Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: TX

Complaint narrative:
Receivables Management Systems in XXXX XXXX, VA, is the company that posted the information to my credit. Below is what I have sent them and called them about several times, but they continue to allege the debt. I have email proof ( also below ) of me canceling insurance with XXXX XXXX, but they continue! 

Subject : Dispute of Debt - Account Number XXXX - XXXX XXXX Dear Receivables Management Systems, I am writing in response to your letter dated XX/XX/XXXX, concerning an alleged debt with XXXX XXXX XXXX, account number XXXX for {$510.00}. 

I unequivocally dispute this debt in its entirety. I do not owe XXXX XXXX XXXX ANYTHING. 

I canceled my coverage with XXXX XXXX XXXX prior to the end of the term and subsequently obtained coverage with XXXX XXXX. Therefore, there is no outstanding balance due from me to XXXX XXXX XXXX. 

This communication serves as a formal demand for you to cease all collection activities, including writing and emailing me, regarding this alleged debt. 

I expect this matter to be closed and for my name to be removed from any associated records and my credit reports! 

Here are the cancellation emails : Policy Cancellation Confirmation. 


This is confirmation that policy number XXXX is cancelled effective XX/XX/XXXX at XXXX XXXX 

If you have any questions regarding your cancellation feel free to contact us at ( XXXX ) XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please do not reply to this email this mailbox is not monitored. 
Please chat with us for assistance. 

XXXX XXXX is a brand of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. Automobile insurance is underwritten by XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, VA XXXX. Automobile insurance in Texas is offered by XXXX XXXX XXXX, XXXX and underwritten by XXXX XXXX XXXX or XXXX XXXX XXXX. XXXX XXXX XXXX is not an XXXX XXXX company. Non-automobile insurance products are offered by XXXX XXXX XXXX, XXXX and underwritten by our preferred providers. Products, prices, and discounts may vary by state, coverage and eligibility requirements. 


XXXX XXXX XXXX XXXX, XXXX. All rights reserved. 

About Us | Contact Us | Privacy Policy Elephant Insurance XXXX You XXXX  Log In Log In Policy Cancellation Confirmation. 


This is confirmation that policy number XXXX  is cancelled effective XX/XX/XXXX. As a result of this cancellation, you will be receiving a refund in the amount of {$420.00}. 

Please allow 7-10 business days for the refund to be processed. This amount will be refunded to the last payment method used. 



Refund Owed : {$420.00} Cancellation Date : XX/XX/XXXX XXXX  Policy Number XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please do not reply to this email this mailbox is not monitored. 
Please chat with us for assistance. 
XXXX XXXX is a brand of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. Automobile insurance is underwritten by XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, VA XXXX. Automobile insurance in Texas is offered by XXXX XXXX XXXX, XXXX and underwritten by XXXX XXXX XXXX or XXXX XXXX XXXX. XXXX XXXX XXXX is not an XXXX XXXX company. Non-automobile insurance products are offered by XXXX XXXX XXXX, XXXX and underwritten by our preferred providers. Products, prices, and discounts may vary by state, coverage and eligibility requirements. 

XXXX XXXX XXXX XXXX, XXXX. All rights reserved. 
About Us | Contact Us | Privacy Policy XXXX  XXXX

Company response to consumer: Closed with explanation