ComplaintsforAlpine Credit Inc

• Initial Complaint

  08/04/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I just received a hit on my credit score by this company. I have tried multiple times to see what the debt that they say I have is for but have not provided explanations and I haven't been given a way to pay or even mail with details of the debt that they say I have. I just want to know how much I owe, what I owe it for and to clear any credit hits since I don't know why they are even trying to collect, they have not call me and have made no attempts to collect but yet I am supposed to know that I need to pay and are hitting my credit report? Please send me a **** with an itemized explanation of the charges, clear my credit report issue and will certainly pay anything that might be owed. My perfect credit just got ruined by the incompetency of this company to properly follow up with people.

  Business response

  08/10/2022

  We were assigned an account for collection on this consumer in November 2021, for services from June 2021. Proper notice of the assignment was mailed to the consumer to the same address noted in this complaint on 11/19/2021, and was not returned. We left a voice mail message for him 12/21/2021, which he returned leaving a voice mail message for us 12/23/2021. We returned his call the same day leaving another voice mail message, but have not heard from him since. Our client has since advised us they have resubmitted the claim to his health insurance, however we do not have the results of that yet and I would expect the claim to be denied as being beyond timely filing limits for this carrier.  The account was not first credit reported until February 2022. We will inquiry of our client for an update the the claim status now. If the consumer had returned our call again or otherwise communicated with us prior to February 2022, it is likely this would not have been reported. However absent any such communication, we have no other avenue to pursue in these matters.

  Customer response

  08/10/2022

   
  Complaint: 17668589
  
  I am rejecting this response because: The information they had about my first and last name was wrong, the only interaction I had with them was after the first credit inquiry hit and I had to somehow find who they had my info wrong and to resubmit after I was hit with it. I don't have any problem paying, but as I told them before I did not receive the letters in time due to them having my name wrong. I wanted them to fix this with the insurance since the claim to the insurance had been submitted wrong and my information needed fixing. It is not my fault they wrote my name wrong on the claim or that this correspondence did not reach me as they are stating here. Please get in contact with me, fix my name, resubmit to insurance and if I still owe something on that point I will gladly pay since I have no problem doing that. Yet they chose to hit my credit, when they don't even have my name properly written which is why the claim likely failed in the first place and it said that I owed money. 
  
  Please get in touch, I want this solved and I have no problem paying the amount if that is what it takes but you need to fix my name and resend me that info so I can pay. A bit hard to do without having that info right? 
  
  Sincerely,
  
  *********************************

• Initial Complaint

  08/03/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Alpine Credit Inc dba Allegiant Collects is falsely including medical bills from Radiology Imaging of ******** and Medical Imaging of ******** that i do not owe. All bills should have been paid by my insurance company and or ******** from 2019 through current year. I have disputed these items on my credit reports, Experian, TransUnion, and Equifax every 60 days however, they never remove them, never provide evidence of the outstanding balance to my email, and only TransUnion has removed them pepermanently. I want Alpine Credit Inc dba Allegiant Collects to do their due diligence and provide the documentation to the email address provided to them. I have also provided this email to them in separate letter. According to the new law as I understand it, all medical bills/accounts were to be remove if under a $100 however, Alpine Credit Inc dba Allegiant Collects adds interest so that the outstanding balance is over $100. I currently live in a hotel because my credit score and these derogatory accounts are impacting my credit. Last week, I had 3 accounts on my Experian and Equifax credit reports as of today Alpine Credit Inc has added two more account from what year I don't know because all should have been paid by insurance. This is a blatant misuse of the Fair Credit Act and impactful to my health and well-being. Please help me stop this misuse and if at all possible, have them removed from my credit reports.It's said I can contact the ************************* on my credit reports, however it does not provide a web address, email, physical address, or phone number where to file. I don't want to keep living here under false reporting and accounts from Alpine Credit Inc dba Allegiant Collects.

  Business response

  08/10/2022

  We have been assigned a total of 9 accounts against this consumer between June 2018 and August 2019. Each account appears to be the remaining patient balance after insurance. We have sent proper notice of each assignment to the consumer, with none but 2 being returned as undeliverable. We have previously investigated and responded as required to each dispute. We have also just on 7/30/2022 mailed her the validation of debt documents on each account. The consumer is quite incorrect in her claim that medical debts under $100 are not to appear on credit reports. No such law, rule or policy currently exists. We continue to report the accurate status of each debt assigned us as allowed. The consumer has never communicated with us or provided us with any information to substantiate or investigate her claims. The balances remain due as reported and we intend to continue our collection activity as appropriate and allowed. 

• Initial Complaint

  07/29/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I received a letter from this Collections ******* in July 2022, asking for payment of $87.57, for a **** that was issued to me from **************************** in the amount of $85.20 which I had received in March 2022. I initially was unsure If I had paid the original **** so made a payment to the *******'s (Alpine Credit) online payment system. I then found that I HAD originally paid the original ****, and so requested that Alpine cancel the payment I had made, which they did. I also Emailed *********************** (Alpine Credit CEO - Email *********************************************** the same day with the documentation showing I had made the payment in March 2022. Today (July 29th) I received further paperwork from Alpine Credit stating the debt was valid, and that I now owe $87.89. I called up Alpine and was told that the debt was valid and that they were still doing research on it, despite the proof I provided showing the debt was paid Well before being sent to a collections agency, Attached is: A PDF of the receipt from the payment made on March 23 from Instamed, A copy of my bank statement for the month showing the payment coming from my account, The Original ****, with the notation I made stating I paid the **** on 3/23, and copies of the letters and "validation document" from Alpine Credit, showing the "debt" is still due, despite having been in receipt of the documentation since July 6th. As I have paid the ****, I would like confirmation that the "debt" is not valid and will not be reported to any credit bureaus. I would like this in writing from Alpine Credit, so that I may close this matter out. As a Cancer patient, this kind of issue can be very stressful and can affect my physical well-being, as it is causing considerable stress to me personally.

  Business response

  08/10/2022

  In short - The consumer paid the assigned account to us 7/06/2022, then requested a refund the same day. We reversed the payment transaction on 7/06/2022 and investigated his claim of an earlier payment with our client. Our client advised us the payment the consumer made was via a third party application called "instamed", and that our client had never received the funds from instamed and that the consumer should research further with instamed as to where is payment funds were. We then mailed the consumer with the validation of debt documents provided by our client. The consumer then tendered another payment to us via our web portal. In response to this dispute, we are now mailing him a print out showing the debt is paid in full.

  Customer response

  08/10/2022

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  06/16/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I have noticed a collections account on my credit report from the company. I know that is for a **** from an imaging company. However, I only ever received one **** from the imaging company and then was immediately placed into collections. I have never received any statements from this company about the amount owed or even the ability to pay it.

  Business response

  06/20/2022

  This account was assigned to us for collection 8/09/2021. Our standard validation notice was mailed to the consumer, to the same address she provided herein on 8/136/2021. It was not returned as undeliverable. Our client typically would have sent no less than 2 statements to the consumer, and again to the same address provided. We telephoned and left a voice mail message for the consumer on the same telephone number she provides herein on 9/20/2021. The call was never returned. The account was first reported to the credit bureaus with our 10/29/2021 batch file. This complaint is the first we have heard from this consumer. Perhaps she would like to try contacting us to discuss the matter, rather than just simply filing complaints. The balance appears to be simply the left over patient portion - deductible or co-insurance after her insurance processed the claims. She likely has an explanation of benefits from her insurance carrier showing the balance due as such.

  Customer response

  06/20/2022

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. I would appreciate if another letter was sent to me with the account number and amount owed so that I may pay this off.
  
  Sincerely,
  
  *******************************

• Initial Complaint

  06/08/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In March of 2022, I spoke with a rep and she said I could settle on my account. The amount spoken about was $220.00. At the time I did not have the money. I called back in April of 2022 and spoke with a rude rep that would not take the settlement that was offered to me. I wrote a letter to Apline Credit on 04/29/22 and gave them 30 days to respond to the letter. I have received NO response. Due to the lack of integrity, rudeness, and lack of action on their part. I want the debt paid for by the company. They rather mess with my credit than settle on debt.Please help

  Business response

  06/09/2022

  This account was assigned to us for collection in January 2021. Proper notice of the assignment was mailed to the consumer to the same address as noted in this complaint. The consumer telephoned our office 2/4/2022 and offered to settle the account for only $150.00. We rejected her offer and advised her the balance due at that time was $400.66. The consumer was upset that we would not agree to discount or settle the debt for less than the true balance due and the call was ended. The consumer next telephoned us on 4/29/2022, this time offering to settle the account for $200.00. Again we rejected her offer and tried to explain to her that we do not discount the debts assigned us. She said that she wouldn't pay then and hung up. We next received a letter from her on 5/04/2022, offering to settle the account again this time for $202.00. It went on to say that if we refuse, she would "take this money and pay off another debt." We did not read her correspondence to require a response since we will not agree to her terms.

  Contrary to her claim, we never did and never would have agreed to settle this account for anywhere near the amounts she claims. Perhaps she has us confused with another creditor, but it is now and always has been our policy to not discount the debts assigned us. I realize that some other agencies do compromise the debts in collection - most often in the cases of a debt buyer agency, however that is not our business nor our policy to do so. The balance due in this case is the amount due our client, the original creditor, plus statutory interest. We will not discount the debt. She may pay it in full, make a payment plan on the balance due, or not - it's her choice. 

  Customer response

  06/09/2022

   
  Complaint: 17334695
  
  I am rejecting this response because: please read the attached letter.  It doesnt say if they refuse my offer.  I stated it was warred **** for 30 days or I will pay off another debt.  It is past 30 from the lettered response and no response from the collection agency.   I was offered a settlement and they are lying.   I will not pay a vest that they can prove is mine.  I have asked for proof and was told that I can look up the debt myself.   If they are looking for any money from then take me to court.  The judge will throw this out for poor collection practices.  And also for. It responding to the letter I sent.  Please have them send me the original **** as proof of this debt.   
  
  Sincerely,
  
  *************************

  Business response

  06/13/2022

  Consumer was notified of this debts assignment to us and her right to dispute and or request validation clear back on 1/26/2021. Consumer first spoke with us about this debt 2/04/2022. Not only did she not dispute or request validation of the debt at that time, but she specifically said that she knew what the debt was for and just wanted to settle it for something less than the full balance due. She also did not dispute or request validation of the debt in either of her previous communications prior to this follow up. Her request now is not timely so we are under no requirement to provide such at this time. We have investigated the account and properly marked it as disputed now with ***********. We have nothing further to add.

  Customer response

  06/15/2022

   
  Complaint: 17334695
  
  I am rejecting this response because:  They are lying.  I have asked for verification of the debt and they told me to verify the debt myself by looking it up on the the original creditor website.  She was rude and said she would not send me verification.   They are lying and refuse to do anything to clear this debt.  I want proof of this debt sent to me not a copy of there computer screen.  The original ****.
  
  Sincerely,
  
  *************************

  Business response

  06/17/2022

  We have nothing to add to our previous response. We dispute the claims and story of this consumer. Our records are clear. She has never disputed this debt or requested any validation or other documentation until this complaint and after our refusal to discount the debt. Tell us why here...

• Initial Complaint

  05/12/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  When pulling a credit report a collection showed up on my report from Alpine Credit, **** I do not know to who I would owe money. I contacted Equifax and obtained how to contact Alpine Credit. I called Alpine Credit on the phone on May 11, 2022. They advised me that they did know who the original money was owed to, other than radiology. Additionally, they had an old address for me, I claimed to have been in contact with me at an address at which I have not lived for 4 years. I advised them that they are required to send me verification that the **** is mine along with the document from the original creditor before I will pay which again she informed me that they did not have.A certified letter has been sent to Alpine Credit Addressing this matter. I feel this is a fraudulent error and I want this removed from the credit bureaus.

  Business response

  05/12/2022

  We have 3 accounts assigned for collection against this consumer. They all were assigned in December 2018 and are for medical services provided in September 2018. Proper notice of the assignments was mailed to the consumer in December 2018 to the address provided by our client. The notices were returned as "Return to Sender" by the postal service. We were not successful in locating a new address or other contact information on him and the accounts were first reported to the credit bureaus in June 2019, and each month since. The consumer should be well aware of this fact since the first credit bureau dispute we received was clear back in August 2019, yet we did not hear from the consumer otherwise until yesterday. These are all simply patient balances after insurance and assuming the address provided was correct for him at the time of service, he should have received statements from our client, as well as an explanation of benefits from his insurance company showing the remaining balances due. As all or our mail is sent with full address service instructions, we can only assume that if the address provided was correct at the time of service, and the consumer moved sometime after, that a proper forwarding address was not provided.

  In any event, now that we have a new mailing address for him by way of this complaint, we are mailing him notices on each of these accounts for him to respond or reply to if he chooses. He previous credit bureau disputes were not request for validation and only form credit repair clinic type investigation demands - which were complied with. Please note that the address provided him apparently by Equifax is not now, nor has it ever been our address. It is also odd that he does not provide a valid account number for these accounts when one, along with the original creditor name should have been provided had he obtained the credit information directly from the credit bureau. It appears that this may have come from some third party vendor such as "credit Karma" who we find notoriously bad in providing accurate information. 

  Tell us why here...

• Initial Complaint

  05/11/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was in the emergency room in mid July of 2021. I paid over 10k in medical bills out of pocket and later I get a collection for $92 dollars and I reported it to the Experian credit agency and they told me I owed the money. The only **** it could be for would be a surprise medical **** that I was under the impression was illegal without my consent. The collection company ALPINE CREDIT INC put on my credit report I owed them $92 on 12/13/2021 but I paid my medical bills well over my max out of pocket because my health insurance didn't cover a few things, this can't be one because I'm unaware of it as I received no initial **** and would like to file a complaint against who referred me to the collection for the surprise billing because that isn't right to do without trying to contact me. So I'm not sure why someone is sending me a collection and how to get it off my credit if they somehow said to Experian that they verified the debt and I owed it without providing me any proof of the amount or who I owed any money to. Now my credit is ruined for 7 years+. I would love to give you more documentation but that's all I've been able to obtain as Experian wouldn't give me any more information.

  Business response

  05/12/2022

  Not sure how this is a complaint against us. Appears to me the consumer seems to think that any balance on any medical **** is a "surprise medical ****", when nothing could be further from the truth. It may be a "surprise" to him that he owes a balance on services provided, but that is not the definition of a "surprise medical ****" under any statute. Fact is that the consumer was properly notified of this debts assignment to us by mail in December 2021. The notice was sent to the same address as noted in this complaint and was not returned. A voice mail message was also left from him in early February 2022 on the same phone number he provides. Our client would have notified him of the balance due likely no less than 2 times by mail prior to assignment, and he likely also would have been notified of the remaining balance due by the explanation of benefits from his own insurance carrier. Prior to this "complaint", we have heard nothing from the consumer, save 2 disputes directly to the credit bureaus. Our contact information is readily available yet the consumer has elected to not communicate with us on this matter. We will not discuss it further in this forum as we see no complaint that would apply to us or our business, however we are happy to discuss with the consumer directly should he wish to communicate with us through normal channel as opposed to simply filing unfounded complaints.

  Customer response

  05/13/2022

   
  Complaint: 17193083
  
  I am rejecting this response because no one can provide me proof I owe anything, I have seen no ****.  I have every medical **** as my stay was in July of 2021 received none for a measly $92 that I didn't pay.  Provide me information that proves I owe the money and I will pay it.  As stated this poorly rated collection company has not contacted me unless it was from a SPAM number and no voice mail was left for me regarding any medical **** by anyone.   I do not have this creditors information and I should not have to prove to them that I received anything because I can't when I have not.  They are clearly lying about this as I wouldn't care about $92 in out of over $10,000 in medical bills.  They say some person "would have" contacted me at least twice before coming to them.  That is not any proof, that is an assumption they cannot back up because it's not true.  If it was they would provide records of all of this.  Provide me the medical ****, I'm not paying money to someone without knowing what I'm paying for.  I always pay my bills and my credit is still excellent with this ridiculous company trying to ruin it because that's all they know how to do.

  
  Sincerely,
  
  *****************************

  Customer response

  05/16/2022

  Alpine Credit, Inc.
  12191 ********** Ste 210
  ******, ** *****

  Business response

  05/19/2022

  Once again - apparently this consumer refuses to communicate with us directly. Our office is right here in ****** ********. Our telephone number is readily available and our normal office hours are Monday-Friday, 8:00 am to 5:00 pm Mountain time. We are pretty easy to get ahold of should anyone actually want to discuss the debt or item from us on their credit report, rather than simply skip all that and go straight to filing these meritless complaints. Furthermore, while the name of our client - the healthcare provider is disclosed to him on his report, as far as we know he has not attempted to communicate with them either. He just seems to insist on filing complaints rather than communicating with either of us. While we do take the time to respond to these unfounded complaints, we will not send documentation or correspondence to the consumer via this forum. There are proper forums and manner of notification or request for validation of debt by a consumer and this is not one of them. Nevertheless, we will consider this as the consumer request for validation, and we will send him the itemization of the debt once received from our client. I can't stress enough how much easier and non-confrontational this all could have been had the consumer simply contacted us directly. I would expect the statement to be mailed out to him with 14 days. Tell us why here...

  Customer response

  05/19/2022

   
  Complaint: 17193083
  
  I am rejecting this response because: I deal with facts not emotions and they have provided no facts.  Here are the ***** which DEBUNKS what they assume my motives are.

          1.  I believe this is the first time I've ever filed a complaint perhaps the second in my lifetime

          2.  I am not just giving money to everyone that asks for it or I'd be penniless.  It's not my job to track them down and give them money, that is their job and they stated they have my address yet I have no mail.  I've been provided no written information stating what I owe money for so I'm just supposed to write a check?  I was was born in the morning but it wasn't yesterday morning.

  4.  It IS a surprise medical **** because insurance was at my out of pocket *** and I provided no consent as well (did they try going through insurance? if rejected perhaps they should know the law insurance abides by for "balancing" a **** aka "surprise")- DEBUNKED AND EXPLAINED BY THE GOVERNMENT -

  As of January 1, 2022, consumers have new billing protections when getting emergency care, non-emergency care from out-of-network providers at in-network facilities, and air ambulance services from out-of-network providers. Through new rules aimed to protect consumers, excessive out-of-pocket costs are restricted, and emergency services must continue to be covered without any prior authorization, and regardless of whether or not a provider or facility is in-network.
  Previously, if consumers had health coverage and got care from an out-of-network provider, their health plan usually wouldn't cover the entire out-of-network cost. This left many with higher costs than if theyd been seen by an in-network provider. This is especially common in an emergency situation, where consumers might not be able to choose the provider. Even if a consumer goes to an in-network hospital, they might get care from out-of-network providers at that facility.
  In many cases, the out-of-network provider could **** consumers for the difference between the charges the provider billed, and the amount paid by the consumers health plan. This is known as balance billing. An unexpected balance **** is called a surprise ****.
  The Consolidated Appropriations Act of 2021 was enacted on December 27, 2020 and contains many provisions to help protect consumers from surprise bills, including the No Surprises Act under title I and Transparency under title II. Learn more about protections for consumers, understanding costs in advance to avoid surprise bills, and what happens when payment disagreements arise after receiving medical care.

          5.  Credit card companies are making changes to their credit reports in July to exclude ***** claims such as this from collectors who operate in this manner because of their immoral, dishonest, unfounded destruction of other peoples' credit reports who don't have excellent credit such as myself.  So I'm not worried about my score, in fact it has only went down for a week and went right back to where it was before this illegal behavior.

  I have every bit of confidence the BBB will make the correct decision and I will leave it in their hands because it is a perfectly legitimate complaint and it should be reflected on them as a business for all to know.

  
  Sincerely,
  
  *****************************

• Initial Complaint

  12/15/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Someone has taken my identity, and now my credit is shot and I owe someone I do not even know

  Business response

  12/16/2021

  Not really sure how to respond to this other than to say I can't tell what the "complaint" is. He alleged identity theft, but does not elaborate or provide any information with which we may investigate. The consumer does not include sufficient information to discern what account or accounts he is referring to, or sufficient identity information to confirm if he is the same person as the person we may or may not have been assigned an account against. We note the address provided in the complaint seems to go to an industrial business location, and not any residence. Furthermore, we note the consumer's desired outcome is for us to not communicate with him. If we are to take that as a "cease communication" demand, again not sure how to respond to this as I do not find that we have ever communicated with anyone by this consumer's name so far. Another example of a consumer that chooses to file a complaint, rather than ever actually discussing the matter or his concerns with the entity he is complaining about. We would be happy to investigate any claims of identity theft or any other dispute should the consumer elect to so engage, but at this time there is nothing more we can do.

  Tell us why here...

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩