Consumer complaint received 2023-02-21
Company: Credit Counsel, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Called XXXX on or around XX/XX/XXXX in regards to Debt call from XXXX XXXX. XXXX XXXX told me he was an attorney for XXXX XXXX and he was trying to get money owed. I informed him I wasnt paying it because they lost everything XXXX owned down to her XXXX XXXXXXXX. He asked me if I filed a law suit against XXXX XXXX and I said no that I didnt know I could and he stated that if it was true I could. I told him they were inept a taking care of old people, they were short staffed had one nurse for 2 buildings and almost XXXX XXXXXXXX. He asked if I made a complaint with the state and I said yes and he said its not in his file. I told him a nurse from XXXX called me and asked me if XXXX was abused by other residents while she was there I told her no but continue to tell her about the staff shortages only one nurse for 2 buildings how they lost all her belongings and how they almost overdosed her. He tells me there is no report from the state in her file and I tell him I worked XXXX XXXX  and know complaints disappear. XX/XX/XXXX XXXX XXXX calls and leaves me a message on my voicemail telling me that ignoring their calls will not make the debt go away and that he feels that I am trying to get out of painted the date and that guy never intended to pay the debt that I fraud and the company, so I call XXXX XXXX back. I told XXXX XXXX that I am on disability and that I can not for the pet a lot a month I told him I could pay {$10.00} a month and he laughed and he said that he is not going to except that amount and I told him that I can not pay hundreds of dollars and hes like how about {$500.00} a month and I might know thats my whole check but what I live on and he pretty much said that that was not his problem, and again he said to me I think you purposely tried to defraud the company and that I never intended on paying the bill. Then he hears my dogs barking and says to me when you got dogs and I was like yes I have two years with dogs are pretty expensive are they and I asked him if he had dogs and he said no and Im like well then how would you know that theyre expensive. XXXX XXXX goes on to pretty much make fun of me because I am on disability Im gon na tell him you know I wouldnt be able to pay my bills if I paid {$500.00} a month to pay this bill back and he told me all that were gon na have to go to court, he tells me that XXXX have to send it to litigation and pretty much me having to give up everything I have to pay this bill back which would include my property. XXXX XXXX has been very crass and very rude with me. I have emails from XXXX XXXX being rude to me and I also have a couple voicemails if I have to continue to deal with XXXX XXXX this issue was never going to be satisfied. I would prefer not even talking to him. He is a very humiliating person. He puts me down and talk to me like Im an XXXX and threatens me. XXXX XXXX works for credit counseling Inc. out of Florida.

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