J.R. Brothers Financial Inc.

Review: We received one page letter stating we owe money with no itemized bill. Within a few days they called me while I was at work. I tried to explain I was not in a position to deal with this at the time and that my wife handles the bills but the gentleman begin to harass me on the phone saying things like "Just get your check book right now and write a check." I tried to explain I was not at home and did not have a check book with me but he just kept talking over the top of me. I had to just hang up on him because he would not listen to anything I said.

I met my wife for lunch and told her about it and we decided to call them back and complain to a manager during our lunch break. I called and asked to speak to a manger. I was connected to a woman and explained the situation. She seemed to listen but then asked about payment. I gave the phone to my wife who explained she was researching the bill. She explained we had made payments on that bill that were not reflected in the total. The woman kept saying "There were no payments on this bill". My wife told her we have proof (canceled check) and the woman started to demand setting up payments for the bill. My wife explained we were at lunch and not in a position to make the arrangements at this time and that she was not done with researching and gathering documentation. She also told the woman that she would call later to make the arrangements if it turns out we still owe money but that we were calling at that time to complain to the other persons manager about the phone harassment. The woman then told my wife that the first gentleman was HER manager and that he did nothing wrong. The woman then started harassing my wife by talking over the top of her and saying she would turn it in as "Refusal to Pay" and it would go on our credit. My wife said "I'm not trying to argue with you. I just got the letter this week and need time to gather all my documentation." The woman threatened if a payments were setup she would put it on our credit report. My wife ended up having to hang up on the woman because she was not listening and just kept talking over the top of her.Desired Settlement: I would like to deal with a reasonable person and determine how much / if any money we owe. There is some discrepancy on if this was a non-covered medical procedure or if it was a part of the deductible charge. This was for treatments after an expensive hip surgery so all our deductibles should have been met by that time. The woman on the phone slipped once and said it was part of the deductible so we need to determine if there is an insurance mistake or if we owe the money. Also, we do have documentation that some of the bill was paid and it needs to be applied to the amount if we do indeed owe it and refunded if we do not owe it.

Business

Response:

Mrs. [redacted] told our representative she thought these medical bills were paid. She stated she would mail us copies of canceled checks, which she hasn't yet to this date. Instead they file a complaint with the Revdex.com. From our point of view that places us in a no win situation as we try to work with all debts.

Therefore we mailed a copy of the itemized statement to them showing charges and credits. If they dispute these amounts they must show proof of payments.

Sincerely,