What is the name of your state? Pennsylvania
I'm hoping someone can help me or at least give some kind of advice. Back in July I had an upaid phone bill go to a 3rd party collection agency. Before it even went there I had made payments toward this debt with whoever the agency was at the time handling the attempt to collect the debt. I never denied this was a bill I owed and have faithfully paid on it since March of this year. I've gotten the balance cut in half. Since it's been in this 3rd party agency it's been a nightmare. It went smoothly at first, I've made 2 payments since July based on the 'verbal' agreement the lady and I discussed on the phone. She said she made a note on the account that I would be paying $25/month toward the balance. All was fine for July and August. I call today to set up the payment for Sept. and I get a nasty lady on the phone telling me my $25/month will no longer be accepted and if I don't pay the balance in full this month they will close the account and make the note that I refused to pay. This doesn't seem right to me. I tried to call back later in the day to talk to the lady I had dealt with in the past. They tell me I can't talk to her. I was pretty much insulted and called a low life. I asked to talk to a manager, to no avail and also asked to have in writing that they are refusing my payment. The lady refused that as well and hung up on me.
Does any of this seem a little shady? Doesn't any payment have to be accepted and put toward a debt? I later called the original creditor (Sprint) and told them what had happened today and they were less than thrilled with what I told them. They said they would contact the collection agency and recall my debt and I can pay them directly instead of going thru the agency. That relieved me but didn't stop me from filing a complaint. Do I have a legit complaint here?
Thank you so much for reading this and I hope to read some responses very soon!
Kathy
I'm hoping someone can help me or at least give some kind of advice. Back in July I had an upaid phone bill go to a 3rd party collection agency. Before it even went there I had made payments toward this debt with whoever the agency was at the time handling the attempt to collect the debt. I never denied this was a bill I owed and have faithfully paid on it since March of this year. I've gotten the balance cut in half. Since it's been in this 3rd party agency it's been a nightmare. It went smoothly at first, I've made 2 payments since July based on the 'verbal' agreement the lady and I discussed on the phone. She said she made a note on the account that I would be paying $25/month toward the balance. All was fine for July and August. I call today to set up the payment for Sept. and I get a nasty lady on the phone telling me my $25/month will no longer be accepted and if I don't pay the balance in full this month they will close the account and make the note that I refused to pay. This doesn't seem right to me. I tried to call back later in the day to talk to the lady I had dealt with in the past. They tell me I can't talk to her. I was pretty much insulted and called a low life. I asked to talk to a manager, to no avail and also asked to have in writing that they are refusing my payment. The lady refused that as well and hung up on me.
Does any of this seem a little shady? Doesn't any payment have to be accepted and put toward a debt? I later called the original creditor (Sprint) and told them what had happened today and they were less than thrilled with what I told them. They said they would contact the collection agency and recall my debt and I can pay them directly instead of going thru the agency. That relieved me but didn't stop me from filing a complaint. Do I have a legit complaint here?
Thank you so much for reading this and I hope to read some responses very soon!
Kathy