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AFM Financial of XXXX, NJ., is holding a medical debt I owe. Our agreement is that I apy {$50.00} per month. I normally receive a letter/ statement monthly that reflects payment & balance.
I have not received a statement for the last two month 's ( XXXX & XXXX 2016 ). When I contacted AFM, they stated if I miss a payment, or am late with a payment, they are no longer required to send a statement, that it is up to me to remember to make payment and it is up to me to keep track of the payments made and updated balances. I was late with my XXXX payment ( I inadverently placed the check in an envelope for another bill ). When I discovered this, I contacted AFM and spoke to an associate, a woman I believe named XXXX. I informed her what happened, that I was mailing the check as soon as we hung up which I did.XXXX thanked me and stated that in looking at my account I was diligent, had not missed a payment previously and would make note on the account of our discussion & actions.XXXX thanked and I thought that was it. I called today ( XXXX/XXXX/2016 ) and spoke to a XXXX.XXXX informed me that he is not required to send a statement any longer once I miss a payment. I have had issues over the past year with not getting statements and answeres varied to it 's going out shortly, to it was mailed ( never stated the mailing date ) I was also informed todat by XXXX his system shows multiple missed payments.That is not true and now wants me to go back and provide bank statements, which I will but it is unfair.If a payment with a creditor is missed you normally would receive a second notice, etc.That has never happened.I should receive a monthly statement, I feel this unfair and abnormal.And I have record them to protect my credit or for tax purposes.I am also on long term XXXX/ social security due to the medical/ health issues that wound up with a balance from a hospital that is the cause of being placed in collections.Under XXXX I have a 50 % reduction in my income.
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I prviously filed a compaint # XXXX against AFM Finacial Services for not providing monthly statements reflecting my payments and current balance. AFM responded with an apopogy and stated statements will be provided. I received one statement as a result, for XX/XX/2016 in which the the payment date was changed from XX/XX/XXXX to XX/XX/XXXX. I have not received any statements since despite calling AFM XX/XX/XXXX to point this out.I also reffered them to the original complaint number andtheir response, to which AFM ( XXXX-no last name provided ) claimed to be unaware of stating it must have been their " compliance XXXX '' .The end result is the same, I am not receiving statements although I have continued to make my monthly payments. I have no assurance my account at AFM is being credited correctly.I have no documenatation for IRS purposes since this is a medical debt.I am inclined to stop making payments since there is no acknowledgement from AFM that I have faithfully made payments as agreed. AFM has alternated from being unduly rude to complete indifference when I contact them about this issue.At this point I would consider the debt invalid since AFM will not acknowledge my payments.AFM does deposit my check 's but again without a monthly statement I have no idea, or at this point, any faith my account is being properly credited.
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