Consumer complaint received 2022-12-22
Company: First Credit Services Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First Credit Services called and spoke with me on XX/XX/XXXX regarding an alleged debt. I advised them that I do not acknowledge the debt and request verification. I was told several times that they have the information in front of them and it's my debt. After stating several times that I need all verification of the debt as required under federal regulation/law, the collector emailed me a letter that is essentially a bill from their agency. I responded to this email with an attached letter demanding verification of the debt. The receipt of this was verified with a response from the agency. 


-- -- -- -Begin XX/XX/XXXX Call Information -- -- -- - On XX/XX/XXXX, I received another phone call from First Credit Services where, after verifying my name and address, this was stated : " I am calling you on behalf of XXXX XXXX XXXX for your XXXX XXXX which ends in XXXX which was issued by XXXX and the outstanding balance is {$560.00}. So I just wanted to ask you, you were a premium customer with indigo mastercard, what went wrong on the payment? '' I immediately confronted the fact that they were calling me without providing the previously requested verification information. The collector responded stating the debt is {$560.00}. 

I told him that I am not discussing the alleged debt, I am talking about the fact that you are calling me in violation of the law. He stated " I have verified all the information personally ''. I responded by telling him that I do not care what he says he has verified, I have not received any verification. 

He then told me " I tell you now the info in which I have, now XXXX of XXXX this account was opened by you. XXXX of XX/XX/XXXX you made a {$40.00} payment on the account and the remaining right now is {$560.00}. I am not asking you to pay that right now, I am just asking what exactly went wrong where you missed out on the payment. '' I then proceeded to tell him That I am not answering his questions. He proceeded to tell me " Because sir if you work with me if I work with you I would help you save a lot of money because I have great offers for you to be honest with you. '' Again, I told him they have not verified the debt. He continued " Sir as I told you about the opening date, and the date you made payments, as well as the last XXXX of the card as well. And all that together brings the balance to XXXX but I am not asking you that, I want as you are a really good customer I want you to be in paying status and that is the reason I am giving you a last offer here to close and settle the account for {$370.00} ''. 

I then asked him " You do realize that I have already told you that this call is in violation of federal law '' in which he responded with " mmm hmmm '' at which time I asked " And you continue to do it? ". He responded with " Sir, this offer that I gave you for this settlement and I can also send you an email.. '', I interrupted him and said that he is still trying to collect a payment after I have made it clear that he is breaking the law, in which he responded " So you want us to send you emails about the debt? ". 

I told him no, as you have not verified the debt which he responded " Sir, I have already verified the debt to you and I can also send you the email as I said to you on the call sir ''. I asked " How did you verify the debt, as required by law? '' in which he responded " I have given you the name as the card as well as also told you the opening date, the day you made a payment, the amount of debt you have right now, I have let you know the information sir ''. 

I told him again, that they have not provided the documents as requested and required by law, nor have they proven that they can even legally collect the debt. He said " We are a legitimate company right now, and once we collect one I give you the settlement, we settle in full and you will also get an email about that, it will be done today itself '' I then told him that they need to provide the documentation that is required to verify the debt. I advised that there are punitive monetary damages for these actions that I will be requesting, and not to call me again without properly verifying the debt. 

-- -- -- XXXX XXXX XXXX -- -- -- - This phone call was made with complete disregard of regulation and the collector was persistent, even after being informed of this fact, on trying to get payment. It was repeatedly stated that they can personally verify the debt and their obligation to provide documentation ignored. 

First Credit Services called me nearly every day up to XX/XX/XXXX using a variety of numbers. On XX/XX/XXXX, the number that was used was an Arizona number.

Company response to consumer: Closed with explanation