Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BCA Financial Services, Inc.
State: NJ

Complaint narrative:
Debt Collector : BCA Financial Services , Inc . 
Debts Attempted to Collect : {$300.00} and {$30.00} Total Amount : {$330.00} Issue : Failure to validate debt and violation of Fair Debt Collection Practices Act DETAILED DESCRIPTION OF EVENTS I received debt collection letters from BCA Financial Services , Inc. regarding two medical debts ( {$300.00} and for {$30.00} ) that I believe were already paid in full to the original medical provider. 

Initial Dispute and Validation Request : On XX/XX/year>, I sent a comprehensive debt validation request to BCA via email, disputing both debts and requesting complete validation pursuant to 15 U.S.C. 1692g and New Jersey state law. I specifically requested : ( 1 ) identification of original creditor, ( 2 ) copy of original bill, ( 3 ) complete accounting including all payments made, ( 4 ) documentation of BCA 's legal authority to collect, ( 5 ) proof of New Jersey debt collection licensure, ( 6 ) verification of statute of limitations compliance, ( 7 ) last billing statements from original creditor, and ( 8 ) confirmation regarding credit reporting status.

Partial Response from BCA : BCA responded via regular mail with partial documentation that included the original medical bills and accounting information, but failed to provide : ( 1 ) assignment agreements showing legal authority to collect, ( 2 ) proof of New Jersey licensure, ( 3 ) statute of limitations verification, ( 4 ) last billing statements from original creditor, and ( 5 ) credit reporting confirmation. BCA stated they were not a credit reporting data furnisher. 

Follow-Up Validation Demand : On XXXX, XXXX, XXXX, I sent a follow-up letter acknowledging the partial response but demanding the missing required documentation. I noted that BCA 's response was incomplete under both federal and New Jersey law and reiterated that collection activities must cease until complete validation is provided.

BCA 's Inadequate Response : BCA responded by email attempting to minimize their validation obligations by citing XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), claiming they only needed to confirm debt amounts with the creditor. They acknowledged my dispute but did not provide the outstanding documentation I requested, particularly proof of legal authority to collect and New Jersey licensure. 

Final Validation Demand : On XX/XX/year>, I sent a final verification demand letter via email, citing the New Jersey Fair Debt Collection Practices Act ( XXXX. XXXX et seq. ) and reiterating my request for : ( XXXX ) assignment agreements, ( XXXX ) New Jersey licensure proof, ( XXXX ) statute of limitations verification, and ( XXXX ) last billing statements. I maintained that the debts were previously paid in full and gave BCA 14 days to respond with complete validation.

BCA 's Violation - Complete Failure to Respond : As of XX/XX/year> ( 22 days later ), BCA Financial Services has completely failed to respond to my final validation demand sent on XX/XX/year>. Under 15 U.S.C. 1692g ( b ), debt collectors must " cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt ... and a copy of such verification... is mailed to the consumer. '' BCA 's failure to provide validation while continuing to claim these debts constitutes a clear violation of the Fair Debt Collection Practices Act. 

Actions Taken : Throughout this process, I have : ( 1 ) consistently disputed these debts in writing, ( 2 ) provided clear legal requests for validation, ( 3 ) given BCA multiple opportunities to comply with federal and state law, ( 4 ) documented all correspondence with delivery confirmations and timestamps, ( 5 ) maintained that these debts were previously paid to the original creditor.

Relief Requested : I request that the CFPB : ( 1 ) investigate BCA Financial Services ' violations of the FDCPA, ( 2 ) require BCA to cease all collection activities on these disputed and unvalidated debts, ( 3 ) require BCA to provide written confirmation that these debts are discharged, ( 4 ) ensure BCA complies with debt validation requirements under federal law, and ( 5 ) take appropriate enforcement action for BCA 's repeated failures to properly validate disputed debts.

Supporting Documentation : I have preserved all correspondence, email delivery confirmations, timestamps, and documentation related to this matter as evidence of BCA 's violations of federal debt collection law.

Company response to consumer: Closed with explanation