Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mnet Financial Inc
State: FL

Complaint narrative:
On XX/XX/year>, I prepaid in full for a screening mammogram at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) as a self-pay patient. At no time was I informed verbally or in writing that a separate radiology interpretation fee from a third-party provider ( XXXX XXXX XXXXXXXX XXXX / XXXX ) XXXX be billed. No signed consent form, good faith estimate, or any disclosure of additional charges was ever provided to me, despite multiple requests. Had I been informed, I would have prepaid that charge as well and requested the customary self-pay prepayment discount. 

In late XX/XX/year> I received an unexpected bill from XXXX. I immediately disputed it with XXXX billing ( XXXX XXXX XXXX ) : XX/XX/year> XXXX ( XXXX ) could not produce disclosure. 

XX/XX/year> XXXX ( XXXX ) promised to send the signed disclosure form never received. 
XX/XX/year> XXXX ( XXXX escalation team ) confirmed my prior request was escalated and denied still no documentation provided. 

On XX/XX/year>, XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) notified me the {$490.00} debt had been placed with them for collection ( original ref # XXXX ; later letters showed duplicate refs XXXX & XXXX ). 
I have disputed the debt with XXXX multiple times : XX/XX/year> Spoke with XXXX; sent formal written dispute same day to the email address he provided. 

XX/XX/year> Phone follow-up ; XXXX confirmed XXXX and promised a written notice that the debt was in dispute and that they would verify disclosure with RAF letter never received. 

XX/XX/year> Received XXXX collection letters demanding payment with no validation or disclosure documentation attached. 

XX/XX/year> phone calls : XXXX representative hung up on me when I cited Florida transparency laws ; XXXX lectured me, threatened to hang up, and transferred me to a supervisor voicemail that was never returned. 

XX/XX/XXXX & XXXX, XXXX  Sent XXXX follow-up emails ( including directly to XXXX XXXX XXXX XXXX of XXXX ) no acknowledgment or response. 

XX/XX/year> XXXX informed me MNETs policy is to ignore all emails after the first dispute email. 

XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by : Failing to provide proper debt validation that includes proof of required disclosure ( XXXX U.S.C. XXXX ). 
XXXX collection activity on a disputed debt without validation. 
Using abusive and deceptive practices ( threats to hang up, refusing to escalate, hanging up on consumer ). 
Failing to send the promised written dispute acknowledgment. 

The underlying charge itself appears to violate the No Surprises Act ( requiring good faith estimates for self-pay patients that include all co-providers ) and Florida Statutes XXXX ( Patient Bill of Rights ) and XXXX ( price transparency ). 
I manage my own healthcare, prepay when possible, and should not be subjected to predatory surprise billing and aggressive collection tactics for charges I was never told about. I request that CFPB investigate XXXX XXXX XXXX, require them to cease all collection activity, delete any credit reporting, and impose appropriate penalties. I also request investigation into XXXX Associates of Florida and its affiliates for systemic failure to provide required disclosures to self-pay patients. 
Involved parties ( for your reference ) : 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 Operations XXXX XXXX XXXX XXXX of Compliance XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX leadership : XXXX XXXX XXXX XXXX MD, XXXX XXXX ( XXXX & XXXX, XXXX XXXX ), XXXX XXXX MD ( XXXX & XXXX, XXXX XXXX ), et al. 

I have documentation of all emails, call dates, and collection letters. 

Thank you for your assistance in stopping this abusive practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation