Consumer complaint received 2018-07-03
Company: RedBrick Financial Group Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Monday, XX/XX/2018 XXXX XXXX XXXX contacted me 4 times in reference to a debt that I owe to XXXX XXXX XXXX. The first time that they had called me, I did not say " hello. '' The representative called my name, but I didn't respond. From there the representative called me a second time and left a voicemail message. The representative, by the name of XXXX, called me back twice more after that, which I have proof on my cell phone. Actually, I had to block his phone number due to his continuous calls. 

On Tuesday, XX/XX/XXXX, I called XXXX back. XXXX proceeded to explain that XXXX XXXX XXXX XXXX had placed a lien on my house for a {$17000.00} loan for an HVAC/central air conditioner, which I never received notice about. From there, XXXX aggressively stated my place of employment. He told me that according to the contract that I had signed that if I had defaulted on my loan and XXXX had a right to place a lien on my house to collect the {$17000.00}. I told XXXX that I did not have the {$17000.00}. He asked what amount I could pay. I told him that I didn't know, since he is the debt collector he should be able to give me an amount. I also said if a lien was placed on my home, then, why should I have to pay the loan back? From there, XXXX placed me on hold. The call was disconnected, but I had called XXXX back. XXXX told me that I had to pay {$4000.00}, which is 25 % of the loan. I told him that I didn't have that amount. XXXX asked what could I pay. I told him I didn't know. I told XXXX that I never received anything in writing or a letter from his company about this debt. XXXX also became agitated because I had asked him to explain what a lien is. XXXX became annoyed with me and began screaming at me over the phone. I told him that he was being unprofessional and he hung up the phone on me. I called XXXX back and he continued to yell at me. I called him unprofessional and an XXXX. I stated that if the call is being recorded then why is he being so unprofessional. Then, XXXX mentioned how my spouse 's name is on the contract and he would verify his employment the same way that he verified mine. XXXX stated that he would enforce that the {$17000.00} be paid by any means necessary. Then, he hung up the phone on me. 

Afterwards, I called XXXX XXXX and explained what happened to me. I spoke with a supervisor by the name of XXXX. I had explained that I had to pay an IRS debt, which is why I fell behind in payments. XXXX stated that my loan was charged off and her company couldn't really help me. She said I had to deal with the debt collector. I told her I could probably pay in XXXX, but I didn't want to deal with XXXX XXXX XXXX. I explained to XXXX that I didn't trust giving the debt collection agency any payments because the representative was so unprofessional. XXXX stated that she would reach out to XXXX XXXX XXXX to see if I can deal with another representative. 

I need help with this situation. The representative yelled at me, hung up the phone on me twice, attempted to intimidate me by mentioning my job and contacting my husband and harassed me by calling me 4 times in one day.

Company response to consumer: Closed with explanation