Mr. [redacted]’s rebuttal to the Revdex.com is unfortunate. Our Finance team mailed five statements to Mr. [redacted]; statements were mailed on 4/30, 5/28, 6/25 7/23 and 8/20. In addition, our staff attempted to contact Mr. [redacted] by phone on 7/28; however, the phone number provided to our company was not a good number. We mailed a Final Demand letter on 7/28 warning Mr. [redacted] that his account would incur a service charge and be sent to collection if he did not contact us immediately regarding the outstanding balance. Again, on 8/14 we made an attempt to contact Mr. [redacted] by email to remind him of the past due balance. The first time Mr [redacted] contacted Texas MedClinic regarding the outstanding balance for his April visit was on 8/25 when he returned the Final Demand Letter with a note that included his current phone number. We used the phone number to reach out to him again. During our phone conversation with Mr. [redacted] we explained that our company does not accept third party insurance as payment for services. In many cases, third party insurance carriers will make “at fault determinations” weeks or even months after the clinic visit and often when the insurance carrier closes their case they assign fault to another party who is then expected to pay or they determine that the patient has been reimbursed by another insurance company. When this occurs we are required to reimburse
the carrier and seek payment from the individual/company at fault. This scenario occurs frequently in auto accident cases. During our phone conversation with Mr. [redacted] on 8/25 our staff advised him that he was at risk for having his account go to collections. Unfortunately, Mr. [redacted] did not heed this advice and pay his balance before his account was assessed a 24% service charge and sent to a Collection Agency on 9/16.
In closing, Mr. [redacted] was told of his responsibility prior to going to collections. Additionally, he signed our Financial Statement in which the patient agrees to pay any past due balances not covered by insurance. It is in this Financial Statement, and again in the Final Demand letter, that patients are notified that they will be assessed a Recovery cost up to 30% of their unpaid balance should their account be sent to a Collection Agency. Finally, our website clearly states that we do not accept Third Party Insurance as a form of payment.
As a customer service gesture we will make one final attempt to satisfy the Revdex.com complaint by returning the $94 fee Mr. [redacted] paid, which was added to his account to cover the cost Texas MedClinic incurred when the account was referred to an external collection agency.
At the time of service, the patient provide us with his private insurance for the visit. Texas MedClinic filed a claim for the date of visit and the balance was applied to a deductible. Because the patient had a deductible remaining, the balance was due to Texas MedClinic by the patient. The patient...
had five statements mailed to the address on file, statements were mailed on 4/30, 5/28, 6/25 7/23 and 8/20. Texas MedClinic attempted to contact the patient on 7/28 to discuss the outstanding balance but the number the patient provided to us was not a good number. A Final Demand letter was sent on 7/28. On 8/14 our Billing Department sent a reminder email to the patient. On 8/25 the patient returned the Final Demand with a note stating that he had been traveling and the bill would be covered by USAA insurance, we received this note 4 months after the visit. The patient included a phone number with the note. Our Billing staff contacted the patient on 8/25 to discuss the patient's note, we explained during the call that Texas MedClinic does not accept 3rd party insurances as payment, such as auto insurance this is why the bill is being sent to the patient. Duirng the call, the patient indicated they would contact USAA verify they will reimburse the patient if the patient pays Texas MedClinic for the bill. At this time the patient was advised by our Billing Staff that the patient was at risk for having the account go to collections, as the final demand letter had already be sent to the patient. We did not hear back from the patient nor did we receive payment, the account went to collections on 9/16. The patient called on 9/23 to pay the remaining balance. The patient has sent 7 emails in which the patient has made numerous threats to one of our Billing staff and advised the staff member that the patient would be reporting us the the Tx Attorney General, to the Revdex.com, to US Congressman.
The patient did sign our Financial Statement in which the patient agreed to pay in past due balances not covered by insurance. In addition, the Financial Statement clearly states that if past due balances are not paid, the patient will be sent to a Collections Agency, in which the patient will be responsible for recovery costs up to 30% of their unpaid balance.
Additionally, our website clearly states:
Texas MedClinic does not accept Auto or other Third Party Insurance as a form of payment. However, we will provide the information needed in order for you to file your claim for reimbursement. http://www.texasmedclinic.com/main/insurance.php.
Below is the financial statement the the patient signed.
Treatment Authorization I hereby consent to have Texas MedClinic and its independent contracting physicians care for myself, or an other individual for whom I am the legal guardian, for the problem(s) with which I have presented today or will present in the future.
Billing Statement If payment is made by check and check returns unpaid, my signature authorizes an electronic debit from my account for the check amount and all (applicable) service fees, taxes and related expenses permitted by state law. Payment by check constitutes acceptance of this policy.
HIPAA Acknowledgement I have been provided an opportunity to review Texas MedClinic's Notice of Privacy Practices, which explains how my medical information will be used and disclosed. I understand that I am entitled, upon request, to receive a copy of this complete document.
Financial Responsibility My signature indicates that I agree to be financially responsible for any patient balance due as stated in the insurance Explanation of Medical Benefits (if applicable). If it is necessary to place my account with an outside collection agency, I also understand that I will be responsible for
recovery costs of up to 30% of my unpaid balance.
Financial Responsibility I authorize Texas MedClinic to file for insurance benefits and collect payment(s) on my behalf. I
agree that I will be financially responsible for all charges not paid by my insurance company.
Complaint: [redacted]
I am rejecting this response because:
This company is delusional, greedy, arrogant, liars, unprofessional and violate customers rights when it comes to fair billing practices.
8 Items to Note in which I am completely NOT Accepting the Texas Med Clinic's lies, deception, inaccuracy and incompetency and predatory financial practices.
- The late fee of 30% is insane! I will complain to the US Consumers Protection Rights dept about this almost predatory financial practice. Regardless of the bill being $100 or $10. It's a "Pay Day Loan" predatory charge. Normal late fees are $10-$30, not 30%.
- Ther late fee on my account ( I AM NEVER LATE ON ANY OF MY PAYMENTS) was Caused by TXMD Clinic. I gave them my Insurance adjuster name and said you would have a check in 5 days. They said no. I was NOT responsible for one penny of this bill because of a car accident to be paid by USAA. But I paid almost $500 on my own credit card.
- They also informed me that they don't accept from USAA because sometimes USAA comes back and asks for the money back - a claim diligently denied by USAA and hopefully being investigated by USAA's attorneys for untrue and defaming comments by a company to a consumer.
- TXMC outright LIED to my credit card company when I disputed the $94 Late fee and told them that I had already been reimbursed. I have documentation I can provide right now showing that I HAVE NOT BEEN REIMBURSED A PENNY of this bill.
- Because of the lie above to my credit card company, [redacted] will now INVESTIGATE the false statements made to avoid a credit card dispute. - NOT GOOD NEWS for Tx Med.
- USAA has told me they will not reimburse the $94 late fee, because TXMC should have asked them for payment directly.
- AND VERY IMPORTANT - the doctor that treated my for an injury, released me and said I was good to go. I told him I still had glass in my cheek. He said "No, you are fine." I told him again, yes there is glass and when he checked, he found two pieces. I had to help him do his job!
- And the use of the word "Threats" to Katherine!!! Those were legitimate statements I made about what actions I was taking, as I have the right to do so as a consumer. How do those emails constitute as threats?
NEXT STEPS:
Tx Med Clinic needs to be investigated by various agencies to review illegal business practices, skills of physicians, untruthful statements about USAA, outright lies (As to Chase Bank).
Luckily, the $94 doesn't hurt me financially, I am doing this because of the greed-driven culture of Tx Med Clinic and the deceitful culture and to protect other unfortunate consumers who cannot handle to pay a 30% late fee.
Now having told over 8-9 families and friends to NEVER ever visit TXMC, I look forward to sharing this type of treatment and the lies practiced by TXMC in my social network channels, all of which I have a full legal right to do.
I have wasted so much time on this, but I also want to make sure that a family or single mother who makes the mistake of going to Tx Med Cl and is late on the bill is not ripped off like they walked into a Pay Day Loan company.
GREED is NEVER GOOD and neither is Lying! Chase will be getting back to you about the completely false statement knowingly made to avoid the disputed charge. What proof did you provide that I had been reimbursed? NONE, because it doesn't exist. Call USAA at 800-[redacted] and ask them. My policy # is [redacted] - they will confirm that they have not paid me a dime and that they are not paying the $94.
I will now approach the Consumer Financial Protection Bureau and the Bureau of Consumer Protection in Washington, DC about the 30% late fee and the Lies.
Regards,
[redacted]
Mr. [redacted]’s rebuttal to the Revdex.com is unfortunate. Our Finance team mailed five statements to Mr. [redacted]; statements were mailed on 4/30, 5/28, 6/25 7/23 and 8/20. In addition, our staff attempted to contact Mr. [redacted] by phone on 7/28; however, the phone number provided to our company was not a good number. We mailed a Final Demand letter on 7/28 warning Mr. [redacted] that his account would incur a service charge and be sent to collection if he did not contact us immediately regarding the outstanding balance. Again, on 8/14 we made an attempt to contact Mr. [redacted] by email to remind him of the past due balance. The first time Mr [redacted] contacted Texas MedClinic regarding the outstanding balance for his April visit was on 8/25 when he returned the Final Demand Letter with a note that included his current phone number. We used the phone number to reach out to him again. During our phone conversation with Mr. [redacted] we explained that our company does not accept third party insurance as payment for services. In many cases, third party insurance carriers will make “at fault determinations” weeks or even months after the clinic visit and often when the insurance carrier closes their case they assign fault to another party who is then expected to pay or they determine that the patient has been reimbursed by another insurance company. When this occurs we are required to reimburse
the carrier and seek payment from the individual/company at fault. This scenario occurs frequently in auto accident cases. During our phone conversation with Mr. [redacted] on 8/25 our staff advised him that he was at risk for having his account go to collections. Unfortunately, Mr. [redacted] did not heed this advice and pay his balance before his account was assessed a 24% service charge and sent to a Collection Agency on 9/16.
In closing, Mr. [redacted] was told of his responsibility prior to going to collections. Additionally, he signed our Financial Statement in which the patient agrees to pay any past due balances not covered by insurance. It is in this Financial Statement, and again in the Final Demand letter, that patients are notified that they will be assessed a Recovery cost up to 30% of their unpaid balance should their account be sent to a Collection Agency. Finally, our website clearly states that we do not accept Third Party Insurance as a form of payment.
As a customer service gesture we will make one final attempt to satisfy the Revdex.com complaint by returning the $94 fee Mr. [redacted] paid, which was added to his account to cover the cost Texas MedClinic incurred when the account was referred to an external collection agency.
At the time of service, the patient provide us with his private insurance for the visit. Texas MedClinic filed a claim for the date of visit and the balance was applied to a deductible. Because the patient had a deductible remaining, the balance was due to Texas MedClinic by the patient. The patient...
had five statements mailed to the address on file, statements were mailed on 4/30, 5/28, 6/25 7/23 and 8/20. Texas MedClinic attempted to contact the patient on 7/28 to discuss the outstanding balance but the number the patient provided to us was not a good number. A Final Demand letter was sent on 7/28. On 8/14 our Billing Department sent a reminder email to the patient. On 8/25 the patient returned the Final Demand with a note stating that he had been traveling and the bill would be covered by USAA insurance, we received this note 4 months after the visit. The patient included a phone number with the note. Our Billing staff contacted the patient on 8/25 to discuss the patient's note, we explained during the call that Texas MedClinic does not accept 3rd party insurances as payment, such as auto insurance this is why the bill is being sent to the patient. Duirng the call, the patient indicated they would contact USAA verify they will reimburse the patient if the patient pays Texas MedClinic for the bill. At this time the patient was advised by our Billing Staff that the patient was at risk for having the account go to collections, as the final demand letter had already be sent to the patient. We did not hear back from the patient nor did we receive payment, the account went to collections on 9/16. The patient called on 9/23 to pay the remaining balance. The patient has sent 7 emails in which the patient has made numerous threats to one of our Billing staff and advised the staff member that the patient would be reporting us the the Tx Attorney General, to the Revdex.com, to US Congressman.
The patient did sign our Financial Statement in which the patient agreed to pay in past due balances not covered by insurance. In addition, the Financial Statement clearly states that if past due balances are not paid, the patient will be sent to a Collections Agency, in which the patient will be responsible for recovery costs up to 30% of their unpaid balance.
Additionally, our website clearly states:
Texas MedClinic does not accept Auto or other Third Party Insurance as a form of payment. However, we will provide the information needed in order for you to file your claim for reimbursement. http://www.texasmedclinic.com/main/insurance.php.
Below is the financial statement the the patient signed.
Treatment Authorization I hereby consent to have Texas MedClinic and its independent contracting physicians care for myself, or an other individual for whom I am the legal guardian, for the problem(s) with which I have presented today or will present in the future.
Billing Statement If payment is made by check and check returns unpaid, my signature authorizes an electronic debit from my account for the check amount and all (applicable) service fees, taxes and related expenses permitted by state law. Payment by check constitutes acceptance of this policy.
HIPAA Acknowledgement I have been provided an opportunity to review Texas MedClinic's Notice of Privacy Practices, which explains how my medical information will be used and disclosed. I understand that I am entitled, upon request, to receive a copy of this complete document.
Financial Responsibility My signature indicates that I agree to be financially responsible for any patient balance due as stated in the insurance Explanation of Medical Benefits (if applicable). If it is necessary to place my account with an outside collection agency, I also understand that I will be responsible for
recovery costs of up to 30% of my unpaid balance.
Financial Responsibility I authorize Texas MedClinic to file for insurance benefits and collect payment(s) on my behalf. I
agree that I will be financially responsible for all charges not paid by my insurance company.
Complaint: [redacted]
I am rejecting this response because:
This company is delusional, greedy, arrogant, liars, unprofessional and violate customers rights when it comes to fair billing practices.
8 Items to Note in which I am completely NOT Accepting the Texas Med Clinic's lies, deception, inaccuracy and incompetency and predatory financial practices.
- The late fee of 30% is insane! I will complain to the US Consumers Protection Rights dept about this almost predatory financial practice. Regardless of the bill being $100 or $10. It's a "Pay Day Loan" predatory charge. Normal late fees are $10-$30, not 30%.
- Ther late fee on my account ( I AM NEVER LATE ON ANY OF MY PAYMENTS) was Caused by TXMD Clinic. I gave them my Insurance adjuster name and said you would have a check in 5 days. They said no. I was NOT responsible for one penny of this bill because of a car accident to be paid by USAA. But I paid almost $500 on my own credit card.
- They also informed me that they don't accept from USAA because sometimes USAA comes back and asks for the money back - a claim diligently denied by USAA and hopefully being investigated by USAA's attorneys for untrue and defaming comments by a company to a consumer.
- TXMC outright LIED to my credit card company when I disputed the $94 Late fee and told them that I had already been reimbursed. I have documentation I can provide right now showing that I HAVE NOT BEEN REIMBURSED A PENNY of this bill.
- Because of the lie above to my credit card company, [redacted] will now INVESTIGATE the false statements made to avoid a credit card dispute. - NOT GOOD NEWS for Tx Med.
- USAA has told me they will not reimburse the $94 late fee, because TXMC should have asked them for payment directly.
- AND VERY IMPORTANT - the doctor that treated my for an injury, released me and said I was good to go. I told him I still had glass in my cheek. He said "No, you are fine." I told him again, yes there is glass and when he checked, he found two pieces. I had to help him do his job!
- And the use of the word "Threats" to Katherine!!! Those were legitimate statements I made about what actions I was taking, as I have the right to do so as a consumer. How do those emails constitute as threats?
NEXT STEPS:
Tx Med Clinic needs to be investigated by various agencies to review illegal business practices, skills of physicians, untruthful statements about USAA, outright lies (As to Chase Bank).
Luckily, the $94 doesn't hurt me financially, I am doing this because of the greed-driven culture of Tx Med Clinic and the deceitful culture and to protect other unfortunate consumers who cannot handle to pay a 30% late fee.
Now having told over 8-9 families and friends to NEVER ever visit TXMC, I look forward to sharing this type of treatment and the lies practiced by TXMC in my social network channels, all of which I have a full legal right to do.
I have wasted so much time on this, but I also want to make sure that a family or single mother who makes the mistake of going to Tx Med Cl and is late on the bill is not ripped off like they walked into a Pay Day Loan company.
GREED is NEVER GOOD and neither is Lying! Chase will be getting back to you about the completely false statement knowingly made to avoid the disputed charge. What proof did you provide that I had been reimbursed? NONE, because it doesn't exist. Call USAA at 800-[redacted] and ask them. My policy # is [redacted] - they will confirm that they have not paid me a dime and that they are not paying the $94.
I will now approach the Consumer Financial Protection Bureau and the Bureau of Consumer Protection in Washington, DC about the 30% late fee and the Lies.
Regards,
[redacted]