Capio Partners Health Care is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Capio Partners ?
Capio Partners , LLC is a third-party debt collection agency based in Texas that specializes in collecting delinquent healthcare bills. Capio has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as using false or misleading information in an effort to collect a debt and failing to provide written verification of debts. If Capio has contacted you about past due collection items, make sure you understand your rights before you respond.
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Is Capio Partners a scam?
They’re legit. According to the Better Business Bureau (BBB), Capio Partners, LLC was founded and incorporated in January 2008. The BBB established a profile page for Capio in June 2008. The BBB lists Capio Partners as a collection agency and business service. Buzzfile estimates Capio Partners’ annual revenue at $3 million and the size of its headquarters staff at 25 employees.
According to its website, Capio “represents decades of experience in healthcare, finance, technology, and customer service.” Capio states that “compassion is what sets them apart and enables them to meet the ever-changing needs of… clients and their patients.”
Capio trademarked the term “Complaintless Collections™” and provides financial rewards to account agents who maintain clean records. Nevertheless, the business has accrued a solid history of consumer complaints.
Who does Capio Partners collect for?
Capio Partners works exclusively with hospitals and other healthcare service providers. Capio is not only a debt collector but also a debt purchaser. Capio is “the largest purchaser of healthcare receivables in the country and offers healthcare providers immediate cash acceleration after accounts have been designated as bad debt.”
Capio utilizes a “patient-focused culture,” with a“core business dedicated to helping patients resolve their healthcare accounts.” Capio uses expertise “in consumer finance and the patient revenue cycle” and innovation to transform “the patient financial journey” using “best-in-class” technology, patient education, and a “commitment to consumer finance regulations, technology, and industry compliance.”
The Capio website does not provide a lot of detailed information about their business practices. Instead, the focus is on how Capio’s debt purchasing capability can provide financial benefits to medical and healthcare providers, including “turning unpaid, dormant accounts into a new, consistent revenue stream” and providing “accelerated cash flow at any point after accounts have been written off to bad debt.” Capio offers their clients additional benefits, including never reselling accounts, “no legal action taken against patients, guaranteed exclusive buy-back rights, and a contract opt-out clause.”
Capio Partners states that it is “100% government compliant” with Medicare insurance billing regulations, accelerated cost reporting, and 501(r) regulations. However, their Resources page is directed exclusively at clients, and their website does not provide any links or references to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Capio Partners ?
As of November 2019, the BBB has closed 382 complaints against Capio Partners in the preceding 3 years, with 229 complaints closed in the previous 12 months. Most of those complaints cited problems with billing and collections, although several complaints also cited problems with customer service and sales.As of July 2013, the Consumer Financial Protection Bureau (CFPB) has closed 685 complaints involving Capio. Justia lists at least 12 cases of civil litigation involving Capio.
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Capio 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!
In 2017, a proposed class action claimed Capio Partners, LLC violated federal debt collection and telemarketing laws by using an automatic phone dialing system to place non-emergency calls to consumers in attempts to collect on alleged debts. Filed in Florida, the complaint says the defendant, “the largest healthcare asset manager in the country,” made numerous calls to the plaintiff’s cell phone in an effort to collect on a debt despite being informed by the man that he was not the intended recipient of the calls.
Although the details of most of the complaints on the BBB’s profile page for Capio Partners are unavailable for public viewing, many complaints cite problems resulting from disputes about the accuracy of information reported to the credit reporting agencies and allegations of rude and overly aggressive collection staff. In October 2019, a complainant stated that Capio had “falsely reported a collection account” on his credit report. According to the complainant, Capio had reported to the credit reporting agencies that he had an outstanding collection account with them. However, the complainant stated that he had “not received any communication from them nor from the original creditor,” a radiology lab. He said he had not been contacted either by phone, mail, or email, and that he only “found out about this account because he was in the process of obtaining a mortgage.” The complainant stated that Capio had reported an outstanding debt of over $500.00, but he did not understand “how something can be reported as a collection account without even being given proper proof that an account is indeed his responsibility” in the first place. In addition, the complainant stated that “according to his credit report, this collection account was opened in August 2019 and reported to the credit reporting agencies in October 2019,” which meant that there had been “absolutely no communication from Capio at all.” He alleged that Capio Partners was liable for reporting false, derogatory information to the credit reporting agencies” without complying with the legal requirements of the FDCPA or the Fair Credit Reporting Act. In its response, Capio stated that “in light of…the complaint, the account has been closed, credit reporting agencies notified to delete any relevant trade lines, and that Capio will make no further attempts to contact the complainant regarding this account.”
In October 2019, a complainant stated that she had “been mistreated on the phone and had had her credit report checked without her permission.” According to the complainant, she had “received a… past due bill from Capio” for over $7,000.00 for medical bills that she said she “had been paying monthly directly to the hospital.” She said she had “called right away to see if she could work out payment arrangements. Unfortunately, the Capio representative was one of the rudest, most disrespectful persons she had ever spoken with.” She said she had offered to make payment arrangements of $100 per month, but the Capio representative told her that she “needed to either pay $6,000.00 immediately or make 6 monthly payments of $1,200.00 each, … or she would have her credit score greatly affected.” She said she could not afford payments of that size. In response, the Capio representative “put her on hold, did a check of her credit, … then …told her that …he knew she had any number of credit cards that she could use to make the payments.” The complainant said she was shocked that Capio would suggest putting the debt on a credit card and felt she shouldn’t “be penalized because she has credit.” She asked whether Capio “would …have worked out a more reasonable payment plan” if she “had not had any cards with credit available.” She said that the Capio representative “simply continued to threaten her credit score if she didn’t give him a credit card,” and that she “felt bullied, patronized, and that this is a very shady way to do business.”
Also, in 2017, a proposed class action claimed Capio Partners, LLC violated federal debt collection and telemarketing laws by using an automatic phone dialing system to place non-emergency calls to consumers in attempts to collect on alleged debts. Filed in Florida, the complaint said the defendant, “the largest healthcare asset manager in the country,” made numerous calls to the plaintiff’s cell phone in an effort to collect on a debt despite being informed by the man that he was not the intended recipient of the calls.
Capio Partners Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Consumers have reported this agency harassing them from the following numbers:
Can I sue Capio for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
“I could not believe it when my boss called me to his office and explained that he had been getting calls from collection agencies. OMG, I was so ashamed! Allow me to tell you how happy I am that I found you. Not only did you guys get the set calls to stop but you made them pay ME for calling my job. Seriously, I can’t thank you enough!”
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.