Resources for resolving common issues with R.M. Galicia, Inc. products and services
The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives.
The CFPB will forward your complaint to R.M. Galicia, Inc. and work to get a response. After your complaint is forwarded, R.M. Galicia, Inc. has 15 days to respond to you and the CFPB. R.M. Galicia, Inc. is expected to close all but the most complicated complaints within 60 days.
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R.M. Galicia, Inc. Debt collection disclosure verification of debt not given enough info to verify debt April 4, 2017 - I sent a letter to Progressive Managment Systems to validate this debt and to also see any HIPAA authorization forms. This company failed to properly validate this debt or send me any HIPAA authorization forms. They also disclosed personal medical information that was not authorized by me. I never had any contract with this collection agency.... |
R.M. Galicia, Inc. Debt collection disclosure verification of debt right to dispute notice not received March 5, 2017 - On -/-/2016, I disputed the alleged debt within the - period. When I received their letter on -/-/2016, I asked for detailed documentation in the attached letter labeled " CFPB-PMS2 ''. I did not receive a reply nor did I receive any documentation I asked in my letter. Instead, they blatantly violated FDPCA, FCRA and despite my admonition, falsely reported against both of our credit files with the - bureaus.... |
R.M. Galicia, Inc. Debt collection disclosure verification of debt not given enough info to verify debt February 21, 2017 - I have repeatedly requested that Progressive Management Systems provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.... |
R.M. Galicia, Inc. Debt collection disclosure verification of debt right to dispute notice not received November 17, 2016 - I was hospitalized -/-/- and had a deductible of $3500.00 from my medical insurance company. I was paying the hospital directly, but when I called to get my balance, I was told that they did not have any information. I was then contacted by a collections agency, Progressive Mangement Systems. That was in -/-/-. I made arrangements to pay - per month. I received an itemized payment summary and one is for $1700.00 and another for $3800.00. I have been unemployed since my illness.... |
R.M. Galicia, Inc. Debt collection disclosure verification of debt not given enough info to verify debt October 29, 2016 - I do n't know who this company is I do n't owe anyone - I am requesting a full payment history. A signed copy of my contract. If you do n't have a copy of the contract remove this from my credit. Account number - that 's all they gave me... |
R.M. Galicia, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine September 28, 2016 - There hospital bills which does n't belong to me. It was my E- Husband who was under my health insurance. I have not sign anything at the hospital that I am responsible for any payment.... |
R.M. Galicia, Inc. Debt collection cont'd attempts collect debt not owed debt was paid September 21, 2016 - Had account with -. Paid my bill every month. 6 months ( - to - ) after opening account, utility co sends bill for $940.00. When I called they claimed they did n't read my meter properly because they could n't get to it and this was the " back bill ''. Strange thing is, they turned my gas off due to potential leak the week prior to receiving this bill because the meter reader said the meter was acting weird which tells me they obviously had access. Meter was on side of house in front, no gates/dogs/other obstacles. When I called and explained this, the customer service rep told me (... |
R.M. Galicia, Inc. Debt collection improper contact or sharing of info contacted employer after asked not to July 16, 2016 - Our company changed insurance in - of -. I received vision services at - - hospital in - - in early -. The bills were apparently sent to my office, not home as indicated. Typically, it takes several months for insurance companies to determine the amount they will pay and the amount owed by the insured and then they will bill the insured. 2 months later a collection agency, Progressive Management Systems in - -, CA contacted my employer and told them of the issue but did not call me and I was n't alert at the time. I found out about the contact later after receiving a... |
R.M. Galicia, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine July 14, 2016 - - - - - - billed me for balance not covered by insurance for ER services rendered to my minor daughter on -/-/- after her father, the insured, refused to pay. Prior to treatment, admissions clerk had me sign a computer pad & explained that it was permission to treat & bill insurance. Provided father 's info during services rendered & clerk said he would be billed as responsible party. No copy of the signed document was provided to me. Within 1 day of receiving balance notice reassigned to me, I paid - of bill and provided hospital with copy of signed - - statin... |
R.M. Galicia, Inc. Debt collection false statements or representation indicated committed crime not paying July 12, 2016 - Today I received a letter from Progressive Management Systems in - -, CA for their account - stating I did not pay a $100.00 bill. I immediately called and - stated it was for a co-pay of $100.00 for a - -, 2016 - bill. I asked her if this had be reported to my credit report as I did not want this to effect my credit report and she said if I resolved it with in 30 days it would not report to my credit report. I told her I never got five notices from - and I will check my receipts and call back. I searched my receipts and check book and only found two letters - se... |
R.M. Galicia, Inc. Debt collection false statements or representation attempted to collect wrong amount June 22, 2016 - Representatives advised that she was taking a payment on -/-/16 And then sent me a document stating she had taken the payment today. When I called back advising she stated that she was not aware that she took it even though the paperwork clearly stated today 's date.... |
R.M. Galicia, Inc. Debt collection cont'd attempts collect debt not owed debt was paid June 12, 2016 - I applied for a charity assistance with this debt twice with - and was still sent to collections ... |
R.M. Galicia, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine June 11, 2016 - I have multiple charges against my credit report from a company " PMS '' Progressive Management Systems trying to collect on debts from - Medical Center. I have never been contacted by PMS directly and only know of them through my credit report. They 've not contacted me either through mail or via telephone. I sustained a debilitating injury - in - of -. I filed for - in -, - ( I honestly kept hoping the problem would go away! How dumb was I? ) In - - my - was approved with all charges in relation to my to be paid retroactively. My - was approved retro to -,... |
R.M. Galicia, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine June 7, 2016 - This debt is not mine and I have disputed this several times. Please help ... |
R.M. Galicia, Inc. Debt collection cont'd attempts collect debt not owed debt was paid June 7, 2016 - I paid my copay for medical services at the time of service. - - did not give me a receipt, but they said they would mail the receipt to me. A long period of time went by and I received a letter from - saying I owe the money. I made contact with them on numerous occasions explaining that I already paid them. They have now referred me to Progressive Management Systems and ( PMS ) is threatening me with legal action if I do n't pay them. ... |
R.M. Galicia, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine June 7, 2016 - My husband was - military at the the time of this bill I had - full medical insurance coverage via -. I never received a bill from - and only found about this debt when I checked my credit report. I contacted - my medical insurance to see why this bill was not paid and they informed me that no bill was ever submitted to insurance dunning - -, 2011. I contacted - about this issue and I asked them to resubmit the bill to my insurance ; they refused. They said they could no longer help me because they sent it to collections. The collection agency said they will remove the ... |
R.M. Galicia, Inc. Debt collection false statements or representation indicated committed crime not paying May 27, 2016 - I was first informed of a $120.00 outstanding balance owed - Hospital, from a - -, 2015 - visit, on - -, when my FICO score dropped - points ( - to - ) despite NEVER having received a single bill from either - Hospital or Progressive Management Systems ( PMS ) their debt collection partner that filed the report of delinquency. The - Hospital intake form collected - separate options to contact me, yet I was falsely reported delinquent on a balance of $120.00 ( less than 2 % ) of my bill, without ever being asked for payment. When I asked ( PMS ) to va... |
R.M. Galicia, Inc. Consumer Loan problems when you are unable to pay March 5, 2016 - We had set up a payment automatically through our Debit Card from - with - - Hospital, and because our bank sent us a new Debit Card ( when - and - - were hacked and all banks sent new cards to customers affected ), our payment did not go through with the Old/Cancelled debit card, but we did n't know it at the moment it happened. My husband went ahead and made the payment and brought the account current, but I received a 30 day past due mark of delinquency on my credit. I disputed this through -, but I have not seen any updates and no responses from Progressive Management ... |
R.M. Galicia, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine December 30, 2015 - - - -. - -. $100.00. Request : Deleted permanently from my credit report. Status : Inaccurate account information. To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. ... |
R.M. Galicia, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine December 29, 2015 - Request : Deleted permanently from my credit report. ... |
R.M. Galicia, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine December 27, 2015 - This is not my Medical Account Debt. This was under my Dad 's medical insurance, and his Social Security #. Even though I was just - on the day of service. My Dad 's Medical Insurance explained to me it was unlawful to use my Social Security # for Collections, because the medical clinic does not have my Social Security #. How and Why did the Collection agency have it and used it on my Consumer Credit Report? Same Medical Collection Amount did show on my Dad 's report and was paid in full. ... |
R.M. Galicia, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine December 14, 2015 - A Collection Agency named Progressive Management say I owe $330.00 to them for a medical bill -/-/-. Which would n't be possible since I was under my mothers healthcare and barely graduating high school. I did n't know anything about this debt till I tried to get a credit card around -. I got no letter or email saying I owed anything. It just stopped me from getting a credit card since this was on my record. I checked - and - to see if they can find it, I even called - to see if they can find this debt I owed. But they said I had a clean record and I owed nothing. So I tried... |
R.M. Galicia, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine December 8, 2015 - I was notified by a credit alert system that Progressive Management Systems had reported on my credit report, a collection account that does not belong to me. They ilegally reported this collection under my name and social security on the understanding that this account belongs to my daughter, and adult - yrs old, living on another city. The Progressive Manager - - was caustic and agressive. I told him that was in the middle of a financial transaction that was being jeopardized. They blatantly and flagrantly damaged my credit unjustified, and ilegally. This account was reported and da... |
R.M. Galicia, Inc. Debt collection disclosure verification of debt not given enough info to verify debt December 1, 2015 - I had request a verification of the debt and the creditor has not done so. ... |
R.M. Galicia, Inc. Debt collection disclosure verification of debt right to dispute notice not received November 25, 2015 - Collection agency reported to - on -/-/- a closed '' collection account with a balance of $19.00 that was opened with their collection agency on -/-/- I received no dunning notice from the collection agency. Section -/-/- of the Fair Debt Collection Practices Act says collectors must provide notice to consumers within five days of the initial communication regarding the debt, stating the amount of the debt, the name of the current creditor, and explaining the consumer 's right to dispute the debt and to obtain verification. Failure to send a -/-/- notice, is a violati... |
R.M. Galicia, Inc. Debt collection false statements or representation attempted to collect wrong amount October 22, 2015 - I go to - - hospital and then the send a medical bill is $3200.00 and then I said I have no capacity to pay the bill. I want to make payment arrangement. But the do n't say nothing. The send my bill to debt collection agency. And right now the collection agency charge of interest with my medical bill. So right now what I do.and I already contact to agency to make a payment arrangement like $40.00 as month. ... |
R.M. Galicia, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine October 7, 2015 - My husband has a bill from a hospital. I am not a guarantor or responsible party as far as hospital is concerned. Debt Collection company added me on the bill and is reporting to Credit Reporting Agencies that i am in collection. They said California is a community property state so my husbands debts are mine also and they wo n't take my name off. ... |
R.M. Galicia, Inc. Debt collection improper contact or sharing of info talked to a third party about my debt August 31, 2015 - I provided the school I was attending the address that I would like information to be sent to which was also my home address. I spoke with the collection agency ( progressive ) the other day in regards to my paycheck being garnished and was informed that they sent notices to my ex boyfriends address ( a address I never provided them with ). I was informed by the collection agency that they sent the information to my current address which I find impossible because they had the wrong address on file when I called in. The collection agency then went on to state that they sent information to my jo... |
R.M. Galicia, Inc. Debt collection disclosure verification of debt not given enough info to verify debt August 25, 2015 - Unknown and appears to be outdated, disputed with no outcome. Please help ... |
R.M. Galicia, Inc. Debt collection improper contact or sharing of info contacted me after i asked not to July 28, 2015 - I received a credit report a saw that Progressive Mangement Services of - -, CA has reported a debt and trying to collect on it, I had advised them in the past the debt is old and and the statue of limitations in California is 4 years and can no longer collect on it, when it was reported to the credit agencies there is no account number attached. I did send them a email asking that they remove the account. ... |
R.M. Galicia, Inc. Debt collection disclosure verification of debt right to dispute notice not received July 7, 2015 - Progressive Management Systems submitted a negative credit report to all major credit reporting agencies regarding an alleged debt to - in the amount of $50.00. This debt was dated -/-/2015. Progressive Management Systems never notified me in writing regarding this debt nor provided a right to dispute this debt. I discovered this information via the annual credit report check I completed on -/-/2015. ... |
R.M. Galicia, Inc. Debt collection false statements or representation attempted to collect wrong amount June 25, 2015 - Progressive Management Systems is the agent for - - - have stated in a letter dated -/-/- - - - - has informed us that these accounts were initially cancelled as they were attempting to bill your insurance provider ; however, the above referenced accounts have been re-activated due to the fact that your insurance coverage termed as you were not eligible tfor the dates of service. Also you did not present your - insurance information to your client and they were not able to bill in a timely manner. '' First, no services occurred on said dates in the total amount of... |
R.M. Galicia, Inc. Debt collection disclosure verification of debt right to dispute notice not received June 19, 2015 - I took my - year old son to a - - medical center and I provided a legitimate form of payment. They attempted to file a claim with the insurance provider and the claim was denied - which I found out when I started investigating the collections report on my credit report ). They claim to have sent statements to my home address. I did not receive any. I was never called or notified that this would be sent to collections. Now my credit report is reflecting a collection action of which I had no knowledge until it was on my credit report. ... |
R.M. Galicia, Inc. Debt collection false statements or representation attempted to collect wrong amount June 15, 2015 - Progressive Management System located at - - - -, - -, - -, CA, - Has reported to the credit agencies that I owe $480.00 to them due to an original debt of $410.00 from - -. When I contacted - - they informed me that they do not show any such debt in their records. I asked them to contact PMS and clear this misunderstanding. After - contacted PMS and cancelled this debt with them, it still shows on my credit report. Upon contacting PMS they told me that - has cancelled the debt, but they still refused to report it to credit reporting agencies to... |
R.M. Galicia, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine May 11, 2015 - I am receiving calls from Progressive Management Systems about an outstanding bill that my ex-husband owes for my son. I have asked the company to remove my name and telephone number, but they continue to call. I refuse to pay this bill because my child 's father is responsible for this bill. ... |
R.M. Galicia, Inc. Debt collection communication tactics threatened to take legal action April 24, 2015 - i went to the - for my - but the insurance paid a portion of the billthe remain the bill i do not know until i receive the phone from collector and they charge interest but this - not my faultthey sent to progressive management systems collector can you tell me what can i do ... |
R.M. Galicia, Inc. Debt collection disclosure verification of debt not given enough info to verify debt April 10, 2015 - The debt has shown on my credit report in - separate spots. I do n't know what for .. When I called I was decided a statement. Progressive mgmt systems. ... |
R.M. Galicia, Inc. Debt collection disclosure verification of debt not given enough info to verify debt April 7, 2015 - I have been monitoring my credit carefully for the last 6 months. I am applying for a home loan. I was notified today that Progressive Management - is now reporting a new collection account for a medical bill. I have been at my address for over 2 years and I have not received a single notice or call from Progressive to validate this debt accrding to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). They have made no attempt to obey the law. I have faxed them a request to validate the debt and a copy of their HIPPA compliant agreement with the creditor. I have not had any ... |
R.M. Galicia, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 6, 2015 - Unable to get a hold of business ( Progressive Management Systems ) who has reported information to - about a medical debt that does not belong to me. I have contacted ( - ) to clarify accuracy of debt, I was told they have No record of me at - they told me to contact collection agency but I am unable to contact the company as every listed number is not active. I have filed a dispute through - but company reports this is my account. how is that when I do n't live in same state or have ever in my life been to a - hospital or group as - has told me - has No record of me. Wha... |