Consumer complaint received 2022-03-16
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2022, XXXX XXXX from XXXX XXXX XXXX called my work phone and left a threating message on my voicemail which is attached below. Per XXXX XXXX XXXXXXXX " Harassment and Call Restrictions Debt collectors can not harass or abuse you. They can not swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also can not make repeated calls over a short period to annoy or harass you. '' After speaking with XXXX XXXX, I advised him that he threatened me on my work voicemail which is not a legal tactic and told him to never call my work line again. He the threatened me once again and said " I don't care of your embarrassed like I said have your boss or owner available to be served at your work location. '' After being extremely emotional, distraught, embarrassed, and traumatized at work he advised me that I would settle the XXXX debt, however when he sent me over the paperwork it had the incorrect amount listed. 

I emailed several times... 
Email thread below ... From : XXXX fam XXXX Sent : Thursday, XX/XX/2022 XXXX PM To : R XXXX XXXX Subject : Fwd : Payment Plan letter for # XXXX Good afternoon,, I spoke with XXXX today and the agreement was not based on the XXXX it was based on the $ XXXX amount. 

Please see below and refer to the phone conversation. I am requesting that my agreement is revised based on the information provided as agreed upon in the phone conversation. I asked him to provide me that in writing beforehand and he refused and then changed the amount in the agreement. I also requested that he provided me the documentation regarding the auction of the vehicle so I can confirm payments have been applied. Please provide me the agreed upon agreement A.S.A.P. Thanks in advance for your assistance. 

XXXX XXXX corrected the amount and sent over a new agreement, also attached below. After making a few payments I noticed that the account reflected incorrectly. 

Email below... XXXX fam XXXX Attachments XX/XX/2022, XXXX AM to R ... Can someone also please correct this? This amount is incorrect on the payment site. I appreciate your help with this. 

Response ... R XXXX XXXX Sat, XX/XX/XXXX, XXXX AM to me The website doesnt reflect reduced payoffs. Settlements can only be dont through the banking department. As you make payments the balance will get reduced and manual letters will get sent out. Thats what the disclosure means under the account information. XXXX XXXX XXXX The amounts are still not correct, and the additional payments were added which was not agreed upon, and then decline notices were sent out. Also attached, XXXX XXXX, called me once again at my work on XX/XX/2022 and advised that he is closing my account simply because he wanted a card on file. However, XXXX XXXX his manager advised me that I can make payments online. After several threatening phone calls, incorrect amounts, and additional payments added not authorized. I'm requesting that my account is paid in full and deleted from all 3 credit bureaus. Documentation is attached below.

Company response to consumer: Closed with explanation