Consumer complaint received 2019-02-03
Company: Palmar, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ-XXXX XX/XX/XXXX XXXX XXXX   DIV OF PALMER, INC. XXXX XXXX XXXX, NJ XXXX Re : XXXX XXXX XXXX XXXX/Acct # XXXX   ( XXXX ) -XXXX-Amt {$3400.00} Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act.

I am disputing this debt because I do not owe it and my insurance provider have been already paid to the XXXX XXXX XXXX XXXX XXXX  based on 110 % of the fee Medicare allows for the same or similar services provide in the same geographical area. These amounts were then subject to a 25 % reduction in benefits ( XXXX XXXX XXXX  ).

and also, XXXX XXXX XXXX ( XXXX ) appeal representative have verified that the eligible expenses/allowed amount paid of {$570.00} is correct and upholding the denial of remaining amount which is in excess of the allowed amount.

I am disputing this debt because the bill raised by the XXXX XXXX XXXX XXXX XXXX  is more than the specified Physicians ' and ASC Fee Schedule 's as per the below link and it's procedure codes.

Actual Physician fee for the below procedures XXXX XXXX DESCRIPTION Physicians ' Fees North Physicians ' Fees South ASC Fees North ASC Fees South XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this debt because I went to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) for my Child 's treatment under emergency services and all the charges incurred by hospital sources and doctors have been paid off through my insurance provider. Due to this, there is no dues pending.

I am disputing this because as I was not aware of who is the doctor that the Hospital called/treated as to me when it is an emergency the hospital as a network hospital should raise the bill to insurance and bear the cost and not the patient who has no control over the circumstances at the time and I have never been approached XXXX XXXX XXXX XXXX  doctor for my Childs treatment. Moreover, he is a XXXX XXXX XXXX doctor as shown in the website.

I am disputing this debt because XXXX XXXX XXXX XXXX XXXX was raised this bill numerous times more than the Physicians ' and ASC Fee Schedule 's cost as above stated as per NJ geographical area.

I am disputing this debt because I have been appealed this several times to the XXXX ( XXXX XXXX XXXX ) doctors and they had confirmed in writing that, what they have been paid is satisfying the same geographical area. ( Please find the copy of enclosures ) I am disputing this debt because I have never been to his location for my Child 's treatment on XX/XX/XXXX nor taken pre appointed XXXX XXXX.

I am disputing this debt because I went to XXXX XXXX XXXX  for the emergency services and they are holding whole responsibility to raise the bill to my insurance provider as a network facility including doctor 's bill. I will not accept the bill raised by consultant/employee of the organization as an individual since I am not aware of him nor authorized by me prior to the treatment. Please note that, my spouse was in hospital room with my child and waiting for doctor more than 3 hours with no treatment during that time nobody has neither discussed nor explained about the services and costs.

I am disputing this debt because I went to XXXX XXXX XXXX   emergency medical services for my child 's treatment as an entity/organization. As you all aware and studied in our childhood days that, hospital means building and staff, doctors. When insurance provider has been considered hospital is an network facility, all its properties/staff/doctors are inherited to XXXX XXXX XXXX  and based on that, my insurance provider has been settled all the dues to the concerned persons through hospital.

I am disputing this debt because I do not owe it and my insurance provider has been already paid based on XXXX XXXX XXXX  to hospital including doctors. XXXX XXXX XXXX is a responsible to clear the dues if any to their doctors and employees.

Hence, I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).

Thank you for your attention to this matter.

Sincerely, XXXX XXXX XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX  New Jersey Division of Consumer Affairs XXXX XXXX XXXX XXXX, New Jersey XXXX  New Jersey Department of Banking and Insurance Consumer Protection Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Encl : Debt collection letter Bill sent by the doctor XXXX XXXX XXXX  discharge instructions XXXX Appeal Letter

Company response to consumer: Closed with explanation