HCI Healthcare Collections , LLC (HCI) is a third-party collection agency based in Arizona that specializes in healthcare collections. HCI has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as attempting to collect debts not owed. If you have been contacted by HCI, make sure you understand your rights before responding.
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According to the Better Business Bureau (BBB), HCI Healthcare Collections, LLC was is a legitimate collection agency incorporated in 2003; however, the BBB indicates HCI’s profile page was established in 1995. HCI is listed as a collection agency that uses the alternate business names, Healthcare Collections-I, LLC and Healthcare Receivables Management.
According to its website, HCI Healthcare Collections “is one of the largest healthcare recovery agencies in the Southwest and is poised to become one of the largest in the country.” HCI utilizes “an extensive employee training program, strategic planning, client consultation, goal setting, analysis, implementation, and problem solving” in an effort to maintain patient relationships and achieve better recovery results.
HCI’s collections division offers “experienced healthcare recovery agents, fully trained on FDCPA and HIPAA; bilingual recovery agents; competitive fees; customized reporting; electronic file placements and payment; leading-edge technology; and the ability to accept second placements.” In addition, HCI offers consulting services, extended business office services, and insurance claims management.
HCI’s website cites extensive regulatory compliance policies. HCI is certified by the Professional Practices Management System (PPMS), which is designed to ensure “policies, procedures, and work processes that ensure regulatory compliance and adherence to industry best practices.” In addition, HCI employees are “trained and certified on their knowledge of the FDCPA, FCRA, TCPA, HIPAA and the emerging CFPB rules.”
HCI Healthcare Collections stresses its belief that “every person has worth as an individual… and that every person should be treated with dignity and respect,” and requires its employees to “be professional and ethical and commit to honoring this pledge.” However, their website does not contain any links or references to consumer protection resources, laws, or enforcement agencies.
The BBB has closed 26 complaints against HCI Healthcare Collections in the past three years, with 12 closed in the past 12 months. Almost all of those complaints allege problems with billing and collections. Since July 2017, the Consumer Financial Protection Bureau (CFPB) has received 1 complaint about HCI. Justia lists at least 6 cases of civil litigation involving HCI.
HCI Healthcare Collections, LLC
2224 W. Northern Ave.
Phoenix, AZ 85021
Telephone: (800) 219-3101
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely HCI would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases
Complaints against HCI Healthcare Collections commonly allege problems resulting from inaccurate reports of credit information to the credit reporting agencies. In January 2016, a complainant indicated that HCI incorrectly reported a delinquency. The complainant indicated that she first discovered the collection item when reviewing her credit report and contacted them to find out why she had not been notified earlier. She indicated that the agent said he could “only verify a name, and social security number.” The complainant objected, indicating her belief that collection agencies have to make an effort to contact the consumer before reporting the delinquency, then “pleaded with them to delete it.” Allegedly, she “tried to negotiate the debt amount” but after they “refused…she finally broke down and agreed to pay them.” She concluded by indicating that although HCI was “quick to put this on her credit report,” they have been slow to update the status of the items after payment. In response, HCI indicated that they received the complainant’s settlement requests but were unable to accept her terms “per their client’s guidelines.” They also indicated “that once the accounts are paid in full they will report them as ‘Paid’ to all three credit bureaus…. but they will not be returning these accounts to the original creditor nor will we delete them from your credit.”
In May 2017, a complainant indicated he had been notified by HCI Healthcare Collections of a delinquent bill from a healthcare provider. The complainant indicated that her insurance should have covered the costs, but that she had not heard back from them after contacting them about payment. Neither had she received additional notification from HCI prior to their reporting the item to the credit reporting agencies. The complainant discovered the delinquency while applying for a home mortgage loan, and she contacted HCI to ask whether they would delete the item if she paid the balance in full. After asking to speak to a supervisor, she was allegedly “transferred around 2-3 times to other representatives who had a nonchalant attitude and were very combative…and was then transferred to a supervisor who told her he couldn’t help…even after she explained…the circumstances… The supervisor stated her account wasn’t eligible for deletion and then hung up.” In response, HCI indicated that the complainant had “stated there was an insurance issue but…as of 5/12/2017 this account is still an open collection account,” concluding that, “once the account is paid, as required HCI will report… this account as a paid collections account.”
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are federal laws that regulate the collections industry. The FDCPA prohibits actions such as using tactics intended to harass, oppress, or annoy consumers. 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 are enforced by federal agencies such as the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The complaints above illustrate why it is important to understand your rights and responsibilities under these laws when you are attempting to communicate with collection agencies.
In addition, these laws 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. Seek legal assistance if you are trying to resolve 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 receiving 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.
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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 NOW.
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