Consumer complaint received 02-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pangaea International Receivable Services Inc. (MO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Talked to a gentleman today from a Collection agency stating He represents XXXX and I oh them {$610.00} Because I was in a contract with them and had an early termination fee of XXXX %. 
I told him I already fought with XXXX list all summer and wrote them over 20 different time and spent hours on the phone talking with them and they didnt care and refuses to do anything about it and I told them I was dispute it with my bank because it was n't right and unfair to take {$600.00} out of my business account without notifying me because I cancel services with them from being unhappy with there services. 

XXXX ( my bank ) on XX/XX/XXXX found me to not be at fault and return the money to me after an investigation with XXXX. 
After that angy 's List sent my balance over to a collection agency as of XX/XX/XXXX I work my my body to the ground every day to support my son and i and thought that XXXX would help my business grow to be very successful. Unfortunately that was not the case at all. they took a vantage of me by a slick sales man, XXXX me into signing a contract and send it back to him immediately without going over it with me and explaining it to me. Only to find out that they have a out rages cancellation fee that they now feel it is due to them without ever helping my business or helping me out. And after I canceled with them they continued to take out monthly installments. I was told it takes awhile to get back to auto-payment to stop. 

The Collection agency person told me he represents XXXX not me and his job is to get it lowered and paid off and for {$310.00} we could settle this all without it hurting my credit score or involving lawyers, if this would of been offered to me over the summer while fighting with angy 's List I might 've takin it. 

But At this point it 's the principle that they can not take money from me that I work very hard for every day for something they did n't help me do. This had cause me a lot of unnecessary stress, emotional breakdowns and hours of my time I can not get back. Every time I call XXXX and get some sales person or some manager who is rude and unkind and unfair uncaring of anything that was going on. XXXX does n't care about this little amount of money that they think I/O them. They are just cruel and uncaring people and not good business people either. 
I would never have somebody stay in a contract with me if they were truly unhappy with my work. Noir would I ever cause them so much stress over the issue either or charge them an XXXX broken contract fee either. It 's just a part of business. You win some you lose some but this is outrageous. 
Just because angy 's List is bigger than me, has more money then me and power they think it 's ok to just take A vantage of me even still at this point. Even after losing against my banks investigation. 
Who 's here to represent me and protect my credit score? I work so hard for? and my money? 
They told me I could hire a lawyer but it would cost me {$1000.00} in lawyer fee to fight them in court. 
It 's not fair, it 's not right and this is why I 'm fighting angies List, so it does n't happen to any other innocent hard-working American person ever again. Because all angies list is now is a bully taking from the small companies trying to make it out here. 

XXXX XXXX XX/XX/XXXX XXXX our support team. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Phone : XXXX Mon - Fri XXXX XXXX - XXXX XXXX ET Fax : XXXX Pangaea INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fax_ XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation