Consumer complaint received 2019-08-16 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: GLA Collection Company, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX, IN XXXX
XXXX

Creditor: XXXX XXXX XXXX XXXX XXXX
Account # XXXX
Creditor Account: # XXXX
I’m writing to dispute and complain to the manner in which the creditor is attempting to collect the purported finance debt from me. I have been contacted by G.L.A Collection Company Inc. permit #XXXX  based in XXXX, KY informing that my account has been placed on collection. 
The first time the contacted me was in April this year and since then, mails have been in plenty. Last year, on or about XX/XX/XXXX, my son XXXX XXXX XXXX was taken ill and I contacted Doctor’s office at XXXX XXXX XXXX. After the initial check in, I insisted to know if they accepted my medical insurance and they confirmed that was true. So, my son was booked in for the treatment. 
After the treatment, I received a bill and I Ire surprised on how huge the bill was.
I contacted the Doctor’s office because I needed explanation on how things turned out. After discussions, they informed me that my insurance only accepted to pay certain amount and the rest had to be paid by me. I wondered a lot since they told me that such treatment, insurances will always pay in full. I felt that I was misled in order for them to get my business.
Nevertheless, I asked the office to give me a payment plan. Thy asked me about how much I was able to pay depending on my income and I agreed on $XXXX.
They prepared an agreeable payment budget plan for 6 months and according to the agreement plan being attached herewith, it was to be re-evaluated after six months and as per their own statement, it was to paid for “6 months or until the balance is paid in full”
The most appalling thing is that I do not know why the XXXX XXXX XXXX took me to the collection agency in the first place given the fact that I have never been late on the payment, reneged on my agreement with them nor defaulted on my payments to them. I’m also at pain to understand as to why the XXXX XXXX is dealing with me and at the same time engaging a collection Company at the same time, which has continuously sent threatening letters telling me that I have defaulted in my payment and that they will report me to the credit reporting bureaus. I’m of the view that the collection of the purported debt is being collected unfairly and I think they are violating the Fair Debt Collection Practices Act. As much as I keep on making timely payments, the G.L.A. Collection Company Inc. has notoriously been relentless in sending demand letters.
This is my prayer, I do not have the whole amount being demanded by the Dr. to pay at once, but I affirm my commitment to continue making prompt payment as I have always done. The idea of reporting me to the reporting agencies in order to mess up my credit is counter productive and uncalled for since I have always made my payments on time.
The current statement of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time.
I need the collections Co. to stop sending mails to me all the time since I have never refused to pay any of my debt. The Dr. must acknowledge that I have never missed payments and am always on time. The Dr. must withdraw the demand for lump sum payment because I do not have that huge amount of money to be paid at once.
I need all the reporting agencies to know that I have never failed to remittance the committed payments agreed by the Dr. and me and the letter attached herewith shows how our agreement was made.
I’m calling upon the Federal trade commission to intervene and stop this malpractices being committed by the XXXX XXXX XXXX XXXX and the G.L.A Collections Co. Inc.
Thank you so much for kind assistance.
Sincerely,
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation