ComplaintsforNorth American Credit Services

• Initial Complaint

  10/14/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  They started contacting me about a bill from physical therapy. Back in July 2024 I asked for validation and I asked for very SPECIFIC information to be provided in that validation. I received it in the mail missing 50% of the information I asked for as part of the validation including the purchase agreement to confirm they had a right to collect this debt because it was legally purchased from the original creditor. Many debt agencies collect patient information in data breaches and then try and collect the debt themselves. That is why I wanted the purchase agreement. I reached out again and asked for complete validation. No response. So on Sept 29, 2024 I asked not to be contacted again. On Oct 12 I received another debt collection letter even though they were no longer supposed to contact me. The insane part is I don't actually owe this debt. They are attempting to collect a paid debt.

  

  Business response

  10/24/2024

  Thank you for contacting us.  We have reviewed and researched this complaint.  It was found that the validation information provided was within regulatory requirements.  As to the adjustments made on the accounts, it was found by the original provide of service that the charges were incorrect and adjust our balances accordingly.

  Please contact customer service for further questions and/or to make arrangements to resolve your account at *************** **** ***.  Thank you.

  Customer response

  10/26/2024

  
  Complaint: ********
  
  I am rejecting this response because:  You didn't actually address the complaint.  I don't have a debt to be collected.  I do not owe you, the collection agency, any unpaid balances on debt from any creditor.  You completely ignored that FACT.

  Since your validation was only the bare minimum required, I can return the favor.  I will give you the bare minimum proof that I paid this bill directly to my doctor's office by simply just telling you that is what I did.

  Considering this bill is not a collections debt, you should not have it.  This bill is paid in full.  I do not owe this debt.  Stop trying to collect a nonexistent debt.

  
  Sincerely,
  
  ***** ********

  

  Business response

  11/05/2024

  Your refusal to provide documentation has been noted as well from your communication through the CFPBs complaint process.  We have executed a cease communication for this account.

  Customer response

  11/06/2024

  
  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. It is not my job to make sure the debt they obtained is actually a debt. That is their job. I will not nor do I have to provide them with documentation that they have an actual debt in their possession.  That was a job that should have been done when they got a hold of my information by their employees. When they were notified of it, they should have checked... Not me checking for them. I don't get paid to do their job. Therefore, their cease contact is acceptable. 
  
  Sincerely,
  
  ***** ********

• Initial Complaint

  01/24/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  NACS continues to call me in regards to a $50 hospital debt. They REFUSE to provide me with proof of said debt. I have asked them to email it, mail it, give me info over the phone, etc. They just want to argue and two different reps hung up on me while trying to obtain info on MY account They claim I have/owe. Provide the info!

  

  Business response

  01/25/2024

  We have reviewed and researched the complaint.  We received a dispute from Ms. ******** ********** in Oct 2023.  On 11/01/23 we mailed validation documents to Ms. ********** in regards to the debt.  On 01/23/24, Ms. ********** spoke with a representative in our office and advised that she is filing bankruptcy but refused to provide the bankruptcy information nor her attorney's contact info.  After that call, she called back in to our office and provided her attorney's contact information and then proceeded to yell and curse our employee.  

  We have provided the required documents to validate her dispute.  We consider this complaint, closed.

  Customer response

  01/26/2024

  
  Complaint: ********
  
  I am rejecting this response because: as explained to them repeatedly, I never received anything via mail from them. Both reps I spoke to on the 23rd refused to provide me the info via mail or even give me an account number. Both were combative and argumentive, demanding to know what kind of bankruptcy I was in process of filing. That information isn't any of their business. They received my attorney's full information of which I had zero issue providing them. I said a curse word while speaking to the rep, I did NOT "curse their rep." This business is incredibly unprofessional. When someone returns your call as you asked them to do in a recorded message, and then you refuse to provide them account info or proof of bill, how can they possibly pay you and or resolve the complaint? They can't. You need to provide a billing statement as requested via email or mail whether or not you sent one previously (again, never received), or not. 
  
  Sincerely,
  
  ******** **********

  

  Business response

  02/06/2024

  I have attached the Itemized Bill sent as validation to the consumer on 11/01/23.  We have provided the required documentation previous and have now provided it again.  The account remains open at this time.

  Customer response

  02/07/2024

  
  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.
  
  Sincerely,
  
  ******** **********

• Initial Complaint

  11/27/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company keeps contacting me for a bill that was already paid by a clinic. I sent them the receipt and emails from the clinic and they continue to contact me. They recently threatened me with legal action.

  

  Business response

  12/05/2023

  We have reviewed and researched the complaint. The "estimate" was provided at the date of service. Due to the medical need, additional treatment and charges were applied as a result of the treatment. We have consulted with the provided and they have confirmed the charges are accurate.

• Initial Complaint

  07/17/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Received an UNWANTED phone call from North American Credit regarding my disputed bill from *************; they REFUSE to turn this amount back to ************ in order for me to work DIRECTLY with ************ to set up a payment plan as I have asked for. They REFUSE to Cease and Desist!

  

  Business response

  07/21/2023

  We have reviewed and researched Ms. ********'s complaint.  Ms. ******** has several outstanding balances with our office due to non payment.  The original creditor has placed with our office as such.  Ms. ******** called our office on 07/14/23 and berated our customer service agent and asked to speak to a supervisor.  Unfortunately due to timing, a supervisor was unavailable.  On 07/19/23, the supervisor contacted Ms. ******** back and again berated our employee.  We have marked all accounts that we currently have for Ms. ******** as Cease Communication per her request.  

  At this time Ms. ********'s accounts will remain with our office.  If Ms. ******** would like to make arrangements to pay her accounts, she may contact our office to make a suitable monthly payment plan.  We are happy to work to assist Ms. ******** with the resolution of her accounts.

  Customer response

  07/24/2023

  
  Complaint: ********
  
  I am rejecting this response because:

   

  NOT AN ACCEPTABLE AGREEMENT!  This matter has been referred to the ******* ******** ******* for further handling based on this organization's REFUSAL to cooperate and their poor level of service.  UNDER NO CIRCUMSTANCES WILL I PAY THEM OR ANY THIRD PARTY WHATSOEVER!!!  Yes, they were berated because of their refusal to render me nothing less than their fullest and complete cooperation and I am justified in reacting the way I did.  If they expect an apology from me, that will not take place.
  
  Should this organization disobey and violate the verbal Cease and Desist order I had given, I will not hesitate to pursue legal action against them.

  I expect and DEMAND they cooperate completely with the ******* ******** ********* *******

  It is in their best interests that they govern themselves accordingly.

  ******** ********

• Initial Complaint

  03/14/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I sent a certified letter to NACS in regards to verification and I am still waiting for a respond

  

  Business response

  03/16/2023

  Thank you for contacting us.  We received the dispute from Mr. ****** on 01/23/23.  We mailed Mr. ****** the corresponding validation documents on 02/06/23 to the same address as on this complaint.  If Mr. ****** has further questions or concerns he may contact our collections service department at 1-800-467-5654, x ***.  Thank you.

• Initial Complaint

  02/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In mid-January, I received a letter from North American Credit Services, Inc. saying that my account with ************ ******* ******* was past due and had been placed with them as a collections agency. I had previously set up automatic payments with ******* ******* and therefore believed the letter was in error and wanted more information on the incident. I therefore sent an e-mail to their dispute/complaints e-mail address on January 18th. I received an automatic response and said they would respond and investigate. I never heard anything further so I responded via e-mail on January 23rd. On February 7th, I followed-up again. Then today, I finally paid the amount and sent another e-mail. I paid the amount because I was worried they would send follow-up letters and potentially try to impact my credit score. This type of behavior is unacceptable when they are demanding payment, particularly since I didn't believed it to be in error. More information from the company would have allowed me to have detailed conversations with ****** ******* *******. Instead they never got back to me and made me feel concerned if I didn't pay. I would like this organization to be investigated and have someone from North American Credit Services reach out to me to discuss further. I would also like my credit score to be amended since the alleged lack of payment was not discussed with me.

  

  Business response

  03/03/2023

  Thank you for contacting us.  Your compliant was reviewed and researched.  We do show the account as paid in full at this time.  A letter was mailed to you to confirm for your records.  This account was not placed on your credit report.

• Initial Complaint

  11/28/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Advent Health has sent an unpaid claim to NACS for collection. I have also filed a claim against Advent Health- Claim # ************************************- please refer to that claim for additional information. I have attached all correspondences with both NACS and Adven Health for this collection claim. NACS sent me a letter on 11/9- with an Advent Health Statement balance of $0 - asking for the payment of $2655.75- they claim since Advent Health transferred it to them, I have to pay NACS that amount. The way I read the statement is that Advent Health has forgiven the $2655.75- this should never have been sent to collection in the first place since I was corresponding with Advent Health since January, and they did not reply to my mother's emails as promised. Advent Health sent it to collections prior to contacting me with a solution. I hope you will help me with this claim so I will not be responsible for payment and my credit will not be affected.

  

  Business response

  11/30/2022

  After review of your complaint, the provider determined this balance is remaining as applied to your insurance deductible.  Please contact our customer service at 1-800-467-5654 department to discuss payment options.  Thank you.

• Initial Complaint

  10/24/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I went to a Centra Care and was charged $50 after insurance. I paid in two installments of $25, one in March and one in April. Months later, I received a letter from NACS collections saying I owed $25. I emailed them multiple times showing the proof of payment, but have not received a response.

  

  Business response

  11/07/2022

  Good Afternoon,

  We have reviewed and researched the complaint.  It was found that 2 $25 payments were credited to the account but on 04/02/22, $25 was refunded.  

   

  Please call 1-800-467-5654 to discuss how to resolve the balance with one of our customer service representatives.  Thank you.

  

  Business response

  12/05/2022

  We have now been requested to close the account in our office by the provider's office.  Thank you.  

  Customer response

  12/06/2022

  
  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. I have proven that I was not refunded any money and paid my bill in full. The collections agency has agreed to close the case.
  
  Sincerely,
  
  **** *******

• Initial Complaint

  10/13/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received a collection letter from North American Credit Services dated 9/14/2022 for Advent Health Medical Group of West Florida for the amount of $1,820.60. I asked for validation of this debt and they sent a letter dated 10/6/222 for the amount of $1,259.29. I asked for validation of the debt and I receive a letter with an account summary that is completely different. This letter and the account summary do not have matching totals. I have monthly automatic payments for this account with Advent Health for the amount of $100.00. This payment is taken on the 5th of every month from my American Express Card. I contacted Advent Health and this account was not transferred to their new system and was placed in collections as a result. I contacted Advent Health on 10/13/2022 and was told that this account would be removed from collections. I logged on to my Advent Health Bill Portal today, 10/13/2022, and the amount they have listed is completely different and it does not show any delinquency. It also explains their transition to a new billing system and the errors that may occur.

  

  Business response

  10/17/2022

  Thank you for contacting us.  We have reviewed and researched your complaint.  It was found that you have multiple debts totaling $1,820.60.  The dispute you requested information on was only for the debt totaling $1,259.29.  These debts are not for the hospital but for a Physician/s.

  Please contact our office to discuss any further questions you have with one of our customer services representatives at 1-800-467-5654, ext 399.  Thank you.

  

  Business response

  10/31/2022

  We have provided validation as required by law based on your dispute.  If you have further questions on which accounts you are paying on with the providers billing office versus what accounts we have in collections for you, you may contact our customer service department at 1-800-467-5654, ext. 399.  Thank you.

  Customer response

  10/31/2022

  
  Complaint: ********
  
  I am rejecting this response because: I have not received anything from you other than the original collections letter and your response letter to my validation request. I have asked you for validation for the account number your office provided in the original debt collection letter. I have not received anything in the mail from you regarding all debts associated with the the account number your office provided. Your previous correspondences stated that you had to contact the client to get this information, and you would mail that information to me. What is the status of that? When can I expect to receive that information? And according to the LAW, I have every legal right to ask for complete and full validation of any alleged debt. So please, follow the LAW and provide this information.

   

  
  Sincerely,
  
  ***** ******

• Initial Complaint

  09/01/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received a debt collection bill in the mail 8/31 for a bill I have never missed a payment on. There was no minimum payment when coming from the hospital. I had paid $5.00 every time. I don’t understand why it got sent to a debt collector. I also had tried to dispute the charges anyways.

  

  Business response

  09/01/2022

  We have reviewed your complaint.  Unfortunately we are unable to accept a $5.00 arrangement to hold your account at this time.  At that rate would take over 41 years to pay off your balance.  Please contact our collections department at 800-467-5654 to discuss what options would be available for you.  Thank you.

*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. ↩