Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Formal Statement of Dispute Re : Alleged Medical Debt - XXXX XXXX XXXX XXXX XXXX MediCredit , Inc . 

I. Account and Background Original Provider : XXXX XXXX XXXX XXXX ( for-profit hospital ) Collection Agency : MediCredit , Inc . 
Date of Service : XXXX XXXX Patient Status at Time of Service : XXXX XXXX XXXX, insured as a dependent Amount : {$1500.00} This dispute concerns the procedural validity and collectability of the alleged debt, including failures to follow HCAs financial assistance policy, premature referral to collections, and other procedural mishandlings. 

II. Timeline of Events XXXX  - Initial statement issued by XXXX for {$1500.00}, with a due-by date of XXXX XXXX  - I contacted XXXX via the phone number provided on the statement to : Request a financial assistance plan ; and Discuss payment options. 
During this call : XXXX acknowledged that I was eligible for financial assistance. 
The agent stated that paperwork would be mailed within 1-7 days. 
A 20-day hold was placed on the accounts collection date in recognition of the request.

Post-call - No financial assistance paperwork was received. 
No further communications from XXXX regarding approval, denial, or status of the application occurred. 
No updated instructions or assistance options were provided. 
XX/XX/scrub>XXXX - Second statement issued.

Amount due remained {$1500.00}.

Due-by date updated to XXXX  presumably to reflect the 20-day hold.

No documentation of original statement date included.

No financial assistance updates, paperwork, or communications were provided.

XXXX - MediCredit, Inc. issued a notice of debt acquisition, giving 30 days to dispute before the claim would be assumed accurate. 

III. Financial Assistance Eligibility Under XXXX own financial assistance policy XXXX XXXX XXXX XXXX ) : Financial relief may be available to patients who have received non-elective care, do not qualify for state or federal assistance and can not establish partial payments or pay their balance. In most cases, this will apply to patients who fall between zero and 200 percent of the XXXX XXXX XXXX. Patients who meet this qualification and can provide sufficient supporting documentation will have a 100 percent charity discount processed.

For patients with balances greater than {$1500.00}, and whose documented income is in-between 201 and 400 percent of the Federal Poverty Level , we have an expanded financial assistance policy that may reduce the amount you owe. To determine if non-elective services you received could be eligible for either full charity or partial charity, please contact your hospital for details on how you may see if you are eligible to receive assistance.

My balance of {$1500.00} falls squarely within these thresholds. 
Financial assistance was requested and promised, yet XXXX failed to provide the application or process a determination. 

IV. Procedural Failures and Dispute Basis Failure to provide financial assistance application Despite acknowledging eligibility and promising materials, XXXX never sent the application. 
This prevents proper consideration for full or partial charity relief. 
Premature referral to collections XXXX referred the account to MediCredit before completing the financial assistance process, in violation of : Florida Statute 395.3011 ( 2 ) ( a ) - prohibiting extraordinary collection actions before financial assistance eligibility determination ; and Florida Statute 559.72 ( 9 ) - prohibiting attempts to collect debts known to be invalid.

Alteration of statement due date Original statement due date ( XXXX  ) was retroactively changed to XXXX without providing a copy of the original. 
Photographic evidence of the original statement is available. 
This constitutes misrepresentation of account status. 
Payment portal restrictions The payment portal currently only allows full payment, and previously available installment/payment plan options have been removed, preventing partial payment or reasonable repayment. 
This blocks access to legitimate debt resolution and constitutes an additional procedural failure. 

V. Requested Resolution Given these facts, I request : Immediate suspension of collection activity by MediCredit , Inc . 
Written validation of the debt, including all original statements. 
Completion of financial assistance determination per XXXX policy, retroactively applied. 
Correction of all statements to reflect original dates and amounts accurately. 
Immediate provision of the financial assistance application in accordance with HCAs published financial assistance policy.

VI. Reservation of Rights All rights are reserved under : Federal Fair Debt Collection Practices Act ( 15 U.S.C. 1692e, 1692f, 1692g ) Florida Consumer Collection Practices Act ( 559.72 ) Florida Hospital Billing and Collection statute ( 395.3011 ) Additional notes : Information provided by images has personal information redacted per CFPB 's request to not include personal information. On request, original images will be provided.

Company response to consumer: Closed with explanation