Name : XXXX XXXX Acct # : XXXX Debt Amount : XXXX Best method of contact : Email - XXXXXXXXXXXX I received a letter on XX/XX/XXXX informing me that that AFS bought my XXXX  account on XX/XX/XXXX for {$4600.00}, I responded to that letter with a letter asking for an explanation of fees and additional charges, however I also placed a call to gather more information. I really must say that I struggled over which course of action to take to protect myself from what I took to be " retaliatory '' comments during this first contact. I didnt know whether to escalate the contents of the call to in house quality assurance, hire a lawyer or file a complaint with the Consumer Financial Protection Bureau, and after searching for complaints against your firm, I opted to contact in house quality first. 

XX/XX/XXXX @ XXXX CST - I called AFS and spoke with XXXX XXXX ( XXXX ). After the account verification was done, we began to discuss my account and charges. I didnt dispute the XXXX account, I kept asking about the balance, because my records show a balance of {$2200.00} and what was being presented was {$2300.00} over that amount. She told me that the balance included service fees, however my account was flagged for a reduced rate. She told that I could pay {$3200.00} in several different ways but, it had to be paid in 90 days ( 1, 2, 3 or 6 payments ). I  explained that I could not pay that balance in 90 days, no matter the number of payments. As the call progress and I repeat several times that I would like details about the additional charges and that I cant pay the amount in 90 days, XXXX XXXX, tells me ok XXXX XXXX I cant keep throwing numbers out at you what is your best offer. I told her I was collecting information that I would need to speak with my husband about the options given and callback. At that point an already heightened conversation blew up. She accused me of stalling negotiations since I couldnt meet the 90 day request. She then began to tell me that I should know what I purchased and began to read the items out loud several times ( as if being petty or to shame me ), she involved others in her conversation since her co-workers could hear her/us going back and forth of courtesy and procedure. She told me that I need to calm down and I told her I was matching her attitude and method of verbal communication at which point to stated that she would calm down so that I could. She then precedes to get permission from someone to push my account through to them since I am stalling that I no longer had 30 days to negotiate a payment plan that that from this point my file would the accelerated through to them. This part of the conversation felt very threatening, in hindsight it dawned on me that she was talking about the credit bureaus. She kept saying since you acknowledge the debt you are responsible for the full amount. I told I was disputing the validity of a portion of the debt. I kept asking who they were she just said come on XXXX XXXX you know the words you are using and are just stalling. 

I dont know XXXX XXXX, so I dont know how she knows when I am stalling. I dont know what words in gathering more information about a business transaction proves that a persons shouldnt be allowed time to discuss such matters with their spouses. As I explained I cant commit {$3200.00} of my household budget without discussing it with my husband. I understand that collections can be a stressful experience, however each client/customer/debtor should be treated courteously. 

I would like to discuss this matter further with someone that is willing to work with me. And not assume I am a bad person because of 1 account in dispute. 
-- XXXX XXXX