AmeriCollect Debt Collection Complaint

AmeriCollect Debt collection department,

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

I had a - -/-/-. Prior to my - I met the family deductible and paid my outstanding deductible in full to - Hospital. Approximately 3-4 months after my - I received a letter from Americollect stating my account with - was past due and they were trying to collect. I explained that this was a surprise since I never received a statement from - since I had my -. Nor did they call us to try and reach out. We were n't expecting any statements from - since I was paid in full for the year. The hospital apparently misapplied a payment that we made in -/-/- to my wife 's account instead of mine. She was already paid in full with deductible met so it created a very large credit. They never called to tell her this and it never showed up on her statements. It was n't until -/-/- that we discovered this credit. - has been taking from that credit and applying to each bill of hers for -/-/-. - never sent us statements because there were no payments due. She should be paying on her account as normal meanwhile my account is sent to collections because of their misapplication of funds. - and Americollect will not help us get this resolved. I immediately filed a dispute letter -/-/- when I was first notified by registered mail. My letter quoted the law stating they were no longer allowed to collect this debt from me since it was paid. They ignored the letter and continued calling. The last call they indicated that they would work with - to get this straightened out. It was about 4-6 weeks later and I received a notice that my credit report now has collection on it which ruins my credit score. They gave us no notice this was done. They broke the law by disregarding the instructions in the dispute letter and need to be held accountable. They did n't give us proper information to even try and validate the debt.