Bureau Of Medical Economics

Awful company to deal with - it was an issue with my travel insurance and I had 18 months of hassle, repeat conversations, promises that it would all be dealt with and downright lies.

In the end, I did the work myself and enabled the correct payment from my insurance company. I asked for a letter or an email confirming that I owed no money from them last July but no response

A letter of complaint has been ignored as well. As a UK resident who is not familiar with the US system of healthcare insurance, this has been incredibly stressful

Please see our response attached. thank you.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

Thank you for the opportunity to respond to this complaint.We have reviewed our records and consulted with the billing office of Premier Emergency Medical Group regarding this account.This account in the amount of $231.96 was assigned to the agency on 2/5/2013. Our records...

indicate that the balance is the co-pay amount due from the subscriber per the patient's insurance, Health Net. We included an itemized statement of the bill for reference.The emergency physicians do not receive reimbursement from the hospital facility, Dignity Health in this case, but bill separately. They do not mirror any reductions that are offered at the hospital for financial aid. Also, since the account was already billed and paid by Health Net, a reduction of the self-pay balance is not allowable per the policy's stipulations. There had already been an adjustment applied to the account per the contracted rate with Health Net.Our account notes indicate that bills were sent by our office on 2/6/2013, 3/26/13 and 5/21/15. Our office received a call from Mrs. Light on 3/14/13 stating that they had applied for financial aid and that she would be calling in a few weeks to set up a payment plan for this balance.On 4/5/13 we were asked to hold the account for charity reduction consideration by a person named [redacted]. We checked and found that [redacted] is not with Premier Emergency Medical Group. We assume this individual was with the hospital facility, which is not the correct creditor.Today we reviewed the account with our client's billing office for any updates. They stated that the balance is still $231.96 and that there was no charity application received by their office. On 5/20/15 a message was left for a call back to discuss this account and another bill was sent to the consumer. We received a call back on 6/2/15 in which the consumer was wondering why we sent another bill. He stated that he thought he had paid this bill. Our office asked him to look for payment information so that we could verify the payment with our client.It appears that this consumer has the facility charge and the emergency physician charge confused. We will delete this account from the consumer's credit report if payment is received. Please let us know if there is further information necessary to close this complaint.

As stated in our last response, this account is on hold pending [redacted]'s reconsideration of the claim. There has been no data transmitted to the consumer's credit profile. Please let us know when you hear from [redacted]. Thank you.

Thank you for the opportunity to respond to this complaint. We received a complaint to which we responded with the requested validation to a different address as provided to the Revdex.com 2 weeks ago.
We have been able to contact this consumer this morning at the provided...

phone number to resolve the issue and updated our records to the Waddell address. A claim will be provided to the consumer's insurance and the account has been ordered deleted from his credit report. Due to the address provided originally by the creditor, the consumer didn't have the opportunity to submit his insurance information for payment.
Please let us know if there is any further information needed to close this complaint. Thank you.

July 7, 2014

Revdex.com Complaint ID# [redacted]

Dear

Thank you for the opportunity to respond to the above referenced complaint.

We have reviewed the consumer’s accounts referred to our agency which are:

File...

#                    Original Creditor                                   Date Assigned           Amt. Assigned                      Balance as of 6/30/14

#[redacted]               [redacted]               4/22/2013               $168.67                                 $ 102.29

#[redacted]               [redacted]               4/8/2013                 $  85.13                                 $   85.13

#[redacted]               [redacted]                              1/31/2013               $ 158.40                                $ 158.40

We have not received any communication from this consumer directly on any of these accounts until this past week when we received this complaint from the Revdex.com and

also a complaint from the credit reporting agencies ([redacted] & [redacted]) requesting account information (an itemized statement to validate the debts is being forwarded to the debtor as well as being sent as an attachment to this response).

We have not received a check in the amount of $25.75 at the agency and have contacted the providers involved to inquire if there was such a check received by them. Both providers confirmed that they have not received such a check. We can only assume that the check Ms. [redacted] is referring to was perhaps remitted to the hospital facility or another provider involved that is not a client of the Bureau of Medical Economics. 

We had received a copy of a letter that was mailed to [redacted]’s offices back in July 2013 (a copy is attached) that states that Ms. [redacted] was working through [redacted] and that she was going to be sending $30.00 monthly payments. We duly noted her account but the monthly payments were not received and subsequently the balances due were correctly reported to Ms. [redacted]’s credit profile since that commitment wasn’t kept.

 

No payment was received on Ms. [redacted]’s account until a $25.00 payment was received on check #[redacted] on 1/27/14 and then another payment on check #[redacted] in the amount of $77.29 which posted to her account on 5/8/14.

It appears that Ms. [redacted] had a misunderstanding about the check for $25.75, therefore we are ordering the accounts deleted from her credit record but we also wish to advise her that there is no obligation for the agency to do so. We would suggest that should she find she has an account with a collection agency in the future, that contacting the agency directly would be the most expedient way to work out a payment arrangement. 

We have since learned that Ms. [redacted] has contacted [redacted] on 7/1/14 and paid her remaining balance in full with a credit card payment. [redacted] Associates also advised us that she had given them her credit card payment information on 7/1/14, which is pending processing by their office.

We thank Ms. [redacted] for resolving her accounts. Please let us know if there is any further clarification needed to close this complaint.

Our records indicate that the account was paid on 11/13/14 and that we electronically transmitted a deletion order to the credit bureaus on 12/1/14. If this consumer sees this item on one of her credit reports, the error is with the bureau listing it. We sent the deletion order and it shows deleted...

on our system. There is no method of deleting the account twice.Please contact the credit bureau that shows the error and dispute their listing. They will send the dispute to us for verification. Or, have the errant credit bureau contact us via phone to confirm that we ordered the deletion.Thank you!

As stated on our previous response, we have already held this account from credit reporting and further collection activity. At the moment, we are awaiting a response from the administration office for Premier Emergency Medical Specialists regarding a charity adjustment request submitted on 8/18/15. This consumer will not hear from us until there is a determination on the charity write off. Thank you.

Thank you for the opportunity to respond to this consumer's complaint. It appears that this issue has been resolved per the consumer's requested settlement on 3/28/14 with confirmation sent to [redacted] mailed on 4/1/14. The balance of $118.00 in question was owed due to [redacted]...

health insurance's assignment of the amount to her yearly deductible. [redacted] paid her balance on January 15, 2014 as stated and her credit report reflected correctly that the account was paid in full.The convenience fee charged on her on-line payment was an option she had chosen as our on-line payment site does state that a check or money order can be mailed to avoid the fee. Upon receiving [redacted] dispute via the Consumer's Financial Protection Bureau, our agency deleted the item from her credit bureau report pending resolution.Please advise us if there is any further information needed in order to close this complaint.

So, I still have a few issues with the "itemized list".
For one, the charge from 01/07/2014 simply states EMERGENCY DEPT VISIT. PEMS, the company charging me, is charging me for a hospital visit that occurred during my time visiting a friend at [redacted] hospital. I had fainted and vomited, and never requested to be admitted to the hospital. I literally woke up in the ER, against my will. I was never diagnosed during my stay, and I've already had [redacted], the hospital itself, agree that I should not have been charged for my stay at all. I don't have health insurance, do not have any source of income, and am a full-time student, spending whatever loans I am able to secure on college tuition. 
 
For the second charge, from 08/21/2013, the charges should be adjusted to reflect that I still have bruising from the numerous attempts from Interventional Radiology's staff attempting to insert this device time and time again, and failing. I endured severe pain from this, and my family members witnessed it all. It is one of the reasons I'll never, as long as I live, return to a [redacted] hospital for anything. I want to also reiterate that I'm not sure how you expect a student with no income to pay for services that he never authorized, and requested to decline, against doctors' orders. There's also a description of a service title "0" that I am apparently expected to pay $34 for. Please let me know what you can do for me, as I was not conscious during my admittance to either hospital, and asked to leave upon regaining consciousness at both hospitals. Instead of heeding my requests, these hospitals kept me there and failed to even diagnose what was wrong with me in the first place. In turn, I've had both hospitals retract any and all claims for payment to them, as I did not sign anything stating that I agreed to pay for said services, nor did I even request the services of either hospital in the first place.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

Thank you for the opportunity to respond to this complaint. Our records indicate that this account was assigned to our office on 12/2/2013 for a date of service of 5/25/2011. Our notice was returned by [redacted] due to "No Mail Receptacle". We attempted to contact the consumer several times via telephone...

but the number stated "Not Accepting Calls at this Time". Over 2 years after the account was assigned, we received notice of [redacted] eligibility but the information was received many months past the timely filing limitations required for [redacted] claims. Our client's records indicate that the insurance presented on the date of service was PHS Indian Health Service but the claim submitted to them was denied. The consumer has paid his account today and the account is resolved. We have ordered the item deleted from the consumer's credit report. Please let us know if there is additional information needed to close this complaint. Thank you.

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[redacted] has not close the case yet. The case involves [redacted] and other parties and businesses in which it created the situation. The situation is the EMT/paramedic that was on the scene did a improper procedure. The improper procedure cause mis diagnosis. He felt emergency transportation to the hospital was needed. I was alert and aware of everything that was going on. [redacted] is sending me another letter and I will forward a copy to Revdex.com and the other parties and businesses involved.

Regards,

Thank you for the opportunity to respond to this complaint. This account was assigned to collections on 1/16/15 for the amount of $171.60 still open on the account for services by [redacted]. We did hear from this consumer on 2/2/15 in which he stated that he had an appeal...

sent to [redacted] regarding the charges. The acknowledgement letter from [redacted] submitted is for another provider, [redacted], not for the bill for [redacted]. We don't have any further information on file regarding this account. Three messages were left on voicemail to have the consumer call us to give an update on a resolution with his insurance. We didn't receive a response to these messages. On 4/16/15, the telephone number on record was disconnected. We have updated our records to reflect the current phone number for this consumer as listed on the complaint.Contrary to the consumer's complaint, this account hasn't been resolved. The acknowledgement from [redacted] of the appeal doesn't apply to this account and if it did, there is no indication that [redacted] reconsidered and paid the balance due to the appeal after almost 4 months.We have not listed this account on the consumer's credit record due to his appeal but we do need to hear from the consumer promptly regarding any response from [redacted]. We encourage Mr. [redacted] to give our office a call at ###-###-#### in order to resolve this account.Please let us know if there is any additional information needed to resolve this complaint.

Thank you for the opportunity to respond to this complaint. This consumer's transaction was reversed and credited to the consumer's credit card account on March 13, 2015. We apologize for any perceived delay. There are several time lapses involved when on-line credit card payments are...

made. First there is the time lapse between our payment processing company taking in the transaction data and the funds being deposited into the agency's bank account.  Then there is a time lapse between receiving the transaction information from our bank's deposit and our posting department getting the information to post to accounts. Because the consumer made an error in sending the payment, and there was no account in our system to reference, the call to our call center was not a usual situation and we apologize that the agents were not sure how to help.Please let us know if there is any further information necessary to resolve this complaint. Thank you.Tell us why here...

Thank you for the opportunity to respond to this complaint. Our records show that this account was assigned to the agency on 2/4/2010. We have no record of a mail return on our notices sent to the consumer. The account was paid on 6/4/2010 and we accurately reported the account as paid to the...

credit reporting agencies involved. Because the consumer has stated that she was no longer at the address, we are deleting this account from the consumer's credit profile. We are sending confirmation of the deletion to the updated address given on the consumer's statement. Please let us know if there is any further information necessary to close this complaint. Thank you.

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

Please see our response to the complaint attached. Thank you!

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved. I want to Thank [redacted] at the Business office helping me resolve this issue.

Regards,