Consumer complaint received 2018-05-11
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Diversified Consultants, Inc. (FL)

According to Diversified Consultants, Inc my account was received on XX/XX/XXXX from XXXX, as of today XXXX has informed me that my account is over 300 days old. This is a balance that I was unaware of after I had returned the equipment at the XXXX store in XXXX, Florida. I was notified of a balance with XXXX until XX/XX/XXXX with Diversified Consultants , Inc . According to XXXX my account was delinquent as of XX/XX/XXXX. I would like to know where my account was during this time period? 

On More important I am very upset with the way my account has been handled with Diversified Consultants, Inc. On XXXX i have contacted you all to set up a payment arrangement of {$80.00} on the 2nd of every month while I figure out where the balance came from. I was assured that I would not be sent to collects with a payment arrangement, GREAT. On XX/XX/XXXX i realized that my card had been compromised so I contacted XXXX, they informed me that it would take 7-10 business days for me to received my card in the mail. I spoke with XXXX XXXX on XX/XX/XXXX and informed her that my card had been compromised so it may not go through she told me dont worry she will make notes on the account and I have until next month to call with the new card number. When I called Diversified Consultants, Inc on XX/XX/XXXX I spoke with a XXXX XXXX he informed me that he wasnt sure why my account was sent to collections and there was nothing he could do but that the payment arrangement was deleted because of a declined payment. I was not told this when I called in on XX/XX/XXXX. XXXX went on to transfer me to a supervisor whom apparently didn't make any notes in the system on XX/XX/XXXX who told me that there was nothing he could do and because of other people that dont care to pay there account they sent the account to collections. As of today it has only been 8 days .... I received my card last night when I got home from work. The supervisor that I apparently spoke to went on to forward me to XXXX XXXX in the compliance department and he informed me that my card wasnt ran for the payment for the 2nd however it looks like I had requested the delete the entire payment arrangement .... absolutely not I had informed XXXX that I would call back with an alternative payment method as soon as I got the card but to keep the arrangement. He told me that once they have an account for 45 days it goes to collections. It had only been 27 days from XX/XX/XXXX when they got the account that I set up the arrangement. I had two successful payments prior to my card being compromised. I only had 8 days since my payment due date passed and that with notification. XXXX XXXX said Diversified Consultants, Inc do not leave voicemails but the computer calls and they called XXXX on XX/XX/XXXX. I have a XXXX year old that I drop off at that time and their school has no service, a voicemail would be nice especially for client that are attempting to pay off a balance. 

After my last phone with XXXX ( XXXX XXXX refused to give me XXXX last name ) she informed me that XXXX XXXX noted on the account that I would be calling with a new card number and mentioned me having a month, this was noted on the account but she can't speak on behalf of that representative.