Medical Business Bureau or MBB is a third-party collection agency that specializes exclusively in healthcare collections. MBB has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as failing to verify debts and attempting to collect debts not owed. If you have been contacted by MBB, understand your rights before taking action.
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According to the Better Business Bureau (BBB), Medical Business Bureau is a legitimate collection agency, founded in 1932. The BBB established MBB’s profile page in 1997. Buzzfile estimates MBB’s annual revenue at $1.8million.
According to its website, “Medical Business Bureau is focused 100% on the healthcare industry and… provides professional and cost-effective revenue recovery solutions for hospitals, physicians, medical practices, billing companies, and other healthcare related specialties.” MBB cites its strength in adapting to the dramatic changes in the medical profession since its inception, enabled by its primary goal of providing “strategic value to…clients through professional customer service and best-in-class revenue cycle management services.”
All of MBB’s clients are from the healthcare industry. Their collection staff provides early out services; insurance follow-up; credit balance follow-up; hospital revenue cycle management; physician practice solutions; accounts receivable “wind-downs” or “clean-ups”; and other outsourcing services such as insurance pre-screening, payment reminders, and post-treatment follow-up.
MBB’s Compliance page indicates that when the Health Information Portability and Accountability Act (HIPAA) was initially implemented, Medical Business Bureau “did the research and produced their own HIPAA agreements.” Their Consumer Resources page offers to help consumers understand “why a specific service was rendered or why…insurance did not pay what they thought it should have paid,” but it does not contain any links or references to consumer protection laws, agencies, or resources relating to debt collection.
The BBB has closed 66 complaints against Medical Business Bureau in the past three years, with 20 closed in the past twelve months. The majority of complaints allege problems with billing and collections; however, almost half indicate problems with advertising and sales. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has received 46 complaints about MBB. Justia lists at least 7 cases of civil litigation naming Medical Business Bureau as a defendant.
Medical Business Bureau, LLC
1460 Renaissance Drive, Suite 400
Park Ridge, IL 60068
Telephone: (800) 438-8146
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely MBB 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 Medical Business Bureau frequently cite problems resulting from inaccurate reports of delinquencies to the credit reporting agencies and confusion about verification of debts. For example, in July 2017, a complainant indicated that MBB had reported a delinquency on his credit report that did not belong to him. The complainant indicated the bill should have been sent to his father, who has the same first and last name, but a different middle initial. After contacting MBB, the complainant reported that the MBB representative told him, “We don’t contact the credit bureaus for things like this.” The complainant insisted that because it was MBB’s error, they were responsible for correcting it, but the representative responded that the complainant would have to contact the credit reporting agencies and request that they contact Medical Business Bureau. In response, MBB claimed not to have made a mistake, insisting that “the credit bureaus…placed it on the wrong person’s file and we cannot request deletion as we do not have an account for the wrong individual.” Furthermore, they insisted that they “cannot delete something from someone’s credit… if we do not have any account for that person. Just having a name, which is the same as the account we have will not be enough information. The consumer needs to contact the credit bureaus as they are the entities that have placed it on the wrong file.”
In June 2017, a complainant indicated a negative item had been placed on his credit report, but he had never been contacted about any delinquent accounts. He claimed that the bill in question had apparently been sent to collections 2 ½ years previously, but he was only finding out about it at the time of the complaint via an inaccurate report through the credit reporting agencies. He insisted further that he believed his medical insurance should have paid for it, but may have failed to bill correctly. He requested a valid claim with itemized billing and denied responsibility for interest charges as a result of MBB’s failure to contact him. In response, Medical Business Bureau indicated the bill had actually already been paid and that they had requested the information be removed from his credit report.
The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) enforce consumer protection laws. The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are two federal laws that help regulate the collections industry. The FDCPA prohibits actions such as threatening to take actions that cannot legally be taken or using false or misleading language 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 is an important part of holding collection agencies accountable for their actions. Seeking legal assistance can help you 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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