Consumer complaint received 2024-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Services Inc. (TX)

I am writing to bring to your attention a matter concerning an outstanding debt related to services rendered in XXXX, specifically for a COVID test. I recently became aware that a judgment has been obtained against me, resulting in a writ of garnishment, with 25 % of my pay being deducted to satisfy the alleged debt. 

I dispute the validity of this debt for the following reasons : Insurance Coverage : At the time of the medical services in question, I was covered by insurance through my employer. The services, including the COVID test, were expected to be covered by my insurance policy. 

Claim of Free COVID Testing : The facility I went to claimed to offer free COVID testing. Considering this claim, there should not have been any financial obligation on my part for the COVID test. 

Lack of Communication : I was not adequately informed about any outstanding balance or the alleged debt before legal actions were taken. Proper communication and notification procedures should have been followed before resorting to legal measures. 

In light of the above, I request the following actions : Validation of Debt : Provide a detailed breakdown of the charges, including any insurance claims made on my behalf. I request documentation supporting the claim that I owe the specified amount. 

Verification of Insurance Coverage : Confirm with your records that my insurance coverage at the time was appropriately billed for the services rendered. 

Cease and Desist Garnishment : Immediately cease any further wage garnishment until the dispute is resolved. The ongoing deduction is causing financial hardship, and I believe it is unjustified. 

I expect help and your prompt attention to this matter. Please provide the requested documentation within [ reasonable timeframe, e.g., 30 days ] from the date of this letter. Failure to address this dispute may result in further legal action to protect my rights. 

Furthermore to bring additional pertinent information to your attention regarding the ongoing dispute over the alleged medical debt and the associated garnishment. 

No Surprise Act Compliance : I would like to highlight that Nebraska has enacted the " No Surprise Act, '' which protects patients from receiving unexpected medical bills, even for individuals with insurance coverage. Given this legislation, any charges that were not communicated transparently and were not covered by insurance may be in violation of the No Surprise Act. 

Garnishment Violation : Nebraska law also regulates the process of wage garnishment, ensuring that it is carried out in a manner that does not cause undue financial hardship. It has come to my attention that the company " Credit Bureau Service Inc '' has taken the entire amount owed all at once from my fianc, who has no connection to your medical facility and has never sought services there. This raises serious concerns about the legality and propriety of the garnishment process. 

In light of the above, I request the following actions : Compliance with No Surprise Act : Provide a detailed breakdown of the charges, clearly indicating how they comply with the No Surprise Act. Any charges that are not in compliance should be addressed accordingly. 

Investigation into Garnishment Violation : Conduct a thorough investigation into the garnishment process and the involvement of " Credit Bureau Service Inc '' in collecting the debt. Clarify the connection between the debt and my fianc, who has been wrongly affected by the garnishment. 

Cease and Desist Further Garnishment : Immediately cease any further wage garnishment from my fianc, as it is evident that the garnishment is not related to any valid debt owed by them. 

I expect your urgent attention to these matters and request that you respond within [ reasonable timeframe, e.g., 15 days ] from the date of this letter. Failure to address these concerns may result in escalated actions to protect our rights and seek legal remedies.