Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Richmond, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX did a procedure at XXXX XXXX XXXX in florida. \n\nThe procedure was fully quoted and prepaid for a total amount of XXXX  XXXX, as personally explained to me by XXXX XXXX, who visited me in the emergency room (ER) and identified himself as the billing representative.\n\nXXXX XXXX clearly and repeatedly stated that the quoted amount included all medical costs related to the procedure, including ER charges, and that the only exception would be anesthesia. I explicitly told him I needed to know the final, total cost in advance to avoid receiving any surprise bills later. He assured me that no other charges would apply.\n\nBecause I needed full cost certainty, he provided me with the XXXX  providers contact details. I reached out to them, negotiated the cost, and paid for that service separately in advance. I prepaid the entire procedure based on what was agreed with XXXX XXXX My actions clearly reflect someone who required full transparency and took all appropriate steps to avoid financial surprises.\n\nIt is important to clarify that this procedure was not urgent. However, I agreed to proceed at that time because XXXX XXXX  confirmed they were able to perform it immediately and that the total cost was indeed final.\n\nDespite this, I have received the following additional and unexpected bills on four different occasions:\n- XXXX  1XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX (CT ABD PEL with contrast)\n\nI was contacted by XXXX XXXX  to collect the bill. I send them the XXXX  information and XXXX XXXX contact so they can collect from XXXX  as was agreed but not action was taken.\n\nAlso I\'m Disputing the other XXXX  Florida Miami dade bill with XXXX XXXX XXXX with no result yet.\n\nThese invoices have been forwarded to XXXX XXXX multiple times since XXXX XXXX. I have made numerous attempts to contact him, but he was consistently difficult to reach. He rarely answered calls and only responded to some messages with vague replies such as "I\'ll look into it," never offering any concrete information or resolution.\n\nI have saved the full message exchange with XXXX XXXX, who communicated through phone number XXXX XXXX XXXX XXXX I am willing to share the conversation, which in my opinion clearly demonstrates a severe lack of communication and follow-through that directly contributed to this issue.\n\nGiven the above, I respectfully request:\n1. Immediate cancellation of the listed invoices, which directly contradict the original agreement under which I prepaid the entire procedure.\n2. Written confirmation that no further charges will be issued for this procedure.\n\nI acted in good faith, followed all instructions provided, and it is evident that this situation resulted from internal miscommunication and lack of coordination at XXXX. This burden should not be passed on to the patient.\n\nI appreciate your prompt attention and resolution to this matter.'

Company response to consumer: Closed with explanation