- Who is BCA Financial Services?
- BCA Financial Services Complaints?
- BCA Financial Services Lawsuits
- BCA Financial Services Contact
- BCA Financial Services Calling?
- How Do I Stop BCA Financial Services Debt Collection Harassment?
- How Can I Delete BCA Financial Services from My Credit Report?
- How Can I Deal with BCA Financial Services?
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BCA Financial Services, Inc. (BCA) is a third-party collection agency based in Florida. BCA has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failure to verify debts and attempting to collect debts not owed. If you have been contacted by BCA, understand your rights before responding.
According to the Better Business Bureau (BBB), BCA Financial Services was incorporated and started locally in 1956, re-emerging as BCA Financial Services, Inc. in 1994. The BBB established BCA’s profile page in 2001. BCA is listed as a collection agency; unlicensed financial consultant; insurance claims processor; healthcare staffing provider; and medical billing, general billing, and financial services provider. Buzzfile estimates BCA’s annual revenue at $10 million and the size of its headquarters staff at 135 people.
According to its website, BCA began as a collection agency whose revenue “was derived from traditional delinquent account collection services provided to a small but distinguished number of retail and health care clients.” Subsequently, “as the health care industry began undergoing tremendous change, BCA understood the need for providing more than just traditional delinquent account collection services…and began developing a complete outsourcing program for the healthcare industry.”
BCA’s goal “is to employ innovative technology and highly skilled personnel to maximize the return on clients’ accounts receivable investment, consistent with their philosophy and desired public relations image and to develop mutually beneficial partnerships with other organizations.”
BCA Financial Services operates primarily in the healthcare field. Their full-service agency “provides a myriad of receivable management services encompassing all phases of accounts receivable management, including extended business office; delinquent accounts; insurance follow-up programs; denials management; revenue cycle consulting; interim staffing and management; and conversion, backlog, and cleanup projects.”
As for compliance, BCA Financial Services indicates that its “management are engaged in legislative and regulatory activities at the state, federal, and international levels and have held leadership positions in a host of industry associations.” Furthermore, “BCA has been an active member of ACA International for more than 50 years.” However, their site does not provide links or references to consumer protection resources, laws, or enforcement agencies.
The BBB has closed 21 complaints against BCA Financial Services in the past three years, with 9 closed in the past 12 months. All of those complaints allege problems with billing and collections. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has received 14 complaints about BCA. Justia lists at least 15 cases of civil litigation involving BCA.
Absolutely. Here are some Sample Cases against BCA Financial Services Inc.
In February 2012, in the United States District Court of Appeals for the Eleventh Circuit, a judge issued a Decision in a case in which BCA Financial Services had appealed an earlier finding that they had violated certain provisions of the Fair Debt Collection Practices Act (FDCPA). In the initial case, the plaintiff brought three charges against BCA: first, that BCA had failed to provide a written notice within five days of BCA’s initial communication with the plaintiff; second, that a BCA representative who had contacted and spoken with the plaintiff’s former spouse had failed to state that she was “confirming or correcting location information” for the plaintiff; and third, that a BCA representative had falsely stated that the plaintiff’s medical insurance would not cover the outstanding debt. The first charge violated FDCPA Section 1692g(a), which states that “a debt collector ‘within five days after the initial communication with a consumer . . . must send the consumer a written notice’ containing specified information unless that information was already included in the initial communication.” The second charge violated FDCPA Section 1692b(1), which states that “a ‘debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer,’ must… state that he or she ‘is confirming or correcting location information concerning the consumer.’” The third charge violated FDCPA Section 1692e(10), which prohibits the use of “false, deceptive, or misleading representation or means in connection with the collection of any debt.” In the initial case, BCA attempted to use the bona fide error defense, which excuses from liability “a debt collector that can show by a preponderance of the evidence that its violation ‘(1) was not intentional; (2) was a bona fide error; and (3) occurred despite the maintenance of procedures reasonably adapted to avoid any such error.’” The court disagreed with BCA, upheld the plaintiff’s charges, awarding the plaintiff $1,000 in statutory damages.
During the appeal hearing, BCA Financial Services requested that the court revisit its decisions on each of the three counts; reconsider the argument for a bona fide error defense; and lower the amount of the award. Although BCA offered new objections to the court’s initial findings, there was no new evidence, and BCA’s arguments were not substantial enough to overturn the decision. As a result, the plaintiff’s victory over BCA was upheld.
BCA Financial Services, Inc.
18001 Old Cutler Rd., #462
Palmetto Bay, FL 33157
Telephone: (800) 444-1944
Understanding your Debt Collection Rights
The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) enforce consumer protection laws, including the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These two federal laws help regulate the collections industry. The FDCPA prohibits actions such as the use of false or misleading statements in an effort to collect a debt.
The FCRA regulates how collection agencies report information to credit reporting agencies. Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA).
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA.
The case above illustrates how understanding your rights and responsibilities under these laws can help you hold collection agencies legally accountable. Seek legal assistance if you need help resolving a dispute with a collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.
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