Consumer complaint received 2024-12-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Express Recovery Services, Inc. (UT)

I may or may not have went to XXXX XXXX for XXXX XXXX ; during that time, I had a new type of health insurance with an XXXX card to pay for any services rendered at the time of service. The XXXX card would have covered all costs at the time of service, and I was not expecting any additional bills. However, XXXX XXXX NEVER invoiced me for any services, nor did I ever receive any notification that there was an outstanding balance after insurance. I never knew about the debt to XXXX XXXX until someone knocked on my door to serve me with a XXXX summons. I still don't know what services I am being billed for, and I still have not received any invoice ( XXXX ). They made sure to include some arbitrary agreement I signed in the paperwork they served me, but still no invoice or description of what services I ever received. I can not even remember a time I needed to go to a doctor so I couldn't even guess what the bill was for. 

When I called, the representative stated that the invoice ( XXXX ) were already turned over to collections and that they will not accept any payments to resolve it, that I do not owe them a balance and I would need to resolve it with the collection agency Express Recovery Services. The collection agency states the invoice total is {$170.00} ( again, I have never received an invoice ), but they can not resolve it with me because they already turned it over to their attorney XXXX XXXX at XXXX XXXX even though this is the first time I have heard of or from Express Recovery Services. They transferred me to the attorney 's office, and the representative for the attorney kept changing the amount due in real-time. I let him know the situation, that I never received any of the bills and this is the first I'm hearing of it. The only response I was met with was there are XXXX options, either pay XXXX the original balance in full or XXXX in a series of payments higher than the original balance and if not they will just get a judgment from the judge for it. This inflated debt has caused me significant financial distress and emotional stress. This situation is not only unjust but also deeply troubling. 

As a direct result of this ordeal, I was very recently hospitalized for over XXXX days due to a grand mal XXXX for the first time in my life and I now require additional medical care. It is of the doctor 's and the hospital 's neurologist 's professional opinion that the XXXX was due to increased levels of stress, but they recommend follow-ups with a neurologist. The only ones available near me are at a local XXXX XXXX. However, XXXX XXXX now refuses to provide me with new services until the debt ( XXXX the original amount ) is paid in full. I reached out to them to explain the situation with multiple people in billing and their customer advocacy department and they all have insisted that it is completely out of their hands and they still will continue to refuse service to me unless I pay the collection company. This debt is not only causing me financial distress but also directly impacting my health, as I am unable to receive the necessary medical care. I have no choice but to use XXXX XXXX, but I am deeply concerned about their business practices. XXXX XXXX created this debt. I didn't.