Consumer complaint received 2018-07-12
Company: FMS Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX credit card Summary : The credit card company and its collection agency refuse to provide verification of the debt they claim I owe but continue to insist I make payments. In response to my inquiry, they sent incomplete information that does not show all payments made and the total due on the document they sent does not correspond to the amount they claim I owe. I have sent numerous letters and had numerous phone conversations and they still refuse to provide debt verification documents. 


Details : Due to unforeseen expenses, I fell behind in credit card payments, including XXXX XXXX. XXXX/XXXX sent my account to XXXX XXXX XXXX for collection. See attached XXXX form dated XX/XX/XXXX ( Atch 1 ). 


I made payments to XXXX for a year, then received correspondence from FMS Inc., dated XX/XX/XXXX ( Atch 2 ) that my account had been placed with FMS for collection. I did not receive any notice from XXXX, XXXX, or XXXX XXXX that my account had been sent to another agency. The FMS form included a balance due that appeared extremely high and I called FMS on XX/XX/XXXX to discuss this amount. FMS rep. XXXX XXXX told me the record showed my last payment was XX/XX/XXXX ( acknowledgment of payment made to XXXX - Atch 3 ). I  said I made a payment in XXXX ( Atch 4 ). I called back on XX/XX/XXXX and spoke to XXXX XXXX ( XXXX ). She also said no payments had been received. On another occasion, I talked to FMS rep XXXX XXXX who said they would get a record of payments from their client and send to me. XXXX said I should wait until he gets the information before making more payments, and that he would call me. I also talked to FMS XXXX XXXX on XX/XX/XXXX who told me the client had not yet sent the records ( contemporaneous notes Atch 5/1-2 ). On  XX/XX/XXXX I went ahead and made a payment ( Atch 5/3 ). 


When I received the information that was supposed to verify the balance due, the package was nothing more than copies of old XXXX bills. The last XXXX bill showed a XXXX balance and payment due the previous year ( XX/XX/XXXX ) of {$950.00}, considerably less than the balance claimed by FMS ( Atch 6 ). No records of my payments in the interim, including payments to XXXX XXXX XXXX were provided. I contacted FMS and was told this was all the information they had. I asked about my payments to XXXX but they said they could send me only the documents that XXXX provided. They ignored my claim that I had paid XXXX for a year then started sending notices to make a payment. 


On XX/XX/XXXX, I wrote to FMS with copy to XXXX and XXXXXXXX XXXX - sent by certified mail - reiterating the sequence of events, that verification sent was of incomplete, and requested each to provide the documents I had requested ASAP ( Atch 7 ). 


I did not receive a response from XXXX. FMS sent a form dated XX/XX/XXXX, stating that my XXXX credit card account had been closed and returned to XXXXXXXX XXXX ( Atch 8 ). 
I received a letter from XXXXXXXX XXXX dated XX/XX/XXXX, stating, " We are currently reviewing our records in order to provide you with a meaningful response. As soon as we complete our research, we will send you a letter than will explain the results of our review. '' ( Atch 9 )  I heard nothing more from XXXX  for weeks so I wrote again XX/XX/XXXX, noting that I had not received a response, and providing copies of previous correspondence ( Atch 10 ). 


Then FMS started calling me again, after saying they had closed my account. I again wrote to XXXXXXXX XXXX, letter dated XX/XX/XXXX ( Atch 11 ) but have not heard from them. FMS continues to call me,  usually with automated phone messages to call them. When I talked with an FMS representatives on XX/XX/XXXX, he continued to insist they had sent all the information they had. He repeatedly persisted with this argument to the point of harassment. 


Companies involved : FMS INC . 
XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation