Complaint Review: Capital Accounts

The last few weeks I have been contacted by Capital Accounts regarding a debt that I was not aware about. I am not one to not pay my bills so when I was reached by a collection agency I was clearly shocked. In the time that I have dealt with Capital accounts the agency has done nothing short of violate my rights as a consumer with harassing calls (including two by place of employment without authorization) as well as threating me.

I have tried to resolve this matter as best as could and have not gotten any pertain able information regarding my debt. The dental office that my debt was with said they had sent me several bills which I had never gotten. At the time of the services, I issued my own personal check for about $500 or $600 to pay some of the bill and the remainder the dental office was going to put it through insurance company to see what they would cover and she would sent me a bill if there was a balance. However, no bill was issued to me and during that time I moved. Apparently I never received the bill that was mailed to me and the dental office said that it is not in their practice to call people regarding bills.

The dental office then forwarded the bill to Capital Account. The first couple of calls were very vague. No information was given and I asked to see a copy of the bill and charges. Nothing was mailed to me nor emailed so I called the dental office directly which is where they said the amount was $650.  I then called back Capital Accounts and spoke to a woman by the name of Ms. Hampton who said she would get back to me with some information.  She called me back on 06/21/2012 and said that the amount I owed was $1101.50 (almost double the originally bill) but that they would take $980 if I paid immediately and they would expunge it from my credit. I was very confused how they can just factor numbers so I asked her to send me something in writing pertaining to the charges. Nothing was emailed to me. On 06/25/2012, less than 2 business days after I talked to Ms. Hampton I received a call at my place of employment during work hours. I did not authorize this in any way and could have jeopardized my job. She proceeded to tell me I have until 06/27/2012 to pay this bill or the deal was off. I asked her just to please email me something in writing and break down of what I owe and she responded she did. SHE DID NOT. I check my email every day and nothing was sent. I provided her with another email.

I did receive the email. It was a 3 sentence paragraph that said you owe 1101.50, we will take 980 and expunge it off your credit, please pay by 06/29/2012. That is an improper way to collect a debt. I needed a break down of the charges, the prior bill from the dentist and any other pertaining info. I tried to respond to the email but it was not an open email address. I called back Capital Accounts and Ms. Hampton said they did not give out their emails because they are not permitted to get incoming emails. Made no sense. So I asked for a fax. I faxed a letter stating am I not refusing to pay but that under the Fair Debt Collections Practice I was entitled to information concerning my debt, simple things to protect me as a consumer. I asked to know what the debt was for, how they calculated what I owed, any papers and bills pertaining to the debt.