Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
This is the information regarding the creditor. Allied Business Services is the collection company acting on behalf of XXXX XXXX XXXX. 

I am filing this complaint regarding the following hospital and the manager of their billing department. 

XXXX XXXX Accounting Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX On XX/XX/XXXX, I applied for XXXX XXXX through Family and Social Services. At the current time, I had insurance coverage through XX/XX/XXXX XXXX. I had recently relocated to Indiana to take care of my mother, who was having health issues. 

On XX/XX/XXXX, Indiana family and social services mailed me a letter of approval for XXXX coverage. 

On XX/XX/XXXX, XXXX. XXXX sent me an invoice for the first premium for XX/XX/XXXX XXXX. In this letter, they stated that my conditional eligibility date was XX/XX/XXXX. 

On XX/XX/XXXX, I was admitted as a patient into the emergency room at XXXX XXXX XXXX. At the time of admission, I provided the hospital with my XXXX XXXX information. I informed them that I had applied for XX/XX/XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX sent me a letter telling me that I could be eligible for community assistance. The letter made no mention of my existing XXXX coverage or my Indiana XXXX application. When I received the letter, I called the XXXX XXXX XXXX accounting department. I spoke with their financial counselor and explained that I had already provided my XX/XX/XXXX XXXX information when admitted into the emergency room. I also explained that I had already applied for XX/XX/XXXX XXXX and received my approval letter. She asked me to send her the approval letter fromXX/XX/XXXX XXXX. She told me that I should fill out the community assistance application anyway, in case there was a problem billing XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX sent me an invoice for {$2000.00}. 

On XX/XX/XXXX, I paid for my first six months of XXXX premiums. At that time, my Indiana XXXX became effective as of XX/XX/XXXX, and my XX/XX/XXXX XXXX terminated as of XX/XX/XXXX. 

On XX/XX/XXXX, I received another letter from XXXX XXXX XXXX telling me that I could be eligible for community assistance. Once again, I contacted the XXXX XXXX XXXX accounting Department and spoke with the financial counselor. I informed her again that at the time of my hospital admission, I had existing XXXX coverage through XX/XX/XXXX and that my XX/XX/XXXX XXXX was now in effect. She said she would look into the situation and call me with the resolution. She never called me back, so I assumed that the situation had been resolved. 

On XX/XX/XXXX, Allied Business Services placed a collection account on behalf of XXXX XXXX XXXX for {$2000.00}. 

On XX/XX/XXXX, I sent a letter to Allied Business Services, disputing the debt and informing them that I had XXXX coverage at the time of my hospital visit. I also notified them that placing a collection account on my credit bureau file without first notifying me is a violation of the Fair Debt Collection Practices Act. I asked them to provide me with documents to validate this collection account. I did not receive any response from Allied Business Services. The collection account has never been deleted from my credit bureau file. 

On XX/XX/XXXX, I sent a letter to XXXX XXXX, Accounting Manager of XXXX XXXX XXXX, detailing all of the events surrounding the account. I included copies of all of the relevant documents as attachments to the letter. Included in the attachments was a print-out from the state ofXX/XX/XXXX licensing Department website showing that Allied Business Services is not licensed to operate as a collection agency in the state of Florida, which is a violation of Florida state law. I requested that she remove the collection account from my credit bureau file. 

On XX/XX/XXXX, I received a call from XXXX XXXX, notifying me that she was in receipt of my letter and that she would look into the matter and get back to me. She also acknowledged that she was in receipt of all of the attachments regarding my XXXX account, as well as a copy of the application for financial assistance. I never heard back from her. 

On XX/XX/XXXX, I sent another letter to XXXX XXXX, notifying her that if the account was not deleted from my credit bureau file immediately, I would file formal complaints with all of the appropriate agencies. As of today, nothing has been removed from my credit bureau file, and I have not received any response from XXXX XXXX XXXX regarding the situation. 

I am filing this complaint against XXXX XXXX XXXX and requesting an investigation by the Consumer Financial Protection Bureau. I am also filing a separate complaint today against Allied Business Services regarding their illegal collection activity. 

According to the Consumer Financial Protection Bureau complaint database, Allied Business Services has multiple complaints that have been filed against their company. 

I am also filing formal complaints today with the Office of the Indiana Attorney General, Office of the XXXX Attorney General, and the XX/XX/XXXX

Company response to consumer: Closed with explanation