Consumer complaint received 2016-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: D2 Management LLC (OH)

At XXXX on XXXX/XXXX/16, I received a call from XXXX XXXX with D2 Management advising that she was collecting for XXXX accounts. She stated the account balances were from 9 years ago. We came to an agreement in the amount to be paid. She stated she needed to secure future payments with checking account info or credit/debit card. I advised that she contacted me at work and I did not have that information with me. We agreed that I would call once I got home and provide the payment information. 

During my lunch, I decided to research the company since I have never heard of them. I located the XXXX page with numerous complaints about aggressive and illegal collection tactics. I was also able to locate other complaints about possible scams. 

At XXXX I called D2 Management at the number XXXX provided, XXXX. A representative answered. I provided my name and advised I had made a payment arrangement with XXXX earlier. I stated that I would like to receive the payment arrangement in the mail before I provided my information. The representative asked if she could transfer me to XXXX as she did not want to note a " refusal to pay '' on an account that was n't hers. I stated that I was not refusing to pay and that I simply needed the agreement in writing. 

XXXX answered and after verifying my information, I requested a payment arrangement in writing. While speaking, she cut me off and advised that they would need the payment information on file today and would email the agreement to me. I advised that I needed the written arrangement mailed to my address because I did not feel comfortable giving my information to a company over the phone. Again she talked over me while I was attempting to speak. For a couple of minutes listening to XXXX tell me about marking a refusal to pay if I did n't give her my payment information. Once she was done I sat quietly until I was sure she was done speaking. I asked if I could have a chance to speak. XXXX stated yes. Once I was able to speak and advised that I will provide my payment information once I have the agreement in writing, a manager named XXXX came on the line and began shouting over me. She accused me of yelling at her representative and yelling at her. I attempted to speak and she cut me off saying I was not going to yell. I calmly and quietly stated that that I needed an agreement in writing so that I could verify they were a legitimate company. She immediately cut in and yelled that the call was being recorded all the while making sure that her voice was being heard over mine. It was very obvious that she was attempting to make it sound like I was refusing to pay my balance and attempting to get me to raise my voice. She continued to advise that they will garnish my wages since I am in a garnishment state. Keep in mind that not once did I say I was n't paying. I simply asked for a payment agreement in writing. While she finished her closing statement about my refusal to pay and that they would garnish my wages, I simply kept repeating " I will provide my payment information once I receive the agreement. '' She then hung up once she finished with her speech. 

The bottom line, D2 Management has a history of abusive collection techniques. Not once during either of my phone calls today did I refuse to pay nor did I state that I did n't owe a balance. I am more than willing to do what I can to pay the balances, but I will not pay any random person who calls me and demands money while being completely disrespectful and belligerent. This call was very reminiscent of the fraudulent IRS calls threatening to have people arrested if they do n't pay.