Consumer complaint received 2015-06-30
Company: Credit Resolutions, LLC
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
There were numerous violations made in today 's phone call:1 ) XXXX XXXX of Credit Resolutions, LLC did not read the " mini-Miranda '' to advise she was collecting a debt at any time in any of the phone calls made. 

2 ) XXXX XXXX claims to have sent a collection letter but when I advise I did not receive it and had been having issues with my mail ( for which I have contacted the USPS and which has hopefully resolved by now ), I was told that is not her issue, even after I advised I planned to dispute the debt. 

3 ) After indicating I needed to dispute the debt ( my XXXX did not ever correct my bill or make a proper claim against my insurance, which I tried to resolve for some time and I will not pay them until they do so ), I was threatened with her reporting the debt to the credit bureaus, which, she told me " I do n't have to do and have n't done yet, but will if you make a dispute. " 4 ) I requested a new letter be sent out due to my postal service issues ( they were returning mail to senders for reasons unknown, including my mortgage holder, which is how I found out in the first place ) and XXXX XXXX refused to provide a new letter. 

5 ) She became abusive on the phone. I requested her boss ' name and to be transferred to him or her. She refused repeatedly and continued berating me and threatening to report me to the credit bureau, even after I explained I 'm XXXX and she was upsetting and XXXX me out and that I simply wanted to resolve this once and for all. XXXX XXXX eventually provided me with a name of a non-existent boss called " XXXX '' ( I later learned through XXXX that she is the sole owner and operator of Credit Resolutions, LLC ) and claimed to have a number to make a complaint but refused to provide it. These were out and out lies. 

6 ) XXXX XXXX hung up on me multiple times, refused to allow me to speak with her boss, and said she would n't be dealing with me and that I should just shut up, suck it up, and pay my debts. I told her I would continue calling her back until she gave me the name and number of her employer, transferred me to another representative, and/or agreed to send me a new FDCPA letter with proof that it had been sent ( i.e. certified ). 

7 ) I asked if I needed to come in person to speak with someone else about the debt and try to resolve it and she threatened to call the police and press charges if I showed up at her office. It is important to note that I made no threats, I simply asked if I should/could come in person to work with someone else since she refused to assist me or transfer my call. I asked this because I have worked in collections law and foreclosure law for XXXX years and we often had people come in person to discuss their case with someone in person. 

XXXX XXXX of Credit Resolutions LLC should not be employed in collecting debts. I advised her multiple times she was violating FDCPA with the way she was treating me and the number of rules she violated and/or ignored. She laughed, lied, called me names under her breath, threatened me, and talked down to me and treated me as if I am stupid after I advised my work history and that I 'm an educated person who is familiar with collections laws in this state.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation