Receivable Recovery Services, LLC

2019-11-09

Robertsdale, AL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-11-07

Bueche, LA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-11-07

Bueche, LA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-11-07

Bueche, LA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-03

Slidell, LA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-08-26

OH

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Complaint: Receivable recovery placed a account in my name that is not mine. I did not have this account and this account is not mine. I have never opened an account with XXXX XXXX. I never heard of a XXXX XXXX. This account was placed in my name fraudulently. It is listed a medical debt which is against the HIPAA laws to place on my credit profile and it needs to removed because it is a violation of HIPAA laws plus it isn't my account.
Company Response: Closed with explanation

Timely Response

2019-08-21

Slidell, LA

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2019-07-25

Baton Rouge, LA

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: I have mailed two certifed letters to Receivable Recovery Services , LLC requesting Validation of Debt and HIPAA authorization. RRS has responded to my letters twice but have failed to provide me with the requested information validating this debt. They have ignored my requests, yet this debt still shows on my credit report. I don't know how they are able to just ignore my request and violate the law as they have done. I have also sent a certified letter to XXXX, in which they stated they verified that this debt is mine and is being reported correctly, however during the verification process they still didn't send me anything with my signature to prove that they debt was mine. The debt is in the amount of {$190.00}. My questions to XXXX are : Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. Blacks Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
Company Response: Closed with explanation

Timely Response

2019-07-18

Dulac, LA

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
Company Response: Closed with explanation

Timely Response

2019-07-18

Auburn, AL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation isrequested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validationof the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate inbringing legal action against you and your client for the following : Violation of the Fair Debt CollectionPractices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must ceaseand desist. Also, during this validation period, if any action is taken which could be considereddetrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
Company Response: Closed with explanation

Timely Response

2019-07-17

Jonesboro, GA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-07-13

Gretna, LA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-05-22

Baton Rouge, LA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-04-22

South Florida, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: In 2013, at the age of XXXX I decided to open a account to receive XXXX for my XXXX initially I didnt need it but I felt like I wanted a more structured XXXX. when I went to the XXXX in XXXX XXXX The XXXX himself said the XXXX were not needed, since I wanted a straight, more structured XXXX obviously my treatment would be small and minute I still agreed to go through with my XXXX, upon signing up I was asked to pay from $ XXXX that would start the process is well as put the XXXX in my XXXX, every single appointment had to be paid In advanced Or prepaid should I say due to the fact that I was a college student and thats the way they did business, I had no problem with it with that being said I was seen about 4 to 5 times and every time I went to the XXXX I paid in advance they were aware that I was back-and-forth to college as well as them not having it alternative orthodontist for me to go to my College area I would have to call & reschedule my appointment in order for me to get to the city of XXXX to be seen by them, within Time in multiple rescheduling they attempted to collect money for me, but if I hadnt been seen or any procedure had been done in my mouth why would I pay them? There was no obligation so with that being said they decided to put me into collections without any notice or any warning, we can put them in collection they decided to place a debt in my name over {$2200.00}, Which is not owed to them in anyway shape or form no procedure have been done in my XXXX and everything that I have gotten from them had been pre-paid in advance. They never called, gave me a warning and or spoke to me about being placed a collection they have never tried/attempted to remove this off of my credit I have attempted to numerous occasions about reaching out to them trying to speak to the doctor herself etc. and they refuse to communicate with me they continuously forward me to a Debt collectors I am reaching out to you at the consumer financial protection bureau for help
Company Response: Closed with explanation

Timely Response

2019-04-08

New Orleans, LA

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: I noticed this company attempting to collect a debt after seeing my credit report. I do not recall ever getting a letter informing me of the debt so I sent a request for them to validate the data and amount for I had medical insurance and do not believe an outstanding debt was incurred. I have sent 2 requests, both by certified mail. I have yet to get anything from them validating this debt so they have ignored me twice yet continue to report such as I have just checked today. I don't know how they are able to just ignore me and violate the law as they have done and are doing.
Company Response: Closed with explanation

Timely Response

2019-04-02

Detroit, MI

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-01-31

Friendswood, TX

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-01-16

MS

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: RRS is assuming that the debt is mine due to my lack of dispute to their initial communication letter. However, according to the FDCPA, my lack of response is not an admission of debt. On XX/XX/2018, when I called the representative admitted to not having any documentation on file about the debts. Afterwards, RRS voluntarily ( without my knowledge or permission ) obtained my records from XXXX which included itemization of services that listed the labs I took, an XXXX " Acknowledgment of Receipt of Notice of Privacy Practices '' with my signature, an XXXX " Patient Information Sheet '' with my signature, and a copy of my driver 's license. None are these are CONTRACTS stating I take responsibility for the bill. Also, RRS violated HIPPA by obtaining my private medical information without my permission because they admitted to voluntarily obtaining my files. This means that RRS cant produce a HIPPA Release form where I gave them permission to obtain my medical services. RRS reporting their accounts to the credit reporting agencies, is illegal due to them using information illegally obtained. Theyre saying my disputes have no factual or legal ground, however with RRS having my medical file and information without me knowing especially after their representative stated they had nothing on file for me is a clear violation of the HIPPA Laws. RRS is aware of this violation and refuses to remedy the situation. They are now subject to up to {$50000.00} in fines per violation according to the HIPPA Guidelines. By continuing to report the information they are exercising illegal debt collection. Also, I checked with the hospital and they confirmed that there is a balance of {$0.00}.
Company Response: Closed with explanation

Timely Response

2018-12-22

MS

Incorrect information on your report

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

Account information incorrect
Complaint: XXXX continues to report two items on my credit reports from Receivable Recovery. I disputed both accounts numerous times but XXXX keeps reporting as verified. I called the Collection Agency at XXXX on XX/XX/2018 and the representative told me that their company does not have any documentation for the accounts they are reporting. This means that XXXX is not performing a thorough investigation and is being negligent and lazy. If Receivable Recovery has no files or documentation of the account number on file, then how are they validating and verifying the account? How is XXXX verifying and validating the account? This account should be deleted immediately from my file.
Company Response: Closed with explanation

Timely Response

2018-12-09

Kosciusko, MS

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-12-01

Galveston, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-11-29

Liverpool, TX

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: I sent a letter out XX/XX/2018 to verify this debt and I havent received any reply. I sent another letter out certified XX/XX/2018. It has been 30 days.
Company Response: Closed with explanation

Timely Response

2018-11-12

Berkeley Lake, GA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-10-15

Onekama, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This company has no validated this debt and I have not held a negative balance with this institution. This account with closed with a {$0.00} balance and company refuses to work with me.
Company Response: Closed with explanation

Timely Response

2018-10-12

Manhattan, NY

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response