On January 16, 2004 I spoke with a collection rep by the name of Paul Hunter concerning a EMERGE account that CLOSED PROVIDIAN had either sold or transered to EMERGE.
After a long conversation with Paul Hunter, I offered a settlement amount of $1500 dollars to eliminate this account and the large number of phone calls.
Paul Hunter then went to speak with his supervisor Dan Nelson ( Paul stated that was who he spoke with ) about the settlement offer.
When Paul Hunter returned, he stated that his supervisor said that they could accept $1860 to settle this account.
I told Paul Hunter that I would pay that amount on or before 3/31/04 and Paul Hunter agreed to the amount and the date.
I questioned Paul Hunter about any possible issues and Paul Hunter assured me that 30 days before the agreed upon due date that I would receive documents from his office.
On 1/30/04 I received a phone call from Paul Hunter. He stated that if I did not send any money to him that the agreement that we had might not go thru. I told Paul Hunter that he could not change the terms of our agreement in mid stride and that I was not happy that he was calling me, after he assured me that everything was approved by Dan Nelson.
On 2/5/04 I recieved another phone call from a woman who claimed to be from Pinnacle Financial Group. She stated that the account was in her office and wanted to know what I wanted to do about this account. I told her that I had already made a settlement offer and it was accpted by Paul Hunter and Dan Nelson. This person began to read the notes outloud and I had to correct her about the incorrectness and fraudulent entries in the notes ( ie. Communications that never occured, statement never made, ect,ect )
I told this person that as far as I was concerned the deal was made and that any issues she had needed to be directed to Paul Hunter since he and his supervisor made a solid verbal agreement as to the terms and conditions of the settlement.
At that time this woman started yelling into the phone.. do you have it in writing.. do you have it in writing..over and over and over. She hung up on me and I have not heard anything from them and Paul Hunter is now very unavailable.
It seems that Pinnacle will do and say anything to try and get money. They have gone as far as to speak with my grandmother at home about the situation.
St. Augustine, Florida