Consumer complaint received 2019-08-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CBM Services, Inc. (MI)

My name is XXXX XXXX, I called today and spoke with one of your agents but was very disheartened. I apologize for the length of this correspondence but I need help and the message was lost on the representative I spoke with today as by the end of the conversation he recommended I plead with the debtor and collection agency for their good graces or risk being sued, garnished, or reported to the credit bureaus. 

I have received mail and phone calls regarding a debt that is being managed for XXXX a couple of years ago. I owe roughly 900 dollars and make payments monthly. XXXX XXXX cashes my checks. In the past four months they claimed I was overdue then tripled my normal bill for three times the amount, I paid it. I am still paying the monthly amounts in addition to this payment but being harassed by this company in XXXX, MI called CBM. I don't know what to do, they seem to be mentally handicapped. The women who called today, XXXX was sultry and rude. She patronized me over a bill I AM AND NEVER STOPPED PAYING! 
Today is XX/XX/2019 at about XXXX XXXX  I received a call from a woman identifying herself as XXXX and she proceeded to ask me verbatim, " You owe 900 and some dollars in regards to your debt with XXXX, what do you plan on doing about this? You should know if we don't receive a response and prompt payment you can expect that this matter will be referred to 'garbled, can't recall ' by XXXX, '' then hung up the phone. I called back and asked to speak with her as well as her manager, XXXX. 
After explaining my distaste for being threatened regarding a bill I am still paying, XXXX was sarcastic and acted stupidly simply repeating what I was saying with a little cute inflection after each statement as if to taunt me. I finally told them, " I don't want to hear from them anymore and that they should get their information straight before calling me. '' They said they understood and recommended I call an attorney. 
I am sick of this system where the everyday people are abused by parasites like CBM. How does the law allow them to threaten me for a debt I am currently paying and have never ceased paying? Is it not your within your purview to enforce the law regarding these matters. I have to drive to XXXX and back today for a class and would have appreciated a couple more hours sleep before my nine-hour day on the road. I certainly would prefer to use this time studying rather than regurgitating the nonsense this system, of which you are a part of administering, has spewed into my day. Please make them stop this and if there is some ability you have to penalize them for threatening me unjustly, use it! 
I am sending my payments, the cashed check stubs from XXXX XXXX, and a statement of my account in good standing from the original debtor XXXX XXXX. Incidentally, I was covered when I had this appendicitis and was retroactively canceled as it happened the month I was laid off from my former employer. They saw an opportunity to try and hit me with a XXXX dollar bill before I was able to continue my health coverage through XXXX. 
Referring someone to debt collections unduly or impersonating a debt collector should have legal consequences for the offender, but when I called your agent suggested they could sue me. I think you need to look at my case and make an example out of it for the sake of everyone. I think you will find that this is not my fault and I have acted in good faith but still been screwed with, once again, by a broken system. 
Your agent suggests I call and plead with XXXX XXXX as well as CBM Debt Collections. Why? I did and this is where I am now. I have done what I can and more than the law requires. I am being victimized and my life is being adversely affected for their mistake, incompetence or felonious impersonation of a debt collector to make a buck. I am unsure which it is. I don't like threats and have a life that requires my attention. Attention now diverted so I can go through all of this absurdity to prove my innocence. It used to be axiomatic that in the U.S. due process was required before people were sanctioned by the apparatus of the state. Apparently, this isn't the case for debt collections and credit reports. 
The people should be protected by their government not told to hurry up and prove their innocence or risk being sued, garnished or whatever else is in the mind of your agent. Is that your purpose? You're called The Consumer Financial Protection Bureau. Is that a misnomer? Should you be called the Consumer Intimidation Agency for the Advancement of Unscrupulous Corporate Interest and the Subversion of Individual Enfranchisement instead? Or perhaps I should heed the advice of your agent to plead with XXXX XXXX once again to get them to fix whatever they screwed up or be sued and lose my assets or livelihood? After all, they're a multimillion-dollar health provider and I am just an individual. Maybe they need XXXX dollars more than I do. 
Whatever your feelings about this matter, I hope you will at least file this complaint and try to resolve this so that it is avoided in the future. My time is up and I have to pack for a long day. Please don't call me as I am asleep to accommodate my class schedule during most weekdays until the end of XXXX. If you have further questions, please email me at XXXX or XXXX.