Consumer complaint received 09/28/2017 about Debt collection (Auto debt) with Recovery Partners, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I was contacted originally by mail on XX/XX/XXXX by Recovery Partners , LLC for a claim from XXXX XXXX for a vehicle accident that happened on XX/XX/XXXX. The claim was for {$4100.00} which was pending. I originally called and had talked to my representative at the time, XXXX XXXX, who then stated that if I could or would not make payments that they would have my car registration suspended. She stated that {$25.00} was a minimum payment of the now {$3600.00} claim, but I decided to make monthly payments of {$100.00} because I did not want my property to be illegal to drive. She stated at that time that I could later contact her if that {$100.00} bill needed to be lowered or if I could pay the remaining part of the claim. I have been paying the monthly payment of {$100.00} for the past 2 years ( without fail ) and brought my balance due down to around {$1700.00}. I contacted Recovery Partners , LLC on XX/XX/XXXX at XXXX Central time to possibly lower my payment due to a loss of job. I was then told that XXXX XXXX, my original representative, no longer worked for their company and that my new representative would now be XXXX XXXX. I was put on hold for a few minutes and then proceeded to be harassed by XXXX XXXX. I told her of my situation and asked her if I could get my payments lowered to a minimum, in which she in turn told me the actual minimum to my balance was {$150.00} and she could not lower it. I then asked her why, then, did XXXX tell me initially that I could lower my monthly payments to as low as {$25.00}? She then told me that she would just cancel my payments and that she could n't do anything if something was sent to the XXXX to suspend the registration on my vehicle. In other words, she threatened to make it look like I had stopped making payments so the company would take action to get my registration suspended. We got into an argument in which I asked for her manager and she told me that he would have to call me back. I then told her that they have to contact me by the end of the day so I could get this resolved before my next payment of {$100.00} goes through on XX/XX/XXXX, she then told me repeatably to " stop threatening her '' and to " fix my attitude ''. I was agitated and upset during the call, but never once verbally or physically threatened XXXX XXXX. I hung up and then proceeded to contact my local XXXX and ask them if this company could truly suspend my registration, in which I was informed they COULD NOT. I called Recovery Partners toll free line again at XXXX Central time and was put through to a voicemail system. I left a message stating that I would like to be contacted only by a manager and not my current representative due to the lack of communication and respect I was given earlier in the day. I received no call back. I again called this morning on XX/XX/XXXX and left another message to be contacted or else I would cancel the payments with my bank. I also contacted the direct number of XXXX XXXX to see if I could be directed to the manager from her and got a voicemail. She then called me back to tell me that the manager was in but " she did n't know where she was at, but that my message has been directed to the manager '' I told her that I needed to be contacted by the manager as soon as possible, preferably by the end of the day as my payment goes through this following day of XX/XX/XXXX for {$100.00}. I was told several times by XXXX that I " attacked and threatened her '' the previous day on the phone and she was " not going to get into it with me again and that she could cancel my payments '' and she " tried to resolve the problem yesterday and get my lower payments approved '' which I believe to be untrue, she never once told me she was trying to approve a lower payment, she only told me that she was cancelling my payment when I questioned her as to why I was told previously by a different representative that I would be able to. I never once stated to any representative that I wished to cancel my payments, and XXXX XXXX was exceptionally rude and threatening. I have been told several times over by several different representatives that if I do not pay a payment, they will suspend my vehicle registration, which is false information. I was previously led to believe that later down the road, if needed I could lower my payment to as low as {$25.00} but told that because the original representative, who worked for them up to at least XX/XX/XXXX, was wrong that I could n't get my payments lowered. Throughout all of this one of my main objectives was to not only get my payments lowered, but to change the card number in which is charged due to the account on file being overdrawn. I was never able to get to that part because of the way I was threatened and mistreated over the phone by their current representative XXXX XXXX. I 've done online research and contacted XXXX directly in which they all inform me that it is illegal for them to tell me that. I would like this to be resolved quickly as my payment is due tomorrow XX/XX/XXXX, but know that is most likely not possible. I have cancelled my card connected to the payments for this company until further notice or until an actual manager or supervisor contacts me with more information.

Company response to consumer: Closed with explanation