Debt collection -- Attempts to collect debt not owed -- Complaint #10691133

Complaint Overview

Complaint ID: 10691133

Company: Ar Resources, INC.

Product: Debt collection

Sub-Product: Medical debt

Issue: Attempts to collect debt not owed

Sub-Issue: Debt is not yours

State: Tennessee

ZIP Code: 37066

Date Received: 2024-11-04T12:00:00-05:00

Date Sent to Company: 2024-11-04T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I have sent three letters to both AR Resources and XXXX XXXX at XXXX XXXX disputing the validity of this debt. I have provided proof that I provided my proof of insurance at the time of services rendered. XXXX XXXX billed my insurance and has billed me correctly for the patient portion of my responsibility. It is the responsibility of the provider to bill the insurance within a timely manner. I fulfilled my duty of providing my insurance information and have given proof through the ER Visit Summary attached. It is unlawful to attempt to collect 100 % of this debt from me due to the provider not filing in a timely manner. I was not made aware of this debt until being notified via phone by AR Resources in XXXX of 2024. I immediately told them that I gave them my insurance information and this was to be processed through them because I would pay my patient responsibility. They said that the insurance can no longer be billed due to it being past one year. This is the first I had been made aware of this debt. All bills through XXXX XXXX were processed through my insurance. I was not aware of this provider or the physician being billed separately. Since being notified of this debt via phone one year later in XX/XX/year> by the debt collection company, AR Resources, I have sent 3 letters, one being certified, disputing this debt and requesting more information. I have not received the requested information such as the proof that they attempted to bill my insurance. I also requested validation of this debt including an itemized summary of medical codes and charges. This is my right to receive this document under the Fair Consumer Reporting Act but I have never received this from XXXX XXXX at XXXX or AR XXXXesources despite sending 3 letters requesting this and disputing the debt. I recently sent yet another letter in XX/XX/year> requesting an itemized bill, validation of the debt, and proof of my patient responsibility including their attempt to bill the medical insurance I provided at time of service. I have yet to receive any response from them. This debt is not my responsibility, it is the providers responsibility to file the insurance once the insurance information is provided which I have attached documentation showing this was done at time of services rendered. The practices and actions of this provider is unlawful and violates consumer right 's including the No Surprise Act, Fair Consumer Reporting Act, I have sent three letters to both AR Resources and XXXX XXXX XXXX XXXXXXXX XXXX disputing the validity of this debt. I have provided proof that I provided my proof of insurance at the time of services rendered. XXXX XXXX billed my insurance and has billed me correctly for the patient portion of my responsibility. It is the responsibility of the provider to bill the insurance within a timely manner. I fulfilled my duty of providing my insurance information and have given proof through the ER Visit Summary attached. It is unlawful to attempt to collect 100 % of this debt from me due to the provider not filing in a timely manner. I was not made aware of this debt until being notified via phone by AR Resources in XXXX of 2024. I immediately told them that I gave them my insurance information and this was to be processed through them because I would pay my patient responsibility. They said that the insurance can no longer be billed due to it being past one year. This is the first I had been made aware of this debt. All bills through XXXX XXXX were processed through my insurance. I was not aware of this provider or the physician being billed separately. Since being notified of this debt via phone one year later in XX/XX/year> by the debt collection company, AR Resources, I have sent 3 letters, one being certified, disputing this debt and requesting more information. I have not received the requested information such as the proof that they attempted to bill my insurance. I also requested validation of this debt including an itemized summary of medical codes and charges. This is my right to receive this document under the Fair Consumer Reporting Act but I have never received this from XXXX XXXX at XXXX or AR Resources despite sending XXXX letters requesting this and disputing the debt. I recently sent yet another letter in XX/XX/year> requesting an itemized bill, validation of the debt, and proof of my patient responsibility including their attempt to bill the medical insurance I provided at time of service. I have yet to receive any response from them. This debt is not my responsibility, it is the providers responsibility to file the insurance once the insurance information is provided which I have attached documentation showing this was done at time of services rendered. The practices and actions of this provider is unlawful and violates consumer right according to federal laws and regulations.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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