Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
These are customer complaints in regards to Southern Oregon credit to verify my complaint is accurate. Please explain how you treated all your debtors like this : 1. Anonymous customer a year ago What a bunch of horrible people! Years of paying faithfully on a debt and it was time to renew I play phone tag with them for weeks, and because no one ever answered the phone I was garnished. I get that debt collectors have a horrible job-but after being a faithful good standing client for so long, and they dropped the ball I get punished. ABSOLUETLY WRONG IN EVERY SENSE OF THE WORD!!! When I called to see if they would drop it and just let me keep paying the woman was SOOOO RUDE! I used to think somewhat highly of them ... now FORGET IT!!!! 2. XXXX XXXX Local Guide1 photo 3 years ago Interesting how when you have proof that your hours have been cut and cut and cut again and are barely getting by and this company goes ahead and files in court AND starts garnishing my wages. Thankfully the company I work for knows the law and only payed them a very small portion of my paycheck. Even the judge must know somethings up with them because they only allowed for 90 days of collections. I understand these are hard times and they are hard nosed but come on. Lets get real. I had a total of 41 hours for two weeks on my check. No groceries for me. 3.XXXX XXXX 2 years ago I Ca n't believe how unfriendly and rude these people are. They took over my account from XXXX XXXX Billing Services and added over {$100.00} in doing so, a transfer fee they say. Certain female reps are worse than the men. I 've tried and tried to work with them but they block me in every way. I 'm willing to pay what I owe but do n't have the means to pay outrageous monthly payments. I 've been threatened with court action more than I can count. 4. XXXX XXXX a year ago I received a phone call from a lady there. Did not disclose any information as to who she was where she calling from letting me know she was sending a letter. Little did I know she was sending a garnishment for something my health insurance would have paid. Very shady company and dosent comply with Oregon State Law 5. XXXX XXXX a year ago these guys are the biggest joke of all time wont take card over the phone but will take a check everyone there is absolutely rude. very disappointing this place is worse than XXXX 6. XXXX XXXX -a year ago I called to PAY-OFF a debt for my fiance and they would n't let me- due to 3rd party privacy! THEY WOULD N'T LET ME GIVE THEM MONEY ... I was n't asking for information or balances- just to pay something off for someone. What a joke! 7. A XXXX User 2 years ago BUSINESSES BEWARE!!! Southern Oregon Credit Service Inc. uses a tactic to take 40 % of accounts they hold by contacting the person with an outstanding account, then immediately filing a legal proceeding against them. This allows Southern Oregon Credit Service to take  40 % of your account balance instead of their initial 30 % for simple collections. They do this even when your previous customer is VERY WILLING to pay their entire outstanding bill. I am in the process of trying to pull ALL of our accounts they hold. They not only treat your former customers horribly, but they actually gouge you for an extra 10 %. XXXX, were not in Kansas anymore! It 's XXXX Oregon and that extra 10 % hurts. 8. XXXX User 3 years ago Both Business and Consumers beware. Southern Oregon Credit Services feel they are above the law and act exactly the same way. They do NOT ask the story behind each debt and simply ask for the amount owing. They charge excessive amounts for their services. 40 % plus another 9 % annual interest on the total amount. When they try to contact the clients they leave a message that does NOT explain who they are or why they are calling. They simply say " call back eg.XXXX on this number ''. No explanation. So the calls to the people owing money sound like cold calls and naturally people ignore them. They of course make even more money when they take those owing money to court. This has to be fraudulent however even with complaints they continue to operate in Oregon. It 's about time we see some policy makers have these companies and more importantly those working there held responsible for their criminal actions. No point closing the company as those working there simply start up operations again. 9. XXXX XXXX 2 months ago We settled a contested claim in X/2016, just to get SOCS off our backs, giving them at least {$3000.00} in claimed penalties on a {$10000.00} bill Case was settled when we gave them all they demanded. Unfortunately we just discovered almost a year later that they continue to report the claim as unpaid. Review of court documents by our attorney confirms that they have not filed settlement and the credit services ( all 3 ) continue to show the claim unpaid..If I could give a negative star I would. And to think I used to use them as my collection service for my business. Shame on me. Tell me how can all these consumers be wrong it is very apparent and obvious of XXXX oregon credits practices. EXPLAIN THIS TO ME, AND YOUR CONSUMERS THERE ARE MANY MORE I WOULD GLADLY SEND THEM OVER TO YOU IF YOU SAY I AM WRONG YOU ARE SAYING EVERYONE OF THESE CONSUMERS ARE WRONG. THE TRUTH MUST COME OUT AND YOUR UNLAWFUL PRACTICES AND TACTICS MUST STOP ONCE AND FOR ALL.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation