Consumer complaint received 2016-08-19
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mnet Financial Inc (OH)

I was contacted by Mnet Financial ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) initially where they said that I owed their company a debt of {$530.00}. I told the representative of Mnet Financial that I would remit payment to the owners of the debt which is XXXX XXXX XXXX. At that time, I submitted a payment to XXXX. Shortly after, Mnet contacted me again asking for {$530.00}, and when I explained that I made a partial payment to XXXX, I was instructed to stop paying them and to remit payment to Mnet, as XXXX would no longer be accepting payment from me and that the debt was now owned by Mnet. 
I stated that I would not be making any future payments until I was sent an accurate invoice. The representative attempted to argue with me, but eventually agreed to send an updated invoice taking into account the amount I said that I had already remitted to XXXX. When the updated invoice was received, I made another partial payment ( 4 times the minimum monthly payment that Mnet said was required ). Several weeks later, Mnet contacted me stating that they need payment again. I requested an updated invoice which would acknowledge my previous payment. The representative stated, " No. We do n't do that. '' I explained that I would make no further payments without an invoice. The representatives continued to call asking for payment. Each time, I requested an invoice be mailed to me, they refused repeating the same answer, " We said we do n't do that. '' The very last time they called, the representative of Mnet stated that I owed an amount which was {$60.00} over the amount that I knew I owed. I still have the original invoice sent by XXXX, and I have copies of the cashed checked from the bank, so I knew that I did not owe this amount. 
I asked for an invoice again, and the representative refused again. At this point, I ended the call. 
I called Mnet later that day to request proof of their ownership of the debt. I said, " Earlier today, I asked for an invoice. I would like an invoice to be sent to me. '' The response I received was, " And we told you we do n't do that. '' I responded, " Well I contacted an attorney about my rights, and I need to see proof of the ownership of the debt. '' At this point, the representative immediately disconnected the call. 

Weeks later, I received an invoice with a different amount than what the representative was asking for on the phone call. 

Mnet has continually used the tactic of misrepresenting the owner of the debt, and have added on additional fees to the balance even though the debt owner has not expressed in writing that these fees were legitimate charges or even expressed a description of the fees. 

While I was able to identify this, and not agree to simply continue paying them with no documented evidence that my payments, in their entirety, are being remitted to the actual debt owner, I have reason to believe that this company is taking advantage of other individuals who may not question the additional fees and charges, or even the validity of the debt.