Consumer complaint received 2018-05-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AAA Collections (IA)

On Tuesday, XX/XX/XXXX, I received a call from AAA Collections Agency.  To my knowledge, the collections representative did not give me the required FDCPA notification when I answered the call. It is very possible the collections representative mumbled the required notification - someone who is not used to hearing the notice could not reasonably make out the notification. 

The collections representative indicated I owed {$2300.00} or {$2100.00}. I am not entirely sure on the amount they were attempting to collect, since I did not owe anyone {$2100.00} or {$2300.00}. There is a past due balance that I am being billed for from XXXX XXXX in the amount of approx. {$1900.00}. I am disputing this bill. There are some medical services that I should not be billed for and XXXX is unable to provide me a detailed/itemized bill. Anyone who is billing you for a debt, should be able to provide an itemized bill detailing all services received. 

I am unclear on how this {$1900.00} bill turned into {$2100.00} 0r {$2300.00}. I received a letter from AAA collections agency sometime in XXXX. The notice said I could call within a certain timeframe to dispute the validity of the debt. I followed the instructions and contacted AAA, indicated I did not accept the debt and that the debt was not valid. I then proceeded to call XXXX and again requested an itemized accounting of the services I was being billed for. I never received an accounting of services, however XXXX indicated they would pull the debt back from AAA while they investigated my dispute. I did not hear anything from XXXX or AAA and figured XXXX was still investigating the matter or compiling the information I requested. 

On XX/XX/XXXX, I heard from AAA and the bill is now in the $ XXXX. I asked why they had not notified me sooner or sent me another written notification. The collections representative indicated they had called me on XX/XX/XXXX and instructed me to check my call history. I received no such call on XX/XX/XXXX. 

This company has not contacted me and has not completed their due diligence, with regard to the FDCPA. The collections representative indicated he was going to refer the debt for legal action and prior to hanging up said something like " you know whats going to happen. '' I felt as if he was threatening legal action on a debt that I have not received any collections notifications for, since I indicated I did not accept the debt and explained that I was disputing it in XXXX. XXXX has sent me a listing of services received with a bunch of medical codes that I can not decipher. They told me I could call another number at XXXX and request a copy of my medical records and try to match up the code with the services rendered This is not acceptable, a consumer should not have to go on a wild goose chase to find information that should be included on any bill/invoice. AAA Collections representative was incredibly rude and told me I received the medical services and now I need to pay for them. The AAA Collections representative has no idea why I am disputing the bill and it was very inappropriate for this individual to comment on the nature of the bill in dispute.