Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Adler Wallach & Associates, Inc. (CA)

On XX/XX/XXXX I had a XXXX  at XXXX XXXX XXXX Hospital. I paid {$100.00} toward procedure on XX/XX/XXXX. 

I didn't receive any bills until XX/XX/XXXX. I had so many bills I could not keep straight because every department in the hospital bills seperately. It took me almost 8 months to get EVERY bill! Horrible system. 

I paid : XX/XX/XXXX XXXX XXXX {$50.00} Called on XX/XX/XXXX to set up payment arrangement of {$110.00} PAID XX/XX/XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX {$110.00} ( for XXXX payment - going on vacation paid early ) XXXX XXXX XXXX {$110.00} On XX/XX/XXXX I contacted XXXX XXXX because I was unable to make a payment through the system. They could not find my account. I was told someone would get back to me but they could not accept a payment without the account to match it up. 

Did not hear anything from them. On XX/XX/XXXX ( within a day or two of that date ) I called for update and they still could not find my account. I told them I had a payment arrangement what is going on. The girl said that she did not see an actual arrangement in the system but can see that my payment is always {$110.00}. She did not understand and said that there is nothing she can do without the account. 

On XX/XX/XXXX I made a general payment of {$200.00} that was accepted ( to make up for other months ). They accepted it so I thought maybe they found my file. The payment was taken ( never refunded ). I called billing the end of XXXX to get my account number to make the XXXX payment and the person that answered the phone this time told me that they had sent my account to collections. 

I was extremely upset and told them that I had been consistently making payments and had an arrangement that I never missed. She said she can see that they should not have sent me to collections but there is nothing they can do now that the file is gone. She could also not tell me who I should pay or where the bill went. She told me that a collection agency would contact me directly to make payments. 

I was never contacted until XXXX of XXXX for this bill. It took almost 6 months for this bill to resurface. I could easily have paid it off right away but since I had the payment arrangement I thought it was ok since I had so many medical bills I was on payment arrangements with for this procedure. 

I made arrangements with AWA Collections - after I researched this charge to make sure it was the hospital bill. They told me they would not be able to remove it if I paid it. They had me contact XXXX XXXX hospital to see if they would remove if I paid. XXXX XXXX told me they don't have any way to remove anything from credit after the file is gone it is up to collection agency. 

It is paid in full and never should have gone to collections. I have worked so hard to ensure that NO bills would go to collections and this happened to me even with a payment arrangement - as well as another bill from XXXX  - whom I did pay completely and decided to send me ANOTHER billing 6 months later with no contact to me. 

Please help me get this off my credit since it never should have gone to collections. I was making the payments and did all I could to pay and they would not accept payments from me - they have record of my calls. 

Thank you - XXXX XXXX XXXX