Who Is Capio Partners? Why Are They Calling Me?

Capio Partners (operating in some records as CF Medical, LLC) is one of the largest medical-debt buyers in the country, purchasing unpaid hospital and provider bills and then pursuing consumers directly. If Capio Partners is contacting you about a medical bill, check it against your insurance’s explanation of benefits first — see medical debt escalation — since Capio buys accounts in bulk and billing or insurance errors upstream can carry through to the collection notice.

Has Capio Partners been the subject of legal action?

Yes. Capio Partners has been named in more than 30 federal lawsuits over a three-year span alleging violations of the FDCPA and the Telephone Consumer Protection Act (TCPA), including a 2017 class action in the Middle District of Florida (No. 8:17-cv-00987) accusing the company of using an automated dialing system to place debt-collection calls without the required consent. The CFPB’s public complaint database also shows over 700 complaints against Capio Partners, a large share alleging the company pursued medical debts consumers didn’t recognize or that had already been paid or covered by insurance. If Capio Partners is calling you repeatedly or robocalling your cell phone, document the calls and request debt validation before making any payment.