Consumer complaint received 2018-04-30
Company: United Collection Service, Inc (FL)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Good afternoon, I sent this correspondence to United Collection Service Inc & XXXX XXXX XXXX XXXX last year onXX/XX/XXXX. This is for Account # XXXX  & XXXX   according to United Collection. In a nutshell, XXXX XXXX   employed United Collection and United Collection Service is charging {$160.00} more to collect for this service which brings their amount to " XXXX. Originally it was {$950.00} and I have since sent a check of {$350.00} from my insurance company XXXX XXXX XXXX XXXX which the amount should be {$590.00} due to XXXX XXXX. I have already sent a CFPB complaint to XXXX XXXX concerning this and am waiting on a response from XXXX. With respect to United Collection, I know why they added {$160.00} to the amount to make a profit for their business which is OK. What's not OK is that no notice from XXXX XXXX between service rendered on date XX/XX/XXXX and XX/XX/XXXX and then about 6 months later this bill being sent to collections. I have already aired my grievances that other vendors/doctors/hospitals have been paid during this time with my insurance or out of my pocket. I have credit reports that detail my 100 % on time payment history for at least a decade. All the information was there for XXXX XXXX but we never received a letter or a phone call. This complaint is specifically for United Collection because the debt they bought is on shaky and not honorable ground due to XXXX 's negligence. I spoke with XXXX at United on XX/XX/XXXX and they stand on the amount of " XXXX '' and the true amount owed. United Collection is not willing to negotiate.

The ideal resolution for this is that United Collection and XXXX XXXX have to reconcile this problem and all I'm willing to pay is {$590.00}. Another ideal outcome is this not to be reported to any credit agency and if it is it will be disputed.

**ORIGINAL DISPUTE LETTER SENT XX/XX/XXXX** Good evening, My name is XXXX  and Im XXXX husband. I will speak on her behalf concerning this matter. Ill get straight to the point : this debt is not valid and never has been in the first place. Insurance has been available for my son XXXX  since he was born ( XX/XX/XXXX ). He has been insured by XXXX XXXX XXXX XXXX and with some exception XXXX  through his mothers insurance. XXXX XXXX Hospital ( aka XXXX ) has supplied both insurances for several claims. Almost all claims have gone through successfully since my son was admitted to the hospital in XX/XX/XXXX. XXXX XXXX XXXX XXXX of South Carolina has had to take these claims at this point in XX/XX/XXXX because XXXX ran out of coverage for my son. XXXX  had a policy of only covering the mother which is fine since XXXX XXXX XXXX XXXX is covering my son. Long story short, XXXX  has covered all claims except for XXXX XXXX.

With regards to the claim made by XXXX XXXX, XXXX XXXX ( XXXX ) DID NOT supply XXXX  insurance information at the time these supposed claims were made ( XX/XX/XXXXacct # XXXX & XX/XX/XXXX acct # XXXX ). The information given to XXXX XXXX was XXXX which Ive explained earlier is not valid insurance. Therefore, not acceptable payment for this service. Dont ask us why XXXX did not supply XXXX XXXX  with valid insurance. We called XXXX and they claim all insurance was handed out. Also, XXXX XXXX has been sending MAILED correspondence to an address we havent lived at since the end of XX/XX/XXXX Our old address was XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX and our new address is XXXX XXXX XXXX XXXX XXXX in the same city. A phone call wouldve gotten our attention and I promise you XXXX  had that information for any claimants. I claim XXXX XXXX has been negligent in collection for this claim.

I did speak with XXXX at XXXX XXXX on XX/XX/XXXX and I explained to him the problem with getting the wrong insurance company. He made a claim with XXXX as soon as I supplied that info to him. On XX/XX/XXXX, XXXX sent me a check for {$350.00} and I sent it to XXXX XXXX. I did speak with XXXX at United Collection Service , Inc on XX/XX/XXXX and I let him know his companys collection action is not valid and will not be honored because we had insurance at the time of service. With respect to United Collection Service Inc, I know you are a business attempting to make a profit but the amount of {$1100.00} will not be paid. Instead, the original amount of XXXX  will be paid through XXXX and any payments will be sent to XXXX XXXX. As it stands, XXXX XXXX  is due XXXX. I have made a claim and am in correspondence with XXXX to get that amount. If United Collection Service , Inc does put this on my wifes credit report, it will be disputed.

XXXX  : XXXX  had insurance all along. XXXX  did not supply the right information and XXXX XXXX was negligent in communication. A phone call wouldve fixed all this. By the way, its XXXX.

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