Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Total Card, Inc.
State: NY

Complaint narrative:
I was working with XXXX XXXX to resolve a debt issue. It started out good and I did not hear from them. I received 2 calls I did not get a clear message the first time. The second live call I returned the person on the other end extremely rude and unprofessional. Kept hanging up and telling me get a hobby laughing demeaning behavior. Scolding me for correcting the pronunciation of my name. Got me so worked up although the agent that was working with me knows I have XXXX  XXXX that also affects my XXXX XXXX  I kept trying to get my rep handling my account. She eventually charged a card used previously for an amount she decided without my authorization or consent as payback. Finally hours later I got another representative that said that a request was put in for a supervisor and they will reverse the charge and report my debt on my credit report. NOTE : We have a verbal agreement if I settle the debt they do not report to the credit bureaus. I have a small balance which the lady used as a weapon to hurt my credit because of her personal attitude. Debt collection is not a weapon it is a form of remedy to a financial breakdown between the creditor and consumer. They should be accountable and held in the same responsible standard as any other firm in this country. With XXXX complaints how can they continue to operate without accountability. Consumer are HUMANS we are not to be treated as animals or objects but as people. They are responsible for maintaining agreements, providing valid information and using respectable forms of communication to initiate, execute, and close situations on behalf of a creditor PERIOD! Disrespectful, demeaning, rogue, mental abuse, cooersion, discrimination should be punishable with fines and operating abilities. Threats are threats and are illegal in any context. Dishonoring an agreement should be held accountable not only in the case of a consumer but for a Collection Agency. My agreement was violated by XXXX XXXX and my credit file should not be the Collateral Damage. They need to collect my balance agreed by the form of payment I agreed to and not help themselves to any account of their choice. The abusive agents need to be held responsible for their actions. This has to end. I do not want anyone else to suffer from what is happening to me with this company. A manager is the only one who can resolve this because the representatives seem to have forgotten their roles and it is only on a management level that they will be reprimanded, held accountable, retrained if an option or released if this is not their first formal incident. My voice is my situation but a growing epidemic with XXXX XXXX. This is my formal declaration or call to their being held ACCOUNTABLE FOR DISCRIMINATORY AND UNETHICAL practices. I have attached proof with the exception of the others the payment charged yesterday was not agreed, permission not requested when I called later in the day after being hung up and told off earlier I was threatened that the payment will be reversed we will report the entire debt to your credit report. No, I have a right to select the payment method and amount as our original agreement I would pay at least but not less than {$50.00}. The rep. would call me every month for a payment. The XXXX  XXXX who charged the card to spite me is not my original representative. She I will say was professional, informative, surprisingly concerned and treated me as a human.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation