Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Merchants Adjustment Service, Inc.
State: IL

Complaint narrative:
This is because the company XXXX XXXX XXXX sent my bills too soon to collection, and even one of them was sent directly to collection to the point that I didn't even know that bill existed as I never received it. So, when the collection company send me another similar communication, I thought it was about the first bill and that they were charging me about 600 % more of the original amount of {$56.00}. Therefore, I contacted you CFPB and filed a complaint ( XXXX ) on XX/XX/year>2025 and the collection company answered explaining that there were two bills one for {$56.00} and another one for {$390.00} and that they were going to send me copy of the two bills, what they did. I understood their answer and posted my last feedback comments on the complaint, the one it's closed now. I of course decided to contact the collection company MERCHANTS ADJUSMENT SERVICE, INC to pay the bill of {$56.00} in full and see if I could arrange a payment plan for the {$390.00} bill. Unfortunately, when I contacted the woman from Merchants Adjustment Service , Inc, who had responded to the complaint; sent me the bills in a communication signed by her; called me in different opportunities leaving me voice messages to call her back ; and, sent me different emails with a message to contact her by phone without mentioning the case or the bills, only the message : " this is an attempt to collect a debt. Any information obtained will be used for that purpose '' ; she TOTALLY DENIED that she had ever contacted me BY PHONE OR EMAILS AS SHE HAD REALLY DONE. She was also very rude and didn't offer me any help with the payment of the bills, despite I told her I was planning to arrange a payment plan for four ( 4 ) months for the second bill of {$390.00} and pay the one for {$56.00} in full and immediately. But she just said : " WHEN YOU BE READY, CALL ME BACK '' So, I said What? I'm calling! How come you not only deny that you have contacted me but also you are not providing me with any help with the payment plan I'm requesting you? THAT'S EXTREMELY RUDE AND VERY BAD CUSTOMER SERVICE. I CAN'T BELIEVE THIS, YOU MUST RESPECT YOUR CUSTOMERS. Then, SHE HUNGED UP THE PHONE ON ME, WOW!!!!. Later I realized that woman was RETALIATING ME FOR THE COMPLAINT I FILED ON CFPB ( mentioned above ) What else? After that, I sent her an email on XXXX XX/XX/year> at XXXX answering one of hers, telling her how bad I felt about her behavior, requesting her to connect me with a different person in the company who could help me with my payment plan request ( as clearly, she didn't want to do it ). In addition, I requested the payment plan again ( I attach copy of that email ). As you notice, today is XXXX XX/XX/year>2025 and neither she nor anybody else from that company has answered me my email or contacted me in any form to help me out with my payment plan. When I call the company, any person who answer always re-directs my calls to her, XXXX XXXX, because she is the manager there. I guess she told them to do so ; other than that, I can't believe that nobody else in that company can help me out to do my payment plan. SO, THEY ARE PRACTICALLY BLOCKING ME.

Company response to consumer: Closed with explanation