Consumer complaint received 2022-04-04
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX, I contacted XXXX XXXX XXXX about a claim that was denied and this {$1100.00} bill for the doctor who nearly killed me due to his ADMITTED medical negligence. XXXX XXXX had sent me an email about how to clear medical debt and I figured I would ask XXXX XXXX XXXX about the charge. In the investigating with the agent on the phone, it was found that not only did this doctor not know how to perform a simple XXXX without nearly killing a patient but his office does not know how to bill properly. XXXX XXXX XXXX sent the bill for {$1100.00} back because it was not coded that this was an emergency XXXX. Instead of resubmitting, the doctors office sent it to collections. I had planned on leaving it there to rot. You do not get to leave me with lifelong issues and nearly make my child an orphan AND get a dime out of me. The agent from XXXX XXXX XXXX called Merchants and Medical ( M & M- the collection agency ) stated we were working on a resolution and investigation with this bill. The M & M ( collection agency ) agent on the phone tried to bypass the XXXX XXXX XXXX agent on the phone and harass me into paying the bill on the spot. This is in call logs with XXXX XXXX XXXX. The agent KNEW we were on a 3 way call with XXXX XXXX XXXX trying to verify the debt and instead of veryifing or providing any information, she ( M & M agent ) tried to force me into paying the debt asking " Well what are YOU going to do about it? IT IS YOUR RESPONSIBILITY. '' The XXXX XXXX XXXX agent spoke up and said the M & M agent was again on a 3way call with me and insurance to get information on the debt. XXXX XXXX XXXX submitted the information higher in order to research the claim and work on paying the {$1100.00}. I was told to call back in a week to check on the status. I called back 10 days later only to find out that the collection agency had also called. I was advised to file a grievance about this bill with XXXX XXXX XXXX and I can file a Care Complaint, which I did. In that time, M & M decided sending this to a lawyer was their solution. There has NEVER been an explanation of services sent to me. There has never been a verification of debt sent to me. Not only did this doctor fail to perform the XXXX properly by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  after the XXXX XXXX XXXX  but they can not seem to bill properly either. XXXX XXXX XXXX advised me to complete a grievance and a complaint about this doctor which I have. Once that was started, a letter from a lawyer for XXXX XXXX and XXXX XXXX XXXX arrived. This doctor and office has continuously been negligent, retalitory, and harassed me for the last 3 years. The claim for the {$1100.00} was paid by XXXX XXXX XXXX on XX/XX/22. The doctor has received their money. I should have never been sent to an attorney or threatened with a lawsuit. There is now a process server looking for me to serve me with papers to sue me over a debt that I should not even owe and has been paid by insurance 2 weeks ago.

Company response to consumer: Closed with non-monetary relief