Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
I am filing a complaint regarding an invalid medical debt being collected by Credit Systems , Inc. on behalf of XXXX XXXX XXXX XXXXXXXX XXXX in the amount of {$530.00} ( original amount {$510.00} ). This account was referred to collections before the underlying claims were properly adjudicated and before billing discrepancies were identified. I did not receive any billing statements, notices, or other communication from XXXX XXXX XXXX XXXX XXXX regarding an outstanding balance prior to this account being referred to collections, and I was given no opportunity to resolve the matter directly before collection activity began. I did not receive accurate or finalized billing reflecting true patient responsibility prior to referral. An itemized statement was later provided by Credit Systems , Inc., but it was based on claims that had not yet been properly adjudicated and were incorrectly denied due to duplicate submissions by the provider. After the account had already been referred to collections, it was determined that the provider had submitted duplicate claims to XXXX. Throughout my course of treatment, XXXX XXXX XXXX XXXX XXXX maintained a valid credit card on file and routinely charged my copayments after each visit without issue. This established a consistent and functioning billing process. Despite this, no attempt was made to charge any alleged remaining balance or notify me of any outstanding amount prior to referring the account to collections. At no point during my visits was I informed of any outstanding balance. During an in-person visit to the clinic to address this issue, clinic staff reviewed my account and indicated that the balance did not appear to be correct. I formally disputed this account on or about XX/XX/year>. Despite multiple written communications since that time, Credit Systems , Inc. has not acknowledged or responded to any of my emails and collection activity has continued. XXXX XXXX ( XXXX # XXXX ) confirmed that the affected claims were initially denied due to duplicate submission errors, which were procedural and not determinations of patient responsibility. These claims were subsequently reprocessed and paid, as reflected in Explanation of Benefits documentation. Despite this, the balance was not corrected and continues to be pursued. I remain willing to promptly pay any legitimate and properly documented balance if XXXX is owed, once accurate and itemized billing is provided. Most recently, I received a collection notice dated XX/XX/year>, for {$530.00}, indicating potential further collection activity, including credit reporting and possible escalation. At this time : - The account includes charges affected by provider billing errors- Claims were reprocessed and paid by the insurer - The remaining balance has not been validated or properly itemized following reprocessing- The collection agency has not responded to any dispute communication - The account was sent to collections prior to proper adjudication and accurate billing I am requesting : - Full validation of the alleged debt - Removal of any charges already paid by XXXX - Correction of any inaccurate balance - Removal of all interest, fees, and charges associated with this account, as the balance remains disputed and unvalidated - Closure of the account if validation can not be provided - Confirmation that no negative credit reporting has occurred, or removal if it has Supporting documentation includes Explanation of Benefits showing initial denial and subsequent payment.

Company response to consumer: Closed with explanation