Consumer complaint received 2018-12-20
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018, I visited XXXX Hospital 's ER in XXXX, TN ( a public trust hospital system and an in-network provider for my insurance policies ), and was subsequently billed by XXXX XXXXXXXX XXXX, XXXX, ( XXXX XXXX, XXXX - treating physician ) for medical treatment by an ER physician. 
I currently have two health insurance policies. XXXX XXXXXXXX XXXX, XXXX, billed for {$1100.00} ( 1000 % of local pricing for ER care ). Both policies paid, {$180.00} each or {$360.00} total. This left a bill of {$810.00}. I was not billed until over 90 days from treatment date making it look as if I am late with payment. Although it seems outrageously unfair for such high billing and the use of balance billing for payment, so far all is sadly legal. 
What I found after paying XXXX  XXXX XXXX, XXXX, they used the government entity name of " XXXX XXXX XXXX XXXX XXXX, '' when I actually paid " XXXX XXXX XXXX, XXXX, '' through their collection team, " IC System '' for the remaining amount of {$810.00}. 
What I have found is that the business, " XXXX  XXXX XXXX, XXXX, '' uses fraudulent business dealings. They sell these debts ( negotiating ) to  other businesses before you've received your first billing. I do not know if these businesses are owned/in-network by the XXXX XXXX or simply sold to other collection agencies multiple times. You as a patient pay the bill, yet the owners of " XXXX XXXX XXXX, XXXX, '' again resell the bill over and over, layering the transaction. I currently get local number phone calls coming from the XXXX demanding payment for this bill ( again ) with no recognition of the confirmation number given, the same account number, or receipt by my state issued card by prior debt collectors. I do know that " XXXX XXXX XXXX, XXXX, '' has XXXX XXXX, XXXX, as its president. He also is in the XXXX for several other collection-type entities such as, " XXXX, '' " XXXX, '' and " XXXX and XXXX XXXX XXXX. '' It seems that this company is not interested in actual accounting practices for billing but possibly entering into fraud by layering the collection process with various companies to multiple bill for single debt. 
It is fraud to use the City of XXXX & XXXX Co 's trust of XXXX XXXX Hospital as the collection name. I phoned XXXX billing department and found that this debt I paid for {$810.00} is entirely " XXXX XXXX XXXX, XXXX '' and through my credit card & matching EOB 's, was paid in full. These collection companies have threatened to ruin my credit rating due to their claiming it is an unpaid medical debt. By switching company names over and over, it can seem you never paid this debt for they can claim that they never received the payment. This seems to be the strategy to gain multiple payments from unsuspecting patients. " XXXX XXXX XXXX XXXX '' takes XXXX and XXXX patients ( XXXX government payment for medical bills ), yet these very patients can be ruined by unscrupulous billing practices from companies like, " XXXX  XXXX XXXX, XXXX. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation