Consumer complaint received 2023-06-05
Company: CCS Financial Services, Inc.
State: AR
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:
On or around XXXX or XXXX of XXXX I had to call am I lance for a fall and XXXX XXXX at that time I was unable to drive XXXX XXXX was very XXXX  and lots of pain I explained that to am Ilan e they tried to avoid the issue of XXXX XXXX being over XXXX and ended up taking me to the XXXX Around XXXX of XXXX I receive a bill from XXXX  stating insurance denied the claim where I then called Medicare who stated the company was not properly notating the information regarding the need and the code they were using was not ambulance approved! Medicare then told me to call XXXX  request they properly notate the reason for call and need and file it under the proper code and resubmit! The same employee twice told me that they did it right and they would just stick it in a folder due to Medicare would still deny it! Willing knowing they were improperly billing the whole claim and they never sent it back through Medicare! I called a month later and still had not resubmitted the bill through my insurance which I have a primary and a secondary XXXX XXXX  from the military with no need for copay or pre authorization for medical care of the claim is sent in correctly and noted the claims have never been denied! After calling XXXX three times she stated there was no need for them to change the information and that if I did not want to pay the bill so be it they would then it o er to collections and It would then affect my credit which it has done that! The day of call the need for ambulance was needed and led to worse and further damage and more rides in the ambulance to the hospital, XXXX billing department never resubmitted the claim properly to the insurance company and until they do the correct billing and submit the claim the proper way it will go unpaid! Why should I be responsible for a large bill when I have two insurances from my service to this country but since XXXX wanted to be nasty and hateful with no help at all and only threaten me about the bill after I spent time with insurance verifying there code and notation was the issue. I feel the billing department should have to delete this collection from my credit and do as I instructed them to after speaking to Medicare. Im not sure if XXXX calls are recorded in their billing department or not but if they are it can be tracked down to the employees nasty statements and the amount of time I asked them to resubmit when they only submitted the claim once and it was incorrect. Threats and damaging my credit over disregard to follow billing rights and laws is unfair on my part! My bills are always paid and I have full paid insurances to cover my medical needs so Im asking this complaint be fully investigated to the fullest and my rights to medical care and billing be applied to the amount of problems this bill has now caused me for over five months due to them refusing to following instructions by insurance company!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation