Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GB Collects, LLC
State: VA

Complaint narrative:
I am filing this complaint regarding improper debt collection practices involving a medical-related account associated with XXXX XXXX and XXXX XXXX XXXX North Carolina and its contracted collection agency, GB Collects. This issue began in XXXX XXXX and involves services rendered to my adult daughter. I have not been provided with any documentation establishing that I am legally responsible for this debt. In XX/XX/XXXX, I contacted XXXX XXXX and XXXX XXXX XXXX North Carolina to address the balance. I explained that the bill was for my adult daughter and requested a payment plan. I was informed that, as the policy holder, I was responsible for the account and that a payment plan would be mailed to me. I never received the promised payment plan. I documented this call in an email to my daughter on XX/XX/XXXX. Despite not receiving the promised payment plan, I began making good faith monthly payments of {$25.00} starting XX/XX/XXXX through my XXXX XXXX bill pay system. All checks sent to XXXX XXXX and XXXX XXXX XXXX North Carolina were accepted and cashed. On XX/XX/XXXX, I received a demand letter from GB Collects stating that I was ignoring the debt and demanding an amount greater than what was actually owed, despite the fact that I had already begun making payments. On XX/XX/XXXX, I submitted a formal written dispute and request for validation to both XXXX XXXX and XXXX XXXX XXXX North Carolina and GB Collects, disputing the accuracy of the claim, the balance, and again requesting the previously promised payment plan. XXXX certified mail records confirm that my dispute to GB Collects was delivered on XX/XX/XXXX. I received no response from either company. I continued making consistent monthly payments. On XX/XX/XXXX, I received another demand letter from GB Collects again falsely stating that I was ignoring the debt and demanding payment in excess of the actual balance. On XX/XX/XXXX, I sent formal written disputes and requests for debt validation to both GB Collects and XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX In those letters, I requested a full accounting of the debt, including a complete payment history and an explanation of the balance. I also disputed the inaccurate amount being reported. I received no response from GB Collects. However, XXXX XXXX and XXXX XXXX XXXX North Carolina confirmed, via mailed correspondence, that the balance being reported by GB Collects was inaccurate and stated that GB Collects had been notified of the discrepancy. Despite this, I received no response or correction from GB Collects. I made consistent monthly payments of {$25.00} from XX/XX/XXXX through XX/XX/XXXX ( excluding XX/XX/XXXX during an active dispute ). A confirmed internal processing failure by XXXX caused my recurring payments to terminate without my knowledge. I became aware of this issue only in XX/XX/XXXX. This does not change the fact that I made consistent good faith payments for an extended period, nor does it justify the continued inaccurate statements that I was ignoring the debt. In XX/XX/XXXX, I received yet another demand letter from GB Collects again falsely stating that I was ignoring the debt and demanding payment in excess of the actual balance. As of today, I have sent another formal written dispute and request for debt validation to both GB Collects and XXXX XXXX and XXXX XXXX XXXX North Carolina, again requesting a full accounting of the debt and disputing the inaccurate balance. Despite my consistent payment history and multiple written disputes, I have continued to receive collection communications falsely claiming that I am ignoring the debt and demanding payment of an inaccurate amount. Bottom Line : 1. The collection agency continued collection activity despite unresolved disputes 2. My written disputes and validation requests were not properly addressed 3. The collection agency made false and misleading statements that I was ignoring the debt 4. The balance being reported does not reflect payments made and appears inaccurate 5. I have not been provided documentation establishing that I am legally responsible for this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation