom claimed to be a manager " XXXX '' he refused to answer my complaints, and refused to assist me with my concerns, eventually he hung up on me, then I got to a guy by the name of " XXXX '' who refused to give me any prof of being a manager,  other then his first name, XXXX just laughed at my complaints and my concerns and then stated " unless I have my credit care out and am willing to pay '' he is not going to help me ... the calls then stopped, its only because they know I record all my calls, the original letter then showed up at my house on XX/XX/XXXX, post marked XX/XX/XXXX ... I emailed them Wednesday explain my concerns, and requested the information on the original debt ... I then got a letter XX/XX/XXXX stating the following, Enclosed is the Itemization you requested, " this account has accrued {$46.00} in back interest and monthly interest for a total Balance of {$220.00} '' this is a medical bill, the original debt is for XXXX.. I have attached all the documents they have sent, I also did my homework on this company and they have many complaints, people have complained about the same things I have, lack of following FTC rules, asking to speak with manager and getting hung up on, when people have paid, they have not removed the debit from there credit report, they have been reported to XXXX and other places.. I am disputing the original debt, not that I don't owe it but the work that was done had to be redone by another dentist, I had gone to the dentist 4 times complaining of the work nothing was done..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation