Product: Debt collection

Received statement from XXXX XXXX XXXX ( Document 1 ) dated XX/XX/XXXX with a due date of XX/XX/XXXX. This was a total of 10 calendar days and 8 business days in which to respond. Letter was received after XXXX on XX/XX/XXXX, as shown in Document 2. This is a copy of my Informed Delivery from the United States Postal Service, which provides a scan of letters/mail being delivered to your mailbox daily. 

A 10 calendar day/8 business day notification is not enough time to make a financial decision of over {$1000.00}, and since the letter was not received until after XXXX business hours on XX/XX/XXXX I was given less than 48 hours to make a financial decision. I would also like to note, that I am not even home before XXXX during the week, as I work a day job myself. Depending on where my last service call is, determines how late I am getting home. This puts contacting XXXX for any matter ( as their hours are XXXX ) as inconvenient for myself. 

I would also like to note, it is against my companies policy to use personal communication devices during work hours ( cell phone, pagers, iPod, etc ). I also would not be allowed to remain on company property ( or any other property in which I have no business to conduct at that location ) due to loitering laws here in XXXX XXXX. There is a policy in my company hand book, as well as posted notice of ordinance in my company office. It would also be illegal for me to conduct this business by phone, as having to look up dates/account numbers/etc a " distracted driving '' issue, as well as using cell phone while driving. 

Received a letter of collections from XXXX XXXX XXXX ( Document 3 )  demanding payment or a letter of dispute for charges from XXXX. This will act as my official letter of dispute. 

On XX/XX/XXXX I filed a complaint against XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX with my health insurance provider. Representative XXXX stated at the time they had no record from either organization that I had been hospitalized. I was contacted by representative XXXX on XX/XX/XXXX with my health insurance company about my complaint, and was told that " they waited until the last minute to file a claim ''. The claims were not filed until around XX/XX/XXXX. 

I gave a verbal deposition to representative XXXX XXXX with my health insurance company in XXXX to start a second wave of investigation of the charges. No one had reached out to XXXX to inform them of the dispute. I contacted XXXX in XXXX to inform them of the dispute. XXXX performed an internal review, and of course found they had no wrong doing in the process. 

I followed up with my health insurance provider in XXXX after receiving XXXX " investigation '' report. My health insurance provider sent me forms to fill out, to have their board of doctors review my case. I submitted two complaints, which included 25 pages of liable statements/phone records/medical records ; along with a CD of recorded phone calls ; and my written deposition against XXXX XXXX XXXX and XXXX XXXX XXXX. 

The last representative I followed up with in XXXX stated that depending on what the review board determines, based on my verbal testimony that it may be forwarded to their legal department. Charges we discussed were malpractice, insurance fraud, and interfering with an official investigation. My health insurance provider may submit criminal or civil charges against the doctor/hospital in dispute. Also, based on the outcome of the investigation, I personally may be filing civil charges against the doctor as well as XXXX and XXXX 

Just as a note, my verbal deposition included an assault charge against a XXXX security officer in XXXX ; and inappropriate workplace conduct ( not by my doctor, but the doctor of the patient I was sharing a room with ) which included screaming profanities and slamming our shared room door. I also have a third complaint, that I am seeking legal council on ; but it involves the transplant team at XXXX in which one member stated to me directly " you won't get a transplant '' ( due to a negative verbal exchange ) and one member refusing to provide me with MY case information when directly asked ( was told " I'm not going to answer that '' ).