Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: ID

Complaint narrative:
On XXXX  XXXX, 2023, I went to the emergency room at XXXX XXXX XXXX XXXX in XXXX, TX for a severe eye irritation. At that time, my wife submitted my XXXX XXXX XXXX information for the services I would receive from the ER and the hospital. Several months later, I received a large bill from XXXX XXXX for {$1900.00} and it was listed next to " uninsured discount. '' The problem was, we were not " uninsured '' on XXXX XXXX, 2023. We had XXXX XXXX XXXX through my wife 's company. In fact, we have a copy of an Explanation of Benefits from XXXX XXXX which lists a separate charge at the ER ( " Provider '' listed as " XXXX XXXX '' ) on the same date, and shows that with insurance, our cost was {$0.00}, so we expected the other costs from the ER to be similar, or at least, far less than {$1900.00}. As a result, we called XXXX XXXX XXXX XXXX 's billing department and gave them our XXXX XXXX XXXX XXXX again and asked them to process a claim and rectify the mistake. They said they would, but the mistake was never cleared up and we never received an EOB from XXXX XXXX regarding the services. When we received another bill from XXXX XXXX that listed us as " uninsured '', we called their billing department again and went through the same process again. In fact, we called them every month that we received a new bill for {$1900.00}, and every time, they said, in no uncertain terms, they would fix the mistake and run it through our insurance, but they never did, for we received yet another bill. XXXX XXXX, meanwhile, told us they never received a claim, so my wife XXXX even arranged a conference call between XXXX XXXX XXXX XXXX and XXXX XXXX Customer Service Department and both parties said they would take care of the oversight, and a member of XXXX  XXXX  billing department even told us to ignore any future bills that were mailed to us regarding the services on XXXX XXXX, 2023. And so, we did. But months later, we received a letter from Frost-Arnett XXXX a credit debt collector, in XXXX, TN. We explained to them the situation and that we were not " uninsured '' for the services received at XXXX XXXX on XXXX XXXX, 2025. XXXX months later, Frost-Arnett sent us another letter saying we owed the " uninsured discount '' version of XXXX XXXX XXXX XXXX XXXX bill for {$1900.00}, which is false. 

So much time has passed now XXXX XXXX XXXX is unlikely to accept a claim because the XXXX time-limit for claims has long been expired, for it is now, obviously, 2026. However, under Texas Law, under Civil Practice and Remedies Code, Chapter 146, Section 146.003 Certain Claims Barred and Sec. 146.002 Timely Billing Required, it is illegal for a hospital to charge me a full bill when they have failed to submit our insurance information in a timely manner, so we believe were within our legal rights to not have to pay the full {$1900.00}. 

I would like this bill to be removed from debt collection and for the bill total from XXXX XXXX to be recalculated with the insurance information we gave them, if that's even possible.

Company response to consumer: Closed with explanation