Consumer complaint received 2020-06-11
Company: Midwest Recovery Systems
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX balance billed be for an emergency room visit on XXXX. 
According to the EOB from the insurance company I should not have been billed. 
I called and was told not to worry it would be adjusted on the next statement. Received a few more statements, then stopped receiving anything. 
XX/XX/2017 I receive a letter from a lawyer regarding this same bill. I did not initially remember so I disputed via fax and asked to send supporting documentation. I received nothing and sent another fax on XXXX stating that I had not received anything and considered the case closed. 
XXXX I receive a notice from XXXX XXXX XXXX XXXX I called and spoke with XXXX XXXX found out what it was for. Called XXXX XXXX and questioned about it.I spoke to XXXX who informed me that I shloud not have been balance billed. Followed up several times and was told that the " XXXX XXXX XXXX '' XXXX XXXX would be notified and would have to pull it from collections. 
I followed-up several times with XXXX I spoke with XXXX and his supervisor XXXX who all promised me that it was being escalated and it would be pulled from collections. 
I called XXXX back on XXXX and spoke with XXXX XXXX and asked her to call XXXX to verify - she refused to call. 
It showed up on my credit report and I disputed it. It was removed. 
I did not hear anything further. 
On XXXX I got an alert that there was a change in my credit report. 
XXXX XXXX XXXX added a collection to my credit report and it tanked my credit 19 points. I immediately called XXXX at XXXX XXXX  - XXXX XXXX - no sound I called back and spoke with XXXX XXXX who could not find anything using my SS # or my last name. I was transferred to XXXX XXXX who told me this was from a hospital visit on XXXX. I informed him that this was already resolved years ago. I also asked why they never bothered to send me something in the mail, but instead hit my credit report. He claimed that they did not have to. He gave me an email to send the proof that I did not owe this. 
The insurance I had at the time was XXXX XXXX which was dissolved in XX/XX/XXXX. I have tried to contact them regarding a copy of the EOB to prove that I should not have been balance billed because I have pulled these papers out so many times, I can not find the original EOB. 

I also intend to write to XXXX and the XXXX Attorney General. 

I pulled out what ever I could find from XX/XX/XXXX and called XXXX XXXX again, this time I spoke with XXXX XXXX who told me that indeed their records show that this was supposed to be pulled back from collections. She was going to escalate it to her boss XXXX XXXX so that XXXX the " Credit Agency Liason '' could remove it from collections. 

Midwest, even though I told them that this was not owed, hit my credit again on XX/XX/XXXX this time with a late payment so yesterday my credit tanked another 9 points. 

This is a nightmare of illegal billing.

Company response to consumer: Closed with explanation