Consumer complaint received 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Accounts Service Team Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Hello, I called the company " Financial Account Services Team '' located XXXX XXXX XXXX, XXXX, TN XXXX Phone : XXXX, on XXXX XXXX, 2016 at XXXX Central Standard time / XXXX EST. Spoke with a XXXX XXXX regarding said possible collection for the amount of XXXX. I asked what it was regarding and I was told that it was due to a utility bill. I had stated that the bill should n't exist as I would have had to pay any closing amount prior to my moving since it had to do with the city. However due to current circumstance I went ahead and paid. 

I asked knowing that I had been informed by my Bank XXXX to do so, to ask for a copy of receipt and a notice that it would n't hit my credit per agreement upon paying. XXXX XXXX informed said he would send it via email, placed me on hold then came back and was very argumentative and rude. Stating he really did n't have to provide me such requests ( mind you after I had paid it ) as he had just stated he would. Then stated well I sent it via email. I asked well do you mind sticking around for a minute until it comes through. Which it did n't nor has it. I told XXXX XXXX that it had n't arrived and it should have by now, he said i would n't know as I do n't have these sort of problems referring to collections issues. He then hung up on me, I attempted to call back and was hung up on multiple times. I find it odd that the city never sent me ( my address was forwarded to new location ) any notice of debt ( which I would have happily paid ), and henceforth my discussion with XXXX XXXX there was never an attempt to send or present me with the notification or verification of debt. Also upon asking if this was going to negatively hit my credit and if he could make sure it did n't. XXXX XXXX also threatened to the effect that if I did n't do as he was asking that he would ensure it does, how would I like that. that he would mark it to hit my credit report. 

Also as to knowing of this debt I was never sent anything from the city of XXXX XXXX, XXXX regarding this purported debt. Though my address has been forwarded to my new location, my phone number never changed from what they would have had on file for me. My credit has been great and I have worked hard to maintain it so I could utilize my XXXX home loan this year. Unfortunately I fear due to the way XXXX XXXX handled everything, with the deceit, arguementiveness, and threats that this now will be in jeopardy. 

Upon further review of this company I found that this is n't the first type of issue with other collection attempts from other people. That the staff is known for harassing and making false statements while not aiding by the law. That there are possibilities of further illegal activities from the head of company XXXX XXXX. Please see link below of reviews from contracts and former employees posting on google. 

XXXX XXXX did not provide me a full confirmation number neither just the last XXXX digits of XXXX, though I had asked. 

XXXX This place needs to be investigated, fined, shutdown, and all collections accounts for which they service to be notified of their shady illegal practices. 

Thank you

Company response to consumer: Closed with explanation