Debt collection -- Written notification about debt -- Complaint #10826099

Complaint Overview

Complaint ID: 10826099

Company: N.A.R., INC.

Product: Debt collection

Sub-Product: Medical debt

Issue: Written notification about debt

Sub-Issue: Didn't receive enough information to verify debt

State: Utah

ZIP Code: 84010

Date Received: 2024-11-16T12:00:00-05:00

Date Sent to Company: 2024-11-16T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I was contacted on XX/XX/XXXX for the first time by NAR in regards to a medical bill from XXXX XXXX XXXX XXXX from XXXX XX/XX/XXXX. I hadn't ever received a bill prior to this from them but I did receive bills from XXXX XXXX XXXX where they operate in which all were paid. NAR claims they sent a bill to my address on XX/XX/XXXX but this was never received, they then claim that they tried calling my phone number on XX/XX/XXXX but I was out of the country on my honeymoon and had no missed calls nor voicemails when I returned to service. The first time they did make contact with me was XX/XX/XXXX in which my phone rang once and before I could answer it the call ended and within XXXX minutes my mother, father, both of my sisters and my brother in law were all contacted asking for my information. NAR has no right to contact my family especially when they haven't made a full contact attempt ( no message left, no additional phone calls, no letter sent ) and it is not ok that they harassed me and my family by contacting them in that manor. On XX/XX/XXXX I was informed I had a debt but was not given any proof or evidence of debt, I was sent an email that NAR told me was their proof but it had no proof of anything and was typed out in email format that basically said " You owe us {$160.00} because we said so ''. I emailed them on XX/XX/XXXX requesting information and proof of the debt and bill however none of that was sent. I received an email from them that said " your dispute is declined as you provided no proof of right to dispute '' and non of the information I requested was given. I tried contacting XXXX XXXX XXXX XXXX based on the phone number I was emailed from NAR and was informed that the number I called was no longer the billing party for XXXX XXXX XXXX XXXX and that they had no information about me nor my account. They told me to contact the hospital to get the information for the new biller which I did and the new billing group stated that I had no account with them and they had nothing outstanding for me. I spoke with an NAR employee and their manager on XX/XX/XXXX on the phone and they stated " we are not obligated to leave a voicemail as we can't leave personal information on a message. '' There is a plethora of ways to leave a voicemail without including personal info and NAR demonstrated significant negligence by not doing so especially since they hadn't made contact with me yet. I was also told that NAR " assumes that after 2 phone calls, even without a message, that the person being called will call us back. '' I asked the manager if I could dispute this debt because I never received a bill and they have made a poor attempt to collect and the option I was given by the manager to dispute was " If you'd like to dispute we can, we just need you to pay the total amount of the bill or be setup on a payment plan. '' I'm not sure how NAR defines disputing but it is certainly not settling for their demands and again makes no logical sense. I am disappointed that NAR operates upon assumption and negligence. Prior to speaking to the manager I spoke with the employee that I spoke with on XX/XX/XXXX and when I asked " I never knew I had a bill, how would I know how to pay it? '' and I was told " It is your responsibility to pay for any services regardless of it you knew you had a bill or not. '' This clearly makes no logical sense and demonstrates the delusion and unprofessionalism NAR operates on. The employee I spoke with also informed me that the reason I didn't get a bill from XXXX XXXX XXXX have been due to the fact that their company was " locked out of their billing system '' for a number of months but I don't see how that would fall on me to be my problem. They should have figured out an alternative way to bill or even contacted me about it. I emailed NAR again onXXXX requesting information such as original bills, itemized statements, supporting documentation of the bills, phone call recording from my calls with NAR, original account number, proof of attempts to collect supposed debt, contact information of billing party and confirmation of authority to collect debt. None of that information was sent to me and they didn't try to contact me again via phone or email. NAR has not sent anything I've requested and due to this and their lack of attempt to contact I am more inclined to believe this is a scam or just terrible work by a debt collector.

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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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