Consumer complaint received 2016-06-24
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc. (TX)

A representative from National Credit Systems called my cell phone and did not leave a message. A few moments later, I received a call from my office ( different department ) saying that I had a call. Once the call was transferred, a lady on the other end asked to speak with me. At this point, I have never allowed any debt to contact my job, this is a very embarrassing issue. So I ask what the call is regarding and she says her name I believe, but I was unable to hear her. Then I politely asked her/him to repeat and then she gets a major attitude. She says that her name was XXXX with national Credit Systems and that she was collecting a debt. At this point, because she was being so disrespectful, I wanted to know an address to mail in a complaint. I will not allow anyone to treat me as she did. Then she would not give that information, she was able to say that she will continue to contact me on my job. I told them, on a recorded line, that they are not to contact me at my cell or my job. I will allow them to send me an email, but thats the extent of the communication I will allow. I called back and spoke with another woman, she was able to get me the address to file the complaint. I then asked to speak with a supervisor, who was calm at first, then rude. I asked her full name so that I could include it in this report and she would not give me that information. She only told me her name was XXXX XXXX in XXXX, XXXX. I know my rights as a consumer : " XXXX. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) 1 of this title. 
( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity. '' - Fair Debt Collection Practices Act ( FDCPA ) I believe this situation falls within the category of harassment. Their phone number was XXXX. They called for the very first time, XXXX/XXXX/2016 @ XXXX ; XXXX , XXXX . I would like to allow you all the opportunity of looking into this matter. I do not know what the debt is regarding, or if its even mine. I will not speak with them again until I speak with someone via mail that has sense. Thank you for your time. 

XXXX XXXX