Consumer complaint received 2018-01-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Personalized Collection Services (MO)

Personalized Collection Services - XXXX XXXX called me in XX/XX/XXXX stating that he was calling to collect a debt owed to XXXX XXXX XXXX. I have only been to XXXX XXXX hospital one time in my life. I stated that I had met my deductible at the time I had went to the hospital and my XXXX XXXX was completed at another location. I was not sure what the XXXX I owed was for? He stated he would send me an itemized bill. He sent me a hand written bill that looked to be non official with no real explanation of what these services were I received or why I owed that amount when insurance should have covered it if they had billed correctly. I should not owe over 800 dollars for a office visit with a XXXX. So I expected some kind of understanding of why I would owe this amount. I called the hospital and they stated they were not sure what services were turned into collections. I proceeded to ask the hospital if they billed my insurance and they stated that since I told them it was in collections they could not discuss it and I would need to call the collection agency. They also stated ; I don't own them anything. I received numerous calls after that from the same place Personalized Collection Services. However, when I would answer I could just hear breathing. On XX/XX/XXXX the individual called me back XXXX XXXX and stated that I should have received the itemized bill and asked me WHY I hadn't called back. I stated that I tried calling the hospital to talk to them about the billing issues and to understand why I owed that. He replied that only takes 30 days for a dispute with the hospital. I tried to explain the above situation to this individual and he went into another personality. He started getting angry and rude. He stated " This is your debt and we intend to receive it from you. '' I stated that I understood he believed it to be my debt but I know there is an error somewhere with the billing process because my insurance should have covered the visit that was made to XXXX XXXX XXXX the ONE time I ever went there. He continued to get louder and stated that he needed an answer as to when I would pay this bill. I told him he was being rude and that I just stated I was waiting to get more information from my insurance and the hospital. He stated I'm not being rude you owe us this money and I'm going to get it. I told him he was being very rude and an XXXX. Yes I know, I used profanity but he was very angry on the call and I felt threatened. He then stated you know what I'm going to do contact your employer and put it on your credit. He went on to rant about other things he was threatening he'd do but I then hung up. I believe this bill is in error. I also NEVER received any billing statements from the hospital or phone calls from the hospital asking to receive payment. I do not trust this company is legit and wonder if they are not trying to scam me out of my hard earned money. The hospital will neither confirm or deny if this is a collection agency they work with.