Consumer complaint received 2020-10-17
Company: Professional Finance Company, Inc.
State: CO
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:
PFC placed a disputed medical bill on my credit report today XX/XX/XXXX. 
Summary : PFC File # XXXX / amount : {$360.00}. 
PFC provided a billing statement with the following information per my written request of an itemized statement : ( Attached ) Patient : she is my daughter. 
Date of service : XX/XX/XXXX which is a 2 year old bill Provider Name : XXXX XXXX, XXXX XXXX Amount : {$360.00} PFC failed to provide the insurance claim number even after I requested it repeatedly. I was able to find on XXXX XXXX website one single claim from this provider with the same service date. The XXXX XXXX XXXX XXXX XXXX  claim number is XXXX. ( Attached is the file named : EOB ) EOB - which means the explanation of benefit. It includes the billing amount, the paid amount and amount the patient is responsible for. The EOB adhere to the contact between the provider, the insurance, and the patient. 
The EOB I obtained, clearly indicates what I owe the provider is XXXX Dollars. 
Note : we actually reviewed all the claims for the entire year and I obtained all the EOBs for the year, that claim was the only claim from this provider that we found on XXXX  website which means it was the only claim that was submitted to the insurance from this provider. 
Details of the dispute : I received a bill from PFC on XX/XX/XXXX. ( Attached file name is : Bill from PFC XXXX ). 
On XX/XX/XXXX I immediately emailed PFC using their website contact us and I disputed the bill and I requested an itemized statement. I never refused to pay my bill and here is what I wrote I do not recall this service thus I dispute the validity of this bill. Having that said, I might be forgetting something so i am requesting the following information and if it was indeed my services and it was billed correctly to my insurance and the amount you are asking me to pay is the patient responsibility then of course I will promptly pay it ''. 
Please send me : Patient name, Service date, hospital / clinic / doctor practice name. Any record that demonstrates that the insurance was billed so that I can look up the insurance claim ''. 
XXXX XX/XX/XXXX PFC responded the same day by email and wrote Your request for an itemized statement has been logged. The request will be sent to the original creditor and PFC will respond to you by mail once the itemized statement has been provided. 
On XX/XX/XXXX I received a letter includes the itemized statement, but it was missing the insurance claim number which is a critical and a key piece of information. ( Attached file name is : Doctor bill provided by PFC ). 
On XX/XX/XXXX I emailed PFC using their website contact US and I disputed the bill again because it did not include a claim number that shows that it was billed to the insurance, and I requested an itemized statement which includes the claim number. I also wrote " The EOB is important in this case because it specifically states the patient responsibility of the amount due to the provider, the provider can bill me only for the patient responsibility amount stated in the EOB otherwise the provider becomes in violation of their contract with XXXX. 
On XX/XX/XXXX PFC responded by email and said Your request for an itemized statement has been logged. The request will be sent to the original creditor and PFC will respond to you by mail once the itemized statement has been provided On XX/XX/XXXX I emailed PFC using their website contact XXXX and I asked them to confirm if the XXXX XXXX XXXX XXXX XXXX claim number is XXXX which is the only claim we found from this provider on XXXX  website. I also listed in my email that the EOB clearly indicates that I owe the provider nothing. I detailed in my email the amounts billed and paid from the EOB. Once I sent that to PFC they never sent me any emails or letters.

Important note : I wrote in my emails : Please email me or mail me. Do not call me. PFC continued to call and never left a message.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief