Consumer complaint received 2016-10-28
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was insured with XXXX in XXXX Oregon, a Health insurance company. ( could and should file a separate fraud complaint against them also ) I got very sick and needed to stay in hospital for a few days. I was covered under XXXX insurance who in start of 2016 made statements in XXXX newspaper ( XXXX area ) and on all TV news in Oregon that they were insolvent and about to go belly up as in Bankrupt and would be shut down. At that time I paid my premiums until I deemed that switching to another carrier would be more to my advantage and did not want to take any chances with a company whose mismanagement of funds was so dire it announced it would end up being broke I had a lot of medical issues that continued and got statements from XXXX stating they had covered everything. Now I am in court with XXXX XXXX a division of Professional Credit Services out of XXXX Oregon and I am being sued. 

This mess is three fold. The hospital where I was treated up to XX/XX/XXXX I went in for testing every other day and at no time during my visits did anyone mention I owed them a dime. I had asked on many occasions if my insurance was covering everything and I was told yes and not to worry. My illness led me to the hospital XXXX me. I was admitted into the XXXX. 

XXXX XXXX is said to have been playing " coding games '' and did not pay items they told the hospital they would or were supposed to pay and it landed in collection. My last visit to the hospital was XX/XX/2016 and I was told I had a XXXX balance, so how it is now that I have almost XXXX in a lawsuit from some predatory collection agency who I am going to file a separate complaint with. 

XXXX is a scam and countless other people I know bailed on this company when it was announced it would go out of business. I am now being punished and XXXX is violating my original insurance by not paying what they said they would pay. 

XXXX failed to communicate with me and instead of paying what they said ( insurance fraud ) they then bounced it back to XXXX XXXX in XXXX, Oregon, the hospital and they, after telling me I owed them nothing, then turned around and were not paid by XXXX and instead of losing face or re-negging on their original statements to me, they instead turned me over to a predatory collection agency that has violated my ever consumer rights. 

PROFESSIONAL CREDIT SERVICES and XXXX XXXX their legal division have refused to itemize the bills and have told me and threatened me to put a lien on my home. Interestingly enough I do not own a home. Also threatened to come after me, whatever that means. They are in violation of every law and rule regarding debt collection. especially when the debt is not or should not need to be paid based on the very words of the hospital and XXXX XXXX XXXX were paid handsomely by XXXX for the majority of my bills and should have been covered completely after my small deductible was eaten up. 

XXXX is in violation of misrepresenting the facts to the hospital and the hospital deals directly with Professional Credit Services who are criminals in every respect and XXXX XXXX based on their reputation are known to violate every law regarding this issue

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed