Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
I had court with Messerli and Kramer on XX/XX/XXXX of 2025. They had filed a judgment conciliation court against me for a debt that was owed. In court we did come to an agreement as I do agree that money was owed to the original creditor. We came up with an agreement that my balance of XXXX was to be dropped down to {$750.00} dollars owed instead and that would be paid for the next three months on the XXXX of each month starting on XX/XX/XXXX for the amount of {$250.00} dollars a month. On the Friday of the XXXX I did try calling the agency in which no call was returned. I did so, as I seen online that for some reason it was showing my balance at the amount of XXXX still, the amount that was not agreed on. I did not make my payment because they did not hold up there end of the deal that was agreed upon in court. I called them immediately again on Monday as I did not want to default and was still trying to hold up my end of the agreement. Apparently the lady explained this was an error on their end and that it would be fixed as we got off the phone. Still hasnt been fixed by the way .. so I took her word for it and made my payment of {$250.00} like agreed upon after we got off the phone with the collection company. They told me since it was a payment made with a routing and checking number that it would take some time for the payment to come out. I checked daily and there was never an attempt of them pulling the payment out of my account. I always have money in my account well over the amount they were suppose to take so there should have been no issues with this. Around the week and half mark I gave them a call to see what was going on and why the payment wasnt being taken out. I do have screenshots of my payment being accepted/submitted so I know it went through no issues. The first lady I had spoken too was very rude. She kept cutting me off and screaming at me when I tried to ask simple questions. She stated she needed to transfer me to my representative who was on my case absolutely ignoring all of my questions and stated she didnt want to deal with me. Then I get my representative who did not verify who she initial was. She also cut me off. I asked her why I couldnt finish my sentence before she cuts me off. She literally raised her voice yet another person getting unprofessional with me. Stating because Im going to get out what I need to say.. I understand that but why is a collection company allowed to raise their voice at me over the phone, proceed to cut me off every time Id speak then says we have been trying to call you, its not my problem you played around and answered the phone and hung up. I told her you never once tried to call me. I asked her what phone number she even had. She proceeds to tell me a phone number I have never been associated with. I told her this was my only phone number the one Im calling you off of. Not sure why the collection company doesnt have my number when this was confirmed in court with them. She then tells me the payment was returned. She never explained why. She asked me if I had an online bank, I told her no. She asked me what the name of the bank was. It took me a minute to respond as my husband runs our finances and I wasnt sure the name as we also switched banks this year. I told her let me get that information. Not even 10 seconds goes my shes yelling on the phone for the bank information. Just overall rude, unprofessional, uneasy, unethical, disrespectful, dishonest collection company. They broke XXXX on many occasions. Rude fowl language towards me. Overall abusive tone and ways to collect a debt. Im not sure how they are still in business.

Company response to consumer: Closed with explanation