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Help with deleting paid medical collection

The last post in this topic was posted 816 days ago. 

 

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My daughter had a medical procedure done back in early 2015. I paid the amount due and everything was fine. In fact, I guess I overpaid, because about a month later, I received a check back from the medical provider after insurance adjustments had been paid.

 

Around December of 2015, I received a bill again from the medical provider, stating that due to further adjustments, I now owed them money again. I didn't understand it then, and I still don't understand it now, but that's not really the point. I talked to the medical provider a few times and then to my insurance a few times, and never got a really clear answer as to why I owed money, when they had sent me a reimbursement check earlier that year. Since I didn't understand it, I never paid.

 

Fast forward to this year, and in March, the medical provider sent my bill to collections. I had forgotten all about WhyChat's HIPAA method, so this is what I did instead: I called the OC medical provider and paid them. I'm never going to pay a CA, so that's why I paid the OC. I had hoped the OC would contact the CA to remove the collection. Well, they didn't. Instead, the CA just updated the account to say "Paid." (as a sidenote, the amount the CA is reporting isn't even accurate, it's off by about $0.50, for whatever that's worth)

 

I sent a letter to the CA based upon this letter at https://creditboards.com/forums/index.php?showtopic=536064&p=5137907

 

That letter apparently did no good, because the CA never did anything.

 

I then went online to EQ, TU, and EX to dispute the collections by claiming "Not Mine." The collections all came back verified.

 

It was at this point that I then remembered all about WhyChat and HIPAA.

 

I typed up a letter to the OC medical provider based upon this letter at https://whychat.me/hipltr.html

 

I used the ( b ) insert, since I had paid them already, with the receipt attached.

 

I had hoped that they would contact the CA to delete the collections, but instead I got a response back from the OC medical provider detailing that the Paid Collections was accurate and some other information that was basically telling me that they weren't going to do anything.

 

So I guess my next step is to send letters to the CRAs, as well as a follow up letter to the OC medical provider? Should I send a letter to the CA as well, based upon the letter from https://whychat.me/ltrcavalhipaa.html? Do I send all these at the same time? Or the CRAs first, and then then the OC, and then the CA?

 

Have I already screwed myself by doing incorrect steps first, before doing WhyChat's method?

 

Thanks!

Edited by liech

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When you paid the medical provider they had already sent the account to a CA. They properly notified the CA that the account was paid and the CA properly changed the unpaid collection to a paid collection.

 

It is very difficult to "un-ring a bell".

 

START OVER

https://whychat.me/GUIDEBOOK.html

 

https://whychat.me/GUIDE%20HIPAA%20PROGRAM.html

 

Send the CRAs the initial dispute letter

https://whychat.me/hipaadisp.html

 

IF you have disputed with the CRAs within the past 90 days you will have to wait until their computer system is cleared

 

If the account is not deleted, send the reporting CA this;

https://whychat.me/ltrcavalhipaa.html#PAID

 

and then send the CRAs this

https://whychat.me/ltrcavalhipaa.html#DISPUTE

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CRs had paid medical collection from Grant Mercantile Agency.  Made a mistake and paid $120 balance after they refused PFD.  Disputed to all 3 CRAs and CA verified.  Sent @Why Chat's alternate medical DV for paid collections to Grant Mercantile Agency late last week.  Collection account removed from all 3 CRs by today! Thank you!

Edited by peytontaylor

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10 hours ago, peytontaylor said:

CRs had paid medical collection from Grant Mercantile Agency.  Made a mistake and paid $120 balance after they refused PFD.  Disputed to all 3 CRAs and CA verified.  Sent @Why Chat's alternate medical DV for paid collections to Grant Mercantile Agency late last week.  Collection account removed from all 3 CRs by today! Thank you!

You are welcome, however for anyone reading this post-- you could have saved the $120. by using the HIPAA letter program from the beginning and not put $$ into the grubby hands of a CA.

https://whychat.me/GUIDEBOOK.html

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6 hours ago, Why Chat said:

You are welcome, however for anyone reading this post-- you could have saved the $120. by using the HIPAA letter program from the beginning and not put $$ into the grubby hands of a CA.

https://whychat.me/GUIDEBOOK.html

Yikes. So I was paying OC McCormick Ambulance for over a year for an ambulance ride I took.  No interest payment plan.  I moved and they didn't have the new address.  After a few months they just sent the $600 balance to CA Grant Mercantile Agency.  I began making payments to Grant Mercantile Agency but I argued I didn't owe interest and didn't make final $120 payment, so they reported to CRAs. Essentially, I could have used your program to save the entire $600 and keep the collection account off my CRs?

Edited by peytontaylor

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It is more than likely that you paid the ambulance service too much. If you had insurance they should have been paid the approved amount if it had been properly billed. In any case it would have been a LOT less than you paid.

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