The timeline:
July 2002, my husband is hospitalized after an abnormal cardiac stress test. He has a cath done by one of the cardiologists at the hospital (his cardio doesn’t come to that hospital).
January 2003, we receive a notice that our account has been sent to collections. I notice that the address on the bill is completely bizarre. I call the doctor’s office and they say that they got the address from the hospital and that the hospital didn’t have any insurance info on file for us. I give them the insurance info and correct the address.
February 2003, notice from insurance company that bills are paid.
Late February 2003, notice from collection agency that we owe $1600. Called doctor’s office. They refuse to call of the collection agency, claiming that some bills are unpaid. Call insurance agency, they say all bills are paid. Called doctor’s office to say if bills are unpaid must be resubmitted. Sent letter to collection agency.
April 2003, notice from collection agency that we owe $1600. Called. They say bills are unpaid. Ask if they have been resubmitted. Sent letter to collection agency.
July 2003, call from collection agency saying we owe $1600. Asked if resubmitted. Was told that collection agent “is not my secretary.” This refrain repeated in response to all questions. Was told that my letters had not been received. Was told that this claim had been put on my credit record in December of 2002.
August 2003, boss puts insurance agent on trail.
August 7, 2003, insurance agent calls to say that all of the claims had been paid in February, as had previously been said.
Throughout this ordeal, I’ve been called a bitch, been hung up on, had dozens of phone calls, been called irresponsible for not knowing the bill was outstanding, called a liar for claiming I didn’t receive the bills, and screamed at when I said I was unimpressed with their efforts to contact me.
Now, my credit is in the toilet. I’ve gone from a 700-750 to a 500. My insurance bills have gone up (they are based on credit scoring).
I have no idea what legal recourse I have, but I want my mommy.
Julie