The Receivable Management Services LLC

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RECEIVABLE MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Amount : RECEIVABLE MANAGEMENT - XXXX XXXX XXXX XXXX XXXX : {$84.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount.…

I received a call from a XXXX who is a representative for Receivable Management in regards to an alleged debt that I owed. I asked XXXX for validation of this debt being that she called me stating that I owed the company. She was unable to validate the debt. I am requesting the following documents from this company to be provided to me in writing or via email at XXXX : XXXX XXXX : A copy of the original agreement or contract bearing your signature. Complete Statements : Historical records, including charges, credits, payments, and interest accrued. Chain of Ownership : Documentation proving the collector 's right to pursue the debt ( especially if the debt was sold to a third-party agency ). Also the Creditors license to collect debt in the state of Ohio Itemized Breakdown : Clear details of the principal amount, fees, the age of the debt, and the Statute of Limitations.Original Creditor Details : The name and address of the original company you owed the money to.

This debt collector has done unjustifiable practices of the XXXX which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the XXXX, XXXX entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This is very stressful. I am completely overwhelmed with XXXX due to this matter and i feel very violated. This is keeping held back from many oppurtunities that I have access to.

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

I am filing this complaint against XXXX and The Receivable Management Services LLC for systematic violations of the Fair Credit Reporting Act ( FCRA ) regarding the reporting of an invalid, un-verifiable collection account ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as shown in image.png ). 1. Inaccuracy of the Underlying Debt : The original creditor, XXXX XXXX, accepted full payment for this {$130.00} balance directly from me at the time I purchased a new insurance policy. Because this payment was made directly to the original creditor, any temporary assignment or authority given to The Receivable Management Services LLC to collect or report this debt was legally revoked and terminated. 2. Violation of FCRA Section 611 ( 15 U.S.C. 1681i ) Failure to Conduct a Reasonable Reinvestigation : I previously submitted a formal dispute regarding this trade line.…

To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount.…

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Debt collection of invalid customs brokerage charges no contract, misclassification, refused delivery I am being pursued by RMS debt collection agency for customs brokerage charges allegedly owed to XXXX. I dispute this debt in full for the following reasons : XXXX. I never contracted with XXXX. I paid for XXXX shipping when purchasing goods from a XXXX seller. The seller substituted XXXX without my knowledge or consent. I have no agreement with XXXX and never accepted their terms, brokerage authorization, or fee schedule. XXXX. XXXXXX/XX/XXXX customs broker misclassified the shipment contents as aluminum. The package contained skincare products. This error caused significantly inflated customs charges. XXXX. I refused delivery when presented with the erroneous charges. The goods were never in my possession. XXXX. The underlying tariffs that generated these duties were subsequently ruled unconstitutional by the Supreme Court.…

I recently pulled my credit reports and noticed an invalid account reported by you all. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

To Whom It May Concern, I am writing regarding a collection account being reported on my credit file related to an insurance balance originally owed to XXXX XXXX and now reportedly assigned to Receivables Management Services in the amount of {$170.00}. This account is being reported as an open collection. I am requesting a full review and investigation of this item, as I do not believe the current reporting is accurate or properly updated. I request that you provide validation of this debt, including documentation showing the original insurance balance, a complete account history, and proof of assignment to your agency. Additionally, I request clarification of why this account is being reported as open if it reflects an old insurance balance. Given the small balance involved and the circumstances surrounding this account, I respectfully request that you consider removing this collection from my credit reports as a goodwill adjustment.…

I'm not sure why! We change our insurance company when our policy window came to an end. We were told by XXXX XXXX ; they would drop us if we didn't pay. We were looking for another company at the time to lower our rates, which started to get out of hand. When the window ( coverage expired ) we went with another company. I called XXXX XXXX and told them what we did, and it seem to be acceptable. Receiving this claim today saying we owed them, started XXXX of XXXX until today ( XX/XX/year> ), for the amount of {$840.00} doesn't really make sense. I stopped their coverage sometime last year when the window of coverage expired. If XXXX XXXX failed to process our paperwork when they knew our coverage expired and I called them and told them we were changing insurance companies, that should be on them for failing to do due diligence. Therefore, we are totally disputing this claim.

RECEIVABLE MANAGEMENT acct # XXXX XXXX, placed a collection on my profile for {$200.00}. XXXX is the issuers & validation of this collection hasnt been met.

I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report

The debt was paid and the company said it would be removed in XXXXhours.

I am filing this complaint regarding The Receivable Management Services LLC for furnishing inaccurate and unverifiable information to my consumer reports. This company has reported a collection account to my credit file without ever first providing validation of the alleged debt, proof of authority to collect, or any documentation demonstrating that I entered into a contractual relationship with either the original creditor or this collection agency. To date, I have never received : A signed contract or agreement bearing my signature A complete chain of title demonstrating lawful assignment or authority to collect Documentation validating the alleged balance Proof that this account belongs to me Additionally, the information being furnished is materially inconsistent across the credit bureaus. The account is being reported under different account numbers and different addresses depending on the credit bureau being reviewed.…

I received a paid letter from the receivable management company with a paid in full status.

I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company attempted to collect debt never received a detailed bill, purchase agreement, dates regarding dispute. Only made aware after credit score took a hit company never made an attempt for me to validate and dispute this account since I have no bill or obligations to the receivable management services and so I was unaware this was an collection from a debt collector, I reached out to company and they have failed to provide documentation about this debt I have not heard anything from this company so they should remove account from record.

XXXX keeps reporting The Receivable Management Services LLC which is paid in full. CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear XXXX, I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : The Receivable Management Services LLC Amount : {$0.00} I am disputing this claim due to : The debt was paid in full and please delete from my credit report. I have uploaded correspondence from RMS. This is my formal request to have the aforementioned item removed from credit report. Enclosed is additional evidence to support my claim. Sincerely, XXXX XXXX XXXX.

Left over 300 voicemails per month since XXXX Found my new place of work and called my boss 's personal line on XX/XX/year>. I never listed this number or this place of business as my work place, as I was not working there at the time.

On XX/XX/XXXX, I refused an international XXXX shipment ( Tracking Number : XXXX ) and clearly notified XXXX via email that I did not accept the shipment and would not pay any import duties or fees. XXXX confirmed that the shipment would be returned to the sender. In early XX/XX/XXXX, XXXX failed to return the package and instead lost the shipment. A claim was filed and later approved ( Case # : XXXX ), confirming that XXXX acknowledged the loss. Despite this, XXXX issued an invoice dated XX/XX/XXXX for {$200.00} in customs duties and brokerage fees. The payment due date was XX/XX/XXXX. I did not pay this invoice because I never received the shipment and had already refused it. On XX/XX/XXXX, XXXX added a late fee of {$20.00}. In late XX/XX/XXXX, this incorrect charge ( total approximately {$220.00} ) was sent to a collection agency ( The Receivable Management Services LLC ).…

Re : Formal Dispute of Inaccurate Credit Reporting FCRA 623 ( a ) ( 1 ) ( A ) To Whom It May Concern, I am writing to formally dispute the accuracy of information your company has furnished to the credit reporting agencies regarding the account referenced below. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information is prohibited from reporting information to a consumer reporting agency if that information is known to be inaccurate. At this time, I have reason to believe that the account you have reported does not meet the standard of accuracy and completeness required under federal law. The information being reported is inaccurate and/or incomplete. I am requesting that you conduct a thorough investigation of this matter.…

NOTICE OF CEASE AND DESIST & DEMAND FOR VALIDATION Date : XX/XX/year> To : The Receivable Management Service Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT. This is a formal notice sent to you pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. I. CEASE AND DESIST ALL CONTACT Pursuant to 15 U.S.C. 1692c, you are hereby commanded to CEASE AND DESIST all communication with me regarding this alleged debt. I do not wish to be contacted by telephone, mail, email, or at my place of employment. XXXX. FORMAL DISPUTE & VALIDATION OF DEBT Under 15 U.S.C. 1692g, I am formally disputing the validity of this alleged debt in its entirety. I demand " XXXX of XXXX, " which must include : XXXX. Proof of Claim : An original " wet-ink '' contract bearing my signature as required by UCC XXXX XXXX XXXX.…

I am disputing a collection account being reported by Receivable Management Services LLC on my credit report in connection with an alleged debt from XXXX XXXX in the amount of {$1100.00}. I do not recognize this debt as valid, and the collection agency has not provided sufficient verification to establish that I am legally responsible for this obligation. This account is being reported as a collection while also listed as an open account, which is inconsistent and misleading. To date, I have not been provided with : - A signed agreement or contract showing I am responsible for this debt - A complete and itemized breakdown of the balance - Proof that the collection agency has legal authority or assignment of this debt - Documentation verifying the accuracy and completeness of the information being reported Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), all information reported must be accurate, complete, and verifiable.…

I am submitting a formal complaint regarding inaccurate, incomplete, and potentially unverified information being reported on my consumer credit file by Receivable Management Services. This collection account is currently reported as paid/closed, however the reporting furnished to consumer reporting agencies appears incomplete and does not demonstrate full data integrity or proper verification of all required account fields. The information being reported lacks sufficient supporting detail to confirm that it is accurate, complete, and not misleading as required under the Fair Credit Reporting Act ( FCRA ). Account in question : Date opened : XX/XX/year> Status : Paid, Closed Original balance : {$190.00} Highest balance : Not reported The tradeline is missing complete account data elements that are typically required to properly verify the accuracy and completeness of a collection account reporting.…

I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information.…

I requested validation of this debt and received documentation that contains conflicting and unclear balance information. The validation provided shows XXXX different amounts with no explanation of how the total balance was calculated. The XXXX final bill lists a total of {$220.00}, yet also states a total amount due of {$770.00}, without any itemized breakdown or explanation for the difference. Because the amounts are inconsistent and unsupported, the balance being reported can not be verified as accurate. Despite this, the account continues to be reported on my credit report. I am requesting that this account either be properly validated with a full itemized breakdown and clear explanation of all charges, or deleted from all credit reporting agencies

( RECEIVABLE MANAGEMENT ) This is a formal request for validation and proof of authority to collect on the alleged debt you claim I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). You are hereby required to provide all of the following documentation and me to receive them within 10 days of receiving this letter : XXXX. Proof that the alleged debt has been securitized ; XXXX. A complete copy of the purchase agreement or forward flow agreement, including all terms and conditions, Between your company and the original creditor ; XXXX. If you are acting on behalf of the original creditor, the fully executed agreement between your company and the original creditor, authorizing you to collect this specific debt ; XXXX.…

To Whom It May Concern, I am writing in response to your claim that I owe a debt allegedly associated with an account you say was opened on XX/XX/year>. This letter serves as a formal request for full validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). I am disputing this debt in its entirety and request that you provide complete documentation verifying its accuracy and legal ownership. Please provide the following : 1. The original signed loan agreement or application bearing my legally verified electronic or written signature 2. Full account history, including payment ledger and transaction records 3. Proof showing how the loan was funded and deposited ( bank account details used ) 4. Documentation of all communications allegedly confirming my identity or authorization 5. The name, address, and contact information of the original creditor ( XXXX XXXX XXXX ) 6.…