If I could give zero stars, I would. I am at my wits' end. I had gone to Dr. Lester last in September 2009. My insurance policy had $35 co-pays for office visits, and my financial responsibility should have ended there. I moved away from Boston, and now I'm back. I wanted to get in and see the doctor, since I had been here a few times before. I called up for an appointment yesterday, and I was told I had an outstanding balance of over $100!
This is news to me. I have NEVER received any correspondence from the office after my visit. Then I am told that it was sent to a debt collector in 2010. I never received any communications from the debt collector. I'm a lawyer; I'm not an idiot, and I certainly pay attention to things like this.
I pulled my credit yesterday, and they reported me! I have a perfect credit history going back 12 years (and I'm only 28). I have never missed a payment, been late, anything! Now, not only do I have a bill hanging over my head for which I don't owe (and they won't even settle), but my credit is suffering. THIS IS ILLEGAL; the law says you should be contacted before anything negative is posted to your credit, and I never received any communications from either the doctor or the debt collector. They claim my number was no longer good, which was true, but that's because I moved a YEAR after the office visit! My address had a forward for a year; I received every last bit of mail that was forwarded to me. You're telling me this mysteriously disappeared?
To top it all off, Brookline Dermatology used the same deceptive practices on my friend's husband. Luckily, they said he only owed $40, not over $100. They did not find out about this until they were looking for a mortgage. He was never contacted by either the doctor or the debt collected either. He was shocked to find out his credit score had dropped by 30 points, AND he had been to this crappy office after the money was due, and he was never asked for the supposedly-due money! They wanted to get their mortgage in place, so he just paid the amount claimed to be due to not deal with it.
I was just unemployed for quite a while...I don't have over $100 to spare. F-you, Brookline Dermatology. Thanks for literally ruining my credit...and my life.
UPDATE MAY 4, 2012:
I am so fed up with fighting this, so I offered to pay it to get it off my credit. Not only will they not settle, but they won't remove it from my credit even after I pay the bogus amount. Seriously? This is BEYOND ILLEGAL, despite the illegal nature of the office's other shady practices. Do not go here, unless you want to keep on paying for it for years after your office visit.
UPDATE APRIL 29, 2013:
Yes, it is more than a year later. Yes, it is still on my credit. Yes, I am STILL fighting with them to get it off my credit. The funny thing is, I paid them $112, but on my credit reports, it says that I owe $93. So why did I have to pay them $20 extra, to line their pockets? To add a nice cherry to this, one of the credit bureaus doesn't even have it reported as paid in full, they have it as delinquent! Seriously? The debt collector had the audacity to tell me the credit bureau didn't accurately update its records. HAHAHAHAHAHA. So after discovering it was still on my credit when I did my yearly credit pull, I called up the doctor's office. I was told I needed to send a letter to the credit bureaus to ask them to take it off my credit. Umm, no that never works. You need to take it off my credit for me since you put it on there, dumbass. Then she put me on hold and had some "discussion" and told me I needed to call the debt collector since the debt collector reported it.
I did that and the debt collector said it needed the doctor's permission, so I had to write a letter and provide documentation that it was paid in full. WHAT THE FUCK? I paid the idiot doctor directly. This is such a waste of my time, but I really don't want this sitting on my credit for another three years. I sent a letter, documentation, blah blah blah. I just called to see what the status was, and the asshole debt collector said to me, "well we haven't heard back yet..." Can you please do your fucking job? If I was that lackadaisical...wow. He said he would call the doctor and maybe see if they had decided what to do, since it's "his decision to remove it." I paid the bogus debt in the first place, now fucking remove it!
I called the doctor's office just now, and the entire billing staff is out for the afternoon! Does anyone work? Where do I get a job where I don't have to work...ever? The idiot I spoke to today said she would look into it and it "appears to be in the process of being removed." All you need to do is put in a request to the credit bureaus. All of this is so incredibly shady, I don't even know where to begin.
I have to go through a background check for a new job and a credit check for a new apartment, now... read more