Consumer complaint received 2018-04-10
Company: R & B Corporation of Virginia
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX I was hospitalized for a XXXX XXXX. We are an XXXX XXXX military family covered by XXXX. I went to XXXX XXXX XXXX XXXX ( in XXXX, XXXX, VA ), which was the closest ER to my house. I was stabilized and transported to XXXX XXXX XXXX XXXX. The ER was given my insurance information at the time of my car. They later sent me a bill for {$600.00}. The first time I contacted them I informed them that the bill had not been sent to insurance, and to please do so. They confirmed my insurance information and said they would. This happened a second and third time. I never heard anything additional after the third phone call, so I assumed the bill had been paid by insurance.

On XX/XX/XXXX the {$600.00} went to my credit report. First, my understanding was that they wait 18 months before reporting a medical debt to your credit report. It has been 17 months. Their debt collection on my credit report claims the date of service is XX/XX/XXXX, however the dates of service were XX/XX/XXXX and XXXX. Not XXXX. Second, When I called XXXX XXXX XXXX ( of XXXX XXXX, VA which is the collection agency ) to try and speak with them about the debt, the woman was extremely rude. I again told her this was supposed to be submitted to insurance. She stated it had been submitted to XXXX and denied. I then asked her, per the Fair Credit Reporting Act, to send me written proof of the debt, proof that it was in collections, and proof of the claims that had been submitted and denied by insurance. She refused to do so. I asked her for the account number for this debt collection and she refused to give that to me also. I asked for the claim numbers that were submitted to insurance and she refused to give me that. She stated that I had known about the debt and that they had sent me written information on it already ( which I have never received ). She then hung up on me while I was attempting to explain to her that she was required to give me this information per the FCRA. 

Admittedly I was a little snippy, but her behavior is completely unacceptable. I then called XXXX, who confirmed that the dates of service were XX/XX/XXXX, not XXXX. They also stated they never received a single claim from XXXX XXXX XXXX XXXX. They received claims from the medical transport company ( I had to be transported by ambulance to the XXXX Hospital ) and the XXXX Hospital, but had never received one claim from the ER - denied or paid. 

XXXX XXXX XXXX not only refused to provide me with information that they are required to by law, they also lied about the date of service and lied about submitting the claims to insurance. The woman hung up on me when I tried to site the FCRA and refused to provide me with any information concerning the debt. 

XXXX is sending both XXXX XXXX XXXX XXXX and myself all claim documents that were submitted for this incident in XX/XX/XXXX. Not a single claim was submitted from the ER.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation