Consumer complaint received 2022-08-24
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/22, I received a letter of debt owed to XXXX XXXX  from Frost-Arnett Company XXXX XXXX, TN. On XX/XX/22, I called and made a payment of {$25.00} for ( 5 ) small accounts from a XXXX, thinking these are so small and I could have overlooked these items as I healed. However, I questioned the {$260.00} bill to XXXX XXXX due to meeting maximum out of pocket and copays pre- and XXXX I explained to Frost-Arnett on XXXX XX/XX/22 call that I will be reaching out to XXXX XXXX XXXX XXXX to resubmit the XXXX XXXX bill and never had any follow-up from Frost-Arnett after this conversation XXXX No additional correspondence or phone call from Frost-Arnett led me to believe the XXXX  bill had been paid. 

On XX/XX/22, I received a credit alert that an unpaid debt was reported. If you pull all of my credit reports, you will see ( XXXX ) late payments for over two years. Please compare this to a XXXX search for Frost-Arnett with 72 reported ratings, leaving their agency a customer service satisfaction of two stars. It appears I am not alone with the following complaint, with other consumers reporting similar issues with Frost-Arnett. 

I went online and submitted a complaint to Frost-Arnett on XX/XX/22. I followed up with a phone call to Frost-Arnett on XX/XX/22, speaking with XXXX. XXXX did not see my submitted complaint in their system. XXXX saw in their system the letter from Frost-Arnett dated XX/XX/22, my call on XX/XX/22, and no further correspondence or phone calls to me from Frost-Arnett after this XXXX I asked for an itemized bill from XXXX XXXX and for someone to pull my call to Frost-Arnett from XX/XX/22. XXXX said she can not pull a call, but can ask a supervisor to do this, and will email an itemized bill to me. 

On XX/XX/22 I called XXXX XXXX and spoke to XXXX due to not receiving an email from Frost-Arnett as promised on XX/XX/22 by XXXX. XXXX transferred me to her supervisor, XXXX. XXXX was very kind and said she was going to speak to her supervisor and call me back at XXXXXXXX XXXX. about the limited communication regarding this debt. 

XXXX did return this call and stated that her supervisor, XXXX, told her to relay to me that the Credit Bureau stated on XX/XX/XXXX that all reported debt with a {$0.00} balance will be removed from credit reports. Now I'm all the more concerned. Does this mean that Frost-Arnett does not report paid in full to credit bureaus for which they have turned consumers over for bad debt after a debt has been paid in full? Frost-Arnett just expects consumers to have any negative credit debt ( legitimate or not ) reported by Frost-Arnett to be auto-corrected by the credit bureaus themselves? 

My complaint is that I, once again, request the call to Frost-Arnett from XX/XX/22 be pulled. Frost-Arnett states each phone call is recorded and XXXX agreed to ask her supervisor for this. There was no follow-up to this request. The request was ignored. 

I request, once again, an itemized bill from Frost-Arnett for XXXX XXXX XXXX 

I request, once again, clarification as to why I was never contacted by phone or in writing after one letter was generated by Frost-Arnett on XX/XX/22. I called Frost-Arnett immediately upon receiving this letter on XX/XX/22 and this is documented in their system. During this call I state that I'm reaching out to XXXX XXXX XXXX XXXX to pay this bill since I met maximum out of pocket. I thought this was noted on my account during the phone call with Frost-Arnett XXXX 

The employee handling my collections case did not discern that at least one additional phone call or one follow-up letter would be necessary, informing the me that the debt remained, that XXXX XXXX XXXX XXXX XXXX not pay as we discussed during my last call to Frost-Arnett? Due to Frost-Arnett 's lack of communication with consumers, I was left to believe the debt was no longer an issue and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I request to be shown that this debt is owed in writing and not just dismissed by the manager of Frost-Arnett XXXX XXXX, who relayed to me through another employee to simply pay the debt and the credit bureaus will automatically remove the debt from my credit reports because the credit bureau stated such on XX/XX/XXXX. 

What? His consumer service message does not address any of my requests to prove the debt. His consumer service message does not address the issue of only one correspondence from Frost-Arnett regarding this debt after the consumer, XXXX XXXX XXXX called Frost-Arnett for guidance about this debt. XXXX 's consumer service message/solution completely dismisses the consumer 's concerns about this debt, leaving the consumer no choice but to pay the medical bill if the consumer wants the credit reports corrected and that Frost-Arnett will not ensure XXXX negative affect on the consumer 's credit report is correctly reported as paid. That is on the consumer and the credit bureaus to correct.

Company response to consumer: Closed with explanation