Consumer complaint received 2026-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: We Collect Inc
State: OR

Complaint narrative:
I have written multiple times and filed an official dispute directly with the company for multiple reasons XXXX show different amounts for the total owed between the original notice I was served, and what is displayed on their online payment portal. My original notice states XXXX. I paid {$300.00} so far, and they are claiming I owe {$4600.00} on the online portal -I had a payment plan of {$150.00} per month starting in XXXX. I made XXXX payments. In XXXX, I went to make this payment, and it did not show any previous payments -I immediately contacted the company asking why the {$300.00} worth of payments were not shown and stated I would pay as soon as we figured that out, I did not get a reply XXXX weeks went by with no response except through their online chat portal. This simply stated a settlement was entered and my payments were applied -This message was not seen until multiple days later as this chat feature provides no notifications, all all my previous attempts were through email with photos provided of the notices I had received, and these got no reply -I questioned the total still as they claimed the {$300.00} still applied, but to this day they have not provided me documentation that this is the case. It shows no where in the online payment portal, on my account, and the total they claim I owe does NOT include the {$300.00} I paid according to my math -I requested to receive proof of this, an explanation of my total due as the interest accrued does not add up if this {$300.00} was applied. I have again received XXXX response. -As of XX/XX/XXXX, all I have heard was through the online chat feature, claiming that a garnishment was entered due to no XXXX payment. This is false however, as I have a garnishment letter dated from XX/XX/XXXX. My monthly payments are not due until the end of the month, so if this ganishment was due to no XXXX payment, that makes no sense. The payment plan had been in effect for XXXX months at the time the garnishment letter was dated -I have a screenshot of my savings account with a transfer for {$450.00} that is ready to go, the total of the XXXX, XXXX, and now XXXX payments, which I have stated to them they will receive the moment that they can explain what is going on with my other payments -They were notified 4 days ago in a final attempt to get a response and I have heard nothing through email, phone call, or the online chat feature -They have previously claimed to reach out through the phone, but would not tell me what number they called from so I could verify their claims. I have no voicemails from them. -i have written from them in the online chat feature they would send an XXXX message after I complained about them only using the online chat. They never sent a message, instead replied to the online chat feature a few days later, which again went missed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation