Consumer complaint received 2026-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Fairway Collections, LLC
State: OR

Complaint narrative:
Complaint Regarding XXXX XXXX XXXX Collection Practices To Whom It May Concern, I am submitting this complaint regarding what I believe to be inappropriate collection practices by XXXX XXXX I do not dispute that I owe this debt, nor have I attempted to avoid my financial responsibility. To the contrary, I have worked diligently to establish and maintain a payment arrangement of {$30.00} per month, paid on the XXXX of each month, based on my current financial circumstances as a single-income individual rebuilding my life after significant hardship. My payment history will accurately demonstrate that when I have been financially able to do so, I have voluntarily paid more than the minimum amount. I have consistently made good-faith efforts to communicate with XXXX XXXX and to satisfy this debt to the best of my ability. My goal has always been to pay what I can while remaining financially stable. Despite those efforts, I have repeatedly experienced what I believe to be unnecessary pressure to increase my payments, answer personal questions unrelated to my ability to pay, and change my established payment arrangement. I have also attempted to report these concerns to XXXX XXXX, including concerns about what I perceived as harassing, intimidating, and fear-inducing collection practices. What has been especially troubling is that when I have tried to explain the impact these interactions have had on me and have asked that the conduct stop, I have instead been told that I was being abusive toward XXXX XXXX XXXX staff. I respectfully disagree with that characterization. My communications have been attempts to advocate for myself, explain my financial limitations, and request that my existing payment arrangement be respected. I have repeatedly asked for understanding, professionalism, and the ability to continue paying what I can reasonably afford. As someone living on a single income while continuing to recover from significant personal trauma, these interactions have caused unnecessary emotional distress. I have not asked to avoid this debt ; I have only asked to continue paying it under an arrangement that reflects my current financial reality. I have requested that future communications occur in writing whenever possible so there is a clear and accurate record of all interactions. I also request that any recordings of my telephone conversations be reviewed in their entirety, as I believe they will accurately reflect my repeated efforts to communicate respectfully, maintain my payment plan, and resolve this matter in good faith. I respectfully ask your office to review whether XXXX XXXX ' conduct in my case complies with applicable consumer protection and debt collection laws. I remain committed to paying this debt and will continue making my agreed monthly payments in good faith. I have retained documentation of my communications with XXXX XXXX, including emails and records of telephone conversations, and I am prepared to provide any supporting documentation your office may request. Thank you for your time and consideration. I respectfully request that this matter be reviewed. Sincerely, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation