Consumer complaint received 2019-08-01
Company: R.M. Galicia, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2019, I received a alert via my email regarding a collection. I had no knowledge of any of my bills being submitted to collections because I pay on time. Therefore, I checked my credit reporting and saw this particular company wih a balance of {$100.00}. I called this collection company and spoke to a XXXX  and she stated that they mailed out information to my old address in XXXX XXXX. I informed her that I did not reside at that address and then asked who did I owe? She stated that I owed medical services to XXXX XXXX XXXX. I told her, that is odd because I have not received a billing and/or reminder of the payment when I went for my check up back in XX/XX/XXXX. Plus XXXX had my correct address in file. She stated that they reported it for collection, I then said, well that is incorrect because I have not received a notice. She asked if I was going to pay the amount and I said yes but to directly to XXXX, not this company. She then stated that I had additional bill of {$600.00} and made it seemed as I knew of it. I told her, if I did I would have paid it via my Health Saving account. She told me that once I pay the amount it would reverse, that amount was XXXX. After hanging up with her, I then contacted XXXX XXXX XXXX XXXX and spoke to XXXX. I inquired about the {$100.00} and he said that the total amount pending was {$600.00}. I told him that collections agent to me that was another bill and he said no, that the {$600.00} included the past dues. He informed that notices were mailed out to my XXXX   address and I told him that I did not received any mail. He explained to me the options of submitting notices and he also told me that via my insurance I can get notice. I told him that I did received notices from my insurance but the end result on the notice was '' you might owe? '' this is not clear indication of what I owe or not. So do I or don't I owe payment? He could not answer, I further told him, since I do have XXXX account and have previously paid on the XXXX  portal why didn't I get a notice of a pending bill, not an invoice just a notice. He told me because of the HI privacy, but yet my mail gets lost and can be opened by a stranger. Nonetheless, I said I had gone to the doctors in XX/XX/XXXX and no one told me of a balance. I then told him that I would pay {$500.00} and the reminder on the XX/XX/XXXX and change my billing to email, I then ask he they were going to notify the collection agency and he said yes. On XX/XX/XXXX, I get another alert of {$390.00} and I called and spoke to XXXX and he stated that it was two bills, but I told him that how is it two bills when I had paid {$500.00} and he said for service and I told him service I already paid. This agency did nothing to contact XXXX  on the issue. I then called XXXX  and spoke to XXXX and he said that only balance was {$100.00} with notes of payment on the XX/XX/XXXX. I told XXXX  that agent at the collection agency showing {$360.00} and XXXX  from XXXX said no that is incorrect and they did not contact us for clarification. I told this is an issue and the consumer is always getting the bad end of the stick. XXXX requested me to contact the Agency, but I told him I was going to file a complaint.

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