Recovery Management Services

Complaint:
I am rejecting this response because: When I spoke with the representative "Adam" I was informed that I had to pay the amount in full and that I perhaps consider taking a loan in which to do so A payment plan option was not given to me I then asked if the debt had been reported to the bureaus and was given a date of September 11, 2015, that the debt would be reported RMS submitted the debt in August 2015.The email from Mr*** supports partially what was communicated between myself and the representative I called on July 28th Adam was the second rep I spoke with, because the initial man I was talking with, was as what seems to be consistently trained to be curt and intimidating My goal then and still remains to be a fair plan of action I contacted RMS in good faith with food intention...the debt is righteous, I was a student at LIU, however RMS did not have good intentionsOnce I implored the service of Park View Legal (this was AFTER learing that the RMS reported the debt in August and not September as I was informed) and disputes were made, it was only then that a payment plan was given.I also received a harrassing call from RMS after this complaint was filed. This IS my debt (though I'm disputing $of the total amount for "Dining Dollars" NEVER used!) and I'm steadfast in paying it RMS lacked integrity in my initiating conversation with them and per the email from Mr, ***. Thanking you kindly for your attention and concern
Sincerely,
Monique ***

Initial Business Response /* (1000, 5, 2014/08/06) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX ext ***
Hello,
We have sent Mr*** an Itemized statement of the student accounts receivables debt that he owes to *** *** UniversityRMS sent
this documentation to Mr*** on 7/30/to the address of XXXX XXXth Court number *** *** XXXXX
*** *** University has confirmed that the debt has not been paid and is still owedRMS has changed the ecoa code for credit bureau reporting to XB to show that Mr*** disputes the debt
Mr*** should review the documentation and if he has proof that this specific debt was paid he can provide it to RMS for our review
Initial Consumer Rebuttal /* (3000, 7, 2014/08/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They never sent me anything, and as long as that has been on my credit report why did they just decide to mail it out my current address is *** *** *** Lane, *** *** ** XXXXX and all other mail that has come to my old address has been forwarded to me I have not received anything from themI was not a private pay student I was in school on financial aid, and I do have documentation that ALL of my student loans have been taken care of in a consolidation loan
I have sent them a letter and a copy of the consolidation paperwork including the student loans and *** *** *** University was included in the consolidation
I will be taking higher measures as of today, and filing a law suite for every penny I have to spend out of pocket to get this matter resolved
Final Business Response /* (4000, 13, 2014/08/12) */
Hello,
The remaining balance has to do with left over tuition that was not paid by Mr***' loansPlease see the attached statement of accountThis statement was also already sent to Mr***If he has any other questions he may contact the school directly
Final Consumer Response /* (4200, 11, 2014/08/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have never sign a private loan with *** *** *** University,every loan that I ever had was a federal student loanI would not even qualify for any private loans through an institutionI have contacted the loan servicing company that serviced the only loan that I signed for when attending *** *** *** University which is *** *** and they have provided me with documentation that I did have a Federal Student Loan for the short period of time I attended thereI never took out any private loans with any collegesNow if Recovery Management Service has documentation with my signature stating that I took out a private loan please send them to me so that I can see them because I am certain that the only loans that I have ever applied for were student loans through Federal Financial Aid, and they all are included in my consolidation loanI will be sending copies to the credit bureaus, and The Federal Trade Commission immediatelyI have attached the documentation from the loan servicing company
PLEASE SEND ME A COPY OF THE ORIGINAL LOAN AGREEMENT AND DOCUMENTS THAT YOU CLAIMED I SIGNED TO TAKE OUT A PRIVATE LOAN ON TOP OF MY FEDERAL STUDENT LOANS OR REMOVE THE INFORMATION FROM MY CREDIT REPORT

Hello,RMS-Recovery Management Services, Incis a third party collection agency retained by *** *** ***, to secure the consumer's outstanding student accounts receivables balance of $***Our first communication with the consumer was on 7/28/During that conversation the consumer
was advised that this debt would be reported to the credit bureaus unless the account was paid in full prior to the scheduled reporting date.RMS-Recovery Management Services, Incis contractually obligated to report collection accounts for *** *** *** if the debt has not been paid in full after the debt has been placed with us for daysA payment plan would not have altered this contractual obligationSince our initial contact with the consumer no payments have been made on this debtRMS-Recovery Management Services, Inchas requested proof of the consumer's debt with our client and will be mailing an itemized accounting of the consumer's debt to her this week.Sincerely, Mike ***

Hello, We have never spoken to the consumerI would be happy to discuss this account with the consumer but I will not attempt to contact her as her last complaint added that she did not want us to contact herWe have not reported this debt to the credit reporting agencies. I would be happy to provide verification of the debt if the consumer would allow me to send it. I can be contacted at *** *** ***

Initial Business Response /* (1000, 5, 2015/07/07) */
Hello,
RMS-Recovery Management Services, Inchas been retained by *** University to provide collection services regarding Ms***'s outstanding student account receivables balance of $3,as of today's dateMs*** has
made payments totaling $the last payment having been made in March of this year
RMS-Recovery Management Services, Inchas thousands of borrowers who make their payment online through our payment website and they do not have any issues with multiple payments
RMS-Recovery Management Services, Incwould like to help Ms*** continue to resolve her outstanding account with ECPI UniversityWe Can take a single payment monthly over the phone or Ms*** can mail in a check or money order every month
For making payments online Ms*** should select the "Single-Pay ACH" option to be sure only one payment is processed
ePay Application
Credit Card Payment
Single-Pay ACH
Multi-Pay ACH
Scheduled ACH
If I can be of any assistance Ms*** can contact me at the number provided in response to this complaint
Initial Consumer Rebuttal /* (3000, 7, 2015/07/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Im not paying for a money order nor giving my bank information over the phone to a collection agencyIve been paying online and all of a sudden this started happening to me the end of last yearI have proof of the double paymentsJust because thousands of customers arent having the problem doesnt mean im notIf I wanted to make a $payment instead of the agreed $why wouldn't I put the payment for $instead of two payments back to back of $It doesnt make sense that the company is blaming me instead of getting to the root of the problem
Final Consumer Response /* (4200, 11, 2015/07/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Checks & money orders cost money as well as a stampIf your company provides those items to me than sure I will mail out a payment
Final Business Response /* (4000, 9, 2015/07/16) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX ext ***
Contact Email: ***@rmscollects.com
Hello,
We have examined our web payment portal and as I stated in the last response we are not having issues with multiple paymentsThis issue seems to be isolated to this consumer onlyWe offer the online payment portal as a convenience to our consumers, however as I mentioned in my last response it is certainly not the only means in which our consumers can make paymentsThe consumer can certainly mail in a check or money order to resolve her account

Complaint: ***
I am rejecting this response because:I have been on the site and called numerous times to try and make paymentsI'm not sure as to why there is no record of my attempts.
Sincerely,
*** ***

I *** website that was found on the paper statement I received from them in the mail along with the log in information that was also found on the paper that was sent to me in the mail

Complaint: [redacted]
I am rejecting this response because:  At NO point in time was I ever given a breakdown by RMS of how much was going to the principal and how much was going to interest and/or penalties or addtl fees each month.   The accounting information keeps the consumer in the dark about what is going on.    
Sincerely,
[redacted]

Hello, RMS Recovery Management Services, Inc. was retained by our client [redacted] University to collect an outstanding student accounts receivables balance from the consumer. The consumer did in fact speak to one of our representatives named Travis on 3/29/16 at 4:05 Central time. We sent...

the validation notice which is a letter that is required for us to send to the consumer after the initial contact is made per Federal law. We will honor the consumer's request to not receive any more letters. Sincerely [redacted]

Hello, RMS-Recovery Management Services Inc. is a third party collection agency retained by our client [redacted] ([redacted]) to recover the consumer's outstanding private student loan balance. Ms. [redacted] loan is held by [redacted] and was placed with my company for collection in March of...

2014. My company did not report this debt to the credit reporting agencies any credit reporting would have been done by [redacted]. I have requested an itemized statement and the promissory note signed by the consumer and will mail those to her upon receipt. The interest and collection costs charged on Ms. [redacted] loan are stipulated by the promissory note and not determined by RMS.

Complaint: [redacted]
I am rejecting this response because:I have spoken with the company regarding the issue and tried their website and each time I'm told I have to pay more than $50 each time. I have also checked my credit report several times and each time it shows up on my credit report. 
Sincerely,
[redacted]

Initial Business Response /* (1000, 5, 2015/01/16) */
Contact Name and Title: Mike [redacted]
Contact Phone: XXX-XXX-XXXX ext [redacted]
Hello,
Ms. [redacted] spoke to both Joe and Jeremy representatives at RMS-Recovery Management Services, Inc. yesterday. Ms. [redacted]'s balance is $78.25 which is for a...

Federal Perkins loan debt owed to [redacted] If Ms. [redacted] would like to resolve her balance she can contact me directly.
Initial Consumer Rebuttal /* (3000, 7, 2015/01/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
After I left this complaint I was called by Joe the representative for the company. I asked him two questions 1) what was the pay off on my account and 2) who could I talk to in order to complain about why I had to call 5 times and keep getting directed to his voicemail. He asked me why it mattered I explained as a customer service representative that they should be able to help me... he told me they were not customer service representatives and why does it really matter. I should have paid this months ago. I told him it wasn't his fault because he was at lunch but to keep doing that what was the reasoning for it. He kept telling me well that is just our procedure... I understand if you can't help me tell me that... don't keep hanging up on me. He said it really doesn't matter and that I was wasting his time. (I wish I was making this up) I said excuse me... I then asked to talk to a supervisor... he asked ..."Why so I could waste their time too" I was put on hold and when the supervisor came on he said his name was Jeremy and he sounded like the person I talked to that kept hanging up on me. I made a comment asking if this was the same Jeremy I tried talking to before. He said he wasn't. I explained the situation and instead of being understanding, apologetic, all he kept asking was when are you sending the money... and what would you like for me to do. When I told him I was going to need him to look into the way his people were treating others he pretty much pushed it off. When I told the person that a complaint has been filed on Revdex.com the supervisor Jeremy hung up on me. I called Millikin and talked to Business office and they said they would look into this. I am now dealing directly with the original debtor. Thank you and have a nice day.
Final Business Response /* (4000, 9, 2015/01/26) */
Hello,
I have spoken with the representatives handling this account. The remaining balance is still due and If Ms. [redacted] wishes to pay that directly to the client it is her right to do so. If Ms. [redacted] would like to speak to me personally in reference to her account my contact information is listed below.
Sincerely,
Mike

Hello,I have rechecked our system and there is absolutely no record of any verbal communication between the consumer and my firm. Does the consumer have a different last name for me to check? Also I believe that the consumer has not visited our payment portal web site as there is no record of her attempting to sign in there either. Our payment portal web address is [redacted]. Was this the address that the consumer went to? The log in ID for the consumer is the same as our internal file number [redacted] and her password is her social security number. I have flagged the consumer's account as a do not contact per her requested remedy on the last complaint. The consumer may contact me directly if she wishes to at [redacted]

Initial Business Response /* (1000, 5, 2015/07/07) */
Contact Name and Title: Michael [redacted]
Contact Phone: XXX-XXX-XXXX ext 125
Contact Email: [redacted]@rmscollects.com
Hello,
RMS-Recovery Management Services, Inc. has already responded to two complaints submitted by the consumer in...

January of this year:
01/10/2015 web Revdex.com Case Received by Revdex.com
01/10/2015 web Revdex.com Accredited Business Case Reviewed by Revdex.com
01/10/2015 Otto EMAIL Send Acknowledgement to Consumer
01/10/2015 Otto EMAIL Inform MIP AB of Case
01/14/2015 WEB Revdex.com RECEIVE BUSINESS RESPONSE : Contact Name and Title: Mike [redacted]
Contact Email: [redacted]@rmscollects.com
Hello,
Ms Pugh's account was placed with RMS-Recovery Management Services for collection. The loan holder is Avila University and Ms. Pugh owes Avila $2,051. We are the second collection agency that Avila has placed this account with in an attempt to collect the outstanding balance owed by Ms. Pugh. Ms. Pugh has contacted Avila and they have asked RMS to accept a short term payment plan of $10.00 a month so that Ms. Pugh can begin repaying her debt. At this rate Ms Pugh will be repaying her debt to Avila for the next 17 years. Ms. Pugh's debt is an outstanding tuition debt and was meant to be payed before classes were attended.
01/14/2015 lgg EMAIL Forward Business Response to Consumer
01/14/2015 WEB Revdex.com RECEIVED CONSUMER REBUTTAL : (The consumer indicated he/she DID NOT accept the response from the business.)
I will not accept this response. No one addressed why the person @RMS spoke to me that way. Twisting my words, making me feel that I should automatically know how collections work or what the debit is for. I sent in $10 payments dated from 12/14 to 6/2015 under distress from RMS. I feel this is not my account to pay. Also I'm unaware of any other collection agencies having this account as I was not contacted. Their practice of bullying to obtain debit is against the law.
01/15/2015 lgg EMAIL Forward Consumer Rebuttal to Business
01/16/2015 WEB Revdex.com RECEIVED BUSINESS' RESPONSE TO REBUTTAL : Hello,
I have attached the itemized statement from Avila University which was sent out to the consumer yesterday. This statement shows in detail the debt owed to Avila University. Avila placed this debt with RMS for collections. As I stated previously RMS is the second agency that Avila has retained to attempt to collect this debt. If the consumer does not wish to speak with us she can submit that request in writing to our office and we will comply.
RMS-Recovery Management Services, Inc.will not contact Ms. Pugh again. The consumer still owes Avila University $1,981.00.
Initial Consumer Rebuttal /* (3000, 7, 2015/07/09) */
(The consumer indicated he/she DID NOT accept the response from the business.)
RMS continues to harass. I've asked since January 2015 for RMS not to contact and they have continued with the harassment and threats. They have called several times since January 2015 (late at night) and they have mailed harassing letters. RMS stated back in Jan 2015 that they would not continue to contact me and they continue. What is my next step for the harassment to stop? How do I get my information removed from RMS?
Final Consumer Response /* (4200, 11, 2015/07/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
What is the proposed solution? RMS stated back in January that they would not contact me anymore. Per my phone records, RMS has called several times late at night since then and recently. RMS has sent me a letter, which I have, that is dated 7/1. So you see they will lie and stop at nothing with their scare tactics. I'm requesting that RMS not ever contact me, they should not have my personal information in their data base for any reason. I'm asking you again several months later the same thing. When will this stop? What is my next step for them to stop?
Final Business Response /* (4000, 9, 2015/07/10) */
Hello,
I must disagree with the consumer. RMS-Recovery Management Services Inc. has not continued to contact the consumer via phone and exactly one letter has been sent since January. The letter sent to the consumer in January was an itemized accounting of her debt owed to Avila University.

Hello,RMS-Recovery Management Services Inc. is a third party collection agency that has been retained by our client [redacted] University [redacted] to secure the consumer's outstanding educational debt in the current amount of $[redacted]. We have flagged the consumer's work phone so it will...

not be called again. If the consumer would like to resolve the outstanding balance please contact my office at [redacted] Regards, [redacted]

Hello,
 
RMS-Recovery Management Services, Inc. has been retained by [redacted] to secure the consumer's outstanding student accounts receivables balance of $490.77. The consumer's account was placed with us on 4/21/2015. We sent the consumer a validation notice...

the following day and several letters since and received no return mail from the address at [redacted].We have also made telephone attempts to contact the consumer. On 12/29/2015 we sent an itemized accounting of the consumer's debt to her. The debt is being as disputed to the credit bureaus. If Ms. [redacted] would like to discuss her account she can contact us at [redacted]
 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.
Sincerely,
[redacted]

Initial Business Response /* (1000, 5, 2015/07/07) */
Hello,
RMS-Recovery Management Services, Inc. has been retained by [redacted] University to provide collection services regarding Ms. [redacted]'s outstanding student account receivables balance of $3,373.88 as of today's date. Ms. [redacted] has made...

payments totaling $2400.00 the last payment having been made in March of this year.
RMS-Recovery Management Services, Inc. has thousands of borrowers who make their payment online through our payment website and they do not have any issues with multiple payments.
RMS-Recovery Management Services, Inc. would like to help Ms. [redacted] continue to resolve her outstanding account with ECPI University. We Can take a single payment monthly over the phone or Ms. [redacted] can mail in a check or money order every month.
For making payments online Ms. [redacted] should select the "Single-Pay ACH" option to be sure only one payment is processed.
ePay Application
Credit Card Payment
Single-Pay ACH
Multi-Pay ACH
Scheduled ACH
If I can be of any assistance Ms. [redacted] can contact me at the number provided in response to this complaint.
Initial Consumer Rebuttal /* (3000, 7, 2015/07/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Im not paying for a money order nor giving my bank information over the phone to a collection agency. Ive been paying online and all of a sudden this started happening to me the end of last year. I have proof of the double payments. Just because thousands of customers arent having the problem doesnt mean im not. If I wanted to make a $200 payment instead of the agreed $100 why wouldn't I put the payment for $200 instead of two payments back to back of $100. It doesnt make sense that the company is blaming me instead of getting to the root of the problem.
Final Consumer Response /* (4200, 11, 2015/07/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Checks & money orders cost money as well as a stamp. If your company provides those items to me than sure I will mail out a payment.
Final Business Response /* (4000, 9, 2015/07/16) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX ext [redacted]
Contact Email: [redacted]@rmscollects.com
Hello,
We have examined our web payment portal and as I stated in the last response we are not having issues with multiple payments. This issue seems to be isolated to this consumer only. We offer the online payment portal as a convenience to our consumers, however as I mentioned in my last response it is certainly not the only means in which our consumers can make payments. The consumer can certainly mail in a check or money order to resolve her account.

Hello,RMS-Recovery Management Services, Inc. has been retained by our client The [redacted] of [redacted] to secure [redacted] outstanding educational debt which has a current balance of $[redacted]. We appreciate the [redacted] efforts to attempt to resolve this debt....

RMS-Recovery Management Services, Inc. does not own the debt the debt is held by our client and they set the settlement parameters. They would allow us to settle the debt for the amount of $[redacted]. This is a significant reduction which if paid would settle Mr. [redacted] account in full. Please feel free to contact me directly with any questions or concerns at [redacted] ext. [redacted]. Regards,Mike [redacted]Director of ComplianceRMS-Recovery Management Services, Inc.

Initial Business Response /* (1000, 5, 2015/09/04) */
Hello,
I cannot pull up a consumer by the name of Nicole [redacted] in our system. Please provide the name of the consumer who was responsible for the debt.