Consumer complaint received 2019-02-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Resolution, Incorporated (FL)

On XX/XX/2018, I was contacted, via email, that I owed a debt. 

The Sr. Account Manager, XXXX XXXX , and I went back and forth regarding the debt. 

I agreed to pay 99 % of the debt, but I wanted something in writing to confirm the agreement terms. 

I asked him to send an agreement on the payment terms verifying it will be removed from my credit report. I would sign and submit with the information ( credit card ) requested. 

Mr. XXXX stated that to stop the processing of the account, they would have to have a valid credit card on file and the dates the funds would be debited. 

I told him I was not comfortable sending that information through the email. 

He replied that to send a payment arrangement letter, the would have the card on file and the dates. I was free to call them [ and he provided the phone number ]. 

I told him I am partially deaf and I can't talk on the phone, to please type up an agreement, attach it and I would complete the information in the form and fax it back. I recognize I owe the money, am williling to pay {$50.00} a month until {$550.00} was paid, but I am not willing to give my credit card via email or over the phone. 

He responded that their system is not set up to do that. 

I told him that I had given payment amount and date, so they needed to stop calling me, as they were calling 4-5 times per day, sometimes 2 times within an hour. I also told him that it was harassment and they had no right to threaten to sue me when I was trying to set up payment arrangements. He told me that he the calls would continue until I provided the credit card information. 

( Note, the only time they have left a voicemail, on XX/XX/XXXX, was to say that it was a final call to confirm that I was still on schedule to receive a final demand letter regarding the loan, before a certified letter [ was sent to ] my residence. I have attached a screen shot of the translated voicemail from my phone ). 

At this point, I'm very frustrated and just told him I'd pay through the website. But, in setting up the account, I realized it doesn't provide a confirmation of the agreement that was made, doesn't give a history of payments and there is still nothing in writing of payoff/removal from my history. 

I figured if they weren't willing to work with me and provide the documents as requested, even just attaching to an email for me to look over and fax back, then I am not willing to bend on this. 

Today ( XX/XX/XXXX ), I decided to start having the payments taken from my checking account, so that they do not have access to my debit account, they can not process payments beyond my permission, and I can keep track of payoff. 

I emailed Mr. XXXX and requested the account number. He promptly provided it. 

I then asked for the address. He responded that " XXXX is the website if that's what your asking for. '' They " only accerpt Visa/MasterCard/Amex. " We do not accept mail in payments. Any other questions fee free to contact [ them ] at XXXX. '' I am not willing to work with a company, nor be threatened by one, when I am in good faith willing to pay my debt. I just wanted confirmation of the agreement and not harassed because I refuse to give out my credit card in an unsecured manner.