Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Consultants, Inc. (OK)

The situation of focus that occurred was a phone call on XX/XX/2018 at approximately XXXX XXXX   and was in regards to a debt with XXXX XXXX XXXX XXXX. 

When the incident occurred I received a phone call from a debt collection agency called Diversified Consultants XXXX ( XXXX ) XXXX. Once I answered this phone call a female representative began to recite the dialogue explaining that this was an attempt to collect a debt etc. They have a job to do and I completely understand, after finishing I explained to her that I spoke to someone from Diversified Consultants two days prior and had explained that I was disputing the debt and was currently discussing this with XXXX XXXX XXXX. At this point the female representative began to denigrate and chastise me. Every time I tried to explain the situation, she just became angrier. Bottom line, no one is probably going to read this, and if by some miracle this is read, there is probably nothing that can be done. But, simply put, this lady chewed my XXXX out over and over again for quite some time. I immediately called back and requested to speak with a manager, which I did and explained the situation. He reassured me that everything would be handled etc, and he said it all in a tone and manner that said, XXXX off I deal with this everyday. 
My point is this, I have looked on the internet and talked to several people and mine is not an isolated incident, this is a systematic and deliberate tactic and approach towards the numerous accounts that they are contacting on a daily basis. It is very clear to me that this behavior is an institutional norm and that far from being tolerated, is actually encouraged. In short, this is wrong and I realize that some of what I just said are opinions and not based in fact, but if the stated goals of the Consumer Financial Protection Bureau are things that are adhered to, then this company should be investigated, so that the abusive practices acted on by this company and its employees can be discovered and ultimately halted. 
All of this is important, because the culture which permeates the facilities in which Diversified Consultants ( Abbreviated DC henceforth ) employees work. This " culture '' is one where verbally abusing the people that you contact is completely justified and an acceptable practice. But, leaving the decision to resolve this and also just how to do it will obviously result in this whole thing coming to nothing. A debt collection company has no vested interest in promoting the least bit of professionalism and courtesy towards those which it collects debts from, because they are not the company 's customers and therefore how these people are treated is absolutely of no concern to them. But, there something of note for all involved, including DC if they happen to be reading this. Interestingly enough when speaking to the representative at XXXX XXXX XXXX XXXX, I passingly informed he/she of the, well to put it kindly " negative '' incident. When doing so, I was informed that XXXX XXXX XXXX representatives receive a number of complaints like mine in regards to DC. Also I was informed about the fact that knowledge of these complaints is widespread among XXXX XXXX XXXX employees, and that those whose job it is to speak with and assist customers know how DC employees are treating people. I apologize for this being so long, but this has been an unrealistic attempt to try and describe the incident that occurred with me and others in a way that doesn't make YOU, the person reading this think, " why is this guy so upset? So, someone was rude to him, get over it ''. Because, the whole thing was highly offensive and even more so when I realized that the person whom you are supposed to talk to at Diversified Consultants when there is a problem has just as much contempt for you as the person about whom you are complaining. Lastly, speaking with others and reading about the experiences of others might not be enough proof to condemn DC, but it is certainly adequate to inquire about the possibility that these are not isolated and circumstantial events. 
Lastly, again I realize there is scant chance of this ever being read, and it is even less likely that anything will be done. But, if you are the someone who took the time to read this, let me take a moment to thank you very much for doing so and praise you for your value in laboring towards the noble and ideal goals of the CFPB. Thank you so much and try to have a wonderful day! 

P.S. If this does in fact go nowhere, I do sincerely appreciate your time and for at least hearing things out.