Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENTAGON FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I was contacted by a representative from XXXX XXXXXXXX XXXX XXXX in XX/XX/XXXX, I answered the call and told the representative that I would call as soon as I went on break due to being at work. The representative began to raise her voice, told me by the time I called back they will have verified employment and hung up in my face. 

The same day I called back several times and spoke to another representative who apologized and sent me to a supervisor. I spoke to the supervisor XXXX and explained what happen and he was apologetic and from that point I explained my situation as far as why the loan was applied for and that the company that basically assisted me and several others with applying for loans to open a business has possibly took the money. I did state that I understand Im still responsible but due to the situation Im experiencing severe financial hardship. After a while he asked what could I pay monthly and stated he got the bank ( XXXX ) to agree to payments of $ 300 monthly. At this time I stated give me a week or XXXX to get things situated and I will call back with a payment. At that time no date was set nor agreement to draft payments out of my account monthly. 

When I did call back to submit a payment due to me not calling in a couple days the matter had been escalated and XXXX transferred me to XXXX which is his boss or upper management. I explained to him what was going on and what has happened and he was very nonchalant, rude and passive aggressive. He stated during the call that XXXX was looking to go after my assets and nothing would happen to the man that owns the business that assisted others and myself with obtaining loans to open beauty supply stores. He also stated that hes been under investigation for a while as if he was already aware of the situation. I asked what does going after my assets mean and he stated I would have to call my lawyer. By the end of the call after his bully and aggressive tactics I told him I would call back to make a payment and he stated well talk to you Friday again in a bully tone. That was after asking again about making a payment and I had already stated I didnt have it that day. I called back and made the payment on XX/XX/XXXX. I spoke to a representative named XXXX who was very short and seemed as if he didnt want to be bothered. I had to request a confirmation number and he advised me to make sure the funds were available in the next XXXX days. The payment was drafted. 

I received an email on XX/XX/XXXX from XXXX XXXX that a payment was returned to XXXX XXXX XXXX and at first I was confused because I was thinking the payment I approved on XX/XX/XXXX had declined. When I checked my account XXXX XXXX XXXX attempted to draft a payment on XX/XX/XXXX without my permission which overdraft my account. At no time during the call with any reps or supervisor at the company did we set a date for payments to be withdrawn from my account or did I give permission for the company to do so. 

I called XXXX XXXX XXXX to see what was going on and after speaking to a representative who answered I was then transferred to XXXX. I advised that I received an email from XXXX XXXX and I was calling to see what was going on and his was response was yea shes in the back office. I really was calling to speak to her due to receiving an email from her. I explained to him that no date was set ( as I explained previously to him ) and no permission was given to withdraw money from my account and you have to have permission to do so. He stated that their company listened to the call before sending me the email I received today and I agreed to my dude date being XX/XX/XXXX and I told him I did not. Even when I made a payment earlier this month nothing was explained. He began to be aggressive because I repeatedly stated there was no agreement and nothing was signed. He stated WELL IM TELLING YOU THAT WE LISTENED TO THE INITIAL CALL AND YOU DID. I then replied you cant tell me anything he stated they could. He also stated well payments arent just taking out once when I said no permission was giving to draft the account monthly nor on a specific date. We went back and forth and he stated he was ending the call and going to report that I refused to pay and that is totally untrue. When I spoke to him earlier in the month he stated that I agreed to a payment date in XXXX and even then I told him I didnt, he then stated in order for the bank to accept a payment plan I would pay {$300.00} then for XXXX and call back by the end of the month to make a payment for XXXX. No specific date was stated and no permission was granted to withdraw funds from my account. Ive spoke to XXXX and the rep even confirmed that the statement he made about them going after my assets wasnt true. Now that XXXX has stated hes not having a conversation with me and hes going to report I refused to pay, there is no way for payment to be made. How is it that XXXX trying to settle the matter and XXXX is making it hard to do so with his unprofessional tone and tactics. So why would any company support that? XXXX not expecting a pity party or anything close but professionalism should be at the top of the list when contacting people. Its so much going on in the world today a lot of people arent even mentally capable of dealing with a situation or a person like XXXX thats representing a company. His actions could be the thing that push people over the edge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation