ComplaintsforNemo's Investigations & Collections

• Initial Complaint

  02/27/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  They put a medical collections (u701842d929769) on my credit file that is not mine it belongs to my daughter who is over the age of 21 and was a dependant on my insurance policy. When I called Nemo to ask them to remove it they acknowledged the collection was not mine told me that they wont report to transunion until next month (March) then hung up on me. Prior to them hanging up on me I informed them that it was the only thing hurting my credit score and keeping me from securing a home loan at better terms and interest rates. I feel this should be removed from my credit ASAP as it is not mine and they know it is not mine.

  Business response

  02/28/2023

  Thank you for giving us the opportunity to correct the human error that was made. We have manually deleted it this morning and it should be off your credit within a few weeks.

  Customer response

  02/28/2023

  A few weeks to remove off my credit is not acceptable (a few = what 1 weeek, 2 weeks, 3 weeks, etc..). I am trying to purchase an investment property and need this removed within 5 business days. Other investors are looking at the property that I want to buy. A few weeks is very vague!! At least provide an exact date as to when ****'s will correct/ report this "human error" to the Credit companies.

  Business response

  05/22/2023

  This has been deleted way back in Feb 2023. 

  Customer response

  05/23/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *****************************
  
   
  

• Initial Complaint

  02/17/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  ******************************** **** N SAINT H**343038333131**3630HHOLAS CIRCLE #** *********, ** ***** Date 2/17/23 NEMO'S COLLECTIONS ***** ************ *******, ** ***** NEMO'S COLLECTIONS- $146 I am in receipt of your companys letter informing me youre handling the collection of the account mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between (****'S COLLECTIONS } and me which makes you a person entitled to enforce a commercial claim against me. This letter is NOT a request for verification or validation.This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature specifically naming your company as a person entitled to enforce a commercial claim against me . Certifications can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.Failure to respond and provide strict proof of contract will constitute your tactic agreement that you NEMO'S COLLECTIONS are NOT entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and ************************* and file a police report against you for harassment and invasion of privacy.You have *********************************************** the event you cant provide strict proof of contract, YOU MUST CEASE AND DESIST ANY AND ALL COLLECTION EFFORTS AND IMMEDIATLEY REMOVE ANY DEROGATORY INFORMATION REPORTED TO THE CONSUMER REPORTING AGENCIES. If you transfer this account to any attorney without providing proof of contract, They will be immediately reported to the state bar association and *************************** for code of ethics violations.

  Business response

  02/20/2023

  The documents you requested are being sent out in the morning to the address on St Nicholas Cir.

  Customer response

  02/20/2023

  This company can just upload what was asked in the initial complaint saying youre going to mail some mysterious documents in the mail is NOT acceptable again this company needs to put in a request to all the credit reporting agencies to have this illegal Tradeline removed from my credit report

   

  How does this prove that this debt belongs to me? I do not see my signature here. Perhaps I have been the victim of identity theft or fraud. I can certainly create similar documents on my computer, send them to your company and claim that you owe me money. Would that prove anything?
  
  
  I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY proof of that. A copy of an alleged bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. REQUEST ANY DEROGATORY INFORMATION REPORTED TO THE CREDIT BUREAUS BE REMOVED if I find this entry on my credit report later interferes with my ability to obtain credit with favorable terms, I will bring suit against your company and the original creditor for all applicable damages, as well as for statutory penalties provided under the ***** and FCRA.

  Business response

  02/22/2023

  Office policy prohibits sending any sensitive documents through any public forum. They have been sent through the US *************** For authentication purposes you may contact the original creditor, their billing information will also be in the aforementioned documents. 

  Customer response

  02/22/2023

  How does this prove that this debt belongs to me? I do not see my signature here. Perhaps I have been the victim of identity theft or fraud. I can certainly create similar documents on my computer, send them to your company and claim that you owe me money. Would that prove anything?
  
  
  I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY proof of that. A copy of an alleged bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. REQUEST ANY DEROGATORY INFORMATION REPORTED TO THE CREDIT BUREAUS BE REMOVED if I find this entry on my credit report later interferes with my ability to obtain credit with favorable terms, I will bring suit against your company and the original creditor for all applicable damages, as well as for statutory penalties provided under the ***** and FCRA.
  
  

• Initial Complaint

  08/12/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have a charge from Nemos debt collection that is hurting my credit. I didnt even know I owed them money or what it is for. No one has sent a **** or even called me. I need this resolved ASAP

  Business response

  08/12/2022

  Thank you for your response. Your account was placed with our agency on 8/3/2020. Shortly thereafter our initial letter was sent to the address you gave at the time of service. This letter is sent to inform you of this transition. The letter provides the original creditor information, balance due along with our contact info. We are not privy to medical information, only the basic debt info. This letter did not return as moved, or insufficient address so we have to assume someone has received it. Several messages were left at the above given phone# as well, without response. We understand credit is important and would like to help you get this resolved in a timely manner. I've sent a balance payoff letter to your current address on Timber Way. The letter has several modes of payment options for you and also our contact information so that you may call the office to pay, or if you have further questions or concerns. It is and always has been company policy to comply with the ***** and FCRA. We look forward to a conclusion of this matter.

• Initial Complaint

  06/16/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My credit score lists an active collections account which has prevented me from taking out loans, getting new credit cards, and it could prevent me from purchasing a home. This is menial amount less than $100 in value, but I can't even pay it because Nemo's Collections does not provide any contact information, nor have they contacted me by phone, mail, or email. I'm not sure if they sent a letter to a prior residence, but I have gotten nothing as it stands and have no way of repairing my credit. This is a $52 charge. I just want someone to reach out to me so I can pay it off and I'd like it removed from my record. I am not accusing anyone of doing anything malicious, I am sure it was just a mix up as I have moved several times in the past year, and I am more than happy to provide my current contact information to complete the transaction, but I just want this off my credit report. This is less than some bar tabs, I hate that it's ruining my life, and I would gladly have paid had I known it was owed.

  Business response

  06/17/2022

  Thank you for your contact regarding your file. As you said, this is a small balance account and once it's paid, our office policy on anything under (or around) $50 gets deleted once it's paid. You may call us at ************, or you may use this link: https://secure.transaxgateway.com/HostedPaymentForm/HostedPaymentPage.aspx?hash=QLgB3Jo%2BTRJOxikCcrPPT%2Bkx9awLNTVJj2TQY8u91nE%3D   to get to our online payment portal to pay. If you prefer to mail in your payment, our mailing address is: ****************************************. We look forward getting this resolved.

• Initial Complaint

  05/14/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company has harrassed me with calls and threats about an alleged debt after causing personal injury to my credit report without written consent. I have sent them certified mail in attempts to cure their misconduct first notice on July 10,2021 certified mail no.9214 **** **** **** **** 72, second notice on August 22,2021. Nemos Collections never supplied any proof of the debt and did not comply with Hippa Regulations along with excessive calls and threats. I have supplied a copy of a call from them which is attached on April 18, 2022. A HIPAA violation is a failure to comply with any aspect of HIPAA standards and provisions detailed in detailed in 45 CFR Parts 160, 162, and 164. **** violations can often be combined with ***** violations, as a debt collector may use an automatic dialing system to call your cell phone in order to collect a debt. The statutory penalties for a violation of the **** are $500 per violation and up to $1,500 per violation for a purposeful violation. The ***** at 15 U.S.C. ****d prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 15 U.S.C. ****d(5) specifically forbids a collector from causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

  Business response

  05/16/2022

  We have made 2 attempts to make verbal contact with this party. 1st on 7/14/21 @ 11:02:53 and a man answered, refused to say who he was but wanted to know exactly why we were trying to reach *********************************. The law prohibits any debt disclosure to an unidentified person so once the collector wouldnt disclose why hes calling, the party hung up on him. The 2nd attempt was on 4/18/22 where a simple, please call me message was left. We cant make people call us back, and if calls arent returned how will someone know they may be missing out on important information? This letter did not return as moved, so we must assume that it was received. All documents received are noted and all requests for validation of debt are researched and fulfilled. I dont see where these certified letters that are mentioned were signed for. We have no record of any certified letter(s) were received at all on this account. All correspondence from the debtor are linked to their file, certified or otherwise. There are no such letters linked to this file or noted in the notes. Certified letters are signed for upon receipt. Please provide the signature so we can see what disciplinary action needs to be taken so we can devise a better system if our current system isnt working. The ***** provides that we may attempt to contact debtors once within a 7-day period. Weve had this account in our office since 7/1/2021 and made 2 attempts to make contact. None of our attempts have been reciprocated. Validation of these debts have been sent on 5/6/2022. ALL medical services that were provided (description of the services) are redacted for privacy. We do not have access to any medical information and respect the privacy of every individual we encounter.  It is and always has been company policy to comply with the ***** and FCRA and are confident nothing had been said nor done to defraud this company or our clients reputation.

  Customer response

  05/18/2022

  I have no business with this company or any companies associated with them. I have supplied multiple letters which they hav never responded to too cure the offense. This company has called and harassed me on several times. This company has never supplied any proof of any alleged account that I am and have ever been associated with, therefore I need the alleged account that this company has fraudulently place on my credit file removed immediately. 

  Business response

  05/19/2022

  VALIDATION of these debts was sent to the ***** Rd address on 5/5/2022. I even noticed you left off the Ste# so I tracked that info down to be sure you'd get it.

  Customer response

  05/19/2022

  This company said it is making "assumptions" in their own statement. ****** I have supplied proof from the certified receipt letters that was signed by their office. This company called and harassed my phone. I have never answered a call from them stating the name "*********************************". I have given them several opportunities to cure the wrong they have done to my personal credit. This company continues to keep a account that doesn't belong to me on my credit report. I have never been in any contract with them or any alleged company on there behalf. If this alleged account they have attached to my credit report isn't removed within 30 days of this complaint, under federal law I will be forced to file suit for the multiple federal violations they have caused to me.  

• Initial Complaint

  03/29/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I have not been made aware of a collection by phone, mail, or email and only learned of the collection on my credit when running a credit report for a new mortgage.

  Business response

  03/30/2022

  We received this account on 1/4/2021. Our initial letter informing them they are in collections was sent to the address given to our client at the time of service. This address is different than the one given in this complaint, however our mail did not return from that address. Naturally we have to assume the notice had been received. We are restricted to stringent laws and ways to make contact with these parties. If they do not respond to our notices or calls, the absolute last resort in our collection process is to report the delinquent account to credit. 

• Initial Complaint

  01/18/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I have a collection from Nemos collections and ************** in ********, **. I have ********** blue shield insurance. I got a Covid test, paid with my credit card, and left twin fountains. Mind you this test I had done was in 2020. Not once was I contacted about this outstanding ****. It wasnt until I checked credit karma that I found I had a random charge hurting my credit report. Nemos collections is terrible to get into contact with. I had waited this process out, I ended up paying the $112 outstanding charge that I really didnt think I owed anyways. Today is January 18, 2022. I paid this charge on December 30,2021. January 11th of this year i Nemos collections has posted me STILL owing money. I have the emailed receipt confirmation and I have the bank transaction that my money went to this fraudulent company. All I want done is this to be taken off of my credit report. And if I could get my money back that would be great as well.

  Business response

  01/19/2022

  We apologize for this human error and have located ********************** payment he made on 12/30/3021 and have posted this as of this morning (1/19/2022). I've also issued a $2.93 refund that was overpaid. We are in the process of manually deleting our tradeline off your credit as well. I'm unsure how long it takes for them to delete, but it should be within the next week or so, but I wanted to assure you this is in process. Please contact our office if you have further questions or concerns.  

• Initial Complaint

  01/11/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I had a balance with Nemo Collections company of $212 and then I paid the balance of $212 November 2021. This company is refusing to remove the account from collections.

  Business response

  01/12/2022

  We received this account on 11/2/2020. On 11/10/2020 according to the collector notes, ******************** informed us that she needed to follow up with our client and give them her current insurance information. That was the last conversation until 7/17/2021 our client put her account on a hold while they rebill insurance. Due to being a medical ****, we are not privy to any type of medical information other than the patients name, date of service,amount due along with the guarantors demographics (billing address, phone numbers etc). We received a call from ******************** on 12/14/2021 and she told us she wanted to pay now instead of waiting for insurance to pay, Ill deal with that later. We understand that insurances at times, take longer to pay than others, so company policy is that IF insurance pays, and weve reported to the insureds credit, we will delete our tradeline off their credit as a courtesy. Even though ******************** paid and NOT the insurance, we agreed to delete our tradeline as a courtesy in our next transmittal to Transunion. She paid us on 12/15/2021. We can only report once a month, so her file will be deleted in Januarys transmittal to the bureau. This is a courtesy, we do not have to do this, but we understand the circumstances and feel we are fair in offering to delete even though it doesnt fall into the criteria. Once an account is paid,the account is removed from collections. No further contact is necessary because there isnt a balance due. 
  

• Initial Complaint

  11/18/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On Tuesday November 16,2021, Nemos Investigation and Collect called and left a for **** message demanding I pay them an amount of money and made claims to false statements about me, my personal information, my credit and myself. These claims along with the information was never consent by myself or any family relative known. They are attempting fraud and illegally obtained my personal information. I have a crsgir score and documents to prove their illegal words on my name. I am contacting BBB to have them charged accordingly and my name documented in writing they have made false claims and document, I, Ashley ***************************** have been cleared of their allegations and show I, Ashley ***************************** am not held to their claims and by credit score the address is correct and corrected accordingly.

  Business response

  11/19/2021

  Our company records ALL incoming and outgoing calls for situations such as this. I pulled the call this complaint is referring to that was made by the collector on 11/16/21 at 3:45pm Mtn time to ph# ************. Unfortunately there isn't a way to attach the call to this answer, but it was VERY simply a message of who they are trying to reach--which was Ashley--not **** as she's claiming. The collector left her name, ph# and asked for a call back "at your earliest convenience". That's it! I have saved this call to the file so that you may call our office and we can play it back to you as evidence to your accusations. It is company policy to comply with the ***** and FCRA and will continue to do as we have always done.   

• Initial Complaint

  10/30/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am mailing the BBB a copy of my correspondence to NEMO's Collections that was sent to them by certified mail for your file. After receiving a copy of my Transunion credit report, I noticed that a collection account had been placed on my credit report from NEMO's Collections. I am unaware of any outstanding medical **** that I possess and that I was seeking the name and medical provider to which I owe. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that HIPAA does allow the release of limited information about me but anything more is to only be released with the patient's signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA.Therefore, my request is threefold, validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to them. Also, I request an original copy of contract with the original creditor that gives NEMO Collections to collect debt in pursuant to ****** Cease any credit bureau reporting until the debt has been validated by me. Also, until debt can be validated by me, I am allowed under the **** to have any debts in relation to be removed from my credit reports until the items can be validated should I require the necessity of obtaining outside legal counsel for myself. Please send this information to my law office listed on my letterhead and accept this letter sent via certified mail as my formal debt validation request, which I am allowed under the ****** Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the ***** because you will be deceiving me after my written request. I demand you discharge this account.

  Business response

  11/01/2021

  We received this account on 7/1/2021. Our initial letter informing you of your collection status was sent to the Sage Brush address on 7/7/21 and DID NOT return as moved left no address. Our client also sent several bills to this very same address prior to collections and the **** wasnt paid. Phone attempts were made as well. Your voice mail was full, and the collector was unable to leave you a message to call back. There are only so many ways we can try to make contact. Due to non payment, this was reported to credit for the first time on 9/10/21. On 10/15/21 we received your request for validation of debt. You also put us on noticewhich means we can no longer call you and can only communicate with you in writing. Validation of debt was sent to you on 10/26/21 also to the Sage Brush address. The description of services on the validation that was sent was redacted for privacy. This is in line with the ***** laws you quote in this complaint. The LAST resort is to report the debt to credit. Most consumers pay attention to their credit score and will make contact which was the case here as well. We received confirmation you paid this balance directly to the original creditor on 10/26/21. Confirmation was received, posted and will update as paid in full on your credit in our next transmittal. We are only able to transmit to Transunion once a month, so this will be updated between the 10th-15th of November.

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