Complaint Review: Clark County Collection Service LLC - Las Vegas Nevada

This company and the council representing them should be in prison for extortion. 

My story:

I received a call from the Clark County Collection Service regarding a medical debt that was "possibly mine" from 2013. I advised them they would need to send me proof of the medical debt so I can inquire with my previous medical provider (Cigna) as I have had Anthem for the past 5 years. They told me they could not do that and that the debt was mine. They started to provide some information about a procedure I had with a previous medical office. I advised them that the debt was paid in full and to send me a copy of the invoice. They would not do that. I called them several times and each time asking if they could fax or email it to me and they said no. I deceided to make a trip to the office. They still wouldnt give it to me or show me even in person. They said I could ask for a 30 day extension (via email) and that I could contact my bank or the medical office to prove it was paid. I tried to explain to them that they are required by law to provide proof the debt is mine.

I mean how do I even know what I am looking for? I couldnt contact my bank because I didnt know when it was paid or the amount. All they said was I owed $335.00. I inquired with Cigna who said all but $167 was paid so I figured it must not be this debt. 

They granted me 30 days to try and find out what I was looking for. I was obviosly not successful due to the fact that it was a needle in a haystack. I had no amount that matched. I had no proof of the debt. I tried over the phone several times again with no luck. 

I decided that I should file a complaint with the CFPB (Consumer Financial Protection Bureau) and the BBB (Better Business Bureau) due to the fact that they have failed to provide proof of the debt. We are protected by law by the US Fair Debt Collection Act and they are required by law to provide this documentation. They have failed to do so. I moved forward with my complaint. 2 days later I received a written email from CFPB that they had responded. Guess what I got in the mail 5 days later? All the documentation I needed. I immediately called Cigna and had them send me my claims for the previous years. 

I called Clark County Collection Agency back and asked how the amount was. They told me $900 + now. I said I thought it was $235? The documents showed I owed $335. They said they had to hire a lawyer and file with the court.

The documentation that was sent to me also had an "Affadavit of Due Diligence" that they had try to serve me the Justice Court documents. I had gone away for Christmas (they attempted to serve my residence on 12-22, 12-23 and 12-24 and because I wasnt home during the holidays they considered my "not living in the state"

This is the scam. They don't provide you any documentation so you either have to pay blindly or they sue you. If they sue you (which is what they really want) the fee can triple the amount owed or even more. They use an "in house"  lawyer so they can say they had to hire council. 

They have filed their complaint. I have filed my reponse to their complaint and paid the $71 to file it. This company is full of extortionists so please beware.