Consumer complaint received 2022-09-08
Company: Tavelli Co., Inc. dba Tavco Credit Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On several occasions Tavco Credit Services has called me regarding a medical bill that was given to them from XXXX XXXX. The specific representative I spoke to was XXXX. XXXX told me he was the manager and unfortunately I do not feel comfortable handling the debt with him because of his aggressive manner. XXXX was calling me every month asking if I could pay more for my medical debt. For the year of 2021 I was on a payment plan with XXXX of {$25.00} a month because that was all I could afford. This year XXXX called and asked if I could pay more because according to him " there is a lot of interest on your account and the {$25.00} a month isn't getting you anywhere. We also can not accept {$25.00} a month and the least we can do is set you up on a payment plan for {$50.00} a month. '' I told XXXX I could not do that and that I would just pay {$25.00} a month on my own when they call me. He called me a month later and I paid over the phone. XXXX told me that I could not do that anymore and that I would need to mail them a check. The last time I spoke to XXXX he told me the last payment they received was in XXXX and that was not true because I made a payment over the phone more recently than that. XXXX got frustrated and said " I don't understand why you can't just drop off a check in the mail, thats unheard of. '' He also said " your an adult you we aren't here to help you with your finances. '' I was shocked that he was talking to me this way because before he was somewhat professional. Now, he was taking it personally that I wasn't paying the amount every month he wanted me to pay him like I personally owed him money. He also said " like you said this specific bill isn't a priority to you '' like he was mimicking me. I told him yes this isn't a priority I am a student and I have a mortgage, I rather make sure I have food and a place to live then to pay more for this medical bill payment plan when I absolutely do not have the money. On top of that this is none of XXXX 's business. He was acting so unprofessional, aggressive, and rude that I told him I do not appreciate the way you are talking to me. He said " I know it's hard to accept that you owe us money, I get it, but this is your responsibility. '' I said thats not the issue for me, I want to pay this, but your not accepting that and I can not pay more than {$25.00} a month. I asked him if I could speak to the manager and he said " I know what your trying to do here and I appreciate it but I am the manager. '' I could not believe that he was the manager. Someone needs to monitor these calls because this behavior is totally uncalled for and unprofessional. Why would I want to call and work with them when they are treating me this way? So ridiculous. People like XXXX will manipulate others and scare them to get them to do what he wants. Luckily I have some experience with debt collectors because I used to be a XXXX XXXX. I feel bad for anyone who has to work with him and his tactics to scare people who do not know any better.

Company response to consumer: Closed with explanation