**Debt Collection Scam Network Targets Healthcare and Vehicle Loan Consumers**
A coordinated network of six debt collection companies has generated 1,825 CFPB complaints through suspected fraudulent collection activities targeting healthcare and vehicle loan debts. The network centers around Receivable Management Inc. (7 complaints), which has been co-reported with five other entities in nine separate relationship patterns. The largest entity, The Receivable Management Services LLC, accounts for 1,710 complaints alone, while United Group Inc. has generated 75 complaints in the vehicle loan sector. Additional connected entities include Medical Services Inc (4 complaints), Collections Inc (21 complaints), and ACCOUNT SERVICES INC. (8 complaints), all operating in the debt collection industry.
The entities demonstrate clear operational connections through co-reporting patterns, with all companies linked to the central Receivable Management Inc. entity. Notably, United Group Inc. shows a perfect confidence correlation (1.00) when reported alongside Medical Services Inc, suggesting coordinated activities between these two companies. The remaining seven relationships show moderate confidence levels (0.35), indicating consumers frequently encounter multiple entities from this network during collection attempts. This pattern suggests the companies may share infrastructure, databases, or operational procedures to target the same consumer base.
Consumer impact data reveals the network's focus on healthcare-related debts, with community reports documenting attempts to collect fabricated debts from major healthcare providers. One consumer reported receiving calls about money allegedly owed to Optum Health, which the legitimate provider confirmed was fraudulent, stating no debt existed dating back to 2014. Another consumer received a mailed notice claiming a $97.00 outstanding bill to United HealthCare Services due in December 2025, despite having no relationship with the company. These reports indicate the network creates false debt claims against major healthcare providers to appear legitimate.
Consumers contacted by these entities should immediately hang up on phone calls and avoid clicking any links in emails or text messages. Before making any payments, verify the legitimacy of debts by contacting the original creditor directly using contact information from your own records, not information provided by the collection company. Check your credit reports for any legitimate debts, and request debt validation in writing if contacted by collectors. Report all suspicious collection attempts to the FTC at reportfraud.ftc.gov and to the FCC for unwanted calls. Consumers can verify the safety of phone numbers and domains using online scam databases and reverse lookup services before engaging with unknown entities.
This debt collection network represents a high-threat campaign with significant consumer impact, evidenced by nearly 2,000 CFPB complaints and documented attempts to collect fabricated healthcare debts. The coordinated nature of the entities and their focus on impersonating legitimate healthcare providers makes this particularly dangerous for vulnerable consumers. Immediate action is recommended for anyone who has been contacted by these companies, including filing complaints with regulatory agencies and monitoring credit reports for unauthorized collection activities.