Consumer complaint received 2016-09-29
Company: Credit & Collection Recovery Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I 'm filing this complaint against collection agency department of XXXX XXXX & XXXX ( BOG ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX, for violations to the third party mini Miranda rights under the, fair debt collection practices act ( FDCPA ) .On multiple occasions agents failed to read the fair debt collection mini Miranda as well as knowingly with malicious intent disclosed details of the consumer account to and unauthorized third party agent of XXXX, XXXX.The first violation was on XXXX XXXX, XXXX, a third party agent, XXXX XXXX of XXXX., was attempting to complete his preliminary steps to introducing his firm. At approximately XXXX ( CST ), XXXX dialed ( XXXX ) XXXX / and agent for BOG ( co-worker to XXXX ) whose name she refused to reveal. XXXX explained who he was calling for by giving the agent my name and social security number. This agent advised XXXX that the authorization form from his firm, had not yet been received. XXXX was asked why he was calling on behalf of XXXX XXXX, he stated that he was attempting to make initial contact for the purpose of possible offering a settlement.The agent then explained that my account carried no such options to resolution. She went on to argue that no options for settlement are in the cards at all, and that I needed to pay the account in full. She then went on a rant about the account being more than 4 years delinquent and the balance owed is {$2700.00} in full, so do not waste time attempting to settle.XXXX, stated that he would resend the authorization form, so that he could find inquire about the details of the balance. She then advised that XXXX should just have XXXX call in and pay the own account and ask to speak with XXXX. XXXX is who she would need to speak with when XXXX called back in, which is why she did n't need to give XXXX her name.The agent gave XXXX the BOG, business hours of XXXX XXXX ( CST ) TIL XXXX ON THUR. AND FRI UNTIL XXXX, and verified the fax number as XXXX. She then ended the call with stating to XXXX the loan was transferred to a collection company called XXXX but would not release this companies information to XXXX. XXXX 's co-worker 's attitude was extremely pretentious and the agent carried an arrogance that insinuated that the delinquent balance of {$2900.00}, was debited directly from her own personal pay check.The second violation was on XXXX XXXX, XXXX. After faxing his firm 's third party authorization form to the collection company XXXX, at fax XXXX. XXXX dialed XXXX and was referred to XXXX at approximately XXXX ( CST ). XXXX failed to make any attempt at proper verifying XXXX as authorized third party under the FDCPA. She also violated third party disclosure when she continued the call without reciting the Mini Miranda per the FDCPA. As well as XXXX divulged all of the account details, including the account balance and the fact the account was due from XXXX XXXX, XXXX, in the amount of {$2900.00} in full, no settlement. XXXX also stated the account was last reported XXXX XXXX, XXXX and was not a charge off. 
XXXX of XXXX and agent for BOG, are yet radical examples of overzealous bill collectors who regularly violate the FDCPA in order to intimidate and abuse debtors into paying debts. Knowing there sole purpose for abuse of the FDCPA is to increase their own personal bonus thresholds for personal financial gain, at the expense of violating Federal law.As a US consumer and in lieu of the abusive actions during the collection of this medical consumer debt, I demand that this debt be reported as paid in full and or satisfied to all XXXX major credit bureaus, XXXX, XXXX, and XXXX immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation