Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Ingenuity RM, LLC
State: ND

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against Ingenuity RM , LLC and their attorney, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  for unethical and unlawful debt collection practices. 

This company has been harassing me over a debt that was never valid. The debt is from an ambulance bill from XXXX, which was fully covered under my XXXX insurance. At the time of service, I gave the ambulance company my XXXX card and drivers license as requested. The billing error was made by the ambulance provider, not by me. 

I have official proof showing I had active medical coverage at the time of service, but Ingenuity RM and their attorney refused to review or accept my documents. They ignored my proof completely and treated me poorly during all communications. I was lied to multiple times by both the debt collection company and their attorney. They made false statements about what was filed, what the court required, and about my communication with them. 

In XXXX, Ingenuity RM , LLC had the XXXX XXXX Sheriff come to my home and serve me with lawsuit papers for this same invalid debt. At that time, I was preparing for and recovering from a major XXXX XXXX, and I was unable to deal with legal matters due to my medical condition. Despite knowing this, they continued their actions. 

I am a low-income individual on XXXX XXXX XXXX housing , working part-time, and still recovering from my XXXX XXXX. The company and attorney were aware of my financial hardship but continued to pursue this collection in a forceful and deceptive manner. 

In XX/XX/XXXX, they started contacting me again by phone. I explained repeatedly that this was an insurance billing error and not a personal debt. I refused to make payment arrangements and asked them to investigate, but they continued their collection efforts. 

On XX/XX/XXXX, they mailed me a Notice of Garnishment, which I received on XX/XX/XXXX. That same day, I emailed both Attorney XXXX XXXX and XXXX XXXX from Ingenuity RM , LLC to dispute the debt, explain that I had XXXX coverage, and inform them that I planned to file a hardship claim with the court. 

On XX/XX/XXXX, I went to the XXXX XXXX XXXX in XXXX, XXXX, and filed a Claim of Exemption / Hardship Request, asking the court to stop the garnishment while the matter was reviewed. 

On XX/XX/XXXX, the court clerk, XXXX XXXX, emailed both me and Attorney XXXX confirming a court hearing date for XX/XX/XXXX. 

Even though all parties knew a court hearing was already scheduled, XXXX  XXXX and XXXX XXXX still filed a garnishment on XX/XX/XXXX, and my employer took money out of my paycheck on XX/XX/XXXX. This was done while my hardship motion was pending and before a judge could rule on the case. It was done in bad faith and was completely improper. 

I later received a confusing letter postmarked XX/XX/XXXX, but it did not arrive until XX/XX/XXXX. When I went to the courthouse on XX/XX/XXXX, the clerk confirmed that the letter was not a court order or hearing noticeit was only the attorneys request to appear by phone. This shows they acted deceptively and tried to mislead me. 

I repeatedly asked for a signed contract proving I personally owe Ingenuity RM , LLC, but they refused and responded rudely, saying Thats neither here nor there. They never provided a single document showing I owe them directly. 

Most of all, I can prove with documentation that I do not owe this debt and that any billing error came from the ambulance company, not me. Despite this proof, I was ignored, lied to, and treated unfairly. 

This company and its attorney pursued collection and garnishment knowing : The debt was disputed and invalid ; I had proof of medical coverage at the time of service ; A hardship claim was filed and pending before the court ; A hearing date was already scheduled ; and I was a low-income individual recovering from major XXXX XXXX. 


Their actions were dishonest, deceptive, and abusive under the Fair Debt Collection Practices Act ( FDCPA ). 

I am asking the CFPB to investigate this company and its attorney for : Trying to collect an invalid and unverified debt; Garnishing wages while a court hearing was pending; Refusing to validate the debt and ignoring medical coverage proof ; Lying and misleading me multiple times throughout the process ; and Using deceptive and unethical communication practices. 


I request that Ingenuity RM , LLC and their attorney be required to : 1. Stop all collection and garnishment activity immediately ; 2. Return all funds taken from my paycheck ; and 3. Be investigated and held accountable for their unfair and unlawful debt collection practices. 



I have full documentation, including my XXXX proof, emails, court filings, pay stubs, letters, and postmarked envelopes supporting every statement above.

Company response to consumer: Closed with explanation