Consumer complaint received 2019-07-18
Company: Partners Financial Services Inc
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
First and foremost XXXX is good, despite the stress that is caused by debt collection agencies such as PARTNERS FINANCIAL SERVICES INC. of XXXX Missouri. They are not partners with consumers they partner with companies to install fear, anxiety, anger and stress. It wont work. They are very complicated when they can just keep things simple. 

I am a XXXX veteran whom went to XXXX XXXX XXXX with XXXX XXXX XXXX. I later became employed as a XXXX XXXX. I worked months before I was hurt on the job, terminated and later became XXXX. I had no money or healthcare for more than 12 months. XXXX XXXX. XXXX. placed my school fees in collection status after 4 months of non payment, Although i continued to communicate with XXXX they still placed the fees in collection status without a warning. Currently i have resources, though very limited resources, I would still like to pay off the debt, however XXXX & partners financial are making that extremely difficult for me with there words, manners, lies and disconnections of the phone call. After months of calling the agency has agreed to settle by 20 % off discount only. This is still very overwhelmingly expensive. {$3900.00} is the original amount due, now {$3100.00} with 20 % off. They have my hardship letter documented. they know i am a XXXX veteran. they know i have an XXXX XXXX XXXX  and that i am currently with XXXX. they know i would like to further my education using GI Bill but can not due to the collection over {$1000.00} dollars. they do not want to work with me or negotiate. instead they come like they are playing hard ball with my life. their language is usually harsh, abusive and dishonest. between the original creditor ( XXXX ) & the collection agency ( partners financial ) someone is always blaming the other company for what they can and can not do or can and can not negotiate. i am left with confusion wondering who is the boss and who is the worker. they seem to want to keep me in debt and that is not right ethically ir spiritually. they are not good partners at all. the only services was offered was strictly 20 % discount. i was told maybe i could receive a 25 % discount which is {$2900.00} i would owe. i told the company i have {$1900.00} to pay today between myself, my husband and my grand Aunt who have put together our limited resources to help my case. they say NO! I was misled because i had saved my money and begged to borrow from my family to have what i needed placed in a seperate savings account just to have a headstart before i called the company. the first time i contacted the company before creating a savings plan they led me to believe that they would negotiate fairly. they have not. the company should have made me aware that they could not negotiate below a certain amount, rather than get my hopes up only to shoot me down. they had been rude and unpleasant from the very beginning, i overlooked their manners for the greater good. they mock me and scold my offers and disconnect the phones before I complete my entire statement. The language at this company comes off like personal issues. I was told that regardless of my hardship and others who may be in far worse hardships than my own will not change negotiations on debt settlements. Terrible.

Company response to consumer: Closed with explanation