Consumer complaint received 2022-07-18
Company: AMCOL Systems, Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a large medical bill. I have been paying monthly payments that are automatically deducted out of my checking account. Last year or so I received a letter in the mail saying that I was in collections and I was going to have a negative impact on my credit score because I was delinquent in paying my medical bill. When I spoke with the person he was very rude, nasty and said that I was in collections because I did not pay. I explained that this was wrong because I have a monthly payment plan and the money is taken out of my account automatically. He told me that I had to pay almost {$900.00} otherwise it would show up on my credit score. I paid it even though I did not have the money, that was the whole reason for having a monthly payment plan. I still owed money after that I continued to have monthly payments automatically taken out of my account. XX/XX/XXXX I paid off the balance with my new XXXX  card that i have with me new employer. XX/XX/XXXX I paid {$920.00} with my XXXX  card. but then I was notified by the XXXX that I could not do that because XXXX  was only to be used for new accounts/bill from XXXX. I called Amcol and explained this to them and asked them to refund the payment. I was told that the payment had not gone through yet because it was still pending so I was all set. Amcol was taking monthly payments from my account. I called Amcol again in XX/XX/XXXX and they said that the {$920.00} payment did not go through and that they were taking money automatically out of my account. In XXXX I tried to use my XXXX card for a bill and it was declined. I was told that it is declined because of the {$920.00} payment to Amcol. I called Amcol numerous times and all I could do was leave a message, I left messages with my info and contact info. I never heard back. There were 2, 3 way phone calls made to Amcol by my XXXX  with me, anthem and Amcol to fix this situation the calls were in late XXXX and in XXXX. We were told that they would be refunding me the {$920.00}. So, they have not refunded the {$920.00} and they are still taking monthly payments out of my account. They are taking monthly payments out of my account even though this debt was paid off at this point since they did get the money from my XXXX  that they supposedly never submitted. Also, I explained to them that they have not send me a statement since XX/XX/XXXX and they tell me that they don't send statements for long term payment plans. They have been paid in full and they are taking monthly payments out of my account. No statements showing what I have paid or what I owe. I called them last week to get a status and they told me a check was sent XX/XX/XXXX. I just received a check and it was for {$80.00}. They are in a sense, stealing my money at this point. I have filed a complaint with XXXX  and I am going to contact my state representatives and delegates and will have to get a lawyer. All of this is unacceptable. I am hoping someone will help me with this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation