Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
Executive Summary : XXXX XXXX XXXX XXXX ( XXXX ) never submitted the insurance claim as per their responsibility to XXXX XXXX XXXX XXXX XXXX Furthermore, XXXX failed to provide the proper XXXX and procedure codes as required by law to the patientXXXX XXXX billing is incomplete, potentially fraudulent, and non-compliant with XXXX XXXX XXXX responsibilities. 
Background : The dispute with SCA Collections as an agent of XXXX XXXX XXXX ( XXXX ), as an agent of the XXXX, concerns account XXXX. There is a balance due to XXXX via XXXX of {$950.00} for issue exams performed on XX/XX/XXXX at XXXX XXXX XXXX in XXXX XXXX. 
On or about XX/XX/XXXX, the patient was admitted for a XXXX  under the care of XXXX XXXX XXXX. During the procedure lab evaluations were performed. On XX/XX/XXXX, XXXX as the billing agent for XXXX provided a statement of {$950.00} Balance Due without explanation. On XX/XX/XXXX the patient contacted XXXX and was told that they needed to update his insurance information. The patient complied. 
On XX/XX/XXXX a new statement arrived without change. The patient contacted XXXX on or about XX/XX/XXXX to determine if there were issues that still needed to be resolved. He was told that XXXX needed to update is insurance information again. At that time both the XXXX representative and the patient confirmed the correct information. 
On XX/XX/XXXX, the patient received a collection agency referral to SCA Collections and immediately contacted SCA to explain the issue. The patient was advised to contact XXXX to resolve the issue. During this time, the patient offered to submit the insurance claim himself due to the incompetence of the service provider. 
On XX/XX/XXXX, the patient was sent an updated bill. The patient submitted the claim with the new medical codes. XXXX, returned the claim to the patient by XX/XX/XXXX with a note that the codes were incomplete as per the medical records requirements from XX/XX/XXXX mandating XXXX compliance. 
On XX/XX/XXXX, the patient supplied written notification to XXXX Collections of the dispute. On XX/XX/XXXX, XXXX XXXX provided the paent with the exact same updated bill with incomplete billing and coding informaon and insisted on payment. 
On XX/XX/XXXX, the patient immediately contacted XXXX to specify that the bill was incomplete and noncompliance due to the missing XXXX medical codes. This was followed up in writing to XXXX. On XX/XX/XXXX, XXXX sent another letter attempting to collect for the provide APG and their agent XXXX. The patient sent another written correspondence agreeing to make payment when the bill was corrected. 
On or about XX/XX/XXXX, XXXX added a derogatory statement to the patients credit report. The patient agrees to pay when an accurate bill is delivered and if it is within the window for insurance reimbursement due to the incompetence of the Provider, the Billing XXXX, and XXXX Collections.

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