Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners
State: FL

Complaint narrative:
1. XX/XX/2021 I received a debt collection notice on behalf of " XXXX XXXX XXXX " ... contracted by Pendrick Capital Partners LLC '' to collect an alleged debt. The debt collection letter was dated XX/XX/2021 and the alleged debt was stated to be in the full amount of {$60.00}. 
2. The XX/XX/2021 letter stated the original Creditor was " XXXX XXXX XXXX XXXX XXXX '' and alleged that I was indebted {$60.00} for medical services rendered by Doctor : XXXX XXXX XXXX on ( XXXX ). 
3. I was confused because : a. I did not recognize this alleged debt. 
b. I did not recognize nor recall signing a contract with " XXXX XXXX XXXX. '' c. I did not recognize nor recall signing a contract with " Pendrick Capital Partners LLC. 
d. I did not recognize nor recall signing a contract with " XXXX XXXXXXXX XXXX '' e. I did not recognize the alleged treating physicians name, signing, or consenting for such treatments to be rendered by XXXXXXXX XXXX XXXXXXXX. 
f. Nor did I recognize the occurrence of such medical services rendered on the alleged date ( XXXX ). 
4. After reviewing the notice of debt collection for one day, I wanted more information. I politely contacted " XXXX XXXX XXXX '' on ( XXXX ) using their provided phone number. The first representative maliciously and abruptly hung-up on me. 
5. I feared for the well-being of my credit and my medical privacy of this alleged medical information as outlined by HIPAA. I immediately called back and politely asked to speak with a supervisor due to the original representatives abrupt, malicious, and rude behavior by hanging up on me. The representatives actions were a clear violation of the Fair Debt Collection Practices Act ( FDCPA ).

6. I explained to the Supervisor my itemized concerns [ a. through f. ]. I also stated my Father and I have the identical name, he and I were on the same insurance plan, and I visitied him in the hospital around that time frame after he was rear-ended and and a pick-up truck landed on the hood of his vehicle. The Supervisor explained that he has encountered errors resulting from " Jr. & Sr. Names Shared by Father and Son. I reluctantly remitted payment under the Supervisors assurance that if I paid this alleged debt that was on all Three of my Credit Reports ; the alleged debt would be settled as a payment in full for {$60.00} if I remitted payment right then and there. He also assured me he would send a letter stating the account had been satisfied in full, there would be no further collection practices, and all records of this collection activity would be completely removed from my Credit Reports.

7. In desperation for my best interests and in acquiescence, I remitted payment in the full amount of {$60.00} on ( XXXX ) to rightfully protect my credit, financial interests, and private medical records. [ Ref : Proof of Payment in Full for {$60.00} on ( XXXX ) ]. [ Credit Card Statement Attached ].

8. On XX/XX/2021 I received the Supervisors letter via USPS from XXXX XXXX XXXX. The letter was dated XX/XX/2021. It stated the following : Confirmation of Account Satisfaction & Account Balance Due : {$0.00}. 
9. On XX/XX/2021 I received a letter dated XX/XX/2021 from XXXX XXXX XXXX. It stated This notice serves as confirmation that the above-referenced account with the above referenced creditor has been closed and returned to the creditor. Thus, the account is closed in our system. 
10. What is of the utmost concern to me is the correspondence was written on the letterhead of XXXX XXXX XXXX and included attachments from Pendrick Capital Partners LLC. Pendrick Capital Partners LLC dated their correspondence as XX/XX/2021 : Two business days after I remitted payment in full. It also stated : This is communication is from a debt collection agency. This is an attempt to collect a debt and any information will be used for that purpose. Pendrick Capital Partners wrongfully claims I am indebted to them in the amount of {$2100.00}. I am incredibly confused. I remitted payment on XX/XX/2021 again two business days prior to their dated correspondence. This makes zero sense. 
11. Most importantly, all documents ( attached ) contain identical Account Numbers, Original Account Numbers, Original Creditor, Contracted Creditor, the alleged Balance, Date of alleged services, and a clear statement : CONFIRMATION OF ACCOUNT SATISFACTION & ACCOUNT BALANCE DUE : {$0.00}. 
12. The clear paper trail, my prompt and timely remittance of payment, proof of payment displayed on my credit card statement dated XX/XX/2021, and a letter stating the account balance is {$0.00} proves unequivocally I satisfied this alleged debt in complete Accord & Satisfaction with the law. I remitted payment for this alleged debt, in full, for the Balance Due : {$60.00} on XX/XX/2021. The additional collection practices that have ensued lead me to believe these debt collection practices are immoral, illegitimate, fraudulent, and illegal. Furthermore, I question if the {$60.00} I paid XXXX XXXX XXXX constitutes Wire-Fraud and I sincerely question the legitimacy of this alleged debt. I have reason to question this debt given the circumstances and whirlwind of conflicting claims in each piece of correspondence I received.

Company response to consumer: Closed with explanation