Consumer complaint received 2020-06-03
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Since I am XXXX years old and I don't know how long am I still going to be able to drive from my home in XXXX all the way to work in city of XXXX XXXX, earlier this year I started the process of refinancing my home so I could lower my monthly payment and current interest rate. At that time I found out that this collection company, Designed Receivable Solutions , Inc. filled and reported a medical collection on my credit report and damaged my credit. Since I never received any medical bills and I do have medical coverage through my employer I requested my lender to provide me with this company contact information as I thought that I was a mistake since every creditor should try to make a reasonable attempt to provide with a bill before damaging people 's credit and send them to collection. After reaching out to them and going through the insane amount of phone calls and threats received from their " customer service '' without any proof or copies of the bill from original creditor or any proof from their company that original creditor whoever that might be hired them to collect the ridiculous amount of {$140.00} I have decided that my heath condition does not allow me to go any further with disputing and arguing with this company and decided to pay the {$140.00} reported on my credit with the condition that this collection account WILL BE DELETED/REMOVED from my credit report. Since every time I called I received the message " ALL CALLS ARE BEING RECORDED '' I agreed to pay the fee of {$140.00} after customer service lady named XXXX or at least this is the name she provided to me STATED CLEARLY THAT MY COLLECTION ACCOUNT WITH THEIR COMPANY WILL GET REMOVED ONCE I PAY THE {$140.00}. The {$140.00} was paid on XX/XX/2020 and as of today XX/XX/2020 my account was only reported as PAID but still on my credit report. On XX/XX/XXXX I called again and requested to speak to a supervisor which I informed that my next step would be to file a formal complaint with CFPB since Designed Receivable Solutions, Inc. did not remove my collection account after they agreed to have the account removed and after receiving a payment for a debt that I was not even provided with proof that actually belonged to me. I have to say that the words CFPB and formal complaint made the supervisor extremely angry and it continued into a not so amicable conversation but she agreed that the account will get removed. Since I've been going through such a bad ordeal with their company I requested to receive a copy of the letter which will be sent to credit bureaus, I even offered to drive from XXXX and pick it up at their office but she declined. I was supposed to wait again for the letter to be received in the mail which a week later I never received. This company damaged my credit, provided false information and treated me with such disrespect for {$140.00} bill which I never received either from them or original creditor. I am turning now to you, CFPB as the only authority who can help me and stop this predatory collection agency to continue damaging my credit and ruin my only change to lower my home payment so I could keep the roof under my head.

Company response to consumer: Closed with explanation