Consumer complaint received 2019-05-02
Company: Computer Credit, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back in mid-XXXX, I was XXXX and recovering from the XXXX XXXX. My XXXX   suggested that I get my XXXX XXXX to make sure I didn't have any fluid in there that could develop into XXXX. Since I had recently moved to Texas and did not have a PCP, he suggested that I go to the ER at XXXX XXXX XXXX XXXX Hospital because they'd be able to do everything in one shot, without me having to wait for a new patient PCP appointment. The ER visit was less than 15 minutes. XXXX XXXX XXXX immediately saw me, got the details from my XXXX, sent me up to XXXX, where a XXXX   reviewed a XXXX XXXX and said I was all clear. XXXX XXXX inaccurately billed the visit as CPT code XXXX, a XXXX XXXX ER visit, which requires that he have taken a detailed medical history, conducted a thorough examination, and had to make moderate difficulty decision-making. He did none of these things. I appealed the bill to the hospital for the more appropriate XXXX for such a straightforward visit where my XXXX and the XXXX  did all of the work ( and they were paid separately ). The hospital kept sending me on the runaround and refused to adjust the bill saying that the doctor 's notes said he did all those things to qualify for XXXX, but they refuse to accept that I wasn't present for the doctor 's note-taking, so he could have misremembered when adding notes in later - they also refuse to share the doctor 's notes with me, the patient. This issue is currently being investigated by the Texas Department of Insurance, the NAIC, and XXXX, my insurer. 

As a result, XXXX XXXX sent the remainder of the bill that I would not pay to Computer Credit collection agency. On XX/XX/2019, I received a letter from Computer Credit seeking collection on my XXXX XXXX account # XXXX. On XX/XX/2019, within 3 days of receiving Computer Credit 's letter, I responded via USPS Certified Mail contesting the validity of the debt with a detailed three-page letter that painstaking listed all of the problems with the debt. The USPS tracking number for the mailpiece was XXXX and the return receipt shows that it was signed for on XX/XX/2019 by Computer Credit representative " XXXX XXXX '' ( handwriting was illegible ). Rather than respond to the detailed complaint with further proof, Computer Credit instead sold the debt to XXXX, XXXX, who contacted me on XX/XX/2019. 

They are in brazen violation of the FDCPA by not sending documentation to validate the debt and reselling the debt to another firm without providing the documentation requested. I have raised this matter with XXXX XXXX and get pointed to Computer Credit, who refuses to answer. I complained against Computer Credit with the XXXX   and Computer Credit lied in response, saying the mail was not sent certified and pointed the finger back to XXXX XXXX for not validating the debt. 

At best, this is sketchy and fishy medical debt collections that flirts with illegal activity ; at worst, it's downright fraud and flies in flagrant violation of the FDCPA and other federal laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation