Consumer complaint received 2021-05-03
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
From : XXXX XXXX XXXX SSNXXXX & XXXX XXXX XXXX SSNXXXX XXXX XXXX XXXX XXXX SC XXXX Creditor : XXXX XXXX XXXX ATTN : Medical Records and Bill Office XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Collection Agency : Receivable Solutions , INC . 
ATTN : Supervisor XXXX XXXX XXXX XXXX XXXX SC XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX and XXXX XXXX XXXX here and after will use their first names. Receivable Solutions, INC. conducted two interceptions for XXXX XXXX XXXX illegally as follows : XXXX {$670.00}, XXXX {$190.00} on the XXXX South Carolina state tax return. Both were never notified of any bills. On XX/XX/XXXX, both received a letter from the South Carolina Department of Revenue indicating that their refund was intercepted by XXXX dated XX/XX/XXXX. XXXX and XXXX contacted the number at the time thought to be a division of XXXX, which later found out that it was their collection agency on the same day the call was placed to gather information. This is what was told XXXX supervisor with Receivable Solutions INC. XXXX had a bill dated XX/XX/XXXX. XXXX also had a bill from XX/XX/XXXX in the amount of {$3800.00}. I XXXX kept letting XXXX know that even if those bills were proven to be ours that both debts have exhausted the statute of limitations XXXX XXXX. XXXX XXXX. XXXX told XXXX that he did not care Receivable Solutions was going to continue to intercept future returns. The amount intercepted by the SCDOR XXXX tax for XXXX XXXX was {$670.00}. We were told that our SCDOR taxes would continue to be intercepted for XXXX XXXX remaining balance of {$3100.00}. XXXX has also requested the information on the interception of her third stimulus payment in the amount of {$1400.00}. Both XXXX and XXXX believe that Receivable Solutions INC. used the HIPPAA LAW 42 U.S code 1320d-9 ; as leverage, not to provide the South Carolina Department of Revenue the dates ; and, both debts were from XXXX, all of which exhausted S.C. Ann. Code 15-3-530. 
Both XXXX and XXXX have read the debt setoff program A claim made under the Debt Collection Act : chapter 56 of title 12 of the SC code of laws ; in fact, by any interpretation written or implied will not extract S.C. Ann. Code 15-3-530 limitations. This is how XXXX and XXXX are sure the HIPPAA LAW 42 U.S code 1320d-9, was used as leverage ; therefore, the SCDOR would have denied their request for tax interception, with dates given. These debts are eight years old. In South Carolina, the limitation on all debts is three years, except bankruptcy and foreclosure which are ten years. Both XXXX and XXXX never had a judgment or law suit placed against them. XXXX and XXXX never saw XXXX XXXX XXXX or Receivable Solutions INC. on their credit reports. On the phone call placed to Receivable Solutions INC XXXX at approximately XXXX XXXX  on XX/XX/XXXX XXXX was connected with a supervisor XXXX approximately XXXX on their recorded line and asked why he or XXXX never received any bills, and he said that our address on file is XXXX XXXX XXXX XXXX SC. XXXX informed XXXX that either he or XXXX had not lived at address since XXXX. Under XXXX XXXX XXXX XXXX XXXX XXXX SC code of laws, a debtor is required to notify the consumer of a delinquent debt. 

Both XXXX ( complaint # XXXX ) and XXXX ( complaint # XXXX ) have filed both filed complaints with the South Carolina Department of Consumer Affairs with XXXX XXXX XXXX and their collection agency Receivable Solutions INC. The complaint with XXXX was closed with a response. 

XXXX ( complaint XXXX ) and XXXX ( XXXX ) currently has an open complaint with Receivable Solutions INC. and the case Analyst : XXXX XXXX, is currently awaiting response from Receivable Solutions INC. 

Receivable Solutions has been unprofessional with XXXX and XXXX. They told both XXXX and XXXX the bills would be sent by XXXX. The bills were sent in a hand written envelopes with no company name .XXXX was not made aware the bill came from LMCs collection agency until the bill arrived for XXXX . The bills sent does not have the interception amount with all balances and dates, which is required by law. When XXXX finally got his bill after several request he discovered the bills were sent by Receivable Solutions INC. This placed XXXX as being dishonest with both XXXX and XXXX. XXXX did tell XXXX that in his reply XXXX would not return the money and continue future collection ; and after his statement, XXXX told him the collection was placed in error and must return the money. XXXX, Receivable Solutions INC, Supervisor also told XXXX on his recorded line I did not care about these debts being out of limitations, take us to court, do what you want, you will not get any of the money back and future interceptions will be placed until the debt is paid in full for XXXX. XXXX and XXXX are hoping by reporting this issue to both state and federal officials would help get the justification and have their money returned due to collections placed unlawfully, being out SC limitations.

Company response to consumer: Closed with explanation