Consumer complaint received 2015-12-15
Company: The Receivable Management Services LLC
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
My name is XXXX XXXX in XXXX of 2015 I went to XXXX company located on XXXX XXXX in XXXX, Ny. I got insurance from a broker from the company, at the time I had another quote for insurance some where else. I explained to XXXX what I needed, the broker stated she could get me cheaper insurance through XXXX and beat out the other insurance company I was going to. Ok fine, I like to save a little money so I went with XXXX. XXXX gave me XXXX as my insurance carrier. I paid the insurance to activate my policy in XXXX. In XXXX XXXX wanted me to proof household members. I signed XXXX different forms for progressive stating my daughters XXXX XXXX, and XXXX XXXX are not drivers. I had to sign the form for XXXX and then again for another person XXXX XXXX who I do n't even know. Ok fine I will sign these people do not drive my vehicles to keep the policy at a reasonable amount. Still with all that, XXXX kept e-mailing me and writing when the policy was due that I owe XXXX per month for insurance. I would call XXXX to let them know that XXXX is e-mailing me and writing stated my policy is more than what I agreed to. XXXX would say no, your monthly pay is XXXX dollars that is what I excepted when I went to them in XXXX of 2015. I would pay my premium with XXXX over the phone with my debit cards. Each month since XXXX I had an issue with this policy through XXXX. I called XXXX so much each month to report XXXX writing me about that policy I did not agree to. XXXX kept telling me do n't worry about it we will get it fixed. In XXXX XXXX said ok we are going to find you another policy because this is to much. They got me another policy through XXXX. I have had XXXX since XXXX 2015 and XXXX is still stating I owe them XXXX for the policy. First I never agreed to the policy XXXX was trying to give me. I never paid XXXX for any premium, I paid XXXX to them since XXXX 2015. I 'm writing you today because XXXX is sending me letters form R.M.S an collection agency for the remaining balance that I do not owe. I never signed any paper work stating I wanted the high policy. In XXXX I agreed to what I could afford for insurance. There is no paper work signed from me XXXX XXXX for a high policy. I have received two letters already for collection action against me. I have called and called XXXX to get this fixed. XXXX keep stating it should had been fixed already. I called XXXX again on Thursday XXXX, 2015 and told them that XXXX is still writing me about the policy and now the collection agency are calling my home leaving me messages daily about this action. I need help with this, because I do not owe XXXX anything. I do not want this on my credit report, I have enough things to clear up already. Today I called XXXX again spoke with broker, she is the one who I been dealing with since XXXX, 2015. Broker stated today she believes XXXX moved the collection on there end, but has not reach out to R.M.S to let them know to remove the {$1100.00}. She stated she has called Marketing, this person, that person to get this cleared. I very frustrated with this. I 'm still dealing with this issue since XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief