Consumer complaint received 2024-09-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Service Company (WV)

On XX/XX/2024, at approximately XXXX XXXX, I called the number listed on my credit report associated with an account from XXXX XXXX. The contact information only provided an address and phone number, so I called to inquire about the account. I was surprised to discover that the number connected me to a credit agency called Credit Service Company in XXXX, Montana. 

I was trying to understand the account being reported and expressed my intention to make payments. The first representative I spoke with, a young woman whose name I did not get, informed me that they had XXXX accounts under my name. She also said that any payment I made would be applied to the first account in their system, not necessarily the one I was calling about, and that they made the decision on which account would be paid first. When I tried to ask questions, she continuously interrupted me. At some point during the conversation, she hung up on me without notice. 

I called back and was connected to a man. As I was explaining the situation, I overheard someone in the background say, " Is that XXXX? '' ( which is the name I introduced myself with ). The man then said he would need to transfer me to someone else. I requested not to speak with the same woman who had previously hung up on me, and he transferred me to a representative named XXXX, which I believe was his intention all along. 

XXXX began by stating that she was reading the notes but needed me to explain the situation. She mentioned that I had XXXX accounts with their company ( which was XXXX more than the previous representative stated ). I expressed confusion about why I couldn't pay certain accounts while disputing others. As I asked questions, XXXX began to raise her voice, almost to a soft yell. When I explained that I hadn't seen the other accounts, she accused me of being " silly, '' claiming I had received mail about them at my home in XXXX. I explained that I was in the XXXX XXXX when those notices likely went out and hadnt received any mail, but she continued to make comments about my wife and raised her voice further. When I asked her to stop calling me silly, she persisted in saying it wasn't an insult, continued to yell, and eventually hung up on me again. 

At this point, I called back a third time, intending to settle the debts just so that I could avoid further mistreatment. When I was connected again to XXXX, she was still upset and immediately started asking, " What do you want? '' without giving me a chance to speak. She interrupted me repeatedly, yelling. I informed her that I would report her behavior, to which she sarcastically replied, " Oh yeah, to who, the FBI? '' and followed up with something like, " I'm so scared. '' She claimed to have 30 years of experience in the field before hanging up on me again. 

I called back one last time and left a voicemail. I stated that if they didnt answer my calls, I wouldnt be able to make any payments, and they would need to remove the debt from my credit report. I also asked them to send me the information I needed and provided my contact details. 

Afterward, I was deeply shaken and had to call my wife for support. While I was talking to her, the collection agency called back, and I spoke with a representative named XXXX. XXXX was polite and took down my information, promising to send the requested details by mail. The call ended at approximately XXXX XXXX  EST. 

This entire experience left me feeling harassed and disrespected. The repeated interruptions, yelling, and demeaning comments, particularly from XXXX, were not just unprofessional, but also a clear violation of the FDCPA 's provisions against abusive and harassing behavior. I am requesting an immediate investigation into the actions of Credit Service Company and the necessary corrective action. 

On the attached collection report, it is the debt annotated with the letter " C ''.