I live in a rural area with a small community hospital, and had an ER visit in June. My insurance only pays 80%, and an ER person told me that the hospital would work with me on the balance, $450. I should have put it on a credit card immediately, but have had these no interest arrangements with hospitals before, so I called the business office and made arrangements to pay off this balance at $30 month. The lady told me that I would hear from TCS in a few days, with the paperwork for this arrangement. I asked if TCS were a "finance company" since I knew that sometimes finance companies bought receivables. She LIED!! and said yes. About a week later, I got a notice from THUNDERBIRD COLLECTION AGENCY stating that I had not lived up to the arrangement (remember, it was to be $30 a month.) and that the balance in full was due withing 15 days or I would be reported to the CRAs. I immediately got on the phone to the collection agency, but guess what? The person who handled these "special accounts" was unavailable, so I called the hospital business office, fuming. I was told by a different woman that these accounts received "special handling" by the collection agency and as long as the payments were made there would be no problem. I told her that under no circumstances would I have agreed to do business with a collection agency had I know the truth, and had her put $300 on a credit card immediately, as the ins. co was supposed to pay the additional $150. THEN a week later TCS wrote me saying it was their understanding that I would send THEM the $300 that had already been paid to the hospital. I hit the roof, and wrote to the collection agency stating that I had already paid that amount, and I hoped never to hear from them again. I then wrote a long letter explaining this f@#$-up to the CEO of the hospital. I got a smarmy reply from the CFO, telling me that they had straightened everything out, and apologizing. Three weeks later, I found out the ins.would NOT pay the additional $150 so I sent a check to the hospital, and an email to the CFO asking why the hospital would not allow the discount in the amount of $150. I never received an answer. HOWEVER, while I was out of town last week, I received my check UNCASHED and a letter from TCS AND....ARE YOU READY FOR THIS???? THEY COPIED ALL THREE CRAS WITH THIS LETTER STATING. "THIS IS TO VERIFY THAT THE ABOVE REFERENCED ACCOUNT WAS PAID IN FULL TO TCS". SO NOW do I have a derog showing a paid collection at all three CRAs??? I was never late, paid the entire amount within 45 days, and my biggest fear was that this F@#$-up would hit the CRAs. The letter was dated July 13, so I don't know if it will show up if I get my credit report. What do I do if this does show as a paid collection?? Can I sue every-F$%ing-body involved???? I simply can't believe this crap!!!!