Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: AMCOL Systems, Inc.
State: MI

Complaint narrative:
XX/XX/year> : I received an email from XXXX XXXX XXXX indicating a bill was available to pay for date of service XX/XX/scrub>XXXX XXXX XXXX XXXX I went onto XXXX XXXX XXXX  billpay system online and scheduled a payment for the full amount to be processed on my XXXX XXXX XXXX XXXX on XX/XX/year>. I printed out the confirmation of the scheduled payment. 

XX/XX/year> : I received two text messages from XXXX purporting to be from Amcol Systems a Debt Collector indicating I owed a debt for XXXX XXXX at XXXXXXXX XXXX and again at XXXXXXXX XXXX. After receiving the 2nd text, I was concerned it was a scam, so I called XXXX XXXX. 

The first customer service rep advised me that XXXX had cancelled my bill payment on XX/XX/year> and instead, placed my bill with collections. After explaining that I had scheduled for the payment to be made on XX/XX/year>, I was given another number ( XXXX ) XXXX for XXXX  and advised to ask them " to pull the bill back '' from collections. 

When I called the other number for XXXX after explaining that I had scheduled the payment for XX/XX/year> through AXXXX XXXX billpay website, I was told that since no payment posted due to the cancellation, they could not pull the bill back from collections. I was told the bill had been placed with " XXXX XXXX '' for collections and given the number ( XXXX ) XXXX to contact and pay the bill. 

I called the number for XXXX XXXX and was advised they did not have my bill. She would not tell me who did have it. 

I then called the ( XXXX ) XXXX number provided in the text message from Amcol Systems. I could only use the automated system, and after verifying they had my bill, paid the bill in full over the phone at XXXXXXXX XXXX A minute later, I received a text from ( XXXX ) XXXX purporting to be from " AMCOL '' and verifying the payment along with a transaction number. 

XX/XX/year> : I received an email from XXXX XXXX XXXX indicating a bill was available to pay for date of service XX/XX/year>XXXX XXXX XXXX XXXX I went onto XXXX XXXXXXXX XXXX billpay system online and scheduled a payment for the full amount to be processed on my XXXX XXXX XXXX XXXX on XX/XX/year>. I printed out the confirmation of the scheduled payment. 

XX/XX/year> : I received two text messages from XXXX purporting to be from Amcol Systems a Debt Collector indicating I owed a debt for XXXX XXXX at XXXXXXXX XXXX and again at XXXXXXXX XXXX After receiving the 2nd text, I was concerned it was a scam, so I called XXXX XXXX. 

The first customer service rep advised me that XXXX had cancelled my bill payment on XX/XX/year> and instead, placed my bill with collections. After explaining that I had scheduled for the payment to be made on XX/XX/year>, I was given another number ( XXXX ) XXXX for XXXX and advised to ask them " to pull the bill back '' from collections. 

When I called the other number for XXXX, after explaining that I had scheduled the payment for XX/XX/year> through XXXX XXXX billpay website, I was told that since no payment posted due to the cancellation, they could not pull the bill back from collections. I was told the bill had been placed with " XXXX XXXX '' for collections and given the number ( XXXX ) XXXX to contact and pay the bill. 

I called the number for XXXX XXXX and was advised they did not have my bill. She would not tell me who did have it. 

I then called the ( XXXX ) XXXX number provided in the text message from Amcol Systems. I could only use the automated system, and after verifying they had my bill, paid the bill in full over the phone at XXXX XXXX A minute later, I received a text from ( XXXX ) XXXX purporting to be from " AMCOL '' and verifying the payment along with a transaction number. 

I believe that XXXX and Amcol Systems have violated the Fair Debt Collection Practices Act in numerous ways, including but not limited to : cancelling the scheduled payment I made on XXXX XXXX own billpay website on XXXX XXXX placing a medical bill which was less than 30 days old into collections without any advance notice or opportunity to pay through XXXX  ; placing the bill into collections without written notice of the alleged " debt '' ; failing to provide written notice of the alleged " debt '' or opportunity to challenge its validity.

Company response to consumer: Untimely response