R.M. Galicia, Inc. Debt Collection Complaint

R.M. Galicia, Inc. Debt collection department,

Medical False statements or representation Indicated committed crime not paying North Carolina

I was first informed of a $120.00 outstanding balance owed - Hospital, from a - -, 2015 - visit, on - -, when my FICO score dropped - points ( - to - ) despite NEVER having received a single bill from either - Hospital or Progressive Management Systems ( PMS ) their debt collection partner that filed the report of delinquency. The - Hospital intake form collected - separate options to contact me, yet I was falsely reported delinquent on a balance of $120.00 ( less than 2 % ) of my bill, without ever being asked for payment. When I asked ( PMS ) to validate the debt, they sent me a master account query from - - dated - clearly showing that for my bill totaling $7000.00 - received 100 % of invoiced amounts within 30 days of the visit : - - $250.00 copay at the time of service -/-/2015 - $2500.00 deduction -/-/2015 - $4100.00 from my insurance company While 20 years of excellent credit worthiness means more to me than anyone else, I am disheartened to learn that neither - Hospital nor their debt collection agency PMS value a 20 year reputation above the cost of a letter, email or phone call alerting me to the debt ; any of which would have resulted in prompt payment of the $120.00 bill. I sincerely hope that I can have support in correcting this false statement of delinquency on my credit report, and shining a light on this destructive " debt parking '' practice, which my own research has revealed victimizes so many innocent patients when they are admitted to hospitals.