Consumer complaint received 2025-10-29 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: AL

Complaint narrative:
I am submitting this complaint regarding actions by XXXX XXXX XXXX  related to two medical debts. I believe I was misled, pressured, and confused during collection attempts on both accounts, resulting in a payment I would not have made had I received proper information. 

Background : XX/XX/year> Payment of {$1600.00} I received a phone call at work from XXXX XXXX XXXX stating that I had an outstanding medical debt that needed to be taken care of immediately. 
During the call, I was told there was a one-time offer to reduce the amount due if I paid that day. 
I was distracted and did not fully understand which debt they were referring to. I believed I was paying on an account I had been paying monthly with another company. 
I paid {$1600.00} by credit card. No receipt or confirmation of this payment was sent to me. When I later reviewed statements, the payment did not appear on the documentation they provided. 

XX/XX/year> {$23000.00} Debt When I noticed that my recurring monthly payment was still being taken out in XXXX, I was confused and looked on my credit card statement to see that it was a totally different company that I had paid. I called Medical Data Systems to ask what exactly I paid off since I never received the receipt and I was told about another account listed totaling {$23000.00}. When I received the statements, I realized that these were under my former name as well but that was not mentioned to me over the phone or else it would have given me a hint of the time that they were from. There are also some line items listed for my son even though I was not responsible for his medical payments and his dad had already paid everything the hospital said was owed for our son right after we got divorced. 
XXXX XXXX XXXX  offered a 70 % discount if I paid that day. I could not pay the full amount, and I was concerned about it affecting my credit, since no one had contacted me about this debt in over five years. 
I asked to make a {$25.00} payment to prevent it from going to collections ; this payment was set up as automatic debit. I requested a statement in the mail, which I received, but it showed conflicting amounts and did not clearly identify my XXXX payment. I'm unsure if my XXXX payment went toward the $ XXXX account or to the {$5300.00} account. 

Concerns : I did not knowingly agree to pay the XXXX debt ; I was misled and pressured into paying immediately. 
The debts are likely time-barred under XXXX  law ( 6-year statute of limitations ), yet I was led to believe immediate payment was necessary. 
The collector did not have my updated married name, causing further confusion. 
I have documented all communications and am requesting intervention to prevent further unauthorized collections and to recover funds paid under duress. 

Requested Relief : Investigate XXXX XXXX XXXX for possible FDCPA violations, including : Misrepresentation of legal rights regarding time-barred debt Coercion or deceptive tactics to obtain payment Thank you for your attention to this matter. I have retained all records, statements, and notes from calls regarding these debts. I am happy to provide further documentation if needed.

Company response to consumer: Closed with explanation