Consumer complaint received 2017-06-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kelsting Group, Inc. (CA)

This memorandum covers Consumer Protection, Credit Reporting, Legal Aid Request, Unfair Business Practice, and dispute for unnece ssary medical services  provided.  <P/> O n  XX/XX/XXXX   I fell and hit my  XXXX  and an  XXXX  witnessed this and called for a medic. A bystander helped me up and I was leaving to be driven home by a friend. I was stopped and informed that the medic must give me an assessment. I did not agree that I needed medical assistance. A paramedic checked my vitals ( flashlight my eyes and asked me general questions ) and we determined I was fine and I was on my way. I am now receiving a bill from Credit Bureau  Associates  for {$1300.00} for a  XXXX   ( Assessment ).   The City of  XXXX   XXXX   XXXX  - No Transport is the original creditor charging the rate of {$1200.00} for non-residents and NO CHARGE for residents receivin g medical services.  The remaining {$120.00} must be interest of some sort.   XXXX   XXXX   XXXX   XXXX  ?  XXXX  ] For what its worth, I have lived on the military installation that borders  XXXX  for almost  XXXX   XXXX .   I never received a notification of this charge ( letter, phone call, email ) despite the ambulance billing agency  (   XXXX   XXXX   )  reporting  XXXX  notices sent to my confirmed address. [   XXXX   XXXX   XXXX   XXXX   ] I am an  XXXX   XXXX  service member currently  XXXX  since  XX/XX/XXXX and  XXXX  is my insurance company. I spoke with  XXXX  over the phone today who confirmed on that date that coverage was declined since they do not approve claims of ambulance services if you are n't taken to the hospital.   XXXX   XXXX   XXXX   XXXX    ] My  cr  edit score was excellent and here we are almost a year later, I am first hearing of this and notice my credit score d rop  XXXX  points. This is detrimental to future endeavors. I must have this taken care of or the technicalities of the assessment reviewed to either eliminate or reduce the cost of this unnecessary bill. I have no record at all. Credit Bureau  Associates  agreed to attempt to mail me a copy of this bill to my  XXXX  location since I do not have access to a fax machine currently so this may take a few weeks to arrive. My best form of communication is email or I could call if required. I understand my rights under the FCRA so I am creating this memorandum for record to coordination all email traffic from this point out. [   XXXX   XXXX   XXXX   ]  A fair resolution for this problem would be to determine that medical services were unnecessary, provide proof of itemized services provided on the bill, have this bill reviewed for accuracy, remove this toll from my credit report, and eliminate or lower the cost of this collecti on.   This information has been sent to  XXXX   XXXX , Credit B ureau Associates, the Federal Trade Commission, Consumer Fi nancial Protection Bureau,  XXXX   XXXX   XXXX   XXXX  California  XXXX   XXXX   XXXX , and the California Department  of Insurance .  <P/> Thank you in advance for your time.  <P/> Best regards,  XXXX   XXXX