Consumer complaint received 2020-01-21
Company: National Bond And Collection Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I got a phone call from XXXX XXXX at XXXX from the national bonds ( debt collectors ) and she immediately went into a hostile tone of voice saying i had bad checks and i needed to submit a payment, etc. I told her i was a XXXX XXXX which i am in college and i dont make as much as i was before. So what can i do if this is the case. She became very arrogant over the phone. She began to speak in a ruder tone sarcastic tone. She repeatedly kept saying almost like mocking or making fun of that i had two bad checks because she just kept saying it over and over again. I then asked her if there was a smaller amount i could pay monthly and she kept over talking me interrupting me speaking louder or over me, she then said she was going to report me to the XXXX county jail   that i am delinquent and refusing to make a payment. This company has threatened me numerous occasions that they are going to report me to the jail for refusal to pay when i never stated in any calls that im refusing to pay but may need to pay smaller amount until i work XXXX again. XXXX actually hung up on me in mid sentence. I called back to speak with her supervisor and another women picked up she told me if i had a problem with them to contact XXXX  county jail so i called them they didn't help i called back and was transferred to XXXX she was almost like laughing at the fact when i told her i just got off the phone with XXXX county jail she said " why would you contact XXXX county jail '' i said " the women i just spoke to told me to before i called back again and was transferred to you. XXXX was yelling over the phone and kept yelling i told her behavior was inappropriate over the phone and it is very disrespectful to hang up on someone she then lied and said i hung up on her. Why would i hang up on myself if im still talking through the phone? She kept saying " I dont give you my permission to record me '' she yelled it about 3 times over the phone and i have no idea why. I never said i was recording her at all. This phone call was horrid. Absolutely horrid both females were telling me how to talk to them when i was not disrespectful at all i was hung up on trying to explain the situation and find another solution to paying the debt owed but in school XXXX. This company always threatens to report me. XXXX said " if i dont receive payment by the last day of the month shes reporting me to the jail ''. This is not appropriate. I called back and spoke to a man named XXXX XXXX and told him what was said and he also stated that was uncalled for and not appropriate at all. I told him everything XXXX said and did and that was not appropriate at all XXXX stated. So if another associate from this same company feels that i was spoken to incorrectly and treated unfairly or less than then that should tell you that XXXX XXXX behavior is unacceptable. I have been spoken to by many associates from this company disrespectfully, threatened, hung up-on and talked to like a child or a dog. Almost every situation it has been by a female caller. This company must know me very well because everytime i call they answered by saying " is this ms ... ...? 


Abusive language is defined as language which. insults, taunts, or challenges another. under circumstances in which such. conduct is likely to provoke a violent. response.XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Abusive Language Definition - XXXX

Company response to consumer: Closed with explanation