Consumer complaint received 2020-05-14 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: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
Visited XXXX Medical center XX/XX/XXXX with a sick child. We were from out of town and didnt have our Insurance card on us, But Ill let them know I would be mailing that information as soon as we got home. So that is exactly what I did. A few weeks later I received a bill For the entire amount. I called the facility and they said they had no record of receiving the insurance information. I happen to be at work, so I faxed a copy of the card while I was on the phone. I verified receipt and received a fax confirmation. I never received another phone call and I never received another piece of mail. A few weeks ago I was checking my credit report, and noticed a collections agency for XXXX on my credit report. I called XXXX Medical Center immediately and spoke with patient accounts. for the entire amount. I called the facility and they said they had no record of receiving the insurance information. I happen to be at work, so I faxed a copy of the card while I was on the phone. I verified receipt and received a fax confirmation. I never received another phone call and I never received another piece of mail. A few weeks ago I was checking my credit report, and noticed a collections agency for XXXX on my credit report. I called XXXX medical Center immediately and spoke with patient accounts. They told me they had no record of the insurance card. Ill let her know that I had a fax confirmation and witnesses, I also asked why I never received another phone call or Bill. She put me on hold and came back to say that she could see where they were receiving returned mail for a bad address. She read the address address off to me, it was my valid current address where I receive mail no problem. So Im not sure what she meant. But she admitted to the fact that I had no idea that they had not filed insurance. I ask her, because I am a single mother and at the time my child was on XXXX I also asked why I never received another phone call or Bill. She put me on hold and came back to say that she could see where they were receiving returned mail for a bad address. She read the address address off to me, it was my valid current address where I receive mail no problem. So Im not sure what she meant. But she admitted to the fact that I had no idea that they had not filed insurance. I ask her, because I am a single mother and at the time my child was on XXXX, So obviously I cant afford a {$700.00} emergency room bill when insurance would have covered at 100 %. If they could re-file the insurance. She said no too much time had passed. I informed her that had they let me know so obviously I cant afford a {$700.00} emergency room bill with insurance wouldve covered it 100 %, if they could re-file the insurance. She said no that too much time had passed. I informed her that had they attempted to communicate with me in anyway after I had faxed in the car I would have a mediately called and took care of it then. So I should not be liable for a bill when I made two attempts to give them the insurance information. She referred me to the collections agency. So I immediately called designed receivable solutions. I explain the situation to them that I just explain to you. Ill let the lady know that since my ex-husband left me and the kids I have been working really hard on improving my credit and if I really owe this bill I know I would have to pay this, but I felt like that then with holding mail and not sending me bills and not calling me until after the grace period to re-file insurance was over, was it a blatant attempt to make me responsible for a bill so that they could get more money than what the insurance would have paid. I was very kind to the lady. She snapped back at me told me I had to pay that bill that that was my problem was very rude.I explain the situation to the end that I just explain to you. Ill let the lady know that since my ex husband left me and the kids I have been working really hard on improving my credit and if I really owe this bill I know I would have to pay this, but I felt like that then withholding mail and not sending me bills and not calling me until after the grace period to re-file insurance was over, was it a blatant attempt to make me responsible for a bill so that they could get more money than what the insurance would have paid. I was very kind to the lady. She snapped back at me told me I had to pay that bill that that was my problem was very rude. By looking at my credit report, XXXX sent that {$640.00} to collections in XX/XX/XXXX, less than 4 months after the visit. Designed receivable reported the original amount shortly after and that was it. Until I spoke with the representative that day, and at least 4 times a week since that day I get a ding on my credit alert that they have increased the balance by {$1.00}. That balance has increased by {$1.00} every few days since I spoke to her, And prior to that no updates like that has ever been made. Which leads me to believe that because I mentioned working on my credit and letting her know I would not be paying that bill until I got XXXX responsible for their mistake, she is intentionally adding XXXX dollar to my balance every day she can to decrease my credit score. I have had medical bills in collections before and not one of them have as it has ever increased in balance by XXXX dollar a day

Company response to consumer: Closed with explanation