Consumer complaint received 2022-05-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc. (NJ)

I have a collections debt from the hospital that came about due to a miscommunication with the charity care program. This debt was purchased by " REMEX inc. '' operating out of XXXX NJ. About a month and a half ago ( today is Monday XX/XX/2022 ) I receive a call from this company saying they're calling to collect a debt that was their first time attempting to make contact. Some unknown person called me claiming to be collecting a debt so I told them I would seek some legal advice before continuing. At no point since then and up until the moment of this complaint did they ever send me a letter of validation. They did not inform me of any account number, any of the debts owed, or my right to dispute through mail or e-mail. About two weeks later I receive a call again but I was at work and asked to be called later on in the day and they never called. Then on XX/XX/XXXX I get a notification from my bank that my credit went down XXXX points due to a derogatory mark from a long past due collection from " REMEX inc ''. Concerned I call them and get transferred to the " person in charge of my case '' " XXXX XXXX '' and she informs me that I am on a recorded line. She tells me that she put that mark on my credit but that they can remove it if I pay it off or make a payment plan right now. She says that there is also a second strike that she was going to put on my report but that if I set up the payment plan now that she wont do that ( which I just learned is a treat and predatory tactic which is illegal ). I tell her that I'm willing to negotiate on a settlement and she proceeds to tell me that " a lot of people say that you can negotiate but you're not allowed to '' ( which is a lie ). Desperate to repair my credit I tell her fine Ill just make a payment plan but you have to send me in writing or an email that she would remove the mark from my credit and she told me that it was against their " policy '' to do so. I told her that I was educated in the topic and that I am well within my right to request this and she was set on denying this to me even taking a disrespectful tone with me. After a few minutes of back an forth I requested to speak to her supervisor and she told me that her supervisors were XXXX XXXX and XXXX XXXX but when I asked to speak to one of them she tried very adamantly to redirect the conversation, cutting me off, telling me she doesn't know how to pronounce her supervisors name or spell it to avoid getting me in contact with them then tells me that she will transfer me, puts me on hold and then ends the call. I call back asking for XXXX XXXX the only name I was able to catch from the conversation and they fumble a bit and get me on the phone with XXXX XXXX. ( At this point im not sure if this is even who I am actually talking to as clearly lying seems to be a part of their " policy '' as well ) She tries to feed me the same line " its against our policy to tell you well take it off your report. '' At this point I have looked up the company and see that XXXX XXXX is the director and I request to speak to him about the matter as I am considering reporting them for their predatory tactics. She tried to avoid getting him on the line telling me he's not in the office and that I should call later. I wait and call later on and then she tells me that he's in a meeting and that they'll call back when he's free. I still have not received contact since then so I have moved forward with submitting my complaint.