Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX several times for an XXXX assessment. While I have a long record of XXXX XXXX XXXX XXXX and medical he suggest I take blood work. I said as long as it is an in network lab, then it would be fine since my insurance covers in network blood work. 

On XX/XX/XXXX, I received an explanation of benefits from my insurance company saying the lab was out of network and the servies provided were not convered under my insurance. I did not authroize XXXX XXXX or XXXX  XXXX XXXX XXXX to XXXX XXXX for direct billing to me, I specifically stated I would only want labs from in-netowork provides. XXXX and XXXX XXXX are XXXX network for my insurance. The estimated amount owed was {$2100.00} total for XXXX tests. 

In late XX/XX/XXXX, I called my insurance provider, XXXX XXXX XXXX XXXX XXXX XXXX  and asked them why this was denied and what to do. They stated XXXX needs to file an appeal. 

I started receiving bills from XXXX directly around XX/XX/XXXX. 

In XX/XX/XXXX I called XXXX and told them they need to do an appeal to my insurance due to a claim I received for lab work done at an out of network lab. I was told this would be discussed with the XXXX. I did not hear back from XXXX and kept receiving bills from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I called XXXX again to ask for the status of their appeal claim. I told them again they need to file and appeal to my insurance for sending my lab work to an out of network lab when in-network labs were available. I did not receive a response from XXXX. 

On XX/XX/XXXX, I called XXXX again and stated my insurance informed me that the provider, XXXX needs XXXX file an appeal on my behalf because my lab work was sent to an out-of-network lab. I believe it was at this time I realized they would not submit a claim on my behalf. I contacted my insurance company again and asked what to do and they told me I could file a claim on my own but would need the XXXX 's office to provide documentation about this service and why it was needed On XX/XX/XXXX my wife, XXXX XXXX called XXXX requesting XXXX provide a writted letter explaining the services provided were necessary for XXXX  XXXX. I was told this information would be passed to XXXX XXXX and the XXXX. I did not receive any response from any of the listed phone calls, I did not receive a letter from the doctor, I did not receive any helfpul information from XXXX. 

On XX/XX/XXXX I emailed XXXX office worker XXXX XXXX requesting my medical records from XXXX AND XXXX written, signed letter from XXXX XXXX which stated that the laboratory services from XX/XX/XXXX were ordered to determine a XXXX  or XXXX diagnosis. I never received a letter from XXXX XXXX. XXXX responded on XX/XX/XXXX and stated my message would be passed on to XXXX XXXX and the XXXX XXXX 

On XX/XX/XXXX, I filed a claim appeal with our insurance. I did not have a letter from XXXX XXXX, but I provided my medical records and explination of the service and that XXXX  XXXX XXXX XXXX has not been responsive or helpful in this claims process. 

Sometime between XX/XX/XXXX and XX/XX/XXXX I called XXXX to inform them of claims appeal. I asked if they could hold any late fees and hold the bill until the claims appeal. I also informed them I did not authroize the use of an out of network lab and believe the bill should go to XXXX XXXX offices as he is the XXXX who utilized their services. They asked I send them a copy of the explination of benefits. 

On XX/XX/XXXX I emailed XXXX explainig I received a bill from their office which was denied by our insurance. I provided a copy of the bill, XXXX, and part of our insurance coverage poilicy that states XXXX diagnosis services should be covered care. 

On XX/XX/XXXX we received a claim appeal denial from our insurance company. 

I began receiving bills again from XXXX, I believe in Fall XXXX. 

On XX/XX/XXXX I had Patient Fairness send a Letter of Dispute to XXXX  on my behalf. I did not receive a response from XXXX. 

On XX/XX/XXXX I had Patient Fairness send a Follow up Letter of Dispute to XXXX  on my behalf, I did not receive a response. 

On XX/XX/XXXX I received a notice of collections from the creditor, Credit Collection Services on behalf of XXXX. 


I beleive XXXX XXXX and XXXX  XXXX XXXX of XXXX  is utilizing XXXX, Advanced XXXX  XXXX regardless of patient insurance coverage, without approval. I suspect they receive a benefit from using this out of network lab. I beleive the amount owed for this service, {$2100.00} should be paid by XXXX XXXX XXXX XXXX XXXX XXXX of XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief