Consumer complaint received 2023-01-19
Company: Jim Bottin Enterprises, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I spoke to a XXXX XXXX who stated he was a supervisor at XXXXXXXX XXXX XXXX XXXXXXXX for debt collection. I owed XXXX XXXX XXXX a balance of XXXX and was actually in the middle of a payment agreement with the XXXX  directly when I found out that they sold the account to this debt collection firm. Once I found out where the debt was sent to I called XXXXXXXX XXXX XXXXXXXX. From the very start Ive never had a pleasant conversation with anyone that I spoke to get this company theyre always extremely rude and threatening me in addition to using terrible business practices to XXXX XXXX that I had to do me to speak to a supervisor which is OK when I spoke to XXXX XXXX who assured me that if I made an arrangement to settle/pay the debt it would not be reported to The credit bureaus. He even stated if I needed to change XXXX of the future dates I could if something were to come up but as long as I pay them I would be fine. So initially I paid {$190.00} On XX/XX/XXXX and was set to pay {$190.00} on XX/XX/XXXX. I wasnt able to pay on XX/XX/XXXX because I had got XXXX XXXX XXXX and I missed over XXXXXXXX XXXX XXXX XXXX So I called them to change the date which I was allowed to for XX/XX/XXXX. On that day I was trying to call them several times and I never got an answer to make my payment and I also received a weird email the day before saying that I was paid in full when I was supposed to pay them the the day after. Once I realized my paycheck was not going to be enough because I wasnt getting paid for my missed XXXX XXXX I wanted to change the date for XXXX. The rep told me she could push the date out was XX/XX/XXXX. I ended up having the money early on the XXXX and tried numerous times to make a payment using a new card. I called them several again no answer after waiting long wait times just to be hung up on. I would be on hold anywhere from XXXX to XXXX minutes long and then someone would answer and just hang up the phone. On XX/XX/XXXX I received an email telling me that my payment was declined again how are you sending me an email telling me this when I cant get in contact with you to make a payment. I finally I spoke to someone days later and set up a payment for XX/XX/XXXX. I checked my credit report on XX/XX/XXXX and noticed that XXXX was put on my XXXX credit report. So I called them as soon as they opened this morning on XX/XX/XXXX I called XXXX times on the Fifth attempt I was finally able to speak to someone she was extremely rude like always and when I confronted her being hung on XXXX prior before reaching her and about this debt being placed on my credit despite me being promised that it would not be on my credit she kept speaking over me and said well anyways are you calling to make a payment or not. I told her youre not going to rush me through my car I need answers because you guys are liars do you have terrible business practices, its almost like when you know a payment is due and you do everything in your power to not be available so you can try to do some type of adverse action in affect the consumers credit which is not fair and its not proper business tactics. So I advised her I have the money to pay you guys thats not a problem but I will not pay you until I get written confirmation that my credit will not be affected and seeing though you guys have places dead on my credit I want verbal and written confirmation that you are going to remove this from my credit. She said she will not do that I ask for a supervisor she placed me on hold and then hung up the phone on me. I called back for the XXXX time after waiting about XXXX minutes I got hung up on. So I decided to call another number that I have in XXXX of the emails that was sent to me waited on the phone for over XXXX minutes the phone got disconnected. I am tired of fighting with them on trying to make good on a debt that I owe and XXXX taking responsibility for but I will not except him lying to me and placing the debt on my credit. They have never reached out to me ever since they received the debt from the XXXX its always been me reaching out to them so any emails or anything that they have seen that theyve called me they never have why should I keep calling down to XXXX XXXX that its almost like I am harassing them to make good on my deed. I took screenshots to show how many times Ive called them today and how many times Ive been hung up on want them to be penalized and I want this situation rectified. They promised me this collection would not be placed on my credit. I want this debt to be removed from my credit ASAP.

Company response to consumer: Closed with explanation