Hello all, I had a medical collection show up on my credit report last year for a hospital bill. The bill was covered by my insurance, but I still received a collection notice from First Source for $812. After requesting verification on the debt, I was sent a copy of a bill with what they said was the procedures I had performed. This bill did not match the medical records I received from the hospital. After comparing the two, I see that they billed my insurance for procedures that I did not have performed. After my insurance paid for more than what I had done, they then billed me for an additional $812. I contacted both the hospital and the collection agency (I also CC the states attorney, and the BBB) with what was going on. I finally got a response a month and a half later from the BBB saying they were removing this from my reports.
I check my reports everyday and I know this was removed before I received this response from the BBB. The problem is that they re added this to my EQ report. I just tried to call them, and spoke with a lady who wanted me to give her my social security number. I refused, so she didn't want to talk to me about my account. I finally verified enough information about myself and she told me she would transfer me to someone who could help me.
After being on hold for 15 minutes, I was told that I need to fax in the information to them showing that they were supposed to remove it, and that they re added it to my report because "we don't re add information". She also said that it could take 90 days to be removed from my report. I told her that I didn't want to fax anything, and asked if her information showed that it was being reported. All she would say to me is that if we said we were going to remove it we did.
After much arguing she finally told me to call another number. I did and was told that I wasn't verifying my information and that I needed to speak to a supervisor(which I already did) and that I was given very clear information on what I need to do.
I guess I don't know where to go from here. Do I have a leg to stand on here? I am so ticked at this point I want them to know they are screwing with the wrong person.
This is how it is reporting on EQ
Agency Address: 7650 Magna Dr
Belleville, IL 622233366
(618) 235-4700
Date Reported: 03/2012
Date Assigned: 01/2011
Creditor Classification: Medical/Health Care
Creditor Name: SSM ST CLARE HEALTH CENTER RE
Account Number: XXXXXXX
Account Owner: Individual Account.
Original Amount Owned: $812
Date of 1 st Delinquency: 07/2010
Balance Date: 03/2012
Balance Owned: $812
Last Payment Date: N/A
Status Date: 03/2012
Status: D - Unpaid
Comments: Consumer disputes this account information, Medical
The reply from the BBB is as follows:
Consumer's Original Complaint :
I have received a copy of a bill from this company for services in a hospital that I have never received. I have a copy from the hospital.
I have a copy of all services rendered from the hospital in question, I also have been provided a copy of a bill from First Source with a list of services that I did not receive. This bill is addressed from the hospital itself, which even shows what my insurance paid on. Yet the two items both "from" the hospital do not match. I know for a fact what was done testing wise at the hospital and the bill does not match that.
Consumer's Desired Resolution:
Removal of the collection from the 3 major credit bureaus.
BBB Processing
03/01/2012 web BBB Complaint Received by BBB
03/02/2012 BB BBB Complaint Reviewed by BBB Operator
03/02/2012 Otto EMAIL C1 - Send Acknowledgement to Consumer - Non-Mbr
03/02/2012 Otto MAIL B1 - Inform Business of Complaint - Non-Mbr
03/19/2012 OttO BBB No response to first notice to business
03/19/2012 OttO MAIL B2 - Second Notice to Business -Non Mbr
04/03/2012 OttO BBB Sending Case to Initial Mediation Decision
04/03/2012 OttO BBB Waiting Initial Mediation decision
04/04/2012 SNH BBB RECEIVE BUSINESS RESPONSE : A thorough review of account number xxxxxxxxx indicates charges were correct and consistent with services provided with the exception of one charge which was for a lumbar puncture. This charge was removed from the account. As a result, we will re-submit a claim for services to your health insurance company (Blue Cross). Any patient liability will appear after this processing. These results were given to the pt by letter sent to her on 03/12/12.(LIES never received letter)
If questions/concerns, pls contact Jessica Williams, OFI Specialist SSM Patient Business Services 1145 Corporate Lake Drive St Louis, MO 63132 314-989-6157. Thank you.
04/05/2012 SNH BBB RECEIVE BUSINESS RESPONSE : Additional information regarding this concern: This account was removed from collection activity. The Customer was informed by the letter containing full results. Again, pls contact Jessica Williams at SSM Health Care Patient Business Services if questions. 314-989-6157
04/06/2012 SNH EMAIL C3A-Forward Business response to Consumer
04/06/2012 WEB BBB RECEIVED CONSUMER REBUTTAL : (The consumer indicated he/she DID NOT accept the response from the business.)
The account was removed from the reports, and is now reporting again.
04/06/2012 SNH MAIL B5 -Forward Consumer Rebuttal to Business
Starting Score: 675