Consumer complaint received 2017-12-08
Company: RMB, Inc.
State: NC
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:
Good day, I received a notice via email that a collection had been placed on my credit file and the name attached was RMB Inc. I immediately went to the Internet to research the company and the phone number.I reached out to the company and spoke to XXXX. She verified me and said that a 1st and only letter was sent XX/XX/XXXX but that XXXX XXXX had told them to put the account on hold and it had been put on hold because I had requested financial assistant .I agreed! I never heard back from RMB. I filed for assistance and made several payment to Novant health. XXXX claimed XXXX tried contacting me but ( not true regarding application ) all the times I spoke to them, we never discussed my application. But I found out via email that they had already placed the account on my credit file. As of XX/XX/XXXX, RMB placed on collection on my credit file. As of XX/XX/XXXX, I had not received any denial letter from Novant health. 
I received a letter XX/XX/XXXX from XXXX XXXX stating that my application for financial assistance have been reviewed and did not meet the requirements Because I did n't send all the information in a timely matter, but if I receive a request for payment in the next 6 months, please contact the billing office to advise if there have been any changes in my financial situation. This letter was received in my mail XX/XX/XXXX and RMB had already placed my account for collection. 
They never contacted me with any payment plan, arrangements, or settlement. All they needed to do was contact me, tell me, XXXX said my application was denied and now collection procedures will start. They never gave me the option to pay them, make a settlement or even to make a payment plan, they just place the collection on my credit file with no responses or communication beside one letter XX/XX/XXXX,  which they were told to hold the account!! I have never denied paying this bill, I asked for help, which is the law and my right to do so, without some greedy collection agency going straight for my credit file. I have good credit, I pay my bills, now they have affected my credit without knowledge of why, without giving me my right to pay them first. My denial letter is dated XX/XX/XXXX, How can this be already on my credit report. I am requesting for it to be removed and for me to be given a 30 day notice again from the date of my denial letter and the lawful right to make a payment plan with this company. They violated my rights. Everyone just do n't haave {$600000.00} to pay right away on a hospital bill. This is why a collection company collects, by giving you as chance to pay the bill. If not they should not be collecting funds from anyone!! They are rude and nasty and have mistreated so so many. I will not stand back and let them mistreat me. I pay my bills and they have violated my credit rights by not giving me a chance to settle this bill before they affected my credit. I asked RMB to remove this debt and contact me directly, now that I have been denied assistance, I want to settle this and they have refused to remove the debt. I am willing to pay them when this is done the correct and lawful way. Remove the collection and contact me!

Company response to consumer: Closed with explanation