Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: OK

Complaint narrative:
I was contacted via mail by National Recovery Agency on XX/XX/XXXX in regards to outstanding medical debt for care received on XX/XX/XXXX ( {$480.00} ) and on XX/XX/XXXX ( {$1000.00} ) and ( {$64.00} ) all from XXXX XXXXXXXX XXXX XXXX stating that XXXX XXXX XXXX had purchased the debt. I have disputed all these charges previously with the credit companies because I was consistently receiving state financial assistance ( TANF ) and had little or no employment resulting in me qualifying for state medical or medicaid program and would have had sufficient medical insurance to cover said services if I was the receiver. The credit companies denied my dispute of it not being my debt stating the debt was validated. On XX/XX/XXXX, I called XXXX to speak with someone about disputing the debt and requesting the name and address of the original creditor as per the billing statement I received. Firstly, I have been unable to find any type of paperwork in my possession related to the visits nor have I been provided with a copy of proof of contractual service between myself and said provider. Also, the facility is the state hospitaXXXX and is supposed to offer charity care or significantly reduced cost for uninsured patients if they receive care. I spoke with XXXX who instructed me to reach out to my medicaid office to verify whether or not I was insured at the time and that she could request itemized bills on my behalf but was unsure if the company would provide them if so, it could take 8 weeks or longer. She further stated I shouldn't contact XXXX XXXX XXXX XXXX  because her company does the billing for them so any payment or contact needs to be with National Recovery.She stated with the time frame being in XXXX even if I did have medical insurance and as far as she could see on the file it stated I had Medicaid but the insurance could refuse to any billing adjustments. I explained to her that with my lack of any record for either visit I felt like my information may have been misused. I was a patient of XXXX XXXX XXXX in XXXX and remain one currently and can request same day appointments in our clinics to help decrease XXXX XXXX visits.I was provided with a phone to XXXX XXXX XXXX XXXX by the state medicaid office and thru that call several previous billers to attempt to locate the accounts in XXXX. On XX/XX/XXXX, I was able to speak with someone who was able to pull up the accounts and I requested itemized billing statement for all 3 debts and was told there were only 2 debts one for XX/XX/XXXX and one for XX/XX/XXXX. At this time the agent also said because the accounts were delinquent their system wouldn't allow her to send me an itemized statement. I asked if she could verify the amounts on each date especially since their discrepancy in the number of accounts and was told the total for XX/XX/XXXX was {$150.00} and on XX/XX/XXXX {$620.00} which again is not what has been reflected on my credit reports or their billing and my credits reports say no payments have been made since the delinquent debt was reported. I asked if I could get a printed statements of those dates and amounts. She stated the system allowed that I would receive them via mail. I am a resident of Oklahoma and the statute of limitations on medical bills is 5 years and feel that this company is in violation of debt collection practices one for not validating accurate debt any of them since XXXX and using faulty tactics to restart the clock on time barred debt without being able to provide me with any type of sufficient documentation to indicate that I entered into this contract. Also the intentional misleading statements by XXXX about XXXX XXXX XXXX XXXX.I sent National Recovery Agency paperwork on XX/XX/XXXX after reading on your site because I receive SSA benefits but also want this debt to be correctly validated as it should have been before being placed on my credit file or my attempts to dispute with the credit companies where I disputed other inaccuracies like the spelling of my name and addresses and phone numbers I have never been associated with and see that on 2 of the 3 companies they Removed some but not all of the info I disputed.

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