Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Credit and Collections Inc.
State: KS

Complaint narrative:
The collection agency is XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX Apartments. 

I had moved out of my apartment and gave them the correct forwarding address so that I could receive mail. Afterwards the property did a walkthrough of that apartment and is claiming they had to do cleaning and property removal. I was not present for this walkthrough. There were charges for cleaning and property removal and other various things. The property then sent a letter to my forwarding address with the move out charges enclosed. This letter was never received by me as it was returned by mail back to the property. The property then sent these charges in the amount of {$330.00} to the collection agency. The collection agency has been calling me about the debt. I began to speak with the collections agency regarding the debt. They told me what I owed. I raised a few concerns to the collections agency regarding this debt such as I never received a letter in the mail from the property about move out charges, a payment plan was never able to be set up with the property and I asked for proof/verification of the charges against my account. I also told the collection agency I wanted to see photos of the charges so that I could verify that these charges are correct and that the actions the property had taken did actually happen. The collections agency told me that neither them or the property had photos to verify the debt like I wanted. I also asked the debt collections to provide to me a call log from the property for there attempts to contact me about the returned letter they had received. I had found out after speaking to the property itself that in the letter there was an option for me to set up a payment plan before this had went to collections. I told the collections agency that I did not have a chance to settle the charges with the property before this had ever went to collections. I told the collections agency on XX/XX/22 ( date according to agency ) that I wanted to dispute the charge against my account because I wanted to see photos of the charges, I never received a letter in the mail from the property, I was never able to set up a payment plan. I received a letter in the mail from the collections agency that had a cover letter on it discussing my verbal communication to them of dispute and my request for verification of the debt. In the letter there is also a move out statement, XXXX ledger, and lease contract. There are no photos to verify the debt that is being owed or call log to show that the property tried to contact me after receiving the returned letter in the mail. The collection agency called me and left a voicemail on XX/XX/22 attempting to collect the debt once again. This is with in the XXXX  days statue of limit of them not being able to call me regarding the debt because it was in dispute. After I received the voicemail I called the collections company and spoke with XXXX. I asked XXXX about the status of the dispute and she told me that the dispute had been resolved because they sent me a letter in the mail about my request for the dispute. Furthermore XXXX said that my request for dispute had been satisfied because my request for verification of the charges against my account had been satisfied. XXXX told me that the only thing that the collection agency had to give me was a dispute letter, ledger and my lease agreement. I asked her about the photos and call log she said that she did not have to give me that. XXXX then asked me how I would like to pay this debt. 

Above I gave a story of the situation regarding the debt and where it currently sits. Other than the actual attempt to collect the debt I have had other issues when dealing with United Credit & Collections. I raised these issues and concerns to XXXX, XXXX, and to XXXX XXXX left voicemails ). The issues I am having is that when I try to discuss the events and what has transpired with the amount owed I am being verbally abused and harrassed by the collections agents. XXXX has raised her voice at me, she will stop me from speaking, she doesn't take my concerns or requests serious, hangs up on me, puts me on hold until the call drops, she will interrupt me when I speak and not let me finish my sentences, she will verbally infer that I am just trying to not pay the debt, she has made bad/negative remarks towards me, and say that I am just not trying to work with the agency or move forward. Another issue I have in which I raised to XXXX is that I am trying to move forward and work with them and in order to do so I need them to provide to me the things that I have requested. XXXX will say that I am not trying to resolve the claim and hang up on me. I have then raised those concerns to XXXX and have asked to speak with the XXXX but she will tell me she is the XXXX. I was told by the apartments that I needed to call and ask for XXXX which I have and had left him voicemails a couple different times. XXXX would tell me I cant speak to him and that he doesn't take phone calls. I told her well I need to talk with her higher up or a XXXX because I do like the way she talks to me or treats me. XXXX has then sent me to XXXX a couple different time and when I begin to raise my questions and concerns to XXXX I get hung up on fairly quickly. I then get routed back to XXXX in which we continue to go in this same cycle of the collections agency not wanting to provide to me the documentation that I want/need and XXXX treating me with a lack of respect, courtesy and professionalism. I then try to pursue some relief from this abuse by speaking to XXXX or someone with more authority than XXXX. Finally on XX/XX/22 after I had called back XXXX to XXXX times because I was hung up on XXXX told me that they were going to have my phone number blocked and hung up on me again. I called back one last time asking if they had an HR or ethics line and she had told me that they don't have anything like that. A major concern with this whole ordeal is that the collection agency is trying to make me look like the bad guy even though I have had a calm temperament along the way and the agents ( primarily XXXX ) have lost there temper on me many times because I have not paid the collection immediately, have pursued fair treatment as a consumer and validation of the debt. Me calling XXXX or XXXX times is to get the information I am requesting and to voice my concern fairly but for some reason XXXX and United Credit & Collections don't want to provide that for me or can not. 

I am positive that the collections agency has called me more that XXXX times in a given 7 day period and have called me with in a 7 day period after engaging in a phone conversation. This whole ordeal has taken a ton of time from me and has caused me a lot of stress. I believe my health is effected from this whole situation mostly because of the way I have been treated by XXXX and United Credit & Collections. I have not been able to sleep after speaking to XXXX on the phone because of the way she talks to me and her verbal abuse causes me to have XXXX  and XXXX.

Company response to consumer: Closed with explanation