Consumer complaint received 2023-11-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Land Collections, Inc. (UT)

I was served a court summons on XX/XX/XXXX from Mountain Land Collections LLC and XXXX XXXX when I had no knowledge I was even sent to collections. I have since found out that XXXX XXXX sent me to collections only because of my marital status ( because I am still married to XXXX XXXX. I did not sign anything, I did not agree to pay any out of pocket expenses nor did I consent to anything with XXXX XXXX. Theres no paperwork that I agreed nor did I ask to take on his medical debt. Because Im married, XXXX XXXX decided to send me ( and all my information to collections - Mountain Land ). I have asked XXXX XXXX for a copy of any letter or billing statement they sent that was addressed to me directly ( XXXX ) notifying me that as XXXX spouse, if I didnt pay his medical debts that I would be turned over to collections and/or be sued ( as that is what is currently happening ). XXXX XXXX and Mountain Land Collections LLC cant provide me any documentation that I received my due process notice when they sent me to collections. Both of the companies kept me in the dark ; never contacting me prior to suing me. I believe its the way Mountain Land Collections bullies and tries to intimidate people. As per federal law, I can not open mail not addressed to me, so to me, after XXXX XXXX told us they would fix their billing errors, I believed them, only to be turned over to collections for services without any notice and for debt I never received or signed an agreement for. 
Background of what they are asking : My spouse ( XXXX ) went to the Dr back in XXXX. We paid the balance due of {$110.00} but it was from an account where the bank is no longer opened. Because XXXX XXXX waited over 2 years, it has been taking some time to get payment verification from the bank. We have been disputing that claim for quite some time. Last time XXXX called XXXX XXXX, he was led to believe it was taken care of, the payment was located and we thought it all a done issue. This Dr visit was listed as their cause of action one. 
Fast forward to XXXX when XXXX had a preventative Dr visit scheduled to see XXXX XXXX on XX/XX/XXXX. After being checked in, while waiting to see the Dr , he was told by a nurse he wouldnt be seeing XXXX XXXX today because XXXX XXXX was just called away to the hospital for another patient having a XXXX XXXX. The nurse at the XXXX XXXX XXXX XXXX told XXXX that since he didnt get to see the Dr , and no medical services were provided, they would re-schedule his annual visit and there would be no billing for XX/XX/XXXX because there was no medical services provided that day. While reviewing claims filed by XXXX XXXX, after saying no claim was filed, they did file a claim. They told XXXX that XXXX had a Dr office visit - long when in fact he never even saw the Dr that day. XXXX XXXX received {$120.00} ( the insurance paid portion ) for a visit that didnt happen. XXXX told me that was insurance fraud and asked us to have XXXX XXXX fix the claim - to this date, they have kept the excess money and havent worked with XXXX to correct it. But they are now suing me for the co-pay portion for a visit that never happened and we were told there wouldnt be any billing. This claim is their cause of action two. 
A month later on XX/XX/XXXX, he went in for his annual preventative checkup - a Dr visit my insurance ( PEHP ) pays 100 % of the cost so there is XXXX copay as its his free annual checkup. 
However XXXX XXXX, instead of coding the claim with the Annual Preventative code, XXXX XXXX once again claimed it was a Dr office visit - long again. This meant that rather than XXXX paying the claim 100 %, they paid the claim as a regular Dr visit with a co-pay. I also noticed that XXXX XXXX charges more money for the long Dr visit so it seems money may have motivated XXXX XXXX to not report the claim correctly. We have been asking XXXX XXXX to fix the billing issue with XXXX. Once they do, they will be paid from XXXX and XXXX out of pocket would be {$0.00}. I am currently being sued for the unpaid co-pay for a Dr visit that was to be taken care of 100 % by XXXX but with XXXX XXXX billing issue, they are suing me to recoup money owed because of their billing error. This is the cause of action three. 
XXXX XXXX has refused to fix the billing issues and without any notice to me, even when they sent me to collections. Their collection agency, Mountain Land Collections LLC also failed to abide by FDCPA. I will be fighting this in court as I can prove everything I stated. I am also contacting my insurance company, XXXX to report insurance fraud by XXXX XXXX for the XX/XX/XXXX claim.