Consumer complaint received 02/28/2018 about Debt collection (Payday loan debt) with Cash Express, LLC (KY).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On XX/XX/XXXX an employee from Cash express called me and questioned me about a collect from XXXX. I told her this had been resolved because it ended in a judgement being filed against me. She apologized and said she would call back after she got more information. About 10 minutes later I get a call from a XXXX XXXX XXXX employee named XXXX. She informs me that I owe them {$840.00} dollars for a debt owed to cash express and that this includes interest. I inform  XXXX that I had resolved with a prior collections agency ( because we agreed on a lesser amount years ago ). She tells me that I did not have a written agreement and I owe them {$840.00}. She proceeds to tell me that I made payments to XXXX something and that the last payment was in XX/XX/XXXX and that it's my responsibly to keep up with my debt and I owe {$840.00}. I tell XXXX that I can not afford that amount and that was not what I had agreed to with the other company. She tells me this is what I owe and asks me what I make and she will see what she can do and places me on hold. She comes back and says I do bi-weekly XXXX dollar payments. 
I asked XXXX when the last payment shows to the other company and tell her that I'm looking at the statute of limitations, at which point she cuts me off and her tone becomes more aggressive toward me. She states harshly, " you can get an attorney if you need '', and I stop her and tell her I will if I need to. She lashed back at me " There is a judgement out against you in XXXX XXXX! '' I start reading about they have 6 years to collect on a debt and before I can ask her a question. She barks, " We have 15-20 years for a judgement! '' I tell XXXX that I am just trying to get all the information, she tells me that she will not work with me. She tells me you owe {$840.00} dollars and you have 10 days to pay!. I again tell her that I can not pay that, and most definitely not in that time frame. She then says, " Well I can not work with you! '' I tell her I need something in writing, she refuses and tells me she refuses to work with me and hangs up. 
Annoyed I call cash express back and tell them what happened. The same lady who originally called me apologizes and says she will talk to her super, and proceeds to tell me that they had not flag my account right in the system after the judgement, but she had fixed it. Then she gave me her supervisors number. I called XXXX, and told her what had happened and she said she would speak with the owner and call me back. She still has not. 
After I got off the phone with all of them, I called XXXX XXXX XXXX back to try to get the information I was needing and had tried to request from XXXX. A women answers the phone and asks who is calling. I tell her I am not willing to divulge the information. All she needed to know was I had a bad experience with an employee there and needed to speak to someone in charge. She transfers me back to XXXX who is still angry and you can hear it in the tone of her voice. I tell her I can tell she is upset, but all I'm trying to do is get the information I need. She continue to take a harsh tone with me, so I tell her that it's unacceptable. I'm in XXXX and that I am not being rude or getting upset with her. I'm just trying to get all the facts. Still in a harsh tone, " We can not come to an agreement! I can not work with you!. '' I tell her I'm trying to work with you. " I know, I am refusing to work with you! ' and she hung up on me again. 

On the XX/XX/XXXXI get papers from XXXX XXXX XXXX   dated for the XX/XX/XXXX that says that they are basically working on behalf of cash express.

Company response to consumer: Closed with explanation