I’m a deadbeat. Or at least that’s what a local collection agency has been led to believe. Remember that call from a collection agency? As it turns out our local Urgent Care facility turned us over to collections less than a month after we received a bill from them.
To make a long story short, we took our son in to be seen for an illness in late December of last year. The insurance handling was a comedy of errors, and it took until late summer for the Urgent Care facility to get it sorted out. It’s important to not here that it was all their fault – they started out by billing our insurance using the wrong taxpayer ID number and went from there. All the while, our account was in limbo. So… The proper amount finally showed up in our account with a “Date of Service” in August. This resulted in a bill being generated in September. And less than 30 days after receiving that bill, I initiated payment via online billpay.
And now this… We received a statement from a local debt collection agency dated October 8th stating that we our bill is “seriously overdue” and has been turned over to them for collection. The letter further stated that if I question the validity of the debt that I have to notify them in writing within 30 days — this is one of the protections afforded by the Fair Debt Collection Practices Act (FDCPA). I’ve thus sent them a letter via certified mail laying out the situation and saying that I’ve already paid this bill. I’ve likewise sent a certified letter to Urgent Care billing office.
The tricky thing is that the transfer of this debt to the collection agency and our payment seem to have crossed in the mail. Thus, we’ve paid the bill to the original creditor, but the collection agency has purchased that debt and thinks that we owe them. This all happened so fast that I’m not even sure if the Urgent Care facility has received our payment yet. I’m guessing that this will take awhile to get straightened out, and I’m hoping that it won’t find its way to our credit report in the mean time.
Words cannot express how pissed off I am right now.