Consumer complaint received 2020-01-13
Company: Harris & Harris, Ltd.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
While vacationing in XXXX, Indiana last summer, I contracted a XXXX XXXX and was admitted into the XXXX Hospital which a part of the XXXX XXXX XXXX. When I was discharged, my wife and I requested a statement and medical records and the request was denied. We were never offered a medical release form at that time and that the records will be available online. I don't have any accounts at any medical facility to view my medical records or my wife 's medical records, we want printouts. I received a medical bill from XXXX XXXX for a hospital stay XX/XX/XXXX and XX/XX/XXXX. We received a bill for {$28000.00} in XX/XX/XXXX with a statement date of XX/XX/XXXX and the insurance company only covering {$1000.00}. ( My insurance carrier is XXXX, my total out of pocket expense on the policy is {$4000.00} ). XXXX XXXX is in our network. We also received a letter from XXXX XXXX dating XX/XX/XXXX advising us that the insurance company is requiring more information from me, I was contacted by the insurance company XX/XX/XXXX wanting be to verify if I have any other insurance. I replied to that email on XX/XX/XXXX and my wife contacted XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and talked to XXXX and was told they would be sending us a followup within 10 days that was never received. My wife called XX/XX/XXXX and talked to XXXX with XXXX XXXX XXXX and refused to talk to her stating HIPPA. They can send me a bill to my house and other people talked to her but XXXX refused. We had questions regarding that part of our claim statement from the insurance company and our bill. My wife simply requested an itemized bill to compare with our insurance statements and was refused. The statement in question showed that {$800.00} was billed, insurance paid {$13000.00} and we may owe {$5400.00} which is {$1400.00} over the {$4000.00} maximum out of pocket. We got a letter from XXXX XXXX with XXXX XXXX XXXX at XXXX XXXX dated XX/XX/XXXX stating that they have not been able to contact us by phone, seven days after she talked to XXXX in the same department by phone. We received a bill from XXXX XXXX with the statement date of XX/XX/XXXX saying we now owe {$6000.00} which again is {$2000.00} more than the maximum out of pocket. My wife sent an authorization for release of medical information to XXXX XXXX and we received another letter from XXXX dating XX/XX/XXXX to call and set up a payment plan, we also received a bill with the statement XX/XX/XXXX. My wife called and was told the bill went to collections. My wife called the collection agency Harris and Harris LTD and was told that if {$4600.00} was paid within 30 days all would be settled. This is still {$600.00} more than the allowed out of pocket that by contract with the insurance company. XXXX XXXX XXXX XXXX XXXX insisted that they could only talk to me during work hours and I told them when I was discharged not to call me at work and to talk to my wife to set up any payments. We want the {$4600.00} back, we want XXXX and XXXX XXXX audited. I also have a HIPPA complaint with the XXXX Hospital and XXXX XXXX for not talking to my wife. I am also sending this complaint to XXXX affiliate channel XXXX news in XXXX, Colorado.

Company response to consumer: Closed with explanation