Consumer complaint received 2017-09-30
Company: CREDICO. INC
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Please reference previous complaint XXXX. XXXX advised CFPB that itemized bills would be supplied to me, but they were never sent or received. We have been making automatic payments. I advised XXXX that they were not to contact my husband 's phone number XXXX on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I contacted XXXX in order to obtain the remaining balance and to find out if a settlement offer was available. I contacted them from my phone number XXXX and provided that same number as the call-back contact number. I did not provide any other number for follow up communication. Therefore, the " do not call '' order for XXXX was not lifted. 

Unsuccessful attempts to speak with XXXX representative XXXX XXXX happened on XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, and XXXX/XXXX/XXXX at XXXX. I received missed call with messages at XXXX on XXXX/XXXX/XXXX at XXXX which I did not return that same day. Received a missed call but no message on XXXX/XXXX/XXXX at XXXX. 

Also at XXXX on XXXX/XXXX/XXXX XXXX representative contacted phone number XXXX and left a debt collector message. This number does not have permission to be contacted and is still on the " do not call '' list for their company for my debt and this matter. This is the matter for which they have violated CFPB and FDCPA do not call regulations for debt collectors. 

On XXXX/XXXX/XXXX at XXXX I returned their call from XXXX and left a message to call me back at XXXX. 

On XXXX/XXXX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX me at XXXX, and we were able to speak. I asked what the procedures were to obtain a settlement, to which she advised that I just needed to make an offer and she would discuss it with the creditors and let me know. I advised her that I would need to discuss this with my husband and would follow up with her. 

On XXXX/XXXX/XXXX at XXXX am, my husband called XXXX XXXX from XXXX from his phone number XXXX and spoke with her. She said that she had already talked to me and then proceeded to request final payment from him. He is not named on this debt. This is the second violation that I am filing as she is discussing and providing debt information to a relative without my written or verbal authorization. During that discussion, my husband did say that he would offer {$1500.00} to settle the debt which is currently {$2300.00}, which total was given to my husband over the phone. She immediately advised him that this would not be an acceptable offer and she countered with {$1800.00}, which my husband refused. 

I have yet to be given the opportunity to review the full accounting of the debt they are collecting. I fully admit that there might be some funds due for medical bills that I did not pay, or for which insurance was not correctly filed. I have been denied my rights in disputing this debt due to the fact that we have at no time been provided with an opportunity to view all of the charges.

Company response to consumer: Closed with explanation