Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
I am filing a complaint regarding AMERACCT and XXXX XXXX for attempting to collect medical debt that is not legally owed. XXXX XXXX sent my account to AMERACCT, wrote the balances off internally as bad debt, set my account to a {$0.00} patient balance, and then later attempted to rebill and re-collect the same written-off charges, totaling more than {$29000.00}. This constitutes unlawful debt collection, duplicate billing, and misrepresentation of a consumer debt. 

XXXX. Debt Was Written Off and Should Not Be Collected Summit Orthopedics itemized ledger shows : Self-Pay Collection Agency Transfer AMERACCT Bad Debt Adjustment dated XX/XX/year> A {$0.00} patient balance This proves the provider : Transferred the account to collections Wrote off the charges Closed the balance internally Once a provider formally adjusts a balance to bad debt and transfers it to a collection agency, the patient no longer owes the provider directly. Despite this, XXXX later attempted to rebill me again for {$29000.00}. 

XXXX. AMERACCT Attempted Collections on Invalid Debt On XX/XX/year>, I received an AMERACCT collection letter attempting to collect balances that : Were already written off Were sent to collections during an insurance dispute Were caused solely by a provider documentation failure Were not legally owed under Minnesota medical billing law Were improperly rebilled after being extinguished AMERACCT has attempted to collect debt that is invalid, inaccurate, and legally unenforceable.

3. The Underlying Insurance Denials Were Caused by Provider Error XXXX denied the claims because Summit Orthopedics failed to submit required clinical documentation. The denial reason for all claims was : Additional information not received within required timeframe. 

I did nothing wrong. The debt exists only because : XXXX did not submit documentation Claims were denied administratively XXXX failed to appeal XXXX improperly pushed responsibility onto me XXXX misrepresented the claim as motor vehiclerelated ( false ) AMERACCT attempted to collect debt created solely by provider negligence, not consumer responsibility. 

XXXX. XXXX Illegally Re-Billed Written-Off Debt After writing the balances off and sending them to collections, XXXX issued a new billing statement on XX/XX/year> attempting to rebill {$29000.00} of the same balances. This is classic : Duplicate billing Reaging of debt Misrepresentation under FDCPA Attempt to collect a XXXX amount This practice is illegal under the FDCPA and Minnesota XXXX XXXX. 

XXXX. Violations Occurred The conduct of Summit and AMERACCT appears to violate : Fair Debt Collection Practices Act ( FDCPA ) Minnesota Statute 332.37 Prohibited Collection Practices Minnesota medical billing laws CFPB rules on medical debt reporting and collection Violations include : Attempting to collect debt not owed Attempting to collect written-off balances Misrepresenting the amount and legal status of the debt Failing to validate the debt Continuing collection during an insurance dispute Rebilling extinguished balances 6. Requested Resolution I request that CFPB : Investigate AMERACCTs attempt to collect invalid debt. 

Require XXXX XXXX to correct all balances to {$0.00}.

Require AMERACCT to cease all collection activity.

Remove the debt from any internal or external reporting systems.

Provide written confirmation that the debt is no longer pursued.

7. Attachments I Will Provide Summit Orthopedics ledger showing bad debt write-off and {$0.00} balance Summit re-billing statement for {$29000.00} AMERACCT collection letter UMR claim denial showing provider documentation failure Email from Summit misrepresenting claim type ( MVA/WC )

Company response to consumer: Closed with explanation