Debt Management Incorporated CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/15/2022	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 310XX	Web
Was contacted on Tuesday XX/XX/XXXX via voicemail stating the following This message is for XXXX XXXX I'm XXXX XXXX and I've been instructed by location services to get in contact with you in regards to an active order that is in the process of being issued for your location at this point I have been instructed to contact your employer directly to advise them that once everything gets submitted they will have to make the determination whether you're on the premises of your employment or not I understand you have the legal right to contact the office filing these allegations against you up until the time you were processed I will provide you with the information listed on this affidavit first is the case number XXXX the phone number that you or your attorney will need to utilize is XXXX need to speak directly to their legal department when you contact their office understand that you will be processed at the premises of your employment or home unless we receive further instruction thank you. After this call I called and they stated that I owed a certain amount and they would take 10 % of amount owed. I stated I would have to see what I can do and I would a call them back. She stated she would call from a certain number that evening and she did not. I received XXXX calls from another number XXXX times within XXXX minutes with no message. The next day XXXX more times from a number after work that day I called the number I was given and ask if they take payments and was told only XXXX and must pay XXXX now. I explained I do not have that kind of money and I would have to call back. They called and let his message Hi XXXX this is XXXX XXXX and we spoke yesterday about the him about the settlement for the {$1700.00} you were supposed to meet with me um around um XXXX XXXX I called you never called me back so I don't know what happened with that him but if I don't hear anything back by the end of the day today __ the soonest him I'm going to him assume that you will simply ignore it and we will pursue legal action am coinciding with XXXX XXXX XXXX like I said I offer the settlement amount of the {$1700.00} but you never responded so you have to the end of the day to respond if not him you'll be served he will be served the court papers They attempted to continue to call before I called back. Today they called and I ask when the debt was from and who would I be paying I was told from XXXX and I would be paying the hospital via them. I told her I was at work and I would have to call her back when I got off. Within the next XXXX minutes she called XXXX more times and left this message Hi XXXX this is XXXX XXXX am I trying to get in contact with you um unfortunately if you do not respond I'm gon na have to process on the paperwork and I'm gon na mark this down as you refuse to him comply and him as far as restitution being made him I'm going to revoke that offer and then I'm just going to have you served and I really don't want to do that. These are all messages that I have a copy of. The debt is very old and they threaten to contact employer. At no time speaking to someone was I told they were a debt collector.
10/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	RI 028XX	Web	Servicemember
I appeared at XXXX XXXX via a referral from my girlfriend at the time. Ms. XXXX XXXX said she was " see me for free and handle the insurance issues later if there was any. '' AFTER i had already handed my cards to the staff to be sure I was covered, one of the staff came into the exam room while the work was checkup was being performed - ( I was in the room for 6 minutes total, she came in after 5. ) and told Ms. XXXX that there was insurance issues of some kind and I was not covered. Ms. XXXX replied to " XXXX? '' or the staff member who had came into the room that I would not be billed for today and it was going to be a courtesy visit. I have called the office twice, not only do they deny the above, but have also been extremely rude to me when I try to state my claim and reasoning. I think this establishment is great, and has performed wonders for friends and family of mine, but clearly on this day there was an issue. Since then I have had the work she quoted at $ 640+ and an additional 8 sessions performed at XXXX for a cost of {$0.00}. I made it very clear that day that although this was an " emergency '' and that I did wants things taken care of, that financial means came first and that was my first in order of concern. I never followed up with this office again after finding an office that showed me four days later that not only did I have XXXX insurance, but that I had full coverage. I attempted to relay this information to the office on my second call to them and they said they " never took that insurance, and that I must be mistaken '' - I have only had one insurance since moving off my parents plan on my XXXX birthday. ( per RI law ) I am unsure why there is any confusion in the office when I was clearly told one thing and then after receiving bills, and now collection notices, I am very disappointed in a business that appeared honest and forthcoming and came highly regarded.
06/03/2015	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened arrest/jail if do not pay	AZ 85255	Web
I was called several times by Debt Management Inc, they were claiming to be a debt collector and wanted me to verify my full social security over the phone. I chose not to do so as I 've had my identity stolen in the past. They claimed to have sent letters, which I never received. They also continued to call me in a harassing manner ( XXXX calls a day ), after I asked them to communicate through written correspondence. XXXX day, I received a voicemail, stating that they were going to file suit, had retained attorneys, and that I had XXXX hours to call them " or else. '' I notified the agent that I was recording the call, he said that it was unlikely that I was doing so, he also asked if I liked not paying my debts and asked if I wanted to go to jail. He hung up, called me back and continued to refuse to email me any sort of verification until I told him that unless I received an email of the debt ( ie : receipt ), that I would n't pay. Without my prompting, he said the last XXXX of my social security, current address, previous address, my full name, and other sensitive information without verifying who I was. After I verified the bill of {$60.00}, I asked to talk to his supervisor. His supervisor got on the phone, started to incoherently scream at me, and when I let him know that I 'd like to record the call, he started screaming that he could have me sued and arrest me if I was recording him. He also said that he could record me but I was n't allowed to record him. Not only was my personal information given over the phone, I was threatened XXXX to be arrested, but I was harassed. As somebody who pays all of my bills and with a flawless credit history, this was a scary and upsetting experience. The health clinic also stated that despite paying, they 've reported me as " refusing to pay. ''
07/15/2016	No	Debt collection Medical	False statements or representation Indicated committed crime not paying	MA 02180	Web	Older American
I owe a past debt and it was forwarded to Capital Recovery Systems, XXXX in XXXX, MA. I called the company the other day and first thought it was curious I got the personal voice message of a woman named " XXXX '' who said she is from " DMI '' and " XXXX ''. I asked for a call back which I did receive and asked for update from the gentleman on the repayment amount and to inform I would be paying via personal check. The rep on the phone asked for my debit or credit card number and advised they do n't handle " paper '' transactions any longer. I advised I did not want to recite my credit or debit card numbers during an unsecured process and transaction but he insisted. I again insisted I would mail a check but he said they would not accept it. I needed time to think about all this so said I would call back when I was in fact ready to set up payment but I am in fact NOT ready and I am glad I waited and gave this some thought. No one should be coerced or forced into reciting their debit or credit card numbers over the phone to an officially unidentified company. Also, this company has never indicated anywhere in writing that they will not accept paper checks. So in my mind they can not enforce this. Also, on the internet there is notation that the company is permanently closed. I have no idea what is going on with this but I need to make payment but now can not and I refuse to under these circumstances. This company, XXXX needs to be investigated. The phone numbers associated are : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
02/15/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MA 020XX	Web
Hello, Please help me. I got a letter from them 2x for the amount of {$1200.00}. XXXX XXXX verbally agreed to my hardship letter that I didn't owe from a debt from XX/XX/XXXX. My insurance company was supposed to pay. Attached is the letter I faxed over today. I got a rude and abusive call from XXXX XXXX and XXXX XXXX the director. I told them not to call me please do what the letter states. They were both rude and both of them told me that's it I wrote refused. I hope you have a good lawyer because we do. I tried to explain my situation and asked to please respond as the letter states for proof. XXXX XXXX rudely stated I am not doing anything! Get a lawyer. Here is my letter I sent by fax. Dear Collector, I am responding to your contact about collecting a debt. You contacted me by mail 2x, on XX/XX/XXXX & XX/XX/XXXX. Assoc of XXXX told me verbally that it was accept as forgiveness since I dont have an income coming in. I do not have any responsibility for the debt youre trying to collect. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Thank you for your cooperation. Sincerely, XXXX XXXX
07/31/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	ME 049XX	Web
Capital Recovery Systems left two ambiguous voicemails on our answering machine for my wife. Did not leave company info. Message implied that something bad would happen if caller was not contacted by XXXX XXXX. I called the number that was left on the answering machine. Woman who answered phone said her name was XXXX XXXX. I asked her to identify the company or agency she was with. She refused. She used the callerid information to identify me and deduced that I was calling about my wife. Being concerned about identity theft or another scan I requested that she give me her company or agency name at least 20 times. I said that I would report her call to the FBI as a possible scammer. She still refused. Eventually I brought my wife into the room and we both talked with XXXX via the speakerphone. XXXX then revealed her company name, Capital Recovery Systems, and that she was calling about a debt. She said that we had to pay the debt before XXXX or be marked as refusing to pay. I asked if they had sent a written notification and XXXX said they " just sent it ''. We do not appear to have received such a notification. There was no information give to us over the phone about a right to dispute the debt. We were then asked how we planned to settle it. We told XXXX XXXX that we would address the matter once the written notice was received. She said we 'd be marked as refusing to pay the debt. I told her that we would reporting her company to the FTC. We reached XXXX XXXX at XXXX
02/11/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	RI 029XX	Web
I was contacted by XXXX with Debt Management Inc., in regards to an alleged account with XXXX XXXX XXXX XXXX in RI. I informed XXXX that this is a disputed debt that I was told that this procedure was approved prior by the medical office. I shortly after was send a bill and contacted the insurance company. The insurance company informed me that it was not approved because it was coded incorrectly. I explained the same to XXXX who insisted that she already heard the story and I still need to pay the bill. She told me to purchase a prepaid card and pay an amount every week. She told me if I do not she would report this to the credit reporting agencies and would notify XXXX that I am refusing to pay. I am not certain but I cant image how a refusal to pay and a disputed debt fall under the same criteria. She just kept telling me she hears it all the time and I need to pay, She never gave me my mini Miranda rights and I advised her to speak to my fiancee and she advised him the same. Document as a refusal and report to credit reporting agencies.
06/23/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MA 02130	Web
In XXXX 2016, I successfully disputed a debt that was claimed to be mine. I had no prior knowledge of this debt 's existence. The XXXX credit bureaus ( XXXX, XXXX, and XXXX ) found no sufficient evidence that I owed any debt to this particular agency. However, I am still receiving phone calls from an agent in an attempt to collect this disputed debt. My attorney and I have attempted to have this agent and their agency validate the debt and cease and desist all communications with me. We have been unsuccessful in reaching them by mail because all addresses that were provided by this agency are not valid. As of today, I am still receiving phone calls from unrecognized numbers and callers who are clearly associated with this debt and still attempting to collect it, but refuse to properly identify themselves. They are leaving cryptic voice mail messages, not disclosing their names or credentials, using intimidating and aggressive language, and are making threats.
08/21/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 131XX	Web
On XXXX/XXXX/XXXX a XXXX XXXX from Debt Managment Inc dba Capital Recovery Systems ( physically permanently closed ) with ONLY a PO Box and phone numbers, did : 1. Falsely state a ( discharged ) debt was not removed from credit reports because I was n't on credit report sites. 2. Was provided with an confirmed receipt of Bankruptcy Discharge XXXX/XXXX/XXXX notice taken directly from XXXX site. 3. Upon proof of his false statement, XXXX XXXX then flatly refused to do anything to remove from credit reports, a collection matter included in a discharged bankruptcy, which unlawfully appears to be an active collection matter when it is not. 4. XXXX XXXX is intentionally and unlawfully causing harm to me by way of false information on my credit report.
05/05/2016	No	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	MA 02130	Web
Between XXXX XXXX and XXXX XXXX, I received several phone calls from a CRA agent named XXXX, who consistently left messages in a threatening tone ( " You must respond by XXXX time or further legal action/litigation will be taken '' ). This was in reference to a {$180.00} medical debt. When I finally spoke with the agent by telephone after XXXX last threatening voice message, he made abusive comments and refused to respond to my written debt validation request. He referred to it as a " meaningless stalling tactic '', accused me of lying and skirting my responsibility for the debt. When I mentioned getting my attorney involved, the collection agent snapped that he had marked the account as a " refusal to pay '' and hung up the phone on me.
07/31/2017	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	ND XXXXX	Web
On X/XX/17 I contacted this company to get written notification of the amount owed so I can secure a certified check and secure record. The person I spoke with refused to send me anything, saying letters were sent years ago to an address in Wisconsin. I explained I can not pay, but want to pay, but I need a letter. I asked to speak to a supervisor and he explained he was the director and I am not going to speak to anyone else. I want this off my credit report, he stated he does n't care if if I pay it off or not, and it could stay on my credit report forever, he just did n't care. His tone was overwhelmingly aggressive and intimidating, unprofessional and his tactics are terrifying.
03/16/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	RI 02906	Web
After revoking permission on XX/XX/2017 with employee XXXX to call my cell phone, I received a call from another male employee on XX/XX/2017. When I stated to him I had revoked permission and I did n't want them calling my cell phone, the employee told me to " shut up '' and this was not going away. I then hung up, called the main office number and XXXX picked up. I told her I wanted to speak to someone because I had reviked permission for them to call my cell phone and she put me on hold and the same male who verbally abused me minutes earlier picked up in began to tell me again to shut up and he was going to file harassment charges on me for calling his office.
06/30/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MA 02215	Web
This company repeatedly made fraudulent calls stating they were debt attorneys and they would be filing suite against me for a debt I did not own. After submitting a complaint with CFPB they stopped calling, but proceeded to put a negative mark on my personal credit. I called them back twice to get ANY information / paperwork that would explain how they fraudulently acquired my social security number to put the derogatory mark on my credit, but they refused to provide me with any.
07/27/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NH 03801	Web
The collection agency, CRS ( aka Debt Management Inc. ) was sent a letter invoking FDCPA and told not to call my number and only contact me in writing. That note was sent on XXXX XXXX and, according to the representative I spoke to, received on XXXX XXXX. However, they contacted me AGAIN TWICE on XXXX XXXX. I had my husband call as my representative and the gentleman named XXXX XXXX was extremely rude. He could not get a word in edge wise.
03/13/2016	No	Debt collection Medical	Improper contact or sharing of info Contacted me instead of my attorney	MA 02302	Web
I was XXXX and taken off a highway by XXXX, state police found me not at fault, Auto insurance miss this nill and now the company is wrecking my credit, They have all the ins info but they choose to to hurt me instead, I have documents to prove my words..
08/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	MA 02215	Web
Company has called me several times pretending to be attorneys aggressively and abusively telling me they will be taking me to court and telling me I operate a dishonest business and I will be " punished ''
09/18/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	RI 028XX	Web	Servicemember
Leave messages to find out why this is on my credit report and there is only a VM, no response back. This debt was paid and should not be on my credit report.
05/18/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	KY 402XX	Web
Company keeps harassing me over a debt that was written off over 15 years ago and is not on my credit report
10/30/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 75019	Web

08/16/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MA 02030	Web

08/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60619	Web	Older American

07/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23321	Web

07/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23321	Web

04/04/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language		Phone

12/26/2017	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	SC 29407	Web

10/12/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	ME 04350	Web	Servicemember

09/26/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 02215	Web

09/19/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 23462	Web

06/20/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	RI 02898	Web

04/14/2017	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened to sue on too old debt	MA 02649	Phone

04/11/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	RI 02814	Fax

04/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	RI 02814	Fax

03/30/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 01720	Web

02/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KY 40743	Web

11/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	UT 84089	Phone

10/26/2016	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MA 02180	Web	Older American

10/26/2016	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MA 01756	Web	Older American

06/22/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	MD 21234	Web

03/07/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MA 02324	Web

02/22/2016	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MA 02138	Web

08/18/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MA 02043	Postal mail

07/31/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	NH 03820	Web

03/02/2015	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	ME 04103	Web

06/09/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MA 01581	Web

05/16/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MA 02050	Phone

02/20/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MA 02025	Web

01/16/2014	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	RI 02861	Web

11/13/2013	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	NY 12303	Phone

11/12/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 02766	Web

08/07/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MA 02144	Web