Consumer complaint received 2019-07-31
Company: Performant Financial Corporation
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a letter dated XX/XX/2019 on Monday XX/XX/2019. I attempted to contact PCNA Monday evening and got a message box. It said leave a message and someone would call back within 24-48 hrs.I left a message on Monday evening with no return call. Today Wednesday XX/XX/2019 I wake up to a levy on my back account. 3 days from the day I received their letter and 9 days from the date they printed on the latter. PCNA did not call me back to allow me to set anything up with them before placing a levy on my account. I called PCNA today and requested to speak with a manager regarding this. I was told they will attempt a transfer to the department but in the event there was no answer to leave a message. Someone came on the line I asked to speak with a supervisor and someone named XXXX came on the line. I asked if she was a manager specifically and she said yes. I explained to her what happened and asked for a little education regarding why this happened and legally how they can levy my account within 9 days of sending a letter the I received 6 days later the XXXX advising me of the option to setup an arrangement. She attempted to fast talk me ... telling me I can review laws ... I should have known about the debt that legally they aren't even obligated to reach out to me at all. She threatened me twice in the call that she was ending the call when I was asking her questions respectfully but with a little authority because she was fast talking me and not answering the questions I was asking. Never once did I raise my voice nor use abusive language to be hung up on. I asked for her supervisor XXXX gets on the line ... she goes on to tell me that XXXX was a team lead ... so I was led to believe XXXX was a supervisor/manager that I asked for and was lied to. XXXX did nothing but say the same things ... they are not obligated to give me notice of the debt, she did not offer to help in anyway ... just again talking about laws. I ended the call with her telling her I was going to submit this complaint as they have not treated me nor my case fairly and they did not call me back on Monday before proceeding with this action of a levy on my account. I called the original creditor and was advised that once it is with PCNA there is nothing they can do but did side with the fact that the letter says to contact them to setup an arrangement and I was not allowed to do that. They also provided me with a direct number to PCNA vs. Their toll free and said that they have had the same situations in the past and done of their customers were able to get to someone who will actuallt help by calling the local number. I called that number and the young lady supposedly contracted her supervisor and they are reaching out to the creditor to see if they will allow the levy to be lifted and a payment arrangement to be made. This makes no sense to me as I spoke directly with the creditor and was advised once it is sent to PCNA they have nothing to do with it. That call was ended with we will reach out and follow back up with you. I asked the expectant time on this as they have a levy on my bank account and was advised she didn't know. The call ended there and I decided to proceed with my complaint.

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