Consumer complaint received 2017-08-19
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE FOLLOWING WAS SENT TO NATIONWIDE CREDIT CORP WITH SUPPORTING DOCUMENTATION. THE ONLY RESPONSE RECEIVED WAS A COPY OF THE BILL SUBMITTED BY XXXX XXXX. NO SUBSTANTIVE ISSUES WERE ADDRESSED REGARDING THE VALIDITY OF THE CHARGES. On XX/XX/XXXX, a letter was sent stating that NCC was a debt collector acting on behalf of XXXX XXXX XXXX XXXX ( Creditors Account Number XXXX ) attempting to collect an outstanding debt in the amount of {$XXXX}. Please accept this letter as my formal dispute of the validity of this debt. The disputed reasons are outlined below : XX/XX/XXXX in the amount of {$XXXX} was for a procedure that was submitted to my insurance, XXXX, for processing. The claim was initially denied as not medically necessary by XXXX on XX/XX/XXXX. XXXX was immediately contacted by me with respect to the denial. The treating physician, XXXX XXXX, did not agree that the treatment was not medically necessary and submitted an appeal to XXXX on my behalf. The appeal process requires the participation of my XXXX treating physician for it to be processed. To be clear, I am unable to submit a successful appeal without my doctor addressing whether or not the procedure was medically necessary in his professional opinion. XXXX XXXX did not submit my appeal paperwork until XX/XX/XXXX. In addition, I contacted XXXX XXXX XXXX, Pro Fee Coordinator with the Office of XXXX XXXXXXXX XXXX XXXX, and specifically notified her that my treating physician deemed my procedure medically necessary and that he would be submitting an appeal on my behalf. XX/XX/XXXX in the amount of {$XXXX} was for a procedure that was submitted to my insurance, XXXX, for processing. The claim was initially denied as not medically necessary by XXXX on XX/XX/XXXX. XXXX was immediately contacted by me with respect to the denial. The treating physician, XXXX XXXX, did not agree that the treatment was not medically necessary and submitted an appeal to XXXX on my behalf. The appeal process requires the participation of my XXXX treating physician for it to be processed. To be clear, I am unable to submit a successful appeal without my doctor addressing whether or not the procedure was medically necessary in his professional opinion. XXXX XXXX did not submit my appeal paperwork until XX/XX/XXXX. In addition, I contacted XXXX XXXX XXXX, Pro Fee Coordinator with the Office of XXXX XXXX XXXX XXXX, and specifically notified her that my treating physician deemed my procedure medically necessary and that he would be submitting an appeal on my behalf. XX/XX/XXXX in the amount of {$XXXX} was for a procedure that was submitted to my insurance, XXXX, for processing. The claim was initially denied as not medically necessary by XXXX on XX/XX/XXXX. XXXX was immediately contacted by me with respect to the denial. The treating physician, XXXX XXXX, did not agree that the treatment was not medically necessary and submitted an appeal to XXXX on my behalf. The appeal process requires the participation of my XXXX treating physician for it to be processed. XXXX XXXX did not submit my appeal paperwork until XX/XX/XXXX. In addition, I contacted XXXX XXXX XXXX, Pro Fee Coordinator with the Office of XXXX XXXX XXXX XXXX, and specifically notified her that my treating physician deemed my procedure medically necessary and that he would be submitting an appeal on my behalf. XX/XX/XXXX in the amount of {$XXXX}, is a charge I have never been notified about and I do not have enough information to confirm or dispute this charge. I would like to know specifically what the charge was for, if an insurance claim was submitted on my behalf, and if so what percentage of the total amount did my insurance cover.
XX/XX/XXXX in the amount of {$XXXX}, is a charge I have never been notified about and I do not have enough information to confirm or dispute this charge. I would like to know specifically what the charge was for, if an insurance claim was submitted on my behalf, and if so what percentage of the total amount did my insurance cover. It is also important to note that I reached out to XXXX to check on the status of this Appeal. As of todays date, they have not received the appeal information allegedly sent by XXXX XXXX office. There will, therefore, be an additional delay caused by XXXX, not me. Based on the information provided, and the fact that the appeal of my insurance claim could only be handled by XXXX themselves, it is a gross misrepresentation to indicate in any manner that I am delinquent and/or refusing to pay for the services provided. I demand that this account be closed by NCC as it lacks validity for any further processing by a debt collector. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation