FirstCredit, Inc.

Initial Business Response /* (1000, 8, 2016/02/10) */
***
Balances have been verified with original provider as correctValidation of debt will be mailed to consumerIf
consumer has more information available on disputed amounts please contact:
First Credit
Marty S***
Director of Operations
West Market Street suite ***
Akron, Oh
***
Initial Consumer Rebuttal /* (3000, 10, 2016/02/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have print outs from western reserve hospital with totals and dates, even the dates are incorrect on oneMy next step will be an attorney too

Initial Business Response /* (1000, 6, 2015/08/31) */
Contact Name and Title: Alexa S*** HR
Contact Phone: ***
Contact Email:***
Our organization is in receipt of complaint number *** filed August 22, and received August 24, At
this time, we hold accounts for Ms***, for dates of service between 1/23/- 3/20/at the ***, totaling
We have placed all (7) accounts in a hold status, so contact will cease from our officeHowever, this does not mean the balance is forgiven; it will remain patient responsibility until payment in full is received or documentation is received to adjust the balancesIn addition, if the Medical Provider who originally placed the account with our organization or another establishment with which we conduct business provides us with additional accounts, we will continue to follow the guidelines set forth by legislation and contact the claimant in the appropriate measures as set forth by those guidelinesIf the claimant needs further information, we ask that she please contact Holly M***, Manager of Collections via the telephone at ***
Initial Consumer Rebuttal /* (3000, 8, 2015/09/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I am not concerned about the chargesNo money is owed and once the *** has fulfilled their contractual and legal obligations the matt ER will be resolvedFederal law proved them months to submit the claimsThey have many months remaining to submit the claims to Medicare
My request is for this billing company to comply with Ohio's Balance Billing Law which has been in effect since It prohibits this organization from asking any Medicare Beneficiary for money which exceeds Medicare's determination of what the Beneficiary may be billed
This company must request from THIER client a copy of the notice from Medicare which clearly states what that amount is(How else can they comply with Ohio's law?)I am asking for them to agree to comply with current state law
In my specific case, THIER client has until January to submit this claim to MedicareUntil Medicare processes the claim, they are prohibited by state law to ask me for payment on itFederal law requires their client, who is the provider of service, to submit the claim to MedicareTheir client are alone bound by Federal Regulation which requires them to submit the claim within months, and also by Contract with Medicare for Assignment of Benefits which they contractually agree to accept Medicare's determination as payment in fullThese obligations are sole their clients and not theirs
They are, however, bound by State Law, not to ask for money from Medicare Beneficiaries, and I am one, that exceeds what Medicare states that its beneficiary owes
This vendor cannot askI am seeking for them to state that they will comply with state lawI feel that this is a minimal request and one that no one ought to have been put into the postion of asking them to do
My original complaint including the applicable Ohio Law - a pamphlet printed by and distributed by the Sate of Ohio
Final Business Response /* (4000, 10, 2015/09/14) */
Secondary insurance was located on the accounts and claims were sent to *** on 8/25/At this time all accounts are on a hold until the insurance company has had ample time to review the claimsAverage time of review is 6-weeks
If between now and then the claimant has any questions or concerns, she should contact Holly M*** at ***
Final Consumer Response /* (4200, 12, 2015/09/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Respondent's proposal is non responsive
Will they, or will they not comply with Ohio's Balance Billing Law? A copy of the state pamphlet that explains this law is an attachment to my complaint

Initial Business Response /* (1000, 6, 2015/08/31) */
Our organization is in receipt of complaint number[redacted] filed August 15, 2015 and received August 18, 2015. At this time, we hold 1 account for Mr. [redacted], for a date of service of 1/8/2015 at [redacted] Medical Center, with...

a balance of $403.29. The account was placed with the organization on June 4, 2015.
The referenced accounts in this complaint are with UH Physicians Services, with dates of service for May, June and July. At this time we do not have any accounts in our office meeting any of the information provided in the complaint.
We believe there to be a miscommunication between facility and physician charges. We have placed the (1) account we have for Mr. [redacted] on a hold so contact will cease from our office. However, this does not mean the balance is forgiven; it will remain patient responsibility until payment in full is received or documentation is received to adjust the balances. In addition, if the Medical Provider who originally placed the account with our organization or another establishment with which we conduct business provides us with additional accounts, we will continue to follow the guidelines set forth by legislation and contact the claimant in the appropriate measures as set forth by those guidelines. If the claimant wishes to set up a payment arrangement or needs further information, we ask that he please contact Holly M[redacted], Manager of Collections via the telephone at [redacted]
Initial Consumer Rebuttal /* (3000, 8, 2015/09/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I thank the company for their response but I do not wish for them to simply put the account on hold. I would like them to contact their client and ask for substantiation of the debt. During that communication they can share with their client the information I have provided with this complaint.
Final Business Response /* (4000, 10, 2015/09/10) */
FCI has issued Mr. [redacted] an itemized statement of services provided on 1/8/2015 at [redacted]. Due the nature of the information, we did not feel comfortable uploading this information. The account Mr. [redacted] is referencing as paid, is a UH Physicians Services account, the client we are representing is [redacted]. There is a difference between physician charges and facility charges. At present, FCI does not hold any accounts in the office for Mr. [redacted] for UH Physicians Services. We encourage Mr. [redacted] to call Holly M[redacted], Manager of Collections via the telephone at [redacted] for further explanation, as again we believe there is some misunderstanding between physician and facility charges.
This account will remain in a hold status and FCI's attempts at communication will cease. It will remain patient responsibility until payment is received or documentation is received adjusting the balance.
Final Consumer Response /* (2000, 12, 2015/09/13) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you for the additional information. Concerned about this matter I reached out to UH and ultimately spoke with Mr. M[redacted] this past Wednesday. Calling from their new offices on Harvard Avenue he explained the differences between their 2 billing systems. With this explanation I was fully prepared to log in to their online payment system after the call and pay the debt. It was my good fortune that he offered a discount if I provided him credit card information during the call. Obviously I took advantage of the opportunity (see attached)and the outstanding debt has now been paid.
Again, thank you for your cooperation in resolving this matter.

Initial Business Response /* (1000, 5, 2016/06/15) */
[redacted]
A REQUESTED HAS BEEN SUBMITTED TO TRANSUNION FOR DELETION WHCIH CAN TAKE UP TO 60 DAYS TO PROCESS. THE BALANCE...

OF THE ACCOUNT REMAINS UNPAIND AND OWING

Account has been closed and no more letters will be sent and no telephone calls will be made.

Account was coded as a dispute after contactVerification of debt has been requested and will be sent when receivedNo collection activity will occur until verification is sentAccount has never bee credit reported.