Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Accounts Service Team Inc.
State: GA

Complaint narrative:
I am filling a formal complaint regarding the conduct of a collection agency attempting to collect a dental debt that had already been paid in full. For now than three years, I disputed this alleged debt and informed the collection agency that the account had previously been satisfied. I possess payment documentation supporting my position, including documentation of final payment made directly to the original provider, with memo references indicating " paid in full, {$0.00} balance. '' At the beginning of this matter, I disputed the debt directly on the original billing notice and advised that the account had already been paid through the original dental provider. After that dispute, subsequent collection notices reflected a reduced balance, indicating communication and/or adjustment regarding the account may have occurred with the original provider. However, despite this, collection activity and billing continued for more than 3 years without meaningful resolution or proper validation being provided to me. Despite repeated disputes and repeated notification that the account had been paid in full, collection activity and reporting related to this matter continued for more than 3 years. During this time, I received a substantial number of collection related telephone calls, at times occurring multiple times per day, as well as repeated collection letters. Many of these contacts were documented through retained call recorded, rejected call logs and preserved correspondence. Collection notices continued over an extended period and reflected additional charges and fees despite my repeated disputes regarding the validity and status of the account. I submitted multiple written disputes and demand letters by certified mail all of which were documented and confirmed received through USPS tracking and return receipts. Copies of prior correspondence are included for documentation purposes and to demonstrate the history of disputes, attempts at resolution and notice provided to the collection agency. Additionally, during my review of credit reporting information through XXXX XXXX, the reporting appeared to identify the collection agency rather than the original dental provider in connection with the account which added further confusion regarding the handling and reporting of this matter. The collection agency failed to provide meaningful validation or adequately address the documentation and disputes I submitted. After continued written efforts on my part, the account was eventually removed from visible credit reporting and I later received a brief response indicating that the agency had contacted the original dental provider regarding removal of the debt from credit reporting. However I remain concerned about the handling of this matter. This matter caused significant stress, XXXX, frustration, time expenditure and concern regarding my credit standing and financial reputation over a prolonged period of time. I have suffered damages related to the handling of this matter and reserve all rights and remedies available to me under applicable laws.

Company response to consumer: Closed with explanation