Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
I went to the XXXXXXXX XXXX for XXXX  issues on XXXX. I dont have health insurance and I was there 3 for 4 hours. All I had done was blood work and cat scan and everything came back ok. 

I received multiple bills in the mail for the services provided. Again, dont have health insurance. I received multiple bills from multiple places. one that i believed was from the XXXX XXXX ( very deceptive ) and another from the imaging company. Called and worked out payment plans or got debt settled. Out of no where I receive a {$14000.00} bill from XXXX XXXX with a request of payment and nothing stated as to why I owe this or what I owe this for. All it has is an account number XXXX, my name, place of service and description of service which says emergency department but I already thought i was taking care of the emergency bill. I called and spoke to someone in the XXXX XXXX XXXX XXXX XXXX  Was told to come to office and fill out paperwork to see if I qualify. Went the next day-XXXX XXXX XXXX and spoke to a caseworker XXXX. again, filled out paperwork-was told by XXXX, had someone with me, that this will go get classified as charity and I will receive a letter in the mail stating that this is has been switched from self pay to charity. Fast forward a month, I get another bill stating that I owe XXXX same notice with nothing listed, just a balance owed. I called the XXXX XXXX XXXX department and spoke to XXXX again and said I never received a letter and I just got a new bill-she said Im not receiving a letter ( very confused ) that I will receive a bill with the balance reading {$0.00} on the back, not a letter. Ok, I was confused but she was matter of fact. Another month goes by and I receive another bill in the mail-same balance, no letter, nothing XXXX 'd out so I call XXXX again XXXX XX/XX/XXXX and she apologizes and says for some reason the billing code on my my {$14000.00} bill got switched back to self pay instead of being coded as charity. Again confused, wait foXXXX XXXX  out bill in the mail. Another month goes by and now I have a letter/bill from Focus Financial Service with a reference number XXXX and its now in collections. I'm shocked and very upset. I dont understand how this couldve gone to a collection agency so fast and was told the whole time this was going to be a charity case. Nobody can even tell me what this bill is for. I call XXXXXXXX XXXX  again and speak to XXXX and she basically tells me there is nothing she can do now because its in collections and that her supervise will contact me. NEVER heard from the supervisor. I call the collection agency and explain everything and she tells me there is nothing she can do because the XXXX  send it to her in collections. Nobody can even explain to me what this bill is for. I sent a letter to the collection agency stating I dont know what this bill is even for and was told for months by XXXX XXXX this will be written off as charity. I dont have money to pay this bill at all. someone please help The collection agency, FOCUS FINANCIAL SERVICES said the best they can do is XXXX a month. Im at a loss for words. I dont have that kind of money lying around. I feel like I got totally played to get the bill to collections. I have great credit and dont want this to ruin all my hard work. I feel like Im being shaken down from a XXXX Any advice would help. 
FOCUS FINANCIAL SERVICES ( COLLECTION AGENCY ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX REFERENCE # XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation