Capio Partners, LLC purchases delinquent medical accounts from hospitals and contacts patients to collect on those balances. CFPB complaint records show consumers have reported billing errors and unauthorized automated calls from Capio. Their 770-plus federal court cases reveal a record that goes beyond their patient-friendly branding.
Key Takeaways
- Capio Partners, LLC is a medical-only debt buyer headquartered at 2250 Satellite Blvd, Suite 210, Duluth, GA 30097; formerly based in Sherman, TX; also known as CP Medical LLC
- 770-plus federal court cases on record; a 2017 TCPA class action (8:17-cv-00987-EAK-AAS, M.D. Fla.) alleged Capio used an automated dialer to call a cell phone repeatedly after being told the number was wrong
- Consumers have reportedly described billing accuracy errors on accounts where insurance should have covered the balance, according to CFPB complaints and consumer review forums
- The FDCPA requires written validation within 5 days of first contact; the TCPA prohibits automated calls to cell phones without prior express consent
- FDCPA violations may entitle you to up to $1,000; TCPA violations carry $500 to $1,500 per unauthorized call or text
- The Wood Firm PLLC handles these cases on contingency, whether you owe the medical debt or not
Free Case Review: +1-844-638-1122
Who Is Capio Partners?
Capio Partners, LLC is a medical debt purchaser headquartered at 2250 Satellite Boulevard, Suite 210, Duluth, GA 30097. The company formerly operated from Sherman, Texas, and may also appear in older records as CP Medical LLC. Capio purchases delinquent medical accounts from hospitals and health systems, then contacts patients to collect.
Unlike general debt buyers, Capio focuses entirely on healthcare accounts. Their stated policy is to never charge interest or additional fees on collected medical debt. They also partner with BuoyFi to offer charity care options and flexible repayment plans to patients who cannot pay.
In our practice, we pull Capio’s chain-of-title documentation on every file. Medical accounts pass through multiple assignments, and a documentation gap can defeat the collection claim entirely. A broken assignment trail means Capio may lack legal standing to collect at all.
- Also Known As: CP Medical LLC
- Address: 2250 Satellite Boulevard, Suite 210, Duluth, GA 30097 (formerly Sherman, TX)
- Phone: (888) 893-0171 | 888-893-0171 | +1 888-893-0171 | 8888930171
- Also Reported: (678) 682-3680 | 678-682-3680 | +1 678-682-3680 | 6786823680
- Also Reported: (888) 876-2814 | 888-876-2814 | +1 888-876-2814 | 8888762814
- Also Reported: (800) 317-3327 | 800-317-3327 | +1 800-317-3327 | 8003173327
- Also Reported: (903) 892-7400 | 903-892-7400 | +1 903-892-7400 | 9038927400
- Also Reported: (469) 425-8535 | 469-425-8535 | +1 469-425-8535 | 4694258535
- Email: correspond@capiopartners.com
- Website: capiopartners.com
- BBB Profile: Capio Partners BBB listing
Why Is Capio Partners Calling You?
Capio Partners is calling because a healthcare provider sold or assigned your medical account to them for collection. They collect exclusively for hospitals, health systems, physician groups, and other medical facilities. The underlying balance traces to a specific medical service, not a credit card or personal loan.
Medical debt carries a dispute risk that other consumer debt does not. Insurance coordination failures and billing code errors can produce balances patients do not actually owe. Before engaging with Capio on any balance, verify the underlying charge against your insurance explanation of benefits.
Confirm each of these before paying or disputing:
- That the medical service occurred and the account belongs to you
- That your EOB shows the correct patient responsibility amount
- That the amount Capio claims matches your provider’s original bill, not a higher figure
- That the debt has not already been paid to the original provider
Capio’s stated no-interest, no-fees policy means their claimed balance should match your patient responsibility exactly. Any discrepancy between Capio’s figure and your EOB is grounds to dispute before paying. That discrepancy may also support a separate FDCPA or FCRA claim.
Is Capio Partners a Scam?
Capio Partners is a real, licensed debt collection agency registered with state regulators and the CFPB. Licensed status does not mean every collection tactic is legal or that every account they pursue is accurate. According to CFPB complaints and consumer review forums, consumers have reportedly described inaccurate balances and calls that continued after cease-and-desist requests.
In our experience, Capio’s no-interest, no-fees policy creates a built-in dispute tool. When Capio’s claimed balance exceeds your EOB patient responsibility, we use that discrepancy to challenge the entire account. That type of billing mismatch is among the most common patterns we document in Capio files.
Is Capio Partners Banned by the FTC?
No. The FTC has not taken a direct enforcement action against Capio Partners. The CFPB has received complaints about Capio’s collection practices, and private federal lawsuits have documented specific statutory violations. The absence of an FTC ban does not mean Capio operates without legal accountability.
The primary accountability mechanism for consumers is a private FDCPA or TCPA lawsuit. CFPB complaint data shows consumers have reported billing inaccuracies and communication failures on Capio medical accounts. Those complaints, combined with 770-plus federal court cases, document a pattern that warrants review before you respond to any Capio contact.
Has Capio Partners Been Sued in Federal Court?
Yes. Capio Partners has been named in over 770 federal lawsuits. Their record spans FDCPA disclosure failures, TCPA automated calling claims, and harassment allegations.
- TCPA Wrong-Number Class Action, 8:17-cv-00987-EAK-AAS (M.D. Fla. 2017): Plaintiffs alleged Capio used an automatic telephone dialing system to call a consumer’s cell phone repeatedly after being told the number belonged to a different person.
- Bispo v. Capio Partners, 8:11-cv-03195-AW: Plaintiff alleged Capio violated the FDCPA in its debt collection communications on a medical account.
- Teichman v. Capio Partners, 3:13-cv-00342-MAS-TJB: Plaintiff alleged Capio engaged in improper collection conduct prohibited by the FDCPA.
- Epitropakis v. Capio Partners, 2:14-cv-04481-JLL-JAD: Plaintiff alleged FDCPA violations in Capio’s collection communications on a purchased medical account.
- Defederico v. Capio Partners, 3:14-cv-06412-AET-TJB: Plaintiff alleged FDCPA violations in Capio’s written and telephone collection conduct.
- Thorum v. Capio Partners, 2:12-cv-00435-BSJ: Plaintiff alleged Capio violated the FDCPA in its collection conduct on a medical account.
When we open a Capio Partners file, we pull the client’s incoming call records and request Capio’s dialer logs. That 2017 class action alleged Capio continued ATDS calls to a cell phone after being corrected on the number. Each post-correction call may be a standalone TCPA violation worth $500 to $1,500.
How to Stop Calls and Texts from Capio Partners
Federal law gives you specific tools to stop calls from Capio Partners. The Fair Debt Collection Practices Act requires Capio to stop all contact after receiving a written cease-and-desist. Under CFPB debt collection rules, Capio must also pause collection during the validation period if you request it within 30 days of first contact.
- Contact the original healthcare provider and request your itemized bill, insurance EOB, and the exact patient responsibility amount before engaging with Capio
- Send a written validation request within 30 days of first contact to 2250 Satellite Blvd, Suite 210, Duluth, GA 30097; certified mail creates a stronger documented record than email
- Log every automated call and text with the date, time, and calling number; if Capio used an ATDS on your cell phone, each call is a separate potential TCPA violation
- Send a written cease-and-desist via certified mail and retain the return receipt as evidence of delivery
- Consult an attorney before paying; if Capio violated federal law, the claim can be pursued on contingency at no upfront cost to you
How to Remove Capio Partners from Your Credit Report
Removing Capio Partners from your credit report starts with verifying the underlying medical charge against your insurance records. Insurance-related billing errors frequently produce credit entries that should never have been reported. The Fair Credit Reporting Act gives you the right to dispute inaccurate entries with Equifax, Experian, and TransUnion.
Our firm examines the date Capio first reported a medical account to the credit bureaus. Federal rules require a one-year waiting period before medical debts can appear on a credit report. Premature reporting is a standalone FCRA violation and grounds for removal regardless of whether the underlying balance is accurate.
- If the entry appeared within one year of the original service date, dispute immediately with all three bureaus under the medical debt waiting-period rule
- If the amount differs from your EOB patient responsibility, submit your insurer’s documentation showing the correct balance
- If Capio did not provide written validation before reporting, reference that failure directly in your bureau dispute letter
- If the debt is valid, negotiate a written pay-for-delete agreement covering all three bureaus before paying; review your options at the FTC’s debt collection rights resource
How The Wood Firm PLLC Helps Stop Capio Partners Debt Harassment
Capio’s patient-friendly branding and no-interest policy are real distinctions from most debt buyers. They do not prevent FDCPA disclosure failures, TCPA automated calling exposure, or FCRA reporting violations on medical accounts. The 2017 TCPA wrong-number class action is the clearest documented pattern in their federal litigation history.
The Wood Firm PLLC has handled FDCPA, FCRA, and TCPA cases exclusively on behalf of consumers since 2010. We never represent creditors or collection agencies, and we work on contingency. Call +1-844-638-1122 and let us review what Capio has actually sent you.
If a medical debt collector has sent inaccurate collection notices, made unauthorized automated calls, or disclosed your debt to third parties, visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency. If Capio violated federal law, they pay our fees.
Common Questions About Capio Partners
Why Is Capio Partners Calling You?
Capio Partners is calling because a healthcare provider sold or assigned your medical account to them. They collect exclusively for hospitals, physician groups, and other medical facilities across all 50 states. The underlying balance traces to a specific medical service.
Who Does Capio Partners Collect For?
Capio Partners collects exclusively for healthcare providers, including hospitals, health systems, physician groups, and medical facilities. If Capio contacts you, the debt originates from a medical service, not a credit card or utility account. They operate nationwide and contact patients in all 50 states.
Is Capio Partners Legitimate?
Yes, Capio Partners is a real, licensed debt collection company registered with state regulators. Licensed status does not mean every collection tactic complies with federal law. Consumers have reportedly described billing inaccuracies and communication failures, according to CFPB complaint records.
What Does “SO Capio” Mean on a Credit Report?
A “SO Capio” or “SO-Capio” notation on a credit report or bank statement is a collection entry from Capio Partners. If you do not recognize the underlying medical debt, request written validation from Capio before paying. You have the right to dispute inaccurate entries with Equifax, Experian, and TransUnion.
What Happens If Capio Called Your Cell Phone After You Corrected Their Number?
Likely, each call after that correction is a TCPA violation worth $500 to $1,500. The 2017 TCPA class action alleged Capio continued automated calls after being told the number was wrong. Document every call with the date, time, and calling number.
Should You Pay Capio Partners Before Speaking to an Attorney?
No. Insurance coordination errors frequently produce balances that are wrong or already covered by your insurer. Paying before verification waives your right to dispute a potentially invalid balance.
Does Capio Partners Operate in Your State?
Yes. Capio Partners operates nationwide and contacts consumers in all 50 states, including Ohio, Florida, Maryland, Iowa, and North Carolina. State location does not limit your federal FDCPA or TCPA rights.
What to Do If Capio Partners Keeps Calling
If Capio Partners keeps calling about a medical account, compare their claimed balance against your insurance EOB first. A discrepancy, a wrong-number automated call, or a validation failure may already constitute a federal violation. The Wood Firm PLLC handles Capio cases on contingency, and you pay nothing unless we win.
Call +1-844-638-1122 for a free review of what Capio has actually sent you.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
