Consumer complaint received 2019-02-11
Company: Diaz & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
To whom it may concern, I XXXX XXXX  started services with XXXX XXXX XXXX XXXX. As of today, I was in 100 % debt. They, as of XX/XX/XXXX reduced my debt to 83 %. The only problem I am having now is with Diaz & Associates. When I started with XXXX, Diaz & Associates were no where in the picture. The account in question-XXXX  XXXX. For some reason, they sold the account to Diaz & Associates. The account was at {$9700.00} which was sold to Diaz & Associates and they, in turn has the account be owed as {$10.00}, XXXX. I was told by XXXX account representatives to have all of my creditors to call them about any payments I owe. I was called by someone by the name of XXXX from Diaz & Associates LLC about it being imperative that I get in-contact with them ASAP! I called the number and spoke with him. I told him about the services I had inquired with the XXXX to handle and my finances when it comes to paying creditors I owe, that I could no longer afford to pay due to financial hardship from my on-call job. 

During the months of XXXX and XXXX, I had telephone calls left on my voicemail from Mr. XXXX from Diaz & Associates. It was he that told me that if we do not here from you as soon as possible, that we are going to have to reach out to your employer to collect this debt. I got scared and called XXXX to let them know what had transpired and they told me to make note of the number of telephone calls received/left. He only left two a day. Last month, I talked to someone from XXXX XXXX XXXX  and she told me to reach out to you-CRFA. She told me that she looked at my credit report and it is listed as a chargeoff/collection. She explained it to me and I understood somewhat, but why is they looking for me to pay the full amount when the account was charged off. What one of the lenders shared with me was to contact you and to also contact Diaz & Associates to see what I can do to work on making payments because the negativity that they report is hurting my credit score. I called on e of Diaz & Associates legal representatives and he expressed to me that I make three {$100.00} a month payments fro three-months, then we can disgust making payments plan. He also stated to me that if I make steady and ongoing payments that he can reduce the balance owed. he even stated that he would be able to remove the derogatory reports of the delinquent payments. 
For some reason, I feel like he is not being truthful because I thought negative information stays on your credit report for 7-years. My son lost his job XXXX and working another job out of XXXX Washington. In the month of XXXX, his truck went out and in XXXX, his engine went out. My son had to borrow money from a family member to get his trailer fix. His truck is in storage in XXXX, CA. I had to pay his life insurance from XXXX, to XXXX, XXXX. Again, I need to know what can I do to help correct my chargeoff/collection account with Diaz & Associates LLC. As of today, I am trying to correct and clean up my credit report, but when I have a creditor like Diaz & Associates LLC reporting my payment as late every month because I have not made a payment, what more is there to do? Again, please let me know what can I do to make matters right with Diaz & Associates LLC? I know they are lawyers and know the system of fair credit reporting more than I. But, I know CRFA-governs the fairness of how and what creditors can/ can not do or use tactics to get consumers to comply when it comes to making monthly payments to his/her or their account. 
When Diaz & Associates LLC told me that the next step that they were going to do was going to be to get the money from me by taking me to court. At first, Mr. XXXX said they were going to reach out to my employer. I can not afford to lose my job or having a substantial amount of money withdrawn or taken from my account based on a lien. Please help me with this matter and what ever decision that the CRFA decides, I will be in agreement. If I need to make payments to Diaz & Associates LLC, I can do at a bear minimum. If so, I can work out a payment agreement with them. I am in a hardship situation as of XX/XX/XXXX. My ex-husband is in a legal court litigation and funds in my household are limited. 

Thanking you for the time, please expedite immediately, XXXX XXXX

Company response to consumer: Closed with explanation