CFPB Complaint


Consumer Complaint Submission

Date Received: 2017-11-06T00:00:00

Product: Medical debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On XX/XX/XXXX I was admitted and discharged from XXXX XXXX, XXXX, Georgia. A few months after this I received a bill from XXXX XXXX for the amount of {$700.00}, which represents the amount of my care that was not covered by my health insurance provider. I contacted XXXX XXXX ‘s department of XXXX XXXX XXXX to establish a payment plan and verbally committed to a payment plan of {$55.00} per month until this matter was resolved. On XX/XX/XXXX I received a Payment Plan Installment Letter from XXXX XXXX XXXX XXXX XXXX listing the terms of my payment plan, reflecting the terms that were agreed upon over the phone, 13 payments of {$55.00} to resolve the balance of {$700.00}. This letter was signed by XXXX XXXX, a representative of XXXX XXXX XXXX XXXX XXXX.

Since receiving this letter, I have made all payments required of me pursuant to the above referenced agreement. I have had my bank send checks to the address listed in the Payment Plan Installment Letter in the amount of {$55.00} and have not missed a single monthly payment. During this time period, XXXX XXXX XXXX XXXX XXXX has referred my account to a collection agency twice, resulting in severe deterioration of my personal credit score. XXXX XXXX XXXX has contacted me through mail multiple times requesting full payment of this account, despite my existing agreement with XXXX XXXX XXXX XXXX XXXX.

I called XXXX XXXX XXXX to explain I had an existing agreement with XXXX XXXX and they informed me that I would have to address this matter with XXXX XXXX XXXX XXXX XXXX. I spoke with them about this the first time my account was referred to collections and referenced my Payment Installment Letter. was assured by the manager of the department that the collections account reference would be withdrawn, that my original payment plan would be honored, and my account would not be referred to collections again. This month, I received notification that my account was referred to XXXX XXXX XXXX again and my credit score subsequently was negatively impacted by this. I called XXXX XXXX on XXXX XXXX, 2017 to address this and was told that they were unsure why my account had been referred to collections again and this would be reversed. While I am relieved that they agree my account should not be referred to collections, it is still cumbersome to continue having to address this issue after being told multiple times that it would not happen again and it is detrimental to me as a consumer to have derogatory remarks reflected in my credit score.

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Pursuant to the Fair Credit Reporting Act and Dodd-Frank Wall Street Reform and Consumer Protection Act, I believe that it is unethical and unfair for XXXX XXXX XXXX XXXX XXXX to continue to refer my account to collections agencies, resulting in negative marks on my credit profile and deterioration of my credit score. I have made all payments required of me through the XX/XX/XXXX Payment Installment Letter.


State/Zip: AR 727XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2721918

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