Consumer complaint received 2023-10-18
Company: Radius Global Solutions LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got a call in regards to a debt that I do not recognize and have never received a bill for. I told the debt collector that I currently do not have the money but that I could settle the whole thing for {$100.00}. He started laughing at me and saying that there was no way I would be able to settle a bill that high for that little amount of money. felt that he was belittling me for being poor because he also had an exaggerated mocking tone.He then started saying that I would have to do a {$50.00} a month payment plan to which I responded that I could not afford that much. He then cornered me into admitting that I could potentially afford a {$10.00} a month payment plan. I kept telling him I have never received a bill for this I dont know what it is and I really just want to receive a debt validation letter before I take any more action. He was arguing with me, saying that he does not need to send me a debt validation letter, because all of the information, including the debt validation letter would be on their website. He then proceeded to show me the website, and once I was logged in, I saw that the only information available was a balance and my name, and my date of birth. And I told him that this was not enough information for me to pay him right then and there. We argued back-and-forth for a couple more minutes about whether or not I should be able to receive a debt validation letter. He tried to manipulate me into promising that I would do a {$10.00} a month payment plan if I received the debt validation letter. he basically said that it needed to be that exchange. I told him no I would need to read over it make sure it was accurate and speak with a lawyer. He was becoming more and more upset and starting to get aggressive in his tone, and volume that he was using with me. I told him that I felt that he was being very unreasonable, and that I had never spoken with a debt collector who is being this unreasonable. He would not let me get a word in basically this entire conversation, and at this point, he was speaking very rapidly, and I felt that he was speaking nonsense, so I hung up on him, I could very much tell that he was trying to coach me and just saying certain things trying to make me feel like I had no option to think about what I was doing before I paid him. I also felt that it was very strange that at one point in the conversation he said, I old one bill for about XXXX but add another later point in the conversation he said that this was the sum of three bills. I also told him that I was frustrated and confused with the situation, because had I received this bill I wouldve been able to apply for XXXX XXXX or financial assistance or just do something to square it away in general. He told me that this is not true, because it was a physicians bill that there is no way any of my insurance couldve covered it, and that there is no way I wouldve been able to get financial assistance. I felt that he was very much manipulating me into making a decision right here now to give him my credit card information over the phone.

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