randy

Review of AMCOL Systems

Called today to set up a payment plan again becaus...

Called today to set up a payment plan again because my wallet had been stolen. I had already paid them 1600 dollars on a 6000 medical bill. They immediately hit my credit report as a no pay. When I talked to them they wanted me to pay the full balance which I obviously couldn't. She then offered a lower balance of about 3800 dollars but again, couldn't pay that amount right now. She was really nice up to that point and then started getting a little aggrivated. I asked if they could take it off my credit if I resume the 210 dollar payment arrangement and she said only when it's paid in full. She informed me that it will be on my report for 7 years so I informed her that it will take me about that to pay it off. I asked if I could pay it online and I was told only if I made a 2000 dollar payment.... I asked her why they would refuse to accept payment over no payment at all? No reasonable explanation was given of course. I told her that I would just mail in payments and she said that was fine because they couldn't refuse payment..... That's odd, you just refused to allow me to pay online? I then asked how much was already paid on the bill and how much the original balance was, took her awhile to find that information out. I told her that I wanted a detailed report of the charges and a receipt of what was already paid. She refused to send me a copy of payments already made and said that since I'm not on a payment plan anymore, they don't have to do that. Remember, they never sent me a receipt for the 1600 that was already paid so why start now. It's illegal for them to do this and it's all because they are hoping records are not kept so they can charge you more. She said she would put me down as a REFUSAL TO PAY which is not the case, she's doing this so I they can keep reporting on my credit as no payment. The funny thing is that I will be sending detailed documentation to both the state and the credit reporting agencies about payments made. She even tired to shame me by saying " The hospital provided services in good faith that you would pay your part." haha, the hospital already got paid 60,000 dollars from insurance and how funny is it that they can offer a few thousand off your bill if you make a full payment today, get out of here with that trash. AMCOL is just another preditory debt collection agency.