Consumer complaint received 2021-06-22
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019, I visited a XXXX facility for lab tests. While there, I signed a document titled Patient Acknowledgement of Estimated Financial Responsibility, which I can provide a copy of. The XXXX employee attempted to clarify the meaning of the document by informing me that the dollar amount listed, {$250.00}, would be the maximum amount I would be responsible for paying out of pocket as it was known that my health insurance was not going to cover any of the labs being done that day. The XXXX employee assured me since it was known that I was covering all the costs that they looked up what the costs would be, provided it in writing, and said that it would not exceed the estimated amount and my credit card was billed the {$250.00}. On XX/XX/2019, a letter indicating that my credit card had already been charged for {$250.00} and then stated that there was still an outstanding balance of an additional {$460.00}. I understand an estimate being off by 10 % to 20 % but now the total out-of-pocket responsibility is nearly 300 % higher than the original estimate. My decision to undergo medical tests through XXXX was based on the estimated pricing and a XXXX employees verbal statement regarding the maximum amount that would be billed. Since then, I have asked repeatedly and with the help of an attorney for a breakdown of the lab test costs showing where the difference is as they still have not provided. I don't think it's fair that my bill is 300 % higher than what was estimated and they will not provide a breakdown of each item so I can see where the discrepancy is. After numerous requests for information to try and resolve, XXXX XXXX never responded. They have sent it to collections and are now reporting on my credit. My attorney did send a letter to Radius Global Solutions, LLC within 30 days of a collection letter stating that I disputed it. In disregard to the letter that was sent, Radius Global Solutions, LLC is now reporting the collection to the credit bureaus. 
I always pay my bills and had an XXXXcredit score prior to this. I don't mind paying what I am responsible but this has been plain deceitful and fraudulent. I have several letters that were sent to XXXX XXXX asking for a breakdown of the cost of the lab test that they never responded to. The issue is : how does it go from patient paying for 100 % of the bill, insurance paying 0 % of the bill and it being estimated at {$250.00} to then, patient paying 100 % of the bill, insurance paying 0 % of the bill ( no change ) and now there is an additional {$460.00} being billed on top of the estimated amount of {$250.00} that was already paid. This does not seem to be a fair disclosure and is very misleading to the consumer. Consumers need to be able to make an educated decision on correct and non-misleading information. I feel that XXXX should be responsible to stand behind what they disclosed to me ( both in writing and verbally ). If that is not going to be the case, I would like an itemized list with the breakdown in cost and an explanation of why the final cost for each item is so much different than what was estimated. Radius Global Solutions was provided in writing that it was being disputed and disregarded and is negatively impacting my credit. 

In doing research, I see many complaints similar to this and some class-action lawsuits. This is just not right. I am honestly trying to resolve this in a fair manner. But they are refusing to cooperate

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