Capio Partners on Your Credit Report? Fight Back and Win

If your phone has been on silent since Capio Partners, LLC started calling, you're not alone. As far as debt collectors go, they're a particularly aggressive outfit -- and getting them to stop calling can feel downright impossible. We're here to tell you that it isn't, and the best way to do it is by knowing your rights and enforcing them. 

 Keep reading for the low down on what Capio Partners is and how you can successfully handle your next interaction with them.

What Does Capio Partners Do? 

Capio Partners, LLC is a Texas-based debt collection agency with headquarters based in Sherman. Capio has been collecting on medical debts for over 20 years, and the firm has grown to become one of the largest healthcare debt collectors in the United States. They specialize in purchasing unpaid medical debts from healthcare providers, and then trying to collect payment on those amounts owed. 

• Phone Number: (903) 892-7400 
• Address: 3400 Texoma Pkwy #100, Sherman, TX 75090 
• Website: https://www.capiopartners.com/ 
• Better Business Bureau Rating: 1/5 

While Capio Partners can be aggressive when it comes to debt collection, they are a legitimate debt collection agency and not directly a scam -- however, that doesn't make them immune from using illegal tactics to collect on debts, and it's important for consumers to know their rights if this happens. 

Is Capio Partners a Legitimate Company? 

Although they’re legally allowed to collect debts, Capio Partners has earned a reputation for poor service, shady business practices, and a general disregard for consumer rights. The company currently has a 1 out of 5 score from the Better Business Bureau (BBB), and the agency has received over 500 complaints in the last three years.  

There are also over 1,000 complaints against them in the Consumer Financial Protection Bureau (CFPB) database, and they have an average rating on Google reviews is only 1.3 stars out of 91 reviews -- so, it's safe to say that customers are pretty dissatisfied with their services.  

The most common complaints from people who have dealt with Capio Partners include reports of rude employees -- who often provide false information about debts -- and who harass and intimidate them with collection efforts for debts that have already been settled.  

Additionally, many people have reported threats from Capio's representatives and those acting on their behalf including threatening letters, phone calls multiple times a day, attempts to make contact at unreasonable hours such as early morning or late evening, and even threats of legal action if payment was not made immediately.

Not only are these actions immensely frustrating, many of them are in direct violation of The Fair Debt Collection Practices Act (FDCPA).

Why Am I Getting Phone Calls from Capio Partners?

If you live in Texas, you may be pursued by Capio Partners or West Central Taxes Collection Bureau, two of the largest collectors in the state. If they are running you through the wringer you about a debt, you more than likely have an account that’s gone into collections. However, collectors have been known to make mistakes about who owes the debt as well as the actual amount owed. These can usually be attributed to the following factors: 

• Debts that have been paid in full

These include any past due balances, late payment fees, or penalties that have been paid off completely.

• Debts not belonging to you

If debts are reported as being yours but they're actually owned by someone else, it is important to dispute and get them removed from your credit report.

• Accounts opened without your permission

If a fraudulent account is opened under your name, be sure to contact the relevant financial institution and dispute the charge.

• Falsely reported debt

If a debt has been reported as late or unpaid even though you have already settled it, reach out to the creditor and request that they correct the inaccurate information. 

If one of these factors applies to your situation, it’s best to get in contact with Fair Credit as soon as possible. Our firm will review your case for no charge. We handle disputes on your behalf and ensure errors get taken off your report.

Who Does Capio Partners Collect For? 

Capio Partners works almost exclusively with companies in the healthcare industry. Under the Biden-Harris administration, new regulations have been put in place restricting the collections activities for those who are dealing with medical debt, including limits on when this debt can appear in credit reports. If you owe Capio Partners money on a medical debt, it’s best to work with an attorney who can walk you through your rights under new laws and regulations. 

What Can I Do If I’m Being Harassed by Capio Partners?  

One of the most common ways debt collectors violate the rights of consumers is by contacting them about debts that are not theirs -- this practice is especially rampant in cases where a company has sold its debt to another agency.  

In these situations, the new collector may contact a consumer who had no prior knowledge of or connection to the original debt, and this type of harassment is patently illegal -- consumers have a right to know exactly which debts they owe and who is asking them to pay back this money.  

Additional violations of your rights a consumer include the following: 

• Harassing or abusive conduct towards consumers, such as using profane language, threatening violence or harm, and making repeated phone calls with the intent to annoy or abuse.
• Misrepresenting the character, amount, or legal status of any debt in attempt to collect on it.
• Publishing the consumer's name on a "bad debt" list or otherwise disclosing details about their debts to third parties without consent from the consumer.
• Falsely implying that they are attorneys or government representatives when attempting to collect a debt.
• Making false statements about the consequences for not paying a debt, such as threats of arrest and/or legal action which cannot be legally taken by them.
• Attempting to collect interest, fees, and other charges not permitted under the FDCPA regulations or allowed by a court ruling in the consumer’s jurisdiction.
• Contacting consumers at inappropriate times (before 8am and after 9pm according to local time) or at inconvenient places (such as at their place of employment).
• Refusing to provide verification of a debt when requested by the consumer in writing within 30 days of first contact about that particular debt. 

If Capio Partners is violating your rights as a consumer then you should take action immediately The most effective way to about this is by filing a counterclaim against Capio, which could result in compensation on your part depending on how successful you are at proving your claim in court. As with any civil litigation, proceedings are best mediated with the assistance of an attorney.

Contact Us for Your Free Case Review

At Fair Credit, we understand how important financial security is – and we believe everyone should have access to solid advice without paying an arm and a leg for it! That’s why we offer our services completely free of charge – no hidden fees or fine print. So don’t wait; take back control over your finances by reaching out today for a free case review with one of our experienced advisors!