Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Charlottesville Bureau of Credits, Inc
State: MD

Complaint narrative:
On XX/XX/2017 I had a scheduled appointment with my XXXX, I had previously had a XXXX XXXX done by her ( which that portion was paid in full ) and was going to get a XXXX  XXXX. 

I called three weeks prior and spoke to secretary ( I have names of everyone involved ) about my XXXX insurance changing from XXXX XXXX to XXXX XXXX and that I wanted to make sure that they accepted that insurance because if not I would have to cancel and get the XXXX  from a provider under my new insurance. I gave XXXX all of the information on the new XXXX   insurance and was contacted back and told yes I was covered and they accepted that insurance. 


The day that I went for the XXXX, I walked out to the desk as I have done at each and every appointment and secretary who was filling in for normal secretary told me that there was no bill left. Every time time prior to that I would have a procedure done and would pay right after. I have total prior to this have spent well over {$3000.00} at this location and have bank statements to prove, in addition my children and husband have been, my child had a XXXX XXXX   and I paid the remaining ( after what insurance was paying ) the same day. Fill in secretary said that she would let secretary know my concern and when she was back in the office she would give me a call. 


The very next week secretary did call me, she called to let me know that my insurance was not covered, that she goofed. She told me that she would speak to the XXXX and would return my call. I explained a XXXX with insurance through my new insurance was pennies compared. secretary called a couple days later and told me that they would charge me what I would have paid through the prior insurance, that being {$480.00} I told her that this was their fault and they should charge me what I would be charged through my new insurance because I would have simply gone somewhere else. Again she told me she would call me back. A week went by and she called back and left a voicemail that they would " take care of the bill '' Now it has gone to collection, on top of that they sent {$9.00} for my husband to collect under may name as well, which should not be a charge at all because all of our XXXX  and XXXX with the old insurance was all preventative and NEVER charged. They also had a credit under my children that they used for my husband that we NEVER knew about. 


On top off all of this I NEVER received a bill until I fought it with credit monitoring site and marked it as a dispute. Last week they creditor sent me the bills an everything. To say the least I am not happy. This is not ok. I would have never went back to her, I have ALWAYS paid every bill to her the day of service. 

Now they are trying to collect {$480.00} for what they say I owe, {$140.00} for collection fees, and my husbands {$9.00} which if we were told at the time and actually owed it we would have paid for my husbands bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation