RMB, Inc.

2018-11-06

Charlotte, NC

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: I made monthly payments to RMB Inc. only for them to send my account to the credit bureau. I requested with XXXX on XX/XX/2018 to get set up on automatic draft. XXXX from RMB Inc. confirmed that I was set up on automatic draft and that everything was current. 2 days later I am notified that they reported my account to the credit bureaus. I contacted RMB Inc 9 times on XX/XX/2018 to speak with a manager. Every representative sent me to a XXXX 's voicemail. I started my first call at XXXX XXXX and ended my last call right before they closed at XXXX XXXX. The representatives were very rude, XXXX, XXXX, XXXX, XXXX, XXXX were all unhelpful. When I left my voicemail I requested someone call and leave a message and email me if they get my voicemail. I haven't received any communication or contact with a manager at RMB Inc.
Company Response: Closed with explanation

Timely Response

2018-08-01

Charlotte, NC

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: XXXX is showing a collection item on my credit report however I have never had a contract or agreement with the company listed RMB INC XXXX XXXX Account # XXXX {$3200.00} Company has never contacted me in regards to any bill contract or agreement
Company Response: Closed with explanation

Timely Response

2018-07-06

Charlotte, NC

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-01-05

Jersey City, NJ

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: On XXXX XXXX, I contacted the company to change my monthly payment. I do not have any email correspondence or letters from the company. They asked all customers to sign up on their website to make billing Arrangements. Their website is not secure. The login page is unencrypted according to XXXX XXXX. Login URL is XXXX, not XXXX as it should be. I question if they are really processing my debt. I 've made {$200.00} payments monthly for 5 months for an ER visit in XXXX, Florida. Their website is XXXX for RMB Inc. Their phone number is XXXX.
Company Response: Closed with explanation

Timely Response

2017-12-14

Charlotte, NC

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: RMB Inc have still not removed the collection from my credit file, which was placed which I was filing for state assistance. I have contacted XXXX XXXX, they did not tell them to place this account on collection to credit reports! They asked them to hold the account!
Company Response: Closed with explanation

Timely Response

2017-12-08

Charlotte, NC

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: Good day, I received a notice via email that a collection had been placed on my credit file and the name attached was RMB Inc. I immediately went to the Internet to research the company and the phone number.I reached out to the company and spoke to XXXX. She verified me and said that a 1st and only letter was sent XX/XX/XXXX but that XXXX XXXX had told them to put the account on hold and it had been put on hold because I had requested financial assistant .I agreed! I never heard back from RMB. I filed for assistance and made several payment to Novant health. XXXX claimed XXXX tried contacting me but ( not true regarding application ) all the times I spoke to them, we never discussed my application. But I found out via email that they had already placed the account on my credit file. As of XX/XX/XXXX, RMB placed on collection on my credit file. As of XX/XX/XXXX, I had not received any denial letter from Novant health. I received a letter XX/XX/XXXX from XXXX XXXX stating that my application for financial assistance have been reviewed and did not meet the requirements Because I did n't send all the information in a timely matter, but if I receive a request for payment in the next 6 months, please contact the billing office to advise if there have been any changes in my financial situation. This letter was received in my mail XX/XX/XXXX and RMB had already placed my account for collection. They never contacted me with any payment plan, arrangements, or settlement. All they needed to do was contact me, tell me, XXXX said my application was denied and now collection procedures will start. They never gave me the option to pay them, make a settlement or even to make a payment plan, they just place the collection on my credit file with no responses or communication beside one letter XX/XX/XXXX, which they were told to hold the account!! I have never denied paying this bill, I asked for help, which is the law and my right to do so, without some greedy collection agency going straight for my credit file. I have good credit, I pay my bills, now they have affected my credit without knowledge of why, without giving me my right to pay them first. My denial letter is dated XX/XX/XXXX, How can this be already on my credit report. I am requesting for it to be removed and for me to be given a 30 day notice again from the date of my denial letter and the lawful right to make a payment plan with this company. They violated my rights. Everyone just do n't haave {$600000.00} to pay right away on a hospital bill. This is why a collection company collects, by giving you as chance to pay the bill. If not they should not be collecting funds from anyone!! They are rude and nasty and have mistreated so so many. I will not stand back and let them mistreat me. I pay my bills and they have violated my credit rights by not giving me a chance to settle this bill before they affected my credit. I asked RMB to remove this debt and contact me directly, now that I have been denied assistance, I want to settle this and they have refused to remove the debt. I am willing to pay them when this is done the correct and lawful way. Remove the collection and contact me!
Company Response: Closed with explanation

Timely Response

2017-10-23

Charlotte, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: RMB is reporting a debt in the amount of XXXX on my credit reports. I did not authorize this account nor do I accept responsibility for this debt because it is a result of identity theft. I have disputed this debt with the credit bureaus and have sent the police report but they still continue to report this account which is very damaging to my XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2017-08-31

Colts Neck, NJ

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: XX/XX/XXXX XXXX, XXXX, XXXX calls multiiple times a day every day one right after the other
Company Response: Closed with explanation

Timely Response

2017-06-20

Allenwood, NJ

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: I got a Final Notice in the mail today from RMB Inc, stating that I have chosen to ignore their previous communications for a debt collection in the amount of {$670.00} ( for XXXX XXXX XXXX XXXX, ie XXXX XXXX XXXX, rendered on XXXX/XXXX/XXXX ), which is false. Not only did I pay what they said I owed in the amount of {$490.00}, but I promptly corresponded each time I received a notice. On XXXX XXXX, I mailed out a letter to their XXXX address ( at XXXX XXXX XXXX XXXX ) attempting to dispute the validity of the debt, as I contacted their billing offices upon receiving their bill, and in which XXXX XXXX XXXX XXXX stated that they would accept a 40 % prompt pay discount in full in consideration of my uninsured status ( as paid on XXXX/XXXX/XXXX ) ; RMB Inc ignored this letter and sent another debt collection notice. I 'm enclosing proof of payment as well as the bill and email regarding billing, saying it would be resolved. The date of the emergency care was at a time too where, to my knowledge, my XXXX insurance was still active. I am now covered by XXXX XXXX XXXX ( XXXX XXXX XXXX plan ). Thank you for helping me resolve this matter.
Company Response: Closed with explanation

Timely Response

2017-05-15

Eight Mile, AL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I checked my XXXX Credit report and I seen this company pop up as a open account RMB INC with Huntsville Hospital it states that I owe money and it made my credit score drop it was reported not just once but 3 times on my credit report with only XXXX of them stat ed that it was included in Bankruptcy but the other XXXX was not reported in bankruptcy. I attempted to contact the company two times with no results I even left messages on Friday XXXX the XXXX XXXX at XXXX in the morning they transferred me to the manager no answer and I left a message for him to contact me. I waited nothing I called back on Saturday XXXX XXXX left a message no reply. I contacted my lawyer and legal charges will be filed if they do n't removed this off my credit report
Company Response: Closed with explanation

Timely Response

2017-04-12

Bueche, LA

Improper contact or sharing of info

Debt collection: Medical

Talked to a third party about my debt
Complaint: My sensitive info was shared w ith 3rd party. HIPPA VIOLATION
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-05

AL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: Debt was paid to delete from credit bureaus
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-30

Chandler, AZ

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

Rockwell, NC

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Complaint: I incurred a medical bill due to the deductible being owed, which I do not dispute. Prior to the XXXX, I was contacted about paying the deductible, which I did not have in full at the time so I paid {$500.00} of an approximate {$3900.00} deductible. After the completion of the procedure, I received the invoice for the balance and immediately contact the hospital billing department to make payment arrangements. Of an approximate {$3400.00} bill, I agreed to pay {$250.00} per month until the bill was satisfied. I made approximately XXXX payments of {$250.00} when suddenly I got a collections notice from a debt collector. I immediately contacted the debt collector, and expressed my disappointment that the bill had gone to collections, especially since I had been making the substantial {$250.00} per month payments. Nevertheless, I assumed responsiblity for the bill, and agreed to a payment plan of {$200.00} per month until the debt was satisfied in full, or of which time I was able to take advantage of a reduced offer of settlement. After XXXX payments, I happened to check my credit report, and noticed this account was reported as delinquent, and it had negatively affected my credit to the tune of almost XXXX points. I was never notified either by the hospital ( the debt owner ) nor the collections agency, that my credit might be negatively affected. And, since I had been make regular substantial payments on a debt that would have been satisfied within a year, it never even occurred to me that that might be the case. I was never late with any payments. I never disputed the debt, and did assume responsibility, and had been making regular substantial payments. Since, I was never informed that my credit might be adversly affected even in the wake of making substantial and regular payments, I feel I was deceived by the collection agency, as well as, the hospital that was the original owner of the debt. In fact, on several phone calls, I even brought attention to the fact of my desire not to have this situation negatively affect my credit rating. At no time, was I informed that this was even a possibility and was completely taken by surprise at the negative impact this debt had take on me personally. I feel the hospital and collection agency acted in bad faith, in accepting a payment plan that would have eliminated the debt in realistic time, but never advising me that payment plan would still result in a negative report on my credit. Otherwise, I would have paid much less per month as would have been less of a burden to me. However, in an effort to satisfy the debt as quickly as possible, and not be negatively affected in my credit report, I made payments in much larger amounts than was comfortable for my family and our monthly expense ratio.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-24

NC

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Complaint: I have been making payments to the hospital every month I have proof! They have collected almost XXXX from insurance and I 've paid over XXXX and they still sent me to collection. I 've received 17 phone calls in one morning! What should I do? I 've been paying the hospital directly
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-09

Clermont, FL

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: through my own investigation I found the Original Debt is from XXXX claiming I had a balance due of {$1300.00} not covered by my medical insurance from my child 's hospitalization on XX/XX/XXXX. I am Still disputing billing practices by the hospital and medical coverage. The debt collector RMB INC not only has failed to respond to certified DEBT VERIFICATION requests. They have changed the activity date to " re-age '' the account. The latest date list the account active as of XX/XX/XXXX. I have only communicated with RMB INC once when I sent a debt verification request. I have not had any other communication with the original creditor or debt collector since XXXX. in reference to the debt verification RMB INC has not provided me with a response for the following requested information : 1. What the money they say I owe is for ; 2. Explain and show me how they calculated what they say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Prove that they are in the same State and County where this allege debt was incurred ; 8. Show me that they are licensed to collect in my state ; 9. Provide me their license numbers and Registered Agent. These questions should be answered also : 10. Who is the current owner of this alleged debt? 11. Who is the original creditor for this alleged debt? 12. If RMB INC is the current owner : a. When was it purchased? b. Who was it purchased from? 13. Have you assigned the alleged debt to another entity for collection? If so, who? 14. If B INC has sold or otherwise transferred this alleged debt, to whom was it sold and when? 15. Proof of last day of activity
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-29

Three Bridges, NJ

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Complaint: RMB Inc., XXXX XXXX XXXX XXXX, XXXX, TN XXXX, telephone number XXXX is attempting to collect a debt for client XXXX XXXX XXXX when I am making payments to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX for all of my open accounts. I am Social Security XXXX recipient and under medicare.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-31

Shallotte, NC

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

KY

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: I paid a medical bill to XXXX XXXX on XXXX/XXXX/16. I received a letter the end of XXXX dated XXXX/XXXX/16 stating that my account was past due. I contacted and faxed proof that it was paid and have now received a notice from a collection agency, RMB , Inc . I contact them and tried to explain that this was indeed paid and the gentleman was very rude. I have called XXXX XXXX again and faxed everything again. Was told that the girl that handle credit card payments was on vacation.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-13

Royal Palm Beach, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-08

Gastonia, NC

Communication tactics

Debt collection: Medical

Threatened to take legal action
Complaint: I accrued medical bills from XXXX XXXX and XXXX XXXX system after an illness in XX/XX/XXXX and have been making monthly payments of between {$50.00}. and {$200.00}. per month to XXXX XXXX depending on how much I can afford each month.The original bill from XXXX was for {$1500.00} and my first bill was due in XX/XX/XXXX. I paid {$50.00}. in XX/XX/XXXX, {$100.00}. in XX/XX/XXXX, {$180.00} in XX/XX/XXXX, {$100.00}. in XX/XX/XXXX, and {$200.00}. in XX/XX/XXXX despite not receiving a bill in XX/XX/XXXX. My current balance is {$900.00}. and I expect it to be paid off by XX/XX/XXXX now that my other medical bill ( XXXX Healthcare system ) is paid in full. All bills were paid before due date. None were late! Today I received a letter from a collection agency for my unpaid balance affecting my credit. It would be another story if I were making minimal or late payments but that is not the case. This is n't right!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-16

Casselberry, FL

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-27

AL

Disclosure verification of debt

Debt collection: I do not know

Not disclosed as an attempt to collect
Complaint: A man called from a company called RMB - which I am not familiar with - and asked me to verify the last XXXX digits of my social security number. I asked why. He said " it is a personal matter. '' He told me the last XXXX digits of my social and again asked me to verify that those were mine. I again said, " why do you want to know? He said, " it is a personal matter. '' I told him I would not verify, so he hung up. My husband called the number and spoke with someone there who would still not disclose why they called me. Or what the business matter was. I only know they are a debt collector because I looked up the company online. At no point did the caller identify himself as a debt collector and he revealed my personal information without verifying who he was talking to. I am wondering if this company is legit.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-15

Chattanooga, TN

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-01

Sanford, FL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response