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keita

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  1. keita

    Advice Please

    1 year +, Insurance company said they could still file a claim.
  2. keita

    Advice Please

    Thank you so much! I will make that phone call first thing in morning.
  3. keita

    Advice Please

    No never hospital never reached out to me for additional insurance. They never filed any claim with the insurance company. "Contact the Patient Advocate at the hospital via hospital administration", should I do by mail or phone? Not sure if I may need proof later on.
  4. keita

    Advice Please

    2 Medical Collection on my reports. Same hospital, same visit. Had insurance but no claim was filed with insurance company. Sent HIPAA letter along with insurance verification and email from insurance stating no claim was ever filed to hospital billing department, hospital HIPAA compliance officer. I also sent letter to with these things attached to collection agency. In the meantime I dispute these with the 3 CRA. Never received anything from hospital. Today got a email from Transunion stating verified, consumer disagrees with results. What should be my next step. Any advice.
  5. Hello All, In desperate need of advice. I had an visit to the ER sometime back and hospital never billed insurance company. Noticed the collection agency on my credit report contacted them and they stated it was a medical collection bill. I contacted the insurance company and was informed claim was never submitted and the hospital could submit the bill. I then contacted the hospital and informed them of situation and was then informed bill was at collection agency and they no longer had access to. I then tried DV to collection agency in which the they verified debt was mine. So I decide to call and speak with some and explain bill was never submitted and I was unaware until bill from agency was on credit report and per insurance company hospital could submit bill. I was then told they could send me an itemized statement and I could pay for bill or submit to insurance company but either way after it's paid bill would remain on my credit report. I'm hoping to make a major purchase this year and really don't want any collections on my credit report paid or otherwise. Any advice??
  6. keita

    intent to sue ca

    i dv'd the ca with no response to validation but when i dispute the item to the cra, the cra states the ca states the info is accurate. fyi, i dv'd them within the 30 day period, and account is not been reported as"in dispute". the ca just sending me notice "if you disput this account respond within 30 days", once i called them and the rep stated they did receive the validation letters but doesn't know why there was no response. i have copies of the letters and confirmation from the post office.
  7. keita

    intent to sue ca

    i dv'd the ca with no response to validation but when i dispute the item to the cra, the cra states the ca states the info is accurate.
  8. keita

    intent to sue ca

    i dv'd the ca with no response to validation but when i dispute the item to the cra, the cra states the ca states the info is accurate.
  9. Has anyone sued a ca for not validating, without using a lawyer
  10. i have a question. i have a ca listed on my credit report. i sent them verification letters with no response. Theaccount since the letters has been sent to another agency. i contacted the the original agency and they told me they are no longer collecting for this account. i asked them to remove their entry from my report since the are no longer collecting for the account and they told me its legal to for them to remain.
  11. I was successful in getting them deleted them from all 3 cra, ( 2 ACCOUNTS ). I took more than one dv letter. They tried partial validiation, but I responded that it was not proper validiation and I was going to file a complaint against them to the BBB, AG, and FTC. I received a letter from them saying they were going to delete the accounts from my credit reports.
  12. I sent superior management 3 dv letters with no response. My next step is forwarding copies of letters to cra ,bbb, ag and hope i can get a delete. good luck.

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