Consumer complaint received 2022-04-15
Company: Debt Recovery Solutions, LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX Debt Recovery Solutions reported a debt which they claim I owe to my credit report with XXXX, XXXX, and XXXX without ever first contacting me about the matter, and I keep my contact information accurately updated with the XXXX agencies they reported this matter to. I made an attempt to call specifically to ask for an actual address where an agent or representative of their company would be present to receive and sign for a formal request for validation of debts via certified mail and they would only provide me with a po box . and specifically told me that any other addresses listed were incorrect and my mail wouldnt be delivered. I pressed the point that I am aware this is a common stall tactic among the more unscrupulous debt collection agencies and that it was a way of making it more difficult for me to prove I sent mail ( even though the postal service still has a prove you say you sent it when you did service for this very reason that I always use in these situations ) and the employee still wouldnt be of any further assistance then hung up on me in the middle of a question. I do have that conversation recorded. No matter I still sent a formal request for debt validation as per my rights provided under law and I didnt receive a response within 7 or 30 days so I sent it again. I do have proof of this both times, and again I received no response. These debts they claim I owe are medical debts from XXXX and are not only time barred debts by XXXX  and XXXX  state statute of limitations on collecting, but they are very suspicious as there are multiple accounts all with the same amount, from the same date and from different dates therefore I need to verify all of them as accurate. They also fall under the new changes updated by XXXX, XXXX and XXXX and will no longer be reportable as such beginning in XXXX. They also only have a few of these low dollar accounts posted to my credit and it began as only one - come to find out there are several more still unreported and they said what they are doing is reporting them as time goes on to try to get me to realize to pay my debts ver batim and when I told them I would report them to the CFPB and other agencies of authority the response was thats ok and we could just wait and keep these there and keep reporting the rest till you pay we dont mind again ver batim, it is clear and obvious they are using these tactics to punish me or continue to damage my credit once one account becomes seasoned on my credit report and isnt damaging it as bad and this is all from almost 6 to over 6 years ago anyway. At this point in my life it literally isnt even about not paying debts like they are acting nor has it ever been. Ive been punished my whole life due to this medical debt. Ive lost places to live, been turned down from management and cash handling positions due to these accounts and I just want to verify them because they appear extremely suspicious and the company attempting to collect them is very aggressive and unscrupulous and I want to move on with my life and they are unwilling to stop punishing me for whatever reason. When I realized they werent going to cooperate within the language of the law and resolve this manner in a professional way I contacted an attorney and each time my attorney reached out to them- they hung up on him and all of these calls are recorded. The first time he called they wouldnt speak to him without a formal identification and his only purpose was to gain an address of their legal department, and immediately they hung up on him. The second time he called he asked Is po box such and such your only mailing address to send documents to your legal team and the lady replied YEP and while he was asking if there was another address they hung up, the third time he called they cut him off and asked Who is this!!? And when he stated his name they hung up again. The representatives nameswere XXXX, XXXX and XXXX. All of these are the specific reasons I contacted an attorney to help me resolve this matter which has so far proved unsuccessful for him also. There have been multiple violations of FDCPA rights because of this agency and they refuse to remedy or approach this in a friendly, non aggressive manner.

Company response to consumer: Closed with explanation