Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
This complaint concerns an ambulance transport debt from XX/XX/XXXX that was later pursued through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ). In early XXXX, they took me to court, threatened to garnish my wages, and sent me a stipulation agreement on XX/XX/XXXX, to sign. At that time, XXXX XXXX XXXX XXXX was not licensed to collect debt in California  according to XXXX and XXXX records. 

Under the stipulation, I agreed to pay {$12000.00} in monthly payments of {$210.00}. My first payment was made on XX/XX/XXXX, and I have paid something every single month since then. Each payment was accepted without objection or rejection until now. 

When I experienced financial hardship during my mothers XXXX treatment, I requested a modification or forbearance. XXXX  staff told me to pay what you can, and I followed that instruction faithfully. I have never missed a month of payment. Despite this, I have never received a single statement or notice of arrears. The only communications I ever received were those I initiated myself, and their responses were inconsistent and incomplete. 

The only letter I have ever received came from their attorney, XXXX XXXX XXXX, dated XX/XX/XXXX, claiming I was behind for several months. I immediately called his office, left a message, and never received a return call. When I asked XXXX for his email address, they refused to provide it. I located it independently through the California XXXX XXXX website and included him in my response, but XXXX removed him from the email chain, cutting off communication. 

When I again requested documentation, XXXX President XXXX XXXX XXXX XXXX a document titled Breakdown of Your Account on XX/XX/XXXX. The accounting makes no logical or mathematical sense and appears to mix pre-stipulation data from XXXX with payments made under the court stipulation. It includes nearly {$3000.00} in XXXX XXXX despite the stipulation specifying XXXX percent interest, and the totals do not align with my actual payments or the court order. I would like this accounting specifically reviewed by CFPB, as the numbers are clearly inaccurate and raise serious questions about how XXXX  is maintaining and representing consumer account data. 

I believe XXXX unlawfully inflated interest and used outdated figures to increase my balance. The only document I ever signed related to the original medical incident was a hospital-to-hospital transfer authorization for my sick childs emergency transport. I was focused entirely on my childs safety and did not have the opportunity to review fine print. XXXX  has refused to provide copies of the original account or assignment documents despite multiple written requests. Every ledger Ive received lists different balances and inconsistent figures with no clear explanation of how payments were applied. 

XXXX  president admitted by email : We have extended courtesies by working with you and accepting smaller payments due to the financial challenges you began experiencing in XX/XX/XXXX. 

Yet they are now refusing to take my regular monthly payment, claiming I owe {$900.00} in arrears, even though that amount represents principal only, and I was never informed that arrears existed. 

On XX/XX/XXXX, I called XXXX  XXXX  to make my regular payment of {$210.00}, XXXX  at XXXX PM, when the call disconnected ( likely during lunch ), and again at XXXX PM. During the XXXX call, a representative named XXXX said he could not take my payment and that I needed to speak only with XXXX. I left her a voicemail, but she never called me back. Until now, I have always been able to make payments with any representative. Their sudden refusal to accept payment without written notice or reason appears to be an intentional obstruction despite my continued good-faith effort. 

This pattern reflects unlicensed debt collection at the time of stipulation, failure to provide accurate account documentation or ledgers, retroactive reclassification of accepted payments as delinquent, addition of unlawful interest and pre-stipulation data, and refusal to accept further payments while claiming default.

Company response to consumer: Closed with explanation