Consumer complaint received 2022-10-05 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:
I received a letter from Capio Partners on XXXX claiming a debt I owed for {$2500.00} had gone to collections. I wasn't aware of any medical debt. I called Capio Partners and filed a dispute, requesting more information on the original creditor and a verification of the debt. 

Just a note : the person I spoke to assured me that I could file a dispute over the phone and did not need to mail in a written statement. I asked multiple times to be sure and they said the words " you do not need to mail in anything. I can open a dispute over the phone. '' I wrote down those words in my notes and recorded the individual 's name as well. He told me that there was no point in calling the original creditors or trying to question them about the debt, that it was too late and I Capio owned the debt and I needed to pay them. 

Before getting information that I requested and validation from Capio, I was able to determine based on the date they gave me that it was from a hospital I had an ER visit at in XX/XX/XXXX. Since I have been paying off a medical bill from that visit, so I was confused about an additional unpaid debt. 

I called the hospital that same day ( XXXX ) and I was able to discover that due to the hospital 's clerical error, they failed to make me aware of this additional bill of {$2300.00} ( which was less than the amount Capio Partners claimed. ) It turns out that the hospital had written down the wrong address on one of the documents, despite my driver 's license having my correct address, and so notice letters were sent to a different apartment. 

The hospital also revealed that Capio Partners had sent back the debt as " non-collectible '' in XX/XX/XXXX and so it actually was back in possession of the hospital. I paid the debt with the hospital immediately on XXXX. My balance with the hospital became zero. 

The next day, on XXXX, I received a confirmation email from Capio Partners that they were officially opening a dispute and would investigate whether the debt was valid. The pdf explicitly stated : " We received your recent letter disputing the accuracy of the above-referenced account. We have not had sufficient time to complete our investigation of the inaccuracy. On our completion of the investigation, we will inform you of whether our information was accurate or innaccurate. '' I never received any of the further information that I had requested about the original creditors or validation of the debt. I knew that when they did their investigation that they would see I settled the debt with the hospital, as confirmed by the hospital themselves multiple times including today. 

However, despite that fact, on XXXX Capio Partners reported the debt as past due to a credit reporting agency ( XXXX ) and when I called Capio they had to reopen a new dispute and told me to send my proof of payment to an email of theirs. This shows me they never did an investigation on the validity of the debt.

Company response to consumer: Closed with non-monetary relief