Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I had a legitimate medical debt of {$570.00}, to XXXX XXXX XXXX XXXX. The initial debt was in the thousands, but Ive been consistently paying it down with XXXX, so I NEVER got any correspondence or anything regarding collections. In fact, I still got a statement from XXXX in XXXX, long after Id been receiving collections calls for months, not having a clue as to why, because they never identified themselves. WHY CONTINUE TO SEND STATEMENTS IF IM IN COLLECTIONS? It gave me the impression that my account was still open and in good standing as long as I continued to pay. Also, when I make payments, I ALWAYS call and speak to someone in the business office and NOT ONCE did they mention collections. Consequently, I didnt realize what was going on until last month when I got a credit bureau alert and saw Bull City Financial alongside XXXX. Once I finally realized who and what it was after months of escalating harassment I contacted a law office who handles this stuff and was told to call the company, with the lawyer on the line, and tell them to stop calling XXXX and XXXX. This call was made on XX/XX/year>. They slowed for a week or so but never stopped. Every time I redial the unlisted numbers they call from, I get a fast busy or out of order, from a phone that just called. They call and leave messages where they dont say anything, just to harass and make you have to unnecessarily check them. One day they left 34 such messages. They just left a message this morning XX/XX/year> from XXXX XXXX am and belched, and thats not the first time. Since XX/XX/year> Ive gotten 4 voicemails that are obviously bogus claiming to be my insurance company, XXXX, and requesting I call them back on the specific number they left the message or use a PIN that they provided. I called XXXX on a verified number and they said it wasnt them. One of the four calls was back to back and was about my XXXX. I had a XXXX XXXX  recently. I think someone at XXXX is leaking my private info, but either way how do the collectors know my insurance company and that Im on XXXX? These folks arent trying to collect, theyre trying to harass. I have all four calls saved, from XX/XX/year>, XX/XX/year>, & XX/XX/year> if needed. I also received a mocking voice mail from XXXX which is a direct line with voice from a XXXX XXXX around XX/XX/year> after I made a {$300.00} payment to XXXX. Then another mocking voice mail on XX/XX/year> after I made a {$200.00} payment, but not from the same number. I think they realized they messed up when I was able to get that XXXX number and voice mail and havent slipped up like that since, yet. Bottom line, Ive been paying, and never had a problem paying. I paid what I could because Im still getting XXXX  and preparing to go back to work, and if XXXX needed more all they had to do was say so ALL THE TIMES I CALLED IN PREVIOUSLY!!! All this harassment is unnecessary, unacceptable, and CRIMINAL, I know for a fact because I used to work in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX way more than {$570.00}, and we NEVER behaved like this, because wed be XXXX XXXX XXXX XXXX I still owe {$70.00} which I intend to pay the hospital, but I want Bull City Financial to pay for their criminal behavior.

Company response to consumer: Closed with explanation