Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Keynote Consulting, Inc.
State: FL

Complaint narrative:
Keynote Consulting has continuously called me for a medical bill from XXXX XXXX XXXX   XXXX XXXX XXXX XXXX in XXXX. In XX/XX/XXXX, at the time of my doctor 's appointment, I was a XXXX student at XXXX College XXXX and had XXXX student health insurance that was covered my visit to the facility and was responsible for the money owed to XXXX   XXXX XXXX XXXX XXXX. 

My understanding is the student health insurance never paid XXXX XXXX XXXX XXXX XXXX for my visit, though they were responsible for the bill. XXXX College discontinued providing student health insurance in XX/XX/XXXX, stating the coverage ended because XXXX discontinued their student health services. 

The first time Keynote Consulting called me I clarified to them that at the time of my appointment I had XXXX Student Health insurance which I provided to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as paid my copay on the date of my appointment. I further explained that I was not responsible for the bill because of my coverage through XXXX, in addition to paying my copay. I provided them with the last known contact information I had for XXXX 's student health services and advised they contact XXXX to collect the debt, as XXXX was the responsible party for the debt. 

Keynote Consulting continued calling me daily. Specifically, I have receive the most calls from their employee, XXXX XXXX. Keynote Consulting now has repeatedly contacted my fiance, XXXX XXXX. The first time they called XXXX they informed him they were a debt collector calling because XXXX XXXX has not paid a medical bill and the medical office had given the case to them to resolve and collect payment. The first time they called XXXX was XX/XX/XXXX, which is before we were even engaged. 

In summary, Keynote Consulting called my boyfriend, informing him they were a debt collector, and XXXX XXXX had unpaid medical bills they were collecting on behalf of the medical facility. They requested he speak to me about the debt and inform them my response to him regarding if I was going to pay the debt. Keynote Consulting called XXXX three more times within one month, XX/XX/XXXX through XX/XX/XXXX. 

In XX/XX/XXXX, I informed Keynote Consulting they did not have permission to call my boyfriend, nor to harass him by continuously calling, nor inform him they were a debt collector, in addition to informing him I had unpaid debt owed to a financial institution, and requesting he investigate my intentions to pay or not pay them. 

Keynote Consulting stopped calling XXXX XXXX at that time. Then, in XX/XX/XXXX they called XXXX XXXX again informing him who they were and that they were contacting him due to still not having heard from XXXX XXXX and wanted to know if he had spoken to me about the debt. XXXX XXXX told them never to call him again, they did not have permission from to do some from XXXX XXXX, as well as he never gave them permission to contact him. Keynote Consulting did not contact XXXX again in XX/XX/XXXX. 

In XX/XX/XXXX, Keynote Consulting called XXXX again to inform him they had still not be able to collect the debt from XXXX XXXX. They asked if he was willing to give his credit card to pay for the debt for me. XXXX told them to stop calling him and hung up the phone. They did not call XXXX again XX/XX/XXXX. 

In conclusion, I am not responsible for the debt. XXXX XXXX XXXX XXXX is the party responsible for the debt owed to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additionally, Keynote Consulting does not have the right to contact XXXX XXXX, whom is not even related to me nor do we have an employee/employer relationship of any kind.

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