The TRAF Group Debt Collection Complaint

The TRAF Group Debt collection department,

Medical Cont'd attempts collect debt not owed Debt was paid New Jersey

I went to - - - - - - ( -, NJ ) on -/-/-. I left the - after waiting over 30 minutes & not even seeing a Triage nurse. I never saw the financial dept nor a physician. In - -, I discovered that A-1 Collection Service ( -, NJ ) had submitted to my credit report a $29.00 balance due from - a year prior ( -/-/- ). I immediately called A-1 Collection Service on - -, - as I had never been notified of a bill via mail or phone call from - or A-1 in the 20 months prior ( -/-/--/-/- ). I spoke with - - - who confirmed that - is alleging that I treated at their - on -/-/- and I never paid their bill. - - also notified me that - had been billing an address that I had not lived at since - - ( - - - ). I provided my correct address. Shockingly - - also admitted that they


I have NEVER heard from anyone at A-1 Collections, not even to collect the debt. The past 2+ months, I have been speaking with my personal insurance carrier ( - - - - - ) in an effort to obtain documentation to prove that - has acted inappropriately and billed for a service not owed by me. I have spoken with - - - Complaint and Appeals Dept many times ( - ) -. - - confirmed that in - -, - was notified via EOB ( copy attached ) that they billed with a wrong modifier and they needed to resubmit the bill. They were also notified that there was NO SUBSCRIBER RESPONSIBILITY regardless. - ignored this request and apparently continued to bill me at an incorrect address. Given this. I had no knowledge that a bill was even generated for a -/-/- date of service. The fact that - was billing an address that I had not lived at in 6 years is more proof that I was never treated in their -. I have attached a letter from - - dated -/-/- which confirms the information above & again that their is no subscriber responsibility. I have also attached a copy of the actual EOB sent to - on - -, -. It is my opinion that both - and A-1 Collection Service are in violation of the Fair Debt Collection Practices Act and should be fined accordingly. - was notified via EOB on -/-/- that there was no subscriber responsibility and furthermore they needed to resubmit with a correct modifier - they ignored this request. Instead, they attempted to bill me at an address that I had not lived at since - -. Not receiving a response, they sent this $29.00 bill to collections - A-1 Collection Service in - -. - has also been contacted by - several times since - - & told that there is no subscriber responsibility. They have also been provided documentation. They continue to refuse to close this account with a $0.00 balance and notify A-1. This can be verified with - - directly. A-1 is also in violation as they have never attempted to collect this debt in any way since - -. Even upon receiving a phone call from me at which time I provided a correct address - they still failed to attempt to collect the debt to this day. I have also been in contact with - on - -, - and spoke with a -. She confirmed she saw numerous entries between - and - but could not give me any info as the matter was now with collections. This issue has caused damage to my credit history and caused me to have higher loan rates and even credit denials. Thank you for your time and consideration.