Consumer complaint received 2018-06-15
Company: DCN Holdings Inc.
State: NV
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:
I was first contacted by XXXX XXXX on XX/XX/18 from XXXX, when I called the company back I talked with XXXX who informoed me I owed {$440.00} to XXXX XXXX XXXX   XXXX then hung up the phone. When I called back XXXX took my call, I had to verbal ask XXXX to stop yelling at me as she was being loud and abusive in tone. She threatened to sue me and garnish my wages. She told me she would not send me a validation letter she told me she would put me down as a resfusing to make a payment and told me she would tell XXXX XXXX XXXX to just go ahead and sue me. She refused to give me the companies professional license number and told me I could look it up on their website ( XXXX ) which I looked but can not find. When I asked for the website she told me, " are listening to me I already told you the website name! '' She then told me she would block my number and she would just sue me instead. When I asked XXXX for a vaildation of debt letter she told me " that I wasn't getting anything ''. I was contacted again my XXXX on XX/XX/18 he stated I owed {$440.00} again and told me he would take {$100.00} down on that day and I could make payments for the rest. I asked again for a written validation letter but they refused and would only send it by email. When I told him I couldn't pay that right now he told me he would let me pay {$320.00} when I again told him i couldn't pay that and asked to speak to his supervisor I was again threatened and was told by XXXX " oh believe me you don't want to talk to him '' when they supervisor came on the phone he told me I again owed {$440.00} and if I can't afford then I can't afford all the money a lawsuit would cost and that a lawyer would cost me {$200.00} or {$300.00} an hour and that they will sue me. When I asked about paying that amount XXXX told me about before ( {$320.00} ) the supervisor then told me I should of taken that offer then and now I owe the {$440.00} again. I then told them I couldn't pay that today and hung up the phone. XXXX then called me back a second later stating I could pay {$390.00} when I asked why I couldn't pay the {$320.00} as stated before he informed me that his supervisor overruled him, when I asked why he then hung up the phone on me. XXXX XXXX have been nothing short of abusive towards me. They refuse to give me their license number and refuse to send me a written debt validation letter. They yell and threaten me with every phone call with wage garnishment and expensive legenthy lawsuits. They use abusive language and keep changing the price I owe them based on their emotions towards me. They call me and leave voicemails stating how important it is that I call them back then they hang up on me. They are using scare tatics and threats and causing me a great deal of stress

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