Privacy Policy

Financial Corporation of America (“FCOA”) respects your privacy and is committed to protecting it through our compliance with this website privacy policy (“Policy”). Maintaining protection of the information entrusted to our care by our clients and consumers is of the utmost importance to FCOA.

This Policy describes the types of information we may collect from you or that you may provide when you visit our website and our practices for collecting, using, protecting and disclosing that information.

This Policy applies to information we collect:

On our website.
In e-mail, text and other electronic messages between you and our website.

It does not apply to information collected by or through:

Any other means including on any other website operated by any third party; or
Any third party, including through any application or content that may link to or be accessible from, or on, our website.

This Policy outlines our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, you should not use our website. By accessing or using our website, you agree to this Policy. This Policy may change from time to time as set forth in the section of this policy below titled “See Changes to our Website Privacy Policy”. Your continued use of our website after we make changes is deemed to be your acceptance of those changes, so please check the Policy each time you use our website for updates. If you have a disability and want this Privacy Policy Notice provided in an alternative format, please call us as 800 880-8200 and request to speak with our compliance department at extension 2004. You may also email us at [email protected] or write us at:

Financial Corporation of America,
Attention Compliance Department
12515 Research Blvd. Building 2
Austin, Texas 78759.

If you have questions about our Privacy Policy or practices, please call 800-880-8200 and request to speak with our compliance department at extension 2004.

INFORMATION WE COLLECT ABOUT YOU AND HOW WE COLLECT IT

We collect several types of information from and about users of our website, including information:

by which you may be personally identified, including your name, e-mail address, or telephone number (“personal information”);
that is about you but individually does not identify you; and/or
about your internet connection, the equipment you use to access our website and usage details.

We collect this information:

Directly from you when you provide it to us.
Automatically as you navigate through the website. Information collected automatically may include usage details, IP addresses and information collected through other tracking technologies.
From our clients regarding information provided on accounts placed for collection.
From third parties we contract with to provide services on our behalf.
We may also collect information about you offline if your provide it to us by mail, fax, or telephone.

IMPORTANT PRIVACY INFORMATION FOR CONSUMERS

You have the right to control whether we share some of your personal information. Please read the following information carefully.

We will collect the IP Address for internal security and other proprietary purposes. We will do so even if you have included a Do Not Track request. We do not release this data outside of our corporate environment nor utilize this data other than for internal purposes.

FCOA has implemented physical, electronic, and procedural security safeguards to protect against the unauthorized or unlawful release of or access to personal information, including any social security numbers. To further safeguard this information, access to sensitive information such as social security numbers is limited, and our employees must abide by standards of conduct and confidentiality agreements.

REQUESTING ACCESS OR CHANGES TO YOUR INFORMATION

You can make changes to personally identifiable information we collect from you by one of the following methods:

Calling us at 800-880-8200 and speaking with our compliance department at extension 2004.
Emailing us at [email protected].
Writing to us at:Financial Corporation of America
Attention Compliance Department
12515 Research Blvd. Building 2
Austin, Texas 78759.

IMPORTANT INFORMATION REGARDING THE FAIR DEBT COLLECTION PRACTICES ACT

We do not disclose information to any party in violation of the Fair Debt Collection Practices Act.

IMPORTANT INFORMATION REGARDING THE HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996.

We do not disclose information to any party in violation of the Health Insurance Portability And Accountability Act of 1996.

USAGE DETAILS, IP ADDRESSES, COOKIES AND OTHER TECHNOLOGIES

As you navigate through and interact with our website, we may automatically collect certain information about your equipment, browsing actions and patterns, including;

Details of your visits to our website, including traffic data, location data, logs and other communication data and the resources that you access and use on our website.
Information about your computer and internet connection, including your IP address, operating system and browser type.

The information we collect automatically is statistical data and does not identify any individual.

There may be features that are developed in the future that may result in the collection of additional new information.

We do not allow third parties to collect personally identifiable information about a user’s online activities, over time and across different sites, services, and applications, when that user uses our site or service.

HOW WE USE YOUR INFORMATION

We use information that we collect about you or that you provide to us, including any personal information;

To present our website and its contents to you.
To track your access and usage of our website.
To provide you with information or services that you request from us.
To offer and fulfill our core business purposes.
To fulfill any other purpose for which you provide it.
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us or an owner or previous owner of an applicable account, including for billing and collection.
To notify you about changes to our website or any products or services we offer or provide though it.
To allow you to participate in interactive features on our website.
In any other way we may describe when you provide the information.
For any other purpose with your consent.

DISCLOSURE OF YOUR INFORMATION

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect or you provide as described in this Policy:

To contractors, service providers, and other third parties we use to support our business, such as insurers, information source, payment processing, and communication service providers, who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
To fulfill the purpose for which you provide it.
For any other purpose disclosed by us when you provide the information.
With your consent.

We may also disclose your personal information:

To comply with any court order, law or legal process, including to respond to any government or regulatory request.
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of FCOA or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

CHANGES TO OUR PRIVACY POLICY

FCOA may change, add, modify or remove portions of this Policy at any time, which shall become effective immediately upon posting on this page. The date the Policy was last revised is identified at the bottom of the page. It is your responsibility to review this Policy for any changes. By continuing to use our website, you agree to any changes in the Policy.

CONTACT INFORMATION

If you have any questions about our privacy protection practices or believe we have not adhered to this Policy, please contact our compliance department at 800 880-8200 extension 2004 or write to us at;

Financial Corporation of America
Attention: Compliance Department
12515 Research Blvd. Building 2, Ste 200
Austin, Texas 78759

CALIFORNIA RESIDENTS: PRIVACY POLICY NOTICE

This Privacy Policy Notice is intended for California residents pursuant to the California Consumer Privacy Act of 2018 (“CCPA”), and supplements the information contained in the above Privacy Policy. Any terms defined in the CCPA and applicable California Attorney General regulations have the same meaning as used in this Privacy Policy Notice.

INFORMATION WE COLLECT ABOUT YOU

We may collect and use personal information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be directly or indirectly linked, with a consumer, device, or household (“personal information”).

Personal Information does not include:

Publicly available information from government records.
De-identified or aggregated consumer information.
Information excluded from the CCPA’s scope, such as (but not limited to) information governed by the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”), the California Confidentiality of Medical Information Act (“CMIA”), the Fair Credit Reporting Act (“FCRA”), the Gramm-Leach-Bliley Act (“GLBA”), California Financial Information Privacy Act (“FIPA”), and the Driver’s Privacy Protection Act of 1994 (“DPPA”).

We regularly collect (and have collected in the past 12 months) several types of personal information about individuals offline regarding accounts, including: name, DOB, address, gender, account number, previous payment and other financial information, email address, insurance information, records about services or goods purchased, Social Security Number, employment information, telephone number, IP address, military or veteran status, audio information, username, and information collected or shared pursuant to HIPAA, CMIA, FIPA, GLBA, FCRA, DPPA, and/or other applicable privacy laws. We also may collect additional categories of personal information you provide directly to us or our vendors.

HOW YOUR PERSONAL INFORMATION IS COLLECTED

We collect most of this personal information from our clients or from you or your authorized representative by telephone or written communications. However, we may also collect information:

From publicly accessible sources (e.g., property records or court records);
From our vendors (e.g., call analytics, skip-tracing, payment processing, mailing, and other vendors)

WHY WE USE OR DISCLOSE YOUR PERSONAL INFORMATION

We regularly use or disclose personal information for one or more of the following business purposes:

Fulfill the reason you provided the information. For example, if you share your personal information to make a payment, we will use that information to process your payment.
Perform services on behalf of a business or service provider, including maintaining or servicing accounts, providing customer service, processing transactions, verifying customer information, processing payments, providing analytic services, or providing similar services on behalf of the business or service provider.
Provide you with information or services that you request from us.
Auditing related to consumer interactions.
Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.
Debugging to identify and repair errors that impair existing intended functionality.
Short-term, transient use, where the personal information is not disclosed to another third party and is not used to build a profile about a consumer or otherwise alter an individual consumer’s experience outside the current interaction.
Undertaking activities to verify or maintain the quality of a service or device that is owned, made by or for, or controlled by us, and to improve, upgrade, or enhance the service or device that is owned, made by or for, or controlled by us.
Respond to law enforcement requests and as required by applicable law or court order.
As appropriate to protect the rights, property, or safety of us, our clients, or others.
As described to you when collecting your personal information or as otherwise set forth in the CCPA.

We will not collect additional categories of personal information or use the personal information we collected for materially different purposes without providing you notice.

We regularly disclose (and have disclosed in the past 12 months) several types of personal information about individuals for one or more business purposes, including: name, DOB, address, gender, account number, previous payment and other financial information, email address, insurance information, SSN, employment information, telephone number, IP address, military or veteran status, audio information, username, and information collected or shared pursuant to HIPAA, CMIA, FIPA, GLBA, FCRA, DPPA, and/or other applicable privacy laws.

We have not sold and will not sell your personal information under the CCPA.

VERIFIABLE CONSUMER REQUESTS FOR INFORMATION

Upon verification of identity, California residents may in some cases request that a business:

Disclose the categories of personal information the business collected about the consumer;
Disclose the categories of personal information that the business sold about the consumer;
Disclose the categories of personal information that the business disclosed about the consumer for a business purpose;
Disclose the categories of third parties with whom the business shares personal information;
Disclose specific pieces of personal information the business has collected about the consumer;
Disclose any financial incentives offered by the business for collection, sale, or deletion of personal information;
You have a right not to receive discriminatory treatment by a business for your exercise of CCPA privacy rights. A business may charge a different price or rate, or provide a different level or quality of goods or services to you, if that difference is reasonably related to the value provided to you by your personal information.

For applicable personal information access and portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

Please note that we are not required to:

Retain any personal information about you that was collected for a single one-time transaction if, in the ordinary course of business, that information about you is not retained;
Re-identify or otherwise link any data that, in the ordinary course of business, is not maintained in a manner that would be considered personal information;
Provide the requested information disclosure to you more than twice in a 12-month period;
Provide the requested information disclosure if we cannot verify that the person making the request is the person about whom we collected information, or is someone authorized to act on such person’s behalf; or
Provide the requested information disclosure if a CCPA or applicable exception applies.

RIGHT TO REQUEST DELETION OF PERSONAL INFORMATION

Upon verification of identity, California residents may in some cases request that a business delete personal information about you that we collected from you and retained, subject to certain exceptions.

We may deny your deletion request if retaining the information is necessary to:

Complete the transaction for which the personal information was collected, provide a good or service requested by you, otherwise perform a contract between you and us or our client, or as reasonably anticipated within the context of your ongoing relationship with us or our client.
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity.
Debug to identify and repair errors that impair existing intended functionality.
Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law.
Comply with the California Electronic Communications Privacy Act.
Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent.
Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us.
Comply with a legal obligation.
Otherwise use your personal information internally in a lawful manner that is compatible with the context in which you provided the information; or
If another CCPA or applicable exception applies.

California residents may submit verifiable requests for information or deletion described herein by calling us at (800) 888-8200 and requesting to speak with our compliance department at extension 2004, e-mailing us at [email protected], or writing to us at:

Financial Corporation of America
Attention: Compliance Department
12515 Research Blvd. Building 2, Ste 200
Austin, Texas 78759

VERIFYING YOUR IDENTITY IF YOU SUBMIT CCPA REQUESTS

If you choose to contact us directly via the designated methods described above to exercise your CCPA rights, you will need to:

Provide enough information to reasonably identify you (e.g., your full name, account number if applicable, and potentially other identifying information); and
Describe your request with sufficient detail to allow us to properly process and respond to your request.

If you are seeking to make a verifiable request under the CCPA on behalf of someone else, we require enough information to reasonably identify the subject of the request (including name and other identifying information) and the subject’s written consent to make the CCPA request on his or her behalf, as consistent with applicable law.

We are not obligated to make an information disclosure or carry out a deletion request pursuant to the CCPA if we cannot verify that the person making the request is the person about whom we collected information, or is someone authorized to act on such person’s behalf.

Any personal information we collect from you in order to verify your identity in connection with your CCPA request will be used solely for the purposes of verification.

Last modified: 9-14-2020

NMLS # 951408
Nevada Compliance Manager Certificate Number CM11117
NMLS # 2370894 for Compliance Manager
California License Number: 10776-99
Nevada Agency License #: CA 10126
© 2020 FCOA. All Rights Reserved.

Disclosures by State

Financial Corporation of America

12515 Research Blvd. Building 2
Austin, Texas 78759
Toll Free Telephone Number: 800 880-8200
Business Hours: Monday – Friday 8 AM to 5 PM Central Time.

Financial Corporation of America is a Debt Collection Company. This Communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose

To review specific details regarding the account we are attempting to collect click the Consumer Account Tab and enter the information requested in order to review your specific account information,

We are required under State and Local laws and statutes to notify consumers of the States or Local jurisdictions listed below of the following consumer rights. This list does not contain a complete list of the rights consumers have under Federal, State, or Local Laws.

California:

The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP

For Medical Debts Only: Non-Profit Credit Counseling Services may be available in your area.

As required by law your are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation. If we report your account to a credit reporting agency we will not do so until the expiration of the 30-day validation period described in the initial validation letter mailed to you by Financial Corporation of America. NOTE THIS SHOULD ONLY BE INCLUDED ON ACCOUNTS THAT WILL BE CREDIT REPORTED

Colorado:

For Medical Debts Only: Non-Profit Credit Counseling Services may be available in your area.

Connecticut:

This is an attempt to collect a debt and any information obtained will be used for that purpose.

NOTE IF THE CREDITOR IS A HOSPITAL LOCATED IN CONNECTICUT, AND IF APPLICABLE, IT MUST PROVIDE IT MUST PROVIDE THE DEBTOR A ONE PAGE NOTICE IN ALL BILLS AND COLLECTION COMMUNICATIONS. THEREFORE IF APPLICABLE THE HOSPITAL MUST PROVIDE SUCH NOTICE TO FCOA SO IT CAN BE PROVIDED TO THE DEBTOR: SUGGESTION IS THAT PROGRAMING ALLOW THE CONNECTICUT CONSUMER TO CLICK THRU TO THE ONE PAGE DOCUMENT WHEN HE/SHE ACCESSES ACCOUNT. FOLLOWING IS A DESCRIPTION OF THE DOCUMENT THAT THE HOSPITAL MUST PROVIDE.

Each hospital which holds or administers one or more hospital bed funds shall require its collection agents, in all bills and collection notices, to include a one-page summary describing the hospital bed fund and how to apply for such funds. The summary shall also describe any free or other reduced cost policies for the indigent and shall clearly distinguish hospital bed funds from other sources of financial assistance. The summary shall include notification that the patient is entitled to reapply upon rejection and that additional funds may be available on an annual basis. In addition, the collection agency must provide notice to the patient whether the hospital deems the patient an insured patient or an uninsured patient and the reasons for such determination.

District of Columbia:

This is an attempt to collect a debt and any information obtained will be used for that purpose.

Georgia:

This is an attempt to collect a claim and any information obtained will be used for that purpose.

Idaho:

Financial Corporation of America’s mailing address is 12515 Research Blvd. Bldg. 2, Austin, Texas 78759. Financial Corporation of America can be reach by telephone toll free at 800 880-8200.

Illinois:

Licensed by the Illinois Department of Financial and Professional Regulation as “Financial Corporation of America Corp. This is an attempt to collect a debt.

Maine:

Financial Corporation of America can be reach by telephone toll free at 800 880-8200. The hours of operation are Monday thru Friday (except holidays) 8 AM to 5 PM Central Time.

Massachusetts:

NOTICE OF IMPORTANT RIGHTS

YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY TEN DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST TO 12515 RESEARCH BLVD. BLDG. 2, AUSTIN, TEXAS 78759.. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE OUR OFFICE AT 12515 RESEARCH BLVD. BLDG. 2, AUSTIN, TEXAS 78759.

Minnesota:

This collection agency is licensed by the Minnesota Department of Commerce.”

If you feel that your concerns have not been addressed please contact our dispute resolution Department at 1 800 880-8200 extension .7583 and allow us the opportunity to try to address your concerns. Or, you have the option to address any concerns with the Minnesota Attorney General’s office, which can be reached at 651-296-3353 or 1 800 657-3787.

New Mexico:

For medical accounts only: The New Mexico Surprise Billing Protection Act requires each health facility licensed pursuant to the Public Health Act [Chapter 24, Article 1 NMSA 1978] to post the following on the health facility’s website in a publicly accessible manner:
(1) the names and hyperlinks for direct access to the websites of all health insurance carriers with which the hospital has a contract for services;

(2) a statement that sets forth the following:

(a) services may be performed in the hospital by participating providers as well as nonparticipating providers who may separately bill the patient;

(b) providers that perform health care services in the hospital may or may not participate in the same health benefits plans as the hospital; and

(c) prospective patients should contact their health insurance carriers in advance of receiving services at that hospital to determine whether the scheduled health care services provided in that hospital will be covered at in-network rates;

(3) the rights of covered persons under the Surprise Billing Protection Act [59A-57A-1 NMSA 1978]; and

(4) instructions for contacting the superintendent.

Nevada:

For medical debts only: If your pay or agree to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as (1) acknowledgement of the debt by you; and (2) A waiver by you of any applicable statue of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt.. If you do not understand or have questions concerning your legal rights or obligations relating to the debt you should seek legal advice.

New York State Residents:

If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt:

Supplemental security income, (SSI);
Social security;
Public assistance (welfare);
Spousal support, maintenance (alimony) or child support;
Unemployment benefits;
Disability benefits;
Workers’ compensation benefits;
Public or private pensions;
Veterans’ benefits;
Federal student loans, federal student grants, and federal work study funds; and
Ninety percent of your wages or salary earned in the last sixty days.

Debt Collectors are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to:

(i) the use or threat of violence;

(ii) the use of obscene or profane language; and

(iii) repeated phone calls made with the intent to annoy, abuse, or harass.

No debt collection agencies shall make any representation that a person is required to pay the debt of a family member in a way that contravenes with the Fair Debt Collection Practices Act (15 USC § 1692 et seq.). No debt collection agencies shall make any misrepresentation about a family member’s obligation to pay such debts.

New York City Residents:

Financial Corporation of America is licensed by the New York City Department of Consumer Affairs – License Number 2012932-DCA.

You may call ____________toll free at 800 880-8200 extension ____during normal business hours. To review specific details regarding the account we are attempting to collect click the Consumer Account Tab at the top of this web page and enter the information requested in order to review your specific account information including the name of your creditor and the current balance due.

This is an attempt to collect a debt and any information obtained will be used for that purpose.

Please contact us to confirm your preferred language preference. You may request a translation of certain communications into a language other than English. In addition, a translation and description of commonly-used debt collection terms is available in multiple languages on the NYC Department of Consumer Affairs website, www.nyc.gov/dca.

North Carolina:

North Carolina Department of Insurance Permit Number 103241.

Tennessee:

Financial Corporation of America is licensed by the Collection Agency Board of the Tennessee Department of Commerce and Insurance.

Utah:

As required by law you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation. If we report your account to a credit reporting agency we will not do so until the expiration of the 30-day validation period described in the initial validation letter mailed to you by Financial Corporation of America. NOTE THIS SHOULD ONLY BE INCLUDED ON ACCOUNTS THAT WILL BE CREDIT REPORTED

Vermont:

This is an attempt to collect a claim and any information obtained will be used for that purpose.

Washington:

You have the right to request the following information at any time: (1) The original account number or redacted original account number assigned to the debt; (2) The date of the last payment to the creditor; and (3) An itemized statement that includes (a) The name and address of the medical creditor; (b) The date of service; (c) The health care services provided; (d) The amount of principal; (e) Any adjustment to the bill; (f) Any payments received; (g) Any interest or fees, if applicable; and (h) Whether the patient was found eligible for charity care or other reductions and, if so, the amount due after all reductions have been applied.

West Virginia:

This is an attempt to collect a claim and any information obtained will be used for that purpose.

New York City Residents (click here)

Site Map

Disclosures by State

Financial Corporation of America

California:

Colorado:

Connecticut:

District of Columbia:

Georgia:

Idaho:

Illinois:

Maine:

Massachusetts:

Minnesota:

New Mexico:

Nevada:

New York State Residents:

New York City Residents:

North Carolina:

Tennessee:

Utah:

Vermont:

Washington:

West Virginia: