Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
Last year I had several health issues and I started accumulating medical bills. To my knowledge, I have been making monthly payments towards every single bill I am aware of, as i am committed to taking care of all my medical expenses as well as all my bills for that matter. On XX/XX/XXXX I was alerted to a collection account reported on my credit report. I disputed it with the credit bureaus, thinking it was an error. As it was confirmed by the creditor, XXXX XXXX XXXX, I contacted them directly, as I had no knowledge of this name, nor have I received any written correspondence from them prior to the reporting on my credit report. I was told that I talked to them this year on XX/XX/XXXX and I told them I do not have a contract with them. I do not specifically recall the conversation, but it is very possible, as I always ask for written correspondence to figure out who they are and what specific service/bill I am contacted about since I received numerous calls regarding numerous medical bills - everybody wants payment in full right then and there ... unfortunately, I am not in a financial position to do that. I was aware of a medical bill that another company, XXXX XXXX, contacted me about in XXXX and I tried to see if this was the bill XXXX was contacting me about as well. I requested written correspondence so I can verify the balance. I NEVER RECEIVED ANY correspondence from XXXX XXXX XXXX. The bill that XXXX XXXX contacted me about was a bill I made monthly payments on until XX/XX/XXXX, when the portal did not accept payments any longer and I was told it was sent to XXXX XXXX and to continue making payments to them. I was in contact with XXXX XXXX and they had an incorrect balance ; they guided me toward their dispute process online ( I was told to go to XXXX use consumer number # XXXX to make an account, then to upload the bill for balance discrepancy to XXXX ). I uploaded my bank statements highlighting the payments not taken into account. I did that on XX/XX/XXXX, and I followed up with them by phone a few times since I received no dispute resolution from them ; then, at their advice, I submitted everything again on their portal towards the end of XX/XX/XXXX. When I called again to follow up on XX/XX/XXXX, I was told a balance does not show up in their system as it is in review and to just wait to hear from them. I did not realize I did not hear from them again until I saw the XXXX XXXX collections account on my credit a few days back and I started wondering if this was the same account, as this was the only bill I could think of not counted for on my end. Am I not owed due process here? Am I supposed to just guess what they are asking me to pay for? How can any body report anything on my credit report, when I have NO correspondence from them, I didn't even know who they were or who they represented, I just found out when I called using the information from the credit report. Are they not supposed to mail me a detailed statement so I can see what is that I'm supposed to be paying for and be given the chance pay BEFORE reporting anything on my credit report? Thank you for your attention this matter.

Company response to consumer: Closed with explanation