Consumer complaint received 2021-02-04
Company: Omega RMS, LLC
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2018 My family sat in on a presentation at XXXX in XXXX XXXX Nevada to learn about a travel program by a company called XXXX XXXX. We were told at that time that it was a month by month plan and it would save us money on airline travel, cruises and motel stays. When we arrived at the presentation we presented them with a debit card and our drivers license for verification purposes. We were told that the monthly fee should we decide to proceed with the plan would be {$80.00} a month. It also came with a FREE cruise and airline tickets just for listing to the presentation. 

I do not remember signing anything nor did I receive copies of any contract. However, on XX/XX/2018 I noticed a fee of {$170.00} that had been deducted fro my checking account ( statement included ). At this point I went through my emails to see if I had in fact been contacted by XXXX XXXX and I located a welcome letter. I did NOT receive any additional information or proof on me joining a membership or entering into a contract. I called the number on the welcome letter and explained the situation and indicated I did not feel I had actually joined or signed up for anything and I requested a call back from a representative. I also sent a reply email to the email address in which I had receive the welcome letter stating I wished to cancel any contract I had with their company ( email attached ) .I have never received a call or an email response and I immediately called my credit union and stopped all future withdrawals from this company. 

I consistently receive emails stating that my card on file needs to be updated to deduct my payment. Again, we met with a representatives from XXXX XXXX XXXX XXXX years ago and have never received proof of membership or in any way utilized the service they promised. I have no idea what the amount of {$170.00} which was deducted from my account went towards I researched XXXX XXXX online and have attached documentation from others who also have experienced the similar outcome as I have after sitting through a presentation. Also, they indicate the company is also known as XXXX XXXX. 

I am not requesting a refund however, I would like to have the negative collection status by XXXX XXXX removed from my credit report immediately. It indicates a {$3200.00} outstanding amount which I have NO idea what it is even for since the presentation indicated a month by month, cancel at any time with no penalty program. Again, I do not believe I even signed up for anything! Interestingly enough, it also indicates on the credit report : Placed for collection : original credit XXXX the membership inc : dispute resolved : customer disagrees This is a lie, this dispute has never been resolved and yes I do disagree. I have never received a return call explaining this situation. 

We are currently trying to refinance our home and this negative credit reporting is detrimental to that process. 

Thank you in advance for your time and attention and I hope that we are able to remove this collection status immediately.

Company response to consumer: Closed with explanation