Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: PA

Complaint narrative:
Formal Complaint Against XXXX XXXX County Hospital Billing & Collections for Improper Billing, FCRA, FDCPA, and Consumer Protection Violations I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's billing department XXXXXXXX XXXX XXXX XXXX for multiple violations, including improper billing practices, failure to process insurance claims, wrongful collections activity by Franklin Collection Services. Below is a detailed account of the issues : XXXX. Failure to Properly Process Insurance ( Leading to Wrongful Collections ) On or around XX/XX/XXXX, I provided my insurance information to XXXX  XXXX XXXX Hospitals billing department to ensure the bill was submitted to my insurance. 

Despite this, the billing company failed to process the claim correctly, resulting in an unjustified delinquency. 

I contacted the billing department on XX/XX/XXXX to notify them of their error and requested that they reprocess the claim with my insurance, because I was called by Franklin Collection Services before receiving a notice about the account being sent to collections. They acknowledged the mistake and claimed they would correct it, as well as escalate the account to investigate what happened. I am awaiting their response. 

Due to their negligence, my account was wrongfully sent to collections, which could negatively impact my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX. Unfair and Deceptive Practices ( Consumer Financial Protection Violations ) The billing companys failure to submit the claim properly, constitutes an unfair practice under Consumer Financial Protection laws, as it caused undue financial harm.

I had to spend additional time and effort to resolve their error, including multiple calls to reprocess the claim. 

XXXX. Collections Agency Violations ( FDCPA & Harassment ) Illegal Collections Contact Before Notice : The collections agency Franklin Collection Services called me before sending written notice, violating the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Hanging Up on Me : When I attempted to dispute the debt, the collector hung up on me, which is abusive conduct under FDCPA 806.

Only after receiving written notice did I engage further, but the initial misconduct caused unnecessary distress. I filed a cfpb report because I was lead to believe by their agent that the XXXX XXXX XXXX XXXX sent my bill to collections however it actually was the Doctor who uses a separate billing. I confirmed with my insurance that the XXXX  bill was received and so my cfpb claim was filed under the assumption that they were billing me again and improperly for a bill that was already paid. However upon receiving the notice I realized it was the Doctor 's Billing dept. that had the billing error, confirmed again with insurance they did not receive the bill from XXXX XXXX XXXX XXXX The collections notice has an incorrect Account Number, XXXX XXXX can not find it in their system. They were able to look-up my account using information from the original bill from XXXX XXXX XXXX XXXX 



I have made multiple attempts to resolve this directly with the billing company and collections agency. I request that the CFPB investigate this matter and ensure compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation