Consumer complaint received 08-02-2017 about Debt collection (I do not know) with Argon Credit (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have a personal loan with Argon Credit. I have also filed for bankruptcy ( Chapter XXXX ). Argon has taken money out of my checking account three times without my consent, by using electronic checks. My bank recovered the funds for the first unauthorized check. The last two have been withdrawn since my bankruptcy was filed, and I was put in a " stay '' with any collections.
I continue to get phone calls from Argon 3 to 4 times a day. I have called them and emailed them requesting that they stop harassing me and gave them my bankruptcy and attorney information. The phone calls have yet to stop, even though I 've been told by phone and email that they would note the bankruptcy, and refund the unauthorized withdrawals taken from my checking account.
Below are some of the latest correspondences and dates : XXXX/XXXX/17 - Email - Myself : " Do not contact me any further. I have filed for bankruptcy and have a stay in order. Any further attempts to contact me or take funds out of my checking few will be dealt with through my attorneys.
I 've had two withdraws already that were taken without my consent. The first was taken care of by my bank. If you would like to settle this out of court I suggest you return the last unauthorized withdrawal made on XXXX/XXXX/2017 in the amount of {$250.00}.
I thank you in advance for your cooperation. '' XXXX/XXXX/17 - Email - Argon Response : " Hello XXXX XXXX, Sincerest apologies for the inconvenience. You have been placed on the refund list! Once funds are approved it will go back into your ACH on file! In regards to your bankruptcy, we have placed the proper notation on your account and removed your contact information.
Thank You, Support Team XXXX XXXX XXXX | XXXX XXXX | XXXX, IL XXXX XXXX  P:XXXX FXXXX www.argoncredit.com '' **At this point I continue to get phone calls trying to collect debt.
XXXX/XXXX/17 - Email - Argon Credit : " Your account with Argon is due in 1 days, and will automatically be processed. Please make sure there are funds in your account to cover your payment amount.You do not have to do anything at this time, but if you need to make alternate arrangements, please call XXXX.
If you would like to use our online Borrower Portal to make payments, goto lms.ArgonCredit.com.If you have any questions, our representatives are here to assist you Monday through Friday XXXX - XXXX CST.
Regards, The Argon Team '' XXXX/XXXX/17 - Email - Myself : " This is the 2nd time I have sent this message. If any funds are taken from my account my attorneys will take proper action, as I am in a stay of bankruptcy and you are not allowed to try to contact me or collect any money from me. See original email below ( dated XXXX/XXXX/17 ). '' XXXX/XXXX/17 - Email - Argon Credit : " RE : FOURTH REMINDER - DELINQUENT ACCOUNT Dear XXXX XXXX, Our polite attempts to amicably resolve your failure to pay your monthly installments and your failure to reply to our previous letters force me to offer you this final chance to make payment before I take more severe action to collect the money that is owed to our company.
Unless I receive payment in full immediately or a partial payment of {$2.00} XXXX along with a phone call to set up a payment schedule I will be forced to take legal action.
Please submit a payment promptly by calling XXXX.
Your loan number is at the top of this notice.
If you have any questions, our representatives are here to assist you Monday through Friday XXXX - XXXX CST.
Regards, The Argon Team '' XXXX/XXXX/17 - Email - Myself : " To Whom it Concerns, I filed for bankruptcy on XXXX XXXX, 2017. As of this date, I should not have received any further calls or emails in attempt to collect on this dept. However, I have been harassed with phone calls, emails, and mail threatening me that legal action will be taken if I do not make a payment.
I have also requested Argon repay the amount they withdrew from my bank account without my authorization. This has happened on 2 occasions. The first was handled by my bank, the second is to be refunded asap, as I was told ( in writing ) would happen. If this is not handled promptly, I will be forced to take legal action through my bank.
I have called Argon to no avail. I have sent numerous emails, regarding this and other issues with my account. I have received only the one response. '' XXXX/XXXX/17 - Email - Myself : " In regards to the refund I was promised by Customer Service in the attached email, I have attached my Bank statement showing the transaction needing to be refunded.
This refund is to be issued due to it being an unauthorized withdrawal from my account, and I have already filed for Bankruptcy.
Thank you in advance for your cooperation in this matter. '' **XXXX/XXXX/17 - Argon Credit made yet another unauthorized withdrawal for {$250.00}.
XXXX/XXXX/17 - Email - Myself : ( to my attorney ) " To whom it concerns, Good morning, my name is XXXX XXXX. I have a XXXX meeting scheduled for this morning at XXXX. However, due to extenuating circumstances I am unable to attend. I would greatly appreciate the chance to reschedule at your earliest convenience. I apologize for any trouble this may have caused.
One of my creditors, Argon Credit, withdrew an unauthorized payment from my bank account leaving me without enough money to even get has to drive to and from XXXX. This is the 3rd time they have wrongly ( possibly illegally ) taken my money without consent. I have it in writing that I would be refunded the last withdrawal & have it noted on file that I have filed for bankruptcy.
Despite my numerous emails, and attempts to reach them via phone, requesting they stop harassing me, it continues almost daily.
Again, my deepest apologies for being unable to attend this meeting today. I understand the importance and I will do whatever is necessary to make this situation right. Thank you in advance for your understanding and willingness to work with me in resolving this issue.
Sincerest apologies, XXXX XXXX '' XXXX/XXXX/17 - Email - Bankruptcy Attorney : " XXXX XXXX, The courts will give you one reset hearing, we will call you with the information later today. Keep in mind that the reset hearing is mandatory.
In regards to the harassment from your creditors, I will forward this email to our notifications department so that they can contact them by phone. If you have any additional concerns regarding this creditor, I suggest you give our office a call. '' XXXX/XXXX/17 - Email - Myself : " To Whom it Concerns, I have attached the following documents as requested to ensure my money is refunded immediately. See attached bank statements, running ledgers, copies of unauthorized checks made by Argon Credit, along with email correspondence stating the refunds will be taken care of. You will see I have highlighted the unauthorized withdrawals along with the NSF fees I incurred due to these unauthorized withdrawals.
My attorneys contacted Argon Friday requesting these refunds, and also requested that I receive no more harassing phone calls. Neither of these have happened yet. I appreciate your prompt attention to this matter, and I look forward to seeing the refunded amount due of {$610.00} ( {$500.00} in unauthorized checks and {$100.00} in NSF fees ) to be in my bank account tomorrow ( XXXX/XXXX/17 ). '' ** No refund has been issued, and I am still receiving phone calls. ''

Company response to consumer: Untimely response