Consumer complaint received 2024-06-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (AR)

XX/XX/XXXX : I had a XXXX  XXXX and was taken to the XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. The medical staff determined that I required a XXXX XXXX to the XXXX XXXX XXXX in XXXX, XXXX. The medical XXXX XXXX in XXXX put in a XXXX  and then placed me in a XXXX XXXX XXXX. I was woken up ( approx. ) a month later not having any idea what happened or where I was @, from there it was XXXX XXXX till I released from XXXX XXXX  care XXXX XXXX XXXX. After doing so, I was able to go thru the medical bills and ensure my insurance company made payment. The XXXX XXXX slipped thru the cracks, as I wasn't even aware that it was required. I received a call from a collection agency around XXXX of XXXX " Wakefield & Associates XXXX XXXX XXXX ) informing me that I owed {$170000.00} plus for this XXXX XXXX and it has been turned over to collections. I informed them of the medical emergency and my recovery, asking why this hadn't been billed to my insurance company XXXX and/or XXXX XXXX XXXX XXXX XXXX had both XXXX  the time ). I informed them that I would contact my medical insurance and get back to them. I called XXXX XXXX and they verified my coverage and coverage period, informing me that the XXXX XXXX would be covered. I took down the representative 's # whom informed me to get the bill to them, this information was passed along to both med flight company directly and then to Wakefield & Associates. I didn't hear anything else regarding this bill, so I had assumed it had been taken care of. I received a call from Wakefield in the month of XXXX of XXXX informing me that this had been placed on my credit report as collections, that my insurance company had denied the claim. I informed them that is not what I was told back in XXXX of XXXX ' when I dealt with this the last time I was contacted. I asked for them to provide me proof this claim was denied by XXXX and they informed me that I should've received something from XXXX  I informed them that I hadn't. I was then instructed to contact the state XXXX. commissioner and file a complaint, I informed them that I would but needed proof that the claim was denied. To this day, I have not received proof that this claim was denied and if was in fact denied what was the reasoning. You see I have no recollection of taking a XXXX XXXX  and I suppose I'm unclear why this flight was required when XXXX XXXX in XXXX XXXX is only 15-20 minutes from the XXXX XXXX XXXX XXXX XXXX. Furthermore, I had no recollection of this flight. I'm grateful that I've been able to make a full recovery, but just don't understand how this was not covered by my insurance company when I was informed verbally that it would be they just need the bill. I believe that the XXXX XXXX company turned this over to a collection company and this has been the primary issue of why this has not been covered by my medical insurance. I'm obviously open to ensuring my medical insurance company pays a reasonable rate and/or agreed to rate for this service. However, I absolutely do not have the funds to pay for it. In my last conversation with this collection agency, I asked that given this was required by the medical XXXX XXXX and ordered by them, why was this not part of my medical expenses that my insurance company has had since this incident occurred. XXXX XXXX received payment on the XXXX plus in medical expenses that this incident incurred. I just don't understand, how something like this happens. Over a XXXX plus paid out in my medical care but the XXXX XXXX  has turned into a collection against me, ruining my credit. I don't want to sound ungrateful for the decisions that were made to save my life, but I feel if my insurance made a denial then it would've had more to do with the service and collections then it had anything to do with this incident.