Consumer complaint received 2019-11-04
Company: TekCollect Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was receiving dental insurance from XXXX  while working at XXXX XXXX, in XXXX IL from XX/XX/XXXX - XX/XX/XXXX. When I ended my employment with XXXX on XX/XX/XXXX, the exit document provided to me stated that health/dental/etc coverage would be available through the end of the month, i.e. through XX/XX/XXXX. As such, I received dental services at XXXX XXXX XXXX on XX/XX/XXXX. However, XXXX terminated my coverage on XX/XX/XXXX and thus my {$320.00} charge was denied by the insurance company. I didnt find out until XXXX of XXXX. I moved to XXXX and the dental office was sending correspondence to my old address ( in XXXX ) and it wasnt getting forwarded because they had spelled my name incorrectly ( which disputes the validity of their paperwork, for one thing ). I found out when someone who lived at my old address notified me about the mail. I then began corresponding with the dental office via email. 

Furthermore, in addition to the charges for the XXXX, XXXX  denied multiple procedures that their documentation claimed they covered 80 % because they deemed them unnecessary despite the dental office providing x rays and medical information to prove otherwise. This is a known scam by XXXX, as they provide no evidence or documentation and force customers to either except their bogus denials or go to small claims court. 

I attemped to explore my legal options and attempting to find resolution with the XXXX  or the ethics team behind XXXX. The dental office is also to blame because they printed me a bill at the time of service claiming that the insurance was covering $ X and claiming that the cleaning services they provided were absolutely necessary. 

The office told me they were continuing to correspond with XXXX  to try to appeal the issue, and then in XXXX of XXXX I found out they had turned the amount over to a collection agency. 

Again, none of this correspondence actually made it to me, I just found out via communication from the inhabitant of my old home. 

I disputed the letter from collections, Tek Collect, in XXXX of XXXX and never received another correspondence. Then, yesterday, I see that it was posted on my credit report. 

Thus, XXXX XXXX and XXXX failed to resolve the issue with XXXX like they claimed they would do. I did not receive any notice of this because their offices didn't even have accurate paperwork, and didn't know my name to send me the notices. TekCollect also did not have the correct address for me, or name, which brings further question to the validity of these claims and their accuracy. 

Attached, you will find two email threads with XXXX XXXX as well as the only response I received for a claim I submitted to XXXX. This is an overview of the charges and this is an overview of their responses. ( This is all copy/pasted from the online portal. ) I've also attached downloads of the various bills. Finally, I am attaching a response I received from XXXX regarding my submission to the XXXX. Highlighted, you can see that their " dental director '' claims XXXX XXXX and XXXX is not evidence. However, the dental office determined the exact opposite. 

I also submitted a claim to the XXXX : https : XXXX.

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