Consumer complaint received 2026-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: KY

Complaint narrative:
Complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX Preferred ( PDP ) and The Receivable Management Services LLC unfair, deceptive, and abusive acts and practices in connection with billing and debt collection. 
Account No. XXXX ( XXXX Member ID XXXX ) | RMS Reference No. XXXX| Amount claimed : {$460.00} I am XXXX XXXX XXXX. I am filing this complaint because XXXX ( XXXX ) has, over a period of months, engaged in a pattern of conduct that meets the definition of unfair, deceptive, and abusive acts and practices, culminating in the referral of an invalid {$460.00} balance to a debt collector, The Receivable Management Services LLC ( RMS ), by letter dated XXXX XXXX XXXX 
CHRONOLOGY For approximately twenty years I held XXXX XXXX XXXX drug coverage through XXXX, moving between the same two addresses in XXXX XXXX XXXX  every six months. In XXXX XXXX, when I attempted to fill a prescription, I learned XXXX  had disenrolled me without valid notice the result of its own failure to maintain accurate address records. XXXX refused to explain the disenrollment and told me my only option was to re-enroll, placing me in a more expensive plan. XXXX later acknowledged it caused the problem. XXXX initially denied that any phone calls about the problem existed, then later admitted finding records of calls made well before my termination. 
On XXXX XXXX XXXX, I married my long-term partner and became covered under XXXX  For Life, including prescription coverage. I immediately requested termination of both my supplemental and drug coverage. The supplemental policy was terminated promptly. The Part D disenrollment was never processed : despite repeated calls, the matter was bounced between XXXX and XXXX for months. The Social Security Administration stopped Part D premium deductions from my benefit effective XX/XX/scrub>XXXX XXXX XXXX, yet XXXX continued to bill me for coverage I had terminated, did not use, and did not need. 
XXXX sent me numerous contradictory letters, frequently mailed to an address where I would not receive them for weeks despite the fact that XXXX 's address record errors caused this dispute in the first place. XXXX claimed in writing that it sent letters to all addresses on file, then separately claimed it had only one address on file. Charges appeared and disappeared without explanation. 
XXXX billed me approximately {$1600.00} in charges. Only after a congressional inquiry was opened on my behalf through the office of Representative XXXX XXXX ( XXXX ) did XXXX withdraw that claim. XXXX representatives stated verbally that the remaining balance would not be pursued. 
On XXXX XXXX XXXX, notwithstanding those assurances, RMS sent me a collection notice demanding {$460.00} for premiums accrued after my XXXX XXXX XXXX termination request. I have disputed the debt in writing with RMS within the validation period.

UPDATE : On XXXX XXXX XXXX, RMS acknowledged my written dispute by email and placed the account on cease-and-desist status, stating it will await instruction from XXXX. The account has not been recalled and the invalid balance still stands. 
WHY THIS CONDUCT IS UNFAIR, DECEPTIVE, AND ABUSIVE UHC created the balance through its own errors, acknowledged those errors, made contradictory representations at nearly every point of contact, told me the debt would not be pursued, and then referred it to a collector anyway. Collecting amounts that are not owed, and making false or inconsistent representations in connection with billing and collection, are core examples of UDAAP conduct. I am an XXXX consumer who acted in good faith throughout ; I paid every amount I legitimately owed, and this matter was only ever partially corrected after congressional intervention. 
I hold extensive documentation contradictory XXXX letters and Social Security correspondence and will provide copies upon request or as attachments to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation