Consumer complaint received 2023-08-10
Company: Starmark Financial LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted by Starmark rep XXXX, about a debt i had paid in full in XXXX of XXXX. On the first call in XX/XX/XXXX, I explained to him that I would look into what he claimed I owe as I had paid the account in full to another lender. I did not understand how if I paid XXXX in XX/XX/XXXX and have a Confirmation from XXXX that my balance was {$0.00}, what I am just hearing about collection 11 months later. I had not recieved anything from a XXXX in 11 months saying there was a problem with my payment. He told me he was representing XXXX XXXX. I never heard of that bank or the collector. XXXX Continued to pressure me to pay the debt that I paid in full to the lender XXXX. after the 3rd or 4th call Itold XXXX XXXX that I haven't received anything in the mail from his company. I then asked him to stop calling me and to send me a letter and we will Communicate via mail. XXXX XXXX replied " it doesn't work like that, I can call you because you owe my client this money '' I replied, according to the fair debt collect act you must stop calling upon my request. XXXX XXXX continued to pressure me and made every attempt to get me to say on a recorded line that the debt was in fact legit. I stated again communication with me by mail and hung up. XXXX XXXX called me 6 or mie times after being asked not to. In one occasion he spoke to my brother in which he proceeded to tell my brother ( who answered my phone by my direction ), that he is a liar, that he was in fact me. My brother repeatedly tried to let him know that he was speaking to the wrong person and then my brother just got tired of it and hung up. When I came out of the restroom I immediate called XXXX back as I was very frustrated with his bullying tactics. I told him again stop calling me, and send me something in the mail. He says they had done that and he will keep calling. He called me the very next day, I apologize to him for yelling at him. XXXX XXXX accepted but then proceeded to call me a liar about who answered my phone. So for a 3rd time I instructed him not to call, he called me 3 times after that. Then he stopped, on XX/XX/XXXX I got a statement letter dated for XX/XX/XXXX, and post marked for XX/XX/XXXX. 1 day after the XXXX time I asked for it. After, I verified the debt and checked with the lender I was able to determine the debt was valid. I paid Starmark the amount requested in full, XXXX XXXX accused me of trying to stall and not pay. That was never the case, everyday I get calls and emails asking me for money. I had no idea who they were or what they wanted, there was no verification, no license number provided. I was not going to communicate financial business with someone or some company I never heard of when I thought my payment was made. All I needed was verification of who was asking for this money and verify the debt was owed. Instead of giving me a letter XXXX chose to be a bully which resulted in delay of the matter being settled quicker. 

I served this country for 16 years, and have deployed countless times, ice been under fire and nearly blown up. I pay my bills, and my taxes as is my responsibility. Being treated like I'm some child or scared little puppy doesn't work, not on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation