Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: NRA Group, LLC
State: LA

Complaint narrative:
XXXX, around XXXX XXXX. to delete messages from an old email account. I never use it anymore but go through it every so often to see if I have neglected to exchange my new email with others important to my livelihood. A message comes up from National Recovery Agency, XXXX XXXX XXXX, XXXX, PA XXXX, Toll Free : XXXX. Statement Date of XX/XX/year>. Referred to the account being unpaid and the 30 days have passed since our initial letter was sent to me. ( I never received such a letter ). Their client has authorized them to accept a lump sum discount. Current Creditor : XXXX XXXX XXXX, XXXX. XXXX XXXX : XXXX XXXX XXXX, XXXX. Creditor Reference : # XXXX. Date XXXX. Current balance {$940.00}, Discount % 20, Settlement Amount : {$750.00}. I have no clue as to what this is about, so I start investigating. I was seen in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX, La. XXXX on that day. I was triaged and gave the clerk my insurance card and driver 's license. She even came back to the bay to have me sign paperwork while I was in the treatment area. After being treated, I left after receiving treatment for XXXX. My complaint is that when I called this collection agency about XXXX, a young lady by the name of XXXX XXXX that I am responsible for this amount because they could not find any insurance or billing information for me so they couldn't bill me, thus the address of XXXX XXXX XXXX on this email. An address I have not lived at for XXXX or more years. I said they couldn't find my information; well, I am looking at XXXX XXXX with charges from the XXXX XXXX XXXX XXXX Plus, another one from their XXXX How was XXXX XXXX XXXX XXXX not able to find my insurance or billing information? XXXX suggested I call my insurance company. She asked if I was disputing this charge and I said yes. She also suggested that I file a complaint with the 3 Credit Bureaus to dispute, which I will. Next, I called my insurance agency. XXXX, XXXX. XXXX XXXX, XXXX, Texas, XXXX. Around XXXX I spoke with XXXX and she stated they ever received a bill from that company. Plus, it is over 2 years, and I should not be responsible for their error. She suggested I call the billing department at the XXXX where I was XXXX I call XXXX XXXX billing department at XXXX and was on hold until I spoke with XXXX XXXX XXXX. She looked it up and found I was treated in the XXXX by a physician and a XXXX from XXXX XXXX XXXX on said day. She also stated that they too had no insurance or billing information on file either. I said, well once again, I am staring at XXXX XXXX from your billing department billing my insurance. I also had lab work done the first of this year and my billing information was in the system then? She said it stated in the information that I was XXXX before the clerk could get my information. She suggested I call XXXX XXXX XXXX XXXX. Around XXXXXXXX XXXX I called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX La. XXXX answered, I explained who I was trying to reach and he patched me to someone who stated they don't work for that business and gave me a XXXX. I called and an agent named XXXX answered. She stated they are a call center for this company, and she only sees and XXXX visit to XXXX XXXX XXXX XXXX on XXXX. I stated yes that was me I fell and broke my little finger. I asked if I had remaining amounts on those charges. She stated no. She couldn't tell me anything else because the other charges have been turned over. This is when I called XXXX to see what I could do about this mistake made by the company That I do not deny provided me with service. I should not have to pay this amount. They should try to refile and if my insurance allows, they pay the allotted amount, and I would be billed for the remaining. Also, if they couldn't find any information on me how is it that got a hold of my old email address? Next around XXXX, I spoke with XXXX XXXX # XXXX at XXXX XXXX She gave me # s to the Attorney General 's Office in La. Also, the La. Dept of Insurance but suggested I call XXXX which I did. I spoke with XXXX. She sent me to the consumerfinance.gov/complaint and this has been a very long day! Your attention to this matter is greatly appreciated!

Company response to consumer: Closed with explanation