Complaints

This profile includes complaints for Rosenthal Morgan & Thomas Inc's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Rosenthal Morgan & Thomas Inc

  514 Earth City Plz Ste 220 Earth City, MO 63045-1303

• 

  Rosenthal Morgan & Thomas Inc

  12747 Olive Blvd STE 250 Saint Louis, MO 63141-6278

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Rosenthal, Morgan and Thomas sent me a collection notice from Brinks Security. I email them and advised that I did not ********** Security any funds. Two days later, I was called by a ***resentative telling me that I owed the funds. I advised the *** that I had documentation showing I did not owe Brinks Security. She did not care. Now I have a notice that I did not file a dispute so now it will go on my credit ***ort. This is unlawful. I need this resolved right away. ******* ********

  Business Response

  Date: 04/16/2025

  Rosenthal, Morgan and Thomas is a third party collection agency.  The account pertaining to ******* ********* with ****** Security, was placed in our office on February 3,2025.  We sent Ms. ******** a letter dated February 3, 2025, notifying her that her account was placed with our office and the means to either pay the balance, send us a letter disputing the debt or contact us to discuss the matter. We made several attempts to contact her, and on March 20, 2025, we spoke to her explaining the status of her account. She indicated that she submitted a dispute to which we let her know that we never received it.  We then asked her to resend the letter and provided her the information by which to do so.  ********** never received any such letter.  Then on April 11, 2025, we received notification that Ms. ******** filed a complaint with your office (BBB).  We requested and received the documents from the creditor validating the debt.  We have sent Ms. ********* this information to review.  We look forward to discussing this situation with Ms. ********* and resolving this matter with her. 

• Initial Complaint

  Date:01/03/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The worst and dishonest trading company that I ever have had the misfortune of dealing with. They are, in my mind, criminals. I requested a withdrawal of $780,000 from my account. And in about 7 hours, the withdrawal had been put back into my account. Then my account was traded illegally within 11 trades taken and losing all the money. I complained to this company and they didn't give a **** about it. I had to reach out to buglass teams via Email (frankbagdan @ gmail com) to assist me in getting back my money. Glad I have all my money back now.

  Business Response

  Date: 01/16/2025

  Rosenthal,Morgan and Thomas (RMT) is a third party collection agency.  RMT is not a financial trading exchange company and therefore do not hold any personal assets for anyone.  I believe that ************** has Rosenthal, Morgan and Thomas confused with another company.  We don't show her name in our system either.  If she would like to provide more information, we would be happy to assist her with clarification.

• Initial Complaint

  Date:10/24/2024

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company keeps calling me repeatedly requesting an individual that is simply not myself. They ask for "****** ********" I am not "****** ********" and I have never had this name, my name is "******* ********", they have the wrong number yet continue calling my phone number: ************** despite it having nothing to do with their target individual.

  Business Response

  Date: 11/04/2024

  Rosenthal, Morgan and Thomas is a third party collection agency.  We are in receipt of the BBB complaint filed by ******* *************** The account pertaining to ****** ******** was placed in our office by our client on April 10, 2024.  We sent a letter ******************** ********, of this information.  We then made attempts to contact Mr. ****** ******** via calls using the numbers provided to us.  At no time were we able to make contact with Mr. *************** Since we never spoke to Mr. ******* ********, we were unaware that we were calling the wrong number until we received the complaint issued by him.  We have since removed that number.  Mr. ******* ******** will no longer be receiving calls from our office regarding this matter.

  Customer Answer

  Date: 11/05/2024

  Better Business Bureau:
  
  I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution. 
   
  Sincerely,
  
  ******* ********

• Initial Complaint

  Date:10/11/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Date of the transaction: The debt was transferred to Rosenthal Morgan & Thomas on May 13, 2024.Amount involved: The debt being pursued is $495.36.What the business committed to provide you: Rosenthal Morgan & Thomas is acting as a debt collection agency for ******************* and is attempting to collect the amount of $495.36. They are required to follow federal laws under the Fair Debt Collection Practices Act (*****) and the Fair Credit Reporting Act (FCRA) during this process, including providing proper validation of the debt when requested and ceasing communication when asked.Nature of the dispute: Rosenthal Morgan & Thomas has engaged in harassing, hostile, and illegal behavior. Despite my request for validation of the debt, I have received daily harassing phone calls from their representatives, including ******* ***** and ***** ******. On October 11, 2024, ******* ***** threatened me with a lawsuit and court fees without validating the debt, a violation of ***** 807. Both conversations, including the hostile behavior of ***** ******, were on recorded lines. Additionally, they have failed to provide full validation of the debt, as required by ***** 809, and continue to contact me, violating ***** 806 and 805(c).What resolution you are seeking: I am requesting that Rosenthal Morgan & Thomas:Cease all communication with me, including phone calls, emails, and letters, in compliance with the ***** 805(c).Provide full validation of the debt, or confirm that the debt is invalid if they are unable to validate it.Remove any negative credit reporting associated with this debt under **** 611(a)(5)(A) if the debt cannot be validated.If the debt cannot be validated, I expect the debt to be forgiven and all collection efforts to cease.This matter has caused significant stress, and I would appreciate a timely resolution that adheres to federal law.

  Business Response

  Date: 10/22/2024

  Rosenthal, Morgan and Thomas (RMT), is a third party collection agency.  The account pertaining to *********** ******* with Extra Space Storage, was placed in our office on May 13, 2024.  We sent him a letter notifying him that his account was placed with us and how he can either pay the debt, dispute the balance, or the means by which to contact us to discuss the matter.  The first time we spoke to him was on October 11, 2024, when he called us to discuss the debt.  When we attempted to confirm his identity he refused, so we explained that we cannot disclose any information until we get confirmation that we are speaking to the correct person.  He disconnected the call.  Several minutes later Mr. ******* called back and spoke to another representative who also explained the same thing.  Mr. ******** once again he disconnected the call, without verification of his identity. We are not trying to be rude but have to protect his information and can't disclose any data without verification. This protects him and RMT. On October 14, we then received notification that Mr. ******* filed a complaint with the BBB.  Per his complaint, he asked to have the validation of the debt provided to him.  We contacted the creditor and received the documents, validating the debt, which we have sent to him. In his complaint, he also request that RMT cease and desist from any additional collection attempts.  We have ceased collection activity and will no longer make any further attempts to contact him regarding this matter, unless he authorizes or initiates contact with us. We would be happy to work with the BBB to resolve the matter.

  Customer Answer

  Date: 10/24/2024

  Complaint: 22412851

  
  I have reviewed the business' response and am rejecting it because:

  
  Communication on October 11, 2024: While Rosenthal, Morgan, and Thomas (RMT) state that the first contact was made on October 11, 2024, their representatives were hostile during both conversations. The representative ***** ****** was aggressive during our first call at 2:19 p.m. CT, and ******* ***** threatened me with legal action and court costs during the second call between 2:25 p.m. and 2:30 p.m. CT. These actions violate the Fair Debt Collection Practices Act (FDCPA), which prohibits threats and misleading representations.

  
  Verification of Identity: Contrary to their claim, I did not refuse to verify my identity. I sought to verify the legitimacy of the collection efforts and was met with an inappropriate tone from their representatives, which led to me ending the call.

  
  Cease and Desist Request: My cease and desist request was sent in writing on October 11, 2024, not in response to this BBB complaint. I expect that *** will fully honor the request and cease all further communications unless legally required.

  
  Debt Validation: While I have received documents related to the debt, I am continuing to review them. I still request a complete and transparent validation of the debt, including a breakdown of fees, interest, and confirmation that the debt is within the statute of limitations in *****. If the debt is not properly validated or is outside the statute of limitations, I expect that all negative credit reporting will be removed as per the Fair Credit Reporting Act (FCRA).

  
  Resolution Sought: I request that:

  
  Rosenthal, Morgan & Thomas provide full validation of the debt, including a detailed breakdown and legal authority to collect.
  Any negative credit reporting associated with this debt be removed, especially if the debt is not properly validated.
  My cease and desist request be honored, and no further collection attempts be made unless initiated by me.
  I reject the business' response because the behavior of their representatives was unprofessional, and my requests for debt validation and cease and desist have not been fully addressed.

  
  Sincerely,
  *********** R. *******

• Initial Complaint

  Date:08/17/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The company sent me a letter stating that they were a collection agency and were trying to collect a debt. It further stated that if I disagreed I was to call **************. I called and a recordings stated no one was available to speak to me. Then they requested I leave a message and someone would get back in touch with me. I left a message however, no one has gotten back to me. The letter further stated that I could go to their website at www.rmtcollects.com. I attempted to do that. I left two messages to no avail. I noticed that the website and letter have different addresses for the company. I am not sure if this is a scam to get money from me or what. They state that they represent a company that I stopped doing business with in February 2024. The letter goes on to state: "Notice: See reverse side for important information. 100. There is nothing on the reverse side of the unsigned Xeroxed letter.

  Business Response

  Date: 08/21/2024

  Rosenthal, Morgan and Thomas is a third party collection agency. The account pertaining to ********************* was placed in our office by Brinks Security on August 8, 2024.  Rosenthal,Morgan and Thomas (RMT) sent him a letter on August 9, 2024, notifying him that his account was placed in our office and that he can resolve the account by either paying the debt, disputing the debt, or to contact us to discuss the matter.  On August 19, we received information regarding Mr. ******* complaint. His complaint reads that he left a voicemail message requesting a call back.  He also states that he sent us emails through our website.  We received one voicemail message from him on August 16, 2024, after our office was closed for that day.  Per his voicemail, we contacted ****** and requested a copy of his contract along with his payment history.  Per his request, we sent him both.   We welcome the opportunity to work with **************** to resolve this matter. 

• Initial Complaint

  Date:08/16/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They called saying I was in breach of contract with Brinks. However, my contract with ****** ran out in February of 2023, I signed a 3 year with them in February of 2020. I continued paying automatically until September of 2023 when I remembered that I could stop it. I kept trying to cancel on the phone with them but they wouldn't . I asked for copies of my contract and never received them. When Morgan Rosenthal called they refused to send me my contract but instead just kept reading the part they say I signed telling me my contract was supposed to auto renew every three years. I asked for proof and they told me that's not how this works. So I am just supposed to pay a bill based on your word? Why can't I see the proof that I owe the money?

  Business Response

  Date: 08/21/2024

  Rosenthal, Morgan and Thomas is a third party collection agency. The account pertaining to *********************** was placed in our office by Brinks Security on April 5, 2024.  Rosenthal,Morgan and Thomas (RMT) sent her a letter on April 10, 2024, notifying her that her account was placed in our office and that she can resolve the account by either paying the debt, disputing the debt, or to contact us to discuss the matter.  Since then, our office has made various attempts to contact her.  On August 16, we were able to speak to ************** where we explained the status of the account and the possible ways to resolve the balance due. Then on August 19, we received information regarding **************** complaint.  Her complaint reads that she tried to cancel the contract via phone calls but ****** wouldnt cancel.  Per our conversation with her on August 16,we requested and received a copy of her contract dated February 13, 2020.  On paragraph 2, under the topic: Terms and Conditions, it clearly states that the agreement will automatically continue on a month-to-month basis after the initial 36 month term.  And at the end of the initial term or any period thereafter, cancellation of the agreement requires a 30 day written notice of cancellation with signature via electronically, mailed or faxed.  We sent ************** a copy of the contract, along with a copy of her payment history and an extension letter dated August *******, which indicates her agreement to extend the original term of the contract by 31 additional months.  Per her request, we have closed her account in our office and will no longer be contacting her regarding this matter.  

• Initial Complaint

  Date:05/30/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a call from this company due to having a Life Storage Unit. The Life Storage was paid monthly never missed a payment. I call Life Storage in September and let them know I would not need the unit any longer because I was moving and asked how longer after the last payment was paid that i would be able to retrieve my things she said I would be able to get in the gate 7 days after the payment was paid I paid this payment and retrieved all my thing accept a couch and bed. I was made aware that these things would be auctioned off if I didn't come pick up. I didn't go back and pick these things up so they were auctioned off. I wasn't aware that I would be charged for every month until they were auctioned off. I requested a call from a manager (complaint submitted here) but never received a call. The next couple of months i get a call from a rude cold woman from this third part so called law firm threating me about suing. Every since then everyone I have spoke with was rude and annoying more so with their scare tactics they try and use. Today 5/30/24 I received a call from a woman that was very condescending and rude from the moment she called. In the middle of me talking she slammed the phone down and hung up. I called back and she lied and said they had phone issues but clearly, she hung up once again we got nowhere.

  Business Response

  Date: 06/12/2024

  Rosenthal, Morgan and Thomas is a third party collection agency.  The account pertaining to *************************** was placed in our office on January 9, 2024, by Extra Space Storage.  We sent **************** a letter notifying her that her account was placed with us and the means by which to remedy the debt.  She can either pay the balance due, dispute it, or contact us to discuss the matter.  We acquired a copy of the lease originated and signed by ****************, as well as a copy of the payment ledger.  After she vacated her belongings, **************** knowingly left several items in the unit with the anticipation that it would be sold at auction facilitated by the site.  Per her complaint, she claims that she wasnt aware that she would be charged for every month until the unit was up for auction.  Even though **************** paid in full when she vacated the unit, she was still charged the foreclosure fee as stated in the lease and the time from when she vacated the unit through the anticipated auction, since the facility could not rent the unit until it was emptied and cleaned.  We are willing to work with **************** to resolve this matter.

  Customer Answer

  Date: 06/13/2024

  Complaint: 21780402
  
  I am rejecting this response because:
  
  I have never received a letter from your company. The many times you all called my phone you were very rude and combative. Ive spoke with different employees and was spoken to very rudely and hung up on as well when I returned the energy I was given . Your office has not tried to work with me even after I offered a payment arrangement I could afford. You all declined and  threatened to **** So now we are here still with no resolution. Furthermore I requested a manager call me back from the storage to discuss the amount I should not been charged. In addition I wasnt aware of being charged even though there were only 3 items left.
  
  Sincerely,
  
  ***********************

  Business Response

  Date: 06/17/2024

  ******************** account was placed with our office on December 6, 2023.  We spoke several times with her on January 23, 2024, January 29, 2024, on February 26, 2024, March 26, 2024, April 12, 2024, May 13, 2024, and May 30, 3024.  We attempted to make reasonable arrangements to help her resolve the debt.Thereafter, we were notified of the complaint she filed with the BBB.  In order to resolve this matter, Extra Space Storage has agreed to settle the account for 50% of the balance due.  

  Customer Answer

  Date: 06/18/2024

  Complaint: 21780402
  
  I am rejecting this response because:
  
  Can this arrangement be paid in 2 payments? 
  
  Sincerely,
  
  ***********************

  Customer Answer

  Date: 06/21/2024

  I am confused on how this case was closed for a good faith attempt when I responded with a question to their last response ? They asked about a settlement I asked can that be made in 2 payments, this is not resolved 

• Initial Complaint

  Date:05/28/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Physical threats

  Business Response

  Date: 06/25/2024

  We are in receipt of your letter disputing the above-mentioned account.  Enclosed are documents, provided by the creditor, which validates the debt.  Please review the following sections of the attached contract and any other pertinent documents provided then contact our office to discuss this matter further.

  1. The term of the agreement along with its renewal period.
  2. The cancellation clause.
  3. The section which specifies you have read and understood the terms and conditions of this agreement.
  4. The signature acknowledging the agreement between both parties.

  We look forward to resolving this matter in a timely fashion.  Our office hours are 9:00 a.m. to 9:00 p.m. Monday through Thursday, 8:00 a.m. to 4:30 p.m., Friday and 8:00 a.m. to 12:00 p.m. Saturday **************** Time.

• Initial Complaint

  Date:12/01/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Great afternoon Hope all is well. I had a balance with ExtraSpace where I couldn't pay them and the unit was auctioned off. I received a text once the items was removed saying thanks for moving out. I was never told by extraspace that whatever we sell your unit for doesn't meet the balance you have to pay the difference. I get a call from these rude people at Rosenthal Morgan and Thomas about you need the pay the balance now. Starts screaming out the top of their lungs (calls are recorded) which is very unprofessional. I clearly asked them let me reach out because they process doesn't even sound right. I have been waiting for the District Manager to reach out to me (***) since November 17. I got another rude person today that called saying we are going to tell them you are not going to pay and hung up. Once again call recorded and that's not what I told her.

  Business Response

  Date: 12/06/2023

  Rosenthal, Morgan and Thomas is a third party collection agency.  The account pertaining to ************************* with Extra Space Storage (ESS) was placed in our office on November 9, 2023, with a balance due of $733.22.  We requested and received a copy of the lease signed by **************** dated February 28, 2022.  Per the lease, the customer is required to pay the remainder of the balance due, if the sale of the unit is less than the balance due. Please read the default clause of the consumers agreement.  We will gladly work with **************** to resolve this matter. 

  Customer Answer

  Date: 12/17/2023

  Grand rising

  Hope all is well. I did not receive a response on this case. I'm sorry if I missed it or overlooked it. The third party agency did not handle the call that way. I was not aware when Extra Storage sells the space that I owe a balance if it did not meet their requirements. Furthermore they brought out the previous company that runs it. I will have to see what they lease agreement says which I probably don't have since everything is gone. I don't want this third party collection agency calling because they are very unprofessional with talking with me.

   

  Thanks 

• Initial Complaint

  Date:10/11/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  So I had received call from this company a few weeks back and everytime I call them back I get voice mail now they a condescending and aggressive. ******* **** ext ***. So she answers the phone asks me if I lived ****** St. In ******. I said what is this about she said it was the address I had on my ID When I opened the account. #1 I haven't lived in ****** in 25+ years and never had an ID with ****** Street. She say it's an old account she does the point of identity checklist by saying my birthday I said yes well you owe extra space and we're collecting $640. and I was cut off. I said how can I open an account with that address I lived there 25+ years ago? She said sir let me tell you we have your address as *** ** **** ***** ******* and I said what are you talking about you just said ****** St. And I tried to say my bill was paid and she wouldn't let me speak. would not even let me speak she said she was being courteous and talked over me I wasn't hostile until I said courteous is mot speaking over some one. She hung up on me after I sat and listened to her talk crap. So I called back to report her in the company for unprofessionalism. He takes my info said I refused to pay and I try to say but I have an email stating otherwise and he cuts me off before I get out 3 words. I continued to say but hey it's paid and he says you are not going to dominate this conversation. meanwhile I've said 10 words and listened to his every growing hostility because I want to know the details. So in my prior contacts I stated that before I speak on the phone send me an email with full disclosure on the account. he says we have restrictions on how we can contact you and we could do it that way but it's going down as refusal to pay. Meanwhile my mind is spinning from this carny talking auctioneer. He says it's not like someone went into your storage and got this information to open an account. I called him every name. They r Gas lighting. THEY Got my info from credit check

  Business Response

  Date: 10/19/2023

  Thank you for your contact. Rosenthal, Morgan and Thomas Inc. is a third-party debt collector. On 12/12/22 ********** ******* placed the account with our office. We sent the consumer written notification as required by law. Advising him that the account was placed in our office. The letter advised him of his rights to dispute said debt, our contact information and a link if he wished to make a payment. Prior to 10/10/23 we had no contact from the consumer, mail return, nor any form of dispute after months of RMT attempting to contact the consumer. Upon his contact 10/10/23, We attempted to verify RMT was speaking to the correct party, so as not to disclose any personal information to a third-party. After finally confirming we were speaking to the correct party. The representative attempted to explain the situation to the consumer and advised him that she could forward him validation of the debt. The consumer was not satisfied with this option and requested a manager. The manager then attempted to verify where to send said validation information. The consumer again did not want to provide updated information. The account was placed in a dispute status and validation requested from the creditor. This information will be sent to the consumer at the address we have on file and await his response. Should he have any information he would like provide us proving, that the account was paid in-full. He is more than welcome to do so through the BBB or directly to RMT at ********************.  Our business hours are listed on all notifications sent to the consumer. We are available Mon.- Thur. 9 am-8 pm. central standard time and Friday 8 am. - 4:30 pm central standard time. We look forward to hearing back from the consumer and helping him resolve said matter. Please let us know if any additional information is required.