Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Webcollex, LLC (WV)

Payment arrangement was set up with debt collector on/around XX/XX/2021 for a payment of {$75.00} to be automatically deducted from my bank account on XX/XX/2021. The collector continued to call on the following dates : XX/XX/XXXX : XXXX and XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX, XXXX Most of the calls went to voicemail ( I didn't recognize the phone number ) where no message was left. The calls that I did answer, no one would speak on the other end and I got a dead air noise. 

Today at XXXX I finally got someone ( agent XXXX ) to respond when I said hello. She proceeded to tell me that my payment that was due today got declined, that I was already given a payment program of the lowest amount they would accept, and ask me why I would " set up a payment arrangement I knew would get declined. '' I tried explaining that I had unexpected expenses come out of my account and I did NOT expect that payment to be declined. She then asked if I had family I could borrow money from to make the payment. I explained I'm a XXXX mother of XXXX with no family. I suggested I could call my ex husband to inquire about child support and if I received it today, I could call back this afternoon and make the payment. She told me she would speak to her supervisor to see what could be done. I asked for a contact number to call back if I could make that arrangement. She told me I could make two payments on XX/XX/XXXX ( my next pacheck date ) then proceeded to tell me that she had misunderstood her supervisor and could not take 2 payments on XX/XX/XXXX because it falls in another month and I had already missed a payment arrangement in XXXX so my arrangement was voided. I asked if there was a pay in full settlement amount that I could pay in full next month and she told me that she was already sending it to collections since I had defaulted on my payment arrangement. I was under the impression that CKS was already a debt collection agency? She stated that the collection calls will continue until the {$860.00} is paid in full. 

When I looked at XXXX XXXX, it shows that this account was already sent to collections on XX/XX/XXXX ( the day AFTER I had set up a payment arrangement for XX/XX/XXXX ). XXXX XXXX also does not show any previous credit card totals for {$860.00} ( only in the {$500.00} range for the credit card they are supposedly calling about ). I have never received any written communication stating the total amount owed to this company. 

I believe the amount of phone calls I am receiving from this company is excessive and that if a payment arrangement had already been made, there was no reason for multiple daily calls throughout the days between, and voicemails should be left regarding what they are calling about.I have since had to block their phone number due to the amount of calls I receive with no voicemail left or no one on the other end of the line when I answer. This has become extremely disruptive to my work day and medical appointments for my XXXX XXXX daughter.