Consumer complaint received 2020-06-19
Company: The Receivable Management Services LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation