Consumer complaint received 2020-03-01
Company: Waterfall Revenue Group
State: DE
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:
First I received a letter years ago maybe XX/XX/XXXX/XX/XX/XXXX from XXXX XXXX  about a balance they claimed I had for XXXX XXXX  test they stated I got done for {$1100.00}. I called to get it situated countless of times telling them that Ive ALWAYS had health insurance through XXXX  XXXX XXXX XXXX ( XXXX ) and if this balance is mine I can show prof of coverage and it should be sent to the insurance company. I have never had a problem with any other medical companies! 
I had and STILL HAVE 0 knowledge of this but I called my insurance company anyways and spoke to a MANAGER letting her know my plight and she indicated that I was covered and to go to XXXX and give them my card. I than gave the lady ( not sure her name now ) front desk my medical card she made a copy because she said the system was down. She stated everything will be updated and that was it. About 6 months later I get a letter form a collection agency ( not the current one ) I called and spoke to a older woman and tried to explain to her once again I have insurance and gave her the number and she states shell reach out and I never herd anything else about it. Checked my credit a few months later & seen it was on there. Then get another letter from a new company called A-1 Collections and called that company AGAIN, asking for manager I spoke to a Man at this point who said he had 0 information about my medical card given to the previous company and at that point I need to pay or my credit will be destroyed and theres nothing that can be done because I should of gave the card information before it got to collections. I tried to explain to him I did! he asked me what insurance I had I told him XXXX XXXX XXXX ( Community Plan ) he was then VERY rood and stated it will report for 7 years and I  told him that I will dispute it because thats unfair I had insurance! He then askeD again, WHAT insurance do you have again? I told her XXXX he than said Oh ( very roodly ) well, have someone from XXXX call the 800 number other then that it will remain on my credit and I will show delinquents payments unless I can workout a payment arrangement NOW, I told him I was covered! This man says I speaks to people like you all the time and Im not buying that I told that man they cant call out as I have already asked if they can do a conference call but I was told they do not have the capability to make out conference calls and that its part of a HIPPA act. I felt totally dismissed & judged because the way she treated me when I told him I had XXXX. He was dismissive, condescending and ignorant. 
I have been disputing this medical bill with each credit bureau every since and they have been given me a hard time even after I contacted the insurance company and asked them to send me prof I was covered when I had XXXX XXXX XXXX and sent it to them. So last year I get a letter from a new collection company that took over and I immediately called them and gave them my NEW address ( my old neighbor gave me this letter ) and told them the situation and they a woman told me to give her the phone number to XXXX, old policy number, Grp number, etc and she would take care of it, and if I dont get a call back all was cleared up and apologized for all the run around. 
Nothing was every done Ive called and no one has done a thing and Ive resubmitted a new updated letter I got from XXXX  SHOWING my coverage dates and still nothing has been done. Last update I got is that the collection agency stated the amount is correct. Again, I was covered and this should of never been on my credit. I dont know what else to do, no one is helping me. I was told this is my next step. 
Collection agency : A-1 Collections Original creditors : XXXX XXXX XXXX   Balance {$1100.00} Reported : XX/XX/XXXX Last reported : XX/XX/XXXX Responsible : Individual

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation