Complaints

This profile includes complaints for State Collection Service, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  State Collection Service, Inc.

  2509 S Stoughton Rd Madison, WI 53716-3314

  
• 

  State Collection Service, Inc.

  PO Box 6250 Madison, WI 53716-0250

  
• 

  State Collection Service, Inc.

  628 North St Geneva, IL 60134-1356

• 

  State Collection Service, Inc.

  600 Henry Ave Ste 21 Beloit, WI 53511

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:09/19/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My insurance stopped contracting with ************************** in late 2021. My daughter sees a specialist for an autoimmune disorder and we arranged to have a telemedicine visit with her doctor at BCoM on March 4, 2022, knowing we would cash pay. The doctor herself told us that the fee wouldn't be too much more than our copay cost ($80). Our telemedicine visit was billed at over $436. I paid our $80 and requested that they reduce the bill to reflect the brief telemedicine visit. They failed to do so. They are now hounding my daughter, who was 18 at the time of services, by turning her over to a credit collection company who is calling her, showing up on caller ID as SCSI, ************. I have requested them to stop calling her and to share the information with me, as I am on her account with BCoM as the co-gaurantor, but they are choosing to hound a now 19 year old about it.

  

  Business Response

  Date: 09/29/2022

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Complainant.  By way of background medical provider (Creditor) had listed one account with our company. 
  
  The account listed on September 9, 2022, in the amount of $356.00 for a date of service of March 4, 2022, provided to an adult patient.  On or about September 12, 2022, we mailed to patients attention our standard first notice, said notice advised patient of her right to dispute the validity of the debt within thirty-days of receiving that notice.
  
  Upon receiving this complaint, we reached out to Creditor regarding Complainants issue with insurance and Creditor has responded by affirming that the debt is due and owing as patient responsibility.  Please note that Creditor maintains ownership of the account and we were merely acting as collector in collection of the debt.  The account in question was never reported to the credit reporting agencies by our company.  The patient contracting for the medical service in question is an adult and therefore afforded protection under federal collection regulations.  In particular we are bound by the Fair Debt Collection Practices Act when attempting to collect the debt from the adult patient and require authorization from adult patient to speak to other third parties regarding said debt regardless of who holds the health insurance provided to Creditor at time of service.
  
  On September 27, 2022, we processed check number ***** in the amount of $356.00, which paid the account in question in full.  Our company and Creditor do thank the payor for that payment.  The account balance is zero and at this time there are no other accounts listed with our company for patient.  Thank you.

• Initial Complaint

  Date:09/17/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a bill from state collection on September 1, 2022. The claim is that I owe $329.72 to Trihealth for services from 10/29/21. I spoke with state collection a few months ago, and they told me my balance was 0 because of financial aid I received through Trihealth. This bill seems invalid, and I don't think I owe anything to Trihealth.

  

  Business Response

  Date: 09/27/2022

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background medical provider (Creditor) has one active account listed with our company. 
  
  The account listed on June 17, 2022, in the amount original amount of $1,348.60 for dates of service of October 27, 2021, through October 29,2021.  On or about June 18, 2022, we mailed to Consumers attention our standard first notice, said notice advised Consumer of her right to dispute the validity of the debt within thirty-days of receiving that notice.
  
  On July 11, 2022, Consumer contacted our company to advise that she has applied for financial assistance (FA) with Creditor regarding the account at issue in this complaint and further stated she did receive an email from Creditor regarding FA approval.  On July 22, 2022, Creditor took back the principal balance of $1,348.60 from our company to review the account and administer FA.  On July 27, 2022, we spoke to Consumer who wanted to confirm that the account in question was no longer listed with our company,and we advised the account was removed and we show a zero balance in collections at this time.  On August 23, 2022, the Creditor re-instated the account in question with a FA adjusted balance owed of $329.72.  On or about September 1, 2022,we mailed notice to Consumer regarding the account in question with offer to settle.  On September 10, 2022, we received a phone call from Consumer who advised that she wants to contact Creditor to confirm the debt is due and owing before paying.  On September 12, 2022, Consumer contacted us to advise that she spoke to Creditor and the account in question has a zero balance and we advised Consumer that we show that the balance of $329.72 is due and owing.
  
  Upon receiving this complaint, we reached out to Creditor regarding Consumers complaint and Creditor has responded by affirming that the debt is due and owing as patient responsibility for $329.72.  Creditor also provided us with the itemized statement.  Please note that Creditor maintains ownership of the account and we are merely acting as collector in collection of the debt.  This account has not been reported to the credit reporting agencies by our company.
  
  On September 26, 2022, we placed in the mail a copy of the Creditors itemized statement directly to Consumer, at the address appearing on this complaint, showing adjustments and payments by insurance, and FA charity adjustment prior to the accounts second placement with our company.  Thank you.

• Initial Complaint

  Date:09/15/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Between 2019-2021 we had bills for our daughter ****** (especially for dermatology) due to a cyst growing in her cheek. We were on several payment plans (for her bills as well as my wife's bills for cancer treatment) and were very careful to pay them all off, fulfilling all of our billing obligations.Imagine our shock when on 7/19/22 we received a bill for $471.11 from the *********************. The bill was dated 6/11/20 and had no explanation other than "dermatology" and had in red "PAY IMMEDIATELY" and "OVERDUE." I called the *************** immediately to find out 1) What was this bill for, specifically and 2) Why would we receive the bill now, two+ years later? I was told they'd pull the records and send an itemized bill. In August I called again. I was told that billing had requested it from Childrens Specialty and would request it again. *The very next day, however, we got a letter from State Collection Service letting us know we were in collections! HOW could they send us to collections when we simply asked for proof of the bill and why we're receiving it NOW (a patient's right!) I called State Collection immediately, explained we are waiting for an itemized bill and explained that this is an open case and our credit should not be in jeopardy simply because we asked for proof of this 2-year old bill (again, we paid all previous bills and met all obligations. If we hadn't, we would have been sent to collections back then or heard something sooner!) State Collection assured me that it was understood, not to worry. "The case was so new" a note would be made regarding this information for our file. Next, the week of 8/29/22 I received a bill from the ***************, "Final Notice." We called and explained-we are STILL awaiting an itemization. If we truly owe the money, we'll pay, but we deserve answers.

  

  Business Response

  Date: 09/23/2022

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background medical provider (Creditor) had listed two accounts with our company. 
  
  The two-accounts listed on June 28, 2022, in the amount of $412.96 and $58.15 respectively for a date of service of June 11, 2020.  On or about July 1, 2022, we delivered to Consumers attention our standard first notice, said notice advised Consumer of the right to dispute the validity of the debts within thirty-days of receiving that notice.  
  
  On July 19, 2022, we received a phone call from Consumers wife who advised the debts are disputed directly with Creditor and advised our company that the debts are disputed.  Upon receiving that dispute, we placed the accounts on hold and contacted the Creditor regarding Consumers dispute and requested verification of debts from Creditor.  On September 8, 2022, we received a call from Consumers wife reiterating the debts are disputed and no verification of debts documentation has been sent to Consumer at this time.  We advised that on July 19, 2022, we placed the account on hold and requested the itemized statements from the Creditor and we are still waiting for Creditor to send us the verification of debts information.  On September 13, 2022, the Creditor contacted our company and notified us to close and return the two accounts to Creditor.  As advised by Creditor we closed and returned the accounts to Creditor on September 13, 2022.
  
  Upon receiving this complaint, we reached out to Creditor regarding Consumers complaint and Creditor affirmed the accounts are closed out of collections and to remove the accounts from credit reporting.  On September 20, 2022, we placed in the mail to Consumers attention, to the address appearing on this complaint, a letter advising the account balances are closed out of collections and have been removed from Consumers credit file.  Please note that Creditor maintains ownership of the accounts and we are merely acting as collector in collection of the debts.  Thank you.

  Customer Answer

  Date: 09/26/2022

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

  Yes, you can close this complaint as it is now resolved, thanks to the BBB's help and quick attention to this matter. We are grateful to BBB for the assistance.

  
  Regards,
  
  *****************************

  
  

• Initial Complaint

  Date:08/19/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am being placed in collections under a different address and different phone number. This is fraud and they are refusing to remove. The information is not correct yet they say it is. I spoke to multicare in Auburn about this. They don't have the correct information either.

  

  Business Response

  Date: 08/30/2022

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background medical provider (Creditor) had listed one account with our company. 
  
  The account listed on January 14, 2022, in the amount of $630.00 for a date of service of November 20, 2020.  On or about January 17, 2022, we mailed to Consumers attention our standard first notice to the address provided by Creditor.  Said notice advised Consumer of his right to dispute the validity of the debt within thirty-days of receiving that notice.  We did not receive a request for verification of debt within that thirty-day period.  
  
  Upon receiving this complaint, we reached out to Creditor regarding Consumers complaint issues and Creditor has instructed us to return the account to Creditor.  We carried out Creditors instruction and returned the account to Creditor on August 26,2022.  Please note that Creditor maintains ownership of the account and we were merely acting as collector in collection of the debt.  We have also requested removal of the account from Consumers credit file.  Thank you.

  Customer Answer

  Date: 09/06/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [Please type your response here.]
  
  Regards,
  
  ***************************

  Customer Answer

  Date: 09/07/2022

  The credit they are collecting on was taken out on fraud. This company is in violation of federal law.

• Initial Complaint

  Date:08/18/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I found this company is currently reporting a, Charged Off/Collection/ to all three credit bureaus, I sent a letter to this company certified mail requesting a signed copy of any contract or agreement of any kind that I entered into with this company. In response to my request, they violated Hipaa Laws by sending me a detailed copy of, medical procedures, preformed tests, and treatments, without any Medical Release of information forms signed by me giving them any type of authority to compromise my personal, private medical information for any reason. furthermore, they are and have been in violation of my rights under the Fair Credit Reporting Act that states clearly,15 ********** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions

  

  Business Response

  Date: 08/29/2022

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background medical provider (Creditor) has listed one account with our company. 
  
  The account listed on September 14, 2020, in the original amount of $4,121.90 for a date of service of April 2, 2020.  On or about September 16, 2020, we mailed to Consumers attention our standard first notice, said notice advised Consumer of his right to dispute the validity of the debt within thirty-days of receiving that notice.  We did not receive a request for verification of debt within that thirty-day period.  
  
  Upon receiving this complaint, we reached out to Creditor regarding Consumers complaint and Creditor has responded by affirming that the debt is due and owing as patient responsibility.  Creditor provided medical services to Consumer during an emergency room visit to the hospital.  Please note that Creditor maintains ownership of the account and we are merely acting as collector in collection of the debt.  As we work through this complaint, we have requested removal of the account reporting to the credit reporting agencies (CRAs).  Be advised that Creditor is the one who holds the option to authorize our company to report the account to the CRAs.  The allegation of improper use of the credit report is unfounded.
  
  Prior to receiving this complaint, we received a letter of dispute from Consumer dated July 13, 2022, and on July 29, 2022, we responded to that dispute by providing verification of debt by itemized statement provided by the Creditor.  Please note that to verify a debt under the Fair Debt Collection Practices Act a Creditor and/or their collection representative need only provide an itemized statement.  Since Creditor places medical debts with our company for collections we have a ******************* Agreement (***) with Creditor.  Under the **************** Portability and Accountability Act and the *** Creditor is allowed to share protected health information with our company in order to accomplish collection activities.  Thank you.

  Customer Answer

  Date: 08/29/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

  This company did remove the account from my consumer file, however I feel my personal, private medical information has been compromised by this company, reference the letter submitted as evidence of HIPAA Violation. I never signed any medical release of information with this company nor did I ever give them authorization to disclose the information. 
  
  [Please type your response here.]
  
  Regards,
  
  ***********************

  

  Business Response

  Date: 09/06/2022

  As we understand Consumers reply to our response to Consumers complaint issue, Consumer reaffirms the allegation of compromising his protected health information (PHI) when we mailed verification of debt to him.
  
  As previously stated in our initial response the medical provider (Creditor) places medical debts with our company for collections and we have a ******************* Agreement (***) with Creditor.  Under the **************** Portability and Accountability Act (HIPAA) and the *** Creditor is allowed to share PHI with our company in order to accomplish collection activities.  See 45 C.F.R. 164.502(e)(2) (2014) which allows medical providers the ability to use third-party collection agencies.  In addition, The Privacy Rule allows a medical provider to share PHI with a business associate such as a debt collector,because the Privacy Rule expressly permits the disclosure of PHI for treatment,payment, or health care operations.  The allegation of a HIPAA violation is unfounded.  Thank you.

  Customer Answer

  Date: 09/06/2022

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. Under the conditions that, this company commits to contacting TransUnion and advises them to  permanently remove this account from my consumer profile, also commits to send a confirmation letter to me by mail that states this account is closed and deleted. I will consider this matter resolved at the time I review my consumer report and it reflects the deletion. Thank you for your time and your rapid and respectful response to this matter. God Bless.  
  
  Regards,
  
  ***********************
  

  

  Business Response

  Date: 09/16/2022

  As we understand Consumers latest reply to our most recent response to Consumers complaint issue, Consumer has concerns regarding the account that was reporting to his credit file at the direction and authorization of the Creditor to whom the debt in question is owed.  We are confused by Consumers concerns regarding credit reporting because the reply from Consumer on August 29, 2022, states, ************ did remove the account from my consumer file.
  
  Consumers latest statement is also requesting a letter from our company confirming the account is closed and deleted.  To reiterate our company does not own the account or debt in question.  That is owned by the Creditor.  We have returned the account to Creditor and closed our file on this matter and requested removal of the account from the credit reporting agencies (CRAs).  On September 15, 2022, we mailed a letter to Consumer, to the address appearing on this complaint, advising that this matter is closed, and a request has been made to the CRAs to remove the account in question from Consumers credit file.  Thank you.

• Initial Complaint

  Date:08/11/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under *** ****g, delete this within 15 days.STATE COLLS Account #******** Bal:$9,097.00

  

  Business Response

  Date: 08/12/2022

  This complaint appears to be the same as BBB #******** that we previously responded to.  Also, on August 9, 2022, the BBB closed said complaint because they had not heard back from the Consumer.  Nevertheless, we are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer once again on this matter. 
  
  By way of background medical provider (Creditor) has listed one account with our company for collections.  The account listed on July 6, 2021, in the amount of $9,097.00 for a medical date of service of August 15, 2020.  On or about July 12, 2021, we delivered to Consumers attention our standard first notice, said notice advised Consumer of his right to dispute the validity of the debt within thirty-days of receiving that notice.  We did not receive a request for verification of debt within that thirty-day period nor at any other time until receiving BBB complaint #********.  
  
  Upon receiving this complaint, we confirmed we have ceased collection activity on the account in question.  Also, as previously explained in our response to BBB complaint #********, we reached out to Creditor regarding Consumers complaint and Creditor has responded by affirming that the debt is due and owing as patient responsibility.  Consumer has attached to this complaint a copy of his passport and social security card and that personally identifiable information matches the information Creditor has on file for the account in question.  Please note that Creditor maintains ownership of the account and we were merely acting as collector in collection of the debt.  As previously stated in our response to BBB complaint #********, we sent a request to the credit reporting agencies to remove the account from Consumers credit report.  Thank you.

• Initial Complaint

  Date:07/28/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  UPMC SOLD INFORMATION TO STATE COLLECTION SERVICE WHICH ANYTHING DEALING WITH MEDICAL SHOULD HAVE MY APPROVAL IN REGARDS TO ANOTHER COMPANY THAT I HAVE NO IDEA WHO IT IS HAVING THE COMMUNICATION ABOUT ANYTHING FROM MY MEDICAL VISITS. I DID NOT GIVE ANY AUTHORIZATION FOR ANY THIRD PARTIES

  

  Business Response

  Date: 08/08/2022

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background medical provider (Creditor) has two active accounts listed with our company. 
  
  The first account listed on February 13, 2022, in the amount of $35.00 for a date of service of September 14, 2021.  On or about February 18, 2022, we mailed to Consumers attention our standard first notice, said notice advised Consumer of her right to dispute the validity of the debt within thirty-days of receiving that notice.  The address we have on file matches the address on Consumers complaint.  We did not receive a request for verification of debt within that thirty-day period.  
  
  The second account listed on July 11, 2022, in the amount of $50.00 for a date of service of December 16, 2021.  On or about July 19, 2022, we mailed to Consumers attention our standard first notice, said notice advised Consumer of her right to dispute the validity of the debt within thirty-days of receiving that notice.
  
  Upon receiving this complaint, we reached out to Creditor regarding Consumers complaint and Creditor has responded by affirming that the debts are due and owing as patient responsibility.  Creditor also provided us with itemized statements.  Please note that Creditor maintains ownership of the accounts and we are merely acting as collector in collection of the debts.  These accounts have not been reported to the credit reporting agencies by our company.
  
  Since Creditor places medical debts with our agency for collections we have a ******************* Agreement (***) with Creditor.  Under the **************** Portability and Accountability Act and the *** Creditor is allowed to share protected health information with our company in order to accomplish collection activities.  Thank you.

• Initial Complaint

  Date:07/28/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.STATE COLLS ACCT #:5924****BAL.$100.00 Under the Fair Credit Reporting Act, 15 U.S.C. ****g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  

  Business Response

  Date: 08/08/2022

  This complaint appears to be the same as BBB #******** that we responded to previously.  Nevertheless,we are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer once again on this matter.  By way of background medical provider (Creditor) has listed one account with our company for collections 
  
  The account listed on August 30, 2020, in the amount of $100.00 for a date of service of February 8, 2020.  On or about September 3, 2020, we delivered to Consumers attention our standard first notice, said notice advised Consumer of her right to dispute the validity of the debt within thirty-days of receiving that notice.  We did not receive a request for verification of debt within that thirty-day period.  
  
  Upon receiving this complaint, we reached out to Creditor regarding Consumers complaint and Creditor has responded by affirming that the debt is due and owing as patient responsibility.  Please note that Creditor maintains ownership of the account and we are merely acting as collector in collection of the debt.  Creditor has authorized us to report the account to the credit reporting agencies (CRAs).  As a courtesy to Consumer, we have requested removal of the account from the CRAs.  To reiterate Creditor is the one who authorizes our agency to report accounts to the CRAs.  Lastly, nothing is fraudulent about reporting legitimate consumer debts to the CRAs.  Thank you.