Debt Collectors are Weird

calling debt collectors

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It’s a week later and there is still no resolution as to who I am supposed to pay and how much I have left to pay on my Best Buy account, which is now in collections. After I specifically clarified which number and email address to contact me, my work and my parents numbers were being contacted by some guy named Earl G. (?). Never left a call back number or even a voice mail. Only saying that he is looking for me. I call him back this morning and their office isn’t open at 8:30AM so I wait until 11 to be safe and call the number that I saw on my work phone.

After Earl gives me his schpeil again and I tell him that his company has all my information already because I emailed it to them last week. I remind him that I haven’t heard anything from anyone at my direct line but instead keep getting calls to my parents home and my work number, which they shouldn’t do if they actually want to talk to me. He “deleted” the old numbers they have on file. I told him I don’t really trust that, because that’s what I was told last Friday by a Dan G. and my parents are still being annoyed by Earl. He then tries to negotiate, “offering”  that if I pay in one lump sum he will knock down my debt amount to $1885, which he reminds me is 60% of my original balance. No dice. Why? It’s 60% of my original balance because I have been making consecutive monthly payments for the past six months, which is why the balance should be wayy lower than $3100. A deal would be settling a lump sum of $1200, which is 60% of my current balance, which according to my records is $2100. Telling me that 60% of my balance is $1800 is not helpful and only proves that Earl can do basic arithmetic. He reminds me that my account has been accruing interest for 66 days now. I told him the interest rate has never been disclosed to me. Can he tell me what it is?  He doesn’t say. He now is confused and needs to talk to his supervisor.

So after being but on hold for a good 12 minutes, he gave me his manager’s email address so I could once again email them my paper trail of what I believe I owe. That email was sent along with a rant of how poorly their internal communication has been and that I cannot pay on an account that I don’t have correct information on. Earl said he would call me back in the afternoon after I send the email. Email is sent with all attachments and copy of the email I sent last Friday. What is this? Groundhog’s Day?

two hours later

Earl calls back. This time to the correct number. He says he received my email and it will be reviewed by their client. He won’t know anything further until Monday. He asks what time I should call on Monday. I say 9:30 AM and he said he doesn’t get into work until 11 AM. Then don’t ask what time is good for me if you can’t accommodate for that time. He will call me back on Monday with any updates and is sorry about the lack of communication. For a company whose job it is to get money from people, Earl and his coworkers are doing a pretty lousy job. So now I am back to waiting another weekend to figure out what is going on. Have you ever had a similar experience? I hope not. I am now going to make a grocery list and find coupons online of things I need to purchase.TGIF.  to be continued. . . 

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Sofia

Blogger

Sofia is in her twenties living in the Columbus area. She enjoys travel, her pets, interacting on social media and smoothies. Being financially independent is a goal she strives for and this blog is a way to document that progress. You can find her on twitter at @slofia.
Starting Debt: -$25,684
Current Debt: -$10,266

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Posted on Thoughts By Sofia Sofia in Debt, Money, Money Update 6 Comments

About the author

Sofia

Sofia is in her twenties living in the Columbus area. She enjoys travel, her pets, interacting on social media and smoothies. Being financially independent is a goal she strives for and this blog is a way to document that progress. You can find her on twitter at @slofia. Starting Debt: -$25,684 Current Debt: -$10,266

6 Responses to Debt Collectors are Weird

  1. saverspender

    They’re just out to get more money out of you. It’s also miscommunication but you yourself should have a good idea of what you SHOULD owe at the end, just in case.

     
    • Sofia

      The documents and numbers they keep saying are $3100 but that’s the original amount. I know that I am well below the $2100 mark according to my records of my payment history. It’s just getting on the same page. Hopefully soon.

       
  2. Travis @debtchronicles

    What a nightmare. Seems to me they’re trying to frustrate you to the point of just paying to get them to go away. Don’t give in, Sofia….kick ‘em where it hurts!!!

     
    • Sofia

      I am expecting a follow up call today, so we will see what happens. Standing my ground and will aim low. :)

       
  3. Leonard @ The Wallet Doctor

    I had a friend who had a bill they already paid be sent to collections. It took a full two months for them to convince the collector that it was a bogus claim even though they had full documentation that it was paid. Collectors are a real challenge. Good luck!

     
  4. Alley @ Alley's Recipe Book

    Yeah, Best Buy and their credit card company got me too. And I was a Finance major in college! I had payments scheduled that would pay it off 2 months quicker than the no-interest time frame, they changed something without telling me and we ended up battling over about $300 in fees. Needless to say, I don’t do business with them any more.

     

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