Product: Debt collection

Medicredit has mis-managed my account previously and also my payments. I previously filed a case a year ago. # XXXX. I called in to check on the balance of my account, because it seems as if it was {$150.00} off, and I know that the account is set to be paid off this year. When I called in, I asked what account balances are on this plan, the woman said that there are 17 account. I advised her that she was mistaken. I am paying 4 maybe 5 max on this plan. There is one account of my husbands that I asked to be included, and three of mine. Because this woman wanted to argue, I asked to speak with a supervisor by the name of XXXX. XXXX told me that not only was the {$780.00} from my husband 's account on there, there were several other bills. Somehow when they set up my plan someone checked all 17 accounts. I had to tell XXXX several times that when I started this plan, nothing was due to medicredit. I filed bankruptcy and accounts were included there. Any other account that they had was either in bankruptcy, paid to the original creditor, or paid to them. In 2015 I didn't owe them any other bills. For my husband there were two accounts that I kept fighting with them and XXXX XXXX XXXX. I called in finally with the insurance company on a three way call. I spoke with both medicredit and XXXX XXXXXXXX XXXX. When XXXX XXXX XXXX sent the bill to my insurance company they had my husband 's correct name, however they had the incorrect date of birth. They submitted the claim like that on three or four different  occasions, more than likely every time I called to see why they were sending us a bill. The insurance representative told both medicredit, and XXXX ( now XXXX XXXX ) that they are not paying. According to their contractual agreement they have six months to submit claims and be paid, in their contract they must submit correct information within 6 months, and they can not go after the customer because they didn't submit the correct information. According to XXXX they paid that bill. Another {$25.00} bill, and another bil for {$150.00}. They applied 6 {$25.00} payments to my bills that they could not provide the dates, nor the provided which more than likely was in my bankruptcy. At this time I have paid {$5400.00} to Medicredit. When this month 's draft hit my account it started off at payment # 1, which more than likely I am finished with what I was supposed to and agreed to pay, however they started applying my money elsewhere. According to XXXX their system is unable to track every single payment since so much time has passed. She said she would remove the payment from my husband 's account and apply to mine, however this will start the collection process all over for an account that was not due. I asked how much will it take to settle the account and not report to my credit report, I was advised that XXXX takes 20 %. I then told her no, because I shouldn't have to settle and worry about what they will report since they could not email me or mail a letter due to their error. Last year medicredit cost my a job by the negative reporting, and this year they are applying payments illegally where they are not due. In order to be in and remain in business they must have accurate payment processing. I have requested that they stop drafting from my account, and I am filing this complaint so that what I have paid is the final payment. I should have taken them to court when they cost me a position with a bank, however I was able to get another job a few weeks later. And this year it is something else with they checked off all 17 of your accounts. Technically because last years complaint was so malicious because a girl broke my plan intentionally to place it in her name I should have taken them to court for the entire amount due and not paid them another dime. Applying payments to previously bankrupt discharged accounts is illegal, and the system should not even allow that to be an option. Also the account where they sent the claim to the insurance company incorrectly they should have deleted that from their system when they sent it back to them. Due to medicredits gross negligence I am requested that they update with what is due, and they completely write-off the excess that is due for their errors. If they are saying that their client accepts 80 % of the debt, and they can write off 20 %. Then they need to do so without holding me accountable in any way by sending tax information in, or any credit reporting, because this is something that they have caused. Their employees are so malicious when you call in, they are just trying to collect anything, and apply payments anywhere and it is worse because they are hoping that when they apply your payments to debt that is not owed, that they can tell you anything. When I looked at the previous complaint I was correct, there were four accounts. {$780.00}, {$2300.00}, {$1600.00}, and {$460.00} according to XXXX. If that is the case then the the totals are {$5100.00} and I have paid {$5200.00} so far. The accounts are paid in full. When I called back and spoke to another representative, I was given different figures of {$780.00} for my husbands account, my accounts {$2300.00}, {$1600.00}, and {$1200.00}, which is {$6000.00}. This {$770.00} accounts for the 20 % that the client is willing to wipe away, or this could be minimum a fine, but bottom line for the XXXX that they have put me through, this account should be paid in full. Medicredit should be fined and have all of their accounts audited due to poor ethics within the organization from the employees up, as well as their poor payment system, and tracking measures. Please make this public so that others are able to look up this information and be informed on their tactics.