Consumer complaint received 2020-06-14 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: Medical Data Systems, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  I returned a called to MEDICAL REVENUE SERVICE at XXXX ( have XXXX photos of calls ( 15 minutes 1st call ). Their address is XXXX   XXXX  XXXX XXXX, FL XXXX debt re medical bill to  XXXX XXXX in XXXX, NV for stay in XXXX, XXXX where I was admitted through ER when my health care proxy was out of town. I am disputing debt and it is currently under review at XXXX XXXX ( XXXX XXXX XXXX ) for a charity application process which they received on XX/XX/XXXX and I was told this debt WOULD NOT GO TO COLLECTIONS DURING THIS TIME. Regardless, it did and I received a call from MRS on XX/XX/XXXX from XXXX to notify me bill went to collections I explained situation & I agreed to pay {$25.00} on acct until I could contact XXXX XXXX and XXXX XXXX where charity app was, she was wonderful, agreed to hold acct for {$25.00} I paid the money over phone and she said to just call back when I knew what was going on, never said any further would happen with acct. I finally got word of what was happening and called back on XX/XX/XXXX where 2 calls took place 15 minutes each, escalating to management, XXXX, supposedly recorded, I was threatened that if I didn't pay in full that day they were being reported on my credit that day all 3 bureaus as bad debt whether I set up a payment plan and paid regularly on time or not they would still go on my credit as bad debt because they didn't know if I would pay on time, that's just the way it was. I told XXXX that I pay over 20 medical creditors monthly, never miss a payment and no one has reported me to collections, she said she didn't care, they don't work that way, I explained that medical collections don't work that way and if you set up a payment plan they can't report me, she said " it's too late your acct was already placed today '', I said than why would I bother setting up an agreement today, you already placed me, she said very loud and threatening " are you going to pay us or not? I told her I was waiting for XXXX XXXX to process the charity application and just needing to give a small payment to buy time, I just spoke with them 15 minutes before which is why I placed the second call to them that day and they would have answer in less than 1 week. She said than pay us in full today and they can reimburse you. I told her I don't have a credit card or that kind of money, she said than ask a family member or someone to help you, but you need to pay this now. I was crying by then and I kept asking her how she could ruin my credit over this when so many others had worked with me and she just said they could. My XXXX proxy because of my XXXX injury was listening to entire call and I made her aware of this. She than changed her mind and said only XXXX XXXX could decide when I go to collections and I said but you just said you turned me over to collections today, why would you say that to me and get me so upset and scare me like that, she said because we don't know when the bill will go that's why you have to pay us now because it could go at any time and we can't trust people to pay. At that point I was scare to set up any payment arrangement because they wouldn't confirm who they were, they were so intimidating we were afraid to do anything with them. They said regardless if I set up payment plan or not they are reporting to me to all the credit bureaus. If you check my credit I haven't had any bad debts reported since XXXX and no medical debts since XXXX because I pay them all. This one company is going to ruin this for me. I have a XXXX injury and XXXX XXXX XXXX and am on XXXX but I pay my bills, should I be threatened like this?? They should pay my bill for what they did to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation