Consumer complaint received 2021-04-21
Company: Bureau of Accounts Control
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be informed that over the last several months I have sent communication to the XXXX, XXXX, and Bureau of Accounts collections company. I explained that the the information being furnished about me is inaccurate and I asked them to STOP reporting this information because it causing me too suffer financially. This account is causing me to miss out on the low rates that other consumers were able to secure.If you look at my credit, you will see that I have been trying to get a mortgage and this account comes up as a problem. Besides this account, my credit has NO negative reporting across all 3 credit bureaus.I also communicated with Bureau of accounts collections company to review the paperwork they have about this account and send me copies of this information. They mailed me a list of charges but no signature on the paperwork, no payment information, no authorization of services, nothing. I clearly asked Bureau of accounts collections to STOP reporting this account as it is inaccurate. Violates my rights and is causing damage to me emotionally, financially a is a great embarrassment to me and my family as we are not able to move forward with our mortgage application. I explained I do not owe them {$860.00} balance and this is an error. I explained that if this account is not removed, I will file suit seeking damages for the missed interest rate that I could have gotten if this account was deleted in a timely fashion, {$1000.00} for violation and reporting inaccurate information about me, I will file for emotional stress and embarrassment, and for all attorney fees that have been incurred. 
I will also file a suit for each credit bureau that allows the Bureau of accounts collections company to continue reporting this inaccurate information about me. ( XXXX  and XXXX  ) This account came back ILLEGALLY verified from the credit bureaus and Bureau of accounts collections. They did not verify the accuracy of reporting and they responded in writing which I have a record of. I am writing the CFPB for help with this case before I sign the retainer agreement to file suit regarding this matter.I am going to explain this in detail. I do not owe {$860.00}. This amount is broken up into two different service codes. 
- XX/XX/2018 XXXX XXXX ( XXXX XXXX for {$260.00}. My insurance company said that because the Urology office is In-Network, that amount they are not supposed to bill to the patient as the charge is contracted with the insurance provider as the In-Network cost, and no additional amount should be billed to me for that service. 
- XX/XX/2018 XXXX XXXX XXXX XXXX XXXX for {$600.00}, the insurance company does not have any record of the dr. office submitting that claim for services on that day or for that amount. They said that because they are In-Network, You are supposed to first submit a claim to them and if they deny it, only then can they bill the patient. They said that In-Network providers shouldn't bill patients w/o first going through insurance. This is the first violation for In-Network billing practices. AND it's flat-out illegal since they've already contracted for a set price for that service as an In-Network Provider. I also called the Bureau of accounts control to explain the situation and they've asked that start getting them all types of paperwork and information regarding this debt they alleged I owe. I asked them to do this originally when I first wrote them and they did not. I had to go behind them and request this information. Even after they did not complete the request, they still divide to report this account on the credit EVEN WITHOUT VERIFYING OR SUBSTANTIATING THIS DEBT. I will produce the information I have to the CFPB to hold accountable everyone who is ignoring my requests and everyone who is involved with causing me harm. Attached you will find a copy of the EOB ( Explanation Of Benefits ) for the {$260.00} charge where it shows {$0.00} due by me. I've highlighted the charge in yellow and you can see where it says '' {$0.00} owed by me ''. 
For the 2nd charge, they said to explain in the letter that the provider didn't submit a claim for this and the insurance company has looked in multiple systems/places/archives and does not see any record of a submission for the {$600.00} claim. Because they are an In-Network provider, this is a violation of their contact with the insurance company as they have to submit all claims to them first before billing directly to the patient. For this, they've asked that I provide a copy of my insurance card ( front/back ). All I have is my current insurance card, not the one from 2018. They can use this to verify and validate that they are collecting a legal debt. They did not request the appropriate information causing unnecessary harm to me and my family during this state of emergency. The insurance company has 3 claims in total from the provider, so clearly they had the information, they just didn't file the claim, and the Bureau of accounts control did not do their due diligence as requested. This negative account is the only account on my credit. This is causing severe damage to my FICO score and preventing me from getting the rate I deserve. On a house that costs $ XXXX, the difference of half a percent will cause me to suffer over {$100000.00} over the lifetime of the loan.

Company response to consumer: Untimely response