Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: SC

Complaint narrative:
I am filing a complaint against Source Receivables, a debt collection agency, for what I believe are unfair and deceptive debt collection practices. This includes their refusal to offer reasonable payment arrangements, demanding specific payment methods, and continuing to contact me after an agreement was made to settle my account. 
Summary of the Issue On XX/XX/year>, I received a letter from Source Receivables stating they were collecting on a debt for a T-Mobile account with a balance of {$200.00}. 
XX/XX/year> : Refusal to Offer a Payment Plan In XX/XX/year>, I contacted Source Receivables to discuss a payment plan because I was unable to pay the full balance. The representative was unhelpful and stated that Source Receivables does not offer payment plans. They demanded that I pay the full amount over the phone using a debit card, which I was not comfortable doing. I ended the call after this conversation. 
XXXX to XX/XX/year> : Continued Harassing Phone Calls After the initial call, Source Receivables repeatedly called my phone from XXXX through XX/XX/year>. During this time, I was experiencing significant financial hardship due to my self-employed XXXX business suffering a reduction in customers. In addition, I had to shut down my business in XX/XX/year> after incurring a major car repair bill of {$1800.00}. I did not answer the calls because I was not in a position to pay the debt. 
XXXX XXXX  : Settlement Agreement Despite my financial difficulties, I wanted to resolve this debt. In XXXX XXXX, I contacted Source Receivables again and offered to pay a partial amount of {$150.00} as a full settlement. I informed the representative that I would not pay with a debit card over the phone but would send a money order for {$150.00} to their address. The representative initially said they do not accept this method, but after consulting with a manager, they agreed to my terms. The representative confirmed that once the {$150.00} money order was received, the account would be considered " satisfied and paid in full, '' and they would report this to the credit bureaus. 
XX/XX/year> : Continued Communication After Settlement On XX/XX/year>, at XXXX XXXX, I received a phone call from Source Receivables. This call occurred after the settlement agreement had been made, and after I had already sent the money order. This continued communication violates the agreement we made to settle the account. 
Evidence Provided I am providing the following documents to support my complaint : Phone call logs : Documentation showing repeated phone calls from Source Receivables from XXXX to XX/XX/year>, after I informed them I was unable to pay at that time. 
Money order receipt : A receipt for the {$150.00} money order, which was sent to Source Receivables as a full and final settlement of the debt. 
Phone call logs : Additional phone logs showing a call from Source Receivables on XX/XX/year>, after the settlement agreement was made.

Company response to consumer: Closed with explanation