Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
This complaint is a continuation of previously closed CFPB XXXX # XXXX, which was closed on XX/XX/XXXX, before I had the opportunity to submit feedback on the company 's response. New evidence has emerged that demonstrates an ongoing violation by Gulf Coast Collection Bureau ( XXXX ). BACKGROUND On XX/XX/XXXX, I submitted a complaint to the CFPB regarding an alleged medical debt associated with services rendered on XX/XX/XXXX. The debt was disputed because : ( 1 ) the underlying charges were disputed directly with the medical provider under the No Surprises Act and applicable Florida statutes ; ( 2 ) insurance coverage was active and confirmed at the time of service and all copayments were made ; ( 3 ) the medical provider never responded to the dispute; and ( 4 ) the account reflects a XXXX balance ( {$0.00} ) in the provider 's patient portal. XXXX 'S OFFICIAL RESPONSE ( XX/XX/XXXX ) In their official response to the CFPB dated XX/XX/XXXX, GCCB explicitly stated that they had suspended all active collection efforts pending review and validation of the balance by the medical provider. NEW VIOLATION On XX/XX/XXXX XXXX days after GCCB declared to the CFPB that collection activity had been suspended I received a physical collection letter from GCCB. This is a direct contradiction between what XXXX declared to a federal regulatory body and the actions they took against the consumer. This conduct constitutes a violation of Section 1692c of the FDCPA, which prohibits continuing collection activity while a debt is formally in dispute. It also represents a material misrepresentation made to the CFPB during a formal complaint proceeding. Additionally, XXXX has never provided debt validation as required under Section 1692g of the FDCPA, despite the debt being disputed since the original complaint was filed. CURRENT STATUS The debt remains fully disputed and unvalidated. The medical provider has never responded to the dispute submitted under the No Surprises Act. The account continues to show a XXXX balance ( {$0.00} ) in the provider 's patient portal. No legal basis for this debt has been established by either GCCB or the medical provider. XXXX XXXX XXXX. Physical collection letter from XXXX dated XX/XX/XXXX XXXX. Screenshot of provider 's patient portal showing XXXX balance ( {$0.00} ) XXXX. XXXX 's official CFPB response dated XX/XX/XXXX, declaring suspension of collection activity XXXX. Documentation of original dispute submitted under the XXXX Surprises XXXX XXXX. Proof of active insurance coverage and copayment made on XX/XX/XXXX REQUEST I request that the CFPB : ( XXXX ) reopen and escalate this matter in connection with Case # XXXX ; ( XXXX ) investigate GCCB 's violation of Section 1692c and Section 1692g of the FDCPA ; ( 3 ) investigate whether XXXX made a material misrepresentation to the CFPB ; ( 4 ) require XXXX to permanently close this account and cease all collection activity ; ( XXXX ) require written confirmation that no negative report has been or will be submitted to any credit bureau XXXX XXXX XXXX XXXX XXXX XXXX and ( XXXX ) notify the medical provider of their failure to respond to the No Surprises Act dispute. The previous case was closed before I could provide feedback. This complaint exists because the problem was not resolved it was made worse. I request this case remain open until a definitive written resolution is obtained.

Company response to consumer: Closed with explanation