Consumer complaint received 2015-07-27
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I found out I have a medical bill placed for collections after reviewing my credit bureau. XXXX, XXXX I contacted Revenue Grp. to obtain more information. The 1st rep. I spoke with did not provide me the Mini Miranda and gave me incorrect information re : the debt collection. He stated it was from XXXX XXXX which I was not familiar. He was very rude and demanded I give him my phone number. I advised him I would not and was not familiar with the collection I requested his suprvsr. I spoke with XXXX the Mngr. who was equally rude. He stated he would send me validation of the debt. To date I have not received any doc 's from Revenue Grp. I did do my own research to try to obtain info on the debt through the hospital and hit a dead end. I called Revenue again and got a different collector who told me the debt was with XXXX XXXX XXXX XXXX which ws familiar but I was not aware of any debt owed to them, I advised her I would research this and call back. 
I called back and Spoke with a Manger who I advised I was needed debt off my credit but did not think I could pay the full amount. She advised me the client XXXX XXXX would be able to authorize settlmnt etc. and would have to contact them for ok to settle. 
I spoke with her later and was advised the client would not allow for settlmnt. I told her I would get some help to pay it off that day but felt this should have been billed to my son 's XXXX insurance and should not have had a balance at all. I was told they do not do billing and would have to contact the client and my insurance. 
Now that I had the info to contact the original creditor. I spoke with XXXX at XXXX XXXX XXXX XX/XX/XXXX and explained we are in a hardship my husband has XXXX and we have this bill on my credit and it should have been billed XXXX. XXXX advised me to obtain the information to XXXX and they could submit it for billing but because the bill was from XX/XX/XXXX they would likely not pay it. After trying to obtain this info I found that she was correct and called her back. XXXX informed me that because the bill was so XXXX yrs. they could have it removed from collections at The Revenue Grp. and have it taken off my credit but it would not update on my credit bureau for XXXX days. I advised her an agency was trying to help us get a car to assist with getting my husband back and forth to doctors ' appts and really needed to get this resolved. I told her I did not have the money to pay bill in full but would be willing to make an arrangement with them directly to resolve. She continued to state the bill is very old and they could just get it pulled XXXX as if I would n't have to make any payments because it is so old at this point and it should have gone to my insurance ). She told me she had to speak with another party that would not be in until XX/XX/XXXX to see who she needed to call at Revenue to get this process complete and once done she would call me back. I called XXXX XXXX on XX/XX/XXXX. She explained that the " agency '' will not allow her to pull her own company 's file out of collection with their office. I advised her I did n't understand " do n't you own the debt and have a right to remove a file from a collection agency if you choose? '' she confirmed they did. She continued to state again the debt is so old and the agency is telling her she can not close the file with them and they will not remove from my credit file. She stated it 's because the account is so old and the collection agency wants to get paid and feel they can collect form me since I 'm trying to get a car. I advised her this is very different then what she told me previous and I felt this was due to me stating we were trying to get a car. This does n't mean I have money. I explained again my hardship re : my husband 's medical condition and an agency was helping us to obtain a vehicl

Company response to consumer: Closed with explanation