On Friday March 30, 2012 I was contacted by Santender - Triad Financial Group in regards to an old auto loan which was latest paid in 2005. When explaining to the young lady on the phone she 1st appeared nice and wanted to talk I communicated with her the loan was paid/charged off. She insisted it was not and left the phone; so I hung up. I later called them back to get a better understanding, she insisted they were going to send papers for wage garnishment and someone would be on my job on Monday morning. I asked this person (Santander employee) to have the papers faxed to me or emailed. She kept insisting that I needed to pay the remaining balance and someone would be to my job. I continue talking on the history of the loan and insisted for papers to be submitted to me which she could not or would not do. To sum it all up she hung on me (the collector!) WOW! I could not believe it. I than called my husband and explained the scenario and he called; asked for the same representative by name and another employee told him that representative did not work there. Also, he need to have a release from me (his wife) before they would give out any information. We than called back on conference calling and asked to speak with that particular rep - "she is not available" was the response. We informed that we wanted to discuss the account and the representative became abrasive, and insisted that we owed the money affter 6 years and did not want to settle. How can we settle something on a mere phone call without any proof and allowing us the opportunity to present the facts. My husband informed them to send papers to our home instead of my job; rep mentioned they would need to speak with my employer and ask a series of questions. WHY? For a wage garnishment on a charge off! We continued to try and explain the history of the account and to our surprise the rep hung up on us. Again, 2nd time! This was so obvious these people do not handle business situations professionally or ethically and wish to damage their own consumers character and credit history. In all of business history, I have never had a service to treat some one with this type of behavior; these people need to be trained in customer service, professional ethics and public relation skills. Our intentions was to discuss the matter like civilized adults but they took it to another level.