Consumer complaint received 10-02-2016 about Debt collection (Medical) with Road Runner Collection Services, Inc. (WY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hello, I would like to issue a complaint regarding a claim from the agency , Road Runner Collection Services. XX/XX/XXXX, I purchased a vehicle, and when my credit check was ran XXXX outstanding balance from XXXX XXXX showed up. Nothing else was on the radar. Then in XX/XX/XXXX, I downloaded an app from XXXX XXXX, when I did this, I was notified that I had XXXX lines of credit that were past due. XXXX of those lines of credit were linked to Road Runner Collection Services. When the claim was brought to my attention I contacted Road Runner Collection Services regarding the debt they believed I owed. They insisted that they were collecting on a supposed five year old debt for XXXX XXXX XXXX. During our conversation the collection agency insisted they had given me a 30 day notice, which they had not. Following our conversation I received a letter in the mail ( on XX/XX/XXXX ) that offered a very rough outline for the debt they believe I owed. The statement history outlined a large interest sum of {$1500.00} for a {$2600.00} debt. The debt was outlined in XXXX amounts with the interest added to the end. However, NO timeline was included ; the " creditor '' history did not state when they had begun collecting interest, or when they had assumed the debt from XXXX. When I talked to the collection agency, they said that the large interest sum was a result of a 10 % interest rate, but no timeline was provided to prove how long they had been collecting interest. When I asked about payment plans, the person I talked to insisted that I could not make payments. She also said I had to pay the debt immediately, " borrow money from a bank, friend, or family member. '' Then she saw that I had a credit card, and began to demand that I, " just give them the credit card '' for them to charge. I tried to discuss other payment options to reduce interest, and was told that if I paid for the debt " in full '' as a lump sum, they would remove the debt from my credit score. They also said that if I paid for the debt ( without interest ) by charging it to a credit card, they would accept that, but the debt would remain listed on my credit score. When I asked for a copy of validation, regarding my debt with XXXX, I was sent a copy of XXXX transactions that state a remaining balance. However, upon receiving the collection claim, I reached out to XXXX to investigate the validity of the claims. I was provided with a thorough account for the services I received in XX/XX/XXXX-XX/XX/XXXX. According to records, regarding my payment transaction history with XXXX, my charge history states a balance of {$0.00} for my procedures. After being informed that I had paid for my services in full, records do indicated that XXXX did in fact overlook some financial fees. However, since these fees had been overlooked for an extended period of time, they resolved to absolve the fees. To this day, records show that I do not have an outstanding balance with them, and when I spoke to them they stated that records show no attempts for collections made on behalf of XXXX.

Company response to consumer: Closed with explanation