Attempts to collect debt not owed

Posted on Posted in Complaints, Finance

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To Whom It May Concern, I am writing to inform you about a situation pertaining to a medical bill ( s ). I gave birth to my son on XXXX XXXX , XXXX at XXXX XXXX XXXX XXXX . The day in question my son and I received medical services from XXXX XXXX XXXX . My husband soon after the birth of our child went to add our son to his health insurance plan to cover expenses. On the same day my husband gave the information to the staff in the maternity ward as well as the insurance consultant who works on that level to help organize payment and billing. The bill in question is XXXX . We were unaware of this bill existence until it was transferred over to Central Financial Control which is a collection company contracted under XXXX XXXX XXXX . We sent a certified letter return receipt asking for debt validation and verification and was received by them on XXXX XXXX , XXXX . I sent this request under the Texas Financial Code 392.202, Fair Credit Report Act and the Fair Collections Act. We did not receive any correspondence in regards to that matter. After giving them ample time we then disputed it with the Credit Reporting Agencies, however they in turn verified it to the Credit Reporting Agencies without first validating nor verifying to us in regards to these lines on our credit reports. I then proceeded to further investigate this matter and found that this whole situation was a result of a billing error in which XXXX XXXX XXXX failed to request payment from our son ‘s primary insurance, instead they requested payment from XXXX XXXX XXXX XXXX and not XXXX XXXX XXXX . Our son ‘s Primary Care Insurance provider at the time of service was XXXX XXXX XXXX policy # XXXX I contacted XXXX XXXX XXXX about the mistake and they stated that they have no record of XXXX XXXX XXXX as our son ‘s insurance provider. I then contacted XXXX XXXX XXXX and asked if XXXX XXXX XXXX ever billed them for services rendered. They stated that they have several from XXXX XXXX XXXX in regards to our son. On XXXX XXXX , XXXX just XXXX days after our son ‘s birth they billed for service in the amount of XXXX claim # XXXX , thus disproving the notion XXXX XXXX XXXX statement of not having his primary insurance on file. I further contacted XXXX XXXX XXXX again on the matter and was constantly transferred back and forth between Central Financial Control and XXXX XXXX XXXX billing department. No one in their organization could help me until I got in contact with XXXX who went above and beyond into researching this and stated that they did in fact have the information but did not know why the hospital did n’t use it. He stated because of the age of the account XXXX XXXX XXXX will deny the claim because of time limitations. At the time of service my husband was paying near {$1000.00} a month in insurance premiums through his employer to make sure our children had healthcare coverage. To be held liable for a mistake on behalf the hospital and not even try to contact us by phone, email or any other form of communication before sending it to collections is not consumer friendly. The collection agency Central Financial Control is in violation with both state and Federal laws in regards to collections and thus resulted in financial harm for we were denied a mortgage because of this fraudulent line on our credit report. Both XXXX XXXX XXXX and Central Financial Control are aware of the situation and are unwilling to work with myself and my husband to resolve this matter. I am sending this as my last attempt into working with XXXX XXXX XXXX to get this resolved. My request is that any and all accounts reported by XXXX XXXX XXXX and Central Financial Control be removed from my credit report, if not I will have no other choice then to render the service of a law firm I have consulted with on this matter to protect my rights under Texas Financial Code 392.202, Fair Credit Reporting Act and the Fair Collections Act and any financial harm and damages it may have caused as a result. Thank you for your time and consideration into this matter and I look forward to a positive resolution.

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