Consumer complaint received 2023-09-30
Company: Radius Global Solutions LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX sold off an invalid debt for a claimed {$510.00} to debt collector Radius Global Solutions LLC ( case XXXX ) despite ( owner of XXXX XXXX XXXX ) XXXX  XXXX XXXX corporate billing having admitted ( in calls I have recorded ) that they would resolve/ absolve me of that alleged debt ( even specifically promising it would not be sent to a collections agency ) after admitting ( in those recorded calls ) that such an alleged debt was caused exclusively due to their own negligence and misconduct ( the likes of which they hadn't seen in decades, according to their staff ). 

Worse still, XXXX XXXX  XXXX ( as well as XXXX XXXX XXXX  ) *actively obstructed state, federal and insurance investigations* cases for 2+ years ( costing me hundreds of hours of wasted time and far more in loss of work ), depriving me of my rights under WA state law ( XXXX XXXX ) to independent insurance claim review, in order to cover up their misconduct, obstructing investigations including : 1. A federal ( U.S. Department of Labor / Employee Benefits Security Administration case # XXXX ) investigation 2. A state ( Washington State Office of the Insurance Commissioner case # XXXX ) investigation ( which referred and escalated to federal due to failure to comply with WA State Laws and failure to provide required information by deadline or at all, directly or indirectly ) XXXX. The initial insurance claim ( XXXX XXXX XXXX  claim XXXX ) XXXX. Every attempt at insurance appeal, where lied about what was submitted, when submitted, and even whether submitted anything at all, until after each deadline had passed, resulting in no real re-review ever occurring ( or process not even being initiated at all ). 

All this resulted in my *never having a single review* of anything but the lacking original claim ( which failed to include the required information such as surface treated, despite promises it would ) without even a single simple confirmation of whether a crown was done for the reason it was rejected ( as " cosmetic '' ) when it was clearly due to pain preventing me from being able to eat in an emergency procedure done for fractured tooth. 

Worse, this resulted in my never having an Independent Review ( as required by WA State Laws ) due to failure to meet WA law mandated deadlines ( despite repeated promises by XXXX XXXX would submit materials needed for that in time ). 
And when XXXX XXXX XXXX and XXXX XXXX WA refused to acknowledge the mandates imposed by the state laws, reviewers, and agencies, WA Office of the Insurance Commissioner escalated this to a federal case, where again XXXX XXXX XXXX failed to provide the required materials ( or any at all ) in time for the deadline. 

Smile XXXX XXXX lied about having submitted a dentist-requested final insurance appeal until after the deadline for that had passed, and lied about having submitting the required confirmation from the dentist as the validity of the insurance rejection and lied about having ever submitted any info other than the original claim. 

In a further attempt at obstruction, after I told XXXX XXXX XXXX I would report their conduct to CFPB, XXXX XXXX then sold off the alleged debt ( despite having admitted being the cause of it and that it would be resolved instead of being sold off ) in an apparent attempt to prevent themselves from being the target of further investigation. 

Also, the collection agency mailed me about this alleged debt with further inaccuracies by claiming it is related to a XXXX XXXX ( a dentist that never even worked for XXXX XXXX XXXX during the timeframe they are claiming and never even provided such a treatment as claimed ) showing yet more inaccuracies or attempts to obfuscate. 


Specifically, XXXX XXXX XXXX corporate billing ( after conferring with their director ) has admitted ( in agreed to recordings I have of the calls, and after her confirming with a director ) ( and substantiated by dozens of pages of documentation, copies of claims and chart notes submitted, many other call recordings to XXXX XXXX XXXXXXXX and XXXX XXXX corporate as well as emails and investigator communications and state and federal cases ) that XXXX XXXX XXXX : 1. Would resolve & absolve me of that alleged debt 2. Were liable for that alleged debt themselves due to their own admitted negligence 3. Would not send any debt to collection agencies 4. Their own negligence resulted in this alleged debt 5. That their misconduct, lies and negligence rose to a level " never before seen in an over decade-long career '' 6. Would provide needed materials for federal & state investigations, insurance claims and appeals by required deadlines ( which not only missed but failed to provide any of the required materials for at all ) 7. Would promptly respond to me after providing those materials ( repeatedly those that promised to follow up never contacted me again and never provided any such materials ) 8. Would initiate a final appeal with XXXX XXXX XXXX  ( which never did, and worse, lied to me and told me they had, until after the deadline had passed, and which was needed because failed to provide any clarification at all for any of the proceeding appeals ) needed to state & federal investigators 9. Would provide materials for state and then federal investigations into this and by the deadlines required for it ( which never did, directly, indirectly, or ever ) 10. Failed to initiate a final insurance appeal ( as only the dentist could do ) after failing to submit any additional materials or attempted clarification ( or any materials for appeal attempts since ) despite the promises that they would and lying to me that already had until after the deadline for doing so had passed. I have emails and call logs proving they even asked what materials to include in those follow-up 2nd attempt at appeal ( after failing to provide them in the first appeal ) and which show that I was lied to about what would be, had been, was in, and whether anything at all was submitted to insurance and to state and federal investigators. 

11. Would get the simple confirmation needed from the dentist herself ( XXXX XXXX XXXX ) of whether or not the insurance claim rejection reason was accurate ( as it clearly was not ) and submit in time for each of the investigations and attempted appeals, and then failed to do so in each and every case ( and even prevented me from communicating with my own dentist, despite the promise of her calling back immediately that same day regarding it ). 

Below is just one of dozens of example of admissions of negligence and admitting responsibility for the alleged debt and promises that will resolve or won't hold liable for it ( and of promising, delaying until past deadlines, lying about what had submitted or will submit, etc ) of which you can find many more examples in the uploaded email thread attachments : When it became clear that XXXX would be no help, due to willful negligence on her part, and repeated lies by herself and her staff, XXXX, at XXXX XXXX, on XX/XX/2023 promised " with the full support of XXXX XXXX XXXX '' to deliver by no later than XX/XX/2023 the required information and correct this issue. With the full support of XXXX, she said, XXXX admitted to XXXX XXXX being at fault for this with repeated lies, failures and gross negligence and promised swift correction of it ( all in a yet another recorded call of the mountain of evidence of I have substantiated this ), after reviewing the evidence and timelines, but no response of any kind ever occurred. And then XX/XX/2023 deadline was missed as well. 


In summary : All that was needed for XXXX XXXX XXXX to get paid by insurance was to mention the treated tooth surfaces ( as a previously untreated surface according to my call to insurance and confirmation with the dentist prior to treatment ) and the reason for the treatment ( due to pain requiring an emergency procedure, scheduled next or day after, encroaching on lunch, due to emergency nature and severity of pain ) which the dentist and front desk promised would do before treatment had begun and which XXXX XXXX had promised to clarify in dozens of cases ever since, and yet has failed to do so even once in the XXXX years of attempts and investigations and failed promises of even simply replying to confirm that an emergency procedure on a tooth fractured on an unchewable object to address pain preventing me from eating was not a " done for cosmetic reasons '' procedure. 

I have and can submit a substantial amount of evidence ( though larger than XXXX attachment size limit here ) of call recordings ( authorized by all parties ) of XXXX XXXX corporate billing admitting ( after conferring with a director ) to negligence and financial responsibility for the debt and promises to resolve or cancel it and to not send to collections agencies, as well as authorized call recordings with XXXX XXXX and XXXX XXXX XXXX in which staff, managers, directors repeatedly promising to deliver required materials for state and federal investigations and to XXXX XXXX WA insurance as needed for claim approval and re-review and required for WA law mandated independent review and promises and lies delaying until past each deadline for investigations, claims and appeals and evidence of promises of dentist to respond to me immediately with info needed for deadline followed by their obstruction of that seemingly in order to cover up their admitted negligence.

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