Consumer complaint received 2023-12-04 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: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
I was taken to an alternate hospital without the proper procedures when I had an emergency condition. No doctor approval no preliminary test no stabilization of medical emergency and no insurance. Federal EMTALA laws were violated blatantly. No paperwork was ever given to us to authorize a transport and my symptoms of a imminent XXXX should have been stabilized or signed by a Dr of XXXX who believes benefits outweigh risk. I was transported nearly an hour to another hospital when plenty of other locations existed. I arrived to the other hospital suffering from obvious XXXX when it could have been prevented had they followed protocol. I paid dearly for their mistakes by suffering the effects from XXXX to this day. 2 years of loss of work and financial peril when they decided to move me without giving me an exam. 

This injustice to my life cant be explained accurately with words bc I cant find the words that could possibly describe the many emotional draining moments the difficulties of bare minimum existence the degrading way of life they allowed without ever thinking past how I was gon na pay. 

The dispute is over the ambulance ride between hospitals that I never was billed for or made aware of. Never even knew it existed. Never had a chance to dispute it and was pushed to collections within three months from the day of the ride. 3 months. The original ambulance service was never billed to me. That violates the TX timely billing laws and therefore dictates that the debt is invalid. I never even got a chance to dispute the ride I was given and I had no chance to verify the debt was legitimate. XXXX XXXX XXXX sold it to collections in 3 months to an out of state debt collector who in turn did absolutely nothing to make me aware this charge of XXXX existed. That way when I was finally notified not by XXXX XXXX XXXX that I had a debt outstanding nor the amt of the debt nor the immediate sale into collections nor the paperwork of any sort given to me stating what the charges are for. The out of state debt collector has damaged my credit and continues to do so by maintaining the validity and accuracy of this debt. I just dont understand why the credit reporting agency XXXX uses the very people who have the highest stake in this dispute to verify its accuracy. The collection agency bases its business success on the ability to make money collecting debt. They are already behind after the initial investment by purchasing it from the ambulance company. It would be completely counterproductive to ever deny the belief that every account they had is legitimately owed. The conflict of interest is so obvious its a blatant in your face example of unfair debt collection practices. The collaboration between the 2 parties involved is beneficial for XXXX also. I have made requests to both XXXX and XXXX XXXX XXXX to provide me with the method of logic used to make their decision. Both ignored the request completely. XXXX posts revenues in the XXXX of XXXX of dollars per quarter. Thats major money made by reporting negative and derogatory info. That kind of money overpowers people who are slave to it. All their services monitoring and things they sell to protect you arent needed if you dont have negative stuff to report. Then their revenue goes in the tank. Bad credit reports from collections affect credit reports not deletions. With their own interests in mind these people manipulate people like me and I know the reason it continues is bc its profitable. 

So now with absolutely no action in attempting to notify me the debt stays hidden for 3 years so now instead of XXXX tthe out of state collection agency that is violating state law in Texas without proper bonds in place, is trying to collect XXXX extra dollars they just tacked onto the original amount. Reasonable fees I can understand. But not when they are nearly XXXX percent, illegal, and conviently not ever presented to me until the debt appears on my credit report causing a huge drop and lower credit rating. Still I dont find out until XXXX XXXX alerts me to the drop and when I review it Ive never heard of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX When I called the collection agency the rep stated that I would have to pay it because its an ambulance ride and I have no choice. Its a waste of my time to question any of the things being done. I disagree bc the ambulance provider believes that also that they can provide a unnecessary service and defy all the procedures and checks and balances, EMTALA laws, my rights and families well being and shockingly still try to assert the legitimacy of their service? They continue to destroy my credit and consumer reputation and have zero fear that they mite be held accountable because even if they do get caught in these unfair and unlawful operating procedures the penalty is worth the risk. In the end they still make money by abusing the consumer.

Company response to consumer: Closed with explanation