Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Remex, Inc.
State: NJ

Complaint narrative:
I am formally disputing a medical debt collection claim from REMEX, Inc. ( Account # XXXX / Data # XXXX ) for an alleged balance of {$4000.00} plus added penalties. This claim represents an invalid consumer debt built on severe FDCPA violations, misrepresentations, and egregious provider administrative negligence. Wrong Debtor / False Representation ( FDCPA Violation ) : REMEX, Inc. is explicitly targeting an individual named XXXX for a $ XXXX balance. In response to my formal dispute, REMEX provided an internal patient ledger from XXXX XXXX XXXX that completely fails to validate this debt. XXXX 's name is entirely absent from the line-item charges except for a minor fraction ( approx. {$300.00} ). The overwhelming bulk of the ledger reflects clinical services and vaccine charges belonging to three entirely different individuals ( XXXX, XXXX, and XXXX ). Attempting to hold one consumer legally liable for thousands of dollars of medical debt belonging to other household members is a blatant violation of the FDCPA regarding deceptive and inaccurate debt representation. Unlawful Fees, Concealment, and the XXXX Late Fee " Smoking XXXX '' : The underlying provider quietly accumulated these charges over a 15-month period without ever notifying us of a billing issue, all while continuing to see my children for care. They then abruptly forwarded the account to collections, tacking on an unlawful {$800.00} collection fee ( a predatory 20 % surcharge ) and a {$10.00} late fee dated XX/XX/XXXX. Crucially, because no late fees were assessed for the first 9 months of services leading up to XX/XX/XXXX, the provider 's own ledger proves the account was held internally as " Insurance Pending '' and was never billed to us as a personal balance. The provider manually converted the account to personal responsibility only after realizing their own internal billing windows had expired. Under New Jerseys XXXX XXXX Medical Debt Relief Act, adding predatory collection fees beyond the medical principal is barred, and creditors are prohibited from initiating collection actions without first providing a 120-day billing window and formally offering a structured payment planneither of which occurred. Clerical Negligence & Insurance Misrepresentation : This entire balance stems from a self-inflicted clerical error by XXXX XXXX XXXX . The provider successfully billed our secondary insurance, XXXX, for my XXXX XXXX 's birth, but subsequently had a 1-year checkup claim denied solely because their billing staff entered a typo for his date of birth ( DOB ). Instead of correcting their data entry error and resubmitting to the carrier, the provider verbally assured us twice that our new XXXX XXXX XXXX coverage was accepted, which directly induced us to cancel our active XXXX policy. The provider then completely failed to submit any subsequent XXXX and XXXX claims to XXXX because their billing staff erroneously classified our commercial commercial XXXX XXXX XXXX XXXX plan as " XXXX. '' Because the provider blew past contractual timely filing limits due to internal data corruption and a fundamental misunderstanding of commercial insurance networks, they are now utilizing a third-party debt collector to illegally balance-bill the consumer for full, uninflated retail cash rates and unlawful surcharges. I request this unverified, structurally flawed account be closed permanently with a XXXX balance.

Company response to consumer: Closed with explanation