I've been dealing with this company since 2003 with one debt that I rang up while I was in college & I have always tried to avoid all phone contact with these vipers at all cost but recently I have become alot more financially stable so i have been overpaying my bill with them & have finally wittled my debt with them down to only $800 after sending them $200 payments every month for the past few years. So before everyone hits me with the "you shouldn't have paid them a dime", i know you're right, I shouldn't have paid them a dime but I did & it's my bill, I charged up the card when i was young & broke & in college so now i want to pay that back & they're beginning to make even that difficult.
So recently I have been getting calls from their company & they never leave a voicemail so I've never tried to call them back, I figured no message equals not very important. The other day while I was at work, I was expecting a call on my cell from an 800 number. The phone rang, caller ID showed a random 800 number & I picked up. It wasn't who i was expecting the call from, it was Racquel Calhoun from Creditor's Interchange & she proceeded to tell me that my payments have been consistantly late. I told her that I have been paying over my minimum payment of $50 & that i was at work & I didn't have my financial records in front of me for reference so that i could prove her wrong & that i would have to get back with her.
After some light arguing between the two of us, i told her that she ought to mellow out, that she sounded stressed out to the max & that she needed a drink or something. Well needless to say, that didn't go over very well with her. I regret saying anything now but she got me flustered & I said it. We both hung up on each other in a tizzy.
I gathered my financial records & there it was, my payments were all made EARLY. She stated that my due date was the 5th of every month & my records showed them receiving my electronic bank payments of $200 on 3/24/09,4/28/09, another on 5/19/09, and all my other payments that consistently followed that payment pattern from previous months & they were all well in advance of my "due date" which they don't print on their monthly statements by the way.
So I brought my financial records to work yesterday & called them on a break to clarify this issue. Racquel stated that if my payment is not received by them within a 5 day window of my due date, the 1st through the 5th, that payment falls back to the previous month & my account is then subject to late fee's. I laughed & said that's crazy talk, can you repeat that? She did, it was the same.
Then out of nowhere she says "please don't raise your voice to me sir". I reply with "wha? I didn't raise my voice at all, i'm trying to be calm about this. I just can't believe what you just told me. I'm voluntarily paying 4 times what my minimum payment is & I'm paying it early as well. There should be no problem at all. You guys should be happy with me as a customer".
She comes back with "sir I don't need this sarcasm & your payments are late & you are not a customer." & then she screams into the phone "You are not a customer, you are a DEBTOR. A DEBTOR SIR, YOU ARE A DEBTOR." I say "look this is going nowhere & I'm about to really lose my cool here. I need to speak to your supervisor NOW."
She transfers me to a Leonard Barnes who tells me he is Racquel's manager.
I tell Leonard my story & about the "due date" thing that Racquel told me. He then states that my due date is revolving. That I have 30 days from my previous payment to get another payment in or it's late. Since my March payment was received on the 24th of March & April on the 28th, that's late by 3 days. I say what happened to the 5th of every month & that i would like to see a copy of that agreement & that i never would have agreed to such a thing.
After that being said, he refused to send me anything in writing & I asked for his supervisor's name. He replied with a sarcastic "My Supervisor?" & abruptly ended the call by saying "Look, I don't have time for this anymore" & then he hung up on me. I was dumbfounded, I couldn't believe that this guy was actually speaking to me in this manner. It took everything in me to keep from throwing the phone at a wall.
So I ran across this website, usacomplaints.com, & did some reading up on ol' Creditor's Interchange. I figured that I'd fire off a cease & desist letter to stop the phone calls & then quietly finish my payments for the next few months which may or may not be subject to late fee's & then write the company off with a "glad i don't have to deal with those effer's again", unless you guys have other advice. My goal is to not to get out of paying my bill, I charged up the card & I will pay the balance off, I just wouldn't mind giving this company a nice screwing in the process if possible.
That's my story
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