Date Received: 2018-10-22T00:00:00
Product: Medical debt
Issue: Written notification about debt
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: HP Sears is reporting a medical collection to all the bureaus. I went to XXXX XXXX. I have insurance. I have XXXX. I went to XXXX XXXX for only covered services. Services that are included in the XXXX XXXX XXXX ‘s scope of benefits are not chargeable to the XXXX XXXX beneficiary yet I have a bill. I have asked and asked for a reason why there is a balance but HP Sears is only interested in money. They threatened harm to my credit if I didn’t pay them. I wanted time to find out what this was about so a payment plan was arranged in exchange for not reporting this on my credit. They put it on my credit despite my requests for validation of the debt. I spoke to your company before and informed them I am in dispute with XXXX XXXX and that they needed to validate this debt but it appears they have refused so I am asking for your help. I requested that they provide me with competent evidence that I have any legal obligation to pay you because I have 100 % covered insurance. Tell me : What the money I owe is for ; I asked them to provide a detailed list of any and all services or goods purchased and a line by line itemization of charges ; Explain and show me how they calculated what I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; They are not supposed to report on any bureau until they have provided this information but they did. I am considering taking this to civil court. I believe this might constitute fraud under both Federal and State Laws. I now demand they send me a deletion letter today until such time as this is resolved. I have my phone records to prove I have spoken to you and made this same demand verbally. This would be construed as knowingly violating the law.
Company: Herbert P. Sears Co., Inc.
State/Zip: CA 923XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3053369
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.