Consumer complaint received 2018-07-26
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2018, I XXXX XXXX contacted Customer Support via email ( XXXX ) and phone ( XXXX ) and spoke to Mrs. XXXX XXXX requesting information in regards to a debt owed to XXXX XXXX XXXX XXXX . Mrs XXXX was unable to provide me with specific contact information, so I request to speak to a supervisor in hope that he/she would be able to assist me further. After a brief hold, I was than transferred to supervisor XXXX XXXX. Once Mr. XXXX and I had a mutual understanding of the topic at hand, we proceeded with the issue. 

I informed Mr. XXXX that a payment plan was in place with XXXX XXXX XXXX XXXX, but after my payment made on XX/XX/2018 I was unable to access or make any further payments on the account. I also informed Mr.XXXX, that I did not receive any information or notification that the account would be transferred to Carter-Young for collections and was unable to continue to make payments as a result of not being provided the necessary account information. Before Carter -Young attempted to contact me or provide me with the necessary account information, the debt was reported and filed on my personal credit report.Mr. XXXX than informed me that Carter-Young has only had the account for 20 days as of XX/XX/2018 and that the failure of Carter-Young to provide me with the necessary information for the collection account is not his problem. I sternly requested that Carter-Young delete the reported collections off of my credit report due to their failure, but Mr. XXXX acknowledged his ability to delete the collection report but refused to except my request. After a few minutes of my continued failed attempts, Mr. XXXX became rude and began to speak over me and threatened to hang the phone up. I informed Mr. XXXX that hanging the phone up would become an issue and can result in legal matters as addressed in The Fair Debt Collection Practices Act. Mr. XXXX continued to be rude and said anything legal has to been sent in writing. I informed Mr. XXXX that it was not a threat numerous amount of times and insisted on resolving the collections issue. I informed Mr. XXXX that I am more than willing to pay the full debt within the next three months multiple times, but Mr. XXXX continued to speak over and eventually hung up the phone before the conversation ended. 

I called Cater-Young 's Customer Support line and spoke to Mrs. XXXX again asking for the call to be transferred back to Mr. XXXX 's line. She me informed that he was unavailable, but she could send me to his voicemail. Once transferred, I left a voicemail requesting his contact information and informing him that he should be receiving a written letter in the mail. I than called Cater-Young 's Customer Support line and spoke to Mrs. XXXX again asking for specific contact information. Mrs. XXXX provided me with the requested contact information, I thanked her for her help and the conversation ended. 

I would like to exercise my rights because acting overtly disrespectful as a debt collector is unexceptionable and unprofessional, especially when the consumer is welling to resolve the issue..

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