Consumer complaint received 2017-06-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Financial Services, Inc. (MS)

I have contacted Medical Financial Services Incorporated and the original debtor, XXXX XXXX XXXX, about several accounts that have been placed for collection and currently appear on my credit report. Because over {$7000.00} in payments from my insurance company were either incorrectly applied or never applied at all to my account until after I called them and because I never received bills for these hospital encounters, these accounts went into collections and never should have. Since I have begun disputing these bills, over {$6000.00} in collections have been removed or updated from my account ; however collections for two accounts remain. The first is bill for {$180.00} that had been affecting my credit for 2 years but I only became aware of recently when I tried to apply for a loan. I contacted the collection agency and disputed the validity of the debt after contacting my insurance company. To make a long story short, my insurance payment was not fully applied to this debt and I actually did n't owe anything. This account had already been sent to collections and reported to the credit bureaus before XXXX even filed the insurance claim. The debt was promptly removed, but again, it had been on my credit report for 2 years at that time. Another one is for {$630.00} for an emergency room visit on XXXX/XXXX/XXXX. I did n't get a bill for this encounter and assumed that my insurance provider had paid it off until it appeared on my credit report in XXXX XXXX. When I asked the hospital for a detailed bill because of the previous error that had been made on my account, I noticed that I had been charged for the same test twice, in the amount of {$230.00} each time. I sent a message through my online account at XXXX and never received a response. That debt remains on my credit report despite the fact that I believe there is a billing error on my account. The final bill is for an emergency XXXX that I had on XXXX XXXX, XXXX. An entry was made on my credit report for {$6500.00} on XXXX, XXXX. Again after contacting my insurance provider, I learned that they had sent XXXX several payments and my responsibility was actually only {$910.00}. The payments were not applied to my account until after I contacted XXXX XXXX XXXX and Medical Financial Services Incorporated later in XXXX XXXX. I never received a bill and I assume because the payments were not posted in a timely manner, this last account actually shows it is included in my current balance at XXXX. I am already in a payment plan with them for charges from another recent XXXX. The {$910.00} bill is included on my account as an amount that has been billed in the last 0-30 days, therefore, according to XXXX 's own Financial Assistance Policy and because they are a 501 ( c ) 3  religious affiliated organization, no patient accounts will be sent to collections until they are more than 121 days past the post discharge billing date ( see page 3 of the Financial Assistance Policy that I have attached. )