Consumer complaint received 2023-07-01
Company: Omega RMS, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I saw an advertisement for tummy cellulite reduction treatments with no surgery. XXXX XXXX XXXX religiously for at least 2-3 months and I never got any results. I never lost any weight in the midsection area. This was a Scam. I was paying my bill every month until one time I got paid, they went into my account unauthorized and taken {$900.00} or so from my account. I called the company and they never returned the money that they stole from my account. I needed that money to pay my mortgage that month. Since my accounts were compromised by this company, I updated my banking information and they have been harrassing me every since. I have spoken to a number of their people and told them why I will never pay another penny to this company because Its fraudulent. Attached is a document from Omega and I also have a letter that I was sent back on XXXX XXXX XXXX  asking for payment. Since they never returned the money they stole from my account, I don't feel I should have to keep criminals in business. XXXX XX/XX/XXXX Account : XXXX Subject : Notice Concerning Your Agreement with XXXX XXXX XXXX XXXX XXXX Dear XXXX, This Letter relates to the Retail Installment Credit Agreement ( Agreement ) you entered to finance your purchase from XXXX XXXX XXXX XXXX XXXX XXXX Merchant ). Although we understand your Account has been closed, we are writing to notify you of certain rights and protections maintained under your Agreement. The Account Number related to your Agreement is provided above.

Who is providing this Letter? This Letter is being provided by the above-referenced Merchant 's third-party billing service provider, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

What is the purpose of this Letter? This Letter is meant to inform you of certain rights and protections maintained under your Agreement. The Notice stated below is provided in conjunction with your Agreement, and it is incorporated into your Agreement by reference herein. As such, the rights and protections afforded to you under the following Notice shall be effective as of the date on which you entered your Agreement and remained in effect until the date your Account was closed. 

NOTICE : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

A copy of this Letter is now attached with your Agreement documents, which you may access through your online account at XXXX. No further action is required from you at this time ; although, we recommend that you maintain a copy of this Letter for your own records. 

This does not affect the status of your Account, which our records show has been closed. If you have questions, please email us at XXXX or call us at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Which turned the service account over to XXXX. 
Please see the attached document for more details. Thank you, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation