Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
I was hospitalized XXXX for an acute life-threatening emergency. I later identified my signature was forged on the consent to treat intake paperwork at XXXX XXXX. I had automatic payment plans set up with both XXXX XXXX and and XXXX XXXX. All payments were on time as scheduled until XXXX XXXX suddenly discontinued the payment plan without appropriate notice. With no help from XXXX XXXX, I eventually figured out what happend on my own, and paid off my remaining balance owed to XXXX XXXX that would not have been an issue if their they did not discontinue the automatic payment plan. Regardless, both facilities ' payment plans were paid in full, showing a {$0.00} balance on XX/XX/XXXX ; this date is before my wages were officially being garnished. On XX/XX/XXXX, I unexpectedly received a strongly worded letter from BC Services attorney threatening legal action and additional costs/fees associated with the alleged debt. I responded by mail with a debt validation request on XX/XX/XXXX ; I had no relationship or agreement with BC Services. BC Services did not respond. On XX/XX/XXXX, I received an email from my empoyer that my wages were being garnished for an even higher amount ( {$7800.00} ) than the original threatening letter stated ( {$7500.00} ). I attempted to resovle the matter to an exhaustive degree, communicating with XXXX XXXX ( Senior Director of XXXX XXXX 'XXXX XXXX XXXX XXXX ), XXXX XXXX ( BC Servics Director of Collections ) and XXXX XXXX ( BC Services Director of Compliance and Administration ), and my employer 's payroll department without success. My wages were garnished anyway : XX/XX/XXXX : {$1400.00} | XX/XX/XXXX : {$1300.00}. I filed a Police Report ( XX/XX/XXXX @ XXXX ) for XXXX XXXX XXXX and XXXX. XXXX XXXX, Fraud Unit Detective for City and County of XXXX, informed me " it was best to follow up with the court that has issued the orders '' and then neglected to investigate. XXXX XXXX " Released Garnishment '' ( XX/XX/XXXX @ XXXX ). I immediately forwarded Garnishment Release to my employer without impact. Garnishment continued : XX/XX/XXXX : {$1300.00} | XX/XX/XXXX : {$1400.00}. Employer received release ( XX/XX/XXXX ). Garnishment Total = {$5500.00}. I have not heard from any of the involved parties until this month. I recently received a few emails/texts from XXXX XXXX XXXX XXXX providing me with a link to set up " my account '' with them. I logged into the website and I have a balance reported of {$150.00}. To this day, I am sitll waiting on this debt to be validated. I have attempted to seek legal representation for this but I have been unsuccessful in finding an attorney available to take my case. Amongst other significant consequences I've endured that are irrelevent to this particual form, this situation has financially crippled me and resulted in me defaulting on my federal student loans. This impact has destroyed my previously good-to-excellent financial credibility down to poor and my health.

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