Complaints

This profile includes complaints for Receivables Management Systems's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Receivables Management Systems

  1807 Huguenot Rd Ste 118 Midlothian, VA 23113-5604

  
• 

  Receivables Management Systems

  PO Box 73810 N Chesterfld, VA 23235-8047

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:12/20/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Are these people legitimate? They certainly didn't do enough to convince me over the phone. Anyone can spoof a number and claim to be someone else; that's frighteningly easy these days. So when I receive multiple calls from Potential Spam, if I call back at all it's to tell them to take me off their call list. I shouldn't have to go scouring the internet to prove their legitimacy when they called me first.

  

  Business Response

  Date: 01/02/2024

  We are a third-party debt collection agency, attempting to collect a debt on behalf of our client. We have attempted to contact this consumer multiple times without success and have sent multiple letters to the address provided by the client. Not sure what this complaint is asking for, but please contact our office directly at ************ for payment options. 

  Customer Answer

  Date: 01/02/2024

  Better Business Bureau:
  
  I have reviewed the offer and/or response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I am not satisfied with the provided solution because: the number you provided is incorrect. ************** is a private citizen's number, who has stated that Receivables Management Solutions has incorrectly handed out their number multiple times.

  Since I have received a response to my original complaint, I am at least somewhat more confident that Receivables Management Solutions is a legitimate company. My original complaint was that I could not confirm the company's identity when they reached out to me via phone, as they were listed on my caller ID as "Spam Likely." While it may be unwise on my part, I do occasionally answer these calls in order to ask companies to add me to their Do Not Call lists.

  Regarding other attempts at communication: paper mail is not a very good way to reach me. If you provide an accurate phone number, I will gladly reach out to settle any legitimate debt. In the spirit of cooperation, please also be advised I can be reached at my personal email, ******************
  
  Regards,
  
  *********************************
  
  
  
  
  

  

  Business Response

  Date: 01/05/2024

  The phone number is ************, or ************.

  Customer Answer

  Date: 01/05/2024

  [A default letter is provided here which indicates your acceptance of the business's offer.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the offer made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.

  The phone number provided this time was correct. The representative I spoke with was much more helpful than the obtuse representative I had previously worked with. I have also attempted to provide the representative I spoke with an updated mailing address, though phone or email remain the best ways to reach me.
  

  If the company does not perform as promised I can get back to you at: **********************************************.
  
  Regards,
  
  *********************************
  
  
  
  

• Initial Complaint

  Date:11/30/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  im not a liable to for this debt with RECEIVABLES MANAGEMENT system ,i do not have a contract with them they did not provide me the original contract as i requested

  

  Business Response

  Date: 12/04/2023

  We are a third-party collection agency, collecting on behalf of our client. There would be no contract between us and the debtor. Also, this account has been paid in full by the debtor. 

• Initial Complaint

  Date:11/17/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  RECIEVABLES MANAGEMENT SYSTEMS is report a account#############**** from elephant insurance on my credit report in the amount of $113.00 that i do not owe. They have never provided me with a contract or any other documentation that is verifiable evidence that I owe them.Using as a example ****************************** vs. LIBERTY MUTUAL INSURANCE COMPANY. 1 Mass. App. Ct. 569 February 21, **** - November 30, **** Suffolk County.And it says: To the limited extent to which it is set forth in the declaration the transaction before us is similar to that in the ******* case. There the insured was offered a plan under which the annual premium could be paid in ten instalments with a down payment of ten percent plus a flat monthly service charge. If an instalment were not paid when due, the sole remedy available to the insurer was cancellation of the policy. Indeed, in the event of cancellation for any reason, the insurer could make no claim for any premium earned for coverage already provided but not paid for by the insured. The court concluded that the insurer was not a creditor of the insured, that the transaction was not a consumer credit transaction and was not subject to the Truth-in-Lending Act. ******* v. Allstate Ins. Co.,It also states:the ********************* have consistently taken the position that insurance premium financing plans "in which the customer is not obligated to make remaining payments but may elect to cancel at any time by simply not paying an instalment when due, would not create the creditor-debtor relationship required before a transaction becomes subject to [the disclosure requirements of] Regulation Z." FRB Letter of March 18, ****

  

  Business Response

  Date: 11/27/2023

  We are a third-party debt collection agency, collecting on behalf of our client. There is no contract between ********** and the debtor. The debtor has attempted to dispute this debt many times through various methods over the past couple of years. We sent the original statement balance with a breakdown of the amount owed to our client on September 7, 2021. Please contact our office directly for payment options. 

• Initial Complaint

  Date:11/16/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am NOT liable for this debt with RECEIVABLES MANAGEMENT SYSTEMS. I do not have a contract with RECEIVABLES MANAGEMENT SYSTEMS. They did NOT provide me with the original contract as requested.

  

  Business Response

  Date: 11/27/2023

  We are a third-party debt collection agency collecting this past due debt on behalf of our client. There would be no contract between us and the debtor. The debtor disputed this account with ********** on 11/22/23 and we have requested the signed financial statement and application from our client as the debtor has requested. 

  Customer Answer

  Date: 01/22/2024

  This complaint is In regards to two accounts reporting: account: ******************** account: ******************** I state clearly, I am NOT liable for this debt. And I have NOT signed a contract with Receivables Management Systems. Receivables Management Systems has not provided me the information I am to which I am entitled under Title 15 USC **** et. seq., the Fair Debt Collection Practices Act (FDCPA) to validate these accounts: I have two separate complaints attached to this BBB complaint. One from the **** and one from the Attorney General of *****. Please make note of these documents.

  

  Business Response

  Date: 01/26/2024

  Hello - We are a third-party debt collection agency, there would not be any contract between us and the consumer. We are collecting on behalf of our client, which owns the debt this consumer has. In regards to the two accounts, we have been accurately reporting one account *********************) that this consumer paid in full as allowed by law. However, as a courtesy, we have requested that the client allow us to remove the debt from this consumer's credit report which they have approved.

  The consumer's second account *********************) with the same client is past due and also being lawfully reported. As requested by the consumer, we have mailed the signed application and statement to the consumer showing the past due amount. 

  Customer Answer

  Date: 02/01/2024

  Better Business Bureau:
  
  I have reviewed the offer and/or response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  

  Hi,
  1. I repeat I have NOT received a signed contract with my wet signature (scanned version or the original) that shows I am liable this debt from Receivables Management Systems.

  
  2. I still DISAGREE WITH RECEIVABLE MANAGEMENT SYSTEMS. I have NOT received a contract with my signature.  I'm requesting AND GRANTING PERMISSION to Receivables Management Systems to upload a contract with MY WET SIGNATURE or scanned version to The Online BBB Portal showing I am liable for this collection, so I can ******* in its entirety and confirm its validity.

  
  3. I am entitled under Title 15 USC **** et. seq., the Fair Debt Collection Practices Act (FDCPA) To receive this information.
  
  (R800EAI001001029****)
  (R800EAI001001052****)

  
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  
  ************************
  
  
  
  
  

  

  Business Response

  Date: 02/02/2024

   Due to data privacy laws, we cannot upload documents to the BBB site. We have mailed the documents as requested and have also ceased communications with this consumer as also requested. 

  Customer Answer

  Date: 02/05/2024

  Better Business Bureau:
  
  I have reviewed the offer and/or response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

  1. I have not received ANY documentation with my wet signature on it.  Nor has Receivable Management System provided any proof that they delivered a SIGNED contract to me.  I am required this information upon request or there is a violation of Title 15 USC **** et. seq., the Fair Debt Collection Practices Act (FDCPA) .
  

  2. In response to Receivable management system  most recent message about "data privacy" im requesting that they cite which specific law or code they are referring to for this matter?

  
  
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  
  ************************
  
  
  
  
  

  

  Business Response

  Date: 02/06/2024

  This consumer requested that we cease and desist all communication via certified letter on 1/18/2024, we are no longer able to communicate with this consumer unless directly contacted by the consumer and the request to cease communication is waived. 

  Customer Answer

  Date: 02/10/2024

  Better Business Bureau:
  
  I have reviewed the offer and/or response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  

  Receivables Management Systems is in violation FCRA because they have not provided a contract with my signature as I am entitled.

  Additionally Receivables Management Systems has NOT cease and desisted because they are still attempting to collect a debt they have NOT verified as mine; contract with my signature.  Furthering they are still reporting this debt which is a form of collection NOT a cease and desist.  Furthermore they did NOT cease reporting this collection while they investigated my dispute. These are multiple violations of my consumer rights.

  I repeat I do not have a contract with Receivables Management Systems  and they have not sent me a contract with my signature.

  I request once again that they stop reporting this account to Equifax that they have NOT verified as mine.
  

   

  
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  
  ************************
  
  
  
  
  

• Initial Complaint

  Date:09/14/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Patient First and I do not have a contract with RECEIVABLES MANAGEMENT S they did not provide me with the original contract that I requested.

  

  Business Response

  Date: 09/26/2023

  We are a third-party debt collection agency, attempting to collect a debt on behalf of our client who is the original creditor. There would be no contract between us and the debtor. Debtor signed a financial agreement with our client stating that unpaid balance would be turned over to collection agency. 

• Initial Complaint

  Date:08/21/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In accordance with the Fair Credit Reporting act. This account has ************************** my federally protected consumer rights to privacy and confidentiality under 15 USC ****. 15 U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C

  

  Business Response

  Date: 08/25/2023

  As requested by the debtor, our firm sent the statement showing the balance due and application used to open the account on June 26, 2023. It has since been disputed with no new facts or evidence as to why it is not a valid debt, and our client has confirmed the account as open and still past due. We notified the debtor of this via US mail on July 25, 2023.

• Initial Complaint

  Date:08/17/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im not liable for this debt with elephant auto insurance, I do not have a contract with receivables management systems, they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 08/18/2023

  We are a third-party debt collection agency, collecting this past due balance on behalf of our client. There would not be a contract between us and the debtor. We have requested the debtor's application and statement with our client and will mail to debtor upon receipt as requested. 

• Initial Complaint

  Date:07/07/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not liable for this debt with ELEPHANT AUTO INSURANCE. I do not have a contract with RECEIVABLES MANAGEMENT SYSTEMS. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 07/10/2023

  The consumer has continued to dispute this debt with no substantial changes from prior disputes. As requested by the consumer, we provided a full statement breakdown of the debt owed to our client back on July 20, 2021. We are a third-party debt collection agency collecting on behalf of our client. Please contact our office for payment and settlement options. 

• Initial Complaint

  Date:07/03/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Patient First. I do not have a contract with Receivables Management Systems, they did not provide me with the original contract as requested

  

  Business Response

  Date: 07/05/2023

  We responded to this consumer, as requested, on both 2/18/22 and 3/29/22. We are a third-party debt collection agency, collecting this past due debt on behalf of our client. This agreement is spelled out in the financial guarantor form the consumer signed in order to receive services from our client. Please contact our office directly for payment options. 

  Customer Answer

  Date: 07/05/2023

  Better Business Bureau:
  
  I have reviewed the offer and/or response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  This business has not provided any documentation or original contract signed by me that I am liable for this debt. Therefore, again, I demand it be removed from my credit report as requested.
  
  Regards,
  
  *********************
  
  
  
  
  

• Initial Complaint

  Date:07/01/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Receivables Management Systems, I do not have a contract with this collection agency. Furthermore the debt with the original Party ************************* was paid in full.

  

  Business Response

  Date: 07/05/2023

  This account has accurately been reporting as paid in full since April 2022. We are not required to remove from a consumer's credit report, only accurately report the status of the account. As a courtesy, we will request the client allow removal from the consumer's credit report.