Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I am automatic payment and have been for the last two years. One of the accounts is paid off. The other account is still being auto draft on the XXXX of every month. I have advised the credit reporting/collection agency over 5 times, that this debt is not correct. The collection agency advised me that as long as I do not pay them directly they will continue to place this incorrect information on my credit report. I offered to provide them with statements that show I do not owe and that I am on auto-draft. 

I made an appointment for XX/XX/XXXX to speak to the Dr . I provided the Dr with my bank statements and credit card statements to show I was paying and yet still this account was placed with the collection agency- Credit Bureau Associates- XXXX XXXX XXXX XXXX Georgia I started  out owing over {$1000.00} on one account and almost {$900.00} on the other account. XXXX XXXX and XXXX XXXX is the same company. Now that the balance owed is less than {$300.00} I found out today that the original balance has been placed on my credit report, {$180.00}, {$580.00}, {$250.00}. The same original amount. I have spoken with Both Companies in the past about this error. 

The agent at XXXX XXXX XXXX XXXX XXXX reached out and requested verification on the amount owed. To this date, no response. The agent at XXXX also made a conference call to XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX trying to get a resolution as to why the account is turned over to collection. 

XX/XX/XXXX XXXX XXXX advised they had some billing issues and changed billing companies and billing software more than 2 times within a 6 months span. 

Creditors Bureau Associates advised me that they are helping XXXX and XXXX out by collecting the payments for them, my question was do you collect payments while the account is on auto-draft? It was during that conversation that I learned that as long as I was paying the Dr office directly this information would continue to re-appear on my credit report, " you know they are having some issues, I have tried to get you to pay us instead of them, to make sure it stays off your credit report. '' I have been unsuccessful in my attempts to explain that I do not owe the balance that is reported on my credit. I owe less than {$300.00}. 

I have visited the XXXX XXXX XXXX and XXXX XXXX XXXX for Resolution. Once I was told they did not have my signature for autopay, However, I was already on auto-pay. A few months after that I was told the signature form was in my file and no one knew why the auto-draft discontinued Earlier this year, Creditors Bureau Associates contacted me about the account and I offered to send them my billing statement that shows the conflict with the amount owed and I offered to show verification that I was still on auto-pay. I was told that they would reach back out to XXXX and XXXX XXXX. After a few weeks, I called them back to see what was the outcome because the person they had been speaking with would not return my call. 
Creditors Bureau Associates have a personal relationship with that company and they are aware of the billing issues the company has, yet they still make attempts to collect debt balances that are not owed. 

I missed an appointment in XX/XX/XXXX I was charged {$50.00}, that appointment did not happen because I was already there for an injection. The charge was supposed to be removed, instead, they sent me a separate bill for the same {$50.00} that is already on the original billing statement. This separate invoice occurred after one of my Auto-drafts did not end even after the balance had been paid. I received a bill for the {$50.00} they over-collected for that says missed appointment XX/XX/XXXX. However, the overpayment occurred in XXXX. Each time I ask Creditors Bureau Associates to verify what I owe, they are not able to confirm what the correct balance nor can they validate payments made to XXXX and XXXX XXXX XXXX that have yet to be credited to my account.

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