Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: OH

Complaint narrative:
I am filing a formal complaint against RMP Services LLC, also known as XXXX XXXX XXXX, regarding multiple serious violations of federal and state law during their debt collection attempts. 

On XXXX, I received a collection notice from RMP Services LLC claiming I owed {$310.00} for a medical service from XXXX XXXX XXXX. My minor son is fully covered by two health insurance plans, and XXXX had both policies on file. There should not be an outstanding balance. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I mailed a certified request for full debt validation. I asked for : 1. Proof they owned or were authorized to collect this debt, 2. A certified copy of the original agreement or contract, 3. A full itemization of the charges - complete accounting, 4. forward low agreement 5. bill of sale, chain of assignment, bill of sale, 6. Documentation showing the debt is legally owed.

They failed to provide the requested validation. Instead, they mailed me : A generic statement of account showing my childs name and date of service, And an itemized record of medical treatment, detailing what my child was given during the visit. 

This disclosure of my minors private health information constitutes a HIPAA violation. They are a third-party debt collector, not a covered medical provider. I did not authorize the release of this information.

It gets worse : I searched the Ohio Secretary of States business database and RMP Services LLC is not registered to do business in Ohio. They do not appear under any known variation of their name. That means : They have no legal authority to transact business or collect debts from Ohio residents, They have no registered agent for service of process in Ohio, They are operating in violation of Ohio Revised Code 1703.29 through 1703.33.

Summary of Alleged Violations : FDCPA 15 U.S.C. 1692g : Failure to properly validate the debt HIPAA : Unlawful disclosure of protected health information of a minor Ohio Business Law ( ORC 1703.29 ) : Operating as an unregistered foreign business entity in the State of Ohio Requested Resolution : I want this debt invalidated and collection activity stopped.

I want the CFPB to investigate RMP Services LLC for operating across state lines without proper authority. 

I want their HIPAA violation referred to the Department of Health and Human Services for enforcement.

I want this company held accountable for noncompliance with federal and state law.

I am prepared to submit : -A copy of the debt collection letter, -Certified mail proof of my validation request, -Their written response showing HIPAA-protected health data XXXX -And a screenshot proving they are not registered to do business in Ohio. If you would like this information and the letter demanding documentation, please reach out to me and I will happily send them to you. 

How many other Ohioans have been affected by this company that is illegally doing business in this state? Many people have no idea to look them up in the business seach. 
Since they are not a registered entity, there is no registered agent on file to properly serve legal documents to.

Company response to consumer: Closed with explanation