Consumer complaint received 2023-10-05
Company: Professional Finance Company, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received services from this company at XXXX XXXX in XXXXXXXX XXXX on or about XX/XX/2022. Upon admission to the hospital, I provided my primary and secondary health insurance information. I required XXXX, and prior to signing my consent forms, requested the name of the practice providing services ( XXXX XXXX XXXX ) and requested that my insurance coverage be confirmed. It was confirmed that they were in-network and their services would be covered under the deductible for my hospitalisation under my primary and secondary insurance. XXXX XXXX XXXX, Maryland failed to properly code and XXXX for their services to both my primary and secondary insurance companies prior to the deadline for submitting a claim, leaving a large balance owed that would otherwise have been reimbursed by my secondary insurance. XXXX XXXX XXXX, in violation of my consumer rights, then proceeded to attempt to hold me accountable for their own billing and coding errors by taking aggressive and persistent collections efforts and repeatedly denying appeals, which negatively impacted my XXXX XXXX, in an effort to bully me into accepting financial responsibility for their own billing mistake. They repeatedly attempted to deflect responsibility to the collections agency they utilised, XXXX XXXX XXXX, who, after being notified of the inaccurate debt, then knowingly, unlawfully, engaged to collect this invalid debt, denying their responsibility as the credit collections agency taking actions against me in order to continue to improperly attempt collect the debt. They have repeatedly asked me for documentation that does not exist, such as proof that my secondary insurance denied the claim due to missing the deadline, when my secondary insurance wouldnt even accept a submission of the claim ( eliminating the possibility of a denial letter ) because their billing office missed the deadline for a submission to be considered. They have also attempted to cite XXXX, incorrectly claim that I did not provide them with my secondary insurance, and ignore the fact that the hospital in which they provided me services as a patient had my insurance on file ( with which other providers during the same hospitalisation were able to successfully receive payment from my secondary insurance ) in their efforts to further deflect their own responsibility for the financial consequences of their own billing error. They have attempted to state that they have no power or responsibility to cease collections and that I need to settle this with the original creditor, who has knowingly initiated and continued this improper collections attempt as motivated by their own financial interest in covering their loss resulting from their billing error, and is unwilling to reconsider their collections actions.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief