Consumer complaint received 2018-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Senex Services Corp. (KY)

I was in the home buying process and pulled my credit report on XXXX. There I found a collection account in the name " Senex Services. '' I had immediately contacted this company by phone regarding this collection account, as I had no knowledge or recollection of this debt. When I first called the Senex services representative told me this was an account for XXXX Hospital but refused to send me a copy of the medical bill or tell me what the procedure was done. I told them if I owed XXXX XXXX XXXX XXXX a bill then I would deal with the hospital directly as they are right down the street from me and I can walk right into the billing department and handle this account. 

The Senex services representative got extremely rude with me and informed me that I could not deal with the hospital directly that they owned the account now and I would have to pay them. I told them that I thought this was a scam because they refused to give me information about the bill and they were adamant I could not talk to XXXX XXXX XXXX about the account. I also informed them that the only time my husband had been in the hospital was for issues related to his VA disability, and if there was a bill owed to XXXX XXXX XXXX XXXX it would have been billed the VA hospital. I asked them to verify if the VA had paid this or not. They stated they could not verify that because they did not have access to the hospital records. At this point I was livid! They expect me to pay a bill that may or may not be mine, they don't know if the VA paid it, and they can not even provide me proof that the bill even exists. 

I immediately called XXXX XXXX XXXX XXXX billing department who stated they did not have a bill in that amount nor showed a bill for that date. I called Senex Services back and was told that that is because they now owned the account. They informed me that I would need to be paid right away and they would accept a settlement on the account. I was so frustrated at this point that I asked them if I paid a settlement would they just get this off my credit report. They state I would no longer owe the bill if I paid a settlement or even paid it in full but they could not remove it off my credit report. So just to make sure I had this right I asked them again, you can not prove I owe a bill or even tell me what the bill was for, and even if I pay the bill it will still stay on my credit report. I also re-iterated to them that I spoke with XXXX XXXX XXXX XXXX and they did not show a bill for this date nor any open bill for me. I then just contacted the credit bureaus and disputed it with the credit bureaus. XXXX removed the collection account but XXXX and XXXX did not. 


I was so distraught. I had lost the ability to purchase our home due to this collection account. It has been two years and it is still on my credit bureau report.. I am a 100 percent service connected veteran. I am just trying to buy a home that I can raise my children in. We have decided to try once again to purchase a home, so I reached back out to XXXX XXXX XXXX XXXX and explained the hole situation to Financial Director XXXX XXXX who performed a complete and thorough investigation of the situation and found that due to a computer entry error this bill was not actually under my name. It was mistakenly put under my XXXX middle name, twice and that's why the bill was never accepted by the Veterans Administration and that they did not have the address correct and that's why I never received a copy of this bill. She stated she would red-flag it and remove the bill completely. She said she would reach out to Senex Services and ask them to remove it. I have called Senex Services and I can now not reach a human when I call and it is still on our credit report. I have very little faith that Senex Services will remove it even with the hospital asking them to as they have stated in the past that they own the account and the hospital has nothing to do with it. Please please if anyone can help. I am at my wits end with this whole situation!