CFPB Complaint

RSI Enterprises, Inc. – CFPB Complaint ID 2703826

Consumer Complaint Submission

Date Received: 2017-10-17T00:00:00

Product: Medical debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On XXXX XXXX, XXXX, I had XXXX XXXX at the Wisconsin XXXX XXXX on my XXXX XXXX. Since I was XXXX XXXX XXXX at the time the XXXX was scheduled, I did not sign any contracts or agreements pertaining to the XXXX. I am currently XXXX XXXX XXXX.

On XXXX XXXX, XXXX, a bill was received from Wisconsin XXXX XXXX for the aforesaid debt in my name only. My mother immediately contacted the Wisconsin XXXX XXXX and informed them that the invoice was incorrectly put in my name ; as she explained I am a minor. My mother explained that my father is legally responsible for the bill due to the martial settlement agreement from their divorce. She provided the employee with my fathers name, address, and social security number. The employee agreed that putting the invoice in my name was an error and indicated he would email XXXX, and request that the bill be fixed and put my father as the responsible party and have the bill sent to him.

On XXXX/XXXX/XXXX, another bill for the aforesaid debt came in my name. My mother again called and again spoke to XXXX. XXXX confirmed the prior conversation and said he will send another email to XXXX to have the bill put in my father ‘s name and put him as the responsible party. A few minutes later, XXXX contacted my mother and left a voicemail message that the bill/invoice was fixed and my father was listed as the sole responsible party. My mother contacted my father and he admitted he is responsible for paying the medical bill and indicated he would set up a payment plan once he received the invoice from WI XXXX XXXX. A month or so later, my father indicated he had gotten the invoice.

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I have received no further correspondence from anyone regarding this debt until I received a debt collection letter from RSI enterprises dated XXXX ( that was not received until XXXX/XXXX/XXXX ) indicating I am responsible for the debt.

I attempted to call RSI numerous times but they only have a voicemail and require you to leave a message to call them back. Since I do not want them harassing me about a debt that is not mine, I did not leave my contact number nor a message.

On XXXX XXXX, XXXX, I sent RSI a certified letter notifying them that I am XXXX XXXX XXXX and that my father is responsible for the debt and provided my father ‘s name, address, social security number. I also requested proof that I am liable for the debt.

At this point, I am seriously concerned that WI XXXX Center and/or RSI have unlawfully damaged my credit, by erroneously putting the debt in my name instead of my father ‘s name.

I have attached copies of the XXXX invoices received from WI XXXX XXXX, the letter from RSI enterprises, and the letter I sent to WI XXXX Center.

I am requesting that CFPB not provide either company with my email address or telephone number or the email address and telephone number of my mother ( who I have given permission to have access to the status of this complaint )

Company: RSI Enterprises, Inc.

State/Zip: WI 531XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2703826

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

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In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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