Consumer complaint received 05/15/2017 about Debt collection (Medical debt) with Consumer Collection Management. Inc (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was initially  contacted by Consumer Collection Management ,  XXXX .  XXXX   XXXX ,   XXXX   XXXX   XXXX , Missouri  XXXX  on  XXXX   XXXX  at  XXXX .   On  XXXX / XXXX /  XXXX  , I spoke with a very nice female agent. I explained that I had not received any bills from  XXXX . I explained to her that I had found a collection listed on my   XXXX   credit report last  XXXX  and had filed a dispute as I had received no bill from  XXXX  and had proof of all my insurance claims and co-pay payments and found no indication on any of the stateI was initially contacted by Consumer Collection Management,  XXXX .  XXXX   XXXX ,   XXXX    XXXX , Missouri  XXXX  on  XXXX   XXXX  at  XXXX .   On  XXXX / XXXX /  XXXX  , I spoke with a very nice female agent. I explained that I had not received any bills from  XXXX . I explained to her that I had found a collection listed on my   XXXX   credit report last  XXXX  and had filed a dispute as I had received no bill from  XXXX  and had proof of all my insurance claims and co-pay payments and found no indication on any of the statements I was provided, what the charges they claimed were owed, were from.   She offered to mail me the detailed billing statements explaining where the charge originated. I thanked her for her understanding and agreed to look over the statements immediately upon receiving them. She was professional and my complaint is not related to her, My complaint is  SOLELY f or the extremely rude, belligerent, insulting, and condescending male representative,  XXXX   XXXX .  XXXX   XXXX  called me today,  XXXX   XXXX ,   XXXX   at  XXXX . He was EXTREMELY RUDE, condescending and very, very aggressive. He began the conversation insisting that he himself had gone through and mailed the statements to me on  XXXX   XXXX ,   XXXX  . I explained that unfortunately, I had not yet received them. He said I was lying and began yelling that he did n't get them returned to him so I was responsible stating that once he put them in the mail the burden of responsibility lied solely with me. I calmly asked if he was absolutely certain that the statements were mailed on  XXXX   XXXX ,   XXXX   because I truly had not yet received them. He again began yelling and claiming that he himself handled all my copies and mailed them out on  XXXX   XXXX ,   XXXX  . I said that while I could n't offer an explanation as to why, I could n't review or discuss a debt with him for which I had no record of until I 'd received them. He again raised his voice that I was lying and began yelling over me while I was speaking. I told him that if he wanted to know for certain when I received them, he should send them certified. He laughed and in a loud, condescending, and aggressive manner stated that I had already cost them more than enough money and they were n't about to spend more money to make me pay what I owe. I explained that he did n't know for certain without my input and receipts whether I did or did n't owe them and then he again began yelling over me while I was speaking. His behavior was the most rude I have ever encountered. It absolutely fell within constituted harassment and violated numerous areas of the that I knew it was illegal. He laughed at me and said I had a couple of days until he began aggressively pursuing all the options he had and then yelled that he was ending the call and hung up on me. As luck would have it, I received the statements today with a postmark of  XXXX / XXXX /  XXXX   from zip code  XXXX  with the following number  XXXX . I have reviewed the information sent and. I said if you want to be certain of when I receive them maybe ments I was provided, what the charges they claimed were owed, were from.   She offered to mail me the detailed billing statements explaining where the charge originated. I thanked her for her understanding and agreed to look over the statements immediately upon receiving them. She was professional and my complaint is not related to her, My complaint is  SOLELY for the ex tremely rude, belligerent, insulting, and condescending male representative,  XXXX   XXXX .  XXXX   XXXX  called me today,  XXXX   XXXX ,   XXXX   at  XXXX . He was EXTREMELY RUDE, condescending and very, very aggressive. He began the conversation insisting that he himself had gone through and mailed the statements to me on  XXXX   XXXX ,   XXXX  . I explained that unfortunately, I had not yet received them. He said I was lying and began yelling that he did n't get them returned to him so I was responsible stating that once he put them in the mail the burden of responsibility lied solely with me. I calmly asked if he was absolutely certain that the statements were mailed on  XXXX   XXXX ,   XXXX   because I truly had not yet received them. He again began yelling and claiming that he himself handled all my copies and mailed them out on  XXXX   XXXX ,   XXXX  . I said that while I could n't offer an explanation as to why, I could n't review or discuss a debt with him for which I had no record of until I 'd received them. He again raised his voice that I was lying and began yelling over me while I was speaking. I told him that if he wanted to know for certain when I received them, he should send them certified. He laughed and in a loud, condescending, and aggressive manner stated that I had already cost them more than enough money and they were n't about to spend more money to make me pay what I already owe. I attempted to calmly explain that he did n't know for certain without my input, records, and receipts whether I did or did n't owe this {$200.00} and again, he began yelling over me while I was speaking. His behavior was the most rude I have EVER encountered and I told him that his behavior constituted harassment and were illegal under FDCPA. He laughed at me and said it was absolutely not harassment a stated that he was giving me a couple more days before he would be aggressively pursuing collections for what I owe and then yelled that he was ending the call and hung up on me. Like a gift from above, I received the statements today that  XXXX   XXXX  claimed to have personally mailed on  XXXX / XXXX /  XXXX  . The envelope with postmark shows a very clear postmark of  XXXX / XXXX /  XXXX   from zip code  XXXX  with the following number  XXXX  on the  USPS labe l. I have attached it below and have reviewed the statements that  XXXX   XXXX  mailed and will be disputing the unallowable double charges for which your company is attempting to collect. They are not valid, not legal, to duplicate a co-pay charge that has been paid on the day of an office visit and then charged a second time at the time the billing agent was resubmitting a previously incorrect submission. The individual in the medical billing department made notations that the billing was done incorrectly. The statements show my co-pay amount was paid each time on the date of my office visit. They are attempting to collect a second, unallowable {$20.00} copay for each of the claims they were required to re-bill to my insurance company. I am only required to pay  XXXX  {$20.00} copay at the time of my office visit. I submitted my current insurance cards at each visit and always paid my {$20.00} copay. They are attempting to collect an additional {$20.00} copay on dates I was not seen but days they were resubmitting billing to my health insurance provider because they had billed them incorrectly initially. I am not responsible for fraudulent co-pay charges added to my account for dates I was not seen due to their billing errors. I have proof of all insurance coverage, doctor visits, co-pays made, and know that none of the billing statements presented to me, show a valid debt for which I am responsible. This debt should be removed as invalid and all debt collection activity should be immediately ceased by  Consumer Collection Management , Inc. A ny information shared with any of the  XXXX  credit reporting agencies should be immediately deleted for this debt is invalid. I have proof I will gladly provide that this debt is invalid and not mine and any and all collection activities b y Consumer Collection Management or any  other debt collector, related to these fraudulent charges should be immediately removed from any/all accounts bearing my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation