Consumer complaint received 2018-08-07
Company: Capital Accounts, LLC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had spoken w/ a rep from Capital Accounts regarding payment arrangements. I believe it was initially in XX/XX/XXXX. The gal told me that it would be reported to the credit bureau unless I give her my credit card or checking info. I advised her that I didnt want auto draft in case something happened that made the funds not avlbl. She said that it would be reported to the credit bureau if she didnt get those numbers so they can control the payments. I was confused as I advised I would make payments, and its not good enough? I asked to speak w a supervisor.

Her supervisor stated that as long as I made the payments that would be fine, but did reference their definition on payment arrangement & promise to pay. There is no way that I would have gotten off of the phone without her w/ agreeing that my payment arrangements were satisfactory as I was trying to pay. She wasnt disputing the amount of my payment, just that she had to have my banking info make official payment arrangements. She was nice, and wasnt trying to argue. I felt ok about the call as I let her know I wasnt giving them my info, and thought that the issue was resolved, w/ my biweekly payments. 
XX/XX/18 I received an email about a notification of a credit issue. I looked into it, and turns out they had referred the account to my credit, due to no payment arrangements. 
I called Capital Accounts, and advised I had talked to her before ( my specifically assigned rep ), and her supervisor about arrangements. She proceeded to give me the definition again about a promise to pay versus actually having payment arrangements. 
So, due to me not having given them my checking account or credit card info, it was now reported to my credit. So, according to them, I didnt have ANY arrangements, but they had the info about the prior phone calls. *I informed her the FDCPA doesnt state that you cant make payment arrangements w/o a checking account or credit card. * She informed me that is the way " they '' do it. I advised I needed her supervisor again. 
I was put on hold, and I sat there for about 10 minutes, until my call was disconnected. 
This call started at XXXX. Then, I called back on my next break at XXXX, XXXX and XXXX. Each time someone asked me to hold, and shortly thereafter disconnected my call EVERY time! 
XXXX, I finally asked the rep answering to get me a supervisor, and not my assigned rep. She was the same supervisor that I spoke w/ originally took my call back in XXXX (? ). I said I had been hung up on repeatedly, but her response was that they dont show I called between the last convo w/ the other rep. I dropped it, because I was going to turn blue trying to tell her about how many times I was hung up on by my assigned rep. I went on to tell her my issue w/ my credit, and was snippy about it, and reiterated the previous reps spiel. That no credit card or checking info would not make any arrangements with them, just a promise to pay and that didnt qualify as arrangements w/o my cc or cking info. *I advised her the last time I had reviewed the FDCPA, it didnt have any such stipulations*. She said that was the way it was at their company, and there wasnt anything they were going to do to change it. I am very upset that my credit score dropped more than 50 points ( at that time I checked it just before and after ) due to this collections report. I made the payments available to them, and they did credit the account as it was originally just over {$2000.00}. I dont think its legal to report me negatively on my credit only because I didnt give them my CC or cking acct info. I was making payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation