Complaint Review: OSI Collection Services, Inc - Jacksonville Florida
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- Author Confirmed
- OSI Collection Services, Inc P.o. Box 551075 Jacksonville, Florida U.S.A.
- Phone: 888-850-6427
- Web:
- Category: Collection Agency's
OSI Collection Services ripoff dishonest fraudulent billing rude Jacksonville Florida
*Consumer Suggestion: DO EVERYTHING IN WRITING!!
*Consumer Suggestion: You're not stuck
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In febuary of 2005 i went to my local emergency room, and before i ever saw anyone i paid my copay of 75 dollars. Two months later i recieved a call from OSI collection services claiming that i had a overdue bill from windsor emergency physicians for the amount of 227 dollars. i explained to the collection agency that i never recieved a bill for the amount of 227 dollars,and explained that my insurance covers all my medical bills and that it would include all bills from phisicians.
I then called my insurance company and they told me that they were never billed and that they would look into this matter. I later found out that this was a mistake from the part of windsor emergency phisicians and had an agent from my insurance company explain this to a rep from OSI colection services. I then called OSI and asked if this would show on my credit report, a rep told me that it would not, i continued calling for a few weeks asking the same question and getting the same response.
One year later i decided to check my credit report and the first thing i see is that OSI colection services submitted the claim to the credit agencies. To top it off when i called OSI collection services they claimed that i did recieve the bills and that i did not pay them. clearly upset i responded by telling their rep that i had call and asked if they would report me to the credit agencies over a year ago and that they had told that the matter was resolved and that i had nothing to worry about.
The OSI rep than told my that i seemed like the type of person that dose not pay their bills on time. extremly upset by this point i asked if they could give me any information about the hospital or physician that reported me to their agency and was told that they did not have that information and that i had recieved the bill from Windsor emrgency phisicians.
As i argued that i never recieved the bill their rep kept insisting that i did and did not pay it. By this point i felt outraged and proceeded to tell him that he did not know me and that he had no rigth to make assumptions, he follow by telling me that he did know me and that i was the type of person that did not pay their bills on time and hung up the phone. I waited a minute and called back and was told not to call back and hung up on again. This is no way to treat people specialy does that have been lied to by the company they work for. So now im stuck with a terrible blemish on what use to be a flawless credit report.
Antoan
west palm beach, Florida
U.S.A.
This report was posted on Ripoff Report on 05/08/2006 04:44 PM and is a permanent record located here: https://www.ripoffreport.com/reports/osi-collection-services-inc/jacksonville-florida-32255/osi-collection-services-ripoff-dishonest-fraudulent-billing-rude-jacksonville-florida-190530. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#2 Consumer Suggestion
DO EVERYTHING IN WRITING!!
AUTHOR: Steve - (U.S.A.)
SUBMITTED: Wednesday, May 10, 2006
The problem here is that the OP handled this over the phone.
Everyone wants to pick up that phone. STOP!!
EVERYTHING needs to be in writing and sent by certified mail, return reciept requested.
NEVER speak to ANY collector. NEVER!!
#1 Consumer Suggestion
You're not stuck
AUTHOR: Heather - (U.S.A.)
SUBMITTED: Tuesday, May 09, 2006
Antoan:
You are not stuck with this. It is OSI's responsibility to provide solid proof of the debt. Upon written request from you, they are required by law to obtain proof of the debt FROM THE ORIGINAL CREDITOR and then forward to you.
And medical debts have to be treated in a very special manner by debt collectors. The proof must be sent by the original creditor to the debt collector in a sealed envelope (to protect your HIPAA rights). OSI must then forward this sealed envelope to you so you can see what they are trying to collect.
OSI will most likely try to produce some in-house statement trying to pass is off as proof - if so, deny the authenticity of it. Or they might have a whole bunch of really personal medical information on file for you that they have sent along unsealed. If they this, THIS IS A MAJOR HIPAA VIOLATION.
The best way to attack this is to do the following:
First of all, stay off the phone from now on. Correspond in writing via certified mail only. It's slower, but easier to prove in court.
Immediately send a letter to OSI via certified mail return receipt telling them that you dispute the debt in its entirety. Demand that they send you validation of the debt via postal mail. Also make sure that you demand the removal of any reference to this account from your credit reports if they are unable to obtain the validation.
While you are waiting for a response, immediately send a letter of dispute to each credit bureau that the account is listed with.
OSI will do one of two things: 1) ignore you completely and post/re-validate a negative account on your credit report, or 2) they send unsealed private medical information, or 3) they attempt to send you bogus documentation to try and prove the debt is valid and then post/re-verify a negative account on your credit report.
If #1 happens, send another letter stating that you are still awaiting validation and repeat your demand for immediate deletion of the account from your credit reports. They'll probably ignore you again, but at this point you can prove willful noncompliance of the FCRA. Take all of your paperwork to an attorney who specializes in debt collection law...can be found on the NACA website.
If #2 happens you have them on HIPPA violation. Seek the same kind of attorney to help you out.
If #3 happens, immediately send them another letter rejecting their bogus documentation. Tell them that the account is still disputed and to remove their tradeline from your credit reports. Sue if they don't respond to your demands.
Read up on the FDCPA and the FCRA. They are there to protect consumers, so use them!
Good luck!
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