Consumer complaint received 2015-05-27
Company: Vital Solutions, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
My mother has XXXX, she needed XXXX. I applied for some personal loans to help pay for the XXXX and got over my head. I joined a debt consolidation that made a lot of promises that they did n't keep. They were taking my money and making payments to XXXX XXXX, but XXXX XXXX was n't accepting them as regular on time payments because they did not approve the program, although no one told me that. So the account eventually went to Vital Solutions collections. I found this out by calling XXXX XXXX to try and come up with a solution, they sent me an email saying that I would now need to work with XXXX XXXX. I contacted them on XXXX XXXX and spoke with a gentleman. I explained to him the situation, and told him that I would n't be able to make a payment until XXXX XXXX. He said that it was fine, and that he would note the account that I would n't be able to make a payment until that date. He said if anyone called me, to just let them know that there are notes on the account. Around XXXX XXXX, a debt collector named XXXX from Vital Solutions started calling me at my place of work regarding this account. I told her that there were notes on the account, and explained my family 's situation. She told me that I had to pay something now and that this was a very serious situation. When I explained to her that I could n't do anything until XX/XX/XXXX, and that I have to feed my child, she told me that I had to pay something and that she would continue to call me every three days. She started harassing me, calling my cell phone, my work phone and my parent 's home multiple times a day. She told my father that I was in serious trouble and that I needed to call her back. My parents knew nothing about my money issues and with my Mom 's XXXX, I really did n't want them to know. XXXX and I had discussed me possibly being able to take some money from my 401K, I told her I would let her know if this was possible. It was not, they turned me down. On XXXX XXXX, I had had enough of XXXX calling my parent 's home early in the am before they wake and calling my work multiple times when I have a call center job. I can not be getting calls from debt collectors on my phone at work when my job is to answer customer calls. I called Vital Solutions in the afternoon on XXXX XXXX to tell them that they could not call my work. I spoke with XXXX XXXX and explained my situation. She said that she removed both my work number and my parent 's number and that XXXX would not call me back until XX/XX/XXXX. Today on XXXX XXXX, XXXX called my work phone, my parent 's phone and my cell phone all around XXXX PST time. I called right back and XXXX XXXX answered, she was shocked that XXXX called me as she said that she removed the numbers from the system and also personally spoke with XXXX telling her not to contact me until atleast XX/XX/XXXX and never to call my work or parent 's home again. The calls are recorded. I then spoke to XXXX who agreed that she did break the law by contacting me after XXXX removed those numbers from the system and told her not to.

Company response to consumer: Closed with explanation