PMAB Professional Med ADJ5970 Fairview RoadSte 800Charlotte, NC 28210 Blatantly attempted to not acknowledge I did not owe money and tried to con me out of paying. Charlotte North Carolina

This is a copy and paste of what I submitted to the BBB.

PMAB deliberately and dishonestly attempted to collect on a debt that I do not owe and opened an account in my name with a credit bureau.

I had a disputed account with a hospital. I asked the hospital's account department numerous times to provide proof I owed them money but they never did, only sending me basic balance statements that did not provide a trail of the balance due. In the past the same hospital had made mistakes on another account, stating I owed money when my balance was zero. I had paid thousands of dollars to my account and fully believed my account was zero, but on April 14, 2017 PMAB sent me a letter stating I owed a balance of $1,042.26. Also in the letter they offered a 50% 'settlement' of $521.13 if paid within 30 days of the date of the letter. I called PMAB and explained that I didn't believe I owed any money, the hospital had never provided proof of owing a balance on this account, and that I did not want them to contact me again. I also told them I'd not make any payment over the phone and make my decision of what to do. On May 8th, 2017 I RELUCTANTLY sent a check for $521.13 to PMAB, even though I had NEVER received proof of owing the amount..well within their 30 day 'settlement offer' period. PMAB cashed my check and I thought the issue was done.

Today I received a notice from a credit monitoring service saying that an account had been opened in my name. The company opening the account was PMAB. I called PMAB and was connected to a Mr. Peterson (ext. 3416). I nicely explained why I was calling and he firmly told me he was trying to collect a debt. When I explained that I had been contacted by my credit monitoring company and asked him why an account had been opened he again said it was to collect a debt relating to the original $1,042.26 balance. He originally did not mention I had made a payment of $521.13. At that moment I reached into my file, retrieved the April 14, invoice that I had written the date and amount paid. I confronted him as to why they had opened an account in my name and began to read the letter stating "Please remit 50% of the balance $521.13 to close out your account." Again I explained that I had not believed I owed anything, but wanted to completely get them off my back! He then told me I STILL OWED the $521.13 because I had not contacted them to say I was going to pay the $521.13. He acknowledged they had received the payment, but continued saying I owed another $521.13, even though I had paid within their 30 day settlement period, because I had not called to tell them I was paying. 

After strong words were exchanged I told him I wanted a transcript of this call since I was told it was being recorded. He told me they do not provide transcripts. (I bet my attorney could get one!) Eventually he put me on hold and when he came back he told me he would contact the credit bureau and have the new account removed. I asked him for a letter stating my balance was zero and that my credit bureau had been contacted to remove the account. He implied it would take 48 hours to process. I told him I'd give them two weeks to get a letter to me. I 'will' be watching my credit to make 10000% sure there is no information on my credit pertaining to this thieving collection company. Lastly, when I once again asked why an account had been opened in my name Mr. Peterson said, "it might have been an oversight!" Nice..."an oversight" with my credit!!!!!

In closing, it's absolutely ridiculous that in today's world, where your credit number plays in the cost of your insurance, home mortgage % offered, and so many other things, that sub-human companies like PMAB have the ability to just place or open an account in my name that will be reported to a credit bureau. By law, any information that might be harmful to an individual's credit should automatically have a 90 day waiting period after the date that the client has been informed of the intentions of the company to place a report or open an account. 

(I have learned since submitting a report to the BBB that my credit report has been harmed.)