Are collection agents just stupid?

scratch that. obviously threatening people works, or they wouldn’t do it.

I had a call from the CC company (the one the “minimum” due is $490). Went through the whole story about why I can “only” pay them $100 a month.

Person was like, we have programs which would lower your interest rate to 7 or 9%. I said, is that only if I give you $490? She’s like, well yes. My response was, well that’s not going to happen.

She goes, OK, So I’ll NOTE YOUR ACCOUNT THAT YOU’RE REFUSING TO MAKE A PAYMENT.

I interrupted her and said, that is not true. She goes, yes it is, that’s what you said. I said, do you want to put me on hold and play this recording back for your supervisor? She’s like, well you want us to waive late fees but you’re not willing to get your account current. I said, if you had been willing to work with me 6 months ago when my husband was just going back to work by waiving late fees like other creditors did, it would BE current by now.

She hung up.

I thought about it for a few minutes then called them back and told a new rep that I wanted to file a complaint.

Doubt it will do anything, but at least i’m on record.