Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Receivables, Inc.
State: TX

Complaint narrative:
Due to a medical XXXX, I am filing this complaint regarding a debt placed with Collection Receivables by XXXX XXXX XXXX. Despite being eligible for cancellation under a medical exemption clause in my signed contract, my account was forwarded to collections and is now damaging my credit. I made repeated attempts to cancel and submit medical documentation, all of which were ignored or dismissed, even after being told I could submit documentation at any time. 

Timeline and Key Facts : On XX/XX/XXXX, I signed a 12-month agreement with XXXX XXXX XXXX 

I was XXXX in XX/XX/XXXX and was medically unable to participate in services. 

I sent a cancellation request on XX/XX/XXXX and another on XX/XX/XXXX. 

XXXX XXXX confirmed receipt of the XXXX email, then acknowledged the XXXX email on XX/XX/XXXX, stating I could submit medical documentation " whenever I am able. '' I submitted the required doctors note on XX/XX/XXXX to XXXX XXXXXXXX and followed up on XX/XX/XXXX and XX/XX/XXXX with no response. 

I was then told that I would need to dispute the matter with Collection Receivables, so I sent an email to them on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from XXXX XXXX at Collection Receivables stating that my doctors note " would have needed to be presented before [ my ] account came here to collections '' and that it was " well past that time. '' This email was the first mention of a deadline, and it dismissed my documentation outright. The message also said I was very lucky to have received a payment plan and discount, despite my not owing the balance per my contract. 

When I first contacted collections, I was told my balance was {$2800.00}, even though the full contract amount including twelve XXXX XXXX  monthly payments and the {$0.00} enrollment fee totaled {$1800.00}. 

After what was referred to as a discount, I was told my new balance would be {$2100.00}. I began a payment plan and have made every payment on time, yet I still owe {$1100.00} which is over 20 % of the original contract total for services I was medically unable to use. 

I submitted my documentation in good faith and met the conditions outlined in the contract. This debt should have been canceled, not sent to collections. 

Despite following their instructions, my account was sent to collections. I began receiving persistent calls from Collection Receivables even after informing them I couldnt speak during work. They also contacted multiple family members, which felt invasive and unnecessary. 

Additionally, I have an email from XXXX at Collection Receivables ( XX/XX/XXXX ) confirming I could send documentation or written consent " at any time. '' This directly contradicts their later claim of a deadline. 

Violation of Contract Terms : The signed agreement with XXXX XXXX explicitly stated that in the case of permanent medical inability to participate in the program, cancellation without penalty was allowed upon submission of appropriate documentation. I fulfilled this requirement and acted in good faith by submitting my doctors note. Additionally, XXXX  own representative confirmed via email that documentation could be submitted at any time, nullifying any claim of a missed deadline. 

XXXX never responded to my initial cancellation request, and I continued being charged. I had no choice but to freeze my card. They only acknowledged my cancellation after the matter had already been forwarded to collections. I also informed Collection Receivables on the phone that I had a medical XXXX, yet they continued to ignore what the contract outlined. 

When I spoke with a representative from Collection Receivables, I was told that if I didnt make a {$500.00} down payment that same day, I would no longer be eligible for a payment plan and would be required to pay the full balance. They also warned that not paying could negatively impact my credit score. I felt pressured and intimidated into paying a balance I should not have owed based on my contract terms. 

During this time, I was also dealing with the death of a close loved one, which understandably caused delays in my ability to follow up. As a full-time college student navigating both grief and medical issues, this situation became overwhelming. Despite that, I have now submitted all the required medical documentation in good faith. 

Attachments Provided : Copy of signed contract showing medical cancellation clause Emails with XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX Submitted doctors note ( XX/XX/XXXX ) Email from XXXX XXXX XXXX XXXXXX/XX/XXXX ) acknowledging prior cancellation Email from Collection Receivables ( XX/XX/XXXX ) stating I could submit documents at any time Email from XXXX XXXX ( XX/XX/XXXX ) stating there was a deadline I have acted in good faith and followed all instructions I received. I respectfully request that this matter be reviewed and resolved fairly based on the documented facts.

Company response to consumer: Closed with explanation