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HCFS Health Care Financial Services, Inc. – CFPB Complaint

By on April 17, 2018

Date Received: 2018-03-19T00:00:00

Product: Medical debt

Issue: Communication tactics

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: XX/XX/XXXX Complaint of Harassment Managing Authority XXXX RE : Breach of THE FAIR DEBT COLLECTION PRACTICES ACT On XX/XX/XXXX my son,, was a patient in XXXX XXXXl XXXX in the ER department. His insurance at the time was XXXX XXXX XXXX The healthcare provider did not submit the claim in a timely fashion as per their agreement with XXXX XXXX and as a result I was personally billed {$710.00} instead of being fully covered as part of my Emergency Room copay.
I notified XXXX on numerous occasion of the situation and also filed an appeal with XXXX XXXX so that they would pay the claim although it was NOT my responsibility for the negligence of the Dr ‘s office billing department.
I have received over 10 letters demanding payment from XXXX including more recent attempts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. I have also received harassing phone calls on a frequent basis.
In XX/XX/XXXX, after repeatedly informing XXXX representative on the phone that the full amount of {$710.00} was being processed by XXXX XXXX in an appeal, she threatened me that if I would not make a payment immediately, that my file would be in full collections and my credit would suffer. She stated that the only way to stop the lowering my credit would be to pay now. I made a payment of {$25.00} to stall the demise of my credit score.
At that time, I was in a strained financial situation but I was pressured to lay out a sum of money in good faith. However, this payment did not stop the biweekly intimidating phone calls and letters. I explained the situation to XXXX when I received the latest hostile phone call on XX/XX/XXXX again, reiterated that I was actually owed back the {$25.00} paid because XXXX XXXX was paying the full {$710.00}. The representative said that I was going to be placed in aggressive collections and it will affect my credit. They said its not their responsibility to check if the debt is valid. This tactic of pressuring and misrepresentation of facts is blackmail and harassment. I have repeatedly written to XXXX and spoken to them as well as XXXX XXXX medical office. Instead of waiting for the claim to be processed by XXXX XXXX, which is out of my hands, they are trying to bait and blackmail time with pressure and threats. Please be advised that I will be making a formal complaint to the Consumer Financial Protection Bureau. I This claim is in the process of being paid by XXXX XXXX XXXX XXXX and is therefore, not my patient responsibility. The reason for the delay is the error in billing and oversight by XXXX XXXX XXXX office, not my own.

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Company: HCFS Health Care Financial Services, Inc.

State/Zip: FL 333XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2847242

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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