Consumer complaint received 2020-10-30
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Yesterday, XX/XX/XXXX, I received to calls in a row from XXXX and no voicemails. Later that day my sister and brother called me cause they were reached out to by the same phone number. I called the number back and learned it was NAR. I spoke with a girl. She said they are collecting a debt from an emergency room visit in XX/XX/XXXX. This was shocking to me as that was so long ago and I don't remember that at all. I tried asking her questions about it and she was extremely rude and just kept saying that they've been trying to contact me for a long time and even served me in XXXX. I asked for proof of this cause I honestly couldn't remember what this is even about. I asked for a statement and she said they've sent plenty of statements. I have lived at the same house for the last 8 years and so it's not like I've been hard to get a hold of. I just wanted proof that this was my debt. She told me that there is nothing I can do at this point cause it already has a judgement and they are going to start getting my wages garnished. She repeatedly cut me off and said you can either pay it or have it taken out of your check, that I've been given ample notices of this debt, and that it's just incurring XXXX  % interest. I understand that being a debt collector wouldn't be an ideal job, but she was extremely rude to me and really thought it was a joke cause I said, if this is mine, I will take care of it I just want to know more about it. She finally said she would email me a statement. She never did. She kept telling me that were seeking a judgement and this was going to a lawyer, then she said they have a judgement already ... it was all over the place. 

I did call XXXX XXXX XXXX who did verify that I was the patient. They couldn't give me any billing statements or what services were done that day since it was so old. 

I again reached out to NAR today, XX/XX/XXXX, because I do want to resolve this and to get a statement. I requested to speak with someone different because I did not want to speak with the girl from yesterday. I spoke to a male supervisor. I explained everything from the day before and that I just wanted a statement and to see what we could work out. He started going through his " debt collector script '' and said that they've been reaching out to me numerous times. I asked for specifics cause I've had the same phone number, address, and employer this whole time. I said that I have my phone records to compare with theirs. He said they don't have to give me their phone records or any records they have all the time they have tried to collect. I asked when the last time before yesterday, that they reached out to me. He said numerous times in XXXX. I kept pressing for specifics and he finally said they have tried once a year. I asked when they contacted me in XXXX and he admitted that XX/XX/XXXX was the first time they have tried me since XXXX. I asked what took so long and they said they have thousands of accounts to work. Once they tried me in XXXX I went to the bottom of their workload and sometimes it takes a long time until they work on my case again. I asked for a statement and I finally received one. 

And all this time interest has continued incurring. The original debt was {$160.00} and is now {$760.00}. I asked if there could take some interest off if I can pay in full and be done. They said no cause either I can pay that or they will get that plus more getting my checks garnished. I am fine paying my debt, but I don't feel like the interest and fees are reasonable at all, especially where they won't send me proof of " all these collection attempts ''. There wasn't anyone else I could talk to as they are pretty rude and condescending at this company. They said I can't dispute anything or work out any deals and my interest is going to keep incurring while I make payments.

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