Credit Card Center Advertiser Disclosure

Regular Contributor
Posts: 249
Registered: ‎03-27-2007
0 Kudos

I am smelling something fishy. Please read.

[ Edited ]
Three weeks ago, my girlfriend received a letter from a billing department, directly from the corporate office of a community health group, stating she owes 20.00 on a past due co-payment.  My girlfriend did in fact receive treatment at one of the offices 2 years ago, but their policy is "paying in full" at time of service for those without insurance, which was her situation.  Weird huh?  So she called the office where she received treatment and they confirmed that she did pay.  The office then went on to promise that this was taken care of.  (uh-huh)
Today, my girlfriend gets a call from some anonymous number that left a voicemail saying, "This is Helen from the doctors office, calling regarding a balance with Dr. Merchant."  My girlfriend calls the number back and asks, "What is this regarding?  I was told by the doctors office that this was taken care of" and their reponse was, "This is collections, what is your name?"  And my girlfriend says, "I want to speak with a supervisor."  The lady starts talking in a different language and got someone else on the phone.  The person who claimed to be a supervisor was the same representative who my girlfriend spoke to three weeks ago.  In a matter of a few more seconds he hung up, with no resolution.
Can anyone tell me if they had similar experiences and what she should do?

Message Edited by Drew on 04-13-2007 05:56 PM

American Express Blue Cash Everyday $25000
Barclays Sallie Mae World MasterCard $25000
Capital One Quicksilver World MasterCard $25000
Chase Freedom Visa Signature $25000
Discover IT $27000
US Bank Cash+ Visa Signature $25000
BofA Travel Rewards $18000

Regular Contributor
Posts: 169
Registered: ‎03-16-2007
0 Kudos

Re: I am smelling something fishy. Please read.

[ Edited ]
Start documenting everything. Check recording laws, and if you live in a one party consent state, begin recording everything. Better yet, send a limited cease and decist leaving only written communication as acceptable. Keep records.
In addition to that, send a letter requesting validation of such debt. As always appropriate documentation (signed, return receipt confirmation). You want to keep the data as thorough as possible so if you're forced to resort to a court resolution, you have necessary things.

Message Edited by okrogius on 04-14-2007 03:51 AM
Posts: 44
Registered: ‎04-17-2007
0 Kudos

Re: I am smelling something fishy. Please read.

[ Edited ]
If another letter arrives then you have something to actually work with.  The last post is also correct - record everything.  If it's illegal where you are to tape the call then write down everything said and by who. Get names written down before even starting a conversation.
Also, never admit to anything - always ask for written proof.  For 20 bucks I would guess they will just slouch away. Seems like you got a call center in India or such like and you're just a number on a list. My guess is that nothing will come of this. But if it does then get a written confirmation of your 'paying in full' and send it to the relevent party.... and if you feel like it a threat of legal action if they don't stop trying to collect a false debt etc

Message Edited by htc on 04-17-2007 08:02 AM

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.