Consumer complaint received 2020-06-13
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Included Companies *XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
Email : XXXX XXXX *XXXX XXXX XXXX *Credit Collection Services On XX/XX/XXXX I went to the XXXX minute clinic in XXXX XXXX, FL to do some tests . I had asked the doctor/physician questions in regards to what the total cost would be. She told me the total cost was going to be something like $ XXXX ... .I don't remember quite well. I did the tests, she said she'll call me to inform me of the results, not once did she mentioned to me that I'd have additional charges from XXXX XXXX or anywhere else. She mentioned that if I took a specific test, it'll be extra and I declined that test. In XXXX XXXX of XXXX, I received a mail from XXXX XXXX stating " 4th and final warning to pay debt owed '' ... .I was confused because I didn't understand why I was getting a bill from XXXX XXXX , also I was lost because I didn't recall getting a 1st, 2nd, or 3rd warning. I had contacted quest diagnostics about the bill, they told me it was coming from XXXX minute clinic. I had reported it to the XXXX, because I made sure I had asked questions in regards to finances. XXXX had contacted me and we were back and forth over the phone and also via email, I told them that XXXX XXXX  was even stating that this bill will go on my credit report if not paid. XXXX said that they would pay the bill of {$380.00}, XXXX minute clinic told me that they'll have the bill paid and that I should not worry about anything. They asked me to call XXXX XXXX and request a copy of the invoice and I should email it to them ( XXXX ), which I did. They ( XXXX ) told me that I should wait 3 months and I shouldn't hear anything more from XXXX XXXX regarding the bill. A mail dated XX/XX/XXXX which I received on XX/XX/XXXX ( unusual I know ) stating my bill was not paid and I should contact Credit Collection Services to have the matter resolved or it could get reported on my credit. I contacted XXXX minute clinic again on XX/XX/XXXX, I told them that I am still receiving mail regarding the bill. I told them that I am willing to set up a payment plan with them to settle it myself, they reassured me that they have had waived the bill and I should not make partial payments to XXXX XXXX/Credit Collection Services. XXXX told me that they'll contact their personnel and get back to me via email or phone. I went ahead and set up 3 auto pay monthly payments of XXXX on XX/XX/XXXX, even though I was advised not to by XXXX. I emailed XXXX once again in order to get an update and they never responded. My last payment was paid XX/XX/XXXX, but on XX/XX/XXXX Credit Collection Services reported that I was seriously late on payment and that resulted in a serious damage to my credit. I called XXXX XXXX to resolve this issue because it was unfair what they had done to me, XXXX told me that XXXX had called them about XX/XX/XXXX and told them that, I, XXXX XXXX would not be responsible for the bill and they ( XXXX ) would be paying on my behalf. XXXX XXXX told me that they had pulled the bill from collections and sent it to XXXX. XXXX XXXX stated that XXXX did not pay the bill and they went ahead and placed it back into collections. I called Credit Collection Services and asked them why would they report this when I had set up a payment plan and also made sure it was on auto payment. They said it didn't matter, making payments will not stop my credit from being reported. If XXXX minute clinic had set the expectations with me from day one, I would've known what to expect, I even made sure to ask the physician about finances and total cost. If XXXX XXXX  had done their jobs right in the first place and had sent me the bill in XXXX or XXXX of XXXX, I could've had this bill settled a long time ago. Instead, XXXX XXXXXXXX  sent me a FORTH ( 4TH ) and final warning, SIX ( 6 )  months after XX/XX/XXXX. Bare in mind, they did NOT send me a 1ST, 2ND or 3RD warning. I had no idea I was in debt with XXXX XXXX until XX/XX/XXXX. I contacted XXXX XX/XX/XXXX, stating what happened, I told them that I do not want payment from them, all I asked them for was to explain what had happened with Credit Collection Services, and they only emailed me back with any image of XXXX ... ..I was insulted. I have never ever missed a bill in my entire life, I did everything a responsible adult should do, I've never broken a crime, I've always paid my bills and do everything to keep my credit clean. I was cheated and treated unfairly by these corporations, I just want this negative report off my credit report completely as if it never happened because it should have never happened in the first place. Even the representative from XXXX XXXX billing department agreed that I was treated unfairly!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation