Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Creditor's Collection Service, Inc. (CA)

XXXX XXXX turned my account, which the balance was very wrong on, over to a collection agency while we had an open FCC complaint, that we were working on. They made no effort to really call me or try to work on the issues. They just tried to close out FCC complaints as fast as they could. I filed at least 3 in a matter of 2 months because they're incredibly incompetent! Finally XXXX at XXXX XXXX office in CA tried to figure out the billing, which I had to do most of the research on. He never once told me that they turned my account over to collections. I found out only because the agency kept repeatedly robo calling numerous times a day. I don't answer any XXXX numbers unless I know who it is. One day I got sick of it & answered. XXXX XXXX ( likely not her real name ) told me that XXXX turned the account over to them & that if I didn't pay I would be reported to all of the credit bureaus. I informed her that I had an open FCC investigation with XXXX & was now angered by this suggestion. She said mid XXXX it would be reported. I left XXXX a message that he responded to regarding this. He admitted they had turned the account over, that if I didn't make the payment I would be reported. What's my incentive to pay them a dime? They took months to figure out something that should've been resolved immediately if they'd investigated properly instead of having me do it, then tried to apply pressure to get me to pay now, when I told him it was rent time, nothing is getting paid but my rent and the best I could do was mid XXXX. I don't like this collection agency 's tactics or greed in taking on accounts they hope they'll get paid on, from a cable co. that can barely understand or read their own billing system that sent me a $ XXXX+ bill for 2 months service, after I disconnected their service, when I scheduled the service to be disconnected at the beginning of XXXX because I moved! This is how bad XXXX 's billing system is. I told their collection dept. what went wrong, they could've cared less because they're not taught to resolve problems. The lady at XXXX said if I didn't pay the $ XXXX+ regardless if it was wrong then they would turn me over to outside collections. I refused to pay a bill I knew was wrong! Almost 3 months later I finally get some where with XXXX and we're on the verge of resolving our differences, they pull this stunt! I was then and still am livid. I maintain that I am not paying the bill and if the agency dings my credit I will get it removed! I have no fear of them or XXXX! Their practices are uncouth and unethical at best. I've reported them to the FCC and FTC for robo calling me without leaving a message. I don't want to hear that stupid excuse that they can't leave a message. Their industry during the Great Recession is the reason the laws changed and they're not able to leave detailed messages. That's not my problem it's theirs! They don't get to harass me numerous times a day, tying up my phone line from receiving important calls that I pay for, with their meaningless calls! I suggest they never call me again! Anyone who gets the account after them will also have the same complaints filed for their practices. XXXX had best write off the cost and move on. This was their fault! I asked them for 2 months to fix the bill and they refused. They made collection calls to me but refused to research the bills I was complaining about! So they need to eat the cost and get off my back!