703-921-2264

"Mathew" called from 703-921-2258  and said:  "This is a message for (first name, last name).  If you are not  (first name only) please hang up and disconnect.  If you are  (first name only) please continue to listen to this message.  There will now be a brief 3 second pause in this message. (1/4 sec. pause made)  By continuing to listen to this message you (unintelligibull) that you are (first name only).    (first name only) you should not listen to this message so that other individuals may hear this as this message does contain personal and private information. There will now be a brief 3 second pause in this message in which to allow you to listen to this message in private.  (1.5 sec pause). This is Mathew calling from Suburban Credit Corporation this communication is from a debt collector.  This is an attempt too collect a debt by a debt collector and any information obtained is only used for that purpose.   Please contact me at 703-921-2264."

1) Mathew was called back and was asked to verify the debt.  He verbally gave a "small debt" amount which he alleged was still owed for a legitimate (and larger) debt amount which had been paid in full to a legitimate service provider awhile ago.  He was asked to validate the debt by mailing proof of it in hardcopy paper.   He then argued that proof had already been sent multiple times and then later refused to send any further paperwork again (after first saying that his 'computer terminal screenshot copy' would be mailed out).  He was told that he was breaking federal law if he refuses to send anything out by mail and also that his alleged 'previous mailings' (by alleged other parties) were never received.  He then got a huffy and said that he knows the "Fair Debt Collection" law and then hung up!  This is unprofessional and illegal conduct by a legitimate debt collector.  

2) The patients's Dr's billing company's hospital, verbally fingered by "Mathew" was then called.  They said that no debt was owed.  There was a small amount owed  awhile ago but insurance had paid it off and it was a higher amount than what "Mathew" had said was owed.  This makes "Mathew" and Suburban Credit look like SCAMMERS.

3)The Dr's billing company (not hospital) 800 number was then called.  The phone operator began to ask for all kinds of personal information.  The operator was interrupted and told they needed to send hardcopy paperwork to validate the bill in accordance with federal law and that all they needed was a name and address which was given to him.  (They tried to get SSN and birthdate and account number.).  The operator attempted to hinder and obstruct and had to be brought back on topic.  He was asked when he would mail out the paperwork verifying the bill.  He refused to do so unless a phone number was given (after name and address were already given).  (If he was truely working with Suburban Credit he would have given this information to them already.  So this reply was flagged as Suspicious and Shady).  Since he was acting like a scammer no phone number was gvien and he was asked to put his supervisor on the phone.  He gave another phone number to his "supervisor".  He still refused to mail out the legally required debt validation and verification copy too.

4) The "Supervisor" was called (240-) and was just as hindering and obstructing and scammy sounding.  In an earlier phone call he said the amount owed ( a higher amount which the hospital said was already paid was still owed.)  He was now asked to mail hardcopy paperwork verifying the debt.   He was also asked if they hired "Surburban Credit Corporation".  He said that they did hire Suburban Credit Corp but refused to give their street address.  (Why not?)  He then attempted to siderail the call by focusing on getting more patient information (other than just the name and address).  He was told that Surburban Credit Corporation was violating Federal Law and the purpose of the call was to get their address (for presumed follow on action).  He refused to give their address multiple times.  He then claimed that the amount owed was now zeroed out and that nothing was now owed !!!  Wow- does that sound SCAMMY or what?  He was continued to be pressed for the address of Suburban Credit Corporation and refused to give it.  He used tactics like interrupting and repeating back things said and asking for more information on the patient.  The patient's name was given four or five times to no avail.  He obviously was highly skilled (he thought) in evading answering the questions.  His motive was to stall out and misdirect the conversation with various tricks and to evade answering the question about the address of "Suburban Credit Corporation".  What was he afraid of ?  Why not answer a simple question if you are legitimate?

5) Since the "supervisor" changed his story and then said the debt was no longer owed (and was different from the smaller sum Surburban Credit claimed) it's very clear that this is strong evidence of a SCAM and SHAM operation.  What appears to be happening is that somehow insiders or hackers working inside a legitimate group of Dr's 'debt collector' operation are calling up real patients and 'bluffing' and 'tricking' them into paying the same (former) debt (or a smaller amount) all over again.  Those 'fooled-into-paying-twice' second payments are not likely landing in the original creditor's bank account.

So this operation appears to be fraud on a wide scale involving at least 3 individuals or more using what appears to be legitimate business fronts.  Somehow they are accessing real patient information and then using it in an attempt to sucker the victim into paying a legitimate old debt (or a smaller amount) again but paid to their address instead.

No legitmate debt collectors would act like this when collecting a debt from an informed 'victim'.  When you press them for more legitimately asked and simple information and they 'fold up quicker than a $2 suit case' odds are you are dealing with a bunch of brazen scammers.

Hold onto your wallets and hold your 'personal information' tight.  If No "debt verification" is sent by regular mail then "no payment will be made (again)" (on what appears to be a fraudulent 'double billing' operation for already paid bills.).

They are also operating across state lines too.   (And don't be fooled by what sounds like a professional sounding "call tree" on the 800 number too -obtained when "Mathew" verbally identified an (old-and-already-fully-paid) creditor).  If it sounds like BullSh*t then it probably is!

(C. Blvd. Germantown, MD 20874)