Consumer complaint received 2023-10-30
Company: Credit Counsel, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2023 XXXX XXXX calls me and tells me he is the Attorney for XXXX XXXX. I informed him i am not paying another XXXX to XXXX XXXX because they lost all my mother in laws things and almost XXXX on her. He asks if i filed a complaint, i tell him yes and he tells me he has her files and there is no complaint in her files. We exchange some more words and i hang up on him. 
XX/XX/2023 XXXX XXXX calls me and leaves me a message stating that because i hung upon him that i must be feeling a sense of responsibility and that's why i am so defensive, and that the matter should of been resolved a year ago and that i am failing miserably.Tells me to get a lawyer to help me and that me being rude and obnoxious isnt gon na make it go away. 
XX/XX/2023 calls and leaves me a message saying that this is his final call and that he is going to have to move forward legally tomorrow the XXXX XX/XX/2023 XXXX XXXX calls me saying he doesnt understand why i hung up on him. I did what i did and I don't need him to tell me what i did and that i need to spend more time and energy on something more productive like making money so we could get something arranged. He tells me every time he talks to me my story changes, they stole her jewlery to they almost XXXX her to now you wan na make payments, now you wan na make complaints, its a whirlwind with you. youve been in my office for 2 months and havent made a payment. Telling me the situation ive created isnt pleasant. Waiting for me to put my energy into something more productive like getting these poor people compensated. 
XX/XX/2023 XXXX XXXX leaves me another message pretty much telling me he is gon na take me to court and that he got the notice from me filing a complaint. 
XX/XX/2023 XXXX XXXX calls me again XX/XX/2023 XXXX XXXX calls me again, stating its been over a year and that i have failed miserably at resolving the issue, communicating and good at filing bogus compaints. Tells me that i am intentionally trying to defraud his client and that they dont take to kindly to that. Tells me i dont seem too interested in paying the bill and I'm more interested in filing complaints and hope that they forget about me. 
XX/XX/2023 XXXX XXXX leaves me a message Tells me they are moving forward with legal action on the XXXX. 
XX/XX/2023 XXXX XXXX calls me, Stating he is XXXX XXXX Calling in regards to the bill. 
XX/XX/2023 XXXX XXXX calls me again stating he is XXXX XXXX tells me i am hiding instead of honoring agreement. I filed frivilas complaints with hopes of getting away with not paying the balance. Tells me he has talked to his client and they are COMING FOR ME. 
XX/XX/2023 I email XXXX XXXX and tell him i have filed a complaint against him with the XXXX and that i want no more contact from him, ive asked for someone else to handle my case XX/XX/2023 at XXXXXXXX XXXX XXXX XXXX emails me back, tells me that the XXXX doesnt pay delinqent bills, he has already demonstrated that i am aware of the bill. Tells me idle threats do not deture CCI, so why not offer a settlement now. I email him back stating that i want someone else to handle me case and i no longer wish to talk to about this issue. 
He emails me back saying the XXXX doesnt have the authority to remove him. Tells me it has become glaringly apparent that my intention is to defraud his client.He is going to re omend lidigation. 
at XXXX i message him back telling him he is wrong and that i can not afford to pay hundered dollars a month that i am on XXXX. and that i dont want to talk to him about this account any more. Emails me back telling me i have till Friday. 
XX/XX/2023 i email him telling him i can pay {$50.00} a month.emails me back declining saying {$150.00} a month. I tell him i cant do that, id be homeless

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation