Complaint Review: Kramer and Frank - St. Louis Missouri

I am writing about a collection letter that I received from Kramer & Frank dated 02/18/2015 stating that I owe $120.87. I not only dispute this collection but I have also filed formal complaints with the BBB of St. Louis, the Attorney General of Missouri and Kansas, and the Consumer Financial Protection Bureau. 

First of all, the letter is addressed first and foremost to my new spouse and myself secondly. We were married in December of 2014. Second, the letter states that I owe $120.87 and that it was placed by Olathe Medical Center. The bill fails to address when the charge was incurred and what the charge is for. The only thing that I can possibly think of that would have had this type of balance is a sinus x-ray performed back in September of 2014, but my insurance would have paid this claim. I do not have a bill from Olathe Medical Center stating that I owe this amount or that Humana did not pay this bill. Moreover, if this bill is indeed valid, it was incurred prior to my marriage back in December. Therefore, this firm is attempting to collect money from a person who is not liable to pay the bill. Please refer to community property laws which applies in my state and the Fair Debt Collection Act. Moreover, this firm disclosed money due to an unauthorized third party in writing, my spouse, which is in direct violation of the act. I never listed anyone else as a responsible party when completing paperwork at Olathe Medical Center. I am fairly familiar with this act because I worked in lending for many years, and spent a few of those years in the beginning in collections and then as a collection manager. Finally, I had a similar problem with Olathe Medical Center in the past, about 1 ½ years ago. They contracted my lab work to be completed through Physician’s Reference, and they failed to give them my insurance information. Physician’s Reference never contacted me about the problem, but then about 5 months later, I received a collection letter from RSH and Associates. RSH and Associate’s collector was belligerent that I owed the money, refused to stop making collection calls and sending letters despite my attempt to dispute the debt, and further stated that Physician’s Reference obviously would have never placed the collection if I didn’t owed the money. I had to file the same complaints against that company and the medical center, and I involved the medical center’s Director of Operations to help me resolve the problem, besides the other offices that the complaints were filed with. 

I have formally put in writing to Kramer & Kramer and Olathe Medical Center that I am disputing this balance via e-mail to the Director of Collections at the collection agency and the Director of Operations at the medical center. I have requested that they remove my husband's name from the bill because he is not liable for it. I have also requested that they cease placing calls to any phone number of mine. Finally, I have requested that they send me an itemized bill of the charges, the date they were incurred, and the percentage that my insurance company paid.  If you have experienced collection violations as well from this company, I'd suggest that you file your own complaints with the agencies listed at the beginning of this complaint.