Consumer complaint received 2015-08-04
Company: Rose & Associates, LLC.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a call on XXXX/XXXX/15 from a Rose and Associates stating they were calling to verify employment. She then begin to tell me that my wages are going to be garnished due to an imaging report that was read by a XXXX XXXX ( whom I 've never seen ) almost XXXX years ago and he never received payment for it. I started asking questions b/c I was really confused and did not remember any such thing. She seem to get irritated when I started asking her questions about the original creditor and what steps I needed to take to get this figured out. She said to me, you should have paid this when the bill was due and I would n't have this problem. Well i think that was very harsh. What would she say if this debt was in fact an error and it was n't me? That would be falsely accusing me of not paying my bills which is HARASSMENT She then said that the balance was {$300.00} and now it has turned into {$3000.00} and if I do n't pay she will start taking money from my account and if I wanted to pay today she will drop it back down to {$300.00}. I advised her that I knew nothing about this debt and I was n't paying without validation. She was very rude and hung up on me. I called back and spoke with a XXXX whom was rude as well and asked could someone send me a validation of debt. He advised that the person that handles that was on a call and she would have to call me back. I never received a phone call back. I called today and spoke with a XXXX who said she was the general manager. I was trying to explain to her that i wanted a validation of debt and no one ever called my back and that I was hung up on previously. She then got mad and said that i was lying no one hung up on me. She also stated that I was being rude ( which is a lie because I have the call recorded ) I started asking her why she was so angry and she kept yelling in the phone and told me not to call her office back anymore. The only reason i called their office back in the first place was because I was told I would get a call back and did not. Everyone I have spoken with in this office was very unprofessional and rude. They are also not accredited with the XXXX. And on the XXXX website it states that this business is closed. I would also like to know if this collection agency is even licensed to collect in the state of XXXX since they are based out of XXXX. Something needs to be done about this office and the way they conduct business. As the consumer I tried doing my part by requesting a validation of debt. she also stated that it would take up to 30-60 days to send out the validation of debt and I said to her by law if a validation of debt is requested it has to be sent to the consumer and normally only takes XXXX days. She told me.. '' well by law I can do whatever I want to do ''. They are a shady business and I want no further connection with them. This woman called me out of my name and accused me of being rude to her and I wasnt.

Company response to consumer: Closed with explanation