Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Collection Corporation
State: WI

Complaint narrative:
In XX/XX/year>, my husband sought emergency XXXX XXXX from a provider we have trusted for over XXXX decades. Prior to treatment, we were transparent about our financial limitations and lack of dental insurancecircumstances stemming from prior negative experiences earlier that year, including double billing and a failed XXXX XXXX with other providers. In light of these hardships, we explicitly requested that any recommended treatments be based on cost-conscious options, with full transparency around fees, pre-treatment estimates, CPT codes XXXX and clear communication regarding all potential charges. We were provided an estimate of approximately {$430.00}, and throughout the course of treatment, we made three payments totaling {$510.00}. At the time of our final payment, the dental office confirmed that our account was paid in full. To our surprise, seven months later, we were informed of an outstanding balance exceeding {$1000.00}. We immediately requested an itemized statement and made multiple attempts to contact the providers office for clarification. Despite our efforts, the account was sent to collections prematurely, before the stated billing due date, and we are now receiving notices from two separate collection agencies. We believe the provider acted inappropriately by : Failing to disclose or explain additional charges in a timely or transparent manner ; Accepting payments as full settlement, then retroactively adding new charges ; Sending the account to collections without adequate notice or fair opportunity to resolve the dispute; Failing to respond in good faith to repeated requests for billing clarification and dispute resolution. This situation has caused us undue stress and anxiety, and we are deeply concerned about the potential impact on our credit. We formally dispute the validity of the outstanding balance and respectfully request that the Consumer Financial Protection Bureau review this matter for potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. Additional Concerns : We have never received timely or accurate billing documentation from the provider showing a balance due after our final payments in 2024. The sole purpose of this visit was to avoid further miscommunications and duplicate charges, given our earlier financial setbacks with two prior dental offices. We were not informed that the exam type had been upgraded from a limited/problem-focused evaluation to a comprehensive exam, nor were we advised of any associated increase in cost. Despite requesting that existing XXXX be used, new XXXX were taken without discussionthis marked the third instance in the year where we were charged for imaging we attempted to avoid. We were shocked to receive a collections notice while we were still actively engaged in trying to resolve the issue, including in-person visits, phone calls, and multiple follow-ups. 

I have submitted a complaint about XXXX XXXX XXXX which was forwarded to the FTC and I have submitted a complaint regarding the other collection agency ( reference XXXX and XXXX ). Now I am receiving collection notices from Central Collection Corp.

Company response to consumer: Closed with explanation