Consumer complaint received 2023-04-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ARS account resolution has 3 separate collections on my credit report for a company, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I did not recognize this company so I looked them up on the internet and found that it is a large group of doctors with different specialties. 
I found that I could request a letter of validation from ARS, the collection agency, which I hoped would clear this up for me. What I received from ARS was a letter stating exactly what was on my credit report-the name of the company, the amount they said I owed and the date listed on my credit file. For me to know if these are legitimate charges, l needed to know the
specific information-like the name of the doctor that they were billing me for, the actual date of service that I received treatment, where I received treatment and for what. I understand some medical information is proprietary but if they are billing me, I should have the right to know. 
I filed a complaint with the credit bureaus because I can not get additional information to verify I owe these 3 bills. The credit bureau say they can not be removed because of information they received from ARS. But what information are the receiving? The dates opened is all I have-XXXX, XX/XX/XXXX and XX/XX/XXXX. During that time, I did not have medical insurance and the only place I could think of that I wouldve gone for medical treatment is XXXX XXXX, now XXXX XXXX. 
But when I went there for treatment in the XXXX, I qualified for their Charity Program. I contacted XXXX XXXX financial assistance department and found that when they approved me for the Charity program, I owed the hospital, the treating doctors, any labs or department any money related to each visit. 
I asked the representative XXXX XXXX, if she had ever heard of XXXX XXXX XXXX XXXX XXXX XXXX and she advised me that they were the billing company for the XXXX doctors. I explained the situation and she said that if I was being billed by them for my visits to the XXXX l should not be because l qualified for the Charity Program for 3 visits close to those dates. She sent me copies of the approval letters and told me if it was the doctors from XXXX I needed to send them a copy of the approvals so they could reverse the charges. 
There were so many numbers for this company and the dates were close but because ARS refused to give me specific information, I didnt know what to do. So, I do what I often do, I just got frustrated and stopped. I have mental health issues and I have a hard time following through when I feel too overwhelmed. The XXXX  and XXXX causes me to shut down. 
I just filed another complaint with XXXX  through XXXX XXXX and was denied again. 
I am afraid that sending the approval letters will cause me more issues than l can deal with right now. Ive read about the horrible things that collection agencies do. I called ARS and asked for specific information and I was rudely directed to their website to look up the 3 collections, the lady was not very nice and eventually hung up on me. Their website says nothing more than the credit report. 
I started looking at my credit reports that I have printed and noticed that the first time I saw ARS on my report was XX/XX/XXXX along with a multitude of other collection agencies collecting for XXXX XXXX in varying amounts. The next report I had a copy of was XX/XX/XXXX and there were now 2 ARS collections listed but some of the other collections were just gone. The last one I copied was XX/XX/XXXX and thats when I saw 3 ARS COLLECTIONS but the others were all gone. 
So at this point, I have no idea if ARS was collecting for 3 visits to the XXXX  or if ARS had somehow taken over the other collections that were smaller and now changed dates for them to drop off my report. 
I dont know what to do. I dont know if these are my bills because I can not get ARS to give me specifics. I dont know if they bought other collections and combined them and dates have been changed. I need help from someone because I dont know how to get the credit bureau to understand and ARS is not helping. But I do have the letters from XXXX XXXX letting me know I was approved for their charity program 3 times. Please help me.

Company response to consumer: Closed with explanation