Consumer complaint received 2015-07-24
Company: Pioneer Capital Solutions Inc
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
About 2-3 months ago I received a call from a man at Pioneer Capital Solutions INC. He was calling in attempt to collect a debt from a medical bill issued through the XXXX. The bill was over a {$1000.00}. I kindly told the representative that he had called me while I was at work, and the only reason I answered was because I was getting repeated calls from the same number I did n't recognize on my personal cell phone a number I did not authorize anyone to give out. Instead of ending the call he then attempted to engage in an argument. He tried to get me to agree to something right then and there. I again explained that I was at work and I needed to go, and that I wanted to look into the situation myself cause it did not sound accurate that the insurance I pay for did not cover one of my medical bills. I then asked for time to look into the situation before I agree to anything. He then began inappropriately talking to me saying that I could n't do that, that I would be wasting my time, and he threatened to start garnish my wages, I was not in a place to get into an argument and even if I did it did n't matter cause he then hung up on me. I have XXXX, this threat and unexpected call cause me to have a XXXX while at work. 

I have no written documentation from this collection. For the next couple of months I continued to have harassing and annoying phone calls from this agency when I specifically told them not to call especially if I 'm at work. I stated that I would have them contacted once I looked into the matter. I have looked into the matter and for some reason the doctors office did not properly submit a claim to my insurance company in which my insurance company told me to have them resubmit the dates I went for service. This process takes time. The representative ( same man ) called me again today on my cell phone while I was driving to work, still within my work hours, he called me yelling and arguing. Taken me completely off guard, and when he asked me about me voluntarily or involuntarily taking care of the matter, I said I would voluntarily take care of it but I 'm still resolving the issue on my end because there is n't an point in paying for health insurance if it is n't even used. He then in a very disrespectful manner told me that he was going to note the account as me stating I said involuntarily and then hung up on me. I called be and calmly told him I 'm aware that most of the calls a water recorded and that if he chose to note something directly against what I said I would do, that was slander, and illegal. He then began to argue and fuss with me again, constantly cutting me off, not letting me talk, he threatened me multiple times and talked to me highly disrespectful and out of turn. 

I had to pull over to get myself together cause it again triggered my XXXX. I can not afford to have my wages garnished over a medical bill that the office failed to submit to my insurance. I did not directly deny cooperation I simply asked for time, now I 'm being threatened. 

I know for a fact that this specific representative violated multiple laws and regulations when talking to me. I am filing a complaint against this representative and the company. They have no right to call my personal cell number. They have no right to call call me when I 'm at work. They have no right to call me when I 've asked them to stop. They have no right to threaten me with legal action without sending me any form of written documentation. As a customer service rep, he has no right to talk to me in the manner he did, and as a collections rep, he failed to state at the beginning of the call that this was a debt collection agency attempting to collect a debt, so anything said without that is void.

Company response to consumer: Closed with explanation