Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX, I received a letter from AmerAssist stating that I owed a dental practice over {$220.00}. On the back of the letter it explained how I could dispute this debt and request for more information to be sent. On XX/XX/XXXX, I sent them a Validation of Debt letter asking them to send as follows : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

They have not sent me any of the information requested above that is by law my right to receive in order to proceed with this matter. They never sent more validation on this debt, but continued to harass me through letters stating the same thing from the first letter and saying that I have ignored previous attempts to collect debt from the above listed creditor. Which is false, because I sent them a Validation of Debt within the 30 day guideline requesting for more information. Then on the bottom of this letter they insinuate a threat stating that this will lead to additional costs and further proceedings. This letter was sent to me early to mid XX/XX/XXXX. Before that letter, they sent me another one stating that their client would accept a lower payment of {$110.00}, but nothing else that I asked for above in my letter. I also stated in the letter : " If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. " It's been past 30 days since I requested this information and they have not sent me a response to that letter and instead sent me two more harassing letters. Which is also a violation, because during the time frame of me waiting for a response they are not harass me about this debt. So, I called in to AmerAssist on XX/XX/XXXX to the extension they gave me in the multiple letters I received and it didn't work. So I wasn't able to speak with XXXX XXXX. Instead I spoke with a woman named XXXX, she wouldn't give me her first name, and she was very rude and abusive. She put me on hold in the middle of our conversation stating that I was upset when I was very calm and without my permission. I just wanted to know why they were still harassing me since I sent a Validation of Debt and I'm waiting on a response. She told me that they sent a response on XX/XX/XXXX and that wasn't the truth. What they sent me on that date was a statement that the client was willing to lower the debt. It did not have all of the information I requested. She continued to badger me, wouldn't listen to anything I said, and was very condescending. I told her how unprofessional she was acting and she told me she was being very professional. She insinuated that I didn't deserve more validation on this debt even though it is my right to receive it and asked, " Are you really trying to say you've never been there? '' It was so disrespectful, unprofessional and demeaning. She also threatened on the phone that further actions will be taken. I told her I never received a response to my letter and she claimed they did send it. She said they couldn't re-mail it to me and that they could only fax it. I let her know that I didn't have a fax number and she wouldn't move on re-sending this letter they allegedly sent me that I never received. Also, in my letter I told them to give me 30 days upon receipt of the response to the letter to investigate the information and see if the debt is mine. Then if the debt was mine I would pay it and if it wasn't I would either get a lawyer involved or explain further that I am not to pay this debt. But since it's been past 30 days all references to this account must be deleted.

Company response to consumer: Closed with explanation