Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Account Discovery Systems, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a message from XXXX XXXX XXXX or XXXX, and the message stated : We have attempted to contact you on several occasions. Due to your lack of response, we are filing a claim against you in the County Court System. If you want to speak with us regarding this matter then please call us at XXXX. I then returned their call to see what this was about. When I called I spoke with XXXX, he said that he was attempting to collect two debts from me. The first one was from a bank, XXXX XXXX XXXX XXXX for {$150.00}, which he said was File # XXXX. The second account was for a credit card, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX, for {$460.00}, which was their File # XXXX. I told XXXX that I do remember those bills, now that he brought them up, but I explained that I have had very poor health and that I only receiving Social Security XXXX. I further explained that most of my Creditors have placed me on a " Hardship repayment Program ''. I told him that I would be willing to pay them but I can only afford a very small amount for each debt. Then, I asked how they got the files or debt, he said they received the files from ADS-Account Discovery Systems. I said to him that I am confused and I am not really sure who I should be legally paying. I also told him that I will only be able to pay by money order, because that is how I pay all my bills. He had a big problem with that. He said that I must pay with a credit or debit card. I told him that I could not do that. We argued back and forth, so he then transferred me to his Floor Supervisor named XXXX XXXX, I went through all the same information with him, and I told him that I was not even sure if I should be paying them these payments, because I was not sure if they were the correct people to pay. I also told him that I could only pay by money order. But, he told me that I better not send money orders because they will not accept it. He said they only take credit or debit card payments. Finally, he transferred me to another person named XXXX XXXX at XXXX, he said that he was a Director. I spoke with him for a while and I told him all the same information, that I was not even sure if I should be paying them the money. I also told him that I can only pay by money order. Finally, I gave him my credit card, the only one I had left, which did not have much of an available balance, because they basically bullied me into giving them this info. They badgered me, and badgered me until I did. Now, I myself worked in a XXXX XXXX XXXX departmentr for over 15 years for a XXXX XXXX XXXX XXXX XXXX, so I am not a person that would easily be pushed into such a thing. But, they were relentless, and because I am in very poor health, I just finally gave in. Now, XXXX XXXX XXXX promised to send me an email detailing all the payments that I would need to pay, he promised it would show all the information that I needed. When I received the email, it was incorrect. It stated that I would make payments of {$20.00} per month plus an XXXX fee for the XXXX XXXX XXXX, XXXX account # XXXX, which I had agreed to that amount ; however, the other debt for the Credit Card account of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX acct # XXXX, the email stated that I would pay the whole account in full, which I did not agree to do. I agreed to pay them in small payments of {$20.00} per month. 
I then immediately sent them back an email stating that I did not agree to those terms of repayment. Then, I began to call them again. I called them and I could not get XXXX XXXX, so I spoke with XXXX XXXX, and I explained that the terms of repayment were wrong on the email that I received, I explained that it stated that I would repay the amount due in full in the amount of $ XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX, for the Total XXXX cc. I told him how I am very sick and on Social Security XXXX and that I can only afford the small payments on each of the two accounts of the agreed upon amount of {$20.00}. He said that he would speak with XXXX XXXX and have him resend it out to me. On XX/XX/XXXX, I called back to check to see why I had not received the corrected email, and corrected details of the terms of repayment. I was able to speak with XXXX XXXX, who very rudely told me that they are not handling the accounts any longer. He told me that I need to call Account Discovery Systems-ADS and he gave me the number to call of XXXX. 
So, I then contacted ADS, and I spoke with a XXXX, he said that they did not have the accounts there with them at Account Discovery Systems, and that I needed to call XXXX. I told XXXX that I had called XXXX just moments before, and they told me to call ADS. XXXX called XXXX XXXX XXXX himself. He said that they would be calling me in a short while. 
Within a few moments, I received a call from XXXX XXXX, with XXXX XXXX XXXX, he said that he was a Director. After I told him all that had happened, he said that he would make sure that I was sent the email, and that it would reflect the correct information, and the correct amounts to be repaid. I did receive that email, and it looked to be correct. Within the email, there was an address to mail the payments to. So, I purchased two money orders, and sent the two money orders via postal mail to the stated place to mail the payments to which is : XXXX XXXX XXXX, C/O XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. I mailed them on XX/XX/XXXX in XXXX XXXX, XXXX, and the post office told me they would arrive to XXXX, XXXX  on XX/XX/XXXX. They were both due on XX/XX/XXXX. 
I waited until XX/XX/XXXX and then called XXXX, I spoke with XXXX XXXX, I began to tell him that I had mailed both money orders on XX/XX/XXXX, and that the post office said that they would arrive to XXXX, XXXX on XX/XX/XXXX. XXXX told me that they did not have the accounts any longer, and that I need to call ADS at XXXX. I then began calling the other company, but all I ever get is a voice mail system. I have left messages with the other company name ADS with two people, one is named XXXX XXXX, and the other being XXXX, a Manager. I keep asking for someone to call me to tell me if they received my payments. No one from ADS calls me back, and I have been calling them for one week. As for XXXX, they would not confirm that they received my payments. So, I need someone to tell me who I should really be paying, and who received my payments that I mailed to them. It might only be {$40.00} to them, which they had said was the lowest payments that they have ever agreed to accept, but to me being that I am sick, this is alot of money. This XXXX dollars could buy my diabetic supplies, and I have chosen to send it to someone toward two old debts. I just need to know that it gets applied to the correct accounts, and that the correct people are being paid for these old debts. Someone please help me! These people are pushy, and unprofessional, and I am not really even sure that they are the legitimate recipients of my payments. And, I am not even sure that they received my payments. Where are they? Again, someone please help me!

Company response to consumer: Closed with explanation