Calvary Portfolio Services / Improper fair debt collections practices
I worked for Navy Federal Credit Union for several years starting in 1998 where I had several loans which were being paid faithfully. I moved to Texas in 2001. In 2003 I became a single parent with no child support. I also have a Kidney Transplant and in January of 2004 my Insurance co-pays went up by 300%, along with the price of medications. I went from living in a house to an apt. I then provided Navy Federal with proof of all this when I requested a deferment which they graciously granted. I also went on their Consumer Credit Counseling program to continue efforts to paying on my loans; I even consolidated debts with them. I did so trying to work with NFCU because I know the importance of keeping good credit. Unfortunately they only allow members on the program for 2 years, which I understand. The loans were charged off, and even then I kept on sending payments to NFCU for several months until I had exhausted all possible venues. The debts were then sent to Calvary Portfolio Services, LLC. I did everything in my power prior to that to make things work but unfortunately given the circumstances I was unable to pay. Since then I have acquired other loans out of necessity (ConnÃ¢??s for a bed, Road loans for a car, etc).
I received a call from a representative from this Collections Company who proceeded to belittle me on the phone. The call came to my cell phone at 12:23 CST from [protected]. They said the call was recorded (and I hope it was). This gentleman by the name of Jeremy Spitzer was beyond belligerent. I advised him of why the debt had gone bad and he told me that he has kids too and still manages to pay his bills which I found to be a VERY offensive remark given my attempts to work with NFCU. Furthermore told me I was irresponsible for not paying my bills, that I had no business getting other loans, why am I paying other people, and so forth. He did not wish to listen to what I had to say, instead said Ã¢??you are refusing to pay this debtÃ¢??. I suggest you listen to that conversation. I asked Mr. Spitzer to check with NFCU to see that I indeed kept in contact and did the best I could to pay on this debt. He said he did not want top hear that, only wanted to talk about the here and now. I advised Mr. Spitzer I was going to call him from my work number, which I did at [protected]. I advised him that I would like to record it from my end but he would not listen. I asked him to repeat EVERYTHING he told me over the phone, but he refused to do so, instead talked over me and just kept saying Ã¢??you are refusing to pay this debtÃ¢??, then he hung up on me. I called him back 3 times and he would not answer, it went to voicemail, and I left him a message. I cannot believe Calvary Portfolio Services, LLC would employ such awful tactics to collect a debt, furthermore, NO ONE deserves to be belittled in such a demeaning manner and I truly hope that call was recorded. My blood pressure is through the roof, I have never been treated with such disrespect. I understand what happened, and unfortunately I can only do so much as a single parent with a medical condition.
I cannot be placed under such stress since it is not good for my Kidney Transplant. I answered the phone, I was polite, and I did not hang up, unlike the tactics employed by this company. I do not wish to be contacted my mail or phone by these people ever again. The audacity to point the finger and tell me I was irresponsible was unbelievable. I cannot believe NFCU would hire such a place to assist them with collections of this debt. Please investigate this matter, and feel free to contact me by mail regarding this formal complaint. Thank you.