Consumer complaint received 2015-05-06
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: GMA Investments, LLC (VA)

I got home from work on XX/XX/2015 and my wife gave me a message that a debt collector named XXXX from XXXX XXXX called my mother in laws house. She had told my mother in law that she needed to talk to me about repossessing something. I called the number immediately and left a message saying i was very upset about her phone call and to give me a call a.s.a.p. I got a call from XXXX the next day around XXXX, she was instantly hostile towards me about the message I had left and called it " XXXX '' and then proceeded to harass me about my debt that I owe on a jewelry credit card. she told me i was a loser for not paying for my wife 's jewelry and asked me sarcastically " how old are you ''. She also told me that she was going to get a police escort, find me and take back my wife 's jewelry, she said she already had my mother in laws contact information and was going to start there. she continued to belittle me and after trying to explain that I had lost my job and gone through some major family issues she told me she did not care and to start paying my bills before the cops come looking for me. After hanging up on me I called back to see what I could do to not have some weird people or the cops knocking on my Mother in laws door. she told me she had already submitted the claim for repossession but she might be able to work out something and she would call me back. when she called me back she gave me some options that I could not do and I said " i guess you have to do what you have to do ''. After that I called my mother who has been in XXXX for almost XXXX years and told her what had happened. She immediately told me she had broken all sorts of laws ( ex. not telling me that the call was being recorded, abusive language, talking to a third party about my case ) and that I should call the jeweler to make sure that it was not a scam because XXXX from Summit Receivables was very unprofessional and if it was not a scam that I need to file complaint with the CFPB. I called XXXX from Summit Receivables and asked her for her name and other information about her company, she refused so I told her I was filing a complaint with the CFPB and she proceed to laugh at me and tell me to just shut up and pay my bills then she hung up on me again. I called the jeweler and the sent me to XXXX who was taking over the debt. XXXX from XXXX was very helpful and filed a complaint with his company and agreed that what had happened was very unprofessional and XXXX had broken alot of the guidelines debt collectors have to follow. XXXX also told me that the whole " repossessing '' thing was a lie and the companies name was Summit Receivables and not XXXX Repossessions like XXXX had told me. My biggest thing in all this is I understand I have a debt that is unpaid but alot of uncontrollable circumstances went into me not being able to pay that debt. if you look at my past payment history it was flawless. XXXX was abusive and humiliated me to my mother in law with lies about taking jewelry away from my wife. people like this should not be allowed to have jobs like this if they have 0 people skills and 0 selfcontrol