Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RC Willey (CA)

I have a credit card account with RC Willey. The account was opened on XX/XX/XXXX. I had made XXXX payments on time until XX/XX/XXXX. At that time I had lost my job and started get behind in my payments. XXXX from RC Willey finance department emailed me on XX/XX/XXXX to discuss my account. I called and spoke to XXXX on XX/XX/XXXX to get a current statement of my account and to set a payment plan for the future. Even though I would receive email notices that I had a statement I was blocked from accessing my account online. In speaking with the representative at RC Willey she said she was unable to help me access my account to view this information. I again reached out to XXXX at RC Willey on XX/XX/XXXX and she threatened me about sending my account to collections and again wouldn't give me access to my account information online. I called the RC Willey office in XXXX to make a payment at end of XXXX but they would not take my payment. They said my account was sent to collections. I called the number they gave me for collections on XX/XX/XXXX to try and make a payment however they said they didn't have any information on my account and could not take a payment. I was on the phone for 12 minutes an have records to show this. However after several online attempts I was able to make a payment of {$360.00} on XX/XX/XXXX. I then was able to make another payment directly to RC Willey over the phone for {$100.00} on XX/XX/XXXX which brought my account current. Now my remaining balance was {$1000.00}. 
Several times since I tried to access my online account to make a payment and was told the same information. Both RC Willey Finance and the Collections office would not help me. They would not give me an accounting of my balance, interest, fees or payments. 
On XX/XX/XXXX I called RC Willey to try and make a final payment to pay off the account. Again I was referred to XXXX XXXX. They told me to call their attorney. I called on XX/XX/XXXX. After identifying myself I asked her name and was told she would only provide her first name, XXXX, and was not allowed to give out her last name. She stated she was the attorney for XXXX. She said she wanted payment {$1500.00} which was the incorrect amount because I had already made a total of {$460.00} leaving a balance of {$1000.00}. She threatened me saying that if I did not pay this whole amount plus the {$700.00} in fees by the collection agency she was going to send this account over to " legal '' where my expenses would increase due to court costs and attorneys fees. In addition, she said a letter was sent to my house in XXXX which I never received. I did not receive an email from them either. I had moved however a forwarding address was placed with the post office in XXXX. She told me this is the first time I had reached out to them which is not true because I have phone records to show that I have spoke with them and RC Willey in the past several times. She placed me on hold and came back saying that I was correct in the amount due of {$1000.00} but I would owe them an additional {$700.00} in fees. She said if I didn't call in every month and pay something toward these fees then she would send my account over to " legal '' and I would again be responsible for court costs and attorney fees in addition to the {$700.00}. She was very intimidating. I did agree to pay the balance of my account in full of {$1000.00} which was deducted from my account on XX/XX/XXXX. I am not happy about the deceptive and illusive way RC Willey and XXXX handled my account. XXXX and XXXX as their representative have been untruthful about my attempts to contact them and have not done what is required by law to give me notice about my account and provide me with a Validation Notice about my debt. I have been a good customer and had a history of making timely payments. I have always been in good standing with all my other creditors except for this one. I was told by XXXX at XXXX that this could be on my record for 10 years. I am upset that this had to go so far when I was attempting to pay for the last XXXX months but neither RC Willey or XXXX was interested in really helping me resolve this. They just wanted to make more money by not allowing me legal access to my information or allowing to make payments once I was able.