Consumer complaint received 2023-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Century Credit & Collections, LLC (CA)

To whoever reads this, thank your for taking the time to read my complaint. I promise not to waste your time and I will give you a too long didnt read version because I am certain that you will come to same conclusion as me when you go over my supporting documents. 

Late last year, I was informed by Century Credit specifically XXXX XXXX that I have dental bill from XXXX XXXX XXXX XXXX XXXX  with the amount of {$2000.00}. The root cause of this issue was due to my dentist lacking the info they needed to get my dental insurance to process the claim. I paid this bill on XX/XX/XXXX by check, order payable to Century Credit, and faxed to XXXX. I have proof of payment letter from Century Credit and receipt of the cashed check from my bank. 

While this happened I partnered up with my insurance- XXXX XXXXXXXX XXXX XXXX so that they can reprocess my claim and I dont have to foot the entire bill. They agreed to pay their share of {$1300.00}, and they told me they would mail the check to my dentist on XX/XX/XXXX. I call my insurance early XX/XX/XXXX to ask if the check has been cleared or cashed out and they said it. 

With the payment over with, I took the next step which was to request my refund from both Century Credit and XXXX XXXX XXXX XXXX XXXXXXXX. I called them on XX/XX/XXXX. 
The front desk lady from my dentists office told me theyre waiting for more documents from XXXX XXXX . XXXX XXXX told me that there is a process in place and it could take up until XXXX. 

Fast forward to XX/XX/XXXX, I call both my dentist and XXXX XXXX to find out the status of my refund. XXXX XXXX tells me that she cant do anything and that its up to my dentist to do the rest of the work. Clearly this goes against what she told me on XX/XX/XXXX. On the other-hand, XXXX ( XXXX biller ) tells me that shes knows I paid and shes waiting for the collection agency to send her the necessary documents or payment. I told her that Id follow up in a couple of weeks and she was okay with that. This gave me reassurance and the belief that my dentist was willing to work with me on this issue. 

The next day XX/XX/XXXX, I called and spoke to XXXX XXXX to inform her what I was told by XXXX and now she repeats what she told me on XX/XX/XXXX. Before I ended the call with XXXX, I asked her a simple question - a yes or no question. Did you send the check to my dentist? She didnt give me a yes or no answer and that to me was an indication that I was getting the run around from her. I will end it here and ask you to review the supporting documents that I attached with this complaint. Every document that I have attached has been faxed and mailed to both parties. 

Here is breakdown of the bill/payment : Based on the EOB : Amount Billed- {$1700.00} Network Discount - {$280.00} Paid By My Dental Plan - {$1300.00} My Share - {$140.00} *My other share is the interest accrued from late payment of the bill The refund amount that Im requesting is {$1300.00}. 





My Contact Info XXXX XXXX XXXX XXXX : XXXX Email : XXXX XXXX XXXX XXXX. # XXXX XXXXXXXX XXXX XXXX XXXX Century Credit and Collections, LLC XXXX : XXXX ( Speak to XXXX XXXX ) Fax : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tel : XXXX Fax : XXXX XXXX XXXX XXXX. 
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