Consumer complaint received 2016-08-11
Company: PlusFour, Inc
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a letter from PLUSFOUR, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX, in reference to a medical bill that at the time my mother signed the documents as financial responsible since I was in high school and a minor. 

Once I received the letter I called PLUSFOUR and gave them verbal permission to speak to my mother in reference to this account. 

My mother call XXXX XXXX, Debt Collector XXXX ext XXXX and set up payment arrangements on the account. I had just entered my first year of college and was not working so she was going to make the payments. This call took place on XXXX XXXX, with payments to begin in XX/XX/XXXX, my mother continued to ask that as long as we have an arrangement that this would not be reported to the credit bureau and was told YES by XXXX XXXX. My mother made sure that she stayed in contact with them if the payment was going to be late. The arrangement was for {$25.00} a month. A Payment was made for XX/XX/XXXX and XX/XX/XXXX {$25.00} each month for a total of {$50.00}. My mother call in XX/XX/XXXX to make the XX/XX/XXXX payment on XXXX/XXXX/XXXX at XXXX pm and she was ready to make the XX/XX/XXXX payment she always verified that this is not effecting my credit. XXXX advised her that it was reported to the credit bureau on XXXX XXXX, XXXX. We questioned why this has happened when we had a verbal agreement to make monthly payments on the account in the amount of {$25.00}. At that time my mother asked to speak to a supervisor ( XXXX XXXX ) that stated there was nothing that they could do once the account was paid in full then they could revisit the fact that it was reported to the credit bureau. I stated to her that this was not the agreement that was made and that they have not held their end of the agreement. I asked to speak to the Manager/owner XXXX XXXX so that I could explain that the company has an agreement with my Mother and did not hold up their end of the agreement. I was told that he was not available. My mother stated that she would like for a manager to call her so that we could get his figured out and we would continue to make the agreed payments once a manager has called her. We filed a complaint with the XXXX and received a reply that they are not responding to our complaint. As of today XXXX/XXXX/XXXX, we have not received a call back from the company to resolve this and continue to pay. I am a college student and because they did not keep their end of the agreement up, this is reported on my credit report which is preventing me from getting a student loan to continue my education. This is very disturbing that collection companies can make arrangements with you and then go against their work and you had been paying them. It is unethical that they can affect your life and you have agreed to settle or clear the debt and the only answer that they have is pay the debt and then we can talk. 

I am an unemployed college student whose parents agreed to help and resolve this and the collections agency was unethical.

Company response to consumer: Closed