Consumer complaint received 2023-09-23
Company: Allegiant Capital Recovery LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company recently reached out about a debt in which I said I could try to do XXXX at XXXX a month, and they said they could do that. I texted my father and heard back and he advised me to offer lower, as how I read the settlement amount for Allegiant Capital Recovery was wrong, and therefore the amount I offered was only a couple hundred below what the offered me as a settlement. Therefore, I never signed any proper agreement, gave my card info, nothing of the sort, but instead gave a new proposal that stated I read the document wrong and after advise Id like to propose {$750.00} in two payments. They said they could not do that. Therefore, I said they could send it back unpaid as I do not have the income to make one full payment and I will not pay anything over the {$750.00} at this time. They continued to call me. XXXX specifically. XXXX then called my brother a handful of times leaving voicemails saying she couldnt get in touch with me, which was a lie, as I had in fact contacted her and the company, it just wasnt the answer they wanted to hear. In TN, they may only contact one family member on one occasion. She surpassed this. Not only this, when I called, she repeatedly cut me off, talked over me, and then when I tried explaining the potential offer mix up she told me to have my parents pay it. On the same call, on XX/XX/23, I explained this wasnt my debt so to speak, that I was in an abusive relationship that forced me to get the debt and I had no way of getting out of doing it without putting myself in harms way, so I did what I had too, in which she said thats my own problem, they dont care, and that I should pick better people to be around moving forward because I did that to myself. Her statements were derogatory when I was beaten on numerous occasions and have the proof to back that up. At the end of the call I did lose my temper, I told her to go to he!! After saying that to me, and said to not contact me again. I also sent a couple of emails that said to stop contacting me as well as my brother given the circumstances. She has called numerous times throughout the week, well over the 7 times she legally has, and it is not considered abusive language and harassment. I am submitting a complaint here, to my attorney general of TN, and I will be speaking with a lawyer to pursue a case to sue her for her disrespectful, derogatory, harsh, inadequate, unprofessional, illegal tactics. She has called me over 4 times since our phone call on the XXXX which was 3 days ago. She does not deserve to have a job and I do not deserve to be harassed or have these things said to me when my abuser was in the car and took me to and from the place the debt occurred leaving me no option but to do it. When I say stop calling me, it means stop calling me. I let you know on the phone, and by email multiple times to cease contact with me. I had no problem handing the debt at a later date but after the way she spoke to me, I will be pursuing legal action. I spent so much time and money on therapy and counseling to build myself back up after what I went through just for her to knock me back down a few steps ( all so she can mark a debt as paid ). Its a gross tactic and I hope she nor her kids or family ever have to deal with an abuser. She also stated I set up an agreement ( which was never finalized and I never accepted or signed ) and she said I gave them my card info, which is also false. They either input fake numbers or used a prior card from the company, none of which are accurate and I did not consent to that, and her emails and calls and voicemails after the fact prove this.

Company response to consumer: Closed with explanation