Consumer complaint received 2018-05-11
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is regarding XXXX XXXX XXXXXXXX and their continued callousness and bullying tactics against me. I filed a complaint with your agency against XXXX XXXX  XXXX on the XX/XX/XXXX. I was very descriptive and gave you various examples of how I was taken advantage of and being bullied on paying an account by XXXX XXXX XXXX as well as the people I had hired to assist me with resolving my debt a few years ago. I had described how I made all my payments as agreed upon with my debt consolidation company in order to settle with all my creditors until I made my last payment to the law group assisting me. After I made my last payment to them, they decided to cut me loose and fend for my own against the last creditor I had left which was XXXX XXXX XXXXXXXX. 

From my understanding, my attorneys and XXXX XXXX  XXXX had agreed on me paying {$5300.00} in 12 payments of {$450.00} to settle the debt. I ended up paying a total of {$3600.00} before my multiple year agreement with the attorney group had been fulfilled and they cut me loose. There was only a {$170.00} balance left and I would have been in the clear. After everything had transpired the way it did, I actually DID try and talk to XXXX XXXX XXXXXXXX but they didn't want to speak to me because their records showed that I was being represented by a law group and they couldn't speak to me. As an uninformed consumer back then, I gave up rather quickly. Now a few years later when I call XXXX XXXX XXXXXXXX or rather I should say Nelson and Kennard who is representing XXXX XXXX  XXXX in this matter, they refuse to work with me. I filed my original complaint against XXXX XXXX XXXXXXXX in a pleading manner so that maybe they could see what was going on and step in but instead they proved to me their shallowness and callousness by simply writing that " We understand the importance of listening to you, our customer. We appreciate the time you took to share your concerns. Below is a summary of our research and response to your concerns. '' " XXXX XXXX XXXXXXXX currently retains ownership of your account ; however, we have forwarded your account to an outside agency for further assistance in collection efforts. Because your account has been referred to another agency, any future correspondence or to make payment arrangements must be addressed to the agency managing the account. 
You may contact Nelson and Kennard directly at XXXX. 

WOW! If that isn't a slap in the face then I don't know what is. They are basically saying that we took the time to listen to you but were not going to help you. Go deal with Nelson and Kennard instead. They are feigning ignorance on this account and basically saying that Nelson and Kennard will take care of this matter for them and so they have nothing to do with this account. What they aren't telling you is that any deal I attempt to make with Nelson and Kennard is being funneled to XXXX XXXX XXXX to make decisions on. When I spoke with Nelson and Kennard to offer the remaining amount I had left when I was enrolled in the debt consolidation program, Nelson and Kennard stated they would ask XXXX XXXXXXXX XXXX for an approval or denial of my settlement offer first. They then came back and told me that XXXX XXXX  XXXX had denied my offer. Basically, XXXX XXXX XXXX is still making all the decisions on this account. If they are the ones making the decisions on any offers being made, then why am I dealing with Nelson and Kennard? Why is XXXX XXXX XXXXXXXX asking me to work with Nelson and Kennard instead of just answering me directly especially when I took the time to file this complaint in the first place? Do you now see how XXXX XXXX XXXXXXXX is just bullying me and not caring about my situation in the slightest? They didn't even present a counter offer but rather wanted me to pay whatever I owed or at least that is how Nelson and Kennard made it seem. 

Again I am asking you to assist me in this matter. I have no one else to turn to and I can't afford to pay XXXX XXXX XXXX in full. That's why I had enrolled in that debt consolidation program that took me 2 years to complete in the first place and that was when I had stable employment. Please help me in this. I am attempting to fulfill the agreement that was set up for me or something close to it, but I am instead just being bullied by XXXX XXXXXXXX XXXX and Nelson and Kennard.

Company response to consumer: Closed with explanation