Consumer complaint received 2021-07-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (TX)

I first heard from Receivables Management Systems around a month ago as I got a letter they sent me. This was the first letter I have ever received from them, the first time I was EVER aware that XXXX XXXX claimed that I owed them money. I did not receive any text messages from XXXX XXXX to my phone nor did they ever contact me about the debt EVER. 

This collection agency LIED about contacting me previously and they falsely claim that they are under no obligation to confirm the debt. This is a LIE, because I called them THE SAME DAY that I found their letter in my mailbox, which is the first they have EVER contacted me. 

I called them and spoke to someone who was trying to lie to me and tell me that the burden is not on them to produce evidence of any debt. 

From that day I had been planning to call XXXX XXXX and confirm the debt myself but I was in the process of switching bank accounts. And now after I have finally received my debit card and transferred all the money from my old bank to my new back ( which clears the account tomorrow ) I was going to call XXXX XXXX as soon as it clears. 

The reason for this complaint is today I received another letter from Receivables Management Systems where they LIE AGAIN and say that they are under no obligation to investigate the debt under the Fair Credit Reporting Act because it has been thirty days since they notified me of the debt. This is false. They claim it has been over 100 days and I literally called them THE SAME DAY I received their letter. 

This is fraud. This company is engaging in fraudulent lies and I will not stand for this. 

This complaint is simply to report a business engaging in FRAUD. They wrote me a long winded letter saying that they have no obligation under the FCRA but did investigate it as a courtesy. This is not a courtesy, they are a bunch of liars. 

The woman on the phone used this lie to try to extort money from me over the phone and then when I told her I disputed the debt she said I can not dispute the debt. 

She copped an attitude with me and I had to resort to telling her I know my rights and I know that if I say the debt isn't mine they have to verify it. 

The other problem with this is the alleged debt is for {$40.00} and they are claiming double that as interest added. This is absolutely absurd and neither this company or XXXX XXXX has EVER ... EVER contacted me about this. NOT EVEN ONCE. 

I intend to call XXXX XXXX  tomorrow to get to the bottom of this and if I indeed do owe them money I will pay it but I am not paying double the amount I owe because of some criminals who want to get double the money out of me claiming they've contacted me before when they never have. 

I moved from XXXX to XXXX and they sent me a letter to my new address last month and they claim the debt is from 2020. They had PLENTY of time to contact me esp. by phone and ON ONE EVER HAS. 

I want these people to stop harassing me trying to extort money out of me. Like I said I will pay XXXX XXXX what I owe them if I indeed owe them money, I WILL retain a receipt from paying them and I want these frauster criminals to never contact me again or XXXX XXXX they put something erroneous on my credit report.