Io, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/13/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21012	Web
This complaint is against XXXX XXXX XXXX for violation of federal law of the Federal Debt Collection Practices Act 111-203, title X, 124 Stat. 2092, provisions : 15 USC 1692f, sub-chapter 807 ; 15 USC 1692g, sub-chapter 808 ; 15 USC 1692h sub-chapter 809 ; 15 USC 1692I sub-chapter 813 In XX/XX/XXXX, I had received services at XXXX XXXX XXXX XXXX for which I had paid my deductible and my insurance covered the balance. In XX/XX/XXXX, I had relocated to the State of XXXX, which is where I lived and worked throughXX/XX/XXXX( Tax records verify this ). Although I maintain a XXXX mailing address, located at XXXX XXXX XXXX, XXXX, XXXX XXXX with forwarding of the mail, I had received any communication from the medical facility or from XXXX XXXX XXXX ( aka : XXXX ). However, it wasn't noticed until XX/XX/XXXX that XXXX had placed collection marks on my credit files with XXXX XXXX, XXXX and XXXX Credit Bureaus. But what what more interesting that I noticed that XXXX had more than doubled the original amount by adding interest and debt collection fees, which is illegal. In XX/XX/XXXX, Disputes with all three credit bureaus were filed. In XX/XX/XXXX, when I called XXXX to find out the status of the dispute, a representative informed me that that had received paperwork from XXXX and that the debt was valid and it would stay on my credit. My rebuttal towards that was simple : XXXX is violating federal law and the credit bureau is acting as an accomplice to the fact. Being in XXXX presently, but going back to XXXX this summer, I was able to go to my mailbox and saw the letter from XXXX, which is what I am providing to you. And in this letter, you will see the original invoice from the XXXX XXXX and the claim that XXXX had made that they are collecting late fees and collection fees. This company, and it's people, are operating illegally and should have all of their files audited. Criminal subpoenas should be issued and their licenses should be revoked. Furthermore, I would like the credit bureaus to remove the collection account from XXXX and to revoke the company 's right to report until a thorough investigation of this company has been concluded. LASTLY : The damages XXXX has caused me has effectively harmed my credit and my ability to obtain favorable credit. And therefore, punitive damages should be sought. FEDERAL STATUES : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. ( 7 ) Communicating with a consumer regarding a debt by post card. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney 's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney 's fees reasonable in relation to the work expended and costs. ( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ) of this section, the court shall consider, among other relevant factors -- ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ) of this section, the frequency and persistence of noncom pliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional ; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ) of this section, the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collector 's noncompliance was intentional. ( c ) Intent A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. ( d ) Jurisdiction An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs. ( e ) Advisory opinions of Bureau No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.
04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20721	Web	Servicemember
3rd Party Collections XXXX XXXX XXXX IS NOT MY ACCOUNT!!! Ive NEVER had car insurance with XXXX XXXX XXXX. Please have the creditor provide the consumer with a copy of the actual insurance contract and/or policy bearing my signature, the Title Holder and VIN number for the car that was insured, and proof that I am the owner of the car that was insured. I should have ZERO collections on my credit profile. These negligent and egregious actions by XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies has daily irreparably harmed me as a consumer causing damages to me and my family in the form of Denial of Credit opportunities for myself and my business, Denial in Mortgage Loan Applications, Denial of my Security Clearances, and the Denial of employment opportunities directed connected to my inability to obtain a Federal Security Clearance which is based in part on my Credit History. As such, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies reporting this incorrect information has full legal liability for several causes of action to include but are not limited to Fraud, Identity Theft, the violation of my 5th and 14th Amendment Due Process Rights, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, and the Maryland Bill of Rights, I demand that XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC, XXXX, and ALL other Credit Reporting Agencies use Exhibits A-I to CALL ME AT XXXX AND IMMEDIATELY DELETE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, FRAUDULENT AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I. EXHIBIT A, PAGES 4 - 13 F. Accounts This is a summary of ALL of the Credit Accounts as they appear on my XXXX Credit Report and my rebuttals, comments, and changes that need to be made related to these accounts. They are numbered EXACTLY according to how they numerically appear in Exhibit A. 1 ) XXXX XXXX XXXX XXXX Account Number : N/A Consumer initiated the closure of this small credit card account in XX/XX/XXXX. Page 4 of my XXXX XXXX XXXX enclosed as Exhibit A, INACCURATELY reports that I have a balance of {$470.00} due on my XXXX XXXX XXXX credit card, which is INACCURATE. This reporting by the CRA Defendants doesnt credit me for the total of {$300.00} in payments that I TIMELY made on my XXXX XXXX XXXX credit card over the months of XXXX and XX/XX/XXXX. As direct evidence, Exhibit D is a print of my XXXX XXXX XXXX bank statements showing how I paid {$150.00} in XX/XX/XXXX and {$150.00} in XX/XX/XXXX towards my XXXX XXXX XXXX credit card account. As such, the balance on my XXXX XXXX XXXX credit card should only read {$170.00} across ALL of my credit profiles with ALL Credit Reporting Agencies!!!! PLEASE UPDATE AND CORRECT THE INSTALLMENT DEBT PORTION OF MY CONSUMER CREDIT REPORT IMMEDIATELY TO REFLECT THESE CHANGES!!!! See Exhibits A-D. This account also INACCURATELY reports that I have one ( 1 ) instance of being late and/or delinquent for more 30-days on this account which is FALSE and FRAUDULENT INFORMATION!! Ive NEVER been late in paying on this account. NEVER! This is an INACCURATE and DAMAGING statement on my credit profile which has caused me considerable irreparable financial, emotional, and psychological harm to both myself and my family by both the Creditor and the CRAs in clear and direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. ; the Maryland Consumer Credit Reporting Agencies Act, Annotated Code of Maryland, Commercial Law Article, 14-1201, et seq. ; the 5th and 14th Amendments to the U.S. Constitution Due Process clauses ; and Maryland Law regarding Fraud, Identity Theft, and Tortious Interference, to name a few. I demand that XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies also use Exhibits A-D to CALL ME AT XXXX AND IMMEDIATELY UPDATE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, AGED, DUPLICATE, AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I. 23 ) XXXX XXXX XXXX, XXXX. XXXX Account Number : XXXX Credit account is accurately reporting HOWEVER, the Date of Last Activity reported is 13 years ago in XX/XX/XXXX, and the last date of reporting was supposed to end in XX/XX/XXXX pursuant to the FCRA and Maryland Law. As such, why is this PAID, CLOSED and AGED account still being reported on my Credit Report? Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, and the Maryland Bill of Rights, I demand that XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies use Exhibits A-I to CALL ME AT XXXX AND IMMEDIATELY DELETE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, FRAUDULENT AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I. 24 ) XXXX XXXX XXXX Account Number : N/A Credit account is accurately reporting HOWEVER, the Date of Last Activity reported is 12 years ago in XX/XX/XXXX, and the last date of reporting was supposed to end in XX/XX/XXXX pursuant to the FCRA and Maryland Law . As such, why is this PAID, CLOSED and AGED account still being reported on Credit Report? Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, and the Maryland Bill of Rights, I demand that XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies use Exhibits A-I to CALL ME AT XXXX AND IMMEDIATELY DELETE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, FRAUDULENT AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I. 25 ) XXXX XXXX Account Number : N/A Credit account is accurately reporting HOWEVER, the Date of Last Activity reported is 18 years ago in XX/XX/XXXX, and the last date of reporting was supposed to end in XX/XX/XXXX pursuant to the FCRA and Maryland Law . As such, why is this PAID, CLOSED and AGED account still being reported on my Credit Report? Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, and the Maryland Bill of Rights, I demand that XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies use Exhibits A-I to CALL ME AT XXXX AND IMMEDIATELY DELETE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, FRAUDULENT AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I. 2XXXX ) XXXX XXXX XXXX XXXX Account Number : N/A Credit account is accurately reporting HOWEVER, the Date of Last Activity reported is 18 years ago in XX/XX/XXXX, and the last date of reporting was supposed to end in XX/XX/XXXX pursuant to the FCRA and Maryland Law . As such, why is this PAID, CLOSED and AGED account still being reported on my Credit Report? Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, and the Maryland Bill of Rights, I demand that XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies use Exhibits A-I to CALL ME AT XXXX AND IMMEDIATELY DELETE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, FRAUDULENT AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I.
08/14/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23222	Web
Notice to whom it be of concern, Receivables Management Systems It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into a open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ....
03/28/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WA 98126	Web
This debt is regarding a visit to a XXXX XXXX XXXX in Virginia, on the date of XX/XX/XXXX. The total amount due was {$340.00} for this visit. At the time I was covered by XXXX XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX XXXX, an insurance plan I had purchased through the VA XXXX XXXX. Issue # 1 : No Record of XXXX $ co Payment, despite policy of requiring payment prior to service. On the day of the visit, I had to pay a XXXX $ co-pay to be admitted to the facility and prior to any treatment taking place. Quoting from the Virginia Treatment and Policies document submitted with their claim of this debt, is the following line If you have health care benefits, XXXX XXXX will submit a claim to your insurer on your behalf and allow no less than 60 days for the insurer to respond. You agree to pay at the time of service any required co-payments, co-insurance, and deductibles, as well as charges for services not covered by insurance, outstanding balances and delinquent accounts. For your convenience we accept cash, checks and credit cards. By their own policy, I could not have received XXXX XXXX had I not paid the XXXX $ co payment on the date of the visit, however their records do not show this payment. The fact that I was serviced that day, and they were able to properly bill my insurance company as shown by their own documents, demonstrates that this had to have been paid, according to their own policy. At the time of visit, XXXX XXXX as a standard practice, has clients sit with an intake staff member and remit payment before admission into the actual medical area takes place. This could not have possibly been skipped. Unfortunately, since I may have likely paid with cash, I do not have an electronic record of this payment made, especially since it has been so long, thus I have to point to their policy statement and known practices for this proof. Beyond this initial problem, the following issues are far more significant and easily demonstrated with their own documents. Issue # 2 : Listed Reversal of Insurance Payments without Cause The second issue, which is significantly more pressing, begins with the fact that their own documents show that my Insurance paid for my services on the XXXX of XXXX, XXXX, 8 days after the date of service. The amount paid totals to {$330.00} ( cost of service minus {$10.00} copayment ), which is comprised of a direct payment of {$190.00} from XXXX XXXX XXXX, combined with a negotiated Insurance discount of {$130.00}. At this point my service has been paid as agreed and shows my insurance was actively covering me. Without any explained reason, the insurance discount is billed to my account nearly 3 months later, on XX/XX/XXXX, and the insurance payment itself is listed as being refunded by XXXX XXXX the next day on XX/XX/XXXX. At this point, my obligation to XXXX XXXX has been satisfied. My insurance paid them, and as far as I can tell, they either mishandled that money on their own, or this is some sort of erroneous entry in their accounting. There is no proof of this refund provided in their documents, reasons for why it occurred, or where that money actually went. In addition the Reference numbers do not match up properly with the reference numbers of the initial payments and discounts, further making this look like a typo or error on their part that should not be my responsibility. Issue # 3 : Duplication of Insurance Reversals The third issue, and definitely the most obvious that this is an illegitimate debt, is a month later, on XX/XX/XXXX when their ledger shows a duplicated reversal of the Insurance Payment and Insurance Discount, charging my account an additional {$330.00} fraudulently. Based on the reference number, which has again changed from the original, I believe this is likely to more errors on their part. On the same day, The duplicated insurance payment is reversed and corrected, however the insurance discount is left on my account. It also seems as though someone tried to reverse previous late fees, in a half executed attempt to correct my account, since that implies they know I should not have been charged the late fees for the balance left by the first two reversals. This leaves at least XXXX that absolutely, under no circumstances, should have been billed to my account, even if everything else was right about this, which it clearly isnt. This alone makes the balance completely erroneous, as it makes up 27 % of the written off balance which has since been accruing interest and late fees. Issue # 4 : The Late Fees All of the late fees are also inherently bogus thanks to the underlying amounts they were charged on being equally as bogus as described above. One particular example I would like to point to, that further reinforces the sloppy accounting that was done here, is how I was charged a late fee of {$5.00} immediately after the first reversals, as though I had owed that money for a longer time than just the three days between when they were entered and when the fee was charged. In Closing : I have tried to contact Receivables Management but have been routinely ignored. Upon attempting to call them about this issue, I am told there is only one supervisor on the staff who can fix this, and that supervisor, who I imagine is also the owner, is never available and any forwarded calls go directly to voicemail, despite clear signs from the conversations Ive had that outwardly hint that she is both present and available in the office, and simply is choosing to ignore people like myself, despite the grievous errors I was attempting to address. I have attempted to dispute this with the Credit reporting companies, and while XXXX has removed this from my reports, XXXX and XXXX are still counting this debt as valid, despite multiple attempts at disputing it and explaining what I have outlined in this explanation. Every time I dispute this debt, Receivables Management has gone through the trouble of assuring the credit companies that this is in fact a valid debt, despite the clear and obvious signs it is not, and deeply erroneous and fraught with problems that should prevent it from being pursued in this manner. As far as I can tell, they have defaulted entirely to the furnishers opinion in this manner, who could not be bothered to actually look at the documents they are submitting as valid, or worse yet, is knowingly pursuing fraudulent debts and damaging peoples lives because they feel they can get away with it.
11/30/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	DE 19958	Web
At XXXX on Wednesday, XX/XX/XXXX I placed a call to Receivables Management System. After selecting XXXX for operator I was connected to XXXX XXXX, XXXX, with XXXX. In discussion of my medical collection with their agency I proposed a settlement on the account. I was told a settlement was not available. I inquired if that was a company policy or if it was because of a decision made my the original account holder ( XXXX XXXX ). It was at this time I was very rudely told that a collection agency doesn't have to offer a settlement. To which I asked again, " Okay, but I'm trying to understand if this is because of company policy or at the discretion of XXXX XXXX? '' During XXXX XXXXXXXX XXXX repeated response that a settlement does not have to be offered I interjected and stated I would like to file a dispute for the account. Per 1022.43 ( a ) ( 2 ) of the federal Fair Credit Reporting act, I as a consumer have a legal right to dispute the balance of an account. XXXX XXXXXXXX XXXX initial response was directly " no '' followed by asking me what I even wanted to dispute. I explained that I am disputing the balance she is stating I owe on the account because additional fees and interest have been added to the original balance. I added for clarification that additional fees and interest can only legally be added to a collection account if a contract was signed with the original account holder authorizing this. To which, I do not recall any such contract being signed and therefore dispute the accuracy of the balance on the account that is being reported to the credit bureaus. At this time XXXX XXXX further denied that I was able to do a dispute because she stated that I did sign the contract. I inquired if she had the contract on file with her since she is proclaiming that I did in fact sign one. To which XXXX XXXX responded, " No but I can requested it from Patient First because I know you signed it. '' My response to this statement was to ask for a manager. XXXX XXXX, raising her voice to the point of shouting, denied this request stating she was the manager. I rebuttled that I was not going to be yelled at over my legal ability to do a dispute and wanted to speak to a superior. XXXX XXXX claims there was no one above her I could speak to. I began explaining that this was in fact the third time I've called XXXX and on my previous call I requested to speak to Legal or Compliance regarding the issue of additional fees and interest being collected on a monthly basis. XXXX XXXX states she attempted to return my call 3 times and received voicemails. Note : I am able to provide documentation of my outbound calls and will confirm with my phone provider about inbound calls. However, I can confirm no voicemails were received regarding this matter. At this time I repeated that I am disputing this account as per my consumer rights under the federal FCRA further explaining she can not legally deny me of this right and in doing so it would be a legal violation and grounds for a lawsuit. She states " fine I'll do your dispute is there anything else you need? '' I asked what else is needed for my dispute because she was about to terminate the call without asking further details and she states she doesn't need anything from me she'll look at my file. At this time I requested a mailed copy of my dispute information and XXXX XXXX stated " it's not something mailed but I'll see if someone can mail it to you. '' I asked again, " so you're saying you're doing a dispute but I'm not allowed to receive a mailed copy? Is this call recorded on your end because I'm also going to start recording after several FCRA violations have already happened and you're also legally not allowed to deny my request for a written communication. '' XXXX XXXX states yes this is recorded and asked me if I was recording. I stated yes and XXXX XXXX stated that since I recorded she is terminating the call. Aside from the several federal FCRA violations, please note that there are several states in the US that are one-party consent states and consent to record is not required from the individual on the other side of the call. I encourage RMS to review audio record of this call that ended at approximately XXXX EST. At XXXX EST I placed another call to XXXX I spoke to XXXX XXXX explaining the situation and asked for corporate contact information. XXXX connected my to XXXX XXXX, Supervisor. I spoke to XXXX XXXX explaining the reason for my call and again requesting corporate contact information. In discussion with XXXX XXXX about my call with XXXX XXXX, I explained that once a consumer states they want to dispute the accuracy of an account with a consumer reporting agency, which XXXX is categorized as, the statement to dispute can not be denied without reinvestigation. XXXX XXXX confirmed this to be true. XXXX XXXX resolved the call and advised the only way to speak to upper management was through the Contact Us feature on their website. XXXX XXXX provided the company website to use and also provided their corporate mailing that documentation can be mailed to. This second call was concluded at approximately XXXX EST.
09/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20744	Web	Servicemember
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , MD XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. You claim I owe {$360.00}. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. XXXX XXXX CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account. Deletion from all consumer reports. Best regards, XXXX XXXX Please provide the following information : 1. Name and address of alleged creditor. 2. Name on File of alleged debtor. 3. Alleged account # 4. Address on file for alleged debtor. 5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ). 8. Date of original charge or delinquency. 9. Was this debt assigned to a debt collector or purchased? 10. Amount paid if debt was purchased. 11. Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All Statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes No Have any judgements been obtained by any creditor regarding this account? Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information.
11/02/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 22191	Web
I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) REC MGM SYS ACCOUNT # XXXX ( Letter Attached ) ORIGINAL CREDITOR ; XXXX XXXX They responded back to a letter I sent on XX/XX/XXXX XXXX. They respond back on XX/XX/XXXX. Saying I didnt answer them back from letter they sent me before which I never received. They didnt send in the letter as proof. I am asking for Validation. I have a right as consumer because I didnt even know that this was on my credit report. Until just about a month ago. I have right to dispute as consumer because what they are reporting showing all kind of different dates and amounts with 3 credit bureaus is harming me financially. 1 ) The FCRA which I saw on the FTC and CFPB website says that if my information is being reported inaccurately. This is defamation, financial injury stating the case : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX. I have told the bureaus that Rec MGM SYS is reporting these things incorrectly. 2 ) They are in violation fail to report a disputed debt to the credit bureaus. Protection under the FDCPA Section 807 ( 8 ) fine {$1000.00} 3 ) If collection Agency doesnt validate a debt and continually to pursue collection activity. The consumer protection afforded by the FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX. Fine {$100.00}. This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies. This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
06/10/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 21133	Web
On XX/XX/2019 I checked my credit reports and was surprised by how much inaccurate and inconsistent information I saw between my 3 credit reports with XXXX, XXXX, and XXXX Regarding Receivables Management Systems. On XX/XX/2019 I sent a letter to the 3 credit bureaus requesting an investigation into my credit reports. I didnt get a reply in the mail by the 30- day timeframe from any of the three credit bureaus, so I decided to check my credit reports again for changes after way more than 30 days. On XX/XX/2019, After disputing with the credit bureaus directly, I sent investigation requests to Receivables Management Systems to have them validate the accuracy of the information listed on my credit report with no response back. On XX/XX/2019 I checked my credit reports again to see if there had been any changes. There were still multiple inaccuracies and inconsistent information, and my account had been re-aged. On XX/XX/2019 I sent a second request to the 3 credit bureaus for an investigation into the inaccuracies of my credit report and sent Proof of the STILL inaccurate and inconsistent information on my credit reports after my initial investigation request. I sent screenshots of my credit reports with circles around the inaccurate and inconsistent information and violations on my credit report along with notations. I stated I would like to know how the credit bureau verified any of the following information listed below when it is clearly still inaccurate and knowing that no one had validated the accuracy of my accounts when I sent out my direct investigation request to Receivables Management Systems ( please see copies of letters provided ). I asked did you call the original furnisher or just look at the information in their database? I then asked for the following information from the credit bureaus directly. Please provide me with the following information within 15 days : a ) The name of the creditor or collector ; b ) The persons name who verified the dispute with you ; c ) Their address ; d ) The telephone number ; e ) The documentation used to verify the dispute. Here is a list of all the inaccuracies that I still found on my credit report after my initial investigation request : ( Original Creditor : ) XXXX Please delete this account because the collector has re-aged my account. ON XX/XX/2019 I checked my reports AGAIN and noticed the same inaccuracies and inconsistencies and violations and the account has been re-aged again! On XX/XX/2019, I again sent a second direct investigation request to Receivable Management Systems via certified mail so I can have proof they received it, along with a copy of my original investigation request that was sent out XX/XX/2019 that was ignored from my original request. I received my Receivables Management Systems investigation request which was sent via certified mail back in the mail marked return to sender, so Receivables Management systems is not even reporting the correct address on my credit report. As of XX/XX/2019, there have been no changes, no one ( credit bureaus or Receivable Management Systems ) has verified or explained to me how they are still reporting inaccurate and inconsistent information on my credit reports after Im providing multiple items of proof of the inaccuracies after ignoring my initial investigation request month after month. My requests have been completely ignored and this Is hurting my credit score. Please delete this accounts.
08/02/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21225	Web
1. This Affidavit of Fact is Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which you RECEIVABLES MANAGEMENT SYSTEMS are in violation as I never gave you my information directly ; 2. I a consumer in fact, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 U.S. Code 1692 ( e ) ; 3. Take Notice that Pursuant to 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you RECEIVABLES MANAGEMENT SYSTEMS used email, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 U.S. Code 1692a ( 3 ) as any natural person allegedly obligated to pay any debt ; 4. Take further notice that I am the true creditor Pursuant to 15 U.S. Code 1692a ( 4 ) which clearly states that a creditor is any person who extends credit creating a debt therefor I a consumer created the debt via my extension of credit to RECEIVABLES MANAGEMENT SYSTEMS ; 5. You RECEIVABLES MANAGEMENT SYSTEMS shall also know that the term debt defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that it means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes ; 6. Notice that you are defined as a debt collector Pursuant to 15 U.S. Code 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent in direct violation of 15 U.S. Code 1692c ( a ) ( 1 ) ; 7. You RECEIVABLES MANAGEMENT SYSTEMS are also in violation of 15 U.S. Code 1692b ( 2 ) which states that you may not state that I a consumer owes any debt. Furthermore, you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ) ; 8. You are also in violation of 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ) ; 9. Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval as you RECEIVABLES MANAGEMENT SYSTEMS is stating that someone other then me a consumer in fact, is the creditor when I am the creditor Pursuant to 15 U.S. Code 1692a ( 4 ) ; 10. I hereby Demand! That you RECEIVABLES MANAGEMENT SYSTEMS cease and desist all communication and attempts to collect this alleged debt Pursuant to 15 U.S. Code 1692c ( c ) ; 11. Take further notice that your failure to follow these laws will result in me invoking specified remedies Pursuant to 15 U.S. Code 1692c ( 3 ).
01/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 20111	Web
On or about XX/XX/XXXX, I went to the XXXX XXXX XXXX in XXXX, Virginia for what was supposed to be a XXXX XXXX. I was in between jobs and I wanted to get a XXXX before my new insurance was to kick in XX/XX/XXXX. On this visit, an XXXX was done and some XXXX XXXX was done that was consistent with a XXXX XXXX. However, the XXXX who handled me was very unprofessional and used vulgar language throughout the visit, She made me feel uncomfortable and due to the fact that I was not fasting, I had to return the next day to get my XXXX XXXX done. Because of the fact that I didn't want to deal with this XXXX anymore, I just decided to wait until my new insurance in XXXX kicked in so I can get a second XXXX and have it done with a more professional XXXX. XX/XX/XXXX, I get a bill in the mail from who I believe is the same billing company I'm dealing with now XXXX XXXX XXXX which told me I owed two bills both around {$110.00} as my visit from XXXX went to a deductible. I explained to them that it shouldn't of went to a deductible because this was a routine visit which is covered at 100 % per the Affordable Care Act and my insurance policy. I was directed to speak to a XXXX at XXXX XXXX who was extremely rude and disrespectful and told me two different stories. The first, she told me that XXXX XXXX 's policy was that if XXXX XXXX is not taken, then the visit will be billed as a XXXX visit and not a XXXX visit. I explained, I never signed anything of a such and per their agreement with XXXX XXXX they are not allowed to do that, she then changed her story and told me that it was XXXX 's policy that requires a well visit to be billed with blood work. She refused to cooperate with me and told me she wasn't changing the charges. I called the collections agency back and told them either they need to fix this or I will be lodging a complaint with the XXXX. In XX/XX/XXXX, I escalated my complaint to XXXX to which after explaining what happened, XXXX said they were going to call XXXX XXXX to advise them that they needed to rebill the claim as a XXXX XXXX and that XXXX does NOT require XXXX XXXX to be done in order to have a XXXX done. I was told by the collections agency they were going to close this on their side and bounce this back to XXXX XXXX. Earlier in XX/XX/XXXX, I received these same collection items from the same collection agency to which I called them back and advised that per our deal they were supposed to close this. They told me again that this will not show up on my credit report only to find out today that both bills are on my credit report. TO be clear, XXXX XXXX, in my mind, violated ( 18.2-178 ) of the Virginia Code ... which is a felony offense. The company, because I didn't meet their standards, billed a higher charge of services for a higher reimbursement and is trying to stick me with the bill. This was a XXXX visit, to which they never told me this would ever be billed as a XXXX visit and was told them continuing to bill me for it would be a violation of their contract. In addition, I also believe that XXXX XXXX XXXX violated the Fair Debt Collections Practices Act by knowingly putting false information on my credit report for a debt that is not truly owed. I will be seeking a response from all parties that this matter is resolved as quickly as possible. Please note, a separate complaint has been filed with the Virginia Medical Professions Agency against XXXX XXXX.
03/15/2021	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 20109	Web
XXXX is reporting this DEBT ( RECIEVEABLE MANAGEMENT ) as a collection on my credit report. I've sent the collection a dispute of validation. The company has not provided any proof validating the DEBT ( RECIEVEABLE MANAGEMENT ) but sent a letter needing more time. FCRA says 30 days a debt collector or CRA has to validate the debt. I all sent a copy of letters between the collection company and myself. XXXX had 30 days to validate the debt. XXXX removed the collection from my credit report XX/XX/2021. XXXX then today replace this date on my credit report XX/XX/2021. Yet I have not received any validation from this collection, nothing. REINSERTION FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. What XXXX has been doing is beyond damaging to my life XXXX reported inaccurate information about XXXX XXXX, ( 2 ) that XXXX verification procedures were unreasonable, or ( 3 ) that XXXX willfully violated MY rights https : XXXX XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. It's basically illegal what XXXX has been doing and no one even reads anymore. It states clearly what the law is but XXXX is defiant. Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I'm starting to have serious problems from this stress seriously!
11/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23464	Web	Servicemember
I took my daughter to XXXX XXXX on XX/XX/XXXX for treatment. I gave my insurance information and also scanned a credit card per XXXX XXXX policy that would only be charged for any balance not covered by the insurance. I never recieved any other bills or notices. Around XXXX XXXX I received a collections letter from Receivables Management Systems attempting to collect a balance from XXXX XXXX plus a collections fee. I sent a written dispute letter to Receivables around XXXX XXXX as I believed the collection attempt to be fraudulent and asked for verification in writing of the validity of the debt. I received a collection phone call from Receivables XXXX XXXX around XXXX XXXX. During the call I mentioned the dispute letter which the person on the phone claimed to have never received. I then notified the person that since this is being recorded I am also making a verbal dispute and requesting written validation. She would not agree to send written validation. Furthermore, I stated that I believed that the call was a fraudulent attempt to collect because I scanned my card at the time of treatment. She said that I did not scan my card and I said that scanning a card is required before receiving treatment and she again said that I did not scan a card. I again asked for written validation but she would only read information from my alledged bill and would not agree to send written validation so I ended the call. I then called XXXX XXXX and spoke with XXXX on XXXX XXXX at around XXXX XXXX. She confirmed that I had scanned the card and that there had been a glitch. I stated that I had not recieved any bills. She confirmed my address and I paid the balance not paid by the insurance company as this was the first time I knew of a balance and was able to receive an explanation of what happened. I refused to pay the collection fee as I had acted in good faith and paid the balance as soon as it was communicated to me in a valid medium. My complaint against Receivables is that they willingly chose to ignore my dispute and continue debt collection activity. When I heard the employeen claim that they had not received my dispute letter I immediately stated that I am therefore making a verbal dispute and asked for written validation. The employee ignored my request and continued the call and began to " read '' me the statement of charges. I explained the XXXX XXXX policy regarding the card and again communicated my suspicion that this call was fraudulent. That's when she repeatedly accused me of not scanning my card which is tantamount to accusing me of lying. If she had stopped the collection activity as soon as I made the verbal dispute and called XXXX XXXX she would have received confirmation that I had indeed scanned a card and thus made a good faith attempt to pay any balance that may have been charged. It was unnecessary for me to be treated this way and it was my understanding the dispute process put in place by the Fair Debt Collection Reporting Act was to prevent this. My written and verbal disputes are valid and require that all debt collection activity and reporting cease until the dispute is resolved. Receivables Management Systems refused to respect my rights and refused to simply give me a written validation of the alleged debt.
07/26/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 76107	Web
I first heard from Receivables Management Systems around a month ago as I got a letter they sent me. This was the first letter I have ever received from them, the first time I was EVER aware that XXXX XXXX claimed that I owed them money. I did not receive any text messages from XXXX XXXX to my phone nor did they ever contact me about the debt EVER. This collection agency LIED about contacting me previously and they falsely claim that they are under no obligation to confirm the debt. This is a LIE, because I called them THE SAME DAY that I found their letter in my mailbox, which is the first they have EVER contacted me. I called them and spoke to someone who was trying to lie to me and tell me that the burden is not on them to produce evidence of any debt. From that day I had been planning to call XXXX XXXX and confirm the debt myself but I was in the process of switching bank accounts. And now after I have finally received my debit card and transferred all the money from my old bank to my new back ( which clears the account tomorrow ) I was going to call XXXX XXXX as soon as it clears. The reason for this complaint is today I received another letter from Receivables Management Systems where they LIE AGAIN and say that they are under no obligation to investigate the debt under the Fair Credit Reporting Act because it has been thirty days since they notified me of the debt. This is false. They claim it has been over 100 days and I literally called them THE SAME DAY I received their letter. This is fraud. This company is engaging in fraudulent lies and I will not stand for this. This complaint is simply to report a business engaging in FRAUD. They wrote me a long winded letter saying that they have no obligation under the FCRA but did investigate it as a courtesy. This is not a courtesy, they are a bunch of liars. The woman on the phone used this lie to try to extort money from me over the phone and then when I told her I disputed the debt she said I can not dispute the debt. She copped an attitude with me and I had to resort to telling her I know my rights and I know that if I say the debt isn't mine they have to verify it. The other problem with this is the alleged debt is for {$40.00} and they are claiming double that as interest added. This is absolutely absurd and neither this company or XXXX XXXX has EVER ... EVER contacted me about this. NOT EVEN ONCE. I intend to call XXXX XXXX tomorrow to get to the bottom of this and if I indeed do owe them money I will pay it but I am not paying double the amount I owe because of some criminals who want to get double the money out of me claiming they've contacted me before when they never have. I moved from XXXX to XXXX and they sent me a letter to my new address last month and they claim the debt is from 2020. They had PLENTY of time to contact me esp. by phone and ON ONE EVER HAS. I want these people to stop harassing me trying to extort money out of me. Like I said I will pay XXXX XXXX what I owe them if I indeed owe them money, I WILL retain a receipt from paying them and I want these frauster criminals to never contact me again or XXXX XXXX they put something erroneous on my credit report.
12/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20747	Web
As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is XXXX activity at the least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) XX/XX/2021 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. You, RECEIVABLES MANAGEMENT and its representatives/agents is Civilly Liable for your transgression against me, a consumer, under XXXX. I take this lawful action ordering judgement against you. A court of competent jurisdiction can add additional damages if deems necessary.
04/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23834	Web	Servicemember
On XX/XX/XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that RECEIVABLES MANAGEMENT SYSTEMS had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/XXXX with a balance of {$120.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. RECEIVABLES MANAGEMENT SYSTEMSXXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX ( XXXX ) XXXX
05/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 18914	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Receivables Management System XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Date : XX/XX/XXXX Date Reported : XX/XX/XXXX Re : Acct # XXXX SSN last four - XXXX Original Amount Owed : {$340.00} Debt : {$770.00} To Whom It May Concern : This letter is being sent to you in response to your attached letter. I am a victim of Identity thief and your company is coming up as a collection on my XXXX credit report. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX, XXXX. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and XXXX XXXX XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, XXXX XXXX
04/04/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	VA 223XX	Web
I received your partial response through CFPB stating that you will request that I be forwarded a copy of my signed guarantor agreement with XXXX. Referencing this agreement does not justify your agency sending a collection letter that is ambiguous. The fees that are included in the debt may be authorized by that agreement, but all collection letters need to clearly state information about the debt 's character and amount. Your letters do not. First, the collection letters indicate, " Other '' but neglects to report exactly what this means. In addition to this, collection letters dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX indicate, " Other {$40.00}, '' while collection letter dated XXXX/XXXX/XXXX indicates, " Other {$39.00}. '' As a collection agency, you are expected to include in the letter information about what, the " Other '' charges are and how they were determined. Second, the collection letters indicate that the debt includes an interest, but neglects to report the amount, frequency, and cycle. Collection letter dated XXXX/XXXX/XXXX indicates, " Interest {$0.00}, '' letter dated XXXX/XXXX/XXXX indicates, " Interest {$7.00}, '' and letter dated XXXX/XXXX/XXXX indicates, " Interest {$15.00}. '' None of the collection letters clearly report the amount of the interest rate nor frequency of which the interest accrues. This omission creates confusion and is misleading, because if a payment is sent in the amount noted as " Total Due, '' but is sent outside of the interest cycle, the debt will not be resolved, because additional interest will be further calculated. As a collection agency, you are expected to disclose in the letter information about how the debt is affected by a specific interest rate accrual. Third, XXXX XXXX confirmed that my payment of {$150.00} for the original debt of {$150.00} was received on XXXX/XXXX/XXXX, yet this was not acknowledged on your part until I received collection letter dated XXXX/XXXX/XXXX. This seems to be a deliberate delay in confirming receipt of my payment, in order to continue billing interest. I contacted your agency via phone on XXXX/XXXX/XXXX and informed the representative that I made payment to XXXX in XXXX XXXX and that I just received a collection letter requesting additional money. I also informed them that I do not pay bills with mysterious charges and that I will not make payment to your agency, because the justification for that amount was not included in the letter. The fact that I am dealing with you, does not justify your attempt to mislead me. The Fair Debt Collection Practices Act expects that collection letters accurately represent the amount and character of the debt. Your collection letters fail to uphold this. You can not exclude this information and suggest that I read an agreement with the original creditor for clarification or simply call your agency to talk about it!
11/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76107	Web
Earlier this year I got a call from a collection agency " Receivables Management '' about money I supposed owed XXXX XXXX. They said I owe them {$40.00} but I would have to pay them {$80.00} ... and they said there was some {$40.00} collection fee. So I called XXXX XXXX to verify the debt. They claimed that I owe them the {$40.00} from a medical visit in XXXX I believe. I think that's when it was I'm not sure, but that is not the issue here. But first I DO need to tell you that XXXX XXXX told me that they sent me out a text that they were going to charge my card, and then they tried to charge my card. I had changed banks and gotten a new card so it must have not gone through, but I NEVER got a text from them. When I asked the lady on the phone why they didn't try to call me to get in touch with me about the debt, she said in a very toxic tone " Sir, We don't make phone calls. '' Well if you don't make phone calls how the heck you expect to get paid? I was not happy about that but I told her I want to pay the debt that I was convinced was genuinely my debt, but I'm not paying some ridiculous collection fee because they did not make any effort whatsoever to contact me before sending me to collections. Fast forward to now, I have a collection on my credit reports for {$40.00} from the collection agency that put that on my credit reports and is screwing up my credit. This can not be legal first of all I have NEVER heard of a collection fee being charged to a person sent to collections, and second of all they never contacted me once. I am pretty sure that a creditor MUST contact the debtor to try to get payment before sending them to collections. When I was younger I made a lot of mistakes and was send to collections a lot and it was only to pay what I owed. As you can imagine I and on the straight and narrow now and I want to avoid collections, especially ones that are invalid! These people will not budge and they keep telling the credit reporting agencies that the debt is valid when it is not! I am not responsible for the irresponsibility and laziness of a company that doesn't even try to get a hold of customers to tell them they owe money!!!! That's on them. And if the collection agency wants {$40.00} let them pay it! I want this off my credit report. I'm trying really hard to improve my credit and I'm working against past irresponsibility on my part. PS : The address for Receivables Management is listed here because you have no other place to put it and when I said they aren't the place the original debt came from you ask me for XXXX XXXX 's address but not theirs.. RECEIVABLES MANAGEMENT ARE THE CRIMINALS WHO PUT THIS XXXX ON MY CREDIT REPORT!!!!!!!! Receivables Management Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
12/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 20602	Web	Servicemember
XXXX. Sometime before XX/XX/2021, an annual consumer credit report was requested by me XXXX. Upon review of the reports, noticed a collection account reported Receivable Management Systems. XXXX. After seeing this error, I immediately disputed the alleged collection account with the credit bureaus. XXXX. After an investigation, the bureaus came replied stating the account was verified with Io, INC. name and address. XXXX. On XX/XX/2021, Io, INC ( Receivable Management Systems ) caused to be delivered to me a letter ( " Letter '' ) in an attempt to collect the alleged debt. XXXX. Claiming some time prior to XX/XX/2021, an obligation was allegedly incurred by XXXX to XXXX XXXX. XXXX. The Letter is a " communication '' as defined by 15 U.S.C. 1692a ( 2 ). XXXX. The alleged Patient first obligation is a " debt '' defined by 15 U.S.C. 1692a ( 5 ). XXXX. Io, INC ( Receivable Management Systems ) contends that the alleged debt is that their records show debt is still due and owing as of the date of the letter. Also, the dept has accrued late fees of {$48.00}, and a collection fee of {$40.00} and Because interest, late fees, and other charges may vary from day to day, the amount due on the day you pay may be greater. XXXX. Io, INC ( Receivable Management Systems ) collects and attempts to collect a debt. XXXX. Unable to find records of the alleged collect accounts claims and suspicion of the authenticity of the document sent in the letter that offered no copies of original documents. XXXX. On XX/XX/2021, I sent Io, INC ( Receivable Management Systems ) a letter requesting proof of legal claim to the alleged Debt or removing the derogatory account from the Plaintiffs credit report. XXXX. The Letter stated in part : On XX/XX/2021, I received the documents you sent to validate the debt. Let me inform you that a debt is owed does not give you the legal right to collect on the debt? XXXX. There was no action from Io, INC ( Receivable Management Systems ) as far as proving the legal claim to the debt or removing the account from XXXX 's credit report. XXXX. On XX/XX/2021, I sent another letter. XXXX. The letter stating in part : On XX/XX/2021, at XXXX pm, your office received my request for Receivables Management Systems, also known as Io INC, to validate the debt you claim that I owe your company. You have not responded to my request, and you are in DEFAULT. Your company has made it clear that you are using unfair and deceptive means to collect a debt. Immediately remove any derogatory reporting to the credit reporting agencies XXXX. Io, INC ( Receivable Management Systems ) then closed the account on XX/XX/XXXX and then reopened the account on XX/XX/XXXX with an increase of a dollar.
03/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 23503	Web	Servicemember
To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Virginia medical privacy rules XXXX I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, XXXX XXXX XXXX
03/10/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 23503	Web	Servicemember
To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective 09/23/2013 interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on youXXXX HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Virginia medical privacy rules XXXX I also hereby reserve my right to take private civil action against you to recover damages.
09/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 189XX	Web
To Whom it May Concern : This Complaint concerns Receivables Management Systems, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX. A XXXX XXXX was already supplied to these people three times. Per the Fair Credit Reporting Act, upon their receipt of this Affidavit, they were supposed to cause the removal of this alleged account from my credit report. They have already failed to do so, and thus have already violated the Fair Credit Reporting Act. Even if this account were legitimate which it is not - please make note of the balance they have reported to XXXX as to this alleged debt from XX/XX/XXXX to present, namely : Date Balance Change XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$250.00} About 13.2 % Annual Interest XX/XX/XXXX {$250.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} {$37.00} reduction, no payment made XX/XX/XXXX {$230.00} About 10.7 % Annual Interest XX/XX/XXXX {$230.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest Per my XXXX credit reports from XX/XX/XXXX to XX/XX/XXXX, they appear to have been charging an approximate average of 13.2 % annual interest on this alleged debt. No contract exists where I authorized such interest on any such alleged debt. Per my XXXX credit report on XX/XX/XXXX ( see enclosed ), for no apparent reason, they appear to have made a {$37.00} reduction in my alleged balance. I made no payment. And then, per my XXXX credit reports from XX/XX/XXXX to present, they appear to be this time charging an approximate average of 10.7 % annual interest on this alleged debt. No contract exists where I authorized this amount of interest either. Their credit reporting simply can not be accurate, even if this account were legitimate. I am requesting that this fraudulent and inaccurate account be deleted from my credit immediately. Thank you for your time and attention to this matter, and I remain Very truly yours, /s/ XXXX XXXX XXXX XXXX
08/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 22192	Web
I first sent a certified letter to Receivables Management Systems on XX/XX/2021. I received no validation of debt but was sent a bill instead saying they hadn't heard from me. The letter I sent was from the address on my credit report on XXXX I received no response, bill has different address then what is reported on credit report. I then sent a follow up letter on XX/XX/2021 asking for validation of the debt owed. This was also by certified letter, it was sent to another address given on a different credit reporting on XXXX I received no response and was sent a bill on XXXX instead saying they haven't heard from me. There was a different address on the bill then what is reported to the credit bureau. ( I have confirmation they received each letter from USPS website tracking ) I then followed up with my 3rd letter by certified letter on XX/XX/2021. Asking for validation of debt again, I sent this letter to the address on the bill. I received no response. Nothing, until XX/XX/2021 saying they hadn't heard from me. Even though I know they received each letter. I then my 4th letter with copies of each letter that I had previously sent, copies of each certified letter to them, to address on bill on XX/XX/2021 this was sent by certified mail as well. I received no response again. I then sent my 5th and last letter to them asking for validation that this was my debt, on XX/XX/2021. I sent this certified letter with a return receipt so they would have to sign for it this time. I have all electronic receipts through USPS of when it was received each time by there office. I then received a letter back from them, it was quite rude and told me they are not required to give validation of this debt since they received no response from me they said. Which is simply untrue. I have proof of the letters and receipts that have been sent over a 5 month period. They are not following the law, they haven't responded for over 5 months, and then send me a bill with personal medical info, which is against HIPAA rights, they have no legal right to have that information because they have not shown a sign copy of a release from me for HIPAA medial information. They are in serious violation of several collection practices. I want this debt removed, they have no legal basis, they have no contract with signature that says I'm require to pay them, they have no HiPAA release from me either and I have no legal obligation to pay them because of that requirement. They have to follow the law and they are breaking it.
09/01/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 20774	Web
Receivable Management Systems has been reporting failure to pay a debt on my credit since XXXX. Since I first saw this on my credit I have made multiple attempts to pay the debt over the past XXXX years recently on XX/XX/XXXX I disputed the issue to receive no response from the company. During the month of XX/XX/XXXX I have left 6 messages for their dispute department and have not received a return phone call. Yesterday XX/XX/XXXX I spoke with a collections representative who said she had to record the call which I understood then said " we are reaching out to you to collect a debt ''. I replied since this is recorded please make note that I reached out to you all because there has never been an attempt made to collect this debt and before you started recording you verified that you all have made no attempt to collect this debt because I live in Washington DC, which is no longer the case and has been updated on my credit file and should have been the multiple times I have called to inquire and receive a bill regarding this debt. You all even have a phone number on file that was put in service after XXXX the original date of the bill but you all are stating that you have had not tried to collect this debt and that's concerning '' and you even tried to make light that I did not have the whole account number yet I gave you the exact information from my credit file submitted by you all. In which the representative responds " I am not going to argue with you are you calling to pay the debt of {$410.00} if not I can transfer you to disputes and they may call you back. I explained I have left multiple messages for them and received no response and she replied well I can't help you. This company chose to not bill me in Washington, DC because legally they could not pursue my medical in DC. Now, since I have moved to Maryland a state where they are able to enforce collection efforts they have not but they now want to charge me a fee for the time they could not legally collect payment. They are now charging me 3 times the original payment amount because they chose not to collect or send collection requests to any of the Maryland addresses that were updated in my credit file! I have offered sever times to pay the original debt minus the egregious collection fees and that offer was met with aggression. I am now willing to pay the original amount owed minus 30 % and no collection fees due to XXXX XXXX unethical and predatory collection practices.
06/18/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 23320	Web
On XX/XX/XXXX, I disputed the validity of 3 accounts being reported to my credit by this company. ( acct # XXXX, acct # XXXX, and acct # XXXX ) I requested validation in writing. This company never responded. I have never received a collection notice from this company advising my rights to dispute. After my 2nd credit report dispute and written letter sent in XX/XX/XXXX demanding them to cease collection efforts and remove their tradeline from my credit due to FCRA violation, they finally responded advising the following : " My company believes the law in question only applies " if the consumer notifies the debt collector in writing within the thirty-day period '' of when the debt collector sends notice of the right to request validation '' The information they sent me was not complete and I feel that I should not have to continue back and forth with them as it has already been 7 months and they have had ample time to respond and provide complete proof of the debt as I had originally requested. I did my due diligence and they did not. If they NEVER sent me a letter advising of my right to dispute, how could I be aware? I was first notified of this debt when I took the initiative to pull my credit in XX/XX/XXXX. I immediately contacted them and requested validation and gave them 30 days to respond. They failed to respond. I believe this account has frivolous charges on it that I never agreed to and I also do not agree with the services that they claim they are billing me for. They have not provided me with a signed document that states I ever agreed to the fees they claim I owe. Their response to me is not a true statement per the FCRA. The law states if they do not validate the debt when requested and within a reasonable time frame, they must remove their tradeline. The FDCPA states if they can not validate the debt then they must stop collection activity and close the account. This company 's opinion of the law doesn't excuse them for not complying with FCRA and FDCPA requirements. I gave them a fair amount of time to respond and they did not bother to respond until 7 months later after another written letter was sent to them threatening further action if they do not remove this from my credit and stop collection activity. I will also be filing a XXXX and attorney general complaint against this company as well as seek legal action for failure to follow the law.
09/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 21234	Web
XXXX XXXX REC MGT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
09/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 279XX	Web	Servicemember
On XXXX I received treatment for an injury that happened at work. The number for that is XXXX. I was informed shortly after my injury while checking my credit report that you changed my account to a personal debt collections account for the amount at the time of XXXX. I called numerous times within the last 1 1/2 and my bill was illegally referred to a collections agency. I was informed by you that my job didn't care about workers compensation insurance and that I was liable. Under the workers compensation Act in VA the injured worker is never liable. Throughout this time you charged interest and kept reporting a debt to the credit agencies under a new account number of XXXX, which under the state and federal laws was incorrect. Seeing how this claim was a workers comp claim i was never liable. I am asking you to correct this and report this to the agencies of your mistake. On XXXX I contact there admin team with the documents needed to resolve this debt showing that under https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please refer to section 2 - I the injured worker is not liable, the company stated they would respond in 25 days, instead they keep billing this debt as a new debt and charging interest since it has hit my credit effective date of negative impact in XXXX not even 60 days later. I have been denied the ability to credit due to the negligence & called today and was hung up 4 times trying to resolve this. The company is under a company name that is no longer active as my previous claim, & me as the consumer should not be held liable. As well as this company failed to removed paid accounts as promised & the company listed on the credit reporting agencies in unreachable. The agency As you can see per the credit reports are not the same as the Admin team who was supposed to handle my claims, why is a company using another name to hit consumers credit. As well as when I filed my last complaint the next page is showing XXXX XXXX Closed in your system. As well as the companies addresses for that & the name they are using which is Receivable Management is also not listed as a company. I have filed an FTC complaint & contacted the credit bureau 's several times with no resolution.
09/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19020	Web	Older American
Quite a while ago through XXXX XXXX, I was made aware of an outstanding balance from XXXX XXXX, that is now being held by a company called Receivables Management Systems. I stated to them on more than one occasion, visa XXXX XXXX, that I do not owe this debt of {$230.00}, because this was the result of seeking treatment for a personal injury that had happened to me in XXXX, ( I was hit by a XXXX XXXX ), and as such had informed them that it was being taken care of through my auto insurance, as well as personal health insurance. I further instructed XXXX XXXX, after having been first meet aware of this alleged debt, to contact my personal injury attorney at that time, for which I gave them all the information. This case was settled in XXXX, through another personal injury attorney, but still I was led to believe that the information from this had been passed on to the new attorney. From that point on I heard nothing from XXXX XXXX, until I see my credit report through XXXX XXXX, and notice that I have this in collections through this company. At this point I made it very clear to Receivables Management Systems, that based on the fact that this was to be taken care of through my personal injury attorney, that they needed to speak to them and that as such I did not owe this bill. I not only never heard anything from this company, but on multiple occasions when I checked my credit report, I still found this there. I finally contacted them directly online, telling them that I do not owe this on the basis of what I've stated above, and to never contact me in any way, shape, or form. this company refused to abide by my cease-and-desist request, by sending me a letter, dated XX/XX/XXXX, that not only refuses to see what I am trying to say in this matter, but it's still insistent that I owe this debt! I want to make it very clear, that on the basis of the fact that this was to be handled by my personal injury attorney, that I do not owe this debt, and I refuse to pay a debt I believe I do not owe! They need to speak with my personal injury attorney of record, and not me. I am insisting, that they not contact me in any way shape or form, because if they do again, I will be forced to take legal action.
04/09/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23669	Web
I am filling this CFPB complaint against RECEIVABLE MANAGEMENT since I am unable to get the expected result for the multiple disputes I am sending to them. I made sure to send another letter directly to RECEIVABLE MANAGEMENT regarding my dispute but I also wanted to make sure that my concern will be solved once and for all. The concerned account is REC MGM SYS ( Original Creditor : PATIENT FIRST ) XXXX This account started to show in my credit file in XX/XX/XXXX and I have been disputing this account ever since. But after a few attemps, this was removed from my XXXX and XXXX credit report. Now that this account is only reporting in XXXX and I don't know how they continue to report this account as verified. 1. The initial balance reporting for this account is {$920.00} but after this has been removed to 2 credit bureaus the balance was changed to {$300.00}. The balance being reported is completely different. This is from the same company and account number so how can the balance be changed if you are claiming the account as verified as accurate? 2. From the initial report ( XX/XX/XXXX ) the balance was {$920.00} but the high credit in the report is only {$390.00}. I need to know charges or interest added by RECEIVABLE MANAGEMENT for this account to end up to the balance of {$920.00}. 3. This account is reporting as fully verified then how did the balance change to {$300.00} on the recent credit report? No date of last payment reported in this account so please verify and validate why the balance that ends up now is {$300.00}? 4. This account was acclaimed by RECEIVABLE MANAGEMENT in XX/XX/XXXXand I know that this debt is completely older than that. This account is outdated therefore should be removed from my credit report due to the statute of limitations. I am attaching the screenshot of how this account is reporting in my credit report and how they continue to report this despite all the inaccuracies. RECEIVABLE MANAGEMENT and its continued report in XXXX is a big mistake. And I need it to stop. This is an inaccurate and invalid collection account that has been giving me a hard time improving my credit score.
07/12/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23234	Web
I have had oral and written communications with Receivables Management Systems ( " RMS '' ) numerous times at the beginning of them placing a medical debt payment on my credit report ( XX/XX/XXXX ) and as recent as of XX/XX/XXXX. I do not and have never had a written contract with RMS to pay them anything and have denied over and over again owing the medical debt they are repeatedly asking me for. They claim that the debt was purchased from XXXX XXXX. I had a contract with XXXX XXXX, but my insurance company paid that off in either XX/XX/XXXX or XX/XX/XXXX. I DO NOT HAVE A CONTRACT WITH RMS and never signed or agreed to pay them anything. have even hired XXXX XXXX XXXX to get their assistance in removing the duplicate collection payments from all three credit reporting bureaus. Once XXXX XXXX XXXX got involved, instead of RMS deleting the collection data from my credit reports, they placed a duplicate collection on my reports showing that I owe {$0.00} and that payment was received. However, the original collection they put on my reports is still there and shows on my reports as an additional collection, with a new start date as of XX/XX/XXXX ( starting the seven year removal cycle all over again ). This has turned from bad to worse because it is showing up on my reports as a new collection debt and has lowered my credit scores by an average of 22 points. RMS has been playing games and have been very uncooperative. They just wo n't budge and seem to enjoy doing detriment to my credit score, even though they can not produce any papers showing that I have an agreement with them to pay them anything. I want all of their collection debt information deleted from all 3 credit reporting agencies immediately. I realize how important good credit is and have been working extremely hard to improve all aspects of my credit. Negative 22 points is a large set back to be placed on anyone 's credit and especially if it 's not valid or proven. Please help me get this bogus medical debt removed from my reports. You are my last resort to getting this officially taken care of once and for all. Thank you.
04/06/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29730	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Receivable Management Services LLC for committing identity theft. I have never given Receivable Management Services LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from Receivable Management Services LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Receivable Management Services LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Receivable Management Services LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Receivable Management Services LLC continues its collection efforts, I will file for litigation for actual damages caused and Receivable Management Services LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
10/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 236XX	Web
Notice, it is a fact, I, the affiant is a consumer and has the right to privacy in accordance with 15 U.S.Code 1692 ( a ). Notice, it is a fact, pursuant to 15 U.S.Code 1692a ( 4 ), the term creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor in fact. Notice, it is a fact, affiant is aware that the amount specified by the original contract is different from what RECEIVABLES MANAGEMENT is attempting to collect. There is no prior contract which authorizes them to collect the amount, shown in Exhibit ( A ), that RECEIVABLES MANAGEMENT is attempting to collect and no part of the contract expressly authorized the collection of this amount. This is a violation of 15 U.S.Code 1692f ( 1 ). Notice, it is a fact, affiant is aware a consumer reporting agency may furnish a consumer report in accordance with the written instructions from the consumer to whom it relates. Please provide the written instructions that I, the consumer gave to { Name of CRA } which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice this has been a fraudulently made consumer report using my identifying information. Exhibit ( A ) shows proof of 15 U.S.Code 1681b ( a ) ( 2 ) being violated by XXXX, which constitutes aggravated identity theft in accordance with 18 U.S.Code 1028A. The account, RECEIVABLES MANAGEMENT must be removed. Notice, it is a fact, affiant is aware pursuant to 15 U.S.Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to RECEIVABLES MANAGEMENTs abusive and deceptive business practices. Notice, it is a fact, affiant is aware, If judgement is made against RECEIVABLES MANAGEMENT I, the affiant, can and will pursue class action for the amount of XXXX to 1 % of your company in accordance with 15 U.S.Code 1692k ( a ) ( 2 ) ( B ). I DEMAND these items be removed from my consumer reports immediately.
07/16/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	VA 23464	Web
I received a letter in the mail from RMS claiming I owe {$71.00} to XXXX. A principal amount of {$31.00} and " other '' fees totaling {$40.00}. I replied within 30 days with a debt validation request, which was received by RMS on XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX labeled " Notice of credit bureau notification '' from RMS stating I had 10 days to fulfill the amount or my information would be reported to credit bureau. At this point, my debt validation letter had not been responded to. I called RMS on XX/XX/XXXX and spoke with XXXX XXXX ( XXXX ) who advised me the account was in dispute and that the documentation I requested was being obtained and my validation letter was received. On XX/XX/XXXX, I received a credit notification ( XXXX ) of a new collection account in the amount of {$71.00} from RMS. I placed a call to RMS at XXXX on XX/XX/XXXX seeking information as to why my debt validation request was not responded to and why the account was reported to the credit bureau. I was told that nobody was available to help me and that I would need to leave a voicemail for " XXXX '' and was promised a call back immediately. At XXXX I placed another call requesting to speak with XXXX. After being connected with XXXX, he confirmed that the account was forwarded to the credit bureau on XX/XX/XXXX, that my debt validation request was received on XX/XX/XXXX, and that a letter was sent to me dated XX/XX/XXXX, acknowledging receipt of my debt validation request. XXXX then asked me if I was willing to pay the principal amount of {$31.00}. In doing so, he would send me a letter saying the debt was satisfied and request that it be removed from my credit report. I declined the offer as I was still unaware of the debt and its validity. I politely asked XXXX for his full name and he declined to help me any further and disconnected the phone call. As of today 's date, I 've never received validation of the debt. I was also asked several times why I do n't remember the bill as it was from just XX/XX/XXXX.
09/30/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 206XX	Web
On or about XX/XX/2016, I received notification on my credit report through XXXX XXXX that Receivables Management from what appears to be XXXX XXXX as the original creditor. However, XXXX XXXX is a urgent care facility and this debt has been PAID IN FULL -- as they will not treat a patient ( my minor daughter ), if there are ANY OUTSTANDING DEBTS on the account. This account was paid when I visited XXXX XXXX again with my daughter. Receivables Management Systems did not provide enough information on my credit report for me to VERIFY the debt. For example, there is NO ACCOUNT NUMBER referenced, no " TYPE '' of accou8nt, and I've repeatedly tried to DISPUTE this account with both XXXX and XXXX on numerous occasions. So let me ask, if there is NO WAY for a consumer to reference an account number to any payments made, how are ANY accounts being appropriately debited for payments received by consumers? Should the CFPB allow Receivables Management Systems to continue to collect debt and falsify credit reports of consumers by making it impossible for consumers to prove their debt with this collection agency has been resolved, paid in full, or even settled? If there is no account numbers reported, this company can literally be accepting payments from consumers all across the USA and never reflecting the payment ( s ) on their accounts. XXXX has had this dispute open for SEVERAL MONTHS without resolve. Is there a law regarding how long a company has to prove a dispute to be correct or incorrect? I thought this federal law was 30 days??? Why is this company STILL REPORTING I OWE MONEY TO THEM on two out of three credit reporting companies? And in addition to all of this, when you go to their website http : //rmscollect.com/ and click on PAY ONLINE, the very 1st question is " Account Number '' -- and it's a required field to move forward. This collection has been on my credit report FOR THREE YEARS -- even though I've continuously disputed it -- and it has NEVER REPORTED an account number.
11/11/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23238	Web
I found this debt under the name of Receivables Management on behalf of XXXX XXXX on my credit report. I disputed through the credit bureaus this debt because I had not received any information from Receivables Management about the collection items and there was dispute with XXXX XXXX about how they had billed the insurance initially. Receivables Management responded that the debt was valid and did send me information in the mail about the debt. This dispute was filed approximately 90 days ago. I am now in the process of obtaining a mortgage loan and would like to resolve this debt and contacted Receivables Management on XX/XX/20 and spoke to one of their front line collections agents. They stated to me that because I had disputed the debt, they were not able to assist me and I would have to speak to their supervisor line to resolve the issue. I called back using the number provided and immediately had to leave a voicemail. The voicemail stated that I would receive a phone call in 24 to 48 hours. Since they did not specify business hours, I waited until Tuesday XX/XX/20 to follow up and called back and had to leave another message. After not receiving a call, I called back on XXXX/XXXX/20, and again, had to leave another message. I called and spoke with another frontline collections agent, who again told me they could not help me, but would try to get a supervisor. All they did was transfer me again to the voicemail for the supervisor line. I am attempting in good faith to resolve these items. I am want to pay them and I want them removed from my credit bureau report, but the company is making it difficult to do that. They are creating an unfair situation that is having a negative impact to my credit score. This could be seen as a violation of the Fair Debt Collection Practices Act. They are penalizing my ability to pay this debt solely because I disputed the debt initially and that is per their collection agent 's statement.
03/13/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 191XX	Web
XX/XX/19 TO WHOM IT MAY CONCERN : RE : XXXX XXXX XXXX, XXXX XXXX XXXX, Phone : XXXX/ XXXX XXXX, XXXX XXXX XXXX , XXXX , PA . Phone : XXXX I am writing this letter to seek help in a matter involving XXXX XXXX XXXX. I received a letter in the mail around XX/XX/XXXX, stating that I owed {$70.00} for services rendered through XXXX XXXX in XXXX, Pa. I should not have received this notice nor bill because I have co-insurance which pays all my out-patient co-pay. I had used XXXX XXXX XXXX several times in the past and not received a bill. This time someone must have made a mistake in not billing the co-insurance under my secondary insurance. In contacting XXXX XXXX XXXX, I told them that and the representative was not compassionate to real facts. The bill was originally {$30.00}, with the collection fees it remains to be {$70.00}. I then requested to speak to a supervisor concerning the matter, I was then, transferred to a supervisor name Ms./Mrs. XXXX, she was least concerned with the facts and so very unprofessional. Though I had explained the situation to her. She made no sense in being a professional, so I told her I would handle the matter and call and talk to patient first. I spoke to a rep at patient first and she told me that they did not have my co-insurance at that time of the billing. I ask why not it was on record all the other times that I used their services for emergency care. She then, asked for my co-insurance and told me that she would decrease the bill. Since then Ive called Ms./Mrs. XXXX leaving several messages on her voice mail and she would call one time and one time only and if I am at work, she I tried to call her on my break she would not answer. I rather not deal with XXXX XXXX XXXX because of the unprofessionalism on their part. So, I am writing to get help. XXXX XXXX XXXX are threatening to put this {$70.00} bill on my credit file. Truly, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . # XXXX XXXX, Pa XXXX
03/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 23456	Web	Servicemember
My granddaughter received care on XX/XX/XXXX under a XXXX XXXX referral. XXXX XXXX submitted an insurance claim under the wrong last name although the correct last name was given along with name change court order and custody paperwork. I was out of town and they would not resubmit claim under correct last name when my wife called them in XX/XX/XXXX. Instead they turned it over to a collection agency called Receivables Management Systems whom are very rude and threatening in their tone and legal threats. I disputed the debt with them. I have provided XXXX the renewed authorization number on XX/XX/XXXX and again on XX/XX/XXXX for payment through XXXX. RMS validated the debt with XXXX XXXX on XX/XX/XXXX which is 11 days after XXXX received the new authorization for the insurance claims payment. Instead of removing the account from RMS after receiving an authorization, they validated it with RMS and it remains on my credit report as a collection when I have fulfilled all my legal obligations to resolve this. I asked that XXXX remove the account with RMS as an error of reporting, remove negative credit reporting and file the claim with XXXX. The initial problem was a result of a clerical error with last names not matching the original referral which had the correct last name. I am just asking for a common sense approach to this as it was really quite simple that XXXX had a referral for the correct last name but a medical claim from XXXX XXXX for the wrong last name. It was denied and patient first never resubmitted under the correct name even though they were alerted to the possible error in filing. Never the less, XXXX has now authorized the claim once again and to date, they continue to validate this as a debt to RMS, their collection agency. Additionally, I only received one notice from Receivables Management Systems in which I disputed. They had already placed this on my credit report before validating the debt.
08/28/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 23831	Web	Older American, Servicemember
RE : Receivables Management System ( XXXX XXXX XXXX XXXX VA # XXXX ) My name is XXXX XXXX XXXX I am XXXX-year-old XXXX woman on SSDI. As of XX/XX/XXXX I resided at XXXX XXXX XXXX. XXXX, VA XXXX ( tele ) XXXX XXXX XXXX ( 1 ) Complaint for Attempts to collect debt not owed. I was a designated user on the primer XXXX XXXX XXXX XXXX XXXX XXXX account : I had no knowledge of any debts owed or unpaid balances until it was posted to my credit report after Mr. XXXX. possible default?? ). However, Receivables Management Systems are currently assessing me interest and fees on a debt which I have not agreed to. ( 2 ) I never received an original notice in XXXX from Receivables Management Systems, or any written notification about a debt owed. I was not afforded the opportunity to dispute a debt nor was I privy to any knowledge that I could, dispute the debt. My first notice was found on derogatory remarks on my credit report two years ago. ( 3 ) Per XXXX Credit report XX/XX/XXXX, the actual date of Birth on collection account was not my own. The incorrect Birthday was XX/XX/XXXX. I have since corrected the wrong birthday in an XXXX complaint. Per the Credit report the maximum, limit ( highest Balance ) on that account debt was {$340.00}. They have disfigured my credit report by stating I owe {$630.00}. Receivable Management Systems collector has used false, deceptive, or misleading representation in connection with the collection by falsely representation on my credit report. The character, amount, of their originators/debtor is in error. Further, as stated 15 USC 1692f 808. Unfair practices ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I have not ever agreed to pay interest or fees to XXXX XXXX or Receivable Management Systems.
02/26/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23832	Web
I am very frustrated with this matter. I have been trying so very hard to have this incorrect account removed from my credit profile. This has been on my credit profile since XX/XX/2017. I have sent an affidavit of truth certifying that this company Receivables Management System is in clear violation of my federally protected consumer rights. They have not supplied me with any supporting documentation showing that in fact this debt is mine. I have not received any supporting documentation from them since XX/XX/2017. I've received no phone calls. And yet, they continue to report this false information to XX/XX/XXXXas well as continue to add finance charges ( 15 USC1692 F ) ( 1 ) I've read the Fair Debt Collection Practices Act, and I realize that as a consumer I have many protected rights. This company has caused a tremendous amount of undo stress, sleepless nights, and extreme anxiety. I've read that it is against the law to publish any information that would be used to create the false belief that I the consumer am a willing participating in the debt collection, which I AM NOT ( 15 USC 1692 j ) Also if you take a look at the document I've provided you will see that the original creditor listed on this collection account is Patient First.. Because my name is not listed as the original creditor they are in fact in violation and have furnished a deceptive form. I feel as if since XX/XX/2017 my reputation has in fact been ruined. This day and age EVERYONE looks at a persons credit report ( Employment, Insurance, Credit Cards, etc ) Receivables Management Systems has not been fair to me. According to the Fair Debt Collection Practices Act : FDCPA 15 USC 1681 it states that our consumer reports are our reputation. Please take a look at my credit report which I have attached. This collection account has been furnished to XX/XX/XXXXand has immensely impacted my credit scoring in a negative way.
01/24/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 23223	Web
As of XX/XX/XXXX a collection account XXXX from receivable management systems appeared on my ( XXXX XXXX ) credit report on behalf of XXXX XXXX. I called and advised that I had not received any mailings from the company regarding this debt ( showing what my health insurance did pay and the remaining amount ) and it should be removed from my credit until I have been given the opportunity to make payment and receive detailed billing show what the charges are, what the insurance company paid and remaining amount. The company indicated it was sent and that if I paid it they can submit a review to have it removed from my credit reporting, while at the same time indicating they dont do a pay and delete. If that is accurate why would I have to pay and then submit a claim to the collection agency to possibly remove, as the phone rep indicated there are no guarantees. Nor could he advise what the criteria would be to have the collection removed from the credit bureau. Since that time I have been alerted three times that the collection account was flagged on my reporting. This took place on XXXX, XXXX and XX/XX/XXXX. I dont believe it is within state or federal law to flag the credit report more than once. I have a paid monitoring service with both XXXX and XXXX and can provide information supporting this. If it is against the law to remove the debt. Then I should have been to allowed time to make payment BEFORE it was applied to the credit bureaus. I should have received proof of debt before I filed an initial claim. If its illegal to remove a debt why did the rep indicate they could but the collection agency has to review it but cant advise what the criteria to remove is? These tactics needs to be investigated. I have spoken with the company but to no avail. I feel as though the practices are not in accordance with state/federal law
06/10/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 23669	Web
Short version. XXXX XXXX is harassing me for a debt that exists due to their error and I was told years ago that it was cleared. In this statement, 'they ' is XXXX XXXX and/or XXXX XXXX unless otherwise specified. All information is to the best of my knowledge. Proof of the company 's failure to properly file with Medicaid is available from Medicaid. Both XXXX and Medicaid have information regarding the incident on file. Back in XXXX, I went to XXXX XXXX for a medical problem related to my XXXX. They incorrectly filed with Medicaid and were initially denied. I spent time on the phone with both XXXX XXXX and Medicaid to fix this. By the time my daughter was born everything was supposedly fixed. Since then I've received mail about the amount and every year I've repeated what they told me in XXXX until they stopped in XXXX. They admitted the debt was covered by Medicaid and by their admission they didn't file with Medicaid until 7 months after. They also did not have the proper date on the filing. This information was repeated at my XXXX visit and I was told, " Just pay it to save time. '' This year ( XXXX ) I went to use their services and was denied because of this supposed debt. So I went through XXXX to try and settle it. Instead I received mail from XXXX XXXX that I needed to stop the dispute and pay them. There was mention of contacting police. The letters felt like a threat and I did not respond because XXXX was clear that all dispute related discussion was to take place through XXXX. Today ( XX/XX/XXXX ) I received a notice that XXXX, without any official correspondence from XXXX XXXX or XXXX XXXX, found in their favor. This doesn't make sense as the only updates I received were that XXXX XXXX had not yet responded. They're trying to make me pay for their mistake and I'd like some help. Thank you for your time.
04/26/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23703	Web
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Receivables Management Systems in XXXX . I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability A ct ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and me dical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please note that withholding the information you received from any medical provider in an attempt to b e HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to a llowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
08/19/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77388	Web
RECEIVABLES MANAGEMENT SYSTEMS was sent three letters via certified mail requesting verification of debt, explained there was no debt and that this is fraudulent if they can not prove such debt. RECEIVABLES MANAGEMENT SYSTEMS was served an affidavit via certified mail on XX/XX/XXXX tracking # XXXX to XXXX XXXX XXXX XXXX, VA XXXX for VALIDATION OF DEBT, to verify amount was not written off and reported as loss and covered as paid by insurance, that they are true holder in due course, and if they could not due such to remove reporting from all 3 major credit bureaus or they would then owe me {$25000.00} for reporting inaccuracies to credit bureaus. RECEIVABLES MANAGEMENT SYSTEMS did nothing and continued to report. An affidavit of notice of dishonor was sent XX/XX/XXXX certified mail no XXXX delivered XX/XX/XXXX stating they are now in my jurisdiction and musts remit payment for fraud and dishonor. No response. Sent a third and final Affidavit of Truth and Consent to judgement on XX/XX/XXXX certified Mail No XXXX delivered XX/XX/XXXX and no no such response. Stated if no response to this third request that they would then in fact agree to default judgement for fraud and agree to debt being invalid and fraudulent. This is a fraudulent company defaming my name and causing harm to me for obtaining credit, homes and much more and have already admitted by silence administratively that I do not owe them anything, there is no such debt nor eviction against my name and that they are trying to commit fraud. A judgement will be filed against them soon and I am filing a complain so they are made aware of this since they have been ignoring all of my written notices and affidavits I have sent to them.
08/15/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 190XX	Web	Older American
XX/XX/2018. on a Friday I went to XXXX XXXX because I was sick. I had a XXXX XXXX, XXXX XXXX and a XXXX XXXX. I waited for hours in the waiting room and was finally put in a consultation room. I waited in the consultation room for another hour and the doctor came in, left and came back. At this time, he told me I didn't have the XXXX and to go home and go to bed. He did not give me any medicine. I was furious. On the following Monday, I went to a XXXX doctor and I had a XXXX XXXX, XXXX, and XXXX and was given several prescriptions. The XXXX doctor couldn't believe that XXXX XXXX didn't give me any medications and he felt the wait caused me to get even sicker. I called XXXX XXXX and told them my story and they did nothing but bill me. When I received the invoice, I again called XXXX XXXX and again nothing but a bill. I decided I was not paying this bill. Unfortuantely, they put the charges in collections. I received calls and notices, I even talked to one of the callers to tell them my story, with no success. This collections notice has now affected my credit rating. I paid the charges last week and was told it could take up to a month to have this removed from my credit report. I was also charged an additional {$30.00} plus dollars for fees which I paid. I really have a problem paying this, but again I need to get it off of my credit report, it is affecting my rating. I have had no late payments on any of my accounts in four years. When I paid this invoice, I spoke with a XXXX XXXX billing person and she said she would pass this information on and someone from XXXX XXXX would be in touch with me, that was a week ago and no one has contacted me.
11/16/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 20715	Web
On XX/XX/XXXX, I received a XXXX XXXX from XXXX XXXX in XXXX, Maryland. I later received a statement from XXXX indicating that I owe {$0.00} to XXXX XXXX for said XXXX. XXXX paid a contracted portion to XXXX XXXX. I also received a statement from XXXX for XXXX indicating that I owe {$0.00} to XXXX XXXX for the same XXXX. XXXX XXXX XXXX paid their contracted portion to XXXX XXXX. In early XXXX I started getting statements from XXXX XXXX, saying that I owed them money -- approximately {$59.00}. In response, I MAILED, in hard copy format, the two statements ( from XXXX and XXXX XXXX XXXX XXXX stating that I owe {$0.00}. I continued to get bills from XXXX XXXX. I then called XXXX and explained the problem. They stated that they were going to send a letter to XXXX XXXX informing them that they are in violation of their contract. Shortly after, I received a letter from XXXX stating that I am not liable for the charges. I then received a letter from the collection agency, Receivables Management Systems. I immediately called and left a voicemail for a dispute resolution specialist. Days later she returned my call and said that she would call XXXX XXXX. Then I received another letter from the collection agency saying that I was going to be reported to the Credit Bureaus. I called AGAIN, spoke to a different dispute resolution person. She would not listen to me. She only believes what XXXX XXXX sent to them -- which is false and in error. Clearly, I owe nothing. I have PROOF that I owe nothing. The collection agency sent me an additional letter stating that I claimed identify theft. I never said such a thing!!
02/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75154	Web	Servicemember
Debt validation sent to company certified and received by company XX/XX/2019 validation requested per Texas Finance Code. Company did not provide proper validation- as of XX/XX/2019. Informed company that they have failed to validate this debt and that Ive given them more than alloted time per Texas State Law to validate this dispute. Today I contacted the original creditor and paid the balance in full. The original company stated that since the balance has been paid in full and the collection agency failed to validate the date the account needed to be sent back to them and that they needed to delete the tradeline. As I was unable to obtain any information pertaining the debt from the collection agency or legality of the account I went to the original creditor. Spoke with several representatives today that kept trying to trying me to single dispute representative. That has been unavailable now for 3 days- XXXX XXXX . Ive also left messages for the manager XXXX XXXX with no response. This company has been still reporting this account even after failing to validate it per the Texas Finance Code. The 3 major credit bureaus have verified this account despite the collection agency verifying this debt properly to me. I have tried several times reaching out to this company while they have repeatedly given me the run around on an account that they have not legally validated and is paid. Amount paid in full to original creditor- {$120.00} XX/XX/19 Confirmation # XXXX I want this collection account REMOVED from my credit reports immediately for failure to validate debt properly within the time frame.
05/17/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 195XX	Web
Adding fees to dept without the proper " Expressed '' signed financial policy of the Client they represent, along with deceptive and misleading documentation. The agency, Receivables Management Systems letter sta tes one thing and the Itemized bill from their clients states another. The FDCPA and FTC states that a debt collector may attempt to collect a fee or charge in addition to the debt if the charge is " expressly '' provid ed for in the contract creating the dept and the charge is NOT prohibited by state law. Their Client where the services took place is located in PA as well as myself. The state of PA the law states that in order to charge any fees, it must be expressed as to how much the consumer will be charged, their Financial Policy does n ot. I requested an Itemized copy of the bill as well, the bill does not have these fees itemized. The collection letter from the company states one amount and the itemized bill states another amount. The letter from RMS states " Other charges ''. Under the FDCPA it is unfair to consumers to hide the true character of the debt, there by impairing their ability to knowledgeably assess the validity of the debt. Therefor they did not comply with the FDCPA 807 & 808 which would be to itemize the various charges that comprise the total amount of the debt. It is the duty of the collection agency , RMS, to be aware and understand their clients Financial Policy when it comes to adding fees to debts. In this case the Financial Policy not " expressed '', and the itemized bill and letter are misleading and deceptive. Thank you, XXXX XXXX
03/03/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 17356	Web
Received a notice from debt collection agency on XX/XX/XXXX, XXXX which was dated XX/XX/2020. I immediately responded to the notice requesting validation of the debt, for which I have documentation they received on XX/XX/2020. I did not receive a response and on XX/XX/2020 I ran my credit report and discovered that on XX/XX/2020 the debt collector had reported this item on my credit report ( s ) although they had received a letter to validate the debt prior to this reporting which they had failed to respond too. i disputed this with the credit bureaus for which they had reported explaining the no response to the validation of debt letter. XXXX immediately removed this account from my report. At this point XXXX had not yet received their dispute in the mail. In XXXX, I received a letter from the collection agency dated XX/XX/2020 stating that although they had no obligation to do so that they were providing the validation of the debt. Which was not a complete method od verification. They provided a typed letter of the amount they claimed to be owed by the dispute supervisor, as well as a bill ledger, They did not provide a document bearing my signature, the contract between them and the original creditor, their license to do business in my state, or proof the debt owed is within statue of limitations for my state. At this point XXXX states that the account was verified by the collection to be correct and has it to remain on my credit report. This should have never been placed on my credit report as I made contact with this agency prior to and they did not provide validation of this debt,
03/24/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30253	Web
XXXX issues : 1. Agency refuses to validate the debt with me, even after a phone call and two letters. They did not validate the debt but, instead, updated my credit files with derogatory entries. 2. They have changed the balance amount AFTER I filed two more disputes, and a complaint, in XXXX 2015. I have seen {$160.00}, {$300.00}, and {$310.00}. Is this even LEGAL? How is a company allowed to report information and not send the required information, when requested? Clearly, I did not get any notification from them as I had relocated to another state BEFORE they even took over the case. Therefore, I was not served the papers to verify if that debt was mine. 3. They claimed they sent me a certified letter after filing the first FTC complaint. Not true at all. They never sent a single piece of paper to me, showing a complete breakdown of the amount. 4. If they are including an additional fee in the amount, that 's up for dispute, as well. I never entered into any agreement with them for their services. Therefore, I disagree with any fees included in the amount. XXXX and XXXX investigated and removed this debt from both of my credit files. On XXXX XXXX, 2015, I filed another dispute with XXXX, due to the above information. Bottom line : the legalities of them being able to change the amount owed needs to be investigated, as well as not providing me with full verification of the debt. I also requested their licensing and legal status for doing business in the state of Georgia. See the attached letter for additional information requested, regarding this.
11/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22192	Web
In XX/XX/2020 I suddenly got a collections notification for around {$400.00} from some company named Receivables Management Systems. I looked online for the company as I had no idea about this charge being out there. Website : XXXX XXXX XXXX. They are located at XXXX XXXX XXXX, XXXX, VA XXXX. Phone number : XXXX. I first tried to call in XXXX of that year after still not knowing where it came from. I would call with no answer for a couple months and then just a cracking line and someone yelling hello on the other end. When I finally spoke with someone they stated it was from a trip to XXXX XXXX. I called XXXX XXXX to get more information regarding this claim. They did inform me it was a charge for my daughter nearly a year and a half prior ( We have lived in the same location this whole time ). I then tried to get ahold of Receivables Management to rectify the situation. The woman kept repeating " Are you paying in full today? '' No matter what I asked. In the end we both were screaming into our phones. I then called XXXX XXXX to see if they could help but they're financial department could do nothing now it was with the collection agency. I have verification my daughter was covered by XXXX at the time. I have never seen a letter in the mail from these people. They don't even call. It just appeared on my report and will not go away. I highly recommend at least transferring my debt to another company I can actually speak with. If it were my bill and I knew about it long ago I would have just paid.
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 77064	Web
Receivables Systems XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023 Re : Account Number XXXX To Whom It May Concern, I am writing this in response to your recent correspondence related to account number XXXX I accept no responsibility for ownership of this debt ; however, Im willing to compromise. I can offer a settlement amount in exchange for your written agreement to the following terms : You agree to accept this payment as satisfying the debt in full ( once you receive the agreed-upon amount ). You agree to not list this debt as a paid collection or settled account. You agree to completely remove any and all references to this account from the credit reporting agencies ( XXXX, XXXX and XXXX ) that you have reported to and validated this account. I am willing to pay the XXXX as settlement for this debt in exchange for your agreement to the above terms within fifteen calendar days of receipt of payment. Understand that this is not a promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. Should you accept, please send a signed agreement with the aforementioned terms from an authorized representative on your company letterhead. Once I receive this, I will pay XXXX via cashiers check/money order. If I do not receive your response to this offer within fifteen calendar days, I will rescind this offer and it will no longer be valid. I look forward to resolving this matter quickly. Sincerely, XXXX XXXX
03/22/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 22485	Web
During a medicial visit in XX/XX/XXXX an incorrect address was entered into my patient information. Several months later in XX/XX/XXXX after learning that there was an issue with my payment I contacted the medical office inquiring about my bill. After learning that my bill was 60 days past due but I had not received any statements I notified them of the correct address and requested an invoice be sent immediately. I was informed that the account status would be placed on hold and a management representative would contact me. In XX/XX/XXXX I contacted the medical office again informing them that no contact was made from their office via mail or phone call. I was informed that the debt had been sent to a collector and transferred to this collector. I again varified my correct address with the collector and requested a notice of debt in order to dispute. The notice of debt was never sent and no attempts at contact were made from this collector via phone call or mail. In XX/XX/XXXX after attempting to dispute the debt on my credit report I received a letter from the collector stating that my debt would not be removed and was found to be valid since I forfitted my right to dispute. I contacted the collector and informed them that I had requested a notice of debt one year prior and provided a correct address and was never sent a notice. The representative verified the documented phone call and acknowledged my request and also acknwledged their failure to provide notice.
04/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23454	Web	Servicemember
In XX/XX/XXXX, a check was mailed directly to XXXX XXXX. Check # XXXX was dated XXXX and someone from XXXX XXXX wrote on the check XX/XX/XXXX XXXX. [ Please see highlighted & attached ]. The check then cleared on XX/XX/XXXX [ Please see highlighted & attached ]. However, on XX/XX/XXXX when I called RMS [ stated they collected for XXXX XXXX ] after them appearing on my credit & affecting my credit score [ please see attached & highlighted ], they stated that they had no payment from me and that a check had bounced in XXXX. Despite the check bouncing, another check in the same amount was sent directly to XXXX XXXX and cleared in XXXX of XXXX. RMS stated they would talk with XXXX XXXX and circle back to me despite me sending in all the proof. I also called XXXX XXXX directly and you all claim to have neither receipt of this check nor any idea of what I am talking about. I sent in proof and was told someone would get back with me. We are now a week later and no one has taken the time to get back to me, yet they swiftly affected my credit. Today in the mail I receive a letter from RMS stating I owe a debt of {$57.00} from XXXX. How, when I paid {$94.00} and it cleared in XXXX? Furthermore despite the check clearing XX/XX/XXXX, RMS placed this bad debt on my credit report on XX/XX/XXXX. To date, no one has returned my calls or responded to any letters that have been sent. Please advise
02/26/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 238XX	Web	Older American
- Never received written validation notice from XXXX XXXX XXXX ( XXXX ). - XX/XX/XXXX_ Received a text and email from my credit monitoring company that there had been a change on my credit report. I checked online and XXXX had placed a collection notice. I called XXXX and they informed me that XXXX XXXX XXXX XXXX ( XXXX ) had contracted them for the debt collection. - XX/XX/XXXX_ after several voice mails, I was able to talk to XXXX in the billing dept. at XXXX. Was told they had sent a monthly bill and after 9 months sent my account to XXXX. I never received a bill from XXXX and my address, email, and phone number had not changed since the original visit to XXXX. Still no written validation from XXXX since I contacted them 11 days ago. I called XXXX and they told me that my address given to them from XXXX was for XXXX, VA which is not correct. I went ahead and paid the debt over the phone thinking the collection notice would be immediately removed. - XX/XX/XXXX_ called XXXX and asked that they send me all the information that they had in my file. Still have not received the required written validation notice, have not received written confirmation on my payment and that it was for my acct. at XXXX, and collection notice is still visible on XXXX web site. XXXX never notified/contacted me before placing a collection notice on my credit report which will not be deleted for 7 years.
05/07/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 21042	Web	Servicemember
I have been making payments toward this debt for over a year. This debt collector adds interest to my account weekly, reports it to my credit weekly. Essentially, this debt can never be paid off, because everytime I make a payment, they add " interest '' to the account in the amount of the debt. I have paid over XXXX toward the XXXX debt, but now they are telling me my balance is XXXX. I asked for a copy of my statement showing payments applied as well as the interest applied and I am continually told that they have to talk to a supervisor to see if that's something that they can do. Even with the interest rate they told me of 18 %, it would be impossible for my balance today to be XXXX from an original debt of XXXX with the payments i've made. Today, XXXX after leaving several voicemails and then calling and refusing to be sent to voicemail, I spoke with Ms. XXXX. I asked her ( 1 ) for my balance - was advised it is XXXX ( 2 ) for the interest rate - was told it is 18 % ( 3 ) why it is being compounded and reported weekly - was advised she wasn't aware of that ( 4 ) for a copy of my payment history and statement - was advised she'd have to speak to a manager to see if they can provide that. She advised she was not able to provide help as to the interest even after I pointed out that this would not allow me to ever pay it off, if the payments are then added back as " interest ''
02/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22315	Web
Receivables Management Systems keeps reporting a collection of debt that I have disputed since they started reporting it to both XXXX and XXXX. They are stating that the original amount of the debt is {$93.00} from a XX/XX/XXXX visit to XXXX XXXX. When receiving care from XXXX XXXX, one can not receive care without first paying for the service. Any further billing beyond the visit would be the responsibility of the insurance company to pay -- which at the time was XXXX XXXX. Any services rendered at a visit to XXXX XXXX would have been fully paid to receive the service. Receivables Management Systems has been completely incompetent since I finally reached out to them by telephone in XX/XX/XXXX. Each follow-up call I make they have indicated that the account is being " researched '' since it it being disputed, and I get put through to a voicemail for a person named XXXX XXXX. This was their response again today, XX/XX/XXXX as well as a refusal to put me through to any actual person who could help me. As they have continued to drag their feet looking into it for the last 6 months they have continued to report it to the bureaus. The amount of this debt also continues to grow with interest being tacked on and now sits at {$200.00}. I am reaching out because I seem to be getting nowhere with resolving this issue which continues to denigrate my credit score and continues to get worse.
09/10/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 22315	Web
Receivables Management Systems keeps reporting a collection of debt that I have disputed since they started reporting it to XXXX. They are stating that the original amount of the debt is {$69.00} from a XX/XX/XXXX visit to XXXX XXXX. When receiving care from XXXX XXXX, one can not receive care without first paying for the service. Any further billing beyond the visit would be the responsibility of the insurance company to pay -- which at the time was XXXX XXXX. Any services rendered at a visit to XXXX XXXX would have been fully paid to receive the service. Receivables Management Systems has been completely incompetent since I finally reached out to them by telephone in XX/XX/XXXX. Each follow-up call I make they have indicated that the account is being " researched '' since it it being disputed, and I get put through to a voicemail for a person named XXXX XXXX. This was their response again today, XX/XX/XXXX as well as a refusal to put me through to any actual person who could help me. As they have continued to drag their feet looking into it for the last 6 months they have continued to report it to XXXX. The amount of this debt also continues to grow with interest being tacked on and now sits at {$160.00}. I am reaching out because I seem to be getting nowhere with resolving this issue which continues to denigrate my credit score and continues to get worse.
10/22/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 23831	Web
I was contacted by XXXX XXXX XXXX in XX/XX/XXXX and was advised I owed a balance of {$940.00} due to a patient first bill when I was sick and ended up going to the hospital back in XX/XX/XXXX. They original bill was only {$720.00}, I agreed to pay this amount only and asked for a settlement. They offered a settlement of {$850.00}, I advised I was unable to pay this much and that I only want to pay they bill I owe. I was told I signed some " contract '' that I do not recall signing as I was INCREDIBLY ILL at the time and they are using this to get extra fee 's and charges out of me. I only owe my doctor bill and that is all I will pay. I recently call back in XX/XX/XXXX as it was hitting my credit showing the balance was increasing. I asked for a settlement for the {$720.00} and was turned down. They advised me I could pay the {$850.00} settlement right then and there or they will not settle. I could not even get a few days to get the money. Currently there is a balance of {$320.00} owed and I refuse to pay anything higher then the bill amount. I never received a letter stating anything I owe, I received a phone call. Nothing in writing ever!! It is against the law to make someone pay a debt larger then the bill amount. I will pay the doctor bill owed and that is it. I should only owe {$120.00} as I paid {$600.00} in XX/XX/XXXX for the bill of {$720.00}.
05/25/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21218	Web
I was XXXX from XXXX XXXX until XXXX XXXX. During that time, a relative used my personal information to obtain credit, goods and services in my name. There have been car loans, bank accounts and not so successful attempts to get a mortgage. I have been pretty successful in providing documentation to creditors and debt collectors listed on my credit bureaus and subsequently having the negative information removed. Except the following two companies. Receivables Management Systems Account Number : XXXX This company is collecting for XXXX XXXX, a express medical facility. I have been able to provide significant information that proves that this debt was not incurred by me. I provided all of my records from the XXXX XXXX XXXX here in Maryland which lists the date I began my XXXX to the day that I was released. Since XXXX, I have left voice messages for a supervisor named XXXX, who never seems to be available when I call him. I have had better luck speaking with a representative named XXXX XXXX, but even then she is limited in what information she can provide. When I last spoke with her on XXXX XXXX, she told me that the agency was waiting to find out from XXXX XXXX if I was serviced there as an XXXX - which I certainly would not be. I left another message for XXXX XXXX yesterday, after waiting a full two weeks and I still have not heard anything back.
11/01/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 21237	Web
On XX/XX/2019 I sent a notarized letter to the credit bureau called XXXX via certified mail. The letter requested the physical verification of two particular debts in accordance with my rights and laws under the FCRA. The letter was delivered to XXXX on XX/XX/2019. In response to my letters, I received a letter from XXXX dated XX/XX/2019 stating that both of these accounts have been verified as accurate. I received two letters from the collection company - Receivables Management Systems, both dated XX/XX/2019 trying to collect a balance on both of the accounts. The only way for XXXX to have verified these accounts with Receivable Management Systems would have been for them to have sent my personal medical records that are protected by HIPAA laws to XXXX. If that is the case - this is a huge violation of the laws and require very large fines against Receivables Management Systems. For Receivables Management Systems to have my personal medical history related to the accounts would be a huge violation of the laws and require very large fines again. In accordance with FCRA and HIPAA laws, either these debts can not be verified and need to be removed from my credit report immediately or they need to be investigated for sharing my personal medical history. At no time did I contest or dispute the debts and accounts in question.
07/10/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 20770	Web
Receivable management is falsely reporting a debt not owed on behalf of XXXX XXXX! In addition they are attempting to re-age the account on my credit report by increasing and decreasing the balance by {$1.00} multiple times a month. As a result, it updates the last activity and appears that this Is an open account instead of a charged off collection. This is against the law especially because theyve failed to validate the account and give me the right to dispute. Ive attached proof of their practices. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. My rights dictate my ability to obtain this information and until it is properly and factually updated, cease reporting to all credit bureaus and delete this account from XXXX upon receipt of this complaint. Failure to do so Will result in legal action against your company for its predatory collection processes. A debt collector can not charge interest or fees that weren't defined in original contract. ... That's a rule specifically defined in the Fair Debt Collection Practices Act ( FDCPA ). So, if this contract didn't include a late fee, then a collector can't tack one on.
04/20/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	PA 195XX	Web
The XXXX XXXX organization sent my account to a collection company, Receivables Management of XXXX VA, without billing us directly. My family of XXXX has lots of XXXX medical issues in the course of a year, and in every case, we always pay our bill immediately, or in exceptional cases make arrangements to pay extremely large bills over a series of installments. We have a high deductible medical insurance plan, and routinely we pay over {$6000.00} in medical costs until the deductible is met, and when the deductible is met, our insurance faithfully covers the remainder. We use our local XXXX XXXX 6 or 7 times a year, at least until now, and we have never had any issues, and our credit reports demonstrates that we do n't have issues with anyone else. We first became aware that XXXX had sent a balance to collections with Receivables Management of XXXX VA XX/XX/2016 when my daughter required medical care. Naturally, as soon as we were informed that anything was outstanding, we paid the bill in full immediately at the front desk of XXXX XXXX. We contacted the credit bureaus about the matter, and naturally the erroneous information was " confirmed ''. This is an abusive practice and I can not fathom what business purpose it serves to take ordinary receivable matters in turn them into inappropriate collection practices.
12/17/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 08081	Web
I XXXX XXXX, Hereby state the truth concerning this matter involving the following Reivable Management Systems, XXXX XXXX, and XXXX credit bureau .On XX/XX/16, I was an patient at XXXX XXXX medical facility of XXXX , New Jersey XXXX XXXX XXXX XXXX.I have healthcare insurance which paid the majority of the bill, I was asked too pay XXXX co pay on my way out, as well as purchase my perscriptions I was force to buy from XXXX XXXX after countlessly explaining I have a perscription plan within my healthcare plan that was more economical than what they were imposing on me.I have receipts for all the services rendered that day.I left knowing everything was taken care of, Until i checked my credit and noticed a collections from Receivable Management Services in the amount of XXXX.I contacted RMS to verify the debt in question acct. # XXXX, RMS responded with a letter with inaccurate information. I have no contract with RMS nor am I confident they are license to conduct business in New Jersey State.XXXX XXXX claimed i owed an additional XXXX after i paid everything they asked of me that day.My insurance paid and I paid CASE CLOSE. No now this is on my XXXX credit report a mere XXXX dollars that i do not OWE.Not only is it on my credit ruining opportunities for a mortgage, car loan, etc.ITS XXXX NO its XXXX dollars.
01/20/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 207XX	Web
I am asking the CFPB to review the chain of responses that Receivables Management has given concerning this issue and review my complaint of their violation of the FDCPA. They have continued to violate the FCRA and FDCPA. Please review my attachment and then audit and investigate the operational process of this company as they have refused to adhere to the FDCPA laws as they continue to attempt to collect a debt i do not owe after FDCPA violations. In the confirmation letter stating they had received my dispute and that they were placing the account in dispute status while the wait on information from the supposed original creditor. Now this agency despite claiming to put the account in a dispute status continued to update my credit file without providing any validation of debt ( Violation of both FCRA and FDCPA ). Secondly at the bottom of their Confirmation Letter to me they had the statement " This is an Attempt to collect a debt '' ( a violation of the FCRA and FDCPA ), Once an account is in dispute a collection agency is to cease collection activities. Please review attachment carefully. By law, this agency is to delete this account from my credit file immediately. If not deleted they are liable to all penalties of FDCPA violations and legal actions from myself and the CFPB.
10/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 152XX	Web	Servicemember
After making several attempts, This company still has failed to produce any and all contracts that I have signed with them showing that I gave them permission to collect from me and that they have a right to report late payments and debt increases to my credit report weekly and monthly. If they purchased this debt, provide the chain of title proof that they purchased this debt. I have yet to receive anything with this information and yet they are still placing negative information on my credit report every week and sometimes every 2 days. Additionally, This company sent a bill from another medical facility with personal medical information on it which is in direct violation of XXXX. At this point This company is knowingly harming my character and reputation and should be held liable for what they are doing. I do not owe this company I have never signed anything with this company and I dont know who they are. They continue to report late payments to my credit profile harming my life and the lives of my family. This is criminal and in DIRECT violation of SEVERAL FDCPA laws. Receivable Management company can not produce any contract because they do not have one. I am AGAIN making this complaint and demanding that this information be deleted from my CREDIT profile IMMEDIATELY.
10/23/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	VA 225XX	Web	Servicemember
Date of service was XX/XX/XXXX with XXXX XXXX. My primary insurance is XXXX, secondary insurance is XXXX. I received numerous bills from XXXX XXXX which I responded to immediately. I sent them the explanation of benefits from my secondary insurance stating that my patient responsibility was {$0.00} but they continued to bill me. I tried numerous times to contact their office during posted business hours but they were closed. Finally on XX/XX/XXXX, I spoke with someone in XXXX XXXX billing office. I was told that XXXX XXXX did not accept the contractual write off from my secondary insurance because my primary insurance did not have a contractual write off. This information was false according to XXXX XXXX an XXXX representative through Human Resources where I am employed. She spoke to XXXX XXXX on XX/XX/XXXX and was told I have a XXXX balance. However, XXXX XXXX had already turned this bill in to a collection agency who in turn sent a notice to the Credit Bureau. I have very good credit and I was being bullied into paying XXXX XXXX money that I did not owe them. It is not fair to me to have this incident on my credit report and I would like to make sure this reporting is removed from my record. Someone should also investigate the billing practices of XXXX XXXX.
08/21/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 191XX	Web	Older American, Servicemember
In XXXX, XXXX, I received a second bill from XXXX XXXX for a visit in XXXX, XXXX for which I had paid at the time with my check card. In the interim, my credit union had voided my card and issued a new card due to a potential problem with card numbers being stolen. I NEVER received a first bill from XXXX XXXX. I had no idea there was a problem with the payment. I immediately paid the amount owed via their online payment service, XX/XX/XXXX. Approximately 2 weeks later, I received a bill from a collection agency, Receivables Management SystemsXXXX XXXX XXXX XXXX, XXXX, VA. I called this company and informed their representative that the bill in question had been paid by me. The representative confirmed this, but indicated that the collection would nonetheless stay open. On XX/XX/XXXX, I received another notice from Receivables Management Systems threatening to turn information over to credit reporting agencies. This, despite the fact that they had previously confirmed that the original bill was paid by me. This is pure harassment. The fault lies with XXXX XXXX for not informing me of the billing problem, and secondly with Receivables Management for continuing to contact me over a bill which they confirmed had already been paid.
03/21/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23454	Web
Receivable management systems have been trying to collect A {$470.00} debt from patient first from four years ago maybe like 4 1/2 years ago they have been destroying my credit they have been reporting two times a week instead of once a month as they should this is ridiculous at this point Id rather them take me to court and try to sue me for it because if I show the judge what they doing is illegal I have tried to dispute it Ive asked them to remove it its past the time it should be on my credit they dont care they do what they want to do I feel hopeless and I really need the debt removed off my credit What happened is I felt stick at work for years ago I went to the doctors at XXXX XXXX they check your insurance to see if its active it was going to expire two days after that visit they said it was accurate the doctor saw me they must have tried to charge the insurance After the two day market and because that is expired and they couldnt get their money this is not my fault and they have been harassing me And now the law has changed They cant put any days on your credit thats less than {$500.00} they recently reported on my credit and up the balance Please resolve this I rather spend {$470.00} on a lawyer than them
02/01/2017	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	LA 70791	Web
XXXX threatened to charge mt father with identity theft and stealing my identity because he sent back a bill that had my name on it, as well as my father since I am the XXXX. I told them that I was the XXXX after they hit my credit without contact me and I had to contact them for there to be any answers or contact. Beyond that, the lady was extremely, threatening to have my father brought up on charges, calling me a liar and so on. This place is non- descript and they give you as little info as possible about who they are or what you " owe ''. XXXX said that they do not purchase debt, which I 'm almost certain is a lie and initially no one would even say where it was that I was calling, all the while asking me for personal information. In addition, I called several times and they could n't find me in the system because I am XXXX and they had XXXX ( my father ) and XXXX ( not me ) in the system. They 've now hit my credit due to their poor operation and I had no idea until I checked my credit reports and found out. From there on out XXXX has been rude and not at all trying to help me make that payment but instead chiding me, lying to me, providing a little info as possible, and asking for all my personal info.
10/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 152XX	Web	Servicemember
This company is purposely using stall tactics so that they do not have to remove this information from my credit profile. I have already been harmed for quite a while from them as a consumer and as a citizen. They never sent me any information and continue to blatantly act as though they can not find my account. If you can not find my account, REMOVE this information and stop reporting to the credit bureaus effective immediately. I have repeatedly asked this company Receivables Management to provide the contract that I have signed with this company. I do not owe this debt that they have placed on my credit profile. The debt looks like it had an original balance of XXXX dollars to date the debt is well over XXXX dollars and increasing every week! Receivables Management is hitting my credit profile each week with negative information and increasing the debt XXXX dollars every week. This is illegal and is a direct violation of my rights as a consumer. This company is violating several FDCPA laws and refusing to uphold and operate ethically. Furthermore, I am not responsible for this debt. I am demanding that Receivables Management delete this account from my credit profile immediately as I do not owe this debt.
10/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20772	Web
To whom it may concern, Recently checked my credit reports and realized your agency and this debt collector is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. And 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. I never read any medical care from this company. This debt does NOT belong to me as well.
12/06/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA XXXXX	Web	Servicemember
XXXX XXXX charged me {$320.00} on XX/XX/XXXX and {$91.00} on XX/XX/XXXXXXXX XXXX XXXX set the wrong insurance ( XXXX XXXX XXXXXXXX ) and never contacted me for the correct insurance XXXX XXXX XXXX XXXX XXXX XXXX ) or with a bill via phone, mail, or email. XXXX XXXX sold the debt in XXXX to Receivable Management Systems. Receivable Management Systems never sent me a letter to the address provided to them by XXXX XXXX. I have never received documentation from Receivable Management Systems, even after requesting it once I checked my credit and saw the collections account. I called XX/XX/XXXX and was told the account has been accruing interest since XXXX, and the amount owed is {$900.00}. I was unaware of this collection account, and Receivable Management Systems never reached out to me and has an address on file they pulled from some unknown source. Receivable Management Systems have never reached out to the address they have on file. Receivable Management Systems XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Toll-Free Hours of operation : Mon. XXXXXXXX XXXX XXXX XXXX XXXX Friday XXXXXXXX XXXX XXXX XXXX Saturday XXXXXXXX XXXX XXXX XXXX
07/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27909	Web	Servicemember
Receivable management systems a third party collections agency account number XXXX is reporting inaccurate data violating 15 USC 1692F section 808. Unfair practices by reporting the following to XXXX and XXXX : fees charged 3 to 4 times a month and a past due balance higher than the amount owed. According to the FCRA and the FDCPA 15 USC 1692F section 808 Unfair Practices : a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The following conduct is a violation of this section : The collection of any amount including any interest, fee, charge, or expense incidental to the principal obligation. This account was opened XX/XX/2017 by receivable management systems. I am an XXXX XXXX service member and they failed to report the medical visit under the proper insurance accounting code. The original balance was {$320.00} and over the last 5 years I have been trying to dispute this matter. The collections company continues to report fees to XXXX and XXXX multiple times a month. The amount now due is {$770.00}. I would like for this item to be removed from my credit reports. Thank you for your assistance in this matter.
02/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75216	Web
Receivables Management Systems is violating my federally protected rights as a consumer. They have also violated many laws according to FDCPA. I have attached exhibits as proof of these violations. I do not know who these people are. The first letter looks like an edited document so this could come from anyone. In the same letter, Receivables Management Systems makes it seem as if they have some authority regarding identity theft when they do not. I do not know these people. I have made my report with the proper entities in regards to identity theft and provided each credit reporting agency the necessary documents needed for a consumer reporting agency to block information. Who are they to ask me for additional information that is not required under federal law? These letters do not prove that I owe an alleged debt nor does it show that I ever done business with them. How does an application for insurance validate or even verify an alleged debt? How is it possible for an insurance company extend credit? This makes no sense and clearly is an unlawful practice to collect a debt on something I do not owe. This needs to be removed an deleted immediately.
10/28/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 212XX	Web
I have contacted this company on 3 different occasions and they are being grossly negligent. I have requested that they provide me with sufficient information according to policies and consent form that they provided me with. This company continually states I owe for a medical bill in the amount of {$300.00} for date of service XXXX/XXXX/12 for an alleged Patient First Visit. This company provided me a policy that stated I would be responsible for any remaining balance that the insurance did not cover. To the best of my knowledge my insurance did and would have covered any medical visits that I attended within policy benefits of course. I requested that this company provide me with the denial they received from the insurance company that would then allow them to pass this balance on to me as stated in the consent to treat from they provided to date they have not! The consent to treat from does NOT state that I would have to pay a balance if the insurance did not pay more than the billed amount and only paid the customary. I am not sure of this balance and this company has done absolutely nothing to help me resolve this matter!
11/12/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 23435	Web
XX/XX/XXXX I made payment arrangements with XXXX XXXX to debit my account the balance I owed them, they received payment XX/XX/XXXX, XX/XX/XXXX and one that is set to come out in 3 days for the final payment of {$23.00}. On XX/XX/2019 Dated XX/XX/2019 I received a let from Receivables Management systems that I owed them {$46.00}, I called and spoke to someone at XXXX XXXX and told them that they sent me a notification that was wrong, and he tried defending the case and I explained that XXXX XXXX had already received most of this debt and he continued to say that I needed to pay this amount and I responded back that the info was XXXX and he continued to say if I did not pay this amount that his company would continue to charge me fees daily until I paid them and then he hung up on me!!!! I called XXXX XXXX and explained to the lady in billing what had just happened with them and currently on hold for her to clear this up. In the meantime I would like this company reprimanded for the wrong billings amount, and being being rude and making the comment that I would continue to be charged daily fees and hanging up on a customer.
01/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23701	Web
on XX/XX/2022 I called XXXX concerned about an inaccurate account that I had already gotten removed. Account number # # # # # # # # # # # # # XXXX from receivable managements systems was reported on my consumer report on XX/XX/2022 after I had gotten it removed in XX/XX/2022 ; I did not receive any notification of the entry of this negative collection, any validation of debt, verification of debt from XXXX nor Receivable management Systems. While I was on the phone with an XXXX XXXX, I informed her that I already called Receivable Man Sys and requested verification of debt and Validation of debt I did NOT receive any information for either. I then asked her what information did XXXX obtain to verify the debt and the Rep aid she did not see anything there, even though the account has been disputed before and XXXX allegedly completed an investigation but does not have any documentation regarding the debt. XXXX and receivable management systems violated my consumer RIGHTS and I want the accounts removed to fine both parties {$1000.00} USD each for violations of my consumer rights, failing to protect me as a consumer.
02/08/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 21133	Web
I submitted a letter to the three credit bureaus regarding the erroneous and inaccurate account last fall. I do not recall having a visit with XXXX XXXX nor do I understand if I did why I would owe accrued late fees of {$130.00} and a collection fee of {$81.00}. The notice that I received from Receivables Management Systems appears to be predatory and a violation of the Fair Debt Collections Practice Act. According to 15 USC 1692g, 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I have yet to receive an actual agreement outlining these fines and assurance that this debt is indeed mine. When requesting validation I received a constructed letter from Receivables Management Systems.
09/09/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23834	Web
On XX/XX/XXXX i sent by certified mail to Receivables Management Systems a letter to validate a debt they have been reporting on my Credit Report Since XXXX. They failed to respond to me at all. On XX/XX/XXXX, a dispute was started with XXXX, they quickly verified this account with XXXX and continue to damage my credit with this unvalidated information. On XX/XX/XXXX Received a letter from RMS SAYING THEY NEEDED TIME TO VALIDATE THE ACCOUNT BY REACHING OUT TO THE ORINGINAL CREDITOR, ON XX/XX/XXXX I CALLED RMS AT XXXX A.M TO DISCUSS THIS, RMS CONFIRMED ON THE PHONE TO ME THEY COULD NOT VALIDATE THE ACCOUNT, BUT STILL REPORT THIS HARMFUL INFORMATION ON MY CREDIT ACCOUNTS. I SHOULD NOT HAVE TO CONTINUE TO SUFFER ANY LONGER BECAUSE OF THEIR FALSE REPORTING PRACTICES. I REQUEST THE NEGATIVE ACCOUNT BE REMOVED DELETED FROM ALL CREDIT BUREAS IMMEDIATELY. ALSO THEY SHOULD BE FINED AND I AM REWARDED MONETARY DAMAGES. RMS ALSO LIED AND SAID THEY DID NOT RECEIVE MY ORINGINAL XX/XX/XXXX REQUEST BUT IT WAS SIGNED FOR BY THEM. THEY ONLY RESPONDED TO THE XXXX DISPUTE ON XX/XX/XXXX.
03/15/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	DC 20020	Web
i have an acocunts from XXXX that were sent to RMS as a result of not initially sending bills to my health insurance carrier. i spoke with XXXX at XXXX on XX/XX/2017 and verified that i have had balances sent to a collections agency for bills that were not sent to my insurance carrier in error. she assured me that the bills in question for XXXX dates of service ( XXXX and XXXX ) would be sent to my health insurance and the accounts would be removed from collections. to date this has not happened. i have paid XXXX, XXXX, and XXXX in access. RMS currently reports a bill for XXXX ( XXXX submitted to my health insurance XX/XX/2017 and has been paid ). there are XXXX dollar fees and interest tagged onto all collections balances. i want a full refund for all clerical errors. today ( XX/XX/2017 ) i spoke with XXXX ( a supervisor ) and XXXX at this point they have resubmitted the claims correctly to my health insurance. i want all of my money back including the fees and interest from RMS. i also want all balances take off of my credit report ( XXXX and XXXX )
12/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	DC 20020	Web
My son and I both go to XXXX as regular patients. We both are under my health insurance. I am a federal government employee with excellent health benefits. I keep receiving harassing calls from receivable management in XXXX Virginia saying that I owe bills to XXXX. I went onsite and while at XXXX I was told I do not have a balance nor do I owe a bill. XXXX does not allow patients to be seen if a balance is owed. I received a notification on my credit report stating that XXXX is being reported by receivable management I was very upset but because I 'm going through security clearance I paid it. I need this investigated because they clearly are n't sending bills to my insurance company and there is a disconnect I 'm not receiving bills and I do n't owe any I received another call today for XXXX from this receivable management this is fraudlent and becaus inpaid the first bill they are trying again. This needs to be deleted from my report I was told if I pay it and request in writing the XXXX would be deleted and it has n't now they are asking for XXXX
08/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19401	Web
I disputed an account on my Credit report through XXXX for company Receivables management Account Number XXXX. XXXX did their research and Receivable management DELETED ths account from my XXXX report see attached corrected credit report from XXXX. However Receivable management still is reporting on my XXXX and XXXX credit reports which is hindering my selling my home and getting a approved for a new mortgage. I have contacted the office directly and received correspondence from XXXX XXXX and XXXX XXXX advising they have been trying to contact me and the debt was VALID this is false they have NOT been trying to contact me and the debt was not valid it was disputed after I paid this bill at time of service. How can they delete from one credit report and now still report on the remaining two. I am very frustrated and hoping your company can assist me before I have to seek legal counsel. Also they are reporting different amounts on EACH of my remaining reports which also conflicts with the correspondence they mailed with me with amounts being owed.
03/08/2021	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23455	Web
I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX. The letters were informing them that the debt in inaccurate and requested a letter of validation. These letters were sent to both the credit reporting agencies and the collections agencies. I later realized that these medical bills were a result of a Virginia State workers comp case and that I should never been billed since I was hurt on the job. I was recently informed that the it was unlawful for them to attempt to collect the debt from me and that it should have handled and paid by the insurance company. I have attempted to contact both the collectors and the credit reporting agency and my request have been ignored. As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. I am requesting that the account ( s ) be deleted from credit report and all further bills be paid by the insurance company.
09/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 93280	Web
Is a collection account from an insurance service I had in XXXX and I paid off. This account was sent to a collection agency named Receivables Management Systems. I asked to the collector to sent an itemization and the collection agency sent an itemization that does not anything. It doesn't say what my monthly payments were, it doesn't clarify where the late fees stem from, it doesn't specify what payments were reversed or when the file was cancelled. Furthermore, my final payment is for a large amount. That is indicative that I called on the final month and payed off the balance before I moved to XXXX. I asked to a friend to call on my behalf because this collection agency threat me very rude in the past. The collectors transferred the call several times to several departments and finally transferred with a collector who couldn't tell us anything about the account because it was a collections department and not a dispute department and no managers were on the floor and no one could speak about this account but anyways we have to pay.
11/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD XXXXX	Web
Dear CFPB, As i have mentioned in my complaint CFPB File # XXXX Receivable Management Systems has violated my right as a consumer on many counts. i have attached a copy of the validation letter i sent to Receivable Management Systems for review. Please note that i have yet to receive validation of this debt from them. i have called so many times as they requested in their response to my complaint by to no avail. the alleged account is still on my credit report. Receivables Management Systems has claimed to have send the requested documents to the consumer on XX/XX/20 to the address listed in the previous complaint providing information in regards to the account. They provided me with no validation as i have also attached the document i received from them via mail. The letter is a mere itemized receipt from Receivables demanding that i make payment to them. i am yet to receive at lest a detailed itemized receipt of the original debt, my contract with Receivable or their client and most importantly Receivable 's license.
07/24/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20774	Web
I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$120.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company didn't respond to my first letter or did I receive any viable document bearing my signature. I sent them a 2nd letter on XX/XX/18 continuing to dispute the derogatory item on my credit profile, this letter was received via certified mail by them on XX/XX/2018, this company responsed to my 2nd letter with a document that looks like a bill, and no other document was provided bearing my signature stating I have a contractual agreement with them. They continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. This company continue to break the law by falsely reporting derogatory item on my credit profile. This is illegal and unethical.
09/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19038	Web
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 Credit Bureaus and found that this XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) was reporting to be negative on XXXX and XXXX Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
03/14/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23454	Web
Receivable management systems have been trying to collect A {$470.00} debt from patient first from four years ago maybe like 4 1/2 years ago they have been destroying my credit they have been reporting two times a week instead of once a month as they should this is ridiculous at this point Id rather them take me to court and try to sue me for it because if I show the judge what they doing is illegal I have tried to dispute it Ive asked them to remove it its past the time it should be on my credit they dont care they do what they want to do I feel hopeless and I really need the debt removed off my credit What happened is I felt stick at work for years ago I went to the doctors at patient first they check your insurance to see if its active it was going to expire two days after that visit they said it was accurate the doctor saw me they must have tried to charge the insurance After the two day market and because that is expired and they couldnt get their money this is not my fault and they have been harassing me
02/10/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	VA 22407	Web	Servicemember
XXXX XXXX failed to correctly file medical bill with XXXX. Filed with XXXX in wrong name. Account was sent to a collection agency Receivables Management Systems. I made calls to XXXX XXXX and learned they had not put my name as it appears on my XXXX card and XXXX would not pay the bill. Consequently, due to XXXX not paying our other XXXX insurances rejected the claim as well. We have XXXX and XXXX. However, if XXXX denies a claim for any reason it is rejected by the secondary and third insurance. I have also learned even though I spoke to XXXX XXXX in XXXX, XXXX, the file was not resubmitted until XXXX XXXX. This caused the Receivables Management Systems to continue to carry the bill as a collections. I spoke to XXXX at Receivables Management Systems before the account was added to my credit file and let her know that the bill had not been properly submitted for payment. She said she would wait to hear back from XXXX XXXX. But the account was still placed in collections and sent to the credit bureau.
08/31/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55118	Web
Receivable Management Systems is assigned to handle my medical debts that I am not aware of. I tried to reach RMS via certified mail, but I never got their responses. They have multiple addresses. I have requested them to submit me a verification letter saying I owe two medical debts which I never have received any responses. Then, I have submitted them to delete my medical debts since that they have broken the HIPPA agreement as they did not responded back. The medical debts have been increasing over time while I tried to dispute with them. First medical debt : Original debt is {$350.00}, then now it is {$680.00} Second medical debt : Original debt is {$160.00}, now it is {$210.00} Those debts are for XXXX XXXX. I have disputed online that I am not aware about the second medical debt because I dont have XXXX XXXX in Minnesota when RMS created in XX/XX/2020. It may be a false account to take more money. RMS also have charged me a few dollars every other week to drop my credit points long enough.
07/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19446	Web
I had a forgotten urgent care ( XXXX XXXX ) account fall into the hands of Receivables Management Systems ( RMS ) in XXXX, VA. Since RMS was only contracted to collect on the debt, I reached out to the original creditor to pay the balance in XXXX of XXXX. XXXX XXXX at XXXX XXXX confirmed that they would reach out to RMS and have them delete the item ( as a pay for delete ) from my credit report, which they did shortly after, until last month. RMS elected to add the item back to my credit report as an OPEN account ( despite being paid in full ) in XXXX of XXXX. Despite reaching out to RMS through multiple avenues, they refuse to remove the item as promised by XXXX at XXXX XXXX. This coincidentally aligns with my attempts at securing a home loan to purchase my first property. It seems like very weird timing for them to suddenly decide to add a paid collection back to my report despite removing it a year prior.Any assistance by the teams at CFPB would be greatly appreciated. Thank you in advance.
07/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20850	Web
Dear CFPB, Below this line is the response I received from RECEIVABLE MANAGEMENT SYSTEMS to my complaint cfpb file : XXXX-XXXX " Thank you for reaching out to our firm. We have reviewed your account. Upon review of your account, the itemized bill that was sent to you on XX/XX/20 is from the original creditor, XXXX XXXX in regards to the services received. Our firm has also requested additional documents from XXXX XXXX and upon receipt of requested documents, will be mailed to the consumer at the listed address in this complaint. Please contact our firm directly should you need further assistance in resolving this matter '' It has been more than 7 months that I have been expecting RECEIVABLE MANAGEMENT SYSTEMS to do the right thing and send me validation of the debt they claim I owe. Or at least delete this erroneous account which is detrimental to my consumer report. Please review the attached file to note that this account is still on my credit report and hurting my ability to obtain credit.
05/31/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN 46805	Web
After pulling m y credit score i notic e this company had a medical debt in my name. So i wrote a dispute letter on XXXX XXXX , 2017 asking them to verify deb t ( See attachment # 1 ) the amount shown on credit report is {$250.00} which i later found out was n't the case ( see attachment # 2 ). Then on XXXX XXXX , 2017 i sent out a debt settlement letter giving them until XXXX XXXX , 2017 to provide the original instrument of indebtedness in its original form. ( see attachment # 3 ). The wr ote back on XXXX XXXX , 2017 with the stating the following ( see attachme nt # 4,5 & 6 ) bas ically saying that the do n't have to provide the info relate to the dispute letter made on XXXX XXXX , 2017 . Which lead me to putting the matter into your han ds. Receivable Management feels the did n't have to respond to my dispute letter which convenience me to believe tha t they will be uncooperative in any future endeavors.
05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75214	Web
Account # ending in XXXX Receivables Management Systems is not license to collect in the state of Texas therefore according to 15 U.S. Code 1692c - ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.
04/25/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94089	Web
In late XXXX of XXXX, I noticed several open and reporting accounts on my credit report that I never received any notices about. During the process of investigating these debts, I sent a Debt Validation letter to XXXX XXXX XXXX. This letter was dated the XXXX of XXXX, XXXX, and was received by a XXXX XXXX XXXX on the XXXX of XXXX, XXXX. It is now the XXXX of XXXX, XXXX. After almost three and a half months, this debt collection agency has had ample opportunity to not only respond to my request, but to investigate it themselves and, as my Debt Validation letter stated, cease reporting on the account until all investigation is complete. When I originally reported this in XXXX of XXXX, this account was supposed to be closed, and no longer reporting to any credit bureaus, as this was not a debt that could be validated. As of now, XX/XX/XXXX, this account is still open, amassing interest, and reporting to the credit companies.
04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23505	Web	Servicemember
RECEIVABLES MANAGEMENT SYSTEMS REPORTED the date of first delinquency on a trade line being reported by them as XXXX XXXX XXXX for six years and eleven months. They changed the date of first delinquency. I provided proof that they were reporting the date of first delinquency as XX/XX/XXXX by providing a copy of my credit file from XXXX dated XX/XX/XXXX. In response to my complaint RECEIVABLES MANAGEMENT SYSTEMS gave a statement saying that the date of service by XXXX XXXX the Original Creditor was XX/XX/XXXX. RECEIVABLES MANAGEMENT SYSTEMS did not provide any proof to their claim. I demand they provide documentation or update the trade line to reflect the true first date of delinquency as XXXX XXXX XXXX and remove said trade line XXXX XXXX XXXX as that will constitute 7 years reporting on my credit file. RECEIVABLES MANAGEMENT SYSTEMS and XXXX XXXX should be held accountable for their violation of FCRA and the FDCPA.
12/10/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 22102	Web
The collection agency - XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) falsely and repeatedly submit collection record to the credit reporting agency which has severely damaged my credit score - score dropped by XXXX in XXXX day. The dispute is regarding a medical bill with original amount of {$260.00} occurred in XXXX. According to the insurance company I had in XXXX, the amount of {$260.00} is covered by the insurance and I 'm not responsible for this amount. I had previously opened dispute cases with all 3 credit reporting agencies and the cases have closed and the collection records were removed. However, XXXX XXXX XXXX repeatedly report new collection record regarding this amount to agencies on almost monthly basis and has greatly damaging my XXXXredit score. Therefore, I 'm filing this complaint with CFPB and hoping to resolve this false negative record against me once for all.
01/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08046	Web	Servicemember
Collection agency has been reporting wrongful debt to credit agencies since XX/XX/XXXX. As a XXXX member, I was billed directly by XXXX XXXX. XXXX XXXX never billed my medical insurance in which I was covered. XXXX XXXX attempted to collect the debt through third party collection agency. In XX/XX/XXXX, I contacted all parties involved to explain the situation. I have repeatedly disputed the accusations of the collection agency but they still continue to report negatively to the credit agencies. I have called the collection agency multiple times, with no response from them at all. In XX/XX/XXXX. I sent two official certified debt validation letters that they did not respond to. As of today they are still reporting negatively to the credit agencies. Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter
04/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23324	Web	Servicemember
I received a statement from XXXX XXXX for {$28.00} the statement date is XX/XX/XXXX, I paid this amount through my XXXX XXXX, on XX/XX/XXXX, in the amount of {$28.00}. I was recently contacted by Receivables Management Systems. I was unsure if I had resolved this or not but I was sure I made I payment and the balance was incorrect. I contacted RMS and disputed the amount and asked for a settlement to attempt to resolve. After further review, I located the statement from XXXX XXXX is says I owed {$28.00} from XX/XX/XXXX. I have not been back to Patient First because I'm 100 % XXXX and have all of my healthcare provided to me by the VA. I should not owe any monies to XXXX XXXX or the company the gave the debt to for collections. I will attach both the statement dated XX/XX/XXXX from XXXX XXXX and the check that cleared from XXXX XXXX. I will also include the initial contact letter from RMS.
10/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 79938	Web	Servicemember
I am contesting the accuracy and completeness of information contained in my consumer 's file at my credit-reporting I am requesting a reinvestigation under the Fair Debt Collection Practices Act, 15 U.S.C. 1681i. and this agency is not answering as they should : Receivables Management Systems located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX E-mail : XXXXXXXXXXXX Phone : XXXX - XXXX - XXXX XXXX : XXXX The information I am contesting is a claim for health care services and/or supplies provided by patient first in XXXX VA dated XXXX 2015 alleging late or non-payment by me. I have enclosed information from the Department of Defense, XXXX XXXX XXXX, which explains the Government 's role in the delay in payment or payment of less than the billed charges. I request that you reinvestigate this matter and delete the negative information from my consumer file. Sincerely, XXXX XXXX
08/09/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 21225	Web
My debt with XXXX XXXX was {$150.00}, The night of my visit i paid {$4.00}, then after {$25.00}, subsequently I set up bill pay through my bank XXXX. making 4 payments of {$34.00} each, which total sum is $ {$160.00}, over paying XXXX XXXX by {$11.00}. XXXX XXXX had my XX/XX/XXXX payment missing from there record, they send the record they have to a collection agency, Namely XXXX XXXX. I contacted XXXX XXXX several time, sending them the correct info. but they never get it fixed. I call XXXX XXXX, they told me that it will not fixed using my banks statement only has verification, i need to send copies of the check from bill pay, so i when and get hard copy of the check and send it to XXXX XXXX, but neither XXXX XXXX nor XXXX XXXX never contacted me. all that was done, was that the amount they had on file saying i owed was reduce to {$39.00}. I was denied credit because of this
06/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 22701	Web
I owe a balance to XXXX XXXX , it took months to send payment because I usually wait until my insurance kicks in before paying. Well, I waited too long and the outstanding balance went to Receivables Management Systems ( XXXX , VA company ), where they billed me {$40.00} fee. I paid the amount due to XXXX XXXX ; however I do n't see how the {$40.00} is rightful ( or even lawful ) to charge. The {$40.00} collection fee was billed to me, so that means I 'm paying XXXX to collect from me? That does n't make sense. The {$40.00} should be charged to XXXX XXXX , since they hired XXXX . Also, XXXX is billing interest. I did n't sign consent to be billed the fee or to collect interest. Who give XXXX the right to do ( and collect ) anything they want? I did not sign this agreement with XXXX . The attached document is an old copy. The {$110.00} has been paid.
09/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21239	Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. This account was already PAID. I am no longer indebted to this company or its practices. Please investigate and remove it from my personal credit file. Thank you.
07/27/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32803	Web
Receivables Management Systems ( RMS ) have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, RMS should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my wet signature, showing that I have a legally binding contractual obligation to pay RMS the alleged amount.
11/17/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MD XXXXX	Web
I incurred a debit medical with XXXX for XXXX of allegedly XXXX deductible upon this debit my insurance company cont to verify no monies were owedbased on date in question I sent certified letters emails and numerous phone calls to no avail. Meanwhile acct was sent to several collections based on this I filed a small claims actions in XXXX XXXX of MD XXXX XXXX where a trial was had Honourable Judge dismissed both claims including attorney counter claim on this date I was shown an invoice that I had never received. Based on that invoice even though court had dismissed I paid with Certified Check .bank shows where check was cashed.after cashing check collect cont even though I owe nothing receivables Management Systems cont and has inserted this debit ad being owed and accurate causing a severe drop in my credit score and refuse to remove
09/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77396	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that RECEIVABLES MANAGEMENT SYSTEMS would verify the debt. So I took it upon myself to ask RECEIVABLES MANAGEMENT SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
07/15/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NJ 08724	Web
1. Company has not provided any factual information about this account. 2. Company has not produced a contract between me and the collector that they are legaly entitled pursuent of this debt. 3. Collector is in violation of numerous consumer rights 4. Collector communicated to me without my consent Debt Validation request was sent on XX/XX/XXXX and was explicitly said i will pay the debt if it is factual and accuracy this information was not produced from them and they went ahead and violated my right to privacy as per stated under United states consumer code 15 U.S.C 1681 Section ( A ) They went ahead without my written instruction and Furnished my credit file As of XX/XX/XXXX They have violated my rights and have damaged my credit of a debt that is not owed to them to this date. Factual information is attached.
12/11/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web
I have made several attempts to resolve this. First I was never notified of the debt but it was placed on my credit report. I already had insurance with another company on the days they are charging me for. Anyhow I paid it since they agreed it would be removed. Second My wife called the original creditor who I have on a recorded line saying they would delete after payment. Third the company has failed to respond to my validation of debt request! I have kept a paper trail and plan to seek legal council if this does not get deleted permanently. This was a XXXX charge they are stating and why would I risk XXXX going on credit? No one ever notified me that I owed anything or I wouldve paid it prior it is illegal to insert a debt on someones credit report without proper notification. DO NOT CONTACT ME BY PHONE!
09/07/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 173XX	Web
This is a medical debt where I had secondary insurance through my mother 's insurance. XXXX XXXX never submitted the remaining amount due to my secondary insurance even though the insurance card was offered to them on two different occasions. When they sent it to collections, I immediately disputed the debt. For over a year representatives from Receivables Management Systems have ignored my dispute letter and now am being informed that I did not meet the 30-day criteria ( I am assuming that the Account Dispute Manager is using my last fax of XXXX XXXX, 2017, as the dispute date ). The initial dispute was sent well within the 30-day period ; however, three different representatives from this company over the past year have done nothing to remedy this. I am attaching all of the information I have in this matter.
02/02/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94089	Web
In late XXXX of XXXX, I noticed several open and reporting accounts on my credit report that I never received any notices about. During the process of investigating these debts, I sent a Debt Validation letter to XXXX XXXX XXXX. This letter was dated the XXXX of XXXX, XXXX, and was received by a Ms. XXXX XXXX on the XXXX of XXXX, XXXX. It is now the XXXX of XXXX, XXXX. After almost three and a half months, this debt collection agency has had ample opportunity to not only respond to my request, but to investigate it themselves and, as my Debt Validation letter stated, cease reporting on the account until all investigation is complete. This account is still open, reporting, and I have never received any communication from XXXX XXXX XXXX regarding this debt or their attempt / willingness to investigate it.
03/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21216	Web
I've been disputing this entry unsuccessfully for over a year. Receivables Management Systems reported to all three ( 3 ) credit bureaus a debt on behalf XXXX XXXX XXXX in the amount of {$160.00}. I paid XXXX XXXX XXXX, in full, directly. I've never entered into a contract with Receivables Management Systems for services of any sort. Therefore, I don't owe Receivables Management Systems a debt. When proof of the debt was requested of Receivables Management Systems, they replied with a letter confirming the XXXX XXXX XXXX debt was paid. It's reported as " paid '' on all three ( 3 ) credit reports. This information is erroneous because I never owed Receivables Management Systems and the debt was paid directly to the debtor. There is no legal reason why this entry should be part of my credit history.
01/12/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 212XX	Web
I XXXX XXXX XXXX XXXX am the original creditor, natural person and consumer and I have recently obtained a copy of my credit report and noticed an unauthorized account being reported. I did not give written consent for the unauthorized account to be reported against my consumer credit report which is a violation of my consumer privacy rights under 15 USC 1681 A. I have not entered into any agreement with REC MGM Systems and demanding a validation of this alleged debt by way of contract that gives REC MGM Systems grounds to collect a debt from me. To be clear a statement is not a contract. REC MGM Systems is also in violation of 15 USC 1692 E 2 ( A ) and is causing me grave distress and ruining ( 15 USC 1681 ) my reputation by continuing to report this alleged debt on my consumer credit report.
09/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21061	Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
05/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21061	Web	Servicemember
In XXXX of 2017 I visited an urgent care facility for a very abrupt illness. My insurance paid a drastically lower amount to the facility. In the explanation of benefits it states that I can not be charged the difference. The ending balance statement says beneficiary responsibility is {$0.00}. I spoke with the medical facility and they stated they already sold the debt and they could not do anything. I spoke to the collection agency that ignored me and asked for a payment plan. All credit agencies successfully disputed the claim except for XXXX. XXXX has told me repeatedly that the collection agency said I owe them and that was all they could do. I have sent the Explanation of Benefits to all parties involved a total of 4 times in the last 365 days and roughly 6 times the two years prior.
02/09/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 21221	Web
XXXX XXXX put a collection on my credit report without giving me a right to dispute. I filed a complaint and they responded by stating they that sent communication regarding an alleged debt. I sent correspondence to them asking for a copy of the letter they sent giving me the right to dispute, as of today I have not received any communication regarding a right to dispute. They are also reporting on my credit report as an installment loan showing a high balance and a low balance and increasing my balance by {$1.00} once and week, then they increased it to {$3.00} within the last couple of days. Collection agencies are not supposed to act as if a person has an installment loan by having a high balance and a low balance, nor charge interest the way that they are which is ruining my credit.
06/27/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23223	Web
I submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX refuses to do any further investigation unless provided with proof. The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 3. This institution is obligated by law to investigate, require proof from the creditor, that validates their record. There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.
02/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23223	Web
I recently submitted a complaint. The company closed this complaint with failing to address the issue. Theyre response and is unacceptable when they are in violation of the HIPAA Law. Here is the company response Thank you for reaching out to our firm. We have reviewed your accounts. As stated in your complaint case no # : XXXX, Receivables Management Systems sent a letter back on XX/XX/2020 to show the balance in our office. Our firm has sent information to the original creditor requesting additional information. Our firm has not received that information as of date but once we have received, it will be mailed to the consumer to the address listed in this complaint. Please contact our firm directly should you need further assistance in resolving this matter.
04/02/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 231XX	Web	Older American
These people have now sent me a letter with an attachment that shows that the debt was written off by the creditor so why do they keep contacting me? In addition, I asked for proof that they billed the insurance company and this does n't show that. It shows no insurance response. That is not my fault they did n't bill the insurance company when they had my insurance information. Do I really have to obtain and attorney about this???? I contacted the insurance company and they stated they have NO records of XXXX XXXX every billing them and that my insurance was in order! STOP contacting and harassing me about a bill that was never submitted to the insurance company. I have health issues and you are not making them any better! You keep XXXX.
04/24/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30127	Web	Servicemember
I recently received my credit report where I saw this debt was listed. I had no knowledge of this account ever existing. In an attempt, to resolve this matter quickly and restore my good credit report, I contacted the company via written communication and offered to settle this debt, and in exchange they would remove this account, that does not belong to me, from all of my credit reports within 15 days. In addition to this written correspondence, the company also received a check to settle the account in full, under the terms that all info related to this account would be deleted from all credit reporting agencies. The check to settle this account was cashed on XXXX XXXX XXXX , but the account remains on my reports.
10/19/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD XXXXX	Web
XX/XX/18 a complainant was sent to XXXX XXXX XXXX from CFPB on my behave Complainant number XXXX. As previous stated the debt is not owed. The response from collection company was as follows : " We have contacted the creditor and requested they review their file to verify insurance claims filed and payment received. Also request confirmation of the balance due ''. It has been 8 months since the company responded to the CFPB about my complainant and I haven't heard anything from them since. It has been more than enough time for the company to verify any and all information. Therefore, I am requesting that all information about XXXX XXXX XXXX and any debt reported be removed immediately from all credit reporting agencies.
09/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77035	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that RECEIVABLES MANAGEMENT would verify the debt. So I took it upon myself to ask RECEIVABLES MANAGEMENT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
12/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21206	Web
There is an account on my XXXX credit report from XXXX XXXX XXXX that was just added in the month of XX/XX/XXXX. The account is showing a status of open and last reported to XXXX on XXXX XXXX. However this account was never on my XXXX credit report until XX/XX/XXXX. Not only is this account reported incorrect but should have not been reported to XXXX at all given the fact that this account was included in bankruptcy and discharged on XX/XX/XXXX, and was only reported to XXXX which have it listed as closed due to the bankruptcy. I have put in a complaint with XXXX about this issue but did not come to a solution because they are stating that the information they have received is accurate when in fact it is inaccurate.
06/25/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 21040	Web
XXXX XXXX billed me when I was covered under medicaid. They reached out to XXXX failed to realize my coverage. WhenM XXXX realized it and told XXXX XXXX, XXXX never reached back out to me yet continued billing. This is a communication issue on all other third parties. Ive disputed this with the original creditor Ive disputed this with Receivables MGMT Ive called the credit bureaus. Ive gotten an itemized statement in the mail from XXXX and disputed mutiple times from XX/XX/XXXX-XX/XX/2019. I have had success with requesting an early exclusion with XXXX and they removed The debt from my credit report in XX/XX/2019, Its due to fall off XX/XX/2019. I am requesting immediate deletion in this matter.
12/06/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 238XX	Web
Collection company have not sent anything in writing. This company is trying to collect a debt that is not owed, there was a billing error that was never corrected. The collection company said they was going to send information after they do an investigation. No information sent to me but they updated my credit report. Trying to contact them via mail no response. I have not contacted them by phone because they want me to confirm I owe the debt. They could never break down the charges and verify if the charges was accurate or if there was an error in billing. XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Debt collection Issue : Attempts to collect debt not owed
12/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23320	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
07/09/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 20147	Web
There was a Company name Receivable System Inc. sent notice to me on XX/XX/2019 to pay 1 Company debt. I requested that company to first show me the evidence that what evidence they have that I want to pay the debt to the company. And I informed this also that within 30 days they won't need to touch my credit report and if they touch it I can take some action under them if I see if negative item. I can give them 30 days to investigate and sent me to result in the mail. It's been 30 days and more they didn't send me to investigate result and placed their name in my credit report as a collection agency. So I want to report their name to CFBP to help me solved that problem. Thank You, XXXX XXXX
11/10/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 774XX	Web	Servicemember
I would like to male a formal complaint on Receivables Management Systems. Receivable Managment Systems was the holder od a debt that i had with XXXX XXXX ( account number XXXX ). I spoke with them in XX/XX/2020, they explained that once the debt was paid in full, they would delete from my credit report. I paid this debt in XX/XX/2020. It remains on my credit report. I sent them a formal letter, requesting deletion on XX/XX/2020. I followed up with a phone call and was told that they will not be deleting this item, due to it not being paid off within 6 months of them receiving the debt. This is not the information that was initially told to me. I was told it would be deleted once paid in full.
12/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08055	Web	Older American
A Medical Provider Patient First is attempting " Balance Billing '' for a Covid test XX/XX/2020... .The Bill has been sent to a collection agency. It is my understanding that Covid tests at that time were free. It is also my understanding that per the provider 's contract with XXXX they will accept the approved amount as full payment. For reference the " No Surprise Bill '' was not in effect at the date, however even at the date of service per their contract with XXXX a provider had to accept the reimbursement from XXXX as full payment... .I have XXXX XXXX that I owe {$0.00} for this service. The Credit Collection Agency is : Receivables Management Systems P.O. XXXX XXXX XXXX Va XXXX
05/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20716	Web
I am writing because XXXX XXXX has sent my account to collections and the Collection agency reported me to the credit bureaus. I had moved and they sent the statements to the old address and I also PAID the balance. Also under the CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis, They reported me in XXXX, They need to REMOVE it from credit bureaus. I don't want them to JUST update it, they have to completely REMOVE it from ALL the credit bureaus or from the ones they reported it to. My score dropped significantly and I'm in the middle of getting a mortgage.
11/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD XXXXX	Web
Receivables Management System has placed a medical collection on my consumer report without giving me the chance to dispute the validity of the alleged debt thereby violating the fair debt collecting act. when i found out i reach out to them and spoke to a representative over the phone in the first week of XXXX i then requested validation of the account. i received a bill from them requesting that i pay. i then sent back a request for validation. i have attached copies for review. it's been over 30 days they received my letter as i sent it certified with return. the debt has not yet been validated but the account remains on my credit in violation of the fair credit reporting act.
05/12/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20716	Web
I am writing because XXXX XXXX has sent my account to collections and the Collection agency reported me to the credit bureaus. I had moved and they sent the statements to the old address and I also PAID the balance. Also under the CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis, They reported me in May, They need to REMOVE it from credit bureaus. I don't want them to JUST update it, they have to completely REMOVE it from ALL the credit bureaus or from the ones they reported it to. My score dropped significantly and I'm in the middle of getting a mortgage
07/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21012	Web
XX/XX/ RMS send me a letter after I disputed the claims of the bill with XXXX XXXX after speaking to my insurance who assured most of the bills were not mine - they did not properly file claims with them or do proper adjustments - XX/XX/XXXX- claims were not paid because insurance requested corrected claims never got sent to them & over charged were charged for services not received They just sent statement of their records and not accurate or in compliance with insurance per my insurance - I have contacted insurance commissioners. I have called months with no return call from - XXXX XXXX - Account Disputes Manager - I have left several messages as well as my insurance
05/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 170XX	Web
Receivable management systems XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have been using a deck consolidating agency known as XXXX XXXX to contact them via third party with all of my contact information to settle and absolve and eventually pay on this debt. Over the course of 3 months they have made no attempt to contact me but feel they can justifiably up the debt to which I owe which recently over the last two days has been an additional {$150.00}. Since they have not made any attempt to return any calls made on my behalf or by my own person I contacted XXXX to dispute the debt due to non-contact. They simply replied with they disagree and that was that.
01/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23831	Web	Servicemember
I've been working to resolve this issue for more than a year. I received an alert that a collection was added to my credit file by Receiveables Management. The account in question was previously paid by the insurance company and reversed one full year later. The original creditor never notified me that the payment was reversed. Receivables Management improperly collected and reported to the credit bureau without providing adequate time for me to review and dispute the debt under FCRA. I have always had health insurance and there is no reason for a medical visit to go to collection. It is unfair that I am being penalized by the negligence of the original creditor.
08/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75039	Web
The company Receivables Management System is attempting to collect on a debt that is not owed by me. 1. This company has NOT sent any information to my address.2. This company does not have my correct information.3. This company is NOT registered to collect a debt in my state of Texas.4. This "debt buyer" company HAS reporting information on my credit report "a collection" and is attempting to collect illegally.I sent RMS a certified letter with return receipt regarding this matter. RMS has 30 days to remove this collection or will face legal action and will be sued under the FDCPA.I want CFPB to find out why this company willfully breaks the law.
08/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23060	Web
I am filling a complaint against XXXX XXXX because they are attempting a that is I do not owe them. Account Name : REC MGM SYS, Account Number : XXXX. I would like for REC MGM SYS to show proof of verification that I owe them {$590.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
11/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web
I have notified this company and all three credit bureaus and XXXX XXXX that this collection is the result of fraud. Each time I have requested information that would validate the debt, I have recieved information that was previously stolen and the result of ID theft. I notified the company and provided documents supporting this. Today, XX/XX/XXXX I called to offer a " pay to remove '' reconciliation as this matter is costing me financial damages and is a violation of my civil rights and again the company stated they would not comply but would instead put " PAID IN FULL '' which is invalid as this is a disputed account and has been since XXXX.
03/23/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 21230	Web
Collection reported on my credit report I owe them XXXX. On XX/XX/XXXX I sent certified mail disputing this debt and requesting competent evidence bearing my signature showing that I have some contractual obligation to them. I received notification that I in fact I owe. The company sent a letter and an itemized bill. I provided them a second certified mail on XX/XX/XXXX again to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. I have not received any notification. They inform the credit bureau that I disputed but no other action was taken.
04/10/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	VA 23225	Web
The debt collection agency " Receivables Management Systems '' in XXXX, VA at XXXX attempted to collect a debt from medical fees. The only bill I have received included only a total balance, account #, and contact information for the company. No information was indicated as pertinent to dispute, nor was a right to dispute included. Nor was information sufficient to validate the amount of the debt provided - specifically, I requested an itemized bill so that I could verify individual charges before I agreed to the total, and they have refused to provide an itemized bill. It has been several weeks since I requested that information.
01/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23223	Web
Dear Receivables Management you responded via mail but failed to provided the proper documentation. I specifically requested the HIPAA release form bearing my signature given the provider permission to release medical information to a third party. In the documentation I have from you do not provide me that form. This is against the HIPAA law for you to be attempting to collect on alleged debt owed without having this form. Unless you can provide me the form immediately. I demand you cease debt collecting and remove this account from my credit report ASAP. Further action will be taking if you refuse to provide this information.
05/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23112	Web
Today I contacted Receivables Management Systems and made a payment in full for two accounts totaling close to {$250.00}. I asked for a pay for deletion and was told to send a written request. I noticed that amount reporting is {$31.00}. I called back to see why the balance was reporting was only {$31.00} with the bureaus and was told that they were not sure and there was no pay for deletion. I am not working due to COVID-19 and used some of my stimulus money to pay the balance. I wanted to pay what was due but was misrepresented with the incorrect balance and information. Furthermore my Hippa rights have been violated.
12/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78218	Web
Ive contacted XXXX XXXX XX/XX/XXXX regarding a collection on my credit report. At the time of the service my daughter had VA XXXX. XXXX XXXX did not bill the services correctly. XXXX XXXX response was my daughter did not have coverage. Which incorrect. I provide patient XXXX with the documentation. Now the bill has been turned over to collections. Ive been disputing this bill since then. The original amount was {$250.00}. The XXXX XXXX XXXX XXXX has the amount {$460.00}. Ive contacted XXXX and disputed the account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also contacted the collection agency.
04/01/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 080XX	Web
I did not know there was any collection being taken against me until years after the debt when it appeared on my credit report. I do not owe the medical debt they are claiming, as I had health insurance at the time and my visit was covered. I never authorized any additional charges outside the scope of my health insurance. I have contacted company several times and a bill or explanation was never provided to me. I have also received letters from attorneys in regards to a class action lawsuit against this collection agency and original debtor that they have been found guilty for scamming numerous other individuals.
10/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23225	Web
on XX/XX/2018 i disputed a medical bill form XXXX XXXX XXXX on XXXX and XXXX credit reporting agency because i don't recall owing that debt. The medical bill was removed from XXXX but not from XXXX amount {$110.00}, i have tried unsuccessfully to dispute it again through XXXX online dispute numerous time, but their system doesn't seem to work consistently because i am constantly getting error messages ( please see attached below ). a few weeks later I received a letter from XXXX XXXX XXXX date XX/XX/2018. I don't think i owe this balance and its adversely affecting ability to conduct any business.
02/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23324	Web
Receivable Management System is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$150.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g, Receivable Management System failed to send me a notice of debt/debt validation and is illegally using my consumer report to advertise a debt in attempt to collect the alleged debt being reported. I have no obligation to pay Receivable Management System and Im demanding them to remove the collection account from my consumer report.
06/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 34761	Web
This is a formal complaint against Receivables Management Systems. Pursuant to federal law, this debt has never been validated, please remove it from my consumer credit report. The furnishing of this information is false and misleading credit information. I never validated nor authorized this alleged account to be reported on my consumer report. Attached below are supporting documents. A letter was sent to the company requesting the validation of the alleged debt. No action has been taken. I also have attached a confirmation of correspondence arrival & ready for pickup via USPS certified mail.
06/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21236	Web
This company ignored my validation of debt request, and is continuing to try to collect this debt from me. It is trying to artificially inflate the price of the alleged original debt with interest and fees, in an attempt to collect on an amount greater than what it bought it for. These are a blatant violation of the FDCPA, and this company is in violation of privacy HIPPA laws in regards to breach of security with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.
04/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 221XX	Web
I just reviewed my Credit Report and as of XX/XX/2018 XXXX XXXX/XXXX XXXX reported that I have a Debt in the amount of {$280.00}. I contacted the company and asked them to verify the social security number and also the date of birth because I was out of state in college when this charge occurred. The Customer service rep at XXXX stated that this was not my debt because they had a different social security number and also a different date of birth. I will like this to be removed off of my credit report immediately. I am a young college student that is trying to continue having good credit.
06/22/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	VA 22306	Web	Servicemember
On XX/XX/2015, I received a collection notice from RMS ( Receivables Management Systems ) for XXXX : Account:XXXX stating that my account was delinquent and XXXX placed the account with RMS for immediate attention. RMS claimed that despite XXXX numerous requests for paymennt that I allowed my account to become seriously past due and payment of this balance will allow RMS ( collection representative : XXXX XXXX, extension XXXX. XXXX or XXXX ) to cease further collection action. XXXX XXXX never contacted me by either mail or telephone stating that I had an outstanding balance of {$46.00}.
03/31/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 20175	Web
The debt occurred and they claim to have tried to collect while we were in bankruptcy. This organization never provided formal, required communications to me after the bankruptcy was discharged. They then claim they sent something, however that is not true ; further I have changed addressed and did not furnish them with a new one because they never formally or appropriately communicated. I never had the ability to know of the debt and whether they were legally entitled to collect on it, nor dispute it. They magically then put it on my credit as a collection item 4 years later.
08/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78259	Web
A certified letter was mailed to Receivables Management on XX/XX/2020. The certified letter XXXX XXXX XXXX XXXX XXXX was received by Receivables Management on XX/XX/2020. To date, I still have not received any response from the company or any supporting documentation to prove that I owe this debt. I was unaware of this debt and I have never received any documentation stating that I owed this debt. I only became aware of this debt when I ordered my credit reports recently. They have had ample time to respond to my letter and provide the necessary proof that I have requested.
07/10/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 20850	Web
My son received XXXX XXXX on XX/XX/2016 from XXXX XXXX. Insurance paid a portion, which left a balance of {$270.00}. We relocated, so I did not receive the bills early on. The account was turned over to the collection agency, Receivables Management Systems ( RMS ). I discovered it because it showed up on my credit report. The balance had increased to {$530.00}. I've made multiple attempts to pay the original balance that was due. RMS continues to update my credit report and add $ XXXX {$2.00} to this balance every two weeks. The balance is now over {$700.00}.
07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 17603	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
09/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD XXXXX	Web	Servicemember
I order a credit report and see this company I have never heard of. I give the company a call at the number listed on the report and try and resolve an issue and instead of helping they kept trying to get me to give them personal identifiable information and I refused. The name of the company is XXXX XXXX. It appears that they are trying to collect a medical bill that is not owed. I was and still are a recipient of Maryland State Medicaid. I am not sure why this bill out of the many paid by the state is being directed to me. I do not owe this bill.
03/15/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 236XX	Web
I contacted XXXX XXXX three times to get them to send information to their collection company that the bill was paid by me on XX/XX/2020 in the amount of {$180.00} by phone using my debt card. I have the bank statement to prove Ive paid the car insurance bill in full but they will not keep their word and follow thru on that promise. Ive also contacted the collocation company several times and they will not stop sending me letters that I didnt pay the bill even though their computer information says that I have paid it in full. Please help me ...
07/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 21045	Web
On XXXX XXXX, Recievables Management Systems was notified by XXXX that the debt was paid in full. On XXXX XXXX, Receivables Management Systems send out a Notice of Credit Bureau Notification, stating that I had not paid my debt and that they would be notifying the credit reporting agencies. Upon calling them to resolve the situation, I was interrupted constantly before I had an opportunity to explain my problem, and subsequently hung up on. I am concerned they will notify the credit reporting agencies in spite of my debt having been paid.
04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20850	Web
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. The company failed to provide additional information and will not reinvestigate
06/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 21244	Web
I reviewed my credit report and found 2 charges from Receivables Management with the original creditor being XXXX XXXX. I have disputed this to no avail with this agency. This is causing me so much stress its ridiculous. This is a violation of HIPPA and I do not owe anything because I had XXXX insurance so I should not owe a dime. I have never received proof of this debt and even so why should an outside agency have record of my medical information in the first place. I did sign any contract with this company therefore I owe nothing.
08/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web
The account has been repeatedly referred for collection by multiple collection agencies and has been investigated and removed multiple times. XXXX has removed the account, but XXXX continues to report it and refuses to provide information regarding what information is being provided to verify the debt. I have never had car insurance with this company. They are attempting to bill me repeatedly for one month of service in XXXX. I believe I requested a quote from this company and they fraudulently opened an account in my name instead.
06/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 195XX	Web	Servicemember
XXXX XXXX was my primary care physician in XXXX. I visited their facility in XX/XX/XXXX. I was insured by XXXX XXXX XXXX XXXX Massachusetts at the time. XXXX XXXX XXXX records show that they sent a claim to the insurance company on XX/XX/XXXX. Their records also show that as of XX/XX/XXXX, the insurance company had not responded to the claim. XXXX XXXX then tried to collect the debt from me. As I was insured, the insurance company should have paid my claim. Their failure to respond and pay the claim should not be my responsibility.
07/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 22033	Web
Receivables Management is attempting to collect money and interest on a account that I do not have Patient Responsibility for the medical billing error. They have recipes the Explanation of Benefits prior to this account becoming a collection. On XX/XX/XXXX I received an EOB that I am not responsible for dates of service at XXXX XXXX XX/XX/XXXX and XX/XX/XXXX for my son XXXX XXXX. XXXX XXXX had this information and still sent it to collections, and its illegal for a collection company to charge you interest on medical debt.
03/02/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 21216	Web
I reviewed my credit report and noticed a collection entry for Receivables Management Systems. XX/XX/2023, I sent a dispute letter requesting validation of the debt. Receivables Management Systems replied by letter, XX/XX/2023, which included a printout as " proof '' of the debt. Pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws, validation is competent evidence bearing my signature. Per the law, a printout does not " validate '' the debt.
09/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23229	Web
On XX/XX/2019 i paid XXXX XXXX {$100.00} with check # XXXX. The check was deposited by XXXX XXXX on XX/XX/2019. ( I have the bank document to prove this ). On XX/XX/2019 i get a collection notice from Receivables Management Systems stating i owe them : Creditor : XXXX XXXX {$0.00}, Interest : {$2.00} and Collection Fee : {$40.00} for a total of {$42.00}. I do not understand how they can collect a collection fee with interest when I owe nothing to the Creditor XXXX XXXX because they were paid in full on XX/XX/2019.
02/13/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 21244	Web
After viewing my credit file, I noticed I had a collection account. XX/XX/2019 I sent the collection agency a validation letter asking for proof. Under the FDCPA, if the collection agency doesnt validate then they no longer can collect payment and is required to removed the debt. Being as though I never received any letters or notices from this collection agency prior to this collection on my file is weird to me. Also, the CA did not satisfy proof of this alleged debt, therefore I am making a complaint with CFPB.
06/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD XXXXX	Web
I have tried to resolve and verify this debt with Receivables Management System several times, but to no avail they have not responded to my inquires. I have requested a validation of this debt thru certified mail. Most recently, I sent a letter certified mail, postmarked XX/XX/2021. They received my letter on XX/XX/2021 at XXXX XXXX XXXX. Today is XX/XX/2021 and they have failed to comply with my request. This company has never sent any documentation confirming that they are able to collect on said debt.
08/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Didn't receive services that were advertised	SC 295XX	Web
XXXX XXXX is on my Consumer report as well as my credit report for dates from XX/XX/XXXX to present XX/XX/XXXX and shows as a " collection '' or " no data for this time period ''. I have never used this insurance, and have had XXXX Car insurance since XX/XX/XXXX. I have contacted the company and was told they did not have a collection dept and they were not sure how to get me to the right person. I also contacted your organization, and was directed to to call XXXX XXXX as well. A ticket was created # XXXX
01/26/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 604XX	Web
I called in today ( XX/XX/23 ) to pay a debt. The total on the bill states the total is {$320.00}. XXXX XXXX said the total was actually around {$320.00} and some odd cents. She said that there is a daily recurring interest, but that was not stated on the bill. She said that I owe {$320.00} and not {$320.00}. She was very rude when I asked if I paid online would I not be charged the {$2.00} plus. She said no and rudely hung up. I only paid {$320.00} online because I don't trust her to process my payment.
05/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23606	Web
XXXX XXXX refused to reply to several letters mailed and hand delivered to them by me. By their own records the amount is incorrect and they refuse to correct. They ( XXXX XXXX ) Confirmed to Receivable Management Systems incorrect amount and that I will at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have never lived in PA. Receivable Management Systems refuse to comply with the Fair Debt Collections Act after providing them with a cease and desist letter with 30 of letter denying the claim.
04/01/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 223XX	Web
I received a bill for {$150.00} from XXXX XXXX and sent a money order for {$150.00} to XXXX XXXX XXXX, XXXX, Maryland XXXX via united states postal service mail and delivery confirmation reports it was received on XXXX/XXXX/2016 at XXXX. Despite this, I received a letter dated XXXX/XXXX/2016 from Receivables Management Systems ( a collection agency for XXXX ) reporting that I have a remaining balance of {$54.00}. I do not, because I owed {$150.00} for the service and paid it in full in XXXX 2016.
02/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MS 387XX	Web	Servicemember
Collection Agency : Receivable Management Services Original Creditor : XXXX XXXX Date Assigned : XXXX XXXX, XXXX Original Amount Owed : {$49.00} Collection Amount : {$110.00} Collection Agency : XXXX XXXX Original Creditor Name : XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$170.00} Collection Amount : {$170.00} I have disputed these accounts numerous of times for identity theft as I am not the responsible party. I have provided the police report and supporting documents in regards.
09/09/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA XXXXX	Web
2014 Receivables management Systems took over a medical debit from XXXX XXXX in the amount of 76.00 over the years the amount has increased to XXXX. Clearly the collection agency has been applying additional fees and reporting them to XXXX. Additionally, the HIPPA agreement signed during treatment did not include Receivables management systems, there ability to verify the account is in direct violation of my rights as i did not authorize access to information obtained for medical treatment.
08/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23324	Web
I Recently received communication from Receivables Management Systems attempting to collect an alleged debt from XXXX XXXX XXXX, the consumer totaling {$140.00} ( see attached ). The reference number is XXXX. This debt isnt valid & is being disputed. Im requesting they send me debt validation pursuant to 15 USC 1692g & Im also demanding they Cease communication until this debt is validated pursuant to 15 USC 1692c ( c ). ( In this complaint They equals Receivables Management Systems ).
01/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 21221	Web
I received an alert from XXXX XXXX saying a collection was added. I had no knowledge of the collection until I received the alert from XXXX XXXX. I never received a phone nor letter advising me to dispute the validity of this debt. It is affecting my credit and need it removed. Im supposed to receive notification to dispute, and if I dont respond within 30 days then it can be added to my report, instead they added it without giving me the opportunity to dispute the validity of the debt
10/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33334	Web
XX/XX/2020 I went to XXXX XXXX. I paid via insurance and supposedly still had a copay although my deductible was reached for the year, my insurance paid all costs. It was sent to collections and I never received any emails, letters or phone calls regarding this collection. When I tried contacting Receivable Management Systems, they did not answer. Their website is a scam, reviews state this is a food restaurant. I have tried disputing this a few times. I would like this to be removed.
08/22/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA XXXXX	Web
i noticed a alleged debt of XXXX from Receivables management services that i dont owe, i sent multiple dispute letters asking for the validity of the alleged debt but never gotten the document requested nor a deletion from my credit report.my first letter was on XXXX, XXXX, and XXXX was also sent to the CRAs as well, i am requesting deletion of this inaccurate and incomplete item from my credit report within 14 days or i will turn this matter over to my attorney to sue for damages.
02/10/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77521	Web
I was a victim of identity theft and noticed a collection from RECEIVABLE MANAGEMENT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RECEIVABLE MANAGEMENT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
12/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19013	Web
I contacted the original creditor several times and asked them. why I owed the {$50.00} dollars balance. at the time of visit I pay them {$50.00} dollars copay and my insurance paid them for the rest. I contacted my insurance company regarding this bill and I was told they got paid what XXXX eligible. this collection company has been calling me and trying to collect what I do not own. I told them stop calling me and they continue calling me and harassing me.
09/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28092	Web
XXXX and XXXX removed a debt collection from XXXX XXXX With XXXX XXXX XXXX that was not mine. On XXXX the debt collection was not removed and has adversely affected my score. This debt does not belong to me and I have never had insurance with XXXX XXXX. Please contact XXXX XXXX XXXX and fix this, because it has affected me getting a loan for a truck. Here is XXXX contact info : XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX ) XXXX Toll-Free
02/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 238XX	Web
Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U. S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
07/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20748	Web
On XX/XX/XXXX I sent a letter to Receivable Management Systems requesting validation of a debt on my XXXX XXXX and XXXX Credit file. I received a response of a Billing Statement from 2015. Receivable Management Systems is reporting OUTDATED information on my Credit Report. The Statute of Limitation in the state of Maryland to Report debt is 3 years and they are continuing to report OUTDATED information to the bureaus and continue to violate the law
02/05/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20735	Web
XXXX XXXX medical bill was {$55.00} dollars XXXX XXXX XXXX. is the company is charging extra {$240.00} in interest making a total off {$300.00} I have never sign any contract with the original company ( XXXX XXXX ) this company is treating me to damage my credit score if I don't pay the bill I have contacted the company to pay my bill but they are charging all they want not giving me the option. to paid the original balance. XXXX XXXX XXXX
06/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 17111	Web	Servicemember
I asked for validation of this debt. the company told me to call another entity to receive the the information I sought. I wanted a copy of the original contract with my wet ink signature. XXXX XXXX and XXXX stated they couldn't provide these documents. I want a investigation done immediately. if i can not receive physical validation of the claim i want this deleted off my report. the date of the claim is XX/XX/19 the amount is {$980.00}
05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21061	Web
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I Have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
10/05/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MD 20744	Web
A man called my home phone number and asked to speak to me. I said this is she speaking. He said he was calling from some resolution/recovery company which was not noted on my caller I.D . He asked me for my personal information, my address and birthdate. I told him I do n't give out my personal information. His response was I 'll see you in court. My call I.D . showed : XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX @ XXXX XXXX
10/08/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 181XX	Web
I have been disputing this account on my credit because it is clearly inaccurate. RECEIVABLES MANAGEMENT SYSTEMS has been assessing interest, penalties, and fees on my credit, which is prohibited under the FDCPA. They also have never sent me any information in the mail, despite my requests, which is a violation of the FCRA. I am tired of having to fight an account that is so flagrantly illegal! Please assist me any way you can!
12/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 20147	Web
This is an inaccurate and invalid collection account placed on my credit report that is not my own. I have sent letters to all XXXX credit bureaus regarding this debt and still continue to see it reporting, this is a gross violation of my consumer rights and under the Fair Credit Reporting Act, I demand that they either furnish documentation verifying this account as my own or immediately remove this file from my reports
03/23/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 19064	Web
Debt in question was from a minor I was chaperoning to an urgent care visit. I am not her custodian or legal guardian Moreover, the minor had valid insurance coverage at time of visit but original creditor never submitted billing to proper insurer Regardless, I just took her to urgent care while her mother was away. Why am I responsible for this debt?! All I did was help someone out my bringing a minor to the doctor!
09/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20746	Web
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on REC MGM SYS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
02/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75075	Web
I had a collection on my credit report, but I paid it ( with proof ) on XX/XX/21 ( XXXX XXXX XXXX ). I called Receivables Management Systems to have the matter resolved, but XXXX XXXX ( or XXXX ) was extremely XXXX to myself and my XXXX. She also gave me an improper procedure to upload my proof of payment, and then would not verify with my XXXX if my XXXX fax with the proof of payment had been received.
07/18/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94551	Web	Servicemember
On XX/XX/XXXX a medical account was sent to collections and I had just recently seen that this was something new to my knowledge. I have served in the XXXX XXXX XXXX fromXX/XX/XXXX-XX/XX/XXXX and had XXXX XXXX that covered my expenses and fees. This is something that I have tried to work out with this company prior. It has been years since and have not received any positive changes towards this account.
04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23505	Web	Servicemember
XX/XX/XXXX I received a printed copy of my credit file. On page 5 of my credit file RECEIVABLES MANAGEMENT SYSTEMS, Original Creditor XXXX XXXX account # ending XXXX reported the date of first delinquency for this trade line as being XX/XX/XXXX. RECEIVABLES MANAGEMENT SYSTEMS has changed the date of first delinquency for account # ending XXXX to XX/XX/XXXX clearly a violation of the FCRA and the FDCPA
03/16/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 21215	Web
There is an entry on my XXXX credit report detailing a collection account for Receivables Management Systems. The Original Creditor is XXXX XXXX and dated XX/XX/2016. This account has been paid in full to the Original Creditor. I have requested both XXXX and Receivables Management Systems remove the entry, per the Fair Credit Reporting Act. I have provided both with proof to substantiate my claim.
02/09/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 20148	Web
I owed a medical bill to XXXX XXXX and they sent to collection agency. The amount owed was XXXX and collection agency continually increasing the amount and reporting on credit report and I made a payment to them for the bill and was not shown on credit report and did not apply toward bill. I just paid directly to XXXX XXXX the remaining balance minus the money already paid to collection agency.
01/30/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA XXXXX	Web
My understanding is that XXXX XXXX has assigned a debt to XXXX XXXX XXXX for collection and based on my research the balance is now {$100.00}. I became aware of the debt based on alerts from XXXX and XXXX and other than that have no information on the proposed debt. I received no information on any balance from XXXX XXXX and also have received no information on a balance from the collector.
11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19141	Web
I HAVE NOT RECEIVED VALADATION NOTIFATION BY MAIL OR ELECTRONIC PRIOR TO REPORTING TO MY CONSUMER CREDT REPORT FOR COLLECTION AGENCY LISTED BELOW : XXXX XXXX XXXX {$270.00} IF YOU CLAIM TO HAVE SENT IT YOU MUST PROVIDE PROOF OF ME RECEIVING IT, BECAUSE YOU DON'T HAVE PROOF UNDER THE LAWS OF THE FDCPA, YOU MUST REMOVE IMMEDIATELY OFF MY CONSUMER CREDIT REPORT AND AWARD ME {$1000.00}.
08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 17603	Web
I have disputed this account with both XXXX and Receivables Management Systems, and I read the Law XXXX, which clearly states that a paid medical collection, especially a disputed paid medical collection MUST be deleted from a persons credit. XXXX has failed to follow that law. They are continuing to report a paid medical collection despite my repeated disputes! I demand justice!
01/31/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23831	Web
Receivables Management has violated my rights under the Fair Credit Reporting Act and the Fair Debt Collection Act. I asked for proof and validation of the debt from Receivables Management, I explained that it was impossible for me to have a bill from their client as I have always had insurance. Receivables Management has failed to act responsibly in this matter.
08/19/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 20772	Web
My daughter and I have similar names and reside at the same address but have very different social security numbers, I was told by the creditor that is why the debt appeared on my credit report. The debt owed belongs to my daughter not me and needs to be removed off all credit bureau reports pertaining to me as soon as possible. Thanks in advance for the removal.
03/24/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	VA 231XX	Web	Older American
I did n't receive any information from this company yet it 's showing on my credit report. This is from 2010! I never received anything from them or from XXXX XXXX. I have found out that they should n't be contacting me because they never billed my insurance in 2010!!! The insurance company said they need to right it off since they never sumitted it to them.
12/15/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32746	Web
I pulled my credit report and noticed that I had XXXX XXXX a debt collector with that attempt to collect a debt for the amount that was not owed. I did ask for them to provide the original contract evidence or proof of the alleged debt that, including dates its as well as contracts or instrument bearing my signature. I have not received anything from them
04/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 17111	Web
I have indicated to the credit bureau as well as the creditor the medical bill had been paid to the original creditor and it is still showing as an unpaid bill. A payment was made through an XXXX account for the XXXX XXXX provided to the original debtor not a collection agency. I have not received correspondence or a bill from a collection agency
04/28/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 17402	Web	Servicemember
The original amount of the bills was {$71.00} with XXXX XXXX XXXX ( Medical ), however the collection agency Receivables manager company is changing more that was is owed, the original amount of {$71.00} has been paid, however the debt collector is reporting a balance owed of {$99.00} See Collection Agency Information on XXXX Report
06/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 775XX	Web
Asked for verification of debt sent two letters with no response twice over 30 days. I have verification from recieve receipts from USPS -Reporting Act 611 ( a ) ( XXXX ) and Section609 ( a ) ( 1 ) ( A ) -Please be advised that under Section 611 ( 5 ) ( A ) ( 7 ) of the FCRA you are required to DELETE all information that can not be verified
07/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29730	Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
09/21/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	DE 19958	Web
On XX/XX/18 I sent a letter to Receivables Management Systems with an attachment of what I think is in error of their amount due. Their bill is XXXX and I sent copies of bank clearing checks I sent to XXXX XXXX. I came up with owing {$54.00}. I do not ever recall my account going to collections while I continued to pay XXXX XXXX account.
03/03/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 180XX	Web	Servicemember
I submitted a dispute with XXXX XXXX through XXXX for XXXX XXXX XXXX XXXX XXXX. This dispute was placed on XX/XX/2021. Its now XX/XX/2021 and have not received no communication. Shows dispute is still pending and has been over 30 days. Legally by law if dispute is not resolved in 30 days, this needs to be removed off of my report..
12/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23228	Web
RECEIVABLES MANAGEMENT SYSTEMS at XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX has reported a medical debt to XXXX credit bureau in the amount of {$410.00}. I do not know this company. I have never done any business with this company. This company does not have any legal documents with my signature bonding me to this debt.
03/25/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75159	Web
I mailed a written request to this company asking for further verification of the alleged debt they are reporting on my credit history. It has been almost 6 months since I submitted this request and I have not heard back from them. This is a direct violation of my consumer rights in accordance to the Fair Credit Reporting Act.
03/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 236XX	Web	Servicemember
RECEIVABLE MANAGEMENT SYSTEMS is the debt collection agency. Original Debt stems from XXXX XXXX XXXX XXXX. I did not receive any medical service from them. I have always had medical insurance coverage and the amount they attempted to bill me is well beyond what I would have been billed even if I had received service.
09/27/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD XXXXX	Web
XXXX 2017 I received a phone call from a debt collector indicating that I have an outstanding balance from a medical service. I asked for them to send a notice of the debt and where it came from but I never received it. I have no knowledge of this debt therefore, I want this removed from my credit report immediately.
07/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19144	Web
In accordance with the Fair Credit Reporting act Receivables management systems has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
08/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77429	Web
Recmgntsys Opened XX/XX/2016 {$220.00} Original creditor : XXXX XXXX XXXX Overview {$220.00} Highest Balance {$200.00} Opened XX/XX/2016 ( 3 yrs, 4 mos ) Account status Open Type Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX Creditor Information RECEIVABLES MANAGEMENT SYSTEMS
11/16/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	VA 22407	Web
I sent a written cease and desist letter via fax on XXXX XXXX telling them that I would contact the originator of the alleged debt to work out any concerns. I received a notice from the RMS on the XXXX stating I had 10 days to pay them with fees and interest or they would contact the credit reporting agencies.
11/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22312	Web
I previously asked this collection agency to send me validation of this alleged debt pursuant to the FDCPA, instead I received a vague receipt with none of the information I requested. I sent another letter on XX/XX/2022 and I still have not received any response. I have attached the letter to my complaint.
01/25/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 23701	Web	Servicemember
On XXXX, 2022 I sent Debt collector, Receivables managements Systems, a cease and desist and demanded that they only contact me through mail. I stated precisely that no other mediums of communication were allowed, especially through consumer reporting agencies. The letters was delivered XX/XX/2022 2022
04/22/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 24017	Web
The company reported to the credit bureau that I still owe on a debt in which I submitted payment for. Through CFPB an agreement was reached that XXXX would satisfy full payment of a debt owed. I submitted the XXXX to the company, however, the company reported to credit bureau that I now owe {$61.00}
01/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 191XX	Web
I Settled these Medical Collections a long time ago. They are still reporting as a paid collection and unpaid collection on my credit. This is in flagrant violation of NCAP and qualifies this account as misrepresented. I have disputed the account before and they continue to report it! PLEASE HELP ME!
05/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 230XX	Web
Receivables Management Systems ( original creditor is XXXX XXXX ) continues to report I owe them money, however this account does NOT belong to me. I have asked them to remove this several times, it was removed on XXXX XXXX, 2015 & was put back on my credit report in XX/XX/XXXX.
06/19/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77041	Web
XXXX XXXX XXXX claimed that I owed them {$960.00}. However, I never used XXXX XXXX XXXX for my vehicle. I believe this to be due to the identity theft, which took advantage of my information. The XXXX XXXX XXXX ( phone # : XXXX ), is representing XXXX to collect such amount.
06/19/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NJ 079XX	Web	Servicemember
I was never given a chance to dispute the debt. I did not know about this debt since I turned the bill into the insurance company and was never given the chance to pay it. They had a wrong address on file and never sent me anything just reported to my credit report.
05/28/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23223	Web
As of XX/XX/2020, Receivables Management Systems is still reporting two collections accounts from XXXX XXXX that were paid by insurance. I've attempted to reach their office by the phone number provided on my credit report but have been unable to reach anyone.
08/30/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20746	Web
I reviewed my credit report and found a paid collection from Receivable Management Systems company in the amount of {$350.00}. According to my credit report, they were attempting to collect for XXXX XXXX. I do not ever recall going to XXXX XXXX for care.
01/24/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 21212	Web
I have been asking company to provide hipaa letter which by law is needed to collect medical debt and I also wasnt given a chance to pay the debt before placed on my credit report or given a payment plan which as to be offered before placed on XXXX
04/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 22556	Web
I have only used XXXX for my auto insurance and its saying something about XXXX XXXX for auto, however I only used XXXX. It says XXXX dollars debt thats in collections.. It says it was open XX/XX/2015. I have had XXXX for the past 6 years or more.
03/15/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	DC 20008	Web
I have attempted to submit a dispute on XXXX site, when I enter my information it tells me that my information entered is incorrect and forwards me to an open webpage. I have free formed my dispute twice and received not response or resolution.
07/29/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 22406	Web
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX phone : ( XXXX ) XXXX Date opened : XX/XX/2016 Balance {$410.00} I did not receive anything in writing which explained who the debt is with/cause of debt and rights to dispute.
12/20/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 23666	Web
1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.
09/20/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NC 28215	Web
This account has been paid and with {$0.00} balance. I have contacted the collector several times to honor our agreement regarding this pay to delete account. I have paid the account therefor is should not report on my file anymore.
02/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30044	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
04/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DE 19901	Web	Servicemember
XXXX XXXX is showing on my credit a collection in which I do not owe. I cancelled my insurance before the renewal when I was told my insurance would double due to an accident. I paid the account in full at the end of term.
04/03/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 191XX	Web
This is not my debt. I attempted to contact original debtor ( XXXX XXXX ) but was informed that I needed to resolve this issue with the debt collection agency. I contacted the agency and was advised to complete a dispute.
03/10/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 20748	Web
someone has used my personal information to open up this account that is not mine ... my information has been stolen and this was opened fraudulently i have filed a report with the police department regarding this matter.
08/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23453	Web
I am not liable for this debt with XXXX XXXX and I do not have a contract with REC MGM SYS plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$150.00}
12/13/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22192	Web
I need this removed from my credit report. It is stopping me from buying a house at this point. I never owed this money. They have not worked with me ..... Despite what they claim. PLEASE REMOVE THIS.
08/08/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 23061	Web	Servicemember
Provided no proof of debt during disputes and I have continuously disputed the debt with a credit reporting agency without any information on what the debt is from being provided by the organization.
12/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20715	Web
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.
03/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	VA 23602	Web
My insurance XXXX XXXX paid off this debt. The debt was recently removed from XXXX and XXXX and XXXX is still reporting its unpaid. I was never supposed to been billed because I have XXXX
10/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29483	Web
I paid this bill and the office sent me a check back. Im XXXX of 2021. I have been to the office multiple time after that appointment and they never informed me about a payment due.
01/28/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 21114	Web
my identity was used improperly to create this fraudulent account ... XXXX and XXXX have removed from credit bureau, but XXXX still has on my report.. i wasnt this account off!!!!
03/16/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21216	Web
Receivables Management Systems is listed as a collection on my XXXX credit report. The debt was paid directly to the original creditor, XXXX XXXX, prior to going to collections.
09/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29209	Web
I reported to the credit bureaus and to the collection agency sent letters of validation and I asked the credit bureaus to verify these accounts on several occasions
09/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 191XX	Web
I never received mail at my address. Never received an email or phone call. Never entered an agreement with this company. I do not know anything about this debt.
09/27/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 21117	Web
Debt was paid and still listed on my credit report as a open collection, called and spoke to a supervisorXXXX and still nothing was done to correct the issue
02/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 773XX	Web	Servicemember
I contacted receivable management systems about removing a collection from my credit report that was paid. They agreed to remove it once paid but did not.
05/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23451	Web	Servicemember
I filed a dispute in regards to the incorrect items on my credit report, its been well over 30 days and I have not received any investigation results
03/16/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 21244	Web
I do not owe any medical bill in this amount, this is inaccurate. My health care insurance pays it. Inaccurate data disputed and never heard back.
02/07/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 18974	Web
Receivables Management Systems is damaging my credit by illegally reporting collections on a medical debt of less than {$500.00}.
04/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 21220	Web
Patient first on credit report. Asked to verify account. Letter was received on XX/XX/21 but did not verify debt.
12/08/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 21220	Web
This debt was transferred to a collection agency not licensed to collect in Maryland. I am a Maryland resident.
09/23/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 20602	Web	Servicemember
This debt has not be verified to be mine. Company wo n't call back or respond to letters.
10/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 21244	Web
Unknown and I have never had business with this company.
01/20/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	PA 190XX	Web
I have no idea of the collection accounts
04/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA XXXXX	Web
Not my account
01/27/2024	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KY 40207	Web

01/25/2024	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 22406	Web

01/20/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78613	Web

12/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20708	Phone

12/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76017	Web

11/13/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23805	Web

09/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75001	Web

09/28/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20707	Web

07/16/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23805	Web

06/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23875	Web

06/01/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	VA 23112	Web

05/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23462	Web

04/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75241	Web

04/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	DC 20002	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22304	Web

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21136	Web

02/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21236	Web

02/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20784	Web

02/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20785	Web

01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 18031	Web

01/24/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23605	Web

01/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22181	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30127	Web

12/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30096	Web

11/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21229	Web

11/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21237	Web

11/01/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MD 21144	Phone

10/27/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08046	Web Referral

10/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 20165	Web

09/24/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 21237	Web

09/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23228	Web

09/08/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 23502	Web

08/26/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20850	Web

08/11/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30666	Web

07/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08103	Web Referral

07/11/2022	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	NJ 08724	Web Referral

07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30656	Web

07/07/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32803	Web

06/24/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20748	Web

06/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78216	Web

05/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 21401	Phone	Servicemember

05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23518	Phone	Servicemember

05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DC 20019	Web

05/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19604	Web

05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23223	Web

04/26/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 23456	Web

04/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 22194	Web

04/15/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20748	Web

04/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21117	Web

04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20772	Web

03/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	DC 20011	Web

03/12/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 22194	Web

03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75088	Web

02/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20772	Web

02/03/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22315	Web

01/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76112	Web	Servicemember

01/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20772	Web

01/24/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 23602	Web

01/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20904	Web

01/08/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23231	Web

01/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 72211	Web

12/31/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30345	Web

12/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23831	Web

11/24/2021	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	MD 20602	Web

11/24/2021	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	MD 20602	Web

11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77084	Web

11/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20720	Web

11/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19050	Web

11/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 22408	Web

10/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75234	Web

10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21208	Web

09/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75022	Web

09/28/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 20705	Web

09/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 90302	Web	Servicemember

09/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 21224	Web

09/09/2021	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	MD 20602	Web

09/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MD 20715	Web

09/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20748	Web

08/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19026	Web

08/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 21208	Web

08/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21122	Phone

07/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21236	Web

07/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20716	Web

07/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30305	Web

07/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23231	Web

07/13/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23462	Web

07/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20695	Web

07/07/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	MD 21229	Referral

07/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21229	Referral

07/05/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07650	Web

07/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20747	Web

06/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 21215	Web

06/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20747	Web

06/18/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22191	Web

06/16/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23453	Web

06/15/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23505	Web

06/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 756XX	Web

05/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

05/19/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23505	Web

05/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23324	Web

05/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 20602	Web

05/12/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23462	Web

04/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76014	Web

04/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93065	Web

04/15/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 21133	Web

04/14/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77584	Web

04/14/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 23320	Phone

04/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75219	Web

04/12/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08081	Web

04/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23453	Web

04/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23222	Web

03/28/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77089	Web

03/26/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23464	Web

03/23/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 76522	Web	Servicemember

03/22/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 23453	Web

03/21/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 21136	Web

03/17/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23464	Web

03/16/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 22403	Web	Servicemember

03/11/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23462	Web

03/04/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 22546	Web

02/24/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 20613	Web

02/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23223	Web

02/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23223	Web

02/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75056	Web

02/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23608	Web

02/04/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23471	Web

02/03/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MD 21205	Phone

02/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23223	Web

01/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 17921	Web

01/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23223	Web

01/10/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 23462	Web

01/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23223	Web

12/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77054	Web

12/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	DC 20002	Web

12/05/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20743	Web

11/19/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78759	Web

11/18/2020	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD 20724	Referral

11/16/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75126	Web

11/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28215	Web

10/05/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	DC 20002	Web

10/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21040	Web

09/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19464	Web

09/28/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20744	Web

09/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23452	Web

09/23/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20720	Web

09/21/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20744	Web

09/11/2020	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 23235	Web

08/13/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 19335	Web

07/28/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19144	Fax

07/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20619	Phone	Servicemember

07/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23666	Postal mail

06/23/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23701	Fax

06/06/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72116	Web

06/02/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 23518	Web	Servicemember

05/12/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect		Phone

04/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20602	Postal mail

04/10/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 21001	Web

04/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08096	Web

04/01/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 21206	Phone

03/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20794	Web

03/02/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 23666	Web

02/25/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 24017	Web

02/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 22042	Web

02/11/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23602	Web

01/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28210	Web

11/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23832	Web

11/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20721	Web

11/13/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78217	Web

10/10/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 18969	Phone

10/09/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29445	Web	Servicemember

09/25/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32803	Web

09/18/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 17402	Web

09/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21220	Referral

09/06/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MD 21244	Referral

08/26/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23831	Web

08/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22042	Web

08/02/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 19464	Web

07/22/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08610	Web

07/21/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 18014	Web

06/25/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MA 02492	Referral

06/23/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 23234	Web

06/06/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 23462	Web

05/27/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23222	Web

04/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23606	Referral

04/14/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 21244	Web

04/07/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21206	Web

03/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20602	Web

03/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72116	Web

03/08/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 20176	Postal mail

03/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 22443	Web

02/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect		Phone

11/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23805	Web

10/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53219	Referral

10/13/2018	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	VA 22204	Web

08/09/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MD 21218	Web

08/09/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MD 21218	Web

08/03/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23237	Phone

08/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23237	Web

05/25/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23805	Web

05/18/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 20748	Web

05/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23805	Web

04/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21826	Web

04/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07753	Fax

04/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19970	Web

03/13/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75060	Web

02/18/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 21904	Web

02/18/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 21904	Web

02/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20613	Web

02/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23320	Web	Servicemember

02/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23237	Web

02/01/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23237	Web

01/26/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23466	Web

01/25/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78702	Web

12/28/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MD 21218	Web

12/27/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28092	Phone

12/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23237	Web

12/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NC 27616	Web	Servicemember

12/01/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 17360	Web	Servicemember

10/25/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 20710	Web

10/18/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20603	Postal mail

10/11/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21133	Web

09/29/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 21218	Web

09/07/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 21030	Web

09/06/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21227	Web

06/13/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 20747	Web	Servicemember

06/12/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 20747	Web	Servicemember

05/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34698	Web

05/05/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98231	Web

04/04/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	VA 23464	Web

03/16/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MD 20746	Web	Servicemember

03/10/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 20852	Web

02/28/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MD 20735	Web

02/22/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 23112	Web

02/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	MD 20866	Phone

02/09/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 23141	Web

02/07/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MO 65201	Web

01/03/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	PA 19083	Web

12/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30127	Web	Servicemember

12/16/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 23805	Web

12/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 21114	Web

12/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 21230	Web	Servicemember

11/03/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 23059	Web

10/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 21229	Web

10/06/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 21133	Web

09/26/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 21229	Web

08/15/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77089	Postal mail

07/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 19070	Web

06/01/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	VT 05452	Web

05/17/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 21122	Postal mail

04/18/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	VA 22554	Web	Servicemember

04/06/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 20744	Web	Servicemember

01/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20724	Web	Servicemember

01/04/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MD 21060	Web

12/29/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20724	Web

12/03/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20724	Web

10/14/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 23325	Web

07/21/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	VA 23464	Referral

07/21/2015	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	MD 20623	Web

05/20/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 23234	Web

05/02/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 23320	Web	Servicemember

04/20/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	VA 23225	Web

04/19/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 21136	Web

04/15/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MD 21030	Web

03/11/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	VA 23220	Referral

01/20/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	VA 23464	Web

01/15/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 23666	Web	Servicemember

01/11/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	PA 18104	Web

11/21/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30253	Web

11/19/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 22508	Web

11/19/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 22508	Web

10/29/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 17402	Web

08/22/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 23323	Web	Servicemember

08/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	PA 18032	Web

07/14/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	VA 23220	Web	Servicemember

07/11/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	VA 23116	Web

07/02/2014	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	VA 22556	Web

06/28/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 17013	Web

05/21/2014	Yes	Debt collection Medical	Communication tactics Called outside of 8am-9pm	CO 80216	Web	Servicemember

04/24/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32068	Referral

04/22/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 21014	Web

03/20/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 22026	Web

02/14/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	VA 23233	Web

11/27/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 21043	Phone	Servicemember