Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Berkshire Financial Services, LLC
State: NM

Complaint narrative:
I was contacted by a debt collector on XX/XX/XXXX @ XXXX XXXX- the call did not come through my phone but a voicemail left. I returned the call and was met with immediate aggression on the other end. Threats of judgment and liens right out of the gate, with no verification of debt or if this agency truly is legally awarded any payment. The call was ended by XXXX repeatedly - who did not want to help, verify info, etc. I called back repeatedly trying to have a conversation about this, get info, etc. and did request a supervisor. She gave his info to me & I called him. XXXX- XXXX. XXXX was worse than XXXX about refusing to help. I stated my rights repeatedly. I asked for payment options and he told me they are legally not required to give me any info. I stated repeatedly yes they do. He vehemently refused. He finally said payment arrangements aren't afforded you. I stated I did NOT ask for arrangements but actual options. I asked XXXX to listen to hear, not to respond. I stated I know my rights and he advised my getting an attorney. Owning a debt does not give you permission to call and threaten or be abusive toward anyone. You also do have the right to how, where to pay and how much. I stated repeatedly that I would never give someone on the phone {$3000.00} plus just Willy nilly. I stated that the LAW literally tells you not to do that. Why? Because the law knows you have rights & debt isn't a reason to be aggressive. When I asked for my debt in writing I was pushed around. I explicitly said NO email. I got them to give the address and it's where I have not lived since XX/XX/XXXX. I have not received any correspondence from anyone at my current address for all of this time. I did ask for a clear yes or no if a statement was mailed. I did not receive the answer clearly. Just bullying and aggression when asking and being told that I " just want to drone on '' when discussing my rights. The only conversation coming from XXXX agent was aggressive or threatening. I had to ask REPEATEDLY to not be yelled at. I contacted XXXX XXXX and was given a number for Berkshire but it's for debt restructuring XXXX. So the very debt they are threatening me with is the same debt they are also trying to make me enter debt restructuring programs with them and pay them money. How can you restructure debt on debt you also own? How can you threaten on the debt call but be sugary sweet on the debt restructuring calls? It's all a tactic and it's PREDATORY in nature. I'm taking this complaint also to the XXXX XXXX XXXX in both states. I was told by the person on the debt restructuring line ( XXXX ) that my phone number is on a public list. This list means people will call me tk collect debt, offer me debt restructuring or settlement and so forth. I have been receiving calls for over 6 months regarding unreasonable loans being offered {$75000.00} and up, etc. calls coming ALL day and night. No shift in what's legally allowable. I contacted XXXX XXXX weeks ago regarding this actually since I'm getting XXXX calls a day, on Sunday, at night, during church, ALL OF IT. It's clear that this company or XXXX of them is responsible for my phone number being leaked and used nefariously. I am considering taking legal action as it's been hard on my mental health.

Company response to consumer: Closed with explanation