It sent before I could add at the bottom 'wouldn't give company name' and btw... The people saying 'just pay your bills' in this thread are obviously from the scam.
ROI is, in fact, a collection agency. But I don't understand why they'd call someone in the military since the military provides all medical care of active personnel and dependents. Maybe it's a debt from some earlier visit to a doctor somewhere. But they shouldn't have talked to you that way.
Fine. Then why didn't ROI tell the party on the line the reason for the call? Why do they NOT identify themselves. I'll tell you: Because they are a debt collection company. Debt collection companies are NOTORIOUS for not giving you their physical address.
No question of protecting anyone privacy. It's just a scam call, not matter how you look at it.
But in this case that argument is stupid since you can google ROI and get all that information.
Bottom line: Stupid debt collector.
Tell you what--it'a been ME--that debt collector would have gotten exactly what he gave and then some.