Consumer complaint received 2020-03-23
Company: Diversified Consultants, Inc.
State: NJ
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 came to the United States on the XX/XX/2018 to seek XXXX and was XXXX  at the airport. For the period of being XXXX  while my XXXX  case was on going I lost contacts with family and friends. I was released on XX/XX/XXXX same year. 
After getting my social security number I contacted XXXX for a single line and Phone to contact my people and let them know I am safe. 

Despite my plea for a single line and phone. I was forced to take 4 lines after they conducted a credit check according to them. I explained I do not need 4 lines they said I should take or leave it. Since they are they only one that was ready to take my social security card as an ID I had no option. 

The whole amount was agreed to be XXXX. I was told to pay XXXX that very day. I did. Subsequently I was paying XXXX, next month they increased to XXXX. I called to complain they couldn't do anything to help me. Later it increased to XXXX. I called to complain no redress was done. Finally it went to XXXX and the in last Month to XXXX. Then I called and requested for a return Kit because I decided to move my number to a different Communication organisation. They sent the kit after 2 months because I kept calling. 

I return the phones in very good conditions and they acknowledged it. 

Last years XXXX I noticed a collection account on my credit reporting account by XXXX XXXX I disputed it and had to report it to Consumer Protection Board. The case was looked into and I agreed to pay the last bill of XXXX. The case was removed and I have made several efforts to pay XXXX the said XXXX but they were never cooperative. I have been to the shop I bought the services they said they are not authorized to receive payment on closed account. That I should call. I called after speaking with the first person they always said I need to speak with manager who never come on line despite being on hold for over an hour. 

Last week Friday I noticed my credit score dropped sharply again. I saw the account and number and called out of great concern to know who they represent and it was stated they represent XXXX. I was enraged as it became clear they are poised to destroy my credit standing. 

I called Diversified consultants and explained to them this is the situation I have returned the phones and is willing to pay the last bill and nothing more because I have returned the phones and they sure must have put those phones to making returns. The Diversified consultants representative threatened to destroy my credit for the next seven years and that they are only mandated to collect the money from me and not to help me. After shouting we calm down and she stated that if I can pay the XXXX ( which was wrong as the actual last bill was XXXX ) that they they will withdraw and notify XXXX as they were not informed I returned the Phones. 

To my surprise the update on my credit report was the original sum less the XXXX. I felt like being stabbed by Diversified Consultants.  They actually stated as being without mercy for helpless consumers and was vociferous in their threat to destroy my credit for 7 years. 

I plead the consumer financial protection body to come to my help. I am not making enough to accomodate all these created debts they are pushing my way. XXXX could testify I pay my bills ahead of time. This will destroy me if they are allowed to get their way. They are both fraudulent and conspirators.

Company response to consumer: Closed with explanation