Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: TX

Complaint narrative:
I have never received any type of written communication from XXXX XXXX XXXX. XXXX and to date I have not received any written communication from Receivable Management Group , Inc ( RMG ). This is my second request asking for VALIDATION of this alleged debt, as well as all the communication that both companies have alleged they have sent to me. Validation is a promissory note, or a contact bearing my original signature. The fact that this has not occurred by either company is a clear violation of my rights. I have never signed a contract or agreement with Receivable Management Group , Inc ( RMG ). Receivable Management Group, Inc ( RMG ) can not collect any amount of money that is not permitted by law or by agreement.

" The Fair Debt Collection Practices Act states that the debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained.

Whereas no relationship exists between Receivable Management Group , Inc ( RMG ) and me, and whereas I never signed a contract or agreement with Receivable Management Group , Inc ( RMG ), I cite Lack of Privity.

Just because an assignment clause exists in a credit agreement does not mean that it is sufficient to create a new obligation with Receivable Management Group , Inc ( RMG ). The assignment clause merely takes away the rights of XXXX XXXX XXXX, XXXX to collect if they decide to assign it to another company, in this case Receivable Management Group , Inc ( RMG ). Receivable Management Group , Inc ( RMG ) would then have to offer me a new contract, I would have to agree to its terms, and I would finally have to sign this new contract. If I have not signed a contract with Receivable Management Group , Inc ( RMG ), I owe them nothing.

I am again requesting proof of a contract between Receivable Management Group , Inc ( RMG ) and myself, bearing my signature, of a transaction or any services that this company has provided to me. If that information is not provided with the next response, I will turn this case over to my attorney for further action. To date, which is XX/XX/2018, I have not received any written notification from Receivable Management Group , Inc ( RMG ). This company is in Georgia and I am in Texas, it does not take over 10 days for mail to be received between the two states. I am requesting copies of the original written agreement between Receivable Management Group , Inc ( RMG ), such as the loan note or credit card agreement, or any type of agreement showing that they provided me a service for which they are due to collect on, preferably signed by me and a representative of their company. This information will be the same information, if brought to court ; they will have to produce to the judge. I am demanding a bill of sale, an assignment, or a receipt between the last creditor holding the alleged debt and Receivable Management Group , Inc ( RMG ). You must return all copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt or I will turn this matter over to my consumer rights attorney. 

I know my rights, and I am fully prepared to exercise them. You have already admitted in writing that this matter was turned over to you by XXXX XXXX XXXX XXXX. That is an admission that I have never done business with Receivable Management Group , Inc ( RMG ) and they have never provided me a service. Therefore, you have no proof. There was no meeting of the minds, a necessary element of a valid contract, no contract exists. Since there was no meeting of the minds between me and Receivable Management Group , Inc ( RMG ), which is a necessary element required to create a legal and binding contract between the two of us, your claim is repudiated.

So once again, I request the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Any insurance claims that have been made by any creditor regarding this account.

4. Verification that this debt was assigned or sold to collector.

5. Commissions for debt collector of collection efforts that is successful.

6. Proof that Receivable Management Group , Inc ( RMG ) is bonded/licensed to collect in Texas.

Receivable Management Group , Inc ( RMG ) continues to ignore my requests for this information. I am making careful note of our communications. Please provide the requested information. If you can not provide the requested information and you continue to report false, erroneous information on my credit report. I will file suit against your company!

Company response to consumer: Closed with explanation