CardsFan
Thinks s/he gets paid by the post
I got an email from Capital One saying there was a change in my credit report. I get these periodically, and usually nothing big or unexpected.
So I checked, and it was a 24 point ding to my score, so I checked Experian. A $269 late payment, now in collection with ARS (they are a collection company).
After a few other calls, I called ARS and found out the bill was from my stay in the hospital for a hip replacement in 2017. From a third party biller (Southeastern Physician services).
I never got a bill for this charge. It was never submitted to insurance, as far as I can tell (sometimes you don't get all the details). They gave me the doctor's name, but I can't find him anywhere online.
So far, there has been no attempt to collect by ARS (though there may be now that I called), and I suspect they bought this in a package of other collections for pennies on the dollar.
I have entered a dispute with Experian.
So, what else would you do? I am tempted to do nothing. FICO score is still above 780, with no intent to finance anything in the near future.
So I checked, and it was a 24 point ding to my score, so I checked Experian. A $269 late payment, now in collection with ARS (they are a collection company).
After a few other calls, I called ARS and found out the bill was from my stay in the hospital for a hip replacement in 2017. From a third party biller (Southeastern Physician services).
I never got a bill for this charge. It was never submitted to insurance, as far as I can tell (sometimes you don't get all the details). They gave me the doctor's name, but I can't find him anywhere online.
So far, there has been no attempt to collect by ARS (though there may be now that I called), and I suspect they bought this in a package of other collections for pennies on the dollar.
I have entered a dispute with Experian.
So, what else would you do? I am tempted to do nothing. FICO score is still above 780, with no intent to finance anything in the near future.