Consumer complaint received 2022-10-26
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX XX/XX/XXXX at approximately XXXX I called XXXX XXXX XXXX was connected to the agent by the name of XXXX XXXX XXXX I called to get more information on the debt in hopes to start planning to pay the debt without putting myself in a financial hardship as I have a family XXXX kids and a spouse to provide for which I had informed XXXX XXXX XXXX I simply called in hopes to get my questions answered such as the following : - How much the debt was for originally? 
- Where the {$840.00} payment I made ( XX/XX/XXXX ) went to? ( Because the debt should have gone down to XXXX but when I called was at XXXX telling me I have accumulated {$790.00} in interest ) - What the options were in regards of planned payment arrangements to schedule in advance to keep me from being in a financial hard ship? 
as i proceeded to ask those questions XXXX XXXX began to say he would talk to the supervisor about seeing my options because I " Help our country so he was going to help me '' and then begun to say, " how he apologizes for his voice as he was losing it due to being sick '' and i said " no worries '' came back to the phone after keeping me on hold and offered the options for plans of action and said they could do a settlement for {$3900.00} but that would need to be paid in full by Friday XX/XX/XXXX and or option two being to make payments which he informed myself of getting me approved for but needed to pay the full balance and in completion of that getting a credit deletion on my credit report I chose option two because I want to get this deleted off my credit report. Additionally, I begun to tell him I would call him back about payments that I felt would be the best fit to start and he begun to be abrasive in his Choice of words such as tell me about what loans I could apply for to get out of just this debt and how I could borrow the money from companies such as " upstart, XXXX XXXX ( high interest companies to avoid as an XXXX XXXX member ), and loan options from XXXX XXXX credit XXXX. '' and in response to that I had told him I did not feel confrontable getting a loan for debt that would just add more debt on top and that was not a smart financial move. XXXX XXXX then began to ask me " did I even know what upstart was? '' and i informed him I was very aware with what upstart was but was not going to pursue adding another debt just to pay a debt, close to the end of the phone call i then told him " I would be calling them back to with more info on when i could start making payments '' and XXXX XXXX got very demanding on the phone and telling me about how they had been trying to reach me and made multiple attempts to call and got no response in regards to this debt and I then begun to tell him " I apologize but I had a lot of stuff going on but I am trying to get this debt under control because I know it is very important for my credit to get this resolved '' and then XXXX XXXX the said " Even a {$60.00} payment could help hold me over for a couple of days until Friday '' and I told him " I didn't even have that and that I would call back when I did and that I didn't have my card on me anyways '' XXXX XXXX then proceeded to say " what kind of a women doesn't carry her debt card around with her or in her purse, I'm sure you have it saved somewhere in your phone I will sit on hold until you go get it but you NEED to make a payment today '' I then said " I would not be making a payment today and would be calling you back soon '' and then I asked for his name due to the very rude tone and choice of words in the business call to then write this complaint. 
In conclusion XXXX XXXX was very demanding, very rude, and used poor choice of words that very much so offended me to ending the call. I hope to see this situation not happen again the future as this is not first time, I have encountered a rude representative at this business establishment, I had received similar behavior from a representative by the name of XXXX XXXX but gave the benefit of the doubt for and forgave and forget but would not forgive and forget if this happened again. Thank you for your time and I hope to hear from you soon. 

Very Respectfully, XXXX XXXX ( XXXX ) XXXX ( Cell )

Company response to consumer: Closed with explanation