The Receivable Management Services LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/08/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
COMPANY NEVER RESPONDED Company never provided any valid evidence of debt within the 30-day time frame from a dispute filed with the credit bureaus. I Requested information from creditor by affidavit ( from a commissioner of the court ) and the company did n't provide any information requested but sent a printed unsigned ledger nor did they remove any debt from my credit report. Certified Mail # XXXX NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This letter is being sent to you in response to a computer generated, unsigned letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant 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 the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) 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 any copy of a judgment, or the name and address of the original creditor, and a copy of such validation and verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. BLACKS LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. VALIDATION. Proving the validity of accuracy of the claim. Counter Claim with Self-Executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has firsthand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above-referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor You are the second party that has written a letter purporting to represent, or have as your client, and the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer-generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASIGNS ********************SILENCE IS ACQUIESENCE******************* NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. Seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : 1. The name and address of the organization or other governmental unit alleging a debt ; 2. The name and address of the person or persons in that organization or other governmental unit alleging a claim of debt ; 3. The name of the actual creditor even if that is myself ; 4. The origin of the funds used to create this alleged claim of debt 5. The actual records of the organization or other governmental unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. 6. The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt. 7. The actual records of the organization or other governmental unit with a live signature on any and, all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by similar name. 8. Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. 9. The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 -1601 et. seq and Regulation Z. 10. The actual records of the organization or other governmental unit showing that any, and all documents /instrument ( s ) containing my signature or likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt. 11. The person that prepares and swears to the validation of debt must describe:1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) How long have you been in your position ; 4 ) When did you first come in contact with the alleged account/debt ; 5 ) How frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; and 7 ) Do you have personal knowledge about the alleged debt and/or any alleged account. 15 U.S.C -1692 ( e ) states that a false, deceptive, and misleading representation, in connection, with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice. Pursuant to 15 U.S.C -1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collections Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities. This is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any, and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each, and every attempted contact, in violation, of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any, and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and, every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and /or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt. Further, pursuant to the Fair Debt Collection Practices Act 15 U.S.C 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal or holder in due course, for whom you are attempting to collect this alleged debt. Please take notice that this legal notice will be forwarded as a criminal investigation of the business practices of the above, named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your claims of collection of a purported debt appears to be founded upon a false record in violation of U.S.C Title 18 -2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C Title 18 -471,472,473and or 513, and further using corrupt business practices to make and possess false records and claim if obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C Title 18 1961 et.seq and further using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C -1341 Frauds and Swindles laws, and further sending mal with false and fictitious names, criminal conduct falling under Title 18 U.S.C -1842 Fictitious Names. IE XXXX XXXX. ALL INFORMATION WILL BE FORWARDED TO THE TEXAS INSPECTOR GENERAL OFFICE AND IRS CRIMINAL DIVISION TO INVESTIGATE RECEIVABLE MANAGEMENT UNDER THE BANKING SECRECY ACT AND THE PATRIOT ACT UNDER AS WELL AS ALL MONEY INSTRUMENT TO BE DISCLOSED. TAKE NOTICE RECEIVABLE MANAGEMENT failure in providing respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act, Banking Secrecy Act, Patriot Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : A. ) Debt collector has no lawful, bona fide, verified claim, re the listed accounts : # XXXX** B. ) Debt Collector waives any, and all claims against respondent C. ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any, and all continued collection attempts, re the above-referenced alleged accounts. D. ) Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice us a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any, and all references to said accounts in any, and all credit reporting agency files of any type. This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure on and for the official public record with a signed affidavit attached is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be valid, honest contract See Eads V Marks 249 P. 2d 257,260 Furthermore Title 12 U.S.C -411 Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose, of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of XXXX, District of Columbia, or at any Federal Reserve bank.
10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23666	Web
PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS! FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter. 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : NA 6. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX 8. Chapter XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 9. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 12. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 13. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 16. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 17. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 18. XXXX Account Number : XXXX Please remove it from my credit report. XXXX XXXX
04/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	VA 22202	Web
To Whom It May Concern I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Accounts Requiring Immediate Removal from All 3 Credit Bureaus XXXX, XXXX and XXXX : Receivables Mgmt for a debt you claim I owed of {$44.00} that is reporting as a Collection/Charge Off 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. 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. 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 : Zero out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. 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.
06/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 39503	Web	Servicemember
I contacted this company explaining that I found this debt on my credit report and was not accurate, I called several times to XXXX who has told me that I needed to contact Receivables Mgmt Svcs, LLC that they can not help me because the debt was sold. I talked to RMS on the phone explaining that at the time they show I owe this debt I had insurance with another company and my current company stated I can't have 2 insurance policies running at 1 time and that XXXX should not have been in effect. I contacted my state Attorney General 's office who got me into contact with an attorneys office which helps in matters like this that told me to send the below letter which was sent XX/XX/XXXX and delivered on XX/XX/XXXX I then contacted them back on XX/XX/XXXX and asked why I had not received any correspondence on this matter and was given the name of XXXX XXXX and phone number of XXXX to contact. I tried to contact the number and keep getting a voice mail. I then contacted RMS back and told them that all day the phone was going to a voice mail and the woman explained that wasn't her problem and that her office no longer handles this account. I explained I sent a certified letter and wanted information on what was happening and that my next step was to file a complaint with the consumer finance agency. she put me on hold and a man came on the line who explained he was a manager and told me to file any complaint I think I needed to file. I told him that because of this I found out that my insurance premiums was adversely affected and went up do to my credit rating and he told me he did not care and that it would keep affecting my credit and hinder my ability to get home and car loans if it was not paid. I told him this was not my bill and that I was going to file a complaint and he then told me " I don't care who you file a complaint with they can't force us to do anything because we are a private company '' I told him that I was going to file a complaint with you when I got home and he told me to go cry to anyone I needed too and that your agency was a joke and couldn't enforce anything. I am also currently working with an attorney to get this matter into small claims court and found these on all 3 credit reports. I am filling separately on each of the credit reports and working to get my case started when it reopens because of this COVID-19 XX/XX/XXXX Receivable Mgmt svcs, LLC XXXX XXXX XXXX, XXXX, PA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim my account was charged off {$180.00} Yet again, you 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. Additionally, 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, you 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 signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against Receivable Mgmt Svcs, LLC. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. Page 1 of 2 My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX Last 4 of SSN XXXX Page 1 of 2 P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
03/20/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29210	Web
ISSUE : I purchased an airplane ticket in XX/XX/XXXX through XXXX. XXXX XXXX charged my XXXX XXXX XXXX/XXXX credit card. XXXX is the merchant of record. In background I will detail below, I disputed the charge. In accordance with Federal Regulation Z, the case was settled in pre-arbitration in my favor. XXXX accepted full responsibility for the charge, as stated in the attached document from the pre-arbitration agreement. I am not responsible for the debt. Now, XXXX ( XXXX ) has Receivable Management Services ( RMS ), a debt collection company, to collect {$1100.00} from me even though XXXX assumed responsibility for this debt in pre-arbitration records. I only learned of the pre-arbitration agreement between XXXX XXXX XXXX and XXXX in the last few weeks. BACKGROUND : XX/XX/XXXX : I purchased a ticket through XXXX for a work purposes. I also purchased insurance that was described as covering work-related issues for cancellation. On the same day I notified my colleagues that purchased the insurance " if something unforeseen happens in the next two weeks. '' This is a indication of my understanding of the insurance as displayed at the time of purchase through XXXX. XX/XX/XXXX : The workshop I was attending as cancelled. XX/XX/XXXX : I attempted to work with XXXX to resolve this. I filed with the insurance. XX/XX/XXXX : My claim was denied. I was then told of the specific criteria for the insurance. This led me to believe that XXXX misled me with their cancellation and insurance policies. XX/XX/XXXX : I filed a dispute with XXXX XXXX XXXX/XXXX. I disputed the charge by XXXX under Federal Regulation Z. XX/XX/XXXX : I sent XXXX XXXX XXXX supporting documentation as requested. XX/XX/XXXX : I received a letter from XXXX XXXX XXXX that XXXX did not agree with the dispute and to send more evidence. XX/XX/XXXX : I sent a letter to XXXX XXXX XXXX arguing that this is an issue between XXXX ( the merchant of record ) and XXXX. XX/XX/XXXX : XXXX emailed me inquiring about the {$1100.00} dispute. Confused, I sent them what I provided XXXX XXXX XXXX/XXXX. However, I told them to talk with XXXX. XX/XX/XXXX : XXXX emailed again stating I was responsible for the charge. I emailed back stating otherwise and told them to talk with XXXX XXXX XXXX/XXXX. This email had a harsh tone. XX/XX/XXXX : XXXX emailed back threatening that the case will be " escalated to another department. '' XX/XX/XXXX : I received the letter from Receivable Management Services. XX/XX/XXXX : I spoke with XXXX XXXX XXXX and learned that XXXX has agree, after my second letter, to no longer engage in the arbitration process. I won the dispute and XXXX accepted responsibility for the {$1100.00}. I am no longer accountable for the charge. I asked for a letter stating this. XX/XX/XXXX : I met with an assistant bank manager at my local XXXX XXXX XXXX to acquire a letter. I was told it would take several days. XX/XX/XXXX : I called RMS to state that I was not responsible for the debt as it was settled between XXXX XXXX XXXX/XXXX and XXXX, the merchant of record. I told RMS that I was working on documents to support this. The person I spoke with, XXXX XXXX, to send that in, they would wait, and this would settle the situation. Upset, I then called XXXX XXXX XXXX to inquire of the status of the letter. I was told that it would not have any mention of the pre-arbitration agreement. I was told a dispute/charge back case worker would call me. XX/XX/XXXX : XXXX XXXX XXXX called me. I explained the situation. The case worker told me that requesting proof of the pre-arbitration agreement was unusual because Federal Regulation Z protect me from any entity coming after me for a debt that has been successfully disputed. The case worker did send me the second page of the pre-arbitration agreement showing XXXX accepting responsibility as the merchant of record. XXXX XXXX XXXX also explained that XXXX has no right to seek this debt. Please note that the full pre-arbitration agreement could not be provided due to the inclusion of bank routing numbers for me, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX bank, and XXXX. XX/XX/XXXX : RMS sent another letter, despite saying they would wait for my documentation. XX/XX/XXXX : I received the documentation from XXXX XXXX XXXX that I requested XX/XX/XXXX. XX/XX/XXXX : I emailed RMS as XXXX. In the email, I stated I am not responsible for the debt, the issue is between XXXX and XXXX ( XXXX ), and I am protected under Federal Regulation Z. I explained and attached the documents from XXXX XXXX XXXX. XX/XX/XXXX : I called RMS to notify them that I was evoking my rights under the consumer protects of the Consumer Financial Protection Bureau, sending them a cease and desist letter, and filing a complaint with CFPB.
11/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77070	Web	Servicemember
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 MGMT SRVC ( XXXX XXXX ) ACCT # XXXX. I pull my credit report for 1st time on XX/XX/XXXX not nothing that this collection was on my credit report. I found out I have a right as consumer because I didnt even know that this was on my credit report. So, I found a letter that I can use to dispute this collection on the website of FTC. So, I sent them a letter of validation which I mailed certified on XX/XX/XXXX ( I have attached the letter I sent them ). They received it on XX/XX/XXXX and respond back with a letter on XXXX XXXX of verification I didn't ask for verification I ask for " VALIDATION '' .THE LETTER THEY SENT DOESN'T EVEN SHOW THE CORRECT ACCOUNT NUMBER ON MY CREDIT REPORT. I not only wrote them to give me 'VALIDATION '' but the 3 credit bureaus who are breaking laws of the FCRA . 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. The last time they say I made a payment doesn't match anything on my credit reports. ( 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 : US Court of Appeals Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. The result if file in court damage incurred by the wrong parties as deemed by the court. I have told the 3 bureaus that RECMGMT SRVC is reporting these things incorrectly. 2 ) RECMGMT SRVC : They are also in violation failing to report a disputed debt to the credit bureaus. Protection under the FDCPA SECTION 807 ( 8 ) FINE 1000.. I have a copy of my credit report on XX/XX/XXXX and on XX/XX/XXXX showing they didn't follow the law.. 3 ) If collection Agency doesnt validate a debt and continually to pursue collection activity. The consumer protection afforded by the FDCPA Section 809 XXXX b ), FTC opinion letter XXXX from XXXX. XXXX {$1000.00}. The Credit Bureaus are also continually refusing to correct information after I have proved them proof of inaccuracies. Which is defamation, willfully injury. FCRA Section XXXX23 CUSHMAN V. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F. 3d 220, June 9, 1997, Filed ( D.C. No.95-cv-01743 ) 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 XXXX. 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. Please delete this items from my report immediately.. These accounts have hurt my ability to obtain credit
08/03/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AR 72116	Web
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 had posted an alleged collection account to my credit profile. My report shows that it is an open account and was opened on XX/XX/2018 with a balance of {$150.00}. Once I saw this account on my credit report, I IGNORANTLY paid the debt to Receivables Management because I was in the middle of a purchase. They told me that the best thing to do was to pay the debt even though I explained to them that I had no debt with them. So I told them that, even though the debt was NOT mine, that I would pay the debt because it was hurting my credit profile. I, a consumer defined under 15 USC 1692a ( 3 ), told them that my payment was NOT my admission or acknowledgement that the debt belonged to me. It was only because I needed it to be paid to finish making a major purchase. However, I recently learned that a debt collector is supposed to make contact with an alleged debtor about an alleged debt and give them time to respond. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they can automatically assume the debt belongs to a particular person. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received contact stating that I have an alleged debt with this company and owe a balance on a certain account. Again, I had absolutely no knowledge of this account with them and was not contacted before the account was posted to my credit report. I now understand that, under the FDCPA guidelines for collection agencies, a debt collector has 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 an 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 without following federal FCRA and FDCPA, I would have not paid them before respectfully requesting 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 or contact about this account ever in the mail or phone call. They illegally posted and reported to my credit file without adhering to the FDCPA laws. I feel like I was scammed because I paid them, yet they didnt follow the FRCA or FDCPA laws. 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 scores dropped tremendously in the middle of making a major purchase. Please help me get his account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. Receivables Management LLC XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA XXXXX	Web
You all reporting a open status on a collections by the name of receivable management services collection which isnt the original creditor account which is closed please delete incorrect information Immediately This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { XXXX }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 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 that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this 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 to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such 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 listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards
06/03/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77469	Web
I XXXX XXXX am a person, non-adverse, non-belligerent, non- combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you Receivable Management Services LLC to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. Receivable Management Services LLC must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for Receivable Management Services LLC to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and Receivable Management Services LLC. Providing that Receivable Management Services LLC is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate. I also request the following documentations listed bellow to be certified and sent with your response. Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to. ( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
10/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN 46516	Web
I noticed an account on my credit reports from a company called THE RECEIVABLE MANAGEMENT that I never had any business relationship with. THE RECEIVABLE MANAGEMENT was attempting to collect on a an alleged debt in the amount of {$250.00}. I sent THE RECEIVABLE MANAGEMENT a DEBT VALIDATION LETTER via certified mail XX/XX/2023 requesting the agreement between THE RECEIVABLE MANAGEMENT and myself and the original application for the account. THE RECEIVABLE MANAGEMENT violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity.. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) THE RECEIVABLE MANAGEMENT was required to cease collection efforts until the alleged debt was validated but failed to do so. THE RECEIVABLE MANAGEMENT continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I also disputed this fraudulent THE RECEIVABLE MANAGEMENT account with the credit bureaus. THE RECEIVABLE MANAGEMENT however continued reporting this fraudulent THE RECEIVABLE MANAGEMENT account with the credit bureaus. I saw the fraudulent THE RECEIVABLE MANAGEMENT account XXXX, XXXX and XX/XX/2023 on my credit reports. I then sent THE RECEIVABLE MANAGEMENT a FAILURE TO RESPOND letter via certified mail XX/XX/2023. THE RECEIVABLE MANAGEMENT violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. THE RECEIVABLE MANAGEMENT violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. THE RECEIVABLE MANAGEMENT violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) THE RECEIVABLE MANAGEMENT was required to cease collection efforts until the alleged debt was validated but failed to do so. THE RECEIVABLE MANAGEMENT continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, THE RECEIVABLE MANAGEMENT FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via certified mail XX/XX/2023. THE RECEIVABLE MANAGEMENT violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent THE RECEIVABLE MANAGEMENT account XX/XX/2023 on my credit reports and it is still there as of this filing.
12/15/2015	Yes	Debt collection Auto	Taking/threatening an illegal action Attempted to/Collected exempt funds	NY 146XX	Web
My name is XXXX XXXX in XXXX of 2015 I went to XXXX company located on XXXX XXXX in XXXX, Ny. I got insurance from a broker from the company, at the time I had another quote for insurance some where else. I explained to XXXX what I needed, the broker stated she could get me cheaper insurance through XXXX and beat out the other insurance company I was going to. Ok fine, I like to save a little money so I went with XXXX. XXXX gave me XXXX as my insurance carrier. I paid the insurance to activate my policy in XXXX. In XXXX XXXX wanted me to proof household members. I signed XXXX different forms for progressive stating my daughters XXXX XXXX, and XXXX XXXX are not drivers. I had to sign the form for XXXX and then again for another person XXXX XXXX who I do n't even know. Ok fine I will sign these people do not drive my vehicles to keep the policy at a reasonable amount. Still with all that, XXXX kept e-mailing me and writing when the policy was due that I owe XXXX per month for insurance. I would call XXXX to let them know that XXXX is e-mailing me and writing stated my policy is more than what I agreed to. XXXX would say no, your monthly pay is XXXX dollars that is what I excepted when I went to them in XXXX of 2015. I would pay my premium with XXXX over the phone with my debit cards. Each month since XXXX I had an issue with this policy through XXXX. I called XXXX so much each month to report XXXX writing me about that policy I did not agree to. XXXX kept telling me do n't worry about it we will get it fixed. In XXXX XXXX said ok we are going to find you another policy because this is to much. They got me another policy through XXXX. I have had XXXX since XXXX 2015 and XXXX is still stating I owe them XXXX for the policy. First I never agreed to the policy XXXX was trying to give me. I never paid XXXX for any premium, I paid XXXX to them since XXXX 2015. I 'm writing you today because XXXX is sending me letters form R.M.S an collection agency for the remaining balance that I do not owe. I never signed any paper work stating I wanted the high policy. In XXXX I agreed to what I could afford for insurance. There is no paper work signed from me XXXX XXXX for a high policy. I have received two letters already for collection action against me. I have called and called XXXX to get this fixed. XXXX keep stating it should had been fixed already. I called XXXX again on Thursday XXXX, 2015 and told them that XXXX is still writing me about the policy and now the collection agency are calling my home leaving me messages daily about this action. I need help with this, because I do not owe XXXX anything. I do not want this on my credit report, I have enough things to clear up already. Today I called XXXX again spoke with broker, she is the one who I been dealing with since XXXX, 2015. Broker stated today she believes XXXX moved the collection on there end, but has not reach out to R.M.S to let them know to remove the {$1100.00}. She stated she has called Marketing, this person, that person to get this cleared. I very frustrated with this. I 'm still dealing with this issue since XXXX 2015.
12/29/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OH 44130	Web
On Friday, XX/XX/2017, at approximately XXXX., I received a call from my supervisor, stating that she received a call from a XXXX XXXX , who was claiming to be a dispatcher from a XXXX XXXX XXXX , who was en route to serve me papers for a debt. I am off work sick, and am not at work. I found this to be odd, as payday loans do not use these tactics. I then returned the call to the phone number provided which is ( XXXX ) XXXX. I called this number and asked for a XXXX XXXX, which at that time, I was advised that that individual is not a representation of the company I called. I assumed at this time I was speaking to a rep from XXXX XXXX, but realized I was speaking to a rep from XXXX XXXX XXXX. I then immediately asked the person on the line what is this pertaining to? I expressed displeasure that this is the second time in about 2+ years that I received these types of calls. The caller ( who I never identified ), asked for my social, which I confirmed the last four. He then proceeded to tell me there is a legal case and that any information would be provided at discovery. I immediately stated that I do not wish for him or any of his representatives to contact my employer for any reason. I stated that I would have my attorney contact them as well with this request. The male caller, and I had a semi-heated discussion. He felt that I was rude and threatened to hang up and not help me. I may have become upset during the conversation, because the tactics of threatening to serve someone with papers is not only extreme, but not a practice Ohio uses in this manner. He also then stated that since I would need a lawyer, they can contact him. I stated I will handle my own affairs, and if I need representation then I would get it at that time. After repeatedly stating that I had no issue paying the debt with proof, and getting no where with the caller. He stated that I am a " Quality Debtor or " Experienced Debtor '', or some reference similar and hung up. I then called back wanting to speak to a supervisor, and got the same male on the phone. I then advised him, that I called, but since a person was hiding behind the phone, I could not get anywhere, I am calling back. He then stated " hiding behind the phone? '' and hung up again. I then called XXXX XXXX XXXX, and a spoke to XXXX at approximately XXXX XXXX, and advised her briefly of the incident. She did mention that my debt was sold to Receivable Management Services ( Account # XXXX for {$720.00} ), I had this similar experience about 2 years ago, where I received threatening calls from a " law office '', and upon dialing the number given, it linked back to Rec. Management Serv. It appeared that they are one company representing themselves as attorneys instead of the collection associates they are. I have asked them repeatedly to not contact my employer, and if I had or was given and address or email, would request in writing. Also, while speaking to XXXX from XXXX XXXX XXXX, she stated that their company does not practice, or condone practices of legal or lawsuit threats, or any aggressive collection actions.
08/17/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19808	Web
XXXX XXXX at XXXX XXXX XXXX XXXX XXXX DE XXXX was my Consumer Residential Trash Service from XX/XX/XXXX through XX/XX/XXXX. I had called and cancelled my service on XX/XX/XXXX which was before the next billing cycle starting XXXX. This was to switch companies for a more favorable price through my Neighborhood Association recommendation. For reference, XXXX XXXX bills in advance for service. So, the next bill due in XXXX would have been for XXXX, XXXX, XXXX, and XXXX Services. At the time of my call to cancel, XXXX XXXX confirmed my request, confirmed that my balance was {$0.00}, and within a few business days, they had picked up their trash cans. A month later, on our around XXXX, I received a past due notice for amount owned of {$130.00}. At this time, I called XXXX XXXX, and again, they confirmed my cancellation effective on XXXX. Then again, on XXXX, I received another notice from republic services indicating my account was past due for the amount of {$130.00}. I again made a phone call to XXXX XXXX with concerns that I was receiving a past due notice for service that was cut off on XXXX. They assured me that the billing cycle would resolve itself and I would stop receiving notices by XXXX. On or around XXXX XXXX, I received a notice dated XX/XX/XXXX from RMS ( Receivable Management Services Corporation XXXX XXXX XXXX XXXX, OH XXXX ) indicating that XXXX XXXX had submitted the amount due of {$130.00} to collections for recovery. I immediately called RMS and disputed verbally the amount. They indicated that they have submitted the dispute request and as of XXXX, I am still awaiting the result of that dispute. Meanwhile, I received a notice in the mail on XXXX from XXXX XXXX with a Final Notice dated XXXX indicating I had 10 days to respond before they refer my account to a Collection Agency. Two Issues here. # 1 ) they sent me the notice post the 10 day turnaround so even if the debt was legitimate, there was no way I had time to respond prior to the supposed turn over to collections. # 2 ) As explained above, I had already received a notice dated XXXX XXXX from the Collection agency RMS as explained above so XXXX had already sent the account to collections so misrepresented the 10 day timeframe starting on XXXX. Lastly, I called a final time today to XXXX XXXX on XXXX to again dispute this charge. They again agreed the account was cancelled and I should have not been charged. They indicated would submit an inquiry to billing and " take care of it ''. I had received this indication before so I asked if they would call me to confirm and the response was " no ''. I feel as a Consumer, I have made multiple attempts to resolve this situation and either XXXX or RMS agency has resolved or even responded to my disputes. Now Im just waiting for it to hit my perfect Credit File so I can dispute through the Credit Reporting Agencies.
07/12/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92126	Web
Hi : Little bit long story but i try to keep it in short. So basically my case involves : XXXX XXXX, XXXX and a debt collection agency called the receivable management services corporation. XXXX began since around XX/XX/XXXX. I tried to book a flight schedule from XXXX XXXX to XXXX on XXXX. It cost {$1000.00}, I booked this flight around XXXX, but then i realized that i had a schedule conflicts so that i had to change a flight. I decided to cancel the flight, so I 'm sure i cancelled my flight around 3 hours later. According to XXXX policy, customer should get full refund if cancelled within 24 hours. I 've done same thing before so i thought i have nothing to worry. But this time was little bit strange, because couple weeks later, i believe it was in XX/XX/XXXX, when I checked my XXXX XXXX account, ( I booked this flight my XXXX credit card ). I still see the record on my statement and it means i still have not receive my refund which is {$1000.00}. So i decided to call XXXX customer support and ask them what happen. After i have spoke to a rep, she told me she will help to me dispute my case but i need to provided some evidences. So i gave her my provement, after couple days, i received a phone call from XXXX, the rep told me that my case has been disputed, and then when i double checked my online bank account, i do see i have received the refund, at this point i thought this case is over. But until recently, I think it was around in XX/XX/XXXX. I have been bothered by a company called RMS ( the receivable management services Crop. ) they called me almost every single day and i also received a letter by them. They told me that i owned {$300.00} of debt. When i first noticed by them, i had no clue what this {$300.00} for, so i asked them, they told me it was because XXXX gave out my personal info to them and ask them to collect debt from me. After then i contacted XXXX by calling and sending email ask them about my case, all of the answer I received from XXXX were none of their customer rep could identify about this {$300.00}, and they told me they would never ever gave out personal info to any company, they also had no relation with RMS. So i was confused, I also went to XXXX XXXX, let the manager checked my bank account, the manager told me my account is clean and i do not own them anything. XXXX also do not corporate with RMS. So i believe it was a scam and i have no idea how to they have my personal info. Because they are kept calling me and ask me paying the debt over the phone, i felt i really bothered by them. Even today, i called XXXX, and ask them to check my credit report to see if theres anything related a company called RMS, the XXXX rep told me there 's nothing has related wi th RMS on my account. Thanks for helping me, Best,
02/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 900XX	Web
The Receivable Management Services LLC ( RMS ) is attempting to collect the amount of {$200.00} from me on behalf of XXXX, XXXX XXXX XXXX, for washing machine repair services rendered by XXXX. I do not dispute that XXXX rendered these services. However, they failed to correctly diagnose and repair the problem. In XX/XX/XXXX, I realized that my XXXX-brand washing machine was no longer draining properly, leaving my clothes soaking wet at the end of every wash cycle. A XXXX repairman came to my house on XXXX, took a look at the machine, ran some repairs, and stated that the problem was fixed. However, it soon became apparent that the machine was not working significantly better than it had been before the repairs. After doing some research and running some diagnostics, I concluded that the machine had a problem that the repairman had failed to notice, let alone resolve. Repairing this problem would have required some expensive spare parts, and since it was a very old machine, I decided to get rid of it and purchase a new one. Over the course of the following months, XXXX sent me a number of bills for the amount of {$200.00}. After each bill, I contacted XXXX, and explained that they had failed to resolve my problem, and therefore I should not be obliged to pay. I contacted them by phone ( XXXX ) on XXXX after the first bill, by email ( XXXX ) on XXXX after the second bill, and by physical mail several months later ( I do not recall the exact date ) after the third bill. After this, they send me a letter acknowledging my appeal, and requested that I send a statement to XXXX, which I did on XXXX. In each one of these communications, I gave a detailed explanation of why I was not satisfied with their services, and why I should not be obliged to pay. After sending this final email, I did not hear anything more about the matter until XX/XX/XXXX, when I received a letter from RMS, stating that XXXX had placed them in charge of collecting this debt. I immediately sent RMS both an email and a physical letter explaining why I considered the debt invalid. Earlier today ( XX/XX/XXXX ), I received a second letter from RMS, stating that they did not consider my appeal valid, and that I was still expected to pay {$200.00}. I am attaching the emails that I have sent to XXXX and to RMS, in order to demonstrate that I have made every effort to resolve this issue. Neither XXXX nor RMS has responded to these messages in any meaningful way -- they have simply repeated their requests that I pay for the service, without acknowledging the reason why I do not feel obliged to do so.
07/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77584	Web
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. Account XXXX : XXXX XXXX Account XXXX Please remove it from my credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX XXXX : STATE REGULATORY AGENCY
03/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75230	Web
HI - WHY??? : Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
02/06/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 630XX	Web
This company ( Receivable Mgmt Svcs ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXXXXXX ). 1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ).
10/28/2019	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	IL 62269	Web
This company ( Receivable Management ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Illinois this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name ( XXXX XXXX : House of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
08/29/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 23455	Web	Servicemember
" Frequency or repeated calls '' is the box that I checked, but ironically I am having the opposite problem that most people have. I noticed that a debt showed up on my credit report as a delinquent balance. I do not recognize the debt. It is owned by " The Receivable Management Co. '' in XXXX, PA. I have received no communication from them. There is a phone number listed to call them on the credit report, XXXX. When one dials this number, and presses # as directed to speak to an agent, it places you in queue for 20 seconds or so, then rolls to voicemail, always, and without fail. The voicemail ( and the IVR ) for that matter identifies the company as " XXXX '' ( XXXX? XXXX? XXXX? ). I have left repeated voicemails saying that the company being identified as " XXXX '' is strange as I dialed the number for Receivable Management Co., that I do not recognize the debt, and that I would like for someone to contact me. They have never contacted me. I have received no notices via mail, and I have not received any return phone calls either. In addition to them being unresponsive on the phone, and there being confusion over their name, there does n't seem to be any website for them which I could find, either in search engine searches or via internet registry ( I work in IT, so I have additional tools at my disposal and still came up with nothing ). Also, calling the registered number for " XXXX '' which seems to be the closest match ( as they do outsourced call center etc. ) just rings and rings, with neither a person nor an IVR or system answering the call. The XXXX website only provides a " contact us '' form which I have not yet filled out. If there is a negative mark on my credit report which is in turn negatively influencing my credit-worthiness I believe that the collection company has some responsibility to be responsive. This is maddening, negatively affecting my credit score, and totally irresponsible. I would like for the CFPB to recognize ( this situation should be easily reproduced ) this issue I 'm having so that I can use the recognition to have this erroneous mark removed from my report via the credit bureaus, since there is no way for me to talk to anyone who claims to hold the debt.
02/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	CA 92660	Web
XXXX XXXX send me a renewal policy XX/XX/XXXX.The policy was much higher than the previous year. I decided to go with another company and I did not realize that I had to give decline in writing. A collection company R.M.S ( Receivable Management Services Corporation ) contacted me to set up a payment plan.I was contacted by XXXX XXXX XXXX. Agent I came to a payment agreement that XXXX XXXX negotiated with XXXX XXXX. The agreement of XXXX payments of {$160.00} totaling {$1200.00}. My first payment was on XXXX XXXX 2015. XXXX, XXXX, XXXX all checks were electronic and everything went smoothly. XXXX I send a check on the XXXX XXXX for the regular {$160.00}. I received a text notification that my account was overdrawn on Monday morning. I looked into my account and noticed that {$1000.00} had been deducted instead of the regular {$160.00}. I went directly to the branch and my banker contacted XXXX XXXX and asked to reverse the excess funds. XXXX thing happened XXXX we could not access the account as it had been closed. Keep in mind this was XXXX XXXX time on Monday morning. No one including XXXX was willing to help in any way as she was well aware of our agreement fully knowing that there was a serous over pay.After many attempts in the branch and within the coming days i tried with no success as no one was willing to discuss this.Every phone call was transferred to another person which led to nobody and finally it disconnected. The anger and helplessness was emotionally upsetting. Thankfully after evaluating my problem XXXX reversed the payment. I was told to close my account and open a new account. In XXXX I received a call from XXXX XXXX who said I owe money at first I could not believe she would call after everything that I went through.She was not apologetic. i was so disgusted I wanted nothing to do with them. I received a letter and called to be told that it was given to a law firm. I have not contacted the law firm .I need your help as they lied to me on several issues. They tried to grab money illegally and thanks to XXXX they saved me would have no recourse finacially to is to expensive to obtain a law firm..
10/25/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 94070	Web
My husband received treatment for a XXXX on XX/XX/XXXX. The hospitalist, XXXX XXXX XXXX ( also known as XXXX XXXX ) then billed us for the services because they do not take XXXX insurance. We called XXXX and said since this was an emergency, they should cover the cost of the hospitalist treatment. XXXX agreed. They sent us a check ( # XXXX ) made out to me in the amount of {$210.00} and told us to sign the check over to XXXX. We did so. Here 's where things got interesting. XXXX XXXX, unbeknownst to us, made a mistake and separately sent another {$210.00} check to XXXX. This caused a double payment. Rather than following up with XXXX, XXXX XXXX sent us a letter ( XXXX Inquiry Number : XXXX ) saying we owed them the {$210.00} back. They also started sending collections letters from XXXX XXXX, XXXX. The problem is that we had already signed the original check over to XXXX. I tried to resolve this situation by calling XXXX and asking them to refund XXXX XXXX. I talked to XXXX in the billing department at XXXX ( phone number XXXX ). XXXX said that they had indeed received a double payment and would refund XXXX XXXX one of the checks. XXXX mailed XXXX XXXX XXXX XXXX the refund around XX/XX/XXXX. However, after 30 days, XXXX XXXX was still sending collections letters. I called XXXX XXXX and talked to XXXX XXXX ( sp? ) who said she would look into this for me. XXXX called XXXX and asked her to stop payment on the original check and mail a second check. XXXX did so. She sent out a second check to XXXX XXXX XXXX XXXX around XX/XX/XXXX. Again, XXXX XXXX apparently was not showing that they received this second check 30 days later. In addition, XXXX XXXX officially sent us to the " real '' collections company, Receivable Management Services Corporation. This is ridiculous because XXXX XXXX made the mistake of double-paying in the first place! XXXX sent XXXX sets of checks to XXXX XXXX XXXX XXXX and they still have not credited the {$210.00} to my account. I am asking XXXX XXXX to take me out of the middle. I do n't have their {$210.00}. They need to assign the debt to XXXX XXXX and clear my credit history.
08/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22204	Web
XXXX has consistently charged false invoices to my account for over a year, since XX/XX/XXXX, totaling hundreds of dollars. I did not send the packages for which they have charged me. I have no knowledge of them whatsoever. From googling, this appears to be some sort of common thing for XXXX. On multiple occasions, I have called XXXX to dispute these charges ( since their website automatically declines a dispute the instant you submit it ), spending hours on the phone with a call center. In a number of instances, they simply removed the charges and promised it would not happen again. But it did. After several calls, I finally asked them to cancel the account, which they confirm they did on XX/XX/XXXX. Nevertheless, in the months since, they have sent numerous additional false invoices, which I ignored based on comments from XXXX to do so. But on XX/XX/XXXX, a debt collector from RMS, contacted me about the outstanding charges for hundreds of dollars. I explained the situation to her, and she also confirmed that her file showed my XXXX account had been cancelled on XX/XX/XXXX -- before any of the invoices she was attempting to collect payment for had been issued. She instructed me to again contact XXXX and then get back to her. I have done so twice. Both time with promises from XXXX that their " back of house '' will zero out the charges and make sure my account is actually closed and no longer result in false charges. So, far nothing. No confirmation. No removal of charges. The false invoices are still shown as past due. The debt collection is still hanging over me. In light of these circumstances, XXXX is committing fraud and knowingly harming my credit, despite multiple acknowledgements by them that these charges are not actually owed by me. I am wasting hours and hours of my life trying to politely get them to leave me alone. The problem here is primarily one from XXXX, but RMS should not be attempting to collect debts when their file shows that the account was cancelled before the debts were supposedly incurred. There is no good faith basis to attempt to collect debts that are facially absurd.
06/02/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 223XX	Web	Older American, Servicemember
I received a letter dated XX/XX/XXXX from The Receivable Management Services Corporation indicating that XXXX XXXX XXXX had placed a request for payment of {$200.00}. They asked that I submit payment to Receivable Management Services Corporation at XXXX XXXX XXXX , XXXX , OH XXXX . The letter stated that " When you provide a check as payment, you authorize us to either use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. For inquiries, please call the number at the top of this notice. '' The number listed was XXXX . They also indicated that I could pay by phone at XXXX or go to http : //www.rmsna.com/payrms : user id = XXXX & password = XXXX . The letter indicated that the claim number was XXXX and the reference number was XXXX . An attachment to the letter indicated that the detail number was XXXX - and the service date was XX/XX/XXXX . the letter is attached. In the summer of XXXX , I booked a flight to XXXX XXXX through XXXX . I purchased travel insurance in case I was not able to go on the flight. I was not able to go. I understood from XXXX that the ticket could be reused within the year for a domestic flight provided the differential was paid between the two flights. Later that year, I went to XXXX XXXX . The difference in cost was {$37.00} which was paid. I have received three phone calls from people who identify themselves alternately as XXXX or Receivable Management Services Corporation ( XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX ; all in XXXX ). Twice the call came from XXXX XXXX XXXX XXXX ; once the call came from XXXX XXXX XXXX XXXX . The speaker on all of the calls sounded like he was XXXX or XXXX . I eventually hung up on the calls. I did not believe that I owed XXXX {$200.00}, but I called them to confirm. They sent me an email confirming that I do not owe {$200.00}. The people with whom I spoke sounded like they were at a call center, but I was supposedly speaking with a supervisor. The email is attached.
11/09/2020	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 770XX	Web
To whom it may concern : I have reviewed my credit report and see that your company has listed an account on my credit file with A balance. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you. Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provid me with physical papers papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my stat, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion.
01/27/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07090	Web
Dear The Receivable Management Services LLC, I am writing to dispute the validity of the debt referenced in your recent communication dated on XX/XX/year>, which I received via CFPB. It has come to my attention that the initial communication did not comply with the requirements set forth in Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). According to Section 809 ( b ), within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall send the consumer a written notice containing the following information : 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. 5. A statement that, upon the consumers 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. I did not receive a written notice that adheres to the requirements mentioned above within the specified timeframe, thereby violating my rights under the FDCPA. This violation is considered a serious matter under the law. The bill is not proof of a debt validation letter and unfortunately that is not my current mailing address. Therefore, that is not a debt validation letter because I never received it. I also have proof that I do not live at that address. I have updated my current address with all three major creditors as well.
10/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CT 064XX	Web
My son received a collections letter from The ( RMS ) Receivable Management Services, LLC on XX/XX/XXXX stating there was an overpayment of $ XXXXon his prescription drug plan back on ( service date ) XX/XX/XXXX, and he would have to pay it. He tried calling the number listed to ask what the complaint was and who it was through. He didn't get any answers that made sense. The name of mine and my husbands insurance carrier was listed in the letter - Mailhandlers - XXXX XXXX ( which was son is no longer on ). Due to XXXX he has been on XXXX XXXX insurance for quite some time now. I immediately called our insurance carrier ( since that is what was listed in the letter ). They agreed that yes, he was no longer on our ins and that they had never claimed a non payment for anything like this and had never sent anything into collections. They said since it was a prescription, Maybe XXXX had submitted the complaint. We did a three way call over to XXXX ( which handles all of our prescriptions ) and they also concurred there was no dispute and they hadn't sent him to collections either. After getting all this info I called the company that sent the letter where I was informed that they basically have no information at all to give me, just that a debt is owed. I told the woman I spoke with ( XXXX ) that I had called all the parties involved and they all agreed that there was no debt and they had never sent anything in his name to collections. She stated that she would mark the account as " disputed '' and that " maybe she could just " get the debt thrown out '' and someone would call me back within the next week. This did not sound right to me. My son ( who has a " host of mental issues '' was all freaked out about this hurting his credit and was ready to call and just pay the {$200.00} dollars. He doesn't even have any credit as of yet, so I'd hate to see the first thing on his credit report be a bogus collection from a shady collections company.
10/02/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 190XX	Web	Servicemember
On XXXX XXXX XXXX XXXX XXXX XXXX was Contracted to relocate a piece of equipment to a Farm in XXXX AZ to a customers place of business. The company quoted {$420.00} for the pickup and delivery of the piece of equipment and were promptly paid that balance ( on XXXX XXXX ). The item was delivered without any problems and arrived safe and sound. I was later contacted by mail from XXXX that an additional fee above and beyond the original amount was due to the company. I then contacted the company Via phone and asked what the fee was in regards to. The representative told me it was a " Residential delivery charge '', I politely explained that they were mistaken and that the item was delivered to an active farm and was zoned commercial and was an Arizona registered Agricultural address. The representative stated the driver had passed a house on the property and XXXX policy stated that made it residential. I have been to the property personally and yes there are actually quite a few residential units on the property. The owner is vey good to his employees provides housing for the workers that work there. However the property is 4,500 acres PLUS in size and has a main office and about a 6 acre commercial loading and unloading area with Tractor Trailer Access they have to in order to ship out the crop! This property even has its own Fuel Pumps for the 20 some pieces of heavy equipment that are operated around the clock. I tried to no avail to explain this to the rep and was told she could n't do anything about the fee and I had to pay it. I informed the employee I would not pay any additional amount to the company based on their explanation since they were asking for money that was not owed. I have since received a COLLECTIONS NOTICE in regards to this amount. Please assist in resolving this issue. I would prefer not to have to contact an attorney I 'd rather just have this go away as it should have after my contact with the company. Thank You
07/06/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77065	Web	Servicemember
Dear CFPB, I am writing this letter to you to file a formal complaint against an entities named ( The Receivable Management Service Corporation ). Sometime in XX/XX/XXXX, I purchased a nonowner liability insurance from XXXX XXXX XXXX company. During my initial first six month contract it was {$580.00} total premium. I did this because I do n't have an automobile, but often rent a car ; the reason was to avoid those rented car exorbitant insurance rate. I also renewed my policy several times until XX/XX/XXXX; I decided to abruptly end it when they continue to hike the price without any reason. I have never filed any claim against my policy. I still remembered when I had a flat tire and called XXXX, but no one ever shows up. Also in XX/XX/XXXX, someone hit my rented car while was parked at XXXX parking lot. I called XXXX, but nothing was done. So I have to do the repair myself, and there was no reimbursement at all. I have three months left on my current policy at the time. A renewal notice was sent to me with an increase in premium. It was then I was upset, and without warning, I instructed my bank to decline any further ETF from XXXX which they did. I have not rented any car under which XXXX policy was used. Unfortunately, I received several notices from XXXX that I owe {$230.00}. I have called them several times to stop calling me. Even after I warned them, they have sent my name to a collection agency. I have numerous occasion told them that I do n't owe them any money, but they insist that I owe them. Please help me here ; My insurance policy was a promise against a nonowner, not against real vehicle. That promise ended whenever I decided not to drive anymore or rented a car. I used XXXX and public transportation, so there is no need for such policy. Now my name have been forward to The Receivable Management Service Corporation a collection agency. Please assist me in this matter. Look forward to hearing from you. Thanks
08/30/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 945XX	Web
I rented a car from XXXX in XXXX on XXXX XXXX, XXXX. A few days later the car completely stopped running and I had to call a tow truck to have it towed. I paid US {$380.00} for this car that died. I then had to rent another car, which was supposed to be a 4 wheel drive, and when I picked it up at the airport the car was not a 4 wheel drive. I had to wait an additional day to get a 4 wheel drive car, using up 2 days of my vacation. I paid an additional XXXX {$600.00} for the second car. I paid for both cars on a XXXX credit card. XXXX told me the car died because I drove through a puddle. This was not at all possible, as the car was FACING the puddle when it died, and I had not even gotten to the beginning of the puddle at all. In addition, when I picked up the second car the XXXX merchant told me I would not be charged anything additional for the car that died. On XX/XX/XXXXXXXX charged my credit card an additional US {$3300.00} for the car that died. I disputed this charge with my credit card company on XX/XX/XXXX. Attached is letter I sent in dispute of this amount to XXXX credit card. The credit card company resolved the dispute on XX/XX/XXXX in my favor and I did not pay the disputed amount. On XX/XX/XXXXI received a letter in the mail from XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXX / XXXX claim No. XXXX The letter claimed I owe US {$3300.00} the letter is attached and states : " recently you requested information to support the creditor 's request for payment of this account. Enclosed is the necessary information for you to identify the account. '' I NEVER requested any information from them or anyone else. I called the tel. number on the letter on XX/XX/XXXX The person who answered would only give his first name ( XXXX ), would not give his last name or physical street address of his office. He said he was located in the XXXX, said there was no professional license, then hung up on me.
06/08/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OR XXXXX	Web
My company closed last year with the last day of health coverage XXXX/XXXX/XXXX. I had received a letter from XXXX XXXX/XXXX/XXXX after calling them about terminating my insurance, stating that the insurance would be terminated for non-payment on XXXX/XXXX/XXXX., Since I was starting my new job XXXX/XXXX/XXXX I continued to have health insurance. I then received a call from collection agency in XXXX XXXX for money for XXXX and XXXX XXXX installments. They also stated they needed proof of coverage. I immediately sent them proof of coverage and the information regarding the termination of coverage. I continued to receive phone calls stating they either had n't received the proof of coverage or they could n't read it. I continued to re-send it. After 5 months of calls I was told by XXXX from RMS that if I paid {$100.00}, sent another copy of the confirmation of coverage to the address she provided this would close the account. I did this XXXX/XXXX/XXXX. I was then called in XXXX XXXX stating they never received my check. I then sent a copy of the cashed check. I requested confirmation that the matter had been closed. Instead I was told they were going to send the check back to me, which I have never received. In XXXX I received a letter stating that they had not received my proof of coverage or payment. This has now been ongoing for almost a year. I have done everything asked of me, but yet I get continued requests for the same information over and over. They now want more money, and I have never received " the check they sent back to me ''. I would like to have this matter closed. The insurance was already cancelled XXXX XXXX, XXXX. I was told be an XXXX representative that to terminate the insurance all I had to do was not pay it. this is also confirmed by the policy book. I had coverage starting XXXX XXXX, XXXX from my new employer. I would welcome any assistance you can provide.
11/07/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33147	Web
On XX/XX/2019, I received a call from The Receivable Management Services XXXX ( RMS ) regarding a debt they say I owed with XXXX XXXX for a cancelled insurance policy in the amount of {$670.00}. I advised the rep that per my right, I could cancel my policy at any time, with no further debt owed. As I continued my discussion, I was advised I needed to formally open up a dispute regarding this debt. I was given the ref # XXXX. My dispute was filed via email, with the deceleration page attached as requested and I received a confirmation email on the same date of XX/XX/XXXX, with a promise of the dispute being resolved within a maximum of 30 days. On XX/XX/XXXX, I had yet to hear from RMS regarding the outcome of my dispute. Thus, I called and spoke with a very nice representative name XXXX XXXX. She informed me that XXXX had responded to my dispute, but to date their response was not being communicated to me. I advised her that I had not received any notification of the outcome, via mail, email or by phone. She stated no letter had been mailed. No phone call were to be placed as my number was not apart of those that go back into the cue for calls. As of today, she stated per her records, no communication had been sent or would be sent to me for follow-up on my dispute. I informed her this was unacceptable on RMS 's part as I was supposed to have received some type of resolution communication within the time frame promised. And since that did not happen, this needed to be removed my credit report immediately as I had followed all of the guidelines set forth in disputing inaccurate reporting according to FCRA. XXXX, graciously apologized for the error on their part and that this had not been handled correctly. To date, no notification has been received.
08/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29506	Web
This company Receivables Managment which I hold no CONTRACT with nor have received services from reported a credit account against my SSN to credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. 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 & Accountability Act ( 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 medical 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.
09/13/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VT 054XX	Web
Receivable Management Services has begun sending me letters and phone calls about a debt related to XXXX ( XXXX ). The first time they called, I informed then that the debt was not valid and no legal binding contract was signed. They submitted a validation and returned back to me an invoice for less than XXXX XXXX in euro dollars. However on their latest call to me on XX/XX/11, they attempted to collect over {$100.00} dollars. the conversion of XXXX euros to USD is roughly {$47.00}. Additional XXXX via email claims I owe them XXXX. However they shut off online access, and I have no way to reconcile how they come up with that figure, and RMS will not send me the accurate account history either. The account with XXXX was a pre-paid account and they continued to bill me and can not show how they come up with their figures. I must just trust what they decide to email back to me which is then different from what RMS wants to send back to me. When dealing with XXXX directly, they suddenly demand i send it to them via wire transfer claiming i only owed them ( XXXX ). Then when i told them to get bent that i would never wire any company money, then the amount changes to XXXX. So do i owe XXXX, XXXX, XXXX ( invoice RMS sent me as " validation '' ) or their $ XXXX they told me on the phone Saturday? nobody has the right amount! Additionaly this all started because XXXX would not let me back into my account to ever cancel services. Something they are known as you dig into online reviews. So in the end, they stopped my online access, prevented me from canceling, sent me bills for services i did not want or need, submit the account to RMS for different debt amounts, fail to provide accounting records to review their claim.
07/11/2023	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 Investigation took more than 30 days	TX 77064	Web
Receivable Management I am writing this letter in response to the phone call/letter received from you. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt not verification that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thanking you, XXXX XXXX
07/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 657XX	Web
I noticed a negative entry on my credit reports which was reported by Receivable Management Services, XXXX. regarding an alleged debt of {$78.00} owed to XXXX XXXX XXXX. I disputed the information with the three major credit Bureaus and Receivable Management Services on XX/XX/2018. The three major credit bureaus did not respond to my request for investigation, nor did Receivable Management respond to my debt validation request. I called XXXX and spoke to a representative who said she saw on the account that there was no balance. I was also able to locate a statement from XXXX showing that this amount was paid and was sent to collections by mistake. We did not owe this amount to begin with because our policy cancelled and we were not covered during the time in which this charge was assessed for. Under Arkansas code, the state in which we lived in at the time, " Consumers shall not be charged for services for which they did not receive. '' We were not covered during this time and we do not owe the balance claimed. It was by mistake that it was sent to collections and this collection agency has been willfully non-compliant with my request per the Fair Debt Collections Practices Act. This entry has been previously removed by the credit bureaus in the past due to a lack of production of documents verifying the validity of this information. A formal dispute has recently been filed under Section 623 of the Fair Credit Reporting Act with XXXX XXXX, as well as a Creditor Declaration and Request for Production of Documents, to investigate the accuracy of the records for this account and to substantiate the collection agency 's claim of a right to report this information.
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75068	Web	Servicemember
To Whom It May Concern, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand a thorough investigation and prompt removal of a collection account that is inaccurately reported on my credit report. Your immediate attention to this matter is required, as the collection agency has failed to provide original debt information from the original lender. The collection account in question is as follows : Creditor : Receivable Management Collection Account Number : XXXX XXXX XXXX XXXX XXXX The aforementioned collection account contains inaccurate information, and the collection agency has not furnished the necessary original debt information from the original lender. This lack of substantiation renders the account invalid and its presence on my credit report is causing significant harm to my financial well-being. Pursuant to the FCRA, I demand that you initiate an immediate and comprehensive investigation to verify the accuracy of this collection account. Should you fail to substantiate the validity of this account or correct the inaccurate information, I insist that you promptly delete the account from my credit report. In accordance with the FCRA, you have 30 days from the receipt of this letter to complete your investigation and provide me with the results in writing. If your investigation substantiates the inaccuracy of this collection account, you are legally obligated to remove the account from my credit report and notify me of the changes made. I expect your agency to fulfill its legal obligations under the FCRA without delay. Failure to do so may result in further legal action on my part.
11/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 21230	Web
I cancelled my hazard insurance policy ( Policy No : XXXX ) with XXXX on XX/XX/2016 because I found a better policy. The policy was active from XX/XX/2016 XX/XX/2016. The balance for this month was {$92.00}, which I paid on XX/XX/2016 ( confirmation no : XXXX ). XXXX took the money out of my XXXX account on XX/XX/2016. They then sent me another bill on XX/XX/2016 for the {$92.00} that I had already paid. I spoke with XXXX @ XXXX and faxed to her a copy of the confirmation receipt that XXXX emailed to me ( fax no : XXXX ). I thought everything was taken care of but on XX/XX/2016, I received a letter from Receivable Management Services ( RMS, a collections agency ) stating that I owe {$92.00}. I called XXXX and spoke with XXXX. I then called RMS and spoke with XXXX and emailed her a copy of the same receipt I sent to XXXX + copy of my XXXX statement showing the payment. I called XXXX and demanded to speak to their XXXX, XXXX. I left him a voicemail but he did not call me back. I followed up with XXXX on XX/XX/2016 and spoke with XXXX She stated that my account was " closed as of XX/XX/2016 '' and that no balance was on the account. The date did not make sense but I was satisfied hearing that my account was closed. BUT on XXXX, I received a call from RMS Collections, this time from XXXX, stating that my account was not closed and that I still owe {$92.00}!!!! This company is harassing me for a balance that was PAID IN FULL. RMS Collections has the ability to report this bogus claim to the credit bureaus and I have plans on refinancing my home in a few m months. I have attempted numerous times to speak with the manager at XXXX but nobody is calling me back.
11/18/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 352XX	Web
XXXX XXXX from a firm called XXXX called and informed me that she was contacting me in regards to an alleged debt that I owe to XXXX XXXX for some type of insurance debt that I allegedly owed XXXX XXXX. First off, my relationship with XXXX XXXX ended in 2019. Secondly, I paid on a monthly basis when I did do business with them. This predatory attempt to extract money from me has become harassing. This is what I told XXXX XXXX : This is to follow up on the formal dispute form that I thought was enclosed. All I see is a bogus bill from a company that I havent done business with in years. I have no relationship with XXXX XXXX and havent for years, as I have already explained. I will not be entertaining the idea that I have to do an audit for something that I dont have. Please cease all further communication with me, as it will be considered harassment. If any marks are placed on my credit for this fraudulent claim or any other action is taken by your firm or your client, I will pursue to the fullest extent of the law. I do not take my debts lightly, I am an honest small business owner and I pay all of my obligations on time. If this claim was valid, it would have been paid. This morning, another person from her firm called and threatened me with telling XXXX XXXX that I waived my rights. I do not owe XXXX XXXX any money. If they are upset that Im no longer a customer then they should have provided better customer service. At this point I feel harassed and threatened and do not deserve this treatment. I pay my bills and I am an honest man. I will be contacting legal representation to address this. I will not be threatened and bullied.
11/29/2017	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	CA 94551	Web
I received a call from an american debt collection agency for a credit card debt I owe in XXXX, which I am paying back quite regularly, according to my financial possibilities. This company wanted to get personal information from me over the phone, like the amounts owed. Somehow they were able to pull off some of the credit from XXXX, but I never received any official communication from XXXX that they would transfer the debt in XXXX to this company in USA. I then received so far three letters asking me to repay in one solution a sum that is more than XXXX USD higher than my entire original debt, and it has been more than a year that I have been paying the debt back. As I said, I am currently paying the debt in XXXX and I can prove the transactions made to the creditor company in XXXX. This self-proclaimed debt collecting company, RMS, seems to be a scam because of the grossly wrong amount they are asking me, because I never received any official written communication from XXXX about them taking charge of my debt, because they appear to be unaware of my personal information, except my phone number and home address and some old credit card statements, because their physical address is a P.O. box, and the website they report in the letters they send me did never work at all, showing a blank page with a 404 error and it seems nonexistent. Additionally, googling for their name it comes out that they appear to be a scam organization, and some other consumers reported a companys physical address being in XXXX, while the address in my letters is XXXX, OH. They seem, act and feel like scammers. What can I do to let them stop?
12/15/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 20147	Web
Good day : I have been contacted now four times by a debt collection agency attempting to collect a debt that I do not owe. The first three times have been via US Mail, which I responded to twice via certified letter. Following the third letter from RMS, I submitted a complaint to CFPB, case number XXXX as they had not provided any proof that I owe a debt. Their response to the CFPB complaint on XX/XX/XXXX was incorrect, indicating that they received my account on XX/XX/2018 ( their first letter was dated XX/XX/XXXX ), and that they closed my account and returned it to XXXX. I have now received 5 phone calls from XXXX starting on XX/XX/XXXX ( the date that they responded to the CFPB complaint ), who have left no messages. Yesterday, XX/XX/XXXX, the 5th phone call, I picked up and it was RMS asking about the same debt. In their response to the CFPB complaint they indicated that they have sent the debt back to XXXX which is clearly not the case. I have attached the same PDF to this CFPB complaint, which expressly states that this debt is not mine, asking for proof that this debt is mine. The company has failed to prove that this debt is valid and has now begun calling me asking me to pay this debt, which violates my rights under the FDCPA. I have asked them via a form letter from CFPB to provide proof that I owe a debt and they are not permitted to contact me until they have proven it. If there is some proof that I owe a debt, please provide that proof to me so that we can further discuss it. However, I have never done business with XXXX and therefore have no reason to believe that this is a valid debt.
10/06/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92307	Web
1. On XX/XX/2018, I sent an initial letter to Receivable Management ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$250.00}. 2. I also notified Receivable Management that my Initial Letter also served as formal notice that I was disputing the claim. 3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to Receivable Management 's Front Desk/Reception on XX/XX/2018 at XXXX XXXX A copy of the Certified Mail Receipt is attached to the Initial Letter. 4. Thus, XX/XX/2018 was the 30-day deadline for the notice of dispute to be reported to my XXXX and XXXX credit reports. 5. Upon investigation of my XXXX credit report dated XX/XX/2018 and my XXXX credit report dated XX/XX/2018 ( copies are attached ), Receivable Management did not furnish neither XXXX nor XXXX with the required disclosure within the period required by law. Receivable Management is required by federal law to place a " notice of dispute '' on my accounts within 30 days of my dispute, which was received on XX/XX/2018. 6. More specifically, Receivable Management violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 7. Thus, it is my request that Receivable Management delete the {$250.00} entry as a result of it not placing the required notices of dispute on my credit reports. 8. Additionally, I never received competent evidence of the debt bearing my signature.
10/06/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92118	Web
I have changed my phone company and internet service from time warner to XXXX XXXX XXXX the internet was disconnected first and I went to the time warner office to turn in my internet modem they would not take it, " they said the whole service had to be disconnected before anything was turned in ''. I did not get a reference number saying I was trying to turn it in. All I have a new bill of when my new service was connected. I received a very large bill and made a phone call to the company and told them it was not right. I would a proper bill for what I really owe from my previous service. They assured me they would take care of it and send me one. That did not happen. Nothing was received from them, until a collection agency sent me emails trying to collect and not sure if that is proper to send that to my business email. I responded back and they informed me I did not cancel in time, which I did try and the company would not let me. This was verbal I guess I need a reference number for all conversations now? XXXX XXXX of XXXX is when the new service was connected for the phone lines. XXXX XXXX is when the fax line was installed and when I tried to being the modem back. I am getting charged for service stopping XXXX XXXX that is a month of service not used and going to collection to boot. Even my phone calls and many attempts to bring the modem back on my lunch hour did not work. There was a sign on the door closed for lunch. So I called 2 times, and finally called again they finally came and took the equipment. On XXXX XXXX. There was no contract with time warner.
05/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 991XX	Web	Servicemember
On XX/XX/XXXX we ordered BY MAIL one item, a " XX/XX/XXXX Space Saver All-On-One Washington & Federal Labor Law '' poster. The vendor 's order sheet was used and showed a purchase of one poster for a total of {$10.00}. A parish check was enclosed in full payment. In addition to the one ordered item, XXXX XXXX , XXXX shipped us a number of UNORDERED ITEMS via public carrier and then proceeded to bill us for them in the amount of {$210.00} ( Their Invoice # XXXX XXXX XXXX XX/XX/XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent XXXX XXXX, XXXX a letter by Certified Mail denying XXXX XXXX 's claim of {$210.00} for unsolicited items never ordered by us nor chargeable to us per 39 US Code Paragraph 3009 " Mailing of Unordered Merchandise. '' The letter was received and signed for at XXXX XXXX 's XXXX CA address by their agent XXXX XXXX on XX/XX/XXXX per the Certified Mail Receipt postcard we received afterwards.Despite the face that we never ordered the additional items for which this parish is being billed ( and now has been sold for collection to " The Receivable Managment Services Corp. of XXXX WA ) AND the fact that we gave XXXX XXXX the opportunity to retrieve these unordered items ( as stated in our letter ), they have continued to harass us through subsequent phone calls and emails for this fraudulent claim. On XX/XX/XXXX we received a debt collection letter from " The Receivable Management Services LLC '' of XXXX ( their Ref # XXXX ) that XXXX XXXX has contracted to collect for this fraudulent debt. Furthermore, the amount due has now been raised to {$240.00}
05/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 150XX	Web	Servicemember
I received an email from XXXX XXXX XXXX / XXXX / XXXX that something was just added to my credit report for collections. THIS IS THE SECOND TIME THIS COMPANY HAS DONE THIS TO MY CREDIT REPORT!! When I checked there is an account on my credit from XXXX XXXX via THE RECEIVABLE MANAGEMENT SERVICES XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX stating I opened an account on XXXX XXXX , XXXX and it is now in collections for {$880.00}. That is impossible for a few reasons : First, I have lived at my present address since XXXX XXXX , XXXX and have had the same garbage collection company, which is not XXXX XXXX . Second I had a XXXX XXXX account that was paid and closed since XXXX , at the very latest. Third, there was nothing on my credit report about this supposed unpaid account that is now in collections, it just suddenly appeared out of nowhere. I religiously watch my credit report. T he Receivable Management Services com pany put this on my credit report fraudulently. I have disputed this to XXXX but desire to find out how and why they feel they can put whatever they want on someone 's credit report with no regard to the fact the account does not exist and the information is completely false. This is illegal for The Receivable Management Services to do. I do not want to directly contact this company because it is obvious they already obtained my personal information in some way and I do not want them to have my email and/or telephone number.
06/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 383XX	Web	Older American
In XX/XX/XXXX I purchased a XXXX dishwasher and the light on the door was not working correctly so I called XXXX and they sent a tech out on XX/XX/XXXX. The tech said there would be no charge since it was still under warranty. I started getting a bill in XXXX from XXXX XXXX XXXX XXXX XXXX that I owed {$170.00} from XX/XX/XXXX for a repair charge and if I didn't pay it would be turned over to a collection agency. I tried to call XXXX XXXX XXXX but it was automated for you to pay the bill with the reference number and no way to talk to anyone. I knew this was not right and it sounded like a scam. Today I get a bill where it was turned over to a debt collection agency : Receivable Management Services LLC. XXXX. I first called XXXX and they looked my account up and saw the tech was out XX/XX/XXXX and they paid XXXX XXXX XXXX in XXXX and I did not owe anything and for me to call this debt agency and tell them. I did call them and told them they didn't even have the correct date for the service call and it was under warranty, then the girl said that was the charge to send the truck out and I explained to her that XXXX had already paid the bill and I didn't owe anything nor was I paying anything to them. I tried to go to the site on this bill : XXXX, but it is not legit just like the first phone number I had called back in XXXX when I got a bill from XXXX XXXX XXXX XXXX XXXX This is a scam and they are not legit. Someone needs to stop them and also let XXXX know what is going on with their customers.
02/16/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46224	Web
A company called Receivable Management services LLC is calling me and has sent me a statement for collection of debt which is not mine. I notified them via certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX ) and told them this is not my debt. This morning I have been receiving calls from this company. They have disregarding the the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq law which allows a consumer to challenge a debt by showing proof that this debt is actually mine. The debt is from XXXX XXXX XXXX account # XXXX which I have not purchased anything from. I do not have any XXXX credit cards nor have I bought anything from XXXX. Secondly, XXXX XXXX XXXX has actually been sold to another company called Transform because XXXX actually is in an active bankruptcy ( Case number : XXXX - XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX If this debt was actually valid, a company appointed by the XXXX XXXX ( receivership ) would be the party collecting any debts owed to XXXX on behalf of the XXXX XXXX. Clearly RMS is not involved with this matter and is trying to collect monies that are not owed. RMS is trying to collect {$1800.00} for something I have not bought or been extended credit for. I have not been provided anything to support RMS is entitled to anything but violating the Fair Debt Collection Practices Act. RMS has clearly not followed the Federal law in which I am entitled to as well as the practiced mentioned in the attachment from the Indiana Attorney General 's office.
07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 333XX	Web
On XX/XX/2022 I had thought that what was a year and a half battle with XXXX XXXX XXXX which was submitting delinquency remarks from my XXXX XXXX Card was over. I had explained to them multiple times that I am a XXXX ill XXXX patient and was waiting for my XXXX XXXX XXXX XXXX and wasnt working, but they continued to charge interest and wanted to keep the process going of keeping me in debt. I had finally gotten through to them that they had already made a derogatory mark and they needed to stop perusing the ruin of my credit. On that very same date, they deceptively and dishonestly sold my credit balance to a new collection agency, XXXX XXXX XXXX XXXX, and this company has tried to do everything possible to not remove their report, refused to answer any questions, and keep the selling of the bill so it will not ever be removed. XXXX attempted multiple times to get in touch with them and finally found out that it was actually sold from XXXX XXXX, after lying to them multiple times of where exactly they have the connection with me. They also informed them that it was tough luck that he has XXXX, pay up before you leave the bills to your family to tend to. These people have no integrity and are low life individuals that run on pure greed. This company needs to be stopped as they try to ruin peoples credit and then make fun of their situation as their being lied to on where the bill even came from
09/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33183	Web
Hi. I am XXXX XXXX and I urgently need your help because I am receiving letters from a collection company trying to collect {$4700.00} by mistake from the specialty pharmacy that supplies my medication. The drug XXXX XXXX XXXX has a monthly copayment of {$250.00} that I pay with a manufacturer 's assistance card with the copayment remaining for me to pay {$5.00} each month. The medical insurance of my workplace ( XXXX XXXX XXXX ) and the specialty pharmacy ( XXXX rx turned into XXXX XXXX ) denied me the medicine after XX/XX/2020 and through a foundation, XXXX XXXX XXXX supplied it to me in XXXX, XXXX and XXXX. When it was reauthorized in XX/XX/2020, the representative could not place the order because there was a debt of {$11000.00}. After a long wait, the presenter returned and said that he had consulted with the billing department and that the balance was negative and they supplied me with the medicine in XXXX, XXXX, XXXX and XXXX, but in XXXX I received the letter from the collection company. Many times I have called and written to XXXX XXXX and they only try to charge the health insurance and the copay help card again and they say that everything was solved, but the collection company keeps calling and I do not believe that the health insurance and Co-pay assistance card pays for XXXX error. Thanks for your help. Translated from XXXX language by XXXX XXXX.
09/18/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33311	Web	Servicemember
1. I emailed Receivable Management Services ( RMS ) in early XXXX disputing the debt of {$570.00} from XXXX XXXX ( Account # XXXX ) and received an email back saying that RMS would investigate 2. I received a letter in the mail from RMS stating that they validated the debt and they provided me with a copy of my alleged Final Bill from XXXX XXXX. 3. Prior to RMS 's " investigation '' I contacted XXXX XXXX about this debt which was erroneously billed. I got into a car accident on XX/XX/XXXX and had no car after this accident because the car was deemed a total loss. My policy number was XXXX. 4. XXXX XXXX ERRONEOUSLY kept billing me in late XXXX and early XXXX which resulted in charges of {$570.00}. 5. I have contacted XXXX XXXX supervisors and they agreed that I should NOT have been billed and they even emailed me an updated policy cancellation letter. 6. If you take a look at the Final Bill letter from XXXX it is dated XX/XX/XXXX. This Final Bill is old and does NOT reflect the changes that were made by XXXX XXXX to remove these erroneous charges. 7. Per XXXX XXXX policy number XXXX was retroactively canceled effective XX/XX/XXXX. This would mean that I DO NOT OWE them a balance. How would I be billed insurance when the policy was canceled and I had no car? I am asking that your company please conduct a proper investigation as RMS has failed to do so.
06/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 322XX	Web	Older American
To Whom It May Concern, I am working with a financial and housing counselor who is writing this on my behalf as I am XXXX XXXX and only had this phone service for XXXX for two weeks. I am not aware of a verbal or written contract that was placed for the account and am asking that any concessions that can be made on my behalf due to any continuous billing be considered forgiven or waived. I am willing to pay for the service for the two weeks of my usage but beyond that I am not willing to pay. I had no way to contact XXXX after having their service terminated as I never received any further bills or statements. I have returned their equipment and am requesting that I only be charged for the 1 month of service I had and any additional billing be waived as this account has been sent to collection for XXXX and originally the service was quoted to me at XXXX/month. I reached out to them with a financial counselor on XX/XX/XXXX after still receiving collection acct notices to try to make the debt solvent and was put on hold for over an hour and a half. I was denied any ability to have any additional billing waived as they forwarded me to 4 different areas and stated I would have to pay the above mentioned amount that had been sent to collections because the acct was closed even though this was months after I had turned the service off.
11/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OR 97007	Web
I had a balance on my account with XXXX XXXX for 2 months. I sent the bill to XXXX XXXX to pay because I didn't have the money to pay twice, I had lost my home. I had already made a payment and so my bank reversed the payment since it was paid by XXXX XXXX. XXXX XXXX has no way to talk with someone. Every time I tried to call, the automated line said they were closed, or when I got on the chat it would get disconnected. Long wait times. I understand that they don't have enough workers. But I'm also told through someone who went there to work one day on the wiring, that they have outdated computer systems and 2 people working there. This is not my fault that they can't get it together or that they paid the wrong account. One hand does not know what the other hand is doing, and I called multiple times and no one could figure it out and they would just hang up on me. So they sent it to collections?! This is ridiculous. I have never missed a payment in 10 years! XXXX XXXX paid my water bill and XXXX as well and they were paid with no mistakes. In this day and age, it is extremely stressful especially for a XXXX poor person to fight the system. I'm sick of being held responsible for other people 's mistakes. They added more money on the account after it was closed too. I gave the exact bill to be paid to community action. it was paid.
06/06/2023	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 23455	Web
I have contacted these companies multiple occasions. As told by my realtor, this is making it very difficult for me to purchase a home for my children. These companies are in direct violation and I am seeking legal action. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAl Cubiect to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I amdemanding the deletion of the accounts listed IMMEDIATELY! XXXX XXXX XXXX XXXX XXXX XXXX Reciecables Management Services LLC
04/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60626	Web
I have been getting harassing call from this number XXXX for the last few weeks, leaving me harassing voice mails. The detail of the debt collector agent and the contact information is, Reference # XXXX, Receivable Management Services XXXX XXXX, Agent, Operations XXXX ext XXXX # ( phone ) XXXX ( fax ) XXXX. Today when they called me again, I picked up and the agent introduced me her name as XXXX XXXX and she said she is a debt collector for a company called Receivable Management Services and that she is collecting debt on behalf of XXXX shipping company. She told me that I used XXXX service, shipped or received a package and that I didn't pay and that it is past due. I told her this is a scam because that I don't use XXXX and didn't ship anything. They even had an address at which I don't live. She asked me for my email and sent me a fake invoice or something showing some amount due for using XXXX service. I looked at it and I don't recognize that service or the charges and I didn't ship or receive package to and from that address shown in the invoice. She told me to call the XXXX number on the invoice which I did. The XXXX billing department I called don't even know what I am talking about and told me I should call back the debt collector to resolve this. I called and emailed the debt collector agent but she didn't reply.
07/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 80501	Web
I received a collection notice from RMS collecting an outstanding debt for XXXX XXXX XX/XX/XXXX - received a collection bill stating I owed {$490.00} for an outstanding invoice from XXXX XXXX XX/XX/XXXX - received another statement for the same amount. I called RMS to inquiry " who is XXXX XXXX ''. The attendant googled XXXX XXXX and read me the description of the company that is on the internet. I requested a copy of the contract showing that we ordered this service. XX/XX/XXXX - Received a letter from RMS stating " the information I requested is attached '' ( which was just 4 invoices from XXXX XXXX ) no contract was attached. I called the company, XXXX XXXX themselves and they gave me a past employee name, XXXX ordered the service 5 years ago - Again I asked to see a copy of the contract. They were rude and very short with me. I stated I have never received an invoice nor paid an invoice in the past 5 years from them, they stated they were emailing them to XXXX. ( XXXX hasn't worked here for approx 5 years ). I do all the accounting here for the company - No invoice was ever paid to them - they state I owe for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX service. XX/XX/XXXX - Received a collection letter from RMS, stating the information I requested was attached ( again, just a copy of 4 invoices )
07/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95624	Web
ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX NA {$560.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXXXXXX XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX {$120.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX UNKNOWN ADDRESS {$44.00} XXXX XXXX XXXX ADDRESS {$0.00}
10/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07111	Web
Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by RECEIVABLE MANAGEMENT. While checking my credit report, it came to my notice that RECEIVABLE MANAGEMENT has furnished an account XXXX on my report. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by RECEIVABLE MANAGEMENT will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or RECEIVABLE MANAGEMENT, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
10/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
I have attempted to reach out to this company via mail and no response. After careful review of my credit report I see that this company is reporting A debt owed of XXXX for XXXX XXXX I currently have XXXX XXXX and my insurance is active and valid. I have reached out to XXXX myself and was informed they can not or do not send an active policy to collections. They assured me my poliy is in great standing and my monthly payment of XXXX for my XXXX XXXX XXXX does not match the balance reported of XXXX. This seems to be some sort of error or misinformation. I was told by XXXX since they have no records of such reports I would need to dispute with credit b. I have submitted disputes there and nothing has been updated. This company is reporting false information on my report which is illegal. Im not sure how they recieved my information if XXXX is saying they have not reported such information. And again the balance this company is reporting isn't an amount that I would owe because my payments are much higher then this for two cars that I have currentln with this company. I was able to view the last four of the account number on my report and it does not match the last four digits of my actual account number. Whcih confirms this information is indeed incprrect.
11/04/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MT XXXXX	Web	Servicemember
Today I received a call from ( XXXX ) XXXX XXXX. The caller asked to speak with me and then requested personal information. I inquired who the person was and that the purpose of the call was ; the person stated they worked for Receivable management services. I asked if this was an attempt to collect a debt. They told me they were not allowed to tell me that. I said on the contrary they are legally required to tell me if this is an attempt to collect a debt. The caller refused to answer stating that they needed my information to verify the account before she could identify the purpose of the call. I requested contact information and she stated that she worked for the company named above, her name was XXXX XXXX and that the mailing address was XXXX XXXX XXXX in XXXX PA. I again asked if this is an attempt to collect a debt and she refused to answer. I requested a supervisor ; she stated the supervisor was at lunch. ( Call came in at XXXX which would be XXXX her time, so a little hard to believe ). I did XXXX this company and they are notorious debt collectors. I dont know if any debts Ive failed to pay so I cant think of a legitimate reason for this company to be reaching out to me. In the end though, their failure to identify themselves is a violation.
09/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VT 058XX	Web
I have received VMs in the past year about this debt that I reportedly have with XXXX XXXX XXXX XXXX. I assumed it was a scam and did not respond. Today ( XX/XX/XXXX ) I opened a letter from RMS ( The Receivable Management Services LLC in XXXX, MN ). RMXXXX is using my correct name and my correct XXXX account number, stating that they are a debt collection company and XXXX XXXX XXXX XXXX has contracted with them to collect {$3800.00} that I owe. ( Not true. My XXXX account balance is XXXX ). They instruct to call XXXX to make a payment, or to access my account online, including payment options, to please visit XXXX I have not called the number nor logged onto any account because I am 100 % certain that this debt is not mine. However, it makes me SO angry that some poor person out there might actually get duped by these people, so Im reporting it to you. The have a customer support number : ( XXXX ) XXXX ( XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also list XXXX as a place to go for help. They have two addresses on the letter : return mail only- XXXX XXXX XXXX, XXXX , MI XXXX ; support : XXXX XXXX XXXX, XXXX, MN XXXX. Please let me know if you need anything else from me. Thank you! XXXX
08/22/2018	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	FL 34983	Web
I recently disputed ( see attached letter ) with Receivable Management Services an account entry that they placed on my credit report without providing a dunning letter or any correspondence that would have allowed me 30 days to dispute the validity of the alleged debt. To date, I have not received any communication from them. They are blatantly violating my rights by reporting this inaccurate, erroneous, unverifiable entry. Additionally, this account entry does not reflect a payment history which should be included on any entry that is reflected on my credit report. In my previous communication to them, I specifically requested that they provide an agreement that states their authority to collect on the alleged debt, agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date this alleged debt became payable, original delinquency date, and to date to no avail. As such, since they have refused to respond to my request and not provide any documentation to substantiate their allegations, coupled with the fact that they did not provide me a dunning letter is grounds for this erroneous, inaccurate, unverifiable entry to be deleted from my credit report.
10/27/2019	Yes	Debt collection Credit card debt	False statements or representation Indicated you were committing crime by not paying debt	NY 11710	Web
To whom this may concern. I am writing In reference to the bellow letter from RMS dated XX/XX/XXXX. This is the second letter I receive from RMS saying I owe you money for a plain ticket from XXXX and XXXX. I would like to inform you that I have already paid off this merchant in full and never disputed the plane ticket. I have emailed XXXX regarding this matter and they confirmed in writing the ticket was paid in full and there has been no dispute as you claim in the letter. Please see bellow email attached from XXXX confirming that the ticket was paid In full. RMS has no legal basis on this claim. I am concerned that you have my personal details which clearly I never authorised to provide them to you. You have violated the Data Protection Act of 2018 by sharing my personal information with third parties without my consent. Furthermore I would like you to stop sending me letters saying I owe you money when clearly I dont. If you continue to send me letters or emails I will consider this as harassment and will pursue a civil claim against you for fraud, extortion, violating data protection act and harassment. I will be making a report to the consumer financial protection Bureau for fraud against you.
07/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
I received notification from XXXX XXXX that receivable management collection company has been placed on my credit report.I have no idea about {$170.00} that this company is requesting of me. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents ( Including signed contract ) that receivable management collection company have recorded and retained in my file at the time of this request concerning the accounts that they are reporting on my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the FCRA 15 U.S.C. 1681g, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
01/31/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77020	Web
Under section 809 ( b ) of the Fair Debt Collection Practices Act, upon written consumer request you are required to provide proof and verification of any debt being collected. Therefore, I hereby formally request that you provide the following within 20 days : XXXX. A copy of the original XXXX XXXX XXXX or Assignment document legally transferring this specific account and amount from the original creditor to your collections company. XXXX. Proof that you are licensed to collect debts in Texas. XXXX. A copy of your complete records on this alleged debt, including the chain of title documenting proper transfer of this debt 's ownership from the original creditor to any subsequent owners, culminating in your company. CERTIFIED COPIES ONLY in order to ensure no alterations or modifications to original documents. NOTICE THIS IS NOT A REQUEST FOR CONFIRMATION OR VERIFICATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS, i.e. MERELY EVIDENCE OF DEBT. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT.
05/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95123	Web
Receivables Management Services sent me a letter that I owed money and explaining that they were a debt collector. The letter did not provide details of the debt claimed. I called around XX/XX/XXXX to inquire about it. I explained that I was never contacted by the creditor. I went online to my account with the creditor and confirmed no debt was shown. I called the creditor and was confirmed there was no debt. RMS called me on XX/XX/XXXX about the debt and I explained that XXXX confirmed on XX/XX/XXXX that there was no debt. I received no further communication after this. Today, XX/XX/XXXX I talked to XXXX at RMS and her supervisor XXXX XXXX and they confirmed that the case has been closed and there is no debt to collect. However, they denied a written confirmation of this. If the original communication of a debt came from RMS I expect a letter from same sender explaining the status of the case, especially when the creditor never tried to claim a debt in the first place. After 15 minutes on the phone they still denied giving me a written confirmation for my records stating what they were saying " case closed, we no longer have a debt to collect ''.
02/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80021	Web	Older American, Servicemember
RMS XXXX XXXX, Oh XXXX has been sending me over XXXX bills for services done and paid for by my son at his home at on XX/XX/XXXX Work was preformed by XXXX order number XXXX It was paid for on the same date on his XXXX card ending in account number XXXX ; Paid in FULL for the amount of {$89.00}. On XX/XX/XXXX they acknowledged in writing via email the debt was paid and stated case would be closed. See Below Date : XX/XX/XXXX at XXXX PM MST To : " XXXX XXXX Subject : RE : claim No : XXXX Ref No : XXXX Dear XXXX This is to acknowledge the receipt of your email. Please be advised that we have closed the account in our office today, XX/XX/XXXX, and you will no longer receive any collection activities from us towards the account. We would also like to inform you that we do not report these claims to the Credit Bureaus. We regret the inconvenience this may have caused you. Please let us know if you have any questions. Thank you. XXXX RMS XXXX XXXX XXXX On XXXX they sent me another collection notice for the debt again. I consider this Harassment and they need to stop trying to collect a debt That was for my son but also paid in full. XXXX
02/01/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 217XX	Web
When my daughter received her license in XXXX, I called my XXXX agent and asked if I needed to add her onto my policy. She had an older vehicle from her dad and was already covered under his insurance policy through XXXX XXXX. Because of that, my XXXX agent advised me that I did NOT need to add her to my policy. Fast forward to XXXX, I was in the process of cosigning for a new vehicle for her. During this process, I inquire what the cost would be to add her onto my insurance policy. That's when XXXX says the underwriter wants to backdate my policy to when she received her license, which resulted in a ridiculous charge just to add her. I said NO THANKS, and then opened a policy with XXXX XXXX and cancelled everything with XXXX, Auto and Homeowners. With NO notice or any mail from XXXX, I receive a collection notice on XXXXXXXX for the backdated charges, {$1300.00}. They never mailed me any notice and only waited 20 days to send their predatory bill to a collection agency. That is what I submitted to the XXXX XXXX XXXX - Complaint, but I just want to emphasize here that I never received any notice from XXXX about this bill.
04/21/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23701	Web
The Receivable Management Services LLC, contacted me by phone everyday on behalf of the creditor XXXX for the amount of {$120.00}. When the representatives called me, I told RMS I don't have any funds at that time to pay. RMS stated they would note my account, but could not " stop the calls '', and it would be reported to the credit bureaus, in which they reported it to XXXX, XXXX and XXXX ruining my credit. RMS kept calling against my agreements. I was finally able to pay off the debt through their online payment portal. After I paid off the debt, I was not emailed or able to print out a receipt. Fournately, I was able to screenshot my payment as backup. I assumed the error of not being emailed or the option to print out my receipt was a system glitch. I called RMS customer support and was told by a representative that I would not be given a recepit, but it will be mailed to me in two weeks. I told her that wasn't true because her statements were not indicated on the RMS payment terms and agreements. As of XX/XX/2022, I have no receipt and RMS locked my account so I am not able to get into the account at all.
01/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 373XX	Web
In XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX XXXX regarding my previous auto insurance policy with XXXX ( XXXX. XXXX ). I called them immediately once I received the letter to dispute the claim. They informed me to submit my proof electronically and I did. Since XX/XX/XXXX I have followed up on multiple occasions for an update. First in XX/XX/XXXX they apologized that the proof i submitted was never sent to XXXX and that they would send it over. I followed up twice in XXXX on XX/XX/XXXX and they asked for me to follow up after the holidays. I called today, XX/XX/XXXX and they said no update has been made on the dispute. This has impacted my credit score and it needs to be removed. I can not even apply for a home loan until this is taken care of. The representative i spoke with today, XX/XX/XXXX, told me it is not her job to follow up with XXXX regarding the claim that I need to do so. This has been going on for almost 5 months now, this collection needs to be removed from my credit report as I have done my part in disputing the claim within the 30 days of the letter and submitting proof.
06/02/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 91789	Web
I received XXXX letters on the same day from RMS in XXXX, XXXX. I am a resident of XXXX. The XXXX was a request for payment of an account with " XXXX XXXX XXXX ( re '' totaling {$1300.00}, dated XX/XX/XXXX. The XXXX was a letter " responding to your recent request for supporting information '' about the debt mentioned in the XXXX letter, and was dated XX/XX/XXXX. Attached to this XXXX letter were XXXX statements. The XXXX was from XXXX XXXX XXXX, and dated XX/XX/XXXX. It displayed a balance of {$1100.00}. The second was from the XXXX, XXXX Government, and displayed a balance of {$600.00}, and also dated XXXX. Neither of these documents had my correct name, Social Security Number, or any other correct information. This is not a debt I owe, and RMS is quite obviously trying to get any money they can from me for what appears to be an international, fabricated debt. At no time have I communicated with RMS prior to receipt of these letters, so their second letter " responding to your ( my ) request '' is utterly bogus. Of course, that 's in addition to the utterly bogus " debt. ''
06/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34639	Web	Servicemember
i recieved a collection letter from RECEIVABLE MANAGEMENT SERVICES stating i owed XXXX car insurance for XXXX i have informed them and XXXX that i have not had car insurance in my name since XX/XX/XXXX/XX/XX/XXXX the vehicle i own which is a XXXX XXXX XXXX has always been insured under my domestic partner insurance XXXX XXXX XXXX XXXX with XXXX the prior vechicle I had was a XXXX XXXX XXXX that was totaled out by XXXX in XX/XX/XXXX. At which time we bought the XXXX at XXXX XXXX in XXXX Florida and then transfered the insurance from one vehicle to the next.NEVER DID WE EVER NEED OUTSIDE INSURANCE FROM XXXX. I have sent on several occassions to this company the declaration page from XX/XX/XXXX stating when this vehicle was insured and they continue to refuse to remove this debt from my credit report and harass me for a payment. I have been a victim of id theft in the past. I have called and spoke to various people at this company and there has been no resolve. My XXXX XXXX XXXX vehicle has and still has full coverage on it by XXXX XXXX XXXX XXXX with XXXX since the date of purchase.
03/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 73115	Web
I was notified recently when checking my XXXX credit report that a collection account has been placed on my credit report opened XX/XX/2017. Upon looking i see it is from RECEIVABLE-in regards to XXXX XXXX in the amount of {$160.00}. I Have never received notice of the alleged debt and have no idea what the debt could be for. In doing so i was denied my legal right to dispute any debt within 30 days of notification pursuant to the 15 USC 1681 et al. I would like to ask if Receivable is the original creditor? Can they prove beyond a reasonable doubt that i have a signed agreement agreeing to pay your company? I am demanding this to be removed from all of the credit reporting agencies and proper procedure and protocol is to be followed. if a a reasonable solution is not reached i will be forced to file a complaint with the attorney generals office in the state which said company resides up to including litigation in a court of law. i have also attached a screenshot showing this account removed from one of my reports but still remains on my other credit reports.
01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07090	Web
Dear Sir/Madam, I am writing to express my deep concern and dissatisfaction regarding a recent issue related to the handling of my account by Receivable Management. As a valued customer, I expect that Receivable Management would adhere to the highest standards of professionalism, integrity, and compliance with applicable consumer protection laws and regulations. The crux of my complaint lies in the unauthorized sale of my debt to a XXXX creditor, which has resulted in an unjustified collection account being reported on my credit report. This action not only violates my rights as a consumer but also has a XXXX negative impact on my financial well-being and creditworthiness. I kindly request that you provide me with the purchase agreement, which evidences the lawful transfer of my debt to the aforementioned creditor. It is imperative that you promptly furnish this document to me as part of your obligation to transparency and in compliance with the Fair Debt Collection Practices Act FDCPA 15 U.S.C. 1692 et seq. and other applicable consumer protection statutes.
08/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 14850	Web
Receivable Management Services, LLC located at XXXX XXXX XXXX, XXXX, MN XXXX is attempting to collect a debt on behalf of a foreign creditor XXXX in the amount of {$530.00} for purported services rendered by XXXX, an online publishing company. The debt being collected spans a period from XX/XX/XXXX through XX/XX/XXXX. XXXX is a foreign company registered in XXXX. I utilized the services while I was a resident of XXXX and XXXX. However, my use of the services was for a short period of time during a free trial period, after which I canceled the service and ceased using it in early XXXX. XXXX products are a fee-for-service offering. I never executed any kind of fixed-term or revolving contract or agreement that wound bind me or make me liable for payment beyond the date of which I canceled my account. Furthermore, I've never engaged in any activity, to include seeking or entering into any contract or agreement or receipt of any extension of financial credit, with XXXX I dispute this debt in its entirety, and deem this to be a fraudulent collection attempt.
02/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 10003	Web
Dear cfbp, I noticed a derogatory mark on my credit from XXXX last year. I wasn't aware of an outstanding bill to 06 XXXX XXXX and I was never contacted about it. Nonetheless, XXXX ( the debt collection ) agency told me I could settle the account for {$55.00} and get it resolved on my credit report. I gave my credit card info over the phone and made the payment of {$55.00} on XX/XX/2018. Since then, I have repeatedly checked my credit report. The account / marks are still open / unresolved. I have calledthe agency countless times and they are extremely hard to get in touch with since no one picks up their customer line. EVERY single time I'm assured that they will close the remarks on my account. The last time I contacted them over the phone, they asked me to write an email request as well. Yet it has been months and months of waiting and calling and yet they won't close the account. I feel abused and they waste a lot of my time and this has been unnecessarily been hurting my credit for years. I am completely fed up with their behavior.
12/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 486XX	Web
Receivable Management Services is trying to collect a debt that is not mine for XXXX XXXX XXXX. They can not provide me with a signed contract as I have requested numerous times. The only thing they will send me is a bill that has my name on it and the amount they say is owed. They recently sent me a single piece of paper that literally only has my name, address, policy dates and amount they say is owed. Per XXXX policies an individual can not have an active insurance policy with them if they have a past due balance. They will cancel the policy and you can not get a new one until the other is paid. I currently have insurance through XXXX. The debt is not mine and I have repeatedly asked the credit bureaus to remove the account from my credit reports. They will not because they claim Receivable management has verified the account. The credit bureaus will not provide me with the documents they have to substantiate their claim that the debt is mine. The amount they are claiming that I owe is {$330.00}, and the policy number is XXXX.
03/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 44107	Web
We obtained oven repairs from XXXX. The repairman quoted us a price that included a 20 % discount on the service that resulted from the purchase of a service contract. We paid for the parts on the original visit. When the parts came in a service man came out and finished the install. At that time the service man was unable to figure out why the discount was n't applying and took the check for the balance on the account based on our original receipt. I contacted XXXX many times over the next several months and in XX/XX/XXXX spoke with a representative that understood that the twenty percent discount had not been applied. He informed me that he would send over a letter to the collection department so that they would n't continue to bill us. I continued to receive bills and have mailed back all the receipts and information. XXXX home service had no contact information to resolve the billing dispute other than a mailing address to which i sent all information regarding the matter without getting verification of resolution.
02/03/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	MS 39211	Web
Receivable mgmt services account XXXX is trying to collect a debt from me I sent them a letter XXXX for the original purchase agreement to show that they can legally collect this alleged debt proof that the debt was assigned or a receipt between them and progressive insurance.Receivable mgmt services is the creditor report inaccurate information on my credit report they should have signed documentation between me and them.so if they cant provide me with these documentation l ask them to delete this account immediately as am a victim of identity theft as this account is hurting my credit rating.l have no account with Receivable mgmt service or ever had one with progressive insurance.But if I did have a account with progressive insurance not saying I do I never gave them permission to sale the debt to receivable mgmt service.Receivable mgmt have 15 days to provide me the documentation I ask for if not I will file a lawsuit against them for damages and defamation of character l never got a notice or anything in the mail.
01/15/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30350	Web
The Receivable Management contacted me in XXXX, in reference to a debt owed to XXXX XXXX. I stated to the collections company to stop contacting me, due to the fact I do not owe Receivable Management monies. They area third party hired to collect on a " paper '' debt from another company in the amount of {$130.00}. I specified to " XXXX '', there is not a debt owed to Receivable Management by me, due to no contract. By law, there is no documentation in which services was rendered or provided through a written contract in which there is a debt owed. The agent " XXXX '' stated to me it will show on my credit report and cause me to not be able to apply for credit. She continued to raise her voice after I stated her contact was illegal in that tone. There was another call 2 days after from a male agent who insisted on forcing me to make a payment plan for the XXXX. I do not owe any monies to Receivable Management and the agent told me that was a lie. I continue to get multiple calls even after advising them to stop.
05/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 440XX	Web
I was charged {$96.00} for a diagnostic repair on XX/XX/2019. The amount of {$96.00} was paid the same day to the technician. I received an email confirmation. However, sometime sss the XXXX company sent me multiple invoices saying I still owed. I told them on multiple conversations that I had already paid the debt in question in full. They told me I had to prove that I had already paid my bill. I explained that I complete my fiduciary duty when I paid for their services on XX/XX/2019. I also purchased a new {$700.00} replacement dryer from XXXX months after paying for the diagnostic repair. It is unethical and careless of XXXX to force a paying customer to prove that they paid for a service, where they were the ones responsible for sending the invoice. Had I not been a responsible consumer and kept up with the invoice/receipt from 5 months ago, I might be responsible for paying this inaccurate debt. XXXX sent this debt to collections after being told multiple times that the debt had been satisfied.
02/10/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77407	Web
In XXXX of XXXX, XXXX XXXX XXXX XXXX came to my home to troubleshoot a problem with my XXXX refrigerator. The technician who came did not do anything or order parts, and did not provide a detailed invoice with the services completed during his visit. I was charged {$100.00} for unknown services, which I disputed right away in XXXX, XXXX, and now XXXX. XXXX XXXX XXXX has referred my amount due to The Receivable Management Services, LLC in XXXX, and has denied my dispute. In the pictures shown below, there are no copies of an invoice or receipt for any work completed. I have been a customer with XXXX for over 15 years, or longer, and I have always received an invoice to sign whenever a technician came to my house to fix my refrigerator or washing machine and dryer. Someone has always been present at my house to let the technician inside, and has always been left with a receipt. This is the first time they have either attempted to scam me, coerce/extort me into a payment, or invalidate my dispute.
11/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34761	Web
I have tried several times to have this account removed from my credit report. It is Receivable Management, I do not have any contract or account with this company, yet they have my nonpublic personal information. I have a FTC report as a formal statement that this is fraud. I have requested that the consumer reporting agencies remove this item from my credit report, but they have not complied with my request. They have violated several codes under the FDCPA and FCRA. I am requesting to have this removed from all 3 of the consumer reporting agencies.According to 15 U.S. Code 1692j ( b ) - Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Under 15 U.S. Code 1692k Civil Liability ; I have attached all supporting evidence including the FTC Identity theft report and the amount of damages that I as a consumer am looking to collect.
10/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23188	Web
XX/XX/XXXX i cancelled my auto insurance policy with XXXX XXXX via phone and email to XXXX XXXX with XXXX XXXX XXXX. XX/XX/XXXX a collection letter is sent to my rental property from The Receivable Management Services XXXX ( not even to the address they have on file ) for {$71.00} for a late payment. XXXX XXXX was paid in full by my mortgage company, the policy was cancelled and insurance was provided through XXXX XXXX. Proof was sent several times and it seems like nobody is handling this the collection is still active. In reality they owe me a full year refund because my mortgage company paid XXXX XXXX while i paid XXXX XXXX after cancelling XXXX XXXX i did not receive a refund. I am less concerned about that but more concerned that the {$71.00} collection account will go on my credit report. I sent proof of insurance to all XXXX, XXXX XXXX XXXX and The Receivable Management Services, XXXX, it should not take this long to realize i do not owe this money. This is a false collection.
12/28/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	PA 180XX	Web	Servicemember
On XX/XX/2016 at XXXX, RMS contacted me on my cellphone from the number XXXX. I called the number back 5 minutes later to see who it was. They informed me that they were calling regarding a small debt I owed to my former auto insurance company. I informed them that I do not want to receive calls on my cellphone and gave them an alternate number to contact me. On XX/XX/2016 at XXXX, RMS contacted me again on my cellphone from the number XXXX. I informed the representative that I had requested that they not contact my cellphone when that company contacted me three ds prior to that call. The representative was extremely rude to me during the call and I had requested they either erase my debt or I would consider legal action since the company contacted my cellphone after I requested they not contact my cellphone. I had contacted the company the next day and was informed that they returned the debt to the original creditor because they could n't collect on it anymore.
04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30126	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
07/11/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	UT 84096	Web
Our company received an invoice from XXXX XXXX in XXXX of XXXX regarding an alleged re-delivery charge for a pallet sent to us by a vendor in XXXX of XXXX. We reached out to XXXX XXXX at that time for more information and were told their driver noted they attempted delivery to our warehouse in XXXX but we were closed for business and they were unable to deliver the load. I informed them that was a false claim and we were absolutely open for business during our listed hours of XXXX. Additionally, I have provided video evidence from our surveillance system to their XXXX XXXX department proving without question we were open for business and their driver 's claim was an outright lie. The re-delivery charge listed is {$600.00}. This week I received a letter from a " collection '' agency named The Receivable Management Services LLC with a demand amount of {$25000.00}, referencing the XXXXXXXX XXXX balance information but adding a fee of over {$24000.00}.
12/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 291XX	Web
In accordance with the Fair Credit Reporting act. RECEIVABLE MANAGEMENT COMP # # # # # XXXX XXXX XXXX XXXX XXXX both violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the NO SURPRISE ACT, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
01/19/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NY XXXXX	Web
The company calls and states where they are calling from, they asked my name and i conformed, they then proceeded to ask if i reside in ***** address, which i did not so I said no, I then inquired on behalf of what company they were working for like whose debt are they trying to collect and the refused to divulge this information, just stood quiet, I continued to ask, " who is this debt on behave of? what company is it coming form etc etc and then i got hung up on. Upon calling them back i get a gentle man, i believe his name was XXXX XXXX and he was just as obnoxious and only wanted to get info from me, asking me my name, phone number, dob, and address as well, I provided everything but a current address and he too refused to explain this debt and hung up. This is a trash company obviously and they need to work on their customer service they assume that because they are a debt collector they can treat you how ever and not true.
07/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IN 462XX	Web
In 2019 RMS attempted to collect a debt for XXXX XXXX in the total amount of {$55.00}. An AUTOPAY was set up to make 2 payments for this amount. After the amounts had been collected they put a collection on my credit report for {$27.00}. I logged into my account on the RMS payment website and discovered that they showed a {$0.00} balance and that the {$27.00} was PAID on XX/XX/XXXX. ( It was still showing no balance as of XX/XX/XXXX. ) Because of this there wasn't even a way to pay anything because their own records showed a 0.00 balance. I sent them all photos from their own website to prove this and get it removed from my reports. They kept refusing and kept saying I still owe it. I finally recently disputed and sent evidence to all credit bureaus. One credit bureau removed the collection and I have yet to hear from the other two. Today I receive a letter from RMS saying that I still need to pay the {$27.00}.
08/08/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 75149	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX The Receivable Management Original Creditor- XXXX XXXX Dear Sir/Madam, Re : Original Creditor- XXXX XXXX Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. With that in mind, I would like to propose to settle this debt for {$150.00}. In return, I request that your company remove any late payments or charge-offs related to this account on my credit report. If your company is willing to accept this offer, please prepare a settlement agreement, sign it and send it to me. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. Sincerely, XXXX XXXX XXXX
01/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MD 21218	Web
On XX/XX/2022 I spoke with the creditor Receivables Management about paying a debt in order to clear the information from my credit report. I spoke with a representative and the explained that once the debt is paid they can remove it but it would take 30 to 60 days. I paid {$470.00} to the debtor. " I recently followed up with the debtor on XX/XX/XXXX to inform them that the debt was still reflected on my report as settled but it was not removed. They explained to me that the account was settled and they are not required to remove it. I informed them that I spoke about the debt being removed when I made the payment and the representative said they could remove the debt after it was paid. However, I am now being told something different. And they redirected me to file a complaint with the credit bureaus, but I don't see how this is the case when they were the ones who informed me they would remove it.
08/31/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 11763	Web	Older American
My wife and I had XXXX XXXX XXXX prescription coverage with XXXX XXXX XXXX ( XXXX XXXX XXXX ) for a few years. The yearly premium increases made the XXXX monthly costs not affordable for us. We called them in XXXX XXXX and said we no longer could afford this plan. They continued to send us bills month after month. We did not use this plan to pay for any prescriptions after XXXX XXXX. We wrote them a note in response to their last bill stating the above. They ignored our note asking them to stop sending us bills for a plan we no longer have and have not used since XXXX XXXX. They now have a debt collection company, RMS in XXXX, Ohio trying to collect {$190.00} from both myself and my wife ( a total of {$380.00} ) We do not owe XXXX XXXX XXXX this money for a plan we no longer participate in or made use of after XXXX/XXXX/XXXX. This company has not paid XXXX towards any prescriptions for us in XXXX.
02/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	NV 89012	Web	Older American
I received a call from Receivable Management Services XXXX. They requested that I identify myself. I did, and then I asked who they were. They refused to give me that information, but insisted dthat I had to give them all my personal information. I absolutely refused and they hung up. I called them back by the caller ID and found out that the call was about a XXXX bill. I promptly called XXXX, and I got the issue resolved. It was a mistake on their part. The account had been written off for service issues, but someone accidentally sent it out for collection. My complant still stands against Receivable Management services for not properly identifying themselves. This is a violation of Federal Law. They must tell you who they are and why they are calling. It is also against Federal Law to require that someone tell all their personal information before knowing who they are talking to and why.
06/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48197	Web
Hello my name is XXXX XXXX XXXX and I would like to put in a complaint with Receivable Management. The complaint is about Receivable Management a debt collector on behalf of XXXX XXXX XXXX XXXX. The issue that I am having is that I cancelled the auto insurance policy at the end of the 6 months, on XX/XX/XXXX this was terminated. Receivable Management has placed a debt collection onto my credit report twice one in the amount of {$1300.00} on XX/XX/XXXX and the other for {$340.00} on XX/XX/XXXX. I am submitting this complaint on behalf of myself. I have reach out to progressive and they have in their system that the auto insurance has been cancelled effective XX/XX/XXXX. I have contacted Receivable Management to discuss the dates and amounts weren't accurate. The representative did not want to hear my complaint and basically told me its yours and there is nothing they could do about it.
11/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95062	Web
I have received numerous collection letters in the past year. The letters indicate that I owed XXXX XXXX of California that they turned over to a debt collection service. I have contacted XXXX XXXX of California several times and have been told that my record is clear and there was nothing turned over to a debt collection agency. I have tried calling the number on the letter ( XXXX ) XXXX and have never been able to speak to anyone as it simply rings and no one answers. The letters come from several different addresses and the format of the letter often differs. It is almost like the communication is being cycled through different processes to make it appear it is being escalated. I have even received a letter that had an envelope which was blank including no return address and asked in the letter to write in the return address shown on the letter. I am convinced this is a scam
06/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20735	Web
On XX/XX/2019, XXXX setup appt for XXXX to service my snow thrower. The technician serviced my snow thrower. Afterwards, I paid by credit card and the technician gave me a receipt. I called my credit union to verify the payment was charged on my credit card. I called XXXX customer service to get a receipt and they emailed me a receipt with the technician ID number and the full amount. For the last 3 months, I've been receiving letters from XXXX collection dept. stating that I owe {$120.00}. I just recently received a phone call from The Receivable Management Services LLC. The representative was rude, loud talking me, while I was explaining that paid the amount in full and have proof of payment. The representative hung the phone up on me. Now, they're sending me letters stating I owe the amount. I've sent two ( 2 ) letters and a copy of a receipt from XXXX customer service dept.
07/09/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33032	Web
On XX/XX/XXXX i disputed the account because it has a debt that is not correct. i sent over a letter to receivable management services that are collecting for progressive for debt validation. They sent me a paper stating that the policy was effective XX/XX/XXXX and i cancelled it the same day due to the fact that i got a better rate with XXXX. Today i called them to give me a break down on this debt, and they had no information pertaining to this. The representative did state that they do not hold any documents because the of the year of the debt. So the information that they provided to me is not a debt validation of any form. Also she stated that the calls are being monitored and recorded, so she stated that she will see if XXXX can come up with a bill that shows payments. Also stated she said the last payment was in XX/XX/XXXX, but couldn't verify last payment information.
08/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	KS 662XX	Web	Older American
I called the company and enquired about the account and they had my social security number instead of my son 's social security number, I had my son on the phone, and he verified he was the responsible party. Then they told me that he must have given them my social security number, which he denied, but either way the derogatory mark still is on my XXXX report, I have tried several times to dispute this with XXXX. This collection agency knows this is not my account, I have never had insurance with XXXX, and XXXX turned this account over to this collection agency RECEIVABLE MGMT SVCS. Which I believe has put this Derogatory mark for non payment in an attempt to make me pay my son 's payment because I have no bad marks on my credit report and my credit is above 740 points. since he is a junior and I am senior. our names are the same but his social is not the same as mine.
08/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 336XX	Web	Servicemember
I pulled my credit reports today, XX/XX/2020 to find I have a collection listed on my reports by Receivable. Upon further research I found this was a debt purchased from XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. I am willing to offer a settlement of {$100.00} being that the debt was sold and bought for pennies on the dollar for the debt, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted numerous times to dispute this to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. It will be acknowledged the debt to be removed and considered paid in full
01/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89081	Web
I ordered a product with free shipping. The shipper XXXX XXXX tried to collect an additional XXXX from myself after. In XXXX I got a collection Letter from XXXX XXXX XXXX and filed the exact complaint asking for proof I am responsible for shipment. They only send me a document I received the shipment. Now I am in receipt of another collection letter only from Receivable Management Services. The letter I got from them states there was 3 pages but i only got 2, I am asking for validation on the originating documents that I agreed to pay. XXXX XXXX nor XXXX provided them to me. I am resubmitting this complaint as you directed it to the wrong company. Complaint number XXXX was incorrectly sent to Receivable Management Inc in XXXX Texas . This complaint is directed to Receivable Management Services-Recovery Division LLC in XXXX, MN who I sent a certified demand too.
07/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98188	Web
Hi Sir/Madam, I am surprised to receive a letter in my mailbox from a debt collection agency " The receivable Management Services LLC ''. This agency says that I owe them XXXX dollars which I do not recognize. They say they are acting on behalf of XXXX XXXX XXXX. I acknowledge having an insurance policy with them last year, but on my request I canceled the insurance policy because there was an unjustified price increase. I had not received any tickets or been involved in a traffic accident. I have obtained from XXXX all guarantees to cancel my insurance policy. They said they will refund the money already paid for the month of cancellation. I have all the received emails that I will send to you to help me resolve this situation. The receivable Management Services LLC openly threatens to send negative information in my credit report for a debt I do not recognize.
06/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 172XX	Web	Older American
I was contacted by Receivable Management Services Corp to pay a debt owed to XXXX XXXX XXXX at a reduced rate. % 50 of what is said I owed. I opted to do this. So I paid the amount and asked for a receipt, which they sent me. And I expected to have this removed from the credit report, but alas after many, many attempts to resolve this. and speaking to many people both with the R.M.S company and supervisors, and the credit reporting agencies involved, nothing has been done. They both seem to pass the buck, even with documentation. ( which I have enclosed ) This has been going on since XX/XX/2017, and still reported as owed on my credit report. The reporting agencies, both XXXX XXXX and XXXX, say maybe this is a new claim #, so I disputed again, and then again, with the same outcome. And it is the same claim # XXXX ... .... I do not know what else I can do.
06/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 125XX	Web
I worked for XXXX and when I left the company, I owed them {$620.00} in commission I was advanced. They gave me until XXXX XXXX to pay the debt and I payed it on XXXX XXXX. Despite the fact that I paid my obligation, XXXX sold my " debt '' to XXXX XXXX XXXX XXXX. I informed the debt collection company that I had paid this debt ( provided canceled check information and provided contact information for XXXX employees who could verify this fact ) and never received any feedback from them regarding this issue. I called them on XXXX XXXX to see if this situation has been resolved, and they told me XXXX informed them that I had paid my debt and no longer owed them anything. I asked for them to send me something in writing saying my debt was satisfied so I could have this erroneous claim removed from my credit report because I am buying a house next year.
05/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WY 824XX	Web
RECEIVABLE MGMT SVCS at address ( XXXX XXXX XXXX, XXXX, WA XXXX ) has been sending me collection notices in the amount of ( {$100.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. In accordance with the Fair Credit Reporting Act, XXXX Account ( that goes by ) : RECEIVABLE MGMT SVCS, The Receivable Management, and The Receivable Management Services LLC, 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
03/03/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NC XXXXX	Web
I was challenging a bill with my insurance company, XXXX XXXX, and had an escalation in place. I received a phone call stating that the " escalation had been resolved '' and the company was sending me a letter of resolution. However, I never received the letter, therefore I was unaware the insurance company had decided that my request to dismiss the charge was denied. I received no further communication from the company regarding this debt until I got a letter from a collections company 6 months later. I have contacted the insurance company about this issue and even though the representative confirmed that the resolution department had the wrong address on file, the billing department wo n't pull my debt from collects until I pay. All I want is my bill removed from collections, so it does n't negatively affect my credit.
10/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 19152	Web
I ordered a printer from XXXX, and many things happened just for a coupon to work because the rep told me to order first then he 'll apply coupon for me. Afterward, I tried to cancel a few times because they would n't honor the coupon then fast forward 2-3 weeks later, I still get no tracking or anything of this printer because I was supposed to deny delivery in order to get my refund. So then I disputed with my credit card company and won and thought this ended. They come after me months later trying to get money off me for this printer that I did n't receive and of course I emailed back and forth with them. They told me they fixed it and gave me credit for this. I even emailed the receipt and information to their collections email and now I get collections notice today in the mail that it went to a collections agency.
02/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77502	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against RECEIVABLE MGMT XXXX My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
10/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 10469	Web
On XX/XX/2021 collection company name receivable management Se, reported the amount of {$920.00} on my credit file, when I contacted the company they did not had my correct information like my address and phone number and they told me the amount is forcar insurance charges which I never had. I explain them I do had place fraud alert on my credit file since XX/XX/2021 as I was seeing someone trying to obtain credit using my information as I was seeing all the inquiries on my credit file so I decide to pick my file and put fraud alert. They said as the information is not matching with your address and phone number we will investigate but they did not remove that account from my file yet. I request please investigate the matter and and ask the company to immediately remove the account from my credit file thanks.
03/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98058	Web	Servicemember
On XX/XX/2019 when attempting to get pre-qualified for a home mtg. loan, I found that there was a collection on my credit report. I contacted the original creditor, and asked them what I owed their company. I right then paid the outstanding amount they said I owed. The company emailed me a receipt. I then rechecked my credit report after a few days, and not only is the debt still showing unpaid but another collection agency on XX/XX/2019 added a new collection from the same original creditor. I have asked and sent numerous emails to try to resolve the issue, with no response what so ever. I also called the collection company, was told someone would email me. I am trying to purchase a home, and this is an urgent matter. I need a response, and need my credit report updated showing the account has been paid.
05/19/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70501	Web
I entered a consumer credit transaction with RECIEVABLE MANAGEMENT and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that RECIEVABLE MANAGEMENT claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. RECIEVABLE MANAGEMENT has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
01/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19134	Web
XXXX XXXX of XXXX, CA mailed our company compliance posters on XX/XX/XXXX. These posters were not ordered or authorized by our company. We contacted XXXX XXXX and informed them of this fact. They stated that the items were authorized by our company president on XX/XX/XXXX. This is not a true statement. XXXX XXXX refused to pay for return shipment or to cancel the debt. They subsequently referred the matter to a collection agency, who contacted our company on XX/XX/XXXX. We responded with an email response to XXXX XXXX, but received no response. We were contacted again by the collection agency on XX/XX/XXXX. Our president called the agency ( Receivable Management Services, LLC ), and notified them we considered this instance of fraud on the part of XXXX XXXX and would be taking appropriate action.
01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21222	Web
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 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 verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately :
03/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VT 057XX	Web
XXXX XXXX charged my dental insurance after an appointment when I told them I didnt have insurance. I paid for my dentist appointment that day in office. The dentist charged my insurance also by mistake. XXXX XXXX XXXX sent me a letter saying I owed them {$170.00} for that visit. I called my dentist and XXXX and told them about the situation multiple times. My dentist said they sent a check to XXXX. XXXX said they never received a check. It has been so long that XXXX sent that debt to a debt collector, The Receivable Management Services LLC. I disputed the debt with them through both the phone and online form saying its not mine. I continue to get letters about this debt. I want the letters to stop. I dont want to be the middle man. Its an issue between my dentist and XXXX. I feel harassed.
12/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08648	Web
After reviewing my credit profile XXXX, I identified a discrepancy with the account listed under The Receivable Managment and requested validation as this was an account I did not recognize. Its been over a month and I still have not recieved any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.
11/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30092	Web
I XXXX XXXX was a victim of identity thief and therefore these collections were placed on my credit file fraudulently. Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection 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, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you
01/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93308	Web
The Receivable Management Services reported to the credit bureaus a derogatory collection on my account XX/XX/2019. I did not receive any correspondence by way of mail or a phone call before they reported to the credit bureaus. As soon as I found out about the derogatory reporting to the credit bureaus, I sent a letter XX/XX/2019 to Receivable Management requesting validation of this debt with competent evidence bearing my signature. I received a response letter from them just stating that I had an amount due with no validation of the debt. I again sent another letter XX/XX/2019 requesting any viable evidence bearing my signature showing the account being reported accurately. Again, they sent a copy of the first response with no validation that I owe any debt to Receivable management.
03/13/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 21227	Web
I was trying to make apply for credit to make a large purchase and was denied due to a collection from Receivables Management reporting on my credit report. I was unaware of this debt until I applied for credit, was denied, which I then went to pull my credit report and saw a collection that I was unaware of. I never received any communication regarding this debt from Receivables Management nor the original company that owns the debt. I don't even know who the original company is that owns the debt. I was not allowed to validate this alleged debt prior to the company reporting it to the credit bureaus which is substantially damaging my credit. Prior to Receivables Management Corp. placing the negative item on my reports, they made no attempts to reach me regarding the alleged debt.
11/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 80601	Web
A company the XXXX claims that I owe over {$1000.00} to pay for an audit on a account with them that I do n't have. I cancelled my account with them and yet they want to do an annual audit for a workers compensation account that I paid with them for nearly a year. Now a collection agency RMS sent me a letterA representative told me that they needed to audit my account in order to decide if my monthly payments for the next year coming up would be accurate. I 'm not doing business with them in the next year so there will be no payments at all. So it seems unjust to me to pay a ridiculous amount of {$1100.00} for them to run my income report etc ... And in the one year I did do business with them, my financial disclosure was accurate on my end so I have nothing financially to hide.
10/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 152XX	Web	Servicemember
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 XXXX 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 XXXX 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.
01/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IN 46256	Web
XXXX representative examined our refrigerator on XX/XX/2017 on a warranty call and were paid a {$100.00} deductible that day. Subsequently, XXXX has sent multiple letters stating we owed the {$100.00} deductible. We called XXXX separate times and the call center would look up the account, look for payment the day we told them the check cleared, agree there was no amount owed, and then say they would take care of it. When I asked the third time if they could not update their system correctly, I was told to there would be no further problem and to ignore any further letters. We ignored further letters as told and now have received a collection letter from The Receivable Manager Services ( RMS ) as well as a phone call from RMS. We are now sending proof of payment to RMS as well.
03/20/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	SC 29708	Web	Servicemember
I was threatened, called and harassed about these debts. I had lost my job and was in-between when some of this was happening and I tried to make payment arrangements but nothing worked and now my credit is damaged. I have worked so hard over the last 2 years to pay all bills timely and even to establish additional credit cards to build my credit. After I paid these items that I am referring to, I also took the time to call each and ask that they remove these damaging remarks from my credit report and I also called all 3 agencies to request they are removed as well. Please assist me with getting this corrected. I am a XXXX veteran and while I am privy to benefits this isn't one of them. I am trying to purchase my forever home and at a time where I can enjoy it. Please help!!
04/19/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	LA 711XX	Web
I am reaching out to have collection debt from receivable management removed from All three credit reports. XXXX XXXX and XXXX. The company is third party company that has started harassment from different numbers including blocked numbers to collect debt for XXXX car insurance company. The representative are calling with threatening and violent language demanding a payment. I spoke to XXXX on a settlement last year and never was contacted back and now this third party company has purchased the debt and now sending threats. I wish to have Receivable Management removed from my credit reports due to harassment of the consumer and my rights of them purchasing debt which of my understanding is now settled and paid in full by the owner whom now belongs to Receivable Management.
10/24/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44120	Web
On XX/XX/XXXX I faxed a cease and desist letter to the receivable management @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against the receivable management. I requested that ability recovery services send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from the receivable management and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. I need signed documentation with my signature on it.
04/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	PA 15701	Web	Older American
RMI has called multiple times after XXXX, even after XXXX, despite being informed that the matter is contested - charges for medication insurance ( after date of cancellation ) that had been cancelled because the insurance had ceased medication coverage! RMI was told the billing was contested, with request for the names of their officers/owners and those of XXXX Mmedicare RxSaver Plus PDP who apparently sent them the bogus charges and instruction not to contact me again until that information was provided. Not only has RMI not provided the requested material. Not only has RMI continued to contact me, but now they are repeatedly contacting me after XXXX. When their telephoning individual is informed that they are calling after XXXX, they are refusing to terminate the call.
10/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KS 666XX	Web
RMS attempted to collect a debt of XXXX for XXXX insurance. I've called them and told them i don't owe the debt because I had other insurance. They added it to collections before the timeframe given to respond. I also sent a certified letter to the company. No one has called or responded in a letter. No one has sent me any documents proving to me that i indeed owe the debt. Now they have yet again ILLEGALLY added it to my reports again. I do not have faith in this company. They are trying to ruin me for XXXX! I am making strides to pay off debt i owe. I have arrangements for debt i owe. So why would i ignore the SMALLEST debt I ALLEGEDLY have? This is obsurd and they are not abiding by the law in my opinion. I feel my rights have been violated in every sense of the word.
10/31/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	WI 53209	Web
This company first contacted me months ago claiming I owed money to progressive for car insurance after I switched insurance companies. I disputed it and send them proof that they had been paid and that progressive actually owes me a partial refund. They called and said they did not receive it. I told them to stop calling me and send everything in writing. I also mailed a letter and included in the fax with another set of my documents. They stopped calling. Then suddenly they started calling again. I asked them to stop calling and even referenced the written letter. They claimed they never got anything and continued to call to the point that I blocked their number, but apparently my blocking system still allows them to leave messages which are 30 seconds of silence.
07/27/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	WA 98272	Web	Servicemember
I keep receiving repeated no voicemail left calls from XXXX. Will list dates at end. Doing an internet search comes up with Receivable Management Company ( collections for XXXX XXXX ). I have received one mailing from them 2 weeks ago. Claims states open since XXXX. We had progressive last year and the policy was cancelled in XXXX for non payment. They are now trying to collect premium thru XXXX even though XXXX cancelled in XXXX. They are listed on 2 of my credit reports as open and on 1 credit report as closed, included in bankruptcy. This debt is not valid and the repeated calls are harassment. Dates - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the list just continues ....
10/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 79905	Web
On XX/XX/2022 I cancelled policy number XXXX after XXXX increased rates. I have the policy cancellation and confirmation email from the company stating I have XXXX balance on that account. This is the second time XXXX falsely reports this to the credit bureau and hurts my credit score. They refuse to answer my direct emails and continue have ignored my requests for providing documentation proving explaining these charges and why they are linked to my report. This is inaccurate information and they are in direct violation of some of my consumer rights. I am submitting emails received from XXXX demonstrating inconsistencies with their numbers. Cancellation was done in XX/XX/XXXX they did not cancel it until a month later. I am still owed {$930.00} for overpayments
01/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90024	Web
On XX/XX/XXXX I changed my car Insurance from XXXX XXXX, policy XXXX. XXXX to XXXX XXXX, policy XXXX. XXXX. Later XXXX XXXX send me invoice for {$140.00} and said that if I had insurance before cancellation date with them which was XX/XX/XXXX, they will review and cancel their demand. Despite of sending them my new insurance info, they didn't care and forward my debt to R.M.S. Collection agency. On my phone call with R.M.S. on XX/XX/XXXX, and faxing them the document showing I have insurance before XX/XX/XXXX, the report it to XXXX XXXX. Despite of sending copy of all docs and letter explaining the fact, they didn't care about my demand to Delete it from my report. I now demand that XXXX XXXX review my documents and delete it from my report. Thanks, XXXX XXXX
08/29/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 93274	Web
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. Simply providing me with the policy number, policy dates and balanced owed is not adequate validation. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.
03/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NM 87002	Web
I have received at least 3 phone calls from Receivable Management XXXX XXXX at ( XXXX ) XXXX, prompt 1, extension XXXX. The agent identifies as XXXX XXXX. The last call was XX/XX/XXXX. On XX/XX/XXXX, I received a form letter from The Receivable Management Services LLC stating they are a debt collector. The form letter stated I had a XXXX XXXX account and as of XX/XX/XXXX, I owed {$3900.00}. I have never had any account with XXXX XXXX. This debt is not mine. RMS also listed an account number for XXXX XXXX, and a reference number for The Receivable Management Services LLC. The RMS form states I have until XX/XX/XXXX, to dispute the debt, and stop collection on any disputed amount. Once again, I have had no dealings with XXXX XXXX and this debt is not mine.
08/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94015	Web
My wife and me was having medicare service with XXXX XXXX XXXX for the year of 2018. A number of years we have service from XXXX to XXXX of every year because my wife us working at the XXXX XXXX XXXX from XXXX to XXXX/XXXX.Through my wife 's work we are cover by XXXX XXXX . In order to make sure that XXXX XXXX XXXX get the message that we are are going to stop the service in XXXX I called the XXXX in XX/XX/2018. I wrote down that I did talked to XXXX XXXX and others with the reference number XXXX. I did requested to talk to some one higher up on the phone and was told that I do not have to do anything as noted during the conversation that XXXX XXXX will inform XXXX XXXX XXXX. Anyway I gave the reference number a number of times and the problem is not solved.
01/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30034	Web
Receivable MGMT does not have a contract with myself. The FCRA requires a written contract. Receivable MGMT has not provided verification. Only a final bill that is not itemized nor does it reflect the actual account holder. I was not given an opportunity to dispute, because I do not live at that address. By law, receivable MGMT is required to remove any negative reporting while they investigate, the are not legally able to keep any inaccurate information on my report while they try and find validation. They should have this documentation already if they intend to collect. This account was protected under the CARES act and was communicated to the original debt holder which is NOT Progressive. I plan to follow up with the State Attoney Generals office
11/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	SC 29205	Web
Receivables management has re-aged old debt thats almost 10 years old on my credit to make it look and seem as if its only first reported on XX/XX/2017. And I have proof that in 2017 there was no way they could have contacted me or known where I was at to inform me of any such bill of XXXX . And I was never contacted or informed by the original creditor as well because of me being underage when it was first reported. Im XXXX and was XXXX when the bill was first made and to young to even pay such a bill. After 7/years now this collection agency has re-reported the same collection to re-age it. Which is a clear and direct violation of my consumer rights.i have hired XXXX XXXX XXXX to dispute these reports-aged collections and we are now in escalation.
12/29/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19145	Web
To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as OPEN, but also as having a past due balance of {$220.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to The Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
07/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30314	Web
The Receivable Management Services Corporation is attempting to collect a debt that I do not know. I have requested numerous times that the company provide me with information showing that this debt is mine as well as the amount owed. They have failed to provide me any documentation that this is my debt, but are continuing to send bills threatening to take legal action if I do not pay the debt. This has been going on since XX/XX/XXXX. They have also been reporting that I owe them {$380.00} to the credit bureaus which is damaging my credit. I first requested that they verify that I owe the debt back and XX/XX/XXXX and never received any confirmation. But they are continuing to send bills threatening legal action and reporting to the credit bureaus.
10/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 14051	Web
A supplier sent us an ice maker that we received damaged. We contacted the supplier and they replaced the item and said they would make arrangements to pick up the damaged item. XXXX XXXX ( XXXX ) came and picked up the item. We never spoke to XXXX or administered the pickup. A few months later XXXX sent us an invoice for the shipment ; we contested it and reached out to the supplier to confirm. Both entities said they would correct it. XXXX has since been harassing us for payment and involving other collection agencies who despite our supplying documentation, have continued to harass us regarding this erroneous charge. I want to make sure it does not impact our credit standing or reflection of reliable payment history. Thank you
01/20/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	WA 98338	Web
I received a collection notice in early XXXX XXXX from The Receivable Management Services Corporation ( 'RMS '' ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX alleging an unpaid debt to XXXX for a hotel reservation in XXXX XXXX. I had completely resolved the issue in XXXX XXXX with customer service at both XXXX and my credit card company. After receiving the collection notice I again confirmed with XXXX that my account was in good standing. XXXX stated that they did not utilize third party collection agencies. The notice from RMS contained reference numbers that XXXX was able to use to look up my reservation. Somehow RMS has improperly gathered details of my hotel reservation without communication with XXXX. This is a fraud.
11/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 27502	Web	Servicemember
Military Deployment XXXX XXXX XXXX My wife was deployed with the XXXX XXXX to another country. During this deployment, our pharmacy XXXX Pharmacy billed all prescriptions through XXXX, which XXXX accepted. Upon return from deployment, XXXX claims that XXXX should have been the insurer and sent the bill back to XXXX Pharmacy. XXXX Pharmacy attempts to collect from us, so we manually bill XXXX. XXXX claims not to have a contract with XXXX during the time period above and refuses to pay the bills from the pharmacy. The bill is for XXXX, which is now handled by " Receivable Management Services LLC '' as the debt collector. I have contact all XXXX parties ( XXXX, XXXX, XXXX ) and explained the timeline, but they have all refused to assist.
11/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 127XX	Web
The Receivable Management Services is attempting to collect a debt that is 1 ) Possible identity theft and 2 ) Possibly past the statue of limitations for collection. XXXX also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency. I am now demanding proof proving this debt belongs to me, including proof of my identifying information that connects this debt to me. I am also demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's
11/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 18018	Web
I am lodging a formal complaint against receivables management. This debt collector has reported derogatory information on my credit reports for a debt that I have no knowledge of having I have sent this company numerous letters with request for debt validation, not verification but they continue to ignore my request. They have also violated the fcra by not sending me a dunning notice in the mail. The debt is for {$320.00} and this has been going on since XX/XX/2018. I am in the process of purchasing my very first home and this errounous account is holding my family and I back. I am requesting immediate deletion of this account from my reports so I can move forward in life and provide a home for my kids. Thank you for your time.
12/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 290XX	Web
I have reached out to Receivable Management several times direct and through credit bureaus to dispute accounts listed on credit. Accounts listed are in violation of HIPPA. I have requested verification several times and only information received is verification. When submitting dispute with bureaus dispute letter, ID verification was submitted and it has been times when company never responded and others just verified. I have faxed company directed dispute letter as still no validation was sent and company completed violated per HIPPA. I never signed or gave authorization. Please have accounts removed from credit reporting per violation of HIPPA. ) {$420.00} and {$260.00} are the two amounts reflecting on my credit in ERROR!
08/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WI 540XX	Web
Hello, I've been getting harassed by XXXX XXXX for over a year now and didn't answer their calls or blocked them because they're a scam company. Just recently a week ago ( late XXXX ) I receive a voicemail from Receivable Management Services LLC about a debt I owe to XXXX XXXX from XX/XX/2020 but the thing is I never ordered anything this year so I don't believe I need to pay this debt. I would like them to stop harassing me and leave me alone because I didn't do anything wrong. The amount I owe is {$260.00} from XX/XX/2020 ( NEVER spoke or ordered anything ). I tried calling but no one answered and their mailbox is full. Can you please tell them to stop or help me get this resolved so I can live in peace? Thanks.
04/24/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20772	Web	Servicemember
Receivables Management has placed a collection on my report in the amount of {$440.00} for a medical debt which is not valid but also violates my HIPPA laws as I have never signed a contract with them or given them access to my medical records. I do not have any knowledge of this alleged debt nor have I ever received services from Receivables Management. I have disputed the validity of this debt as well as questioned if they are authorized to collect this alleged debt. This alleged debt that has never been validated has caused irreparable harm to my credit and credit score. I will be following up with more letters to the credit bureaus and to the company after seeking legal representation for violating HIPPA laws.
09/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	XXXXX	Web
Apparently a Debt Collection company called Receivable Management showed up on my credit report in 2019. I have since been sending the company letter to delete this collections from my credit reports because I have no knowledge of this account and the account is not mine. The collections amount that is stated on my credit report is in the amount of {$360.00} and it says the original creditor is XXXX XXXX. This can not possibly be my account because I am still with XXXX XXXX. and have been for a while. I have tried to rectify the issue with the collection agency with a letter sent stating the issue and asking them to remove this collections account with the credit bureaus but they have yet to rectify this issue.
04/08/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85226	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
07/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77018	Web
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.
04/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11550	Web
AS OF XX/XX/XXXX I HAVE NOTICED FRAUD ACCOUNT ON MY CREDIT REPORTING Account- RECEIVABLE MANAGEMENT Account number-XXXX Date opened-XXXX XXXX XXXX Account type-Collection Status-Collection account. {$1100.00} past due as of XXXX XXXX. Status updatedXXXX XXXXXXXX Contact info-Name-RECEIVABLE MANAGEMENT Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Phone number- XXXX XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUNDS FOR REMOVAL AND DELETION OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
11/10/2022	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77080	Web
I received a letter stating RMS was collecting a debt for XXXX XXXX XXXX XXXX. It states I owe {$290.00}. I called XXXX and gave them the Acct No and the Reference No in the letter. XXXX supply chain says neither of these exists and believes the letter and company are fraudulent. I tried to call the number on the RMS letter XXXX XXXX XXXX XXXX, but all it does is put me on hold with music playing and after 10 minutes says they are too busy and disconnects. On top of this, they also called my cell phone and tried to get me to pay over the phone. The company says it is RMS : The Receivable Management Services LLC. Acct No : XXXX Reference No : XXXX RMS says their address is XXXX XXXX XXXX XXXX, MI XXXX
11/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 291XX	Web
I reached out to Receivables Management requesting why they are reporting on my credit report, details of debt, and deletion several times. This company surprisingly showed up on my credit report as a Collections Account yet NEVER mailed or emailed me a bill. This is a direct violation of the NO SURPRISE Act and I am demanding an IMMEDIATE deletion. Not only is this a violation of the NO SURPRISE Act but also a violation of the Privacy Act 15 U.S. Code 1681 602 ( a ) ( 4 ), I did NOT consent to Receivables Management to report to my account 15 U.S. Code 1681s 604 ( a ) ( 2 ), or access details to any medical records as a violation of HIPPA laws. These charges are fraudulent, my rights have been revoked.
04/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77546	Web
XXXX/XXXX/17 I received a phone call from Receiveable Management Services Corporation ph. # XXXX. They said I owed them {$310.00}. for healthcare premiums. This did n't seem right so I called XXXX and they said I had no unpaid premiums or claims. When I asked where they received my information from they said the XXXX XXXX. I called and they said they do n't give information to debt collectors. They are the center for applications with obamacare. I then called them back and they had my name and address with someone 's social security # affiliated with this fake account. They then hung up and refused to talk to me. They then called me again on XXXX/XXXX/17 and left a message stating a owed a debt.
03/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80111	Web
I have a debt from XXXX XXXX XXXX on my Credit Report that is showing up on all XXXX major Bureaus. The collection agency is Receivable Management. XXXX XXXX XXXX, XXXX PA XXXX. Their phone number is XXXX. The account # it 's listed under is # XXXX. The total is listed at {$330.00} dollars. I have called XXXX several times now, and they have informed me this debt is nowhere in their system, that it is non existent. I called the credit agency and informed them I would be filing a compliant with you guys, they said go ahead and do so. I 'm trying to buy a house and this bogus collection is costing me thousands of dollars. I 'm requesting it be removed from all XXXX major credit bureaus. Thank you.
08/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32832	Web
Collection Agency RECEIVABLE MGMT SVCS LLC Original Creditor Name XXXX XXXX XXXX I cancelled my car insurance with XXXX because I had gotten insured by XXXX. My account was a XXXX balance and provided a screen shot of the balance to XXXX when I cancelled the account, then they came back said the account had a balance which they could not justify How they reach that amount, so I still paid the balance. Paid {$100.00} dollars- It turns out that after they said it was removed from their collections department they still are reporting as XX/XX/2020 to XXXX completely erroneous information on my credit file. This company needs to be stopped, so many complaints and abuse towards the consumer.
02/05/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 190XX	Web
I worked for XXXX as an XXXX XXXX. The company required us to have a credit card for required purchases. When I left the company, there was a delay in them paying off the debt. This card has been paid and has a XXXX balance. Receivable Management services calls on a bi-weekly basis attempting to collect on this debt. I have now communicated to them three times that there is no longer a debt. They continue to call me and use names like deadbeat, and ask where they can direct legal documents ( implied threat ). I have also filed to be on the National do not call list. I have asked them to commutate by mail, I have asked them to put me on their do not call list. The calls continue.
09/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38134	Web
I have always paid all of my bills in full and on time, I monitor my credit report almost daily and have 0 past due accounts with any company. The letter they sent says it's for some company called XXXX XXXX which I can't find any real information about except they deal with debt collections as well. More than likely this is a scam to collect a debt that doesn't exist or somehow got me mixed up with someone else. I receive non stop calls from some scam number which I can't answer on my phone and it's getting almost abusive. Since they never leave voicemail I can't verify this is the same company but the calls started around a month ago which is close to the date of this letter.
05/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60031	Web
I have had the same problem occur for the last two months. Collection agency Receivable Management has repeatedly added an account on my credit report with inc orrect statuses, balances etc. Even after having the account deleted, they add it back with more incorrect data every month causing a large reduction in my credit scores for XXXX and XXXX . Then afterwards it gets removed again only for it to show up again dropping my credit scores without prior notice or with correct data. I have called the credit bureau s and Receivable Management concerning this issue and they are unwilling to fix the problem. This accoun t has been removed and should not be added every month.
05/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89084	Web	Servicemember
Two collection accounts are showing on my report for the same debt. It looks as though one bought the debt from the original creditor and then another company purchased the debt and is showing the same account with a different amount from the original creditor. I do not owe this debt as it is for an insurance company and I paid insurance monthly ahead of time. I want both accounts removed from my report. I have disputed the information with the two collection agencies as well as the credit bureaus but it always comes back as validated and I do not believe this to be the case. I also do not see account numbers nor an address to reach the collection agencies on my report.
06/11/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95008	Web
My company signed up for a work poster from an online business, personnel concepts, in which they had a web deal for {$29.00}. After they collected the money, they called us and said that they had a gold service membership that we needed to join. after repeatedly telling them no, we asked them to send an invoice over as to reasoning why we needed to pay an additional {$270.00}. They are now insisting that we pay that amount, even though we never agreed, or wanted their service. Now they have sent me to collections after I refused to pay them. They are obviously an extortive, scamlike business, and the better business bureau has over 420 complaints on them.
04/08/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NV 89113	Web
I had disputed an amount owed to XXXX long ago and after many calls with their agents trying to resolve it ( with no success ), they decided to pass this to an abusive debt collector. The company ( Receivable Management Services - XXXX XXXX XXXX ) employed abusive calling practices from an array of numbers ( creating confusion ) for a company debt which was converted to myself personally. I have found it impossible to work with them and reach an agreement. I dispute the amount they are trying to collect and they don't cease the calls or letters, now threatening to be reported to the credit agencies despite their not trying to find a fair resolution.
06/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90710	Web
I request the fridge repair service from XXXX on XXXX XXXX, 2019. As the technician came to my house and finished the service, I paid the amount of {$99.00} through the credit card in person. I have the credit card statement shown the {$99.00} had been charged through the card. However, after couple of months, I started to receive the collection statement from XXXX, I mailed them the credit card statement but things did not get resolved, I get the debt collector mail from The Receivable Management Service LLC which requested me to pay the debt. So I called the debt company to explain the issue, and they sent back another collection referral sheet again.
07/07/2017	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 32246	Web
XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX To who it may concern ; i have several collection agencys named THE RECEIVABLE MANAGEMENT & XXXX XXXX XXXX. Please be advised that i am disputing these collections due to the fact that the collections agency ( THE RECEIVABLE MANAGEMENT & XXXX XXXX XXXX ) does not currently have a valid license in FLORIDA to collect on debts. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that THE RECEIVABLE MANAGEMENT & XXXX XXXX XXXX ) are licensed to collect in Florida. Your immediate response will be greatly appreciated.
04/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29212	Web	Older American
In XXXX, 2013 I had XXXX XXXX. At the time I only had Medicare coverage. My portion was to be 20 % if the fee. The day before the XXXX the office manager called and told me I had to pay my portion, {$250.00}, or they wouldn't perform the XXXX. I had the XXXX, Medicare paid 80 %. I never received a billing statement from them. I have filed a dispute with the credit bureaus several times. No satisfactory response. They refuse to remove this from my file. I do not owe this office anything. They were paid by Medicare and me. I want an itemized statement from this office. I am living in Social Security and in a HUD subsidized apartment for senior citizens.
04/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 79938	Web
Around XX/XX/2021 Debt collection agency placed an account in collections from originally creditor XXXX since then I have requested that this debt be validated providing me a contract that this is my debt I keep receiving a billing statement with a balance from receivable management as a debt validation ( this is not a form of validation ) aside from this collection agency keeps updating the balance every few weeks from XXXX XXXX to XXXX $ owed on the account which is illegal please delete this from my credit report as this collection is being reported illegally I have attached screen shots of the credit reporting where balances are being changed. I
09/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 42431	Web
On XXXX XXXX, Receivable MGMT SVCS, added a derogatory mark on my credit report via XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection after requesting by phone being told its not possible. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anyone could send a bill and say its mine. According to the FCRA, Receivable MGMT SVCS, have violated my rights as a consumer and I am requesting legal action to remove this account immediately.
08/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37207	Web
I checked my credit reports, and noticed that Receivable Management Services, LLC was listed as a debt collector. They showed on my reports that I owe {$130.00}. I sent them a certified letter to validate the debt that they received on XX/XX/2021. They sent me a final bill from XXXX XXXX XXXX. I CURRENTLY HAVE XXXX XXXX XXXX insurance, and I called them, and informed me that they do not have any records of me owing them. I sent Receivable Management Services, LLC another certified letter that they received on XX/XX/2021 letting them know that they did not validate this debt. They just sent me yet another copy of a final bill from XXXX XXXX XXXX.
04/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33455	Web
I received a phone call from this company claiming that I owe an insurance company XXXX, I advised them that this is fraud and that I didn't have any accounts with this XXXX XXXX and have been an XXXX customer for over 15 years, with a local agent. I advised the company to no longer contact me or make any marks on my personal credit profile as this was fraud, they didn't not communicate with me to obtain and information about the fraud and still continue to add the incorrect account on my file and tell me that they will not remove it. I will be serving them with legal letter today demanding them to stop all collections on this account.
01/30/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33907	Web
1. Receivables Management ( I have attached the document to the complaint ) - I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Their 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 verifiable proof, you must remove the accounts listed below. I demanded the following account be verified or removed immediately. This showing up on XXXX, XXXX, and XXXX. Thank you for assistance on correcting this matter for me. XXXX XXXX XXXX
01/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32301	Web
I have had a collection on my credit reports ( XXXX and XXXX ) since approx. XX/XX/XXXX. The debt is from Receivables Management in the amount of {$400.00}. I have disputed this debt several times. The debt was rightfully removed from my XXXX credit report as of XX/XX/XXXX. Unfortunately, the debt still remains on the other two credit bureaus. Each time I dispute, it comes back verified but I haven't been provided with any proof that I owe this debt. It simply says verified. I've never been provided with a signed contract with my signature for this debt. A bill or statement does NOT verify a debt is owed. It needs to be removed.
02/02/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43220	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
10/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33065	Web
Called the company XXXX XXXX XXXX XXXX ) and stated my name, and explained that I have not ever, nor will I ever now, had an account with them. The car, and the social security number both belonged to my father, of the SAME NAME. Explained to them the age difference, my birth date and my social security number. Denied by the debt collector, the company at fault, and experian for a dispute. It is not corrupting my credit and FICO score. And it needs to be remedied immediately. If you look at my date of birth, and my social security, a middle school student could understand that the debt incurred does not belong to me.
11/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60637	Web
On XX/XX/2022, RECEIVABLE MGMT SVCS LLC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA RECEIVABLE MGMT SVCS LLC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
05/03/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MI 498XX	Web
Debt is not accurate and neither XXXX or RMS can verify the correct detailed information on the amount they are asking for. Invalid debt. AND after requesting further information bc of in accurate documentation they sent a letter 10 days later still claiming I owe their amount of debt. I was under the impression that if i dispute this debt they are not to pressure me for 30 days. They will not listen when I say the documents are inaccurate and do not show the amount they are asking. They repeatedly call when I asked them to stop. They said this isnt up for debate and I owe that amount and they are reporting me.
04/15/2022	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 28273	Web
On XXXX XXXX Receivable Management added a derogatory mark on my XXXX credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verity this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, Receivable Management has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
12/11/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 335XX	Web
XXXX XXXX continues to call our law firm asking about one of our clients. We do not talk to strangers about whether a person is a client at our firm or not. She tells us we are being recorded even though we say we do not consent to being recorded and as Florida is a state that requires consent they are breaking the law by doing this. We have asked them not to call but they continue to do so. They are very rude. I called the number back and asked them to stop calling and was met with rudeness there also, when I told them I would file a complaint they laughed. Receivable Management Services XXXX XXXX XXXX
03/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CT 06053	Web
Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.It has been more than 7 months and I have never been given any information of the results of my request. I dont recall informations and I have never given permissiion to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.
03/08/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 441XX	Web
I have reached out via mail to Receivable Management Services on two separate occasions asking them to provide proper validation of this debt. They have responded with the same improper validation to both letters. I am aware that in order to continue to report the debt ( as they are currently doing ), they must be able to verify that it indeed belongs to me. They have not. The documents attached are in the following order 1. The first request for debt validation sent by me 2. The second request for debt validation also sent by me 3. RMS 's response to both the first and second letter
12/01/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 78216	Web
The XXXX travel company charged me over {$700.00} dollars. I called XXXX and they told me it 's for a travel tickets. I did not buy any ticket from XXXX and i dont know who is the person in the collector named and mention in the letter. And in addition I had already bought XXXX tickets for 5 days in NY from XXXX 2 weeks before this incident, not the XXXX. I called and claimed Unauthorized Transaction. XXXX investigate in 2-3 week and refund me the amounts they took from me. Today XXXX XXXX i received letter from their collector and try to collect {$250.00} which the debt is n't mine.
01/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89081	Web
I ordered a product with free shipping. The shipper XXXX XXXX tried to collect an additional XXXX from myself after. In XXXX I got a collection letter from XXXX XXXX XXXX and filed the exact complaint asking for proof I an responsible for shipment. They only send me a document I received the shipment. Now I am in receipt of another collection letter only from Receivable Management Services. The letter I got from them states there was 3 pages but I only got 2. I am asking for validation on the originating documents that I agreed to pay. XXXX XXXX, nor XXXX provided them to me.
08/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19138	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. 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 contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
09/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33324	Web
XXXX insurance sent me two XXXX devices that I never used or wanted. I was then billed for the devices, and later sent to collections for them. I have paid for the devices, and returned the devices which I never even wanted in the first place and I still have negative information on my credit report because of it. At this point XXXX owes me money as I have returned the devices but also paid for them, but worst of all my credit score is damaged. on XX/XX/2018 I paid {$110.00} confirmation # XXXX. Also on XX/XX/XXXX I received an email saying Thanks for returning the XXXX devices.
01/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95608	Web
XXXX Called 2 family members asking for me and wanting information to contact me. I called and spoke to a woman named XXXX. She immediately asked my name, social security number and address. Did not state the reason why and could not tell me the amount or name of debtor. Wanted my credit card and bank information to pay a debt that isnt mine. She said she would send me a letter via email of the breakdown of the debt and nothing ever arrived. This company is calling my family and myself and it is harrassment for a debt I do not owe or the company fails to prove it is mine.
04/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97062	Web
Receivable Management Services, LLC Has in credit report on a bill that should NOT be there. They cant track down the account number or information. I have disputed with progressive about this. Had account canceled a month before. Got new coverage and coverage had told me that theres a lapse in policy due to no coverage my rate was higher now. Debt should not have been billed to me if there is a lapse in coverage month before had been paid off. ( because account was closed! ) I have emailed RMS about this and they cant find an account with this information and cant help.
02/05/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 902XX	Web
I sent Receivables Management Corporation by usps CERTIFED mail ( attached ) on XXXX and it was delivered in XXXX t them. In my letter I specificly stated that I did not wish to be contacted by phone and to communicate in writing only. Yesterday, XXXX I got a call at XXXX from a Pre-Recorded Voice maessage from Recievables Management. I don't understand why they would still call me after I asked them not to. I have spent countless hours now trying to correct their mistakes and I don't know why it's taking this long and it's causing me a lot of stress and anxiety.
10/06/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	TX 773XX	Web
I got this notification it says Receivable Management Services LLC is the collector for XXXX XXXX. Now the only XXXX XXXX I know is a garbage company that picks up in my area. I have never called them to get there services. I have XXXX XXXX as a garbage company since last year because my company did not pickup the leaves since I had 14 bags of leaves. So I found a company that did. I purchased my own garbage can. The previous company had not come to get the garbage can. So I am assuming maybe this company took over but I never talked to anyone at that company.
01/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	LA 70001	Web
I cut service off with a company ( XXXX XXXX ) XX/XX/XXXX. That same company sent a delivery to my office XX/XX/XXXX without approval. They claim my admin. assistant authorized the purchase. Per our company policy, assistants do n't have purchasing power with any vendors. They sent subsequent billing statements, and I repeatedly informed them I had no use for their product. Ultimately they sent me to a collection agency. We tried to reach an agreeable resolution, but that never happened. They would not comply and then turned my account over to collections.
11/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77532	Web
I saw a collection from Receivable Management on my credit report. It doesn't state who the original creditor is. I don't have any outstanding debt. This agency never contacted me or anything. They just put this on my credit. I disputed it with them and requested for them to remove it from my credit. They never responded. I also requested in writing for them to validate that I owe this account and the original creditor. They just ignore me, but they continue to report it on my credit Receivable Management is not licensed or bonded to collect in my state
08/24/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	VA 22901	Web
XXXX Receivables Management Service called XXXX XXXX on XXXX/XXXX/14 at XXXX est. looking for the employee who he alleged owed a medical debt. As he started reading off his scripted I stopped him and told him not to call this place of business again. XXXX called again at XXXX XXXX trying to talk above me when I told him he was now in violation of FDCPA 805 ( 3 ) Communication in connection with deb collector and FDCPA 806 ( 5 ) Harassment. I would like to request that the maximum legal proceedings against Receivables Management Service be handed down.
10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 32818	Web
On XX/XX/XXXX I noticed an collection on my consumer account with inaccurate info from a 3rd party debt collector. I sent them a letter on XX/XX/XXXX to the mailing address they have listed on consumer reporting agencies for dispute. I sent the letter certified mail and the mail got forwarded back to me because they changed address without updating their info elsewhere not giving me no chance to dispute these inaccuracies or investigate and validate the debt for me under 15 usc 1692G. I sent the letter certified mail with USPS tracking number XXXX
07/09/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DE 198XX	Web
This collection is illegally reporting falsely the receivable management services LLC is reporting that I am past due. This is illegal and needs to be deleted permanently. How can this account be past due on a collection I never had an agreement with this company to be past due I never signed an agreement with them ever. They are just trying to make money off of me as a consumer. Please permanently delete this account off all reports immediately. This past due statement from this company is illegal and they are violating my rights as a consumer.
12/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34668	Web	Servicemember
I attempted to hire the company to service my residential garbage disposal needs. However, I was disappointed with their services & cancelled immediately. My garbage was picked up one time on Thursday, XXXX XXXX. The next week, my garbage was skipped. The company had told me that they had two pickups per week. However, my garbage sat all week at the end of my driveway. After my garbage sat untouched, I phoned the company. I voiced my disappointment with their service & promptly cancelled. Then, I hired another local garbage service company.
07/02/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77045	Web
I disputed this account with the 3 credit bureaus on XX/XX/XXXX and XX/XX/XXXX. The credit bureaus claimed the debt was verified by Receivable Management. I sent a request for validation to Receivable Management ( account number XXXX ) on XX/XX/XXXX ( usps tracking XXXX XXXX XXXX XXXX XXXX ) asking to provide me with a signed contract with my signature amongst other things to show how the amount they are collecting is calculated. I never received anything. This is a violation of the FDCPA for not providing the documents I requested.
09/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33619	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
09/07/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web
The Receivable Management Services LLC ( RMS ) is a third party debt collector who was contacted by XXXX XXXX XXXX XXXX to collect a debt. Which is a violation of 15 USC 1692c.I I started a vehicle insurance policy on XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX I got a collection notice from RMS on XX/XX/2020 threatening to report negatively on my credit report, which is a violation of 15 USC 1692d ( 2 ). I did not know I could dispute the debt. I paid this debt off on XX/XX/2020. This is on my credit report as a collection/charge-off.
10/26/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TX 78666	Web	Servicemember
Receivable Management Services has been repeatedly calling from different numbers from across the country, sometimes several times a day. This has been going on for months. I 'm currently looking for a job and need to answer phone calls in case they are businesses interesting in employing me. I 'm spending far too much time talking to these people about collecting an inordinate amount of medical debt on a daily basis. This is greatly impeding my ability to procure work and is negatively impacting my mental and emotional well-being.
08/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 760XX	Web
I received a call from XXXX at XXXXXXXX XXXX from someone who said he was from Receivable Management Services. I hung up on him. I XXXX the number and read they are an agency trying to collect on old debt. All my debt was recently dischargeded in bankruptcy and they should not be calling me. I have not received any debt validation from this company as required by law. I believe they trying to collect a debt they can not legally collect or this could be a scam. I don't know. I have not received a debt validation letter from them.
10/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85251	Web
As you can see from these emails, they are almost 1 year old. After this mix up from the sender, I received a large bill for storage fees. This bill went to XXXX as it was solely their responsibility. They admitted and accepted the bill. Now, after 1 year, out of nowhere I have been sent to collection for {$790.00} from XX/XX/2018. XXXX. Account XXXX Ref XXXX I received no notification, no warning, zero explanation. I merely accepted some sample wine as a gift. I not pay for merchandise. I had no business invested in this.
04/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19140	Web
i checked my XXXX and XXXX report to see this account listed from RECEIVABLE MANAGEMENT for XXXX XXXX. I can not recall opening an account with XXXX as I am only XXXX year old. However, in a good faith, i would like to satisfy my debt by settling with {$170.00} to delete and remove the negative trade line from my report and credit as i am young, and trying to establish myself as an adult. I am newly married to an XXXX in the XXXX XXXX XXXX and we are trying to purchase our new home prior to him XXXX to XXXX in six months.
09/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33418	Web
I have received 4 phone calls in the last week regarding a supposed debt my father does not owe, from a company calling themselves RMS. Two were on XX/XX/2022, another the next day ( straight to voice-mail as I had blocked their number ) and another on XX/XX/XXXX from a new number. The first three were by a real individual and the last by an robocaller. The last robocall gave a prompt to talk to a real person, so i endeavored to confront RMS. I asked for their address so I could file a TCPA lawsuit, but they hung up.
10/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 180XX	Web
On XX/XX/19 my friend shipped boxes from my address with XXXX XXXX. to his new address.Since my address was used the bill came to me. I tried to resolve it with XXXX but I was told i couldn't change it since it was billed to me. XXXX tried to resolve it with them but he was also getting priced gouged, so they weren't working with him very much. He shipped XXXX XXXX '' x XXXX '' boxes for {$2300.00}, this was from PA to OR. The collection agency is still send me bills even though XXXX told me he resolved it with XXXX.
03/01/2022	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	IN 46037	Web
I was called by XXXX, a debt collector by a restricted phone number on XX/XX/XXXX XXXX PM EST. She said that her intention for calling was for me to settle a debt owed to XXXX XXXX. It was her second time she called me. I told her that I would like for her and anyone else who identifies themselves as debt collectors who work for Receivable Management Services LLC to call me, but she insisted that she had to call to help me settle the debt. I told her I am not employed and therefore am not able to pay any debt owed.
01/20/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 075XX	Web
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. Assignment clause Notarized letter of debt purchase Signed contract from original creditor Copy of their license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28269	Web
To Whom it may concern i am writing because something about a collection was noticed by me after checking my consumer report recently. i never received any notice in the mail or by email of this account nor any phone calls to my understanding. this account just appeared and thats how i found out about it so i am asking for assistance in this matter i have also mailed letters to XXXX, XXXX, and XXXX because people are putting inquiries and accounts on my profile without permission. Please Assist me in this matter
08/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29150	Web
I have disputed this debt several times. They are in violation of my privacy rights {$1000.00} violation Pursuant to 15usc1681b no permissible purpose, falsely placing on consumer report is grounds for imprisonment and or {$1000.00} per violation 15usc1681a ( i ) ( 2 ) medical hippa violation, It should only be discussed between consumer and facility {$1000.00} violation. I have never ever owed any debts to a hospital. They can't prove the visit when I requested it, so how are they saying this is my debt?? >
11/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21237	Web
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. RECEIVABLE MANAGEMENT is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 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.
08/17/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19131	Web
I am XXXX XXXX submitting this complaint against Receivable Management and there is no third party involved. Receivable Management did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.
07/16/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75098	Web
I was contacted by The Receivable Management Services LLC ( aka RMS ) sent me a letter stating that I owed money to my former university. I have been living in the USA since XXXX, and they're saying I owe this debt from XXXX. How is it possible for me to attend a school in XXXX ( that doesn't offer online coursework ) when I'm here? I contacted them to ask for proof of the debt, and they had no issue sending me another letter saying I owe them money but never called me back or validated the debt.
08/19/2021	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 Investigation took more than 30 days	FL 32065	Web
These companies failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''. Please remove it from my credit report. They have had 90 days, which I have given you more than enough time and 3 dispute letters were sent to resolve this and you have failed. Now it is time to DELETE the accounts per the FCRA
05/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WV 25801	Web
I was made aware, that once again, XXXX XXXX company has placed a bill in my name in collections for {$300.00}. This time it is with the Receivable Management Company. This is not my first experience with XXXX. In the past, they placed bills with agencies, I'd fight and dispute, win, then after awhile they just place it with someone else. It's already been determined that I do not owe them, as I won previous complaints because they keep trying to bill for services that hadn't yet been rendered.
03/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. Receivable Management Services Corporation
04/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98116	Web
I started receiving invoices from XXXX in XXXX at random, since Ive never created an account with them and shipments were being sent to places Ive never been to. Clearly, someone used my name and address to create an account. At first, XXXX would remove charges and say that the account would be closed, but that never occurred. I received a letter in the mail from The Receivable Management Services, a debt collector, asking for {$330.00} from 5 transactions on the account on XX/XX/25
01/11/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 314XX	Web
The collection agency The Receivable Management appears on credit report. XXXX, XXXX and XXXX. I have tried contacting the number listed on the report as provided by XXXX but have never been able to get through to an agent. The balance of {$250.00} is not owed. The original creditor, XXXX, was provided payment XX/XX/. This creditor should not be listed on my reports as owing a balance, as I have had no communication with them and no information received in regards to amount owed
05/12/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 75149	Web
I was with XXXX XXXX XXXX and decided to switch to a different company. I emailed XXXX letting them know that I switched insurances and submitted my new policy to the. XXXX cancelled my insurance in 2019 and said I had a balance. I them emailed them again asking that they send me a new invoice minus the days I switched to a new company. They never did. Fast forward a year I now have negative report from XXXX on my credit report and not once did they update or send a new invoice.
10/19/2022	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	MD 20707	Web
I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
02/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 497XX	Web
On XX/XX/2018, I received a letter from The XXXX XXXX XXXX, XXXX stating that they had previously sent me a notification of a debt that was owed by me in the amount of {$180.00}. I never received the first notice regarding this debt, and therefore was not afforded to opportunity to validate the debt. The notice also states that they first mailed me a notification of this debt on XX/XX/2018. That day was a Sunday, so they could not have mailed anything to me on that day.
11/01/2019	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	VA 223XX	Web	Servicemember
Receivable Management System are sharing my medical records information with unknown individuals over the telephone. They are not in compliance with requirements under 45 CFR SECTION 685.212 ( 3 ) ( 1 ) ( iii ) ( vi ) and are violating hipaa and share personal medical records with unknown individuals over the telephone. They haven't verified the debt or service or treatment regarding the healthcare under hipaa. And is threatening to harm me by any means necessary.
04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL XXXXX	Web	Older American
Receivable Management Services is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( Receivable Management Services ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/11/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80234	Web
Frequent repeated calls at odd hours using an auto dialer coming from many different locations... this is a debt from XXXX XXXX that i don't recognize and is most likely due to fraud... I've included Screen Shots of the latest 2 calls ... as you can see these calls come almost exclusively at odd hours intended to harass... XXXX lists the Company as : Company : RECEIVABLE MANAGEMENT SE Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
10/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 495XX	Web
The issue is with XXXX. Ive made many calls and disputes to remove a collection account in the name of Receivable Management LLC. I have paid this account in full. Both me and the creditor from Receivable Management have made an agreement to request for XXXX that the account be deleted, yet after these attempts the account remains on my report. I have supporting documentation of the agreement via email. Im trying to clean my credit up and this is hindering it.
01/29/2017	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	NM 87120	Web
Medical procedure was paid for by XXXX/XXXX back in XX/XX/XXXX. In XX/XX/XXXX, 5 years post-procedure, we rec 'd letter from debt collector Receivable Management Services Corp., asking us to reimburse XXXX/XXXX for the cost of the procedure ( XXXX ). We wrote them a letter to cease and desist, due to the time elapsed since the procedure, and that it was paid by XXXX/XXXX originally. Seems odd that this is now happening 5 years after XXXX/XXXX paid for it.
06/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92057	Web	Servicemember
RECEIVABLE MANAGEMENT Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. View your Report \| View your credit score I do not have an account nor have I used their services. The debit collector has claimed that I owe them. It has reflected negative on my credit report. Please help.
04/20/2023	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 777XX	Web
On XX/XX/2023 I asked this company to provide proof and validation of this debt and nothing was provided in the mail. Also on XX/XX/2023 since I had not heard anything from this company I sent out a second round of validation letters and still received no response. I do not recognize this account and I have mo previous knowledge of it. I demand proof and validation of this debt and since it was not provided the account needs to be deleted immediately.
10/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92127	Web
I received a letter from The Receivable Management Services LLC ( debt collection agency ) dated XX/XX/XXXX that I owe a debt of {$34000.00} to my former employer. I dispute the validity of this debt. It has been over two years since I left my previous employer and the letter indicates that debt is from XX/XX/XXXX. The letter did not include any signed documentation or a contract signed by me that I owe this debt. I dispute the validity of this debt.
02/04/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 151XX	Web
We received a letter in the mail stating that we owe {$290.00} on our XXXX XXXX bill. The letter was addressed to " current resident '' and had what seemed to be an intentionally vague invoice page that included 11 transactions for service date XX/XX/2014. No other information provided. We confirmed with XXXX XXXX that our account is up to date with no existing balance. This process seems like a scam that preys on people 's fear of collection agencies.
10/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 190XX	Web
3 years prior I contracted with XXXX for a 12 month agreement at XXXX per for a voip line, at month 13 they tripled cost, I completed contract so I cancelled service, they continued to bill my account of which i had removed from their website, so they collected funds not owed, without my consent. I received a letter on XX/XX/20 from RMS, receivables Management Services a 3rd party collection company, attempting to collect a debt that is erroneously.
04/13/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 49548	Web
Receivable Management Services placed a debt of {$220.00} on my credit profiles with XXXX, XXXX and XXXX. I sent a certified letter on XX/XX/2023 to Receivable Management Services asking for a copy of the contract I signed with them requesting services. Receivable Management Services has failed to send me any type of signed contract between myself and their company. But, they are still reporting to XXXX, XXXX and XXXX that I owe them {$220.00}.
02/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WA 98109	Web	Servicemember
I never received any notifications from collection attempts, this morning I got alerts from credit bureaus that a new collection had been added and that's how I found out about this account... I have not received any notification. The amount is {$370.00} which had I known about I would have paid in full to the creditor. I called the creditor and I am given account number : XXXX for the collections agency Receivable Management Services LLC RMS
03/27/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	SC 29210	Web
There are over 40 collection account through XXXX, XXXX, and XXXX on my credit reports. I do not acknowledged I do not own any of these accounts. This company is not friendly very rude to customers and just very unprofessional. They refuse to verify validate the amounts old and its has been 6 months and they still have not responded. Please advise. The name of the company is Recievables Management Corporation XXXX XXXX XXXX, XXXX, SC XXXX.
05/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ XXXXX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 15USC 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.
06/20/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19140	Web
On XX/XX/2020 I sent a certified letter asking to validate the debt that is being reported on my XXXX and XXXX credit report. The collection agency name Receivable and their address is XXXX XXXX XXXX XXXX, Pa XXXX. I havent received and response via postal mail. They removed the account off of XXXX but is still reporting on XXXX and still havent heard anything from them validating the debt that I have no knowledge of the debt.
07/13/2021	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NJ 078XX	Web
I was never notified that my debt was going to collections. I was never sent a letter, a phone call, or a email informing my debt was going to collections. I was on a payment plan for this debt and stopped receiving notifications. The only reason I was notified of this {$920.00} dollar debt was I received a notification on my credit report. When i contacted the debt collector they did not have my phone number or address on file.
04/22/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75013	Web
In XX/XX/2018 The Receivables Management Services sent my final insurance bill to collections without an opportunity to pay. When I made the payment, I was told the account would be deleted from my credit. I also spoke with a supervisor on XXXX and was told the collection would be removed from my credit as a courtesy based on everything going on, along with this derogatory mark on my credit preventing me from getting a home.
05/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80111	Web
Not a valid collection - balance paid to ORIGINAL CREDITOR. At the time of the payment to the ORIGINAL CREDITOR the account with receivable management was CLOSED. They had nothing to do with the payment I made directly to the ORIGINAL CREDITOR XXXX . Now they have opened a false account on my credit report stating I paid this debt in full. I paid this debt to the ORIGINAL CREDITOR XXXX , not receivable management.
01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84123	Web
Receivables Management is reporting an account on my credit file for a debt that has been paid and settled. I recently checked my Credit and noticed this debt was showing. This debt was paid off years ago and they assured me the account would be removed from credit. However 6 years later it's still there. I need them to remove this account immediately. This debt is no longer owed and it needs to be removed from my credit.
11/25/2021	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	CA 90630	Web
I am still disputing the collection with XXXX for a cancelled policy that was phoned in and cancelled with XXXX XXXX. Their collector RMS is informing that the amount due is XXXX however I received an email from XXXX informing of a diffferent amount XXXX. I am extremely frustrated with this as I have forwarded them a copy of the email with NO RESULTS. I will pay the XXXX but would like the matter to be corrected first.
04/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29316	Web	Older American, Servicemember
There was no debt in the first place since I paid the repairman on site and received a paid receipt via email, which I have retained in XX/XX/2022. The requested amount is $ XXXX.Now I am receiving constant mail from a collection company that I owe them the money. I talked with a person from the collection company on XX/XX/2022 and sent him a copy via email of the receipt, however they keep sending collection notices.
05/19/2023	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 750XX	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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
04/26/2023	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 Problem with personal statement of dispute	TX 777XX	Web
On XX/XX/23 the company responded with a false validation by sending a final bill after it was sold. I am asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.
05/04/2022	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	AR 72015	Web
On XX/XX/XXXX I submitted a dispute with XXXX about an account with XXXX receivables llc. The account has been incorrectly reported and the dispute said estimated completion date was XX/XX/XXXX. However this dispute is still open and has caused the bureau to not allow me to dispute any other wrong info going forward. they've also dropped my score by XXXX points after contacting them about this unsolved dispute!
04/27/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 43220	Web
My XXXX account indicated that there is a collection record reported to XXXX credit bureau by : THE RECEIVABLE MGMT XXXX XXXX XXXX, XXXX XXXX XXXXPlaced for collection : XX/XX/2015XXXX : $ 84Original Creditor : XXXX XXXX XXXX have been living in XXXX XXXX for the past three years, I do n't live in XXXX!!! my " trash service '' is included in my current rent where i currently reside. This is simply not mine!!!
11/07/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44305	Web	Older American
Received a letter from The Receivable Management Services Corporation ( " RMS '' ) for {$25.00} owed to XXXX XXXX XXXX ( my guess is for an electric bill ). However, all my utility bills are paid in full and I do not owe any balances. My electric bill has never been for only {$25.00}, so I doubt this is a legitimate bill. The letter is very vague and does not give any information about this " alleged bill. ''
01/24/2024	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 44118	Web
They have called and left a voicemail to a person I share a home with. on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. I submitted a request on their website to not contact a specific phone number. They proceeded to call that number. I called them today and told them to not contact that number anymore. They did not confirm they will stop, and proceeded to attempt to get more information out of me.
06/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 123XX	Web
On XX/XX/2021 I paid the full amount of XXXX to the originally creditor. The balance was updated and Receivable Management Services LLC stated they would remove the collection. I have written emails, did disputes and nothing has changed. I also spoke to 3 different representatives, all three were rude and hung up and just updated saying paid in full. I called on XX/XX/2021, XX/XX/2021 and also XX/XX/2021.
12/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 380XX	Web
I called Receivable Management Services on XX/XX/XXXX and was given a settlement amount to clear a XXXX XXXX balance of {$73.00}. I accepted the settlement amount and paid by phone. I requested a settled in full letter and for my credit bureaus to be notified immediately. As of this morning, XXXX was notified that I only made a payment of {$73.00} and the account status is listed as UNPAID with XXXX due.
07/21/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NC XXXXX	Web
I was given the amount that was to be paid when my XXXX had the procedure done. I made sure to check/ask ahead of time what the payment would be so that I would know if I could afford it or not. Weeks after the procedure, they decided to send me another bill that was not quoted. I do not owe this. This is the second time this medical practice has tried to charge me for more than they initially quoted.
10/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30038	Web
I received notification of this agency place this collection on my credit reports today. Ive never gone into a contract with this company nor have they proved the validity of this debt. I have no recollection nor have I received notification. These rouge collection agencies are taking advantage of Covid, I predatorily adding collections to hard-working persons account without doing their due diligence
07/09/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 785XX	Web
R.M.S. keeps trying to collect a debt from XXXX an insurance company my mother with alzaihmers never had. I ask their professional license number to verify company was legitimate as the CFPB fraud prevention article suggested and R.M.S. company refused to give their professional license number. I post a complaint as the CFPB article suggest. Please check into this hope my mother is not been scammed.
11/10/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 334XX	Web
I have updated the account number that your company 's record on my credit report. You mentioned last time that you could not find my file because it was showing a different account number but now that I have updated I hope there will be no more reason for you to not send me the letter of validation. please attach your response to your complaint just to be sure that I would receive it. Thank you!
07/13/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	IL 60491	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 119XX	Web
the accounts that appear on my credit report do not belong to me, they were not authorized, please check. 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft RECMGMT SRVC Account Number : XXXX This is not mine. 3. Identity Theft DPT ED/XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29154	Web
Receivable Managment Corp. Acct # XXXX In regard to this unauthorized inquiry from this company that had been placed on my credit report without my permission. Fair Credit Reporting Act ( FCRA, Title 15 U.S.C. 1681 et. seq. ) prohibits anyone to view a consumer report absent a 'permissible purpose ' ( see specifically 1681s-3 ( b ) ). I don't recall applying for credit with this company.
02/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19082	Web
I have disputed this debt multiple times and RECEIVABLE MANAGEMENT SERVICES LLC has never responded in any way. They have however verified the accounts to the credit bureaus. This is a direct violation of the FDCPA! Reporting an unverified and disputed debt is a violation of the FCRA. I shouldn't have to work this hard to get a correction made to a very inaccurate account! PLEASE HELP ME!
10/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
Receivable Management Services ( RMS ) is trying to collect a debt that is not valid. We do not owe XXXX XXXX, in fact we are owed a refund payment of around {$80.00}. A certified letter was mailed to both XXXX XXXX and Receivable Management Services ( RMS ) on XX/XX/XXXX. Stating this exact information. RMS signed the USPS return receipt on XX/XX/XXXX, verifying receipt of our letter.
07/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76028	Web
The Receivable Management reported to all three bureaus back in XX/XX/XXXX, I reached to them and sent a debt validation letter and no response. They started calling again and told them the debt was paid and to remove their reporting. Beginning XX/XX/XXXX they start calling again, I sent another debt validation letter and waiting for a response. I have attached the letter to this email.
03/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07304	Web
In the beginning of XX/XX/XXXX i paid the amount that i was offered to pay wich is {$300.00}, but my credit report me owe tht amount, i called the debt collector ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX ) they told me that i have to contact XXXX. With that being said can you please remove the debt from my report it's affecting significantly my report. Kind regards XXXX XXXX XXXX
11/02/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92307	Web
1. The initial complaint that I submitted is attached and named XXXX XXXX Complaint Detail. 2. As you can see in Receivable Management 's response, it agreed " to remove any credit reporting placed by XXXX XXXX XXXX XXXX XXXX. '' 3. Receivable Management did in fact delete the {$250.00} entry on my XXXX credit report. However, the same entry still appears on my XXXX credit report.
06/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48186	Web
i have disputed this debt numerous times. I also made them aware that it was paid and I currently have insurance with the company that they are trying to collect on. I sent a letter for the company to verify and to send me proof that I indeed owe them. Receivable Management continues to send a bill in which is not verification. if not removed I am seeking compensation of {$1000.00}.
04/26/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77047	Web
On XX/XX/19 I disputed this account with XXXX. They said the account was validated by Receivable Management Services. I sent a request for validation on XX/XX/19 and I never received any documents from them. Secondly, there is another collection company collecting on the same debt. How is that possible? In fact, it is illegal for two collection agencies to collect on the same debt.
12/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NJ 07106	Web	Older American
This debt was written off in bankruptcy and is more then 15 year ago. XXXX XXXX was the original owner of the debt and it's now with a Collection company. I spoke with XXXX XXXX & they no longer have it on their collection record. I've been getting threatening collection calls from this company. I gave them my bankruptcy information and they refuse to take it off my credit report.
12/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MD 20904	Web
I have small business and I was have XXXX Insurance XXXX and XXXX Insurance send my company to collector for {$610.00} only for change the company they do n't happy we us went I tell I do n't going continue with your service and after that they send me the bill for {$610.00} And I do not owe they anything. collector company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXXClaim No XXXX
01/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91367	Web
XXXX XXXX and their collection agency, RMS, have sent multiple demands for repayment of monies properly paid to us for consumer healthcare services. They have ignored our multiple written demands that they validate this debt and explain why they think payment is owed. Please see the attached document, which is my most recent letter as well as previous correspondence. Thank you.
12/27/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ XXXXX	Web
I received a letter from XXXX ( Receivable Management XXXX ) stating that I owe {$140.00} to XXXX. I 've never had insurance through this company and have never NOT paid a bill on time. Here is the info from the letter : XXXX Account No:XXXX Member ID XXXX to pay by phone : XXXX to pay by check : XXXX to pay online : XXXX Will you straighten this out for me? Thanks, XXXX XXXX
09/24/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NC 279XX	Web	Servicemember
XXXX-XXXX previous number here is the recording of the supervisor admitting to violations set forth to protect the consumer. They lied about several attempts from me before me trying to fix this and I stated under the FDCPA they are in violation as well as I have disputed all of there stuff with the credit bureaus and sent the recording to them, to show they are in violation.
05/15/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32809	Web
I sent a debt validation letter to Receivable Management Services on XX/XX/2018 asking this collection agency to validate the debt of {$210.00} presented on my credit report from the original creditor XXXX. The collection agency responded with a statement/invoice of the amount owed, my personal information such as policy number number, home address and policy effective dates.
12/07/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	FL 33594	Web
Contacted XXXX XXXX company around XXXX2017 getting more information on the debt they say I owe. According to their records the account is no longer in their system. I then received a letter from The Receivable Management on XXXX XXXX XXXX XXXX, PA XXXX after I requested the debt to be verify. I show they are requesting payment but are not licensed in the state of Florida.
06/07/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 75149	Web
Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. With that in mind, I would like to propose to settle this debt for {$62.00}.
06/10/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 075XX	Web
I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act. 1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.
06/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85392	Web
I received a collection notice from RMS stating I owe $XXXX from XXXX however when I submitted a complaint to the XXXX and I was advised in writting I should disregard the bill that was issued, and in fact I was to receive a refund. Instead of the refund, I receieved a collection notice. I am attaching both the collection notice and the letter XXXX sent to the XXXX.
03/17/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 33432	Web
XXXX XXXX added a false collection amount to my credit saying I owe them {$820.00} when they indeed owed me a refund of {$270.00}. I called and spoke to both progressive and receivable management and they admired the error on progressive part. The agent said she will Put a check in the mail for my refund as I was able to prove I had another insurance at that time.
02/07/2020	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 19050	Web
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
09/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11691	Web
Received a debt to collect letter for cellular services from a provider that I do not have a contract nor receive services from for the amount of {$980.00}. Submitted a previous claim ( claim # XXXX ) that contains inaccurate company 's response. Proof of signature was not received for services and notification of debt was not received back in XX/XX/XXXX1.
03/22/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 236XX	Web
RECEIVABLES MANAGEMENT Damaged me credit reports and added an account doesn't belong to me on XX/XX/XXXX of 2017 for {$770.00}. I tried to get hold of them and they threat me they will damage my score more if I don't pay them something I'm not aware of it. Please help me to remove this account and make them stop threatening to damage my credit. Thanks
06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 107XX	Web
This account dont belong to me Please remove this account of all 3 credit report agencies, look here the accounts to delete 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft RMS Date of inquiry : XX/XX/2020 This is not mine.
04/18/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75771	Web
Received this letter at our office. I have never done business with the mentioned company, owner, or associates and believe this may be a scam. The demand letter never references services rendered, legal agreements of service, or anything other than send them money. The company supposedly I owe money to, Ive never seen, met, interacted with.
09/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07666	Web
On XX/XX/2018 I pulled a hard copy of my credit report and noticed a negative collection account. That was my first time every seeing anything from that company. On XX/XX/2018 I sent out a certified letter ( that the company signed and returned ) asking them to validate the debt. Its been over 30 days and I have yet to receive any response.
11/02/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IN 47025	Web	Servicemember
I receive a minimum 2 calls per day from a phone number I don't recognize. These phone calls always come when I'm busy with work or kids events. I have not received any written communication or bill from the company. With the amount of fraudulent calls that are typically scams, I no longer answer the phone from numbers I do not recognize.
07/10/2021	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	NY 12020	Web
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 Collection agency doesnt have release to collect on debt NOR is actual owner of these debts. deceptive and unfair practices
10/23/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	PA 19348	Web
I have an account I do not recognize on my credit report. I repeatedly asked for it to be removed from my credit report and asked for debt to be validated which they couldnt provide. under 15 US CODE 1602 it is unauthorized use of my credit and illegal. Please remove from my report as per 15 USC 1681 and refrain from any other contact
07/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91402	Web
This happen in XXXX, 2018 not sure what day but I got charged {$260.00} on my debit card, dont know who did it but I called XXXX they couldnt help me so I called my bank and tried cancelled the payment and I replaced my debit card for security reasons, chase refunded me the money but now the 3rd party is trying to charge me ...
01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29154	Web
Not too long ago, I obtained a copy of my credit report and was shocked to find unauthorized credit inquiry reporting on my credit report. I have reached out to the company to remove the credit file. Under the fair credit reporting act the violation of my rights, which is illegal and causing severe damage to my credit report.
07/19/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11226	Web
I sent a verification letter to the account that appeaed on my account. In the letter was a request for information on the debt when it was owed how much was owed from the original creditor so that we could move forward with the account, this was mailed on XX/XX/XXXX and still have not received a response regarding the debt.
11/26/2019	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 93306	Web
XX/XX/2019 I received a phone call at my work phone from XXXX at RMS ( XXXX ) XXXX-XXXX. I asked him to send a document to my home address being I never received anything from them USPA mail. He told me he can call my work phone anytime he wants to and it is legal to do so. I asked him him to NOT call the work number again.
01/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77375	Web	Servicemember
XX/XX/2020 Receivable Management has applied a debt owed on my Credit Report. I have ask for verification, Validation and not bill. On XX/XX/2020 they have notified me stating they will remove the debt from my Credit Report. The reference # XXXX, Im requesting this go effect immediately, because it is damaging my Credit.
05/20/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75056	Web	Older American, Servicemember
XXXX XXXX has billed me for a course I signed up for. I paid the money. They later sent me a invoice for additional payment for continuing education. I told them I did not want additional education and they sent it to an outside DEBT COLLECTOR. ( RMS The Receivable Management Services Corporation. I think this is a scam!
08/21/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 189XX	Web
Receivables Management reports a new collection amount to XXXX and XXXX every month. Not only has the original amount jumped almost $XXXX, They have changed the amount owed monthly for the past 6 months. I have disputed the debt twice, only to have a letter sent to me with signed paperwork and no amount for the debt.
01/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MO 63367	Web
I received a request for payment of an account that was placed in collections for which I 'd never received a bill. I was never notified that I would be required to repay the tuition reimbursement I received from a former employer, XXXX XXXX, nor was I notified that this 'debt ' was getting sent to a collection agency.
04/30/2023	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	CA 91606	Web
I am sending this comnplaint on my behalf. I looked at my credit record and it contains unauthorized item. They have not responded to the letters since I sent themover 30 days ago and they neglected to get back with me with sufficient validation. Please help me regarding this matter. I'm seeking litigation!!.,
12/04/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IN 47374	Web
Repeatedly called by Receivable Management Services ( of XXXX Ohio ) I have not been informed of any debt but keep getting calls from this company. Everyday since XXXX. The constant calls after I asked them to stop are affecting my job. I have yet to be notified in written form of any debt they claim is owed.
05/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33025	Web
receivables management sv c is reporting false information to all XXXX credit bureaus. they are attempting to collect for services I never had. credit reporting amount of {$590.00} that I do not owe. I have reached out for a debt validation and gave them 30 days to respond but I never heard anything back.
11/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	ID 83605	Web
Received phone call at my personal cell phone number, saying the call was for me, and it was to resolve the debt of a third party and they needed my help getting in touch with the third party. I attempted to contact them to tell them not to contact me again but received no response and blocked the number.
03/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL XXXXX	Web
XX/XX/21 someone named XXXX from some " LLC '' company tried to collect a debt that I do not know. She wanted my name and would not say what she wanted. She was aggressive and rude. I told her I do not have debt and would not give her my name. I told her to never call my house again. Her number was XXXX.
03/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95834	Web
Recievables has been reported on my credit report which I am unaware of who they are.I worked with XXXX XXXX to get this removed in the past and it was removed from XXXX but not XXXX. I did not open this account back in XXXX of 2017 and have no recollection of this account but it is still being reported.
08/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CT XXXXX	Web	Older American
Collection agency R.M.S. claims to represent XXXX. I have no record of any previous notification from XXXX that I owe them anything. I contacted XXXX twice and they confirmed they have no record on my account of me owing them anything or of them ever contacting R.M.S. for any collection against me.
12/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21234	Web
I recently reviewed a copy of my credit report and I realize that I am this company ( Rec MGM Sys ) is violating my rights according to the 15 USC 1692 a.b.c.d. I am tired of being harass about this account. Which is a violation because it is defaming my character. I have attached a copy of my ID.
11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 196XX	Web
I have never authorized any of this misleading information to be placed on my credit report. Also spoke to both Progressive and receivable management and they both are declaring they did not get any authorization from any authorized user to project any of this Information to the credit bureaus.
10/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33033	Web
I have never had any communication with your company, never set up any payment arrangements. This is absurd! I have never had XXXX XXXX. I will keep fighting until you remove this account that does not belong to me. I was a victim of identity theft and reported everything to the credit bureaus.
08/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07017	Web
I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act. I am also requesting " validation '' that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to this debt collector.
12/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 445XX	Web
I received a letter from XXXX XXXX in XXXX, Ohio saying I owed XXXX XXXX XXXX XXXX. I do have XXXX as my electric provider and am usually a little behind on my bill but it is always paid, never disconnected and I pay first energy directly. In addition, the amount of XXXX makes no sense.
12/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 333XX	Web
The Receivable Management Services Corporation ( XXXX ) sent me a notice in the mail of an attempt to collect a past due health insurance premium of {$140.00}. The original creditor bill was from XXXX This is not a valid debt because I had paid the premium due IN FULL on XX/XX/2016.
11/30/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33054	Web
Reached out to creditor requesting information regarding this collection. I was not provided any bill, contract, or document indicating that this debt is own by me. I have been trying to have this matter resolved and need assistance. This has affected my personal life and credit.
12/04/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 191XX	Web	Servicemember
I have a new collection account on my credit file that i have no knowledge about. I was never given a DV and i also have no knowledge of the debt the collection agency had no right to report on my credit file with out giving me a DV the collection agency is XXXX XXXX for {$96.00}
12/10/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85210	Web
Been disputing this account threw the XXXX credit bureau every month over year and half, Kept saying it was verified but it obvious when my name is spelled wrong on original creditor & debt collector. the law is clear cut this account is not accurate please remove this account.
07/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 723XX	Web
The receivable management is trying to collect a debt from me, XXXX XXXX, inside the state of Arkansas where they are not licensed nor bonded which is against the law. I would like for this to be removed from my credit report immediately and for them to cease contact with me.
10/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI XXXXX	Web
I paid this account in full ( {$240.00} ) with the hospital long before it was sent to collections. When I spoke with the hospital it was not supposed to go to collections. The hospital claims they have contacted the collections agency on XX/XX/2020 but nothing has changed.
09/04/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48185	Web
XXXX apparently sent me to collections, however I have never ONCE received any info about this debt and or being sent to collections. If I would of know. I would of settled to hopefully join my house and car. LACK OF COMMUNICATION. Only to find out I AM in COLLECTIONS
11/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44060	Web
Receivable Management Services International XXXX XXXX XXXX, XXXX, PA XXXX This company is reporting a {$280.00} debit on my credit report. Twice. Same company information, same debit information BUT THEY CHANGED THE AMOUNT TO {$280.00}. so it is on my report twice.
01/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29073	Web
The Receivable Management Services LLC is contacting other people and asking for me. They have recently sent a letter stating that I owe a debt to a random web-based company based in XXXX. I do not owe this debt and I do not have an account with this XXXX company.
07/18/2020	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Contacted your employer	FL 33186	Web
I filed a dispute on all my credit due to my credit being used unauthorized all my accounts are under review and this company contacted my employer and threatened to continue calling a place of business that doesnt be long to me unless I took care of my account
05/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78653	Web
I am getting calls for apparently debt collectors without knowing what it is for. The numbers calling:XXXX XXXX XXXX I would like this to stop since I do not even know if perhaps the person that owned my number is the one that they are trying to contact.
12/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60563	Web
This account is in violation of 15 U.S. C. 1681 ( c-1 ). I have made several attempts to notify the original creditor and the collection agency about this account that's fraudulent or came from identity theft. This isn't my account nor do I owe XXXX.
01/26/2021	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 Difficulty submitting a dispute or getting information about a dispute over the phone	TX 75241	Web	Servicemember
On XX/XX/XXXX and XX/XX/XXXX, sent dispute letter to XXXX requesting evidentiary documentation to verify an existing debt with multiple companies. XXXX failed to provide requested documentation as require by FCRA, Section 609. Please see attachment.
07/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98011	Web
RMS reached out to me for debt of {$4100.00} which they alleged I owe to XXXX who I worked for till 2018, I have never been reached out by XXXX regarding any debt and I received my No-Dues from them. I dont owe this debt, its false claim against me.
02/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85395	Web
Received letter for {$480.00}. Original creditor didnt contact me until past statute of limitations for insurance company recoupment per Arizona law. Debt collection is illegal for phantom debt. Additionally they are phoning my office excessively.
03/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 190XX	Web
Receivable Management is reporting an auto insurance debt on my credit report from XXXX XXXX. I do not owe any outstanding debt to XXXX. I currently have a policy with XXXX. They would not have given me the new policy if i had an outstanding debt.
10/13/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 334XX	Web
I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my rights to privacy.
06/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30034	Web
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
12/29/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33142	Web
I NO longer had the car and finished payment toward my first I had with progressive all just want to remove this off my credit because I do not have a car and im trying to buy a car next year so I do not want any problems with any insurance
06/08/2023	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 23455	Web
I have no knowledge of this conpany & have not provided any consent for correspondence Please see attached forms senf from The Recievables Management Service LLC. I have no legal or binding contract Pleade Remove Identity Theft account,
09/28/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30080	Web
There is a debt being reported to my credit report from Receiveable Management that I paid years of go. I have sent letters to the credit bureau and the company and the debt was verified without any proof. This is killing my credit score.
08/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95240	Web	Servicemember
On XX/XX/2023, I sent a debt verification letter to Receivable Management Services LLC disputing a debt. I specifically asked for the company to validate the debt. However, the company has failed to respond for more than 60 days.
12/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WV 25801	Web
THE RECEIVABLE MANAGEMENT SERVICE has placed a debt on my credit report for {$230.00}. Per the WV XXXX XXXX XXXX, they are not licensed to collect debt in my state. They have ignored all of my attempts to rectify the situation.
12/18/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CT 06606	Web
I pay for my insurance, change company but this company insist even after our over the phone conversation regarding the matter. Debt collection company promise to file my document to the collection bureaus and credit bureaus.
07/24/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 451XX	Web
never received my right to dispute the validation of the debt/ 30 day notice. i also need this company to cease and desist all collection efforts against me until further notice only way to contact me would be us mail only.
04/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19131	Web
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), balance is {$350.00}, and account # XXXX.
05/02/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76052	Web
I Naver open any account with XXXX supply chain solation I received phone call try to connivance them this is not my account but send debit collocation and my personal and business credit is damage..
12/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 08807	Web
I called the company some time ago and settled the debt. The company has not removed the collections account from my credit report. Multiple attempts to contact, matter has not yet been resolved.
08/01/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29210	Web
Never received a written letter from the debt collection company about the account in collections. It just popped up on my report on day. Then I get calls almost everyday. From this company.
02/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 27587	Web
Received notification from creditor advising a debt was owed by me. There was no information validating the debt is owed by me. This company is in violation of the FCRA reporting standards.
06/19/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 780XX	Web
This number repeatedly calls - if I miss a call, they hang up and immediately call back. For example, today at XXXX - XXXX I received 4 consecutive calls, the last one leaving a voicemail.
04/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AK 999XX	Web	Servicemember
This debt was paid to the origional creditor in full balance of {$160.00} by phone. This company will not remove themselves from credit report, they are illegally trying to collect ... ..
01/09/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 605XX	Web
I requested information about a debt I noticed on my credit report. When I provided my name, date of birth, and the original creditor listed on the debt they were unable to find it.
07/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37921	Web
Receivable management collections placed a collections account on my credit report for {$310.00}. This is fraudulent and not my account I need to have it removed as soon as possible
01/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
My cousin as you can seen on the picture used my information to get insurance in her name. I contacted XXXX as you can see below they fail to investigate on serval occasions
05/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	AR 72704	Web
XXXX XXXX policy issue date and cancellation date are the same. No claims could have been made on this policy. No reporting to the credit bureaus should have been made.
11/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 336XX	Web	Servicemember
Receivable management has started reporting a debt to my credit report that they have failed to notify me of. I got an alert today from XXXX that this account was reported.
05/21/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 331XX	Web
Please check and investigate the date of the last activity in this account. I believe that this violated my privacy and stole my identity by reflecting my credit report
03/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	PA 19140	Web
I checked my credit and saw another account from Receivable Management Services LLC for XXXX XXXX. I actually paid this debt last year and this should not be reporting.
01/12/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IN XXXXX	Web
COLLECTOR KEPT CALLING MY DADS CELL AND FAMILY MEMEMSBER 7 TIMES AFTER CEASE AND DESIST COLLECTION AND DO N'T CALL ORDERS. WE ARE GOING TO SUE FOR {$500.00} PER CALL
12/01/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 334XX	Web
I have been trying to contact you to validate this alleged debt. My information has gotten into the hands of the wrong persons and I am trying to clarify some things.
07/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32303	Web
I checked my credit to see an account from the receivables for XXXX. Lost my job and became unemployed. Fell behind on payments and account went to collections.
06/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77521	Web
Multiple letters were sent to this consumer who can not provide original, valid documentation regarding this debt. Letters were sent in XXXX and XX/XX/2018.
03/15/2021	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 Investigation took more than 30 days	OH 43609	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
11/01/2020	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	VA 23607	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IN 46350	Web
I paid the settlement debt amount of {$110.00} on XX/XX/2018 to XXXX XXXX XXXX XXXX XXXX and they did not remove this debt nor report it the credit bureaus.
09/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33033	Web
I have never had any type of account with XXXX XXXX. I have told both the collections company and them repeatedly. I was a victim of identity theft.
02/18/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	NV 89503	Web	Servicemember
I have set up a payment plan with RMS Collections phone number, XXXX, but they called inbetween my set up paydates to ask for money and harras me.
12/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77375	Web
I had contact Receivable Management about XXXX dollar debt. I have requested for a validation, they still havent verified nor validate my request.
11/17/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 19128	Web
I am being contacted by a collection agency that has provided no proof of debt. This has been previously disputed and is not my responsibility.
03/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
RECMGMT SRVC is claiming that I owe them {$110.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
10/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76051	Web
one of the person calling threatening asking my identity and name and social security numbers phone number was XXXX receivable management LLC
01/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33065	Web
I am liable for this debt I do not have a contract with receivable management they could provide me with the proof of debt that I ask for
03/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 15108	Web
Receivable Management Systems sent me a statement saying that I owe XXXX XXXX XXXX but I do not. I have a XXXX dollar balance with XXXX.
01/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns
02/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30122	Web
I never gave XXXX any written consent to report anything on my consumer report, no consent is Identity Theft Under 15 U.S. Code 1681b.
06/02/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07006	Web
According to the creditor the account has expired. Attached is the amount for the that is owed. XX/XX/XXXX to XX/XX/XXXX. {$1300.00}
07/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33025	Web
This company tryed to collect a debt that was deleted from XXXX after a investigation from XXXX found them to be in violation.
05/31/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AL 36116	Web	Servicemember
THE RECEIVABLE MANAGEMEN XXXX XXXX XXXX XXXX, PA XXXX They are reporting to my credit and this was paid though bankruptcie
12/06/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91770	Web
This company attempts to collect an amount that I have no knowledge of. I did not make the purchase that resulted in debt.
03/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
My identity has been compromised by someone I do not know. Please feel free to contact me with any questions or concerns.
06/06/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NC 28083	Web
They sold my medical informationto another creditor and its a HIPAA violation to send information to another company
10/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19146	Web
I have attempted to dispute this collection on all three credit reports but it was only taken off my XXXX report.
11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 196XX	Web
Company has unlawfully reported unauthorized information to the credit bureaus, which is illegal and inaccurate
11/20/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 303XX	Web
I do not have a debt with The Receivable Management. I have received multiple calls disregarding the XXXX law.
05/19/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33462	Web
I have been trying to contact them to offer to settle the debt for a lower offer but i have not gotten a reply
12/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 299XX	Web
Try contact customer service would n't take care of my matter about remove this negative item from my report
05/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	NE 681XX	Web
I've been asking for applications to show some kind of proof that I apply because I dont remember applying
12/07/2017	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	NV 89002	Web	Older American, Servicemember
Constant threatening phone calls from XXXX concerning a supposed debt of which I have no knowledge
11/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 20774	Web
Didnt receive information from the original debt collector with signatures validating the debt
02/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60443	Web
insurance company change price after first payment was made so i cancelled when price changed
05/17/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	PA 155XX	Web
RMS wont stop contacting me and even through the mail! I do not owe waste management nothing!
04/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MN 55418	Web
I have requested for a copy of this debt with my signature. I havent received a response.
03/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 703XX	Web
Debt does not belong to me. Company needs to provide proof that the debt belongs to me.
05/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60532	Web
The company is on my credit report. I paid the debt yet it is still on my report
02/23/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	LA 70003	Web
Didnt receive any information about debt. Information sold to 3 party
04/22/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 90706	Web
REFUND WAS MADE TO THE XXXX AND STILL TRY TO COLLECT THE REFUND.
04/04/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 480XX	Web
Caller calls atleast 30 to 50 times a day, repeatedly
06/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MA 02062	Web
debt paid was told it would be deleted
08/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07006	Web
XXXX account was paid.
01/25/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 78016	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48618	Web

12/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27604	Web

12/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48618	Web

12/09/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 44121	Web

12/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91222	Web

12/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 76017	Web

11/30/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75232	Web

11/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33027	Web

11/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30080	Web

11/04/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30327	Web

10/16/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23225	Web

09/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28215	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70501	Web

09/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33025	Web

09/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KS 67401	Web

09/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29673	Web

09/01/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 44121	Web

08/30/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30909	Web

08/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 38107	Web

08/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38116	Web

08/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38116	Web

08/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33525	Web

08/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21117	Web

08/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 14616	Phone	Older American

08/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32522	Web

07/31/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48221	Web

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30305	Web

07/19/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30349	Web

07/16/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33023	Web

07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32301	Web

07/13/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 18015	Web

07/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11963	Web

07/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48325	Web

06/29/2023	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NC 28205	Web

06/29/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76106	Web

06/16/2023	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 Was not notified of investigation status or results	TX 76001	Web

06/15/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45458	Web

06/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 16511	Web

06/01/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29714	Web

05/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23231	Web

05/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19053	Web	Servicemember

05/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75052	Web

05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19144	Web

05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95127	Web

05/11/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77019	Web

05/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85704	Web	Servicemember

05/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32909	Web

04/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	NY 146XX	Web

04/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29615	Web

03/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35010	Web

03/24/2023	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 21157	Web

03/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44112	Web

03/22/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34953	Web

03/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28304	Web

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19135	Web

03/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33186	Web

03/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30534	Web	Servicemember

03/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29015	Web

03/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 35405	Web

03/02/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29410	Web

02/24/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KS 66517	Web	Servicemember

02/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08618	Web

02/17/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TN 37938	Web

02/15/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23834	Web

02/11/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 45373	Web

02/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91402	Web

01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07513	Web

01/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39759	Web

01/22/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11210	Web

01/19/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75801	Web

01/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30033	Phone

01/04/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33598	Web	Servicemember

12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48035	Web

12/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33009	Web

12/20/2022	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 23112	Web

12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95820	Web

12/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33424	Web

12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33404	Web

12/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44121	Web

11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20906	Web

11/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27406	Web

11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36106	Phone

10/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33407	Web

10/19/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33054	Web

10/12/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NY 12302	Web

10/09/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 15131	Web

10/05/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 13760	Web

09/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33025	Web

09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85140	Web

09/24/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 45373	Web

09/19/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44688	Web

09/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30252	Web

09/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33026	Web

08/24/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 19131	Web

08/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07017	Web

08/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48213	Web

08/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90601	Web

08/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 90601	Web

08/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78218	Web

07/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30252	Phone

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	NC 27504	Web

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	IA 52804	Web

07/08/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21040	Web

07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NY 11580	Referral

06/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11563	Phone

06/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 31322	Web

06/22/2022	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	GA 30281	Web

06/21/2022	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 21220	Web

06/16/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	PA 19139	Web

06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92805	Web

05/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30606	Web

05/26/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79928	Web

05/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29108	Web

05/23/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NC 28792	Phone

05/19/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79928	Web

05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92805	Web

04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33578	Web

04/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23503	Web

04/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75248	Web

04/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45040	Web

04/05/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AZ 85623	Web

03/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29680	Web

03/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29680	Web

03/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29680	Web

03/22/2022	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 75044	Web

03/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 20171	Web	Older American, Servicemember

03/17/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32082	Web	Older American

03/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91304	Web

03/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21239	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

03/07/2022	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	GA 31794	Web

03/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19141	Web

03/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19149	Web

02/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37933	Web	Servicemember

02/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31816	Web

02/14/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08205	Web

02/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11706	Web

02/08/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 45224	Web

01/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77380	Web

01/23/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91614	Web

01/21/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NJ 08054	Phone

01/04/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	OH 45215	Web

12/31/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53217	Web

12/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29045	Web

12/11/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 13760	Web

12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43068	Web

12/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29325	Web

11/27/2021	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 Investigation took more than 30 days	IL 62205	Web

11/23/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CT 06615	Web	Servicemember

11/23/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 15317	Web

11/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29210	Web

10/16/2021	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 Investigation took more than 30 days	TX 77505	Web

10/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29040	Web

10/12/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77371	Web

10/04/2021	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	OR 97006	Web

10/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 18656	Web

09/24/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	FL 32765	Web

09/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77449	Postal mail

09/07/2021	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 Investigation took more than 30 days	NJ 08046	Web

09/05/2021	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 Investigation took more than 30 days	NJ 07052	Web

09/01/2021	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	GA 30044	Web

08/20/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29622	Web

08/20/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 27909	Web

08/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PR 00907	Web

08/13/2021	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 Difficulty submitting a dispute or getting information about a dispute over the phone	GA 30277	Web

08/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29455	Web

08/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08081	Web

07/26/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 27909	Web

07/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32818	Web

07/21/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78233	Web

07/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28206	Web

07/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29486	Web

07/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 14609	Web

07/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KS 66218	Web	Servicemember

07/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29436	Web

06/28/2021	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	MI 48141	Web

06/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 71601	Web

06/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77521	Web

06/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21060	Phone	Older American

06/10/2021	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 21114	Web

06/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21206	Web

06/10/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 553XX	Web

06/07/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 27909	Web

06/06/2021	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	LA 70805	Web

06/02/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 12550	Web

06/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02141	Web

06/01/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30043	Web

06/01/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 19063	Web

05/29/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48504	Web

05/26/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 75287	Web

05/25/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28303	Web

05/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19134	Web

05/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21213	Web

05/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29209	Web

05/06/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32837	Fax

05/05/2021	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 Investigation took more than 30 days	AL 35160	Web

04/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30350	Web

04/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33460	Web

04/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85310	Web

04/06/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44646	Web

04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97233	Web

03/31/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29118	Web

03/26/2021	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 Investigation took more than 30 days	VA 22191	Web

03/25/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23325	Web

03/18/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23523	Web

03/09/2021	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 Investigation took more than 30 days	OH 43606	Web

03/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55119	Web

02/23/2021	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	GA 30168	Web

02/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75054	Web

02/10/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28212	Phone

01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31904	Web

01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75062	Web

01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85248	Web

01/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IA 52761	Web

01/05/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78130	Web

12/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98055	Web

12/31/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NY 11691	Web

12/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70812	Web

12/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78610	Web

12/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33312	Fax

12/21/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NY 11691	Web

12/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48381	Web	Servicemember

12/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MO 63121	Web

12/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43068	Fax

12/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77016	Web	Older American, Servicemember

12/09/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 98006	Web

12/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29223	Web

12/03/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08060	Fax

12/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30013	Web

11/27/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07039	Postal mail

11/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78758	Web

11/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77379	Web

11/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07721	Fax

11/10/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77014	Web

11/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20746	Web

11/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29010	Web

10/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21222	Web

09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31904	Web

09/26/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IA 50320	Web

09/21/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28540	Web

09/10/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	NC 28734	Web	Servicemember

09/08/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	PA 19609	Web

08/26/2020	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	NC 27801	Web

08/26/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08861	Web

08/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WI 53211	Web

08/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35242	Web

08/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20774	Web

08/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29229	Web

08/05/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07039	Postal mail

08/04/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77304	Web

08/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98032	Web

07/31/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78503	Web

07/20/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 15650	Postal mail

07/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	HI 96782	Web

07/02/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20785	Fax

06/04/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29379	Phone	Older American

04/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect		Phone

04/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53225	Web

04/21/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	DE 19901	Web

04/10/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 91722	Web

04/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11414	Web

04/01/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33445	Web

03/23/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90275	Web

02/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32244	Web

02/05/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77545	Web

01/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38115	Web

01/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70072	Web

01/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29210	Web	Servicemember

01/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29210	Web

12/27/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48211	Web	Servicemember

12/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29715	Web

12/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30252	Postal mail

12/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 15085	Web

12/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30008	Web

11/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35601	Referral

11/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33890	Web

10/24/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 92553	Web

10/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48201	Web

10/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29180	Web

10/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30906	Web

09/05/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 45417	Referral

08/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC XXXXX	Web	Older American

08/16/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30024	Web

08/06/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48235	Web

07/27/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 33445	Web

07/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	ND 58705	Web	Servicemember

07/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08820	Web

07/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97217	Web

07/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32713	Postal mail

06/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85257	Web	Servicemember

06/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85086	Web

06/24/2019	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	TX 77510	Web

06/04/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33054	Web

05/31/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MO 65203	Web

05/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91343	Web

05/28/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 18966	Web

05/28/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 30260	Web

05/27/2019	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 19121	Web

05/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32505	Web

05/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70835	Web

05/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98503	Web

05/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77510	Web

04/29/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80134	Postal mail

04/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30906	Web

04/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80923	Web	Servicemember

04/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VT 05255	Postal mail

02/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30096	Web	Servicemember

01/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92127	Web

01/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94513	Web

01/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 99016	Postal mail

01/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23237	Web

12/30/2018	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 Problem with personal statement of dispute	LA 70433	Web

12/22/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IN 46360	Web

12/04/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29115	Web

12/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85641	Web

11/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22153	Web

11/06/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

10/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90034	Web

10/15/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94591	Web

10/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34986	Referral

09/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94591	Web

09/20/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 92612	Fax

08/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32114	Web

08/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 74136	Web

07/26/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33162	Web

07/18/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 12183	Web

07/12/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	KS 66105	Web

07/04/2018	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	CA 93257	Web

07/02/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TN 38002	Web

06/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CT 06514	Web

05/28/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 22407	Web

05/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07753	Fax

05/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 12020	Web

05/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34668	Web

04/21/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 75355	Web

04/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48032	Web

04/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28214	Web

03/28/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KY 40299	Referral

03/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

03/01/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27856	Web

02/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 07078	Web

02/13/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	IN 46032	Web

02/09/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 91910	Postal mail

01/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75218	Web

01/08/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 27517	Web

01/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Phone

12/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 22407	Web

12/14/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 22401	Web

11/29/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 80015	Web

11/29/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NJ 08736	Referral

10/25/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33160	Phone

10/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33437	Referral

10/11/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95670	Web

10/05/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30080	Web

08/08/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 44210	Web

07/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33990	Web

07/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30223	Web

06/27/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07003	Web	Servicemember

06/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34483	Web

06/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94803	Web

05/30/2017	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 Investigation took more than 30 days	AZ 85119	Web

05/18/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29442	Web

04/27/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30223	Web

04/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92821	Phone	Older American

03/28/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX 79912	Web

02/24/2017	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CA 95648	Postal mail	Older American

02/22/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	DC 20009	Web

02/03/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	WI 54984	Fax

01/25/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33617	Web

01/25/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11238	Postal mail

01/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 31525	Phone

01/10/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NV 89012	Web

12/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22101	Web

11/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MO 65052	Web	Older American, Servicemember

11/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92679	Web

08/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	WA 98237	Fax	Servicemember

08/15/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	VA 24477	Web

07/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WI 53934	Phone	Older American, Servicemember

07/20/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TX 78230	Web

07/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90723	Web

06/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90723	Web

06/07/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48104	Fax

05/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90026	Fax

04/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 17406	Referral

01/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 32277	Web

01/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33629	Web

01/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 19142	Postal mail

10/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	TX 75077	Web

10/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	OH 44805	Web	Servicemember

10/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77042	Fax

09/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 44070	Web

09/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 91104	Phone

09/11/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60517	Web

08/23/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44106	Web	Servicemember

07/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 93908	Phone	Older American

07/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 94530	Web

07/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 98003	Web

06/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	IL 60607	Fax

05/29/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	PA 20012	Phone

05/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 18109	Web

05/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91789	Web

04/24/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	CT 06320	Phone

04/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IN 46256	Referral

03/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33154	Web	Servicemember

03/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33416	Postal mail

02/21/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 23112	Web	Servicemember

01/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 43623	Web

01/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 56601	Web

01/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98102	Web

12/29/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37073	Web

12/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 44805	Web

10/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10014	Phone

10/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	VA 24219	Web

10/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	OH 45040	Web

10/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 96097	Web

10/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	DE 19808	Phone

09/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 11501	Web	Older American

08/11/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 43229	Web

08/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	ID 83704	Phone	Older American

06/27/2014	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	AZ 85201	Web

05/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 16224	Web	Older American

04/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OH 44124	Web

04/14/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	PA 15212	Web

04/05/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	IL 60061	Web

03/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 43071	Referral

03/20/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NE 68118	Referral

03/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MD 21228	Web

03/07/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	PA 17901	Referral

02/18/2014	Yes	Debt collection I do not know	False statements or representation Indicated shouldn't respond to lawsuit	NY 11558	Web

02/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94062	Fax

02/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 31082	Web

02/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60516	Web

12/27/2013	Yes	Debt collection Medical	Communication tactics Called outside of 8am-9pm	CA 94805	Web

12/23/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DE 19703	Web

12/21/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78705	Web

12/06/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AP 06521	Web

11/19/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94103	Web

11/19/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10980	Web

11/07/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11730	Web

11/06/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22556	Web

11/04/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 95670	Web

10/29/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75251	Referral

10/21/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95003	Web

09/27/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	MT 59404	Web

09/26/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10018	Referral

09/25/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 11709	Postal mail

09/24/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NJ 07076	Web

09/18/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	WA 98281	Phone	Older American

07/21/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 44026	Web