Consumer complaint received 2022-03-07
Company: TSC Accounts Receivable Solutions
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Good Morning, I called TSC Accounts Receivable Solutions and spoke with a representative named XXXX, who did not disclose himself as a debt collector. He told me the balance of my $ XXXX debt was $ XXXX. I asked him about the additional {$400.00} dollars added to my medical bill and he stated that the medical bill accrued interest and he is allowed to do this by law. I asked what law defends adding an interest amount to a medical bill when I never initially agreed upon having interest accrued on any medical bill I attained on my date of service with my medical provider. 

He stated that civil code- Article 15 Section 1 Part 1 supports a 10 % interest is due per year on any unpaid medical bills once collection efforts begin. I researched the statute while on the phone with XXXX and explained that after reading the statute, it states that this accrual of interest is for : For any loan or forbearance of any money, goods, or things in action, if the money, goods, or things in action are for use primarily for personal, family, or household purposes, at a rate not exceeding XXXX percent per annum ; provided, however, that any loan or forbearance of any money, goods or things in action the proceeds of which are used primarily for the purchase, construction or improvement of real property shall not be deemed to be a use primarily for personal, family or household purposes ... and that it did not state this was allowed by law. 

He then became very rude and stating that " thats neither here or there but you can either pay in full or it can stay on your credit ''. I stated that I would like to pay my balance in full but not {$400.00} more than initially agreed upon my date of service. He again became rude on the phone and began to bully me into paying, at which time I asked for a supervisor and XXXX declined. 

I disconnected the call and called back to speak with a supervisor at which time I spoke with XXXX who supported the disrespect and sarcasm of her employee and stated there is no supervisor for her although she disclosed that the owner is who I would need to complain to. I asked for her email, she stated it was XXXX. XXXX could not explain the interest due or the law that supports interest on medical bills, however out of desperation I paid the principal amount due and the illegally accrued interest. 

I am writing you today because I feel that I have been taking advantage of and refused the right to escalate the matter to the company and I do believe that their business practices should be investigated. I saw that there are currently XXXX medical collection disputes with the consumer finance department and I too want my story heard and reviewed by someone who knows the rights I may or may not have. 

Collection Agency Contact Information : TSC ACCOUNTS RECEIVABLE SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Fax : XXXX Email : XXXX Thanks Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation