A M O Recoveries

Review: Threatened me verbally,

I asked the rep not to call me at work, and they have repeatedly done so.Desired Settlement: To stop calling, and for them to be fined

Business

Response:

Initial Business Response /* (1000, 5, 2014/02/19) */

In response to the consumer's desired resolution, AMO Recoveries has placed Ms. [redacted]'s account in a "do not call" status.

Review: In 2009 I had a hospital visit, and in the course of the year I paid off the Hospital Bill, now 5 years later they are sending me again and asking for another payment, when my account was paid off.Desired Settlement: Clear my account and stop sending me collection letters

Business

Response:

Initial Business Response /* (1000, 5, 2014/04/30) */

We contacted our client who advised that they have not received a payment on this account. They will send us an itemized statement, which we will forward to Mr. [redacted].

Review: When my account with [redacted] was closed, my final bill was $282.30. I did not get a final bill until end of January. I was able to pay the final bill of $282.30 on 2/20/14. I sent the final payment direct to [redacted] on 2/21/14.

I never received ANY notice from this company regarding any collection activity. The only notice I received was from [redacted] Per the Federal Debt Collection Practices Act, a consumer must be given an opportunity to dispute a balance or a portion thereof; I was never given that opportunity to do so.

In attempting to refinance my vehicle, I was notified of a balance of $85 owed to a company called AMO Recoveries with regards to a balance with [redacted]. I PAID MY BALANCE OF $282.30 WHICH WAS MY FINAL BILL. I was shocked to hear that there was a collection item on my credit which is hurting my financing availability and creating a derogatory score decrease.

This company has not informed me of ANY debt owed, but has reported it to my credit bureau ILLEGALLY!!Desired Settlement: Remove from my credit bureau and remove from collections as my balance was PAID IN FULL to the original creditor: [redacted].

Business

Response:

Initial Business Response /* (1000, 6, 2014/09/10) */

Upon placement of the consumer's account with our office in early February, a validation letter was sent to the consumer. This letter itemized the amount due, and also advised the consumer of her rights, should she dispute the balance. The letter was not returned to us as undeliverable. We did not receive a dispute from the consumer. Three weeks after the validation letter was sent, we received notice of a payment to our client. The payment was applied to the consumer's account, and the remaining balance due represents collection charges added by the client. Prior to the client placing the account with our agency, a final notice was sent to the consumer advising her that if payment was not received, the client's next step would be to forward to account to collections, and that a collection fee would be added.

Review: There is a collection on my credit report that is NOT mineDesired Settlement: Remove the collection from my credit report immediately

Business

Response:

Initial Business Response /* (1000, 6, 2014/01/10) */

Prior to our receipt of this Revdex.com complaint, [redacted] contacted our office and advised that she believed the debt was included in a bankruptcy filing. At that time, we contacted our client to see if an adjustment to the balance is appropriate, based on the bankruptcy information. A letter was sent to [redacted] with an updated balance.

However, [redacted] now states, in this Revdex.com complaint, that the debt does not belong to her.

So that we may proceed to investigate [redacted]'s complaint in a manner that will best resolve the issue, we are requesting that [redacted] clarify what her dispute is - does she believe the debt does not belong to her, or that the debt was discharged in a bankruptcy filing?

Review: Checked my credit report about 2 weeks ago and noticed something had been submitted to collections. I was unaware of any unpaid bills so I contacted AMO Recoveries who had purchased the debt. I explained to them that this was the first time I had heard of the debt and they confirmed that they never tried to contact me as they had no phone number or address on record for me. They sent me out an itemized statement. After reviewing the statement it seems the debt is legitimate. I was under the impression that this specific bill was taken care of back in 2007 but obviously I was wrong. I called again to make payment arrangements on the amount of the final bill which was 176.80. They explained to me that they never purchased the bill but were attempting to collect on behalf of the company. I contacted the original company who told me the collection agency did indeed own the bill, in fact, she didn't even see any record of this bill. So I called the credit agency back and explained this to the lady there. She once again insisted that the original company still owned the debt and would not be willing to negotiate payment. The collection agency wants to collect $354.58, more than double the final bill. Considering that this is the first time I have heard of this debt and I am on a fixed income via SSI Disability, it makes it very hard to take care of such a large amount.Desired Settlement: I would like to settle this debt for the original amount of the bill which is $176.80. Considering the company was not willing to negotiate and indeed lied to me about the ownership of this debt (twice), I feel this is more than a fair offer. This debt is scheduled to fall off my credit report early next year, I could simply wait for it to do so however I want to do the responsible thing here and take care of my debt.

Business

Response:

Business' Initial Response /* (1000, 5, 2013/05/29) */

AMO Recoveries is attempting to collect the bill on behalf of our client, we do not own the debt. Our client does not allow for settlement of the account for less than the full balance. Mr. [redacted] may arrange a payment plan if he is unable to pay the entire balance at this time.

Consumer's Final Response /* (4200, 11, 2013/06/15) */

(The consumer indicated he/she DID NOT accept the response from the business.)

There has been no resolution proposed, and no willingness to negotiate. I will not be paying the amount they require.

Business' Final Response /* (4000, 13, 2013/06/21) */

A resolution previously proposed is that Mr. [redacted] contact our office to set up a payment plan if he is unable to pay the balance in full at this time.