Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armor Systems Corporation
State: CA

Complaint narrative:
The XXXX Office of XXXX XXXX XXXX ( XXXX ), also known as " XXXX XXXX, XXXX, '' located at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX, has repeatedly and falsely attempted to collect debts from me, even though they have clearly agreed in writing that the amount in question was paid by the now-defunct insurance company, XXXX XXXX XXXX. I am aware that other patients have had similar false claims submitted to collections by this same office, and I am urging federal and state consumer protection officials to take immediate action to stop this office from pursuing such fraudulent collection actions. 

On XX/XX/XXXX, I visited XXXX XXXX 's office for a XXXX appointment. At that time, I paid a {$20.00} co-pay to XXXX XXXX 's office because the provider was explicitly listed as a " Tier 1 Provider, '' as documented in writing by XXXX XXXX XXXX. 

In XX/XX/XXXX, I was contacted by a collection agency, XXXX XXXX and XXXX XXXX ( XXXX ) claiming that I owed XXXX XXXX XXXX a {$40.00} co-payment. Land of XXXX stated that this was an error and that I did not owe any amount to XXXX XXXX office. A staffer named XXXX XXXX in XXXX XXXX XXXX later confirmed twice in writing, on XX/XX/XXXX and XX/XX/XXXX, that I did not owe any amount to XXXX XXXX office and that the amount was due for reprocessing by XXXX XXXX  XXXX. XXXX also indicated that XXXX XXXX office would immediately remove this inaccurate debt from the collections agency and my credit report. 

In XX/XX/XXXX, I began receiving inaccurate collection notices from a different collection agency, Armor Systems ( XXXX ). I explained to Armor Systems that the collections attempt is in error and that the debt is not owed by me. Armor Systems agreed to contact XXXX XXXX office on my behalf to resolve the matter. However, when I contacted XXXX XXXX office about the same, they responded on XX/XX/XXXX and refused to release the {$40.00} amount from collections. 

This is the third time that XXXX XXXX office has wrongfully filed an inaccurate balance with a collection agency, and because of this, it has had a negative impact on my credit score. ( XXXX XXXX 's office has also incorrectly stated that I visited their office on XX/XX/XXXX, a visit that never occured. ) I am deeply concerned that XXXX XXXX office may be in violation of federal consumer protection laws, such as 15 USC 1692f 807 of the Fair Debt Collections Practices Act. XXXX XXXX office may also be in violation of consumer protection laws in the State of Illinois, such as the Collection Agency Act, 225 ILCS 425/9.7, which empowers the Attorney General of Illinois to enforce fraudulent collection attempts. 

I am urging federal and state consumer protection officials to immediately investigate and resolve this matter, and to investigate and resolve any similar attempts by XXXX XXXX office to collect on fraudulent debts from other patients. 

I have attached evidence documenting the series of events outlined above. I look forward to a prompt resolution of this matter, including the immediate removal of this fraudulent claim from my credit report and from Armor Systems account in my name.

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 non-monetary relief