Consumer complaint received 2024-05-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc. (TX)

I was unaware of a debt owed by XXXX XXXX XXXX XXXX  until I checked my credit report and saw there was a collection on my account. I had no knowledge of this debt and was never sent or notified in any capacity that there was a debt owed to this XXXX  When I reached out to the debt collector. I requested the following from the debt collector : A detailed account statement showing the amount owed, including any interest or fees accrued. The original creditor 's name and contact information. Any contracts or agreements that establish my obligation to pay this debt. Verification of the account 's validity and verification of your agency 's authority to collect on it. My HIPPA release form allowing you specifically to access any medical records in regards to the person associated with this debt The debt collector replied with just 1 statement ( no contracts, no HIPPA, no interest or fees owed ) and I noticed that the billing date was a year later after the alleged services were provided. I have no records confirming any of these are accurate. I requested the collector to provide the following within 30 days to validate this debt : An explanation for the extremely delayed billing date. 
Proof that the original bill was sent to me in a timely manner. 

He said : " I am not required to provide the last two things you asked for. '' I am not sure how someone can collect on something that they themselves have no proof the original debt was ever sent to me or I was notified according to the laws in Texas. It is also a medical debt and XXXX was paid out by the insurance companies for their portion within the 30 days. I also paid the difference at the time of when my kids went in of over {$900.00}. Since I paid, I had no idea I owed anything for just a XXXX XXXX. My dates vs the dates on the statement provided and the services rendered do not match my records at all. I also was never notified there was any balance due until the debt collector sent the statement. The billing date ( which I can provide ) has over a year later to bill to me. 

In summary : XXXX XXXXXXXX XXXX Rendered : According to the statement provided by the debt collector : Services were provided by XXXX XXXX XXXX XXXX between XX/XX/XXXX, and XX/XX/XXXX. 

Insurance Payment : My insurance company paid their portion of the charges within 30 days of the claim. 

Delayed Billing : I did not receive a bill for the remaining balance.The billing date on the statement provided by the debt collector is XX/XX/XXXX, which is highly irregular and violates timely billing practices expected in medical billing. 

Lack of Notification : I never received any prior bill or notification for the {$760.00} charge before it was sent to collections. 

Invalid Credit Reporting : The collection agency reported the debt without providing proof that the bill was ever sent to me, negatively impacting my credit score.

Consumer Rights Violations : The collection agency 's actions and the delayed billing have violated my consumer rights, and I seek corrective actions and a resolution to this issue.