Updated on February 19th, 2025 Author: stopcollections | Editor: stopcollections

Consumer Complaints Against Receivable Management Services LLC

Disclaimer: The following content is a summary of complaints submitted to the Consumer Financial Protection Bureau (CFPB) by consumers. The information provided is intended to inform and educate consumers about potential issues and experiences reported with the mentioned entity. 

The following analysis is based on complaints submitted by consumers to the Consumer Financial Protection Bureau (CFPB). Our goal is to shed light on these issues and educate consumers about their rights. Below, we summarize the most common concerns raised about Receivable Management Services and provide actionable steps for those facing similar challenges.

Key Complaints Reported by Consumers 

Failure to Validate Debt

One of the most reported complaints is Receivable Management Services’ failure to validate debts. Many consumers have requested debt validation documents, as required by law, but received incomplete or no responses. This violation leaves individuals uncertain about the validity of claims against them. Under the Fair Debt Collection Practices Act (FDCPA), consumers have the legal right to request validation for any debt collected against them.

How to Take Action:

• Send a Validation Request in Writing: Always document your request for validation. Use certified mail so you can confirm receipt.
• File a Complaint with the CFPB: If no validation is provided, submit a formal complaint to the CFPB.
• Consult an Attorney: Seek legal guidance if the agency continues to ignore your requests. An experienced attorney can help hold the agency accountable under the FDCPA.

Unauthorized Reporting on Credit Reports

Several consumers also complained about unauthorized debt reporting on their credit reports. These reports were often made without prior notification or sufficient proof, leading to unwarranted credit penalties. Actions like these may violate the Fair Credit Reporting Act (FCRA), which ensures consumers’ rights to fair and accurate credit reporting.

How to Take Action:

• Dispute the Charge: Contact the credit reporting agencies (Equifax, Experian, TransUnion) to dispute the reported debts.
• Request Documentation: Ask Receivable Management Services to provide evidence verifying the debt.
• Leverage FCRA Protections: File a complaint with the CFPB or consult a lawyer if you discover any further misreporting.

Harassment with Repeated Calls

Consumers frequently report harassment through repeated phone calls from Receivable Management Services. Such calls were often described as intimidating and persistent, continuing even after explicit cease-and-desist requests. These actions breach provisions of the FDCPA, which prohibits debt collectors from engaging in abusive, harassing, or oppressive conduct.

How to Take Action:

• Document the Calls: Keep a record of call dates, times, and the nature of communication to present as evidence.
• Send a Cease-and-Desist Letter: Request that the agency stop contacting you. Again, use certified mail for proof of delivery.
• File a Complaint: If the calls persist, lodge a complaint with both the CFPB and your state attorney general’s office.

Identity Theft and Fraud Claims

Another critical issue raised by consumers involves identity theft and fraudulent claims. Victims reported receiving collections notices for debts they had no knowledge of or did not authorize. Resolving such cases can be arduous, but taking immediate action is crucial.

How to Take Action:

• Notify Credit Bureaus: Place a fraud alert or freeze on your credit file immediately with all three credit reporting agencies.
• File an Identity Theft Report: Complete an identity theft affidavit with the Federal Trade Commission (FTC) and submit a police report.
• Dispute the Debt: Advise Receivable Management Services of the fraudulent debt and provide supporting documents showing the theft.

Incorrect Debt Amounts Reported

Finally, numerous consumers highlighted issues with inaccurate debt amounts. These include cases of inflated debts or incorrect balances being reported and collected. Such errors not only compromise consumer trust but also violate federal laws under the FDCPA and FCRA.

How to Take Action:

• Request an Account Audit: Ask Receivable Management Services for a detailed breakdown of the debt they are collecting.
• Dispute Any Errors: Inform the agency and credit bureaus of the discrepancies and provide written documentation.
• Seek Legal Advice: If errors remain unresolved, legal intervention may be necessary to address the inaccuracies.

Free Legal Assistance for Victims of Debt Collector Violations

If you’re facing similar issues with Receivable Management Services, it’s crucial to know your rights and act quickly. You don’t have to deal with these violations alone.

How To Get Free Legal Assistance 

• Step 1: Reach out to our legal experts for a free consultation. 
• Step 2: Share your experience, and we’ll help assess whether your rights under the FDCPA or FCRA have been violated. 
• Step 3: If applicable, we’ll guide you through the process of filing a claim and stopping illegal collection practices.

Our legal experts specialize in protecting consumers like you from unfair debt collection practices. Take control of your situation today and assert your legal rights.

Contact us now for your FREE consultation and stop unfair debt collection practices in their tracks!

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