| 08/09/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
My name is XXXX XXXX, just after my XXXX birthday on XXXX XXXX, 2012, I went to XXXX XXXX XXXX center for an XXXX. I was brought directly into the XXXX and my mother and father filled out the paper work, putting their information in the phone number and address section, by mistake. After receiving treatment I paid the hospital in full and got a receipt of payment.
After paying the hospital, I thought that everything was handled and taken care of. I am now XXXX, and looked up my credit score, before applying for a credit score. I then found that I have an account in collections through a company of RBC collections, in XXXX, OH for {$400.00}. So I called RBC and they said that XXXX XXXX XXXX XXXX XXXX, billed my for services provided by the doctor, even though I paid the hospital. At this point I ask if there is anything they can do to lessen the amount, because I do n't feel I owe them that money. RBC replied that they contacted my father and mailed papers to my father, and he replied back by telling them not to contact him with my debts. So RBC sent the debt into collections without ever contacting me, I was never aware this existed until I saw the debt on my credit score.
I then told RBC that this is the first time that they have had contacted me and that I need a validation of debt within 5 days in accordance with the Fair Debt Collection Practices Act, or their is no way I 'm paying the bill and I will ask for the account to be closed. The woman from RBC then replied that there is no way they can work with me on the price because the account has been in collections for so long, and because my father never replied to the letters they mailed years ago, the debt is already validated, and there is no way I would be able to close the account, without paying it in full. Well the FDCPA reads, within 5 days of first contact from the collections agency to the consumer, a validation of debt must be mailed out.
It has yet to be 5 days, but when the lady from RBC said that she contacted my parents, and they did n't reply it validated the debt, it presents a major issue, as that is not in accordance with how the law is written. She also told me that since that 's the information I provided her client it is valid, but my parents provided mercy medical with that information not me, and it was given to the hospital not the doctor or the company the doctor went through to start the account. I do n't feel as if proper legal steps were made in this case, and that the account should be closed.
|
| 06/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : XXXX XXXX XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX College v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX XXXX.
|
| 04/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I request that RICHLAND BUREAU OF CREDIT # XXXXformally substantiate account data RICHLAND BUREAU OF CREDIT conferred to the major credit bureaus for me, XXXX XXXX XXXX , with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after it was acquired. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak RICHLAND BUREAU OF CREDIT desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. Thanks sincerely for your assisting me.
|
| 06/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received notice in the mail to my new address from a company named RBC on XXXX XXXX, XXXX saying my husband and I owed our previous landlord {$4500.00}. We sent a letter by mail on XXXX XXXX, XXXX by certified mail requesting they needed to verify this debt. They sent a letter back with copies of our old lease dated from XXXX to XXXX. and an itemized list of what the money was supposedly spent towards with old landlord 's information on the bottom, no other information. We just received another letter stated we needed to start monthly payments for this debt but we have not lived there in over a year. We didn't owe anything and he took our last month 's rent to the eviction court. We didn't even know we were evicted. We just saw the eviction on our record after receiving this letter. We are unsure what is going on or how to fix this man from trying to tarnish our credit and records with false information. We left because he told us he didn't want our rent anymore we received a three-day notice and moved.
|
| 08/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a vicitim of identity theft I have contacted XXXX multiple times supplying them with a certified NOTARIZED police report from the XXXX Texas Police Department. I have also contacted the FEDERAL TRADE COMISSION submitting a FTC identity theft affadavit concerning the Fraudulent acitvity that needs to be deleted from credit report. I have contacted the furnishers ( XXXX XXXX XXXX XXXX ) / ( RBC COLLECTION AGENCY ) to notify them by law that the accounts opened under my personal information were all done without my permission and needs to be immediately deleted.
1. XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$110.00} 2. RBC {$350.00} opened XXXX XXXX original creditor : XXXX XXXX XXXX 3. RBC {$180.00} opened XX/XX/XXXX original creditor XXXX XXXX XXXX FRAUDULENT INQUIRY XXXX / XXXX XX/XX/XXXX XX/XX/XXXX
|
| 02/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I received a notice of collection on a bill that I never received. I went ahead and paid the collection because I didnt want it to make a negative impact on my credit. Afterword I called the creditor, XXXX XXXX to complain that it has been sent to collections without receiving a bill. They claimed they had sent several bills, but said I could go ahead and pay it right then. If this truly went to a collection agency, how could I pay them? It seems to me, that they are sending out collections on bills rather than just sending out the bills. As I understand it, collectors buy the debt from creditors. But I received a bill from the collector, and then the creditor still tried to except money for it. This seems off to me.
|
| 04/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been frequently called by XXXX claiming the business as " RBC '' in XXXX, OH ( upon further research, they go by multiple names : Richland Bureau of Credits , Medical Service Bureau, RBC , Inc., Richland Bureau of Credits Medical Service Bureau , Inc., Richland MSB ). They have called me more than once a month for about over a year now. I have since blocked their number, but now am receiving new calls from XXXX ( XXXX XXXX - XXXX, FL ). I know the debt I have due and it is not to any of these agencies. None are providing information on the amount or type of debt owed. I have since blocked the XXXX XXXX number as well. Additionally, I do not live in either Ohio or Florida.
|
| 05/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 05/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 01/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Today XX/XX/21, I received a letter from RBC stating I had an outstanding debt for {$77.00} from the original creditor XXXX XXXX XXXX. They stated I had 30 days to send written notification to validate this so called debt. I immediately called XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, OH XXXX to inquire if had an outstanding balance. The lady I spoke with informed me that I did have an outstanding medical bill for the total amount of {$57.00}, I paid her over the phone, confirmation number : XXXX. RBC states in this letter I owed more than the original creditors balance. They was trying to pocket {$20.00}.
|
| 01/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have never done business with these company and they are saying this is medical debit. I have never done business with these company and through HIPAA laws no one can sell any of my medical debit under this law. This can not be my debt due to the fact that I have not done business with this company. I have not contacted this company due to this is not my debt and I have never done business with them. I do not want to speak with them and have them take my information and use that information against me. I will not speak with them.
|
| 01/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have never done business with these company and they are saying this is medical debit. I have never done business with these company and through XXXX laws no one can sell any of my medical debit under this law. This can not be my debt due to the fact that I have not done business with this company. I have not contacted this company due to this is not my debt and I have never done business with them. I do not want to speak with them and have them take my information and use that information against me. I will not speak with them.
|
| 11/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately. Account : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX
|
| 07/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2018 RBC Inc. put a negative mark on my credit report account. This was a medical bill that was not presented to me in any form of communication formatting. I found out thru pulling my credit report that there was a negative remark by the name of RBC Inc . I tried calling the company but could not find any contact information on the company. This negative mark affected all 3 of the bureaus and has greatly lowered my score.
|
| 01/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed this debt that isnt mine multiple times. RBC only adds a remark that Im disputing this debt. I have asked them to send me a letter as to what this item is and they have refused. I spoke with a rude representative named XXXX and also spoke with another lady who advised me that they wont send me any letters validating this debt since I refuse to pay. I cant and am not paying for something that isnt mine.
|
| 08/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
RBC , Inc has been attempting to collect a debt that is not mine. I have sent previous mail back. The debt is for XXXX XXXXXXXX XXXX XXXX. I have never been a patient of or received services from XXXX XXXXXXXX XXXX XXXX. The amount owed is stated as {$160.00}. Their contact phone number is XXXX. I am attaching a copy of the latest debt collection attempt that was sent to me via mail.
|
| 01/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have NEVER heard of this company. I have NEVER had any relationship with them. I do not owe them anything. I have always had insurance and never received a bill of any type. I want this to be removed As soon as possible. I have requested documentation and nothing was received. This is unacceptable and need to be removed IMMEDIATELY!!!
|
| 10/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was taken a look at my credit karma report and I see a collection debt account for {$330.00} from RBC for XXXX XXXX XXXX I have no knowledge of this company account with RBC or any radiology taken in XX/XX/2017 This is only collection account on my credit report and i would like it removed
|
| 02/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I have derogatory notices on my credit from a company called RBC. I took my son and his daughter to an emergency room. My son did not have his ID with him, so in order to have my grandaughter seen i gave my ID. I have disputed this bill many times without success
|
| 04/08/2017 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
This account was opened i n 2012 a nd I believe the information on this account is wrong. This account should have been removed a while ago. I am not sure if this account even belongs to me.
|
| 06/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX placed a collection on my credit report that does not belong to me. i have not signed any documents or agreed to any terms for treatment from their collectee, XXXX XXXX XXXX.
|
| 07/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Consumer has communicated to RBC and asked this company for validation of debt with no response consumer has sent request on the date of XX/XX/2020. with a
|
| 09/24/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am being charged for something that does not belong to me. I have no knowledge of my the is hitting my credit.
|
| 03/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Nothing has been done still on my credit report
|
| 06/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/03/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 05/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 03/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 01/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 12/03/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Fax |
|
|
|
| 03/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 08/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Fax |
Servicemember |
|
|
| 05/23/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/07/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 01/07/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/10/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/08/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/24/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|