Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) and the collections agency, Medical Revenue Service ( XXXX XXXX XXXX XXXX, FL XXXX ) regarding an unjustified debt collection notice. The circumstances surrounding this issue are deeply concerning and have caused undue stress and confusion. Here is a summary of the events leading up to this complaint : On XX/XX/XXXX - XX/XX/2022, I was seen in the XXXX  for treatment at XXXX XXXX XXXX. Upon my arrival, I provided my insurance information at the check-in counter. However, there was a substantial language barrier between the hospital staff, who predominantly spoke XXXX, and myself, as I primarily speak XXXX. Despite this language barrier, I assumed that my insurance details had been accurately recorded. 

Several months later, I received an unexpected bill from XXXX XXXX XXXX, indicating that I was considered a self-pay patient. This information was perplexing, as I distinctly remember providing my insurance information during my initial visit. Troubled by this discrepancy, I promptly contacted XXXX XXXX XXXX to address the issue. During this conversation, I provided my insurance information again and they resubmitted my insurance claim. 

To my relief, XXXX XXXX XXXX later confirmed that my insurance had cover the entire cost of the treatment since I had already met my deductible and reached the maximum out-of-pocket expense for the year. Consequently, I believed the matter was resolved and that there would be no further financial obligations on my part. 

However, I was astounded to receive a collections notice from Medical Revenue Service today, demanding {$2700.00}, months after my interaction with XXXX XXXX XXXX. This collection notice was sent without any prior warning or communication, and it has caused significant distress and confusion and I'm in the middle of trying to purchase a home. 

When I reached out to Medical Revenue Service in an attempt to resolve this issue, they not only refused to provide me with the contact information for the original creditor, XXXX XXXX XXXX, but also proved uncooperative in addressing my concerns and advised me to XXXX it. 

The first billing department I searched was unable to locate my account and never had me listed as a patient. I then XXXX  another number and was successful. I expressed my disbelief that no prior notice or attempt at debt collection had been made. The representative insisted that a notice had been sent last year, a claim I find highly dubious and concerning. I reiterated that I had submitted my insurance information during my initial visit to the hospital, and that my insurance had covered 100 % of the expenses, as my deductible and out-of-pocket maximum had already been satisfied. 

I firmly believe that XXXX XXXX XXXX and Medical Revenue Service have failed to adhere to proper guidelines in this matter. I provided my insurance information in good faith, and I was assured that my insurance coverage would suffice. It is both unfair and unjust for me to be sent to collections without any prior notice or opportunity to address this issue, especially when my insurance has covered the expenses in question.