Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Filed by : XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Capio Partners Date of Incident : XX/XX/XXXX Present CFPB Categories : Incorrect information on your credit report Attempts to collect debt not owed Communication tactics Took or threatened negative or legal action Communication tactics Took or threatened negative or legal action Complaint Summary I am filing a formal complaint regarding a medical bill from XXXX XXXX, dated XX/XX/XXXX, which was improperly sent to collections and subsequently reported to credit agencies by Capio Partners. I had valid insurance coverage at the time of service and have documentation to prove it. Despite this, XXXX failed to process my insurance appropriately or communicate with me about any billing issues in the years since the procedure. 

Key Issues : Failure to Process Insurance Appropriately ( XXXX XXXX ) XXXX XXXX claims I did not provide insurance. I had valid insurance at the time, which was provided, and I have documentation proving active coverage. ARAs failure to bill or follow up with the insurer resulted in wrongful debt placement. 

Lack of Communication from Original Provider ( XXXX XXXX ) I was never notified by XXXX that the balance remained outstanding. I received no communications, bills, or attempts to resolve the insurance claim. This was the first notice I received in years. 

Improper Collections and Harassment ( Capio Partners ) Capio Partners began collections on this account without confirming the status of the insurance dispute. When I advised them I had insurance and was in the process of addressing it, they said, XXXX has washed their hands of this, its ours now so it doesnt matter. Despite that, they continued to contact me aggressively, violating my verbal request to pause communications while I resolved it with insurance. 

Failure to Cease Communications Upon Request ( Capio Partners ) I verbally requested Capio Partners stop contacting me while I addressed the billing error. They ignored my request, which is a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), particularly regarding harassment and failure to honor cease requests. 

Damage to Credit from Improper Collections Reporting This collection was reported to credit bureaus, significantly damaging my credit. This was unjustified due to the valid insurance coverage, lack of communication from the provider, and failure to acknowledge the insurance dispute by Capio Partners.

Confusing and Possibly Erroneous Billing Statements The statement from XXXX includes unexplained notations and unclear payment sequences, including transactions listed under " XXXX, '' " XXXX, '' and " XXXX. '' These entries are not explained or tied to known insurance or patient activity. There is a COLLECTION Denial notation without details. Despite several payments shown, the bill was still sent to collections. The statement shows a {$0.00} balance and {$0.00} pending insurance as of XX/XX/XXXX, making the debt 's existence and collection even more questionable. 
I am attaching : Attachments : Copy of the original XXXX XXXX statement Insurance proof from the time of the visit ( to be uploaded )- This insurance information was difficult to find as it was 5 years ago, and I was married at the time ( which I am not now. ) Which is why the primary member is XXXX XXXX, with me as the patient ( XXXX XXXX ). It was through his company, The XXXX XXXX XXXX, which is now XXXX XXXX. 

I would include communication records, but Capio partners did not send the actual bill or their receipts. This makes me doubt their position, along with all these other issues.

Company response to consumer: Closed with non-monetary relief