Blindsided CR Collecton Hit

[Why Chat]

Update:

 

Just received an EQ verification for HSI $2626 that this account belongs to me Is this "Dire"?? have you sent them the medical DV?? and then the follow up dispute to Eq.?? is this account reporting to TU or Ex??

 

However:

- I never a received a letter from HSI that this account of $2626 was to report

- HSI only sent a notice that $1013 was going to report and this account was deleted from my report because of a billing error! (so my score suffered!)

- I never was sent a notice from the OC for $2626

 

I know that I am to wait till next week to check the status of my report. Any suggestions on what to do with the account?

[LohaLonnie]

Yes I sent HSI the medical DV and was delivered and sent EQ the followup letter. Didnt receieve a response from HSI on the medical DV. This account is only reporting on EQ

[Why Chat]

OK,

File a complaint against Eq on this account with the CFPB

 

http://whychat.5u.com/hipaaftccomp.html

[LohaLonnie]

Hello.

 

I am currently not able to access EQ backdoor. Is there any other solution to see the status of Direc Management?

[Why Chat]

Hello.

 

I am currently not able to access EQ backdoor. Is there any other solution to see the status of Direc Management?

When did you send the follow up dispute to Eq?? Have you had a response??

[LohaLonnie]

Update:

 

As stated in a previous post, I never received confirmation of delivery from CA DirecManagement. As stated by Why Chat I was to send the follow up letter to EQ although I hadn't received confirmation of delivery and just to give the certified mail receipt. I had the letter to EQ type and ready to send today. However, yesterday I received a letter from Direc Management.

 

**Envelope was already opened in my mailbox and letter was taped to the inside of the envelope

 

 

This is what it said:

 

I have received your letter of July 16, 2015. You provided account number “140XXXX” which is a

partial account number for our system. I find no account assigned to you bearing those digits.

Additionally, you provided a return address of (LohaLonnies Address) and find no listing for that address.

 

I’m sure you understand, under the provisions of both state and federal law, I am barred from

sharing information about individuals in our system. If you provide enough information for

us to identify that proper account, I will be glad to respond.

 

I will tell you that much of what you requested in your letter of July 16, 2015 is not required by

the Fair Debt Collection Practice Act or the Fair Credit Reporting Act. Additionally, if you

suspect fraud of some sort, you should provide the particulars. I’m sure you understand that we cannot react without proof.

 

Federal law requires me to advise you this letter is an attempt to collect a debt and any

information obtained from it will be used for this purpose. DiRecManagemnt, INC. is a debt

collector as defined by the Fair Debt Collection Practices Act.

 

Sincerely

LWM – President

 

 

 

I sent the Follow up Dispute to EQ on July 27th. And received a "Your Equifax Dispute Confirmation" email on Aug 13th

[LohaLonnie]

Ok. So this is the update....

 

EQ Report:

-Direc Management was deleted. (Thank You Why Chat!!)

-HSI for $2626 was verified

**HSI responded to my dispute. They received the following from the OC:

-Screen shot of my information and insurance/billing report

-Admittance Record “Face Sheet”

• This included where I currently work and Religion

• Also the reason for admittance. (A CA SHOULD NOT HAVE THIS INFO –it’s so PERSONAL)

-Notice of Privacy Practices with my initials

-Conditions of Admissions

-Copy of my old Drivers License

-Two page print out detailing what room I stayed in, procedures that were done, lab work, and doses of medicine that were administered and the cost for each (this very sad that they have this information)

 

-Credit Bureau Associates came back Verified. Although TU deleted this account, EQ claims it belongs to me. My online EOB does not have a statement for this account. I suppose I can file a CFPB complaint against EQ or CBA for this account?

 

So these are the only two medical collections EQ. I would like to know how to proceed. Thank you Why Chat.

​

Edited August 30, 2015 by LohaLonnie

[Why Chat]

Ok. So this is the update....

 

EQ Report:

-Direc Management was deleted. (Thank You Why Chat!!)

-HSI for $2626 was verified

**HSI responded to my dispute. They received the following from the OC:

-Screen shot of my information and insurance/billing report

-Admittance Record “Face Sheet”

• This included where I currently work and Religion

• Also the reason for admittance. (A CA SHOULD NOT HAVE THIS INFO –it’s so PERSONAL)

-Notice of Privacy Practices with my initials

-Conditions of Admissions

-Copy of my old Drivers License

-Two page print out detailing what room I stayed in, procedures that were done, lab work, and doses of medicine that were administered and the cost for each (this very sad that they have this information)

 

-Credit Bureau Associates came back Verified. Although TU deleted this account, EQ claims it belongs to me. My online EOB does not have a statement for this account. I suppose I can file a CFPB complaint against EQ or CBA for this account?

 

So these are the only two medical collections EQ. I would like to know how to proceed. Thank you Why Chat.

​

If HSI had access from the OC of your private medical data and was able to transmit it to you it means that they are a direct assignee of the OC and your HIPAA privacy signed waiver was legally allowed to be assigned to them. Exactly WHAT was the situation of this account?? Were you insured?? Do you have your EOMB from your insurance?? Is this the one where the OC billing office said an error was made??

 

On the credit bureau associates -- you say you do not have an EOB for that date of medical service from that HC provider??

[LohaLonnie]

Exactly WHAT was the situation of this account?? Sorry Not Understanding that Question

​​Were you insured?? Yes ​​​

Do you have your EOMB from your insurance?? Yes

​Is this the one where the OC billing office said an error was made?? Well no that was for the account of $1013 (billing error) also through HSI. That account has been deleted and removed from my EQ Report.

This current account of $2626 still stands and was verified, and this is the account were HSI sent all the personal information. (I had two accounts with HSI-One was removed) ​​​

 

On the credit bureau associates -- you say you do not have an EOB for that date of medical service from that HC provider?? Yes there is no EOB from this medical provider.

[Why Chat]

Exactly WHAT was the situation of this account?? Sorry Not Understanding that Question

​​Were you insured?? Yes ​​​

Do you have your EOMB from your insurance?? Yes

​Is this the one where the OC billing office said an error was made?? Well no that was for the account of $1013 (billing error) also through HSI. That account has been deleted and removed from my EQ Report.

This current account of $2626 still stands and was verified, and this is the account were HSI sent all the personal information. (I had two accounts with HSI-One was removed) ​​​

 

On the credit bureau associates -- you say you do not have an EOB for that date of medical service from that HC provider?? Yes there is no EOB from this medical provider. OK, WHY is there no EOB for those services?? are they YOURS?? Or were they not submitted to your insurance?? Do you have ANYTHING ( EOB) for the same dates??

[LohaLonnie]

Well I was going through some old mail that my parents had sent me and behold the original statement from the OC of $133.00 sent to my parents home and is now in the hands of CBA. The orginal statement does not list that my insurance was filed, hence no EOB statement from my insurance. I contacted my insurance company just to make sure and there was no claim filed from this OC for the DOS listed.

[Why Chat]

Well I was going through some old mail that my parents had sent me and behold the original statement from the OC of $133.00 sent to my parents home and is now in the hands of CBA. The orginal statement does not list that my insurance was filed, hence no EOB statement from my insurance. I contacted my insurance company just to make sure and there was no claim filed from this OC for the DOS listed.

Well-- if the medical services were within the past 2 years, it is possible they can still be submitted. Do you have ANY record of ANY PAID ACCOUNTS for the same dates?? Are you SURE these are yours?? Ask your insurance Co if it is too late for the provider to file, depending on their answer, send the OC the HIPAA letter insert "b" (2)

http://whychat.5u.com/hipltr.html

 

Make sure you provide all your insurance data and if possible a written acknowledgment from your insurance Co that your policy was in effect at the time, no submission was made and that it is either possible or NOT possible for the OC to file now.

[LohaLonnie]

Ok. So I spoke with my insurance provider concerning the pathology bill (CA: Credit Bureau Associates)

 

All OC's have 90 to file if In Network and 180 days to file if Out of Network. He also stated if they did try to reach out to them (insurance provider) they need to show proof that they did in the time frame that was given. If they did sent it and it become verified then my insurance will file the claim.

 

I'm not so sure that they filed. Nothing on the billing details show they did.

So the time frame is now past, because they used my old address instead of the address listed on my admittance sheet which had my all my insurance information.

 

Is there any way to see if this bill even belongs to me? I'm just not sure. I've already submitted payments to one Pathology group for the same DOS

 

---Also TU has deleted this account

Edited September 2, 2015 by LohaLonnie

[Why Chat]

Ok. So I spoke with my insurance provider concerning the pathology bill (CA: Credit Bureau Associates)

 

All OC's have 90 to file if In Network and 180 days to file if Out of Network. He also stated if they did try to reach out to them (insurance provider) they need to show proof that they did in the time frame that was given. If they did sent it and it become verified then my insurance will file the claim.

 

I'm not so sure that they filed. Nothing on the billing details show they did.

So the time frame is now past, because they used my old address instead of the address listed on my admittance sheet which had my all my insurance information.

 

Is there any way to see if this bill even belongs to me? I'm just not sure. I've already submitted payments to one Pathology group for the same DOS Was it reporting?? Did you have an EOMB for them?

 

---Also TU has deleted this account

OK, change of plans.

 

Send the OC the HIPAA letter insert "c"

http://whychat.5u.com/hipltr.html

Enclose copies of ALL the other EOMBs for that date and state that this is NOT YOURS .That you have checked with your insurance Co and that there was NO SUCH submission for this account. Request immediate deletion of this fraudulent account from the reporting CA and state that failing immediate deletion you will be filing a complaint against the OC and the CA with the OCR for violation of the HIPAA privacy rules and with the FTC and CFPB for violation of the FCRA,

[LohaLonnie]

Awesome will do! Thank you!!

 

I'll update on the results

 

For HSI in the amount of $2626 do I send the HIPPA Letter insert (a)?

[Why Chat]

Awesome will do! Thank you!!

 

I'll update on the results

 

For HSI in the amount of $2626 do I send the HIPPA Letter insert (a)?

Please refresh my memory

 

This current account of $2626 still stands and was verified, and this is the account were HSI sent all the personal information. (I had two accounts with HSI-One was removed) ​​​

 

What was the date of this service?? Do you have an EOMB stating that this amount is accurate and is your responsibility?? Is it reporting on all 3 reports??

[LohaLonnie]

What was the date of this service?? Sept 26-27, 2014​

Do you have an EOMB stating that this amount is accurate and is your responsibility?? Y​es, for $2626.94

Is it reporting on all 3 reports?? No, just EQ

​

Hope this helps

 

[Why Chat]

Why do you believe the amount is accurate?? Does your EOMB show what they allowed, what was paid and what is patient responsibility?? Does it indicate that this amount is for a deductible and/or co-pay?? Did you check this site to see what you SHOULD have been billed??

 

https://www.healthcarebluebook.com/

[LohaLonnie]

I went to the site. I'm not sure what to put down for the procedure that was done to see what should have been billed

 

Here is what my EOB states:

 

Sept 26-27, 2014

Amount Billed: $6774.04

Discount: $867.79

What Your Plan Paid: $3279.31

What I Owe: $2626.94

You Saved: $61%

 

Looking at the Type of Service it states I was in an operating room which cost $3973.00. But I was never in an operating room. I was in the same room when the procedure was done. The private room cost $1278.00.

So if $3973.00 was removed from the amount billed, I should be actually billed $2801.04 (before all the discounts, etc) --- I don't know if that matters, but an operating room is totally different than a private room. Brining in gloves and a tray doesn't make it an operating room.

[Why Chat]

I went to the site. I'm not sure what to put down for the procedure that was done to see what should have been billed

 

Here is what my EOB states:

 

Sept 26-27, 2014

Amount Billed: $6774.04

Discount: $867.79

What Your Plan Paid: $3279.31

What I Owe: $2626.94

You Saved: $61%

 

Looking at the Type of Service it states I was in an operating room which cost $3973.00. But I was never in an operating room. I was in the same room when the procedure was done. The private room cost $1278.00.

So if $3973.00 was removed from the amount billed, I should be actually billed $2801.04 (before all the discounts, etc) --- I don't know if that matters, but an operating room is totally different than a private room. Brining in gloves and a tray doesn't make it an operating room.

As far as I can tell, you owe NOTHING. The OC accepted your insurance, which means that they accepted the discounted amount paid of $3279.31, any amount showing as "owing" is balance billing which is ILLEGAL, unless your EOMB shows that this amount was your deductible and/or co-pay.

 

Check with your insurance Co and get an EOMB that shows "patient responsibility" NOT the balance between what was allowed by your insurance and the approved amount they paid.

[LohaLonnie]

I want to make sure that I understand everything that you are saying. Because right now I'm in the blue about this. I truly appreciate all your help that you have given!

 

So I hope by me detailing the claim that I can understand you last post. Because if I don’t owe I will make sure that I don’t!

This info is the last page of my EOB

 

Amount Billed: $6774.04

Discount: $867.79

Amount Not Covered: $0.00

Amount Covered: $5906.25

Copay/Deductible: $2262.58

The Plan Paid: $3279.31

Coinsurance: $364.36

*Coinsurance: After you have met your deductible, the costs of covered expenses are shared by you and your health plan. The percentage of covered expenses you are responsible for is called coinsurance

 

 

Please let me know what you think

[Why Chat]

I want to make sure that I understand everything that you are saying. Because right now I'm in the blue about this. I truly appreciate all your help that you have given!

 

So I hope by me detailing the claim that I can understand you last post. Because if I don’t owe I will make sure that I don’t!

This info is the last page of my EOB

 

Amount Billed: $6774.04

Discount: $867.79

Amount Not Covered: $0.00

Amount Covered: $5906.25

Copay/Deductible: $2262.58

The Plan Paid: $3279.31

Coinsurance: $364.36

*Coinsurance: After you have met your deductible, the costs of covered expenses are shared by you and your health plan. The percentage of covered expenses you are responsible for is called coinsurance

 

 

Please let me know what you think

How much was your deductible?? Find out from your insurance, had it been already met??

*Coinsurance: After you have met your deductible, the costs of covered expenses are shared by you and your health plan. The percentage of covered expenses you are responsible for is called coinsurance

 

This is as clear as it can be ALL YOU OWE IS $364.36

Edited September 3, 2015 by Why Chat

[LohaLonnie]

I was thinking that same thing too!

"You've paid a total of $3,000.00 toward your $6,000 out of network family deductible for 2014

Your $3,000 in network family deductible has been met for 2014

You've paid a total of $3,364.36 toward your $9,200 out of network out of pocket limit for 2014

You've paid a total of $3,364.36 toward your $4,600 in network family out of pocket limit for 2014"

 

So, yes my deductible was met. I suppose now I need to talk/send a letter to my insurance company or the OC to change the amount I owe to $364.36

 

 

[Why Chat]

If you have a record of the above data, then send the OC the $364.36 with ALL the supporting documentation from your EOMB and statement of deductibles HIPAA letter insert "a", make sure you itemize the accounting, just as shown above and refer to the laws against "balance billing".

http://kff.org/private-insurance/state-indicator/state-restriction-against-providers-balance-billing-managed-care-enrollees/

[LohaLonnie]

Also I just realized the how the OC got to $2626.94. They added the coinsurance and the copay/deductible together. Which I'm pretty sure is NOT OK.