Consumer complaint received 2023-04-25
Company: MiraMed Revenue Group LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My EOB from my insurance company shows my hospital bill was covered and I only owe {$29.00}. After multiple phone calls over the past year between the insurance company and hospital, I have since mailed by certified mail and faxed my EOB and an appeal form from my insurance company to the hospital ( because they would not communicate with each other ), yet the hospital continues to claim they never received my last EOB and tell me I owe them {$4000.00}. The hospital and my insurance company will not communicate and I continue to be stuck in the middle with a very large wrong amount. 

Now the hospital has sent me to a collection company. The debt collector first contacted me through a text message which I assumed was a scam. After the XXXX text, I called them and was given an email address to send my proof and was told it would take them 2 days to process documents I send. 

So on XX/XX/XXXX, I emailed my EOB and appeal form from my insurance to the debt collectors showing insurance covered the hospital bill - no response. 
I then received my first letter from the debt collector dated XX/XX/XXXX ( which tells me they did not process the documents of proof I sent before responding ). This first letter I received was missing information they are required to include by law. They did not include : the amount owed ; that I can dispute the debt and if I don't dispute within 30 days the debt collector will assume the debt is valid, that if I dispute the debt in writing within 30 days the debt collector will provide verification of the debt, and that if I request the name and address of the original creditor within 30 days that information will be provided. 

On XX/XX/XXXX, I then emailed the debt collector the same documents again and verified they were received over the phone. I then paid to fax a copy of my EOB to the hospital along with the appeal form from my insurance company. 

On XX/XX/XXXX, I sent a dispute letter to the debt collector asking for the missing information I never received which included : the original contract with my signature, the creditor information, the payment history/itemized list, and proof of ownership. 

On XX/XX/XXXX, they mailed me the same letter as the first time still missing the information I requested along with a copy of my original contract containing my signature. On this original contract, it states the contract is valid for 1 year dated XX/XX/XXXX. 

Now on XX/XX/XXXX, I still have not received the following information from the debt collector : 1 ) an itemized list of the current amount of the debt that reflects interest, fees, payments and credits since a particular date ; 2 ) the current amount of debt when the notice was provided ; 3 ) information I can use to reply to the debt collector such as if I believe the debt is not mine or of the wrong amount ; 4 ) an end date for a 30-day period when I can dispute the debt According to the CFPB, this lack of information from the debt collector puts them in violation and invalidates the debt they are trying to collect. 

I have also filed a complaint with the No Surprise Act and Attorney General 's Office which is currently investigating my claim and proof of coverage by my insurance company showing I only owe {$29.00} and not the {$4000.00}

Company response to consumer: Closed with explanation