Debt collection -- Attempts to collect debt not owed -- Complaint #5110825
Complaint Overview
Complaint ID: 5110825
Company: Certified Solutions, INC
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: New Jersey
ZIP Code: 079XX
Date Received: 2022-01-14T12:00:00-05:00
Date Sent to Company: 2022-01-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I was admitted to XXXX XXXX XXXX for a XXXX XXXX, resulting in a few stitches, nothing more. Here, they did not run my medical insurance, they did not ask me if I had insurance, or care to check records. At the time, I was so focused on my severe pain that I did not think to take out my insurance card, but then again, remembering to run my own insurance while in severe pain is NOT my responsibility as the patient. It is the hospitals sole responsibility. I assumed they had my insurance on file as I was sent home without a bill included in my discharge papers. Well over 3 years later, I received a bill for {$5200.00} from Certified Credit & Collection in XXXX XXXX, NJ. When I first called this collection agency in XX/XX/XXXX, I asked for an itemized bill, because I was concerned with what this was about. After all these years, I thought my insurance took care of this bill. Naturally, I asked if my insurance was ran in XXXX. This is when my account representative, XXXX, ( Possibly XXXX, they are hard to understand ) told me that my insurance was NOT ever ran by the hospital. This is the first time I became aware of this information, on XX/XX/XXXX. My account representative told me she would reach out to the hospital for notes. And ever since that conversation, I have tried to reach out to my account representative more than 6 times for said hospital notes. I was told I would receive a call back every time I reached out, and I never have. I have been following up daily and I get no feedback. In fact, the more that I follow up, the more angry and rude this agency becomes. This agency has used abusive language with me, today XX/XX/XXXX at XXXX, saying that " I lied '' and that " they try to call my but my phone is disconnected ''. My phone number has never been disconnected since I obtained it over 15 years ago. That is 100 % false, an intimidation tactic, and predatory. Especially because I have documentation from XXXX of incoming call logs with no call coming from them, and I have documentation from XXXX of outgoing call logs with multiple calls from me to their agency. I also have documentation from XXXX that my phone has not ever been disconnected or shut off. Additional from the abusive language from this agency, to my knowledge, this debt is no longer collectable and they should not be contacting me about it. It has been over 3 years without running my insurance on their end, thus a medical insurance claim can not be filed. And according to my insurance agency, this debt is the sole responsibility of the hospital now.
Frequently Asked Questions
What is Complaint #5110825 about?
Complaint #5110825 was filed against Certified Solutions, INC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-01-14T12:00:00-05:00.
How did Certified Solutions, INC respond to this complaint?
The company responded with: "Closed with explanation". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Certified Solutions, INC?
Yes, visit the Certified Solutions, INC company profile at readthecomplaint.com/company/certified-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.