• Report: #1000690

Complaint Review: Performant Recovery

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  • Submitted: Mon, January 21, 2013
  • Updated: Wed, January 23, 2013

  • Reported By: barnbuddy — Nationwide Internet United States of America
Performant Recovery
333 North Cayons Parkway Livermore, California United States of America

Performant Recovery Diversified Collections, DCS Difficult to work with. Refused payment options. Gave conflicting info on amounts owed. Livermore, California

*Author of original report: Update Performant Recovery

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Due to a student loan being in default one month after an unemployment deferment expired. My family and friends started getting calls from an agent from this company, although I was told that she used a different company name. I have no idea how the agent got their numbers.

I had not yet received a letter, once I did, by the agent's name I put two and two together. I logged on to my student loan account and it said it was "paid" which I knew it wasn't, but I didn't get notification that they were going to send it to collections. I thought they were supposed to notify one in writing first and foremost.

A couple of weeks later I received a letter, the amount was $13,772.27 owed. I still don't have verification of how that amount was obtained. However I called--within the 30 days as they requested. and now they state the amount is $15,388.00 because of various fees, which I still don't understand so I asked for that in writing, and although I tried, I never got a commitment if that could be sent to me or not. If I truly owe this new amount I want a detailed explanation. We are not talking a few dollars here. It changed by $2,000 in two weeks, and the initial letter does not say an estimated amount. It says that amount can change, and for explanation call or write. I don't think this is fair. Collectors need to have that information, not increase the amount in 2 weeks time. How can the federal government allow this to happen?

Anyway, I called to tell the agent I was in a debt recovery program and could make $40.00 every two weeks. I told her my husband was not responsible for my bills, as we keep them separate. She completed something to see if I qualify for hardship, she took down my husband's income, but refused to add his bills. The amount that they want me to pay, as they said to get this out of garnishment and tax refund seizure is way more than I can afford to pay, and I haven't a down payment. I asked if his refund could be withheld and she said she is not a tax person, but if we file jointly his would be taken.  She is only giving me two days to agree to a large payment plan or that means I refuse to contact her and they will go ahead with the garnishment the way I understand. I am not refusing anything, nor accepting anything, I didn't say either.

I offered my $40.00 every two weeks. I wanted to mail money orders. She said they can't accept those. They wanted to use my husband's checking account, since I don't have one.  I said I can't pay with his checking account. The method I want to pay and payments I can afford is not acceptable to them. I understand that the reduced payments wouldn't get me very far, but I would make more when I can, that's just my circumstances now. Also I am not sure why she wouldn't commit to sending me the documentation I asked for. If I am paying a debt, I think I have a right to that.

This report was posted on Ripoff Report on 01/21/2013 02:35 PM and is a permanent record located here: http://www.ripoffreport.com/r/Performant-Recovery/Livermore-California-94551/Performant-Recovery-Diversified-Collections-DCS-Difficult-to-work-with-Refused-payment-o-1000690. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
1Author 0Consumer 0Employee/Owner
Updates & Rebuttals

#1 Author of original report

Update Performant Recovery

AUTHOR: barnbuddy - (USA)

My letter is dated 1/2/2012. It states I have 30 days to dispute the validity of the debt. The amount they are telling me I owe is more than the amount in the letter. I want validation in writing. Also a proper income review was not given for hardship cases. They would not include my other debt such as credit cards, or monthly health, or food. Apparently food is not a reasonable expense. The supervisor intercepted the call and said I have to pay today or they mark down I am refusing to pay. I stated over and over I am not refusing to pay, but I want some details ironed out. He continued to hang up on me even though I told him initially I was incurring charges on my cell phone. I said I have 30 days to receive validation of the debt, and asked if they follow federal guidelines? He said "Don't tell me how to do my job" The man whose name I didn't get started yelling and kept hanging up on me. How can I pay anything to someone that hangs up on me? I was told 2 days ago I can't mail them a payment because "it gets lost in the mail". I offered a payment. They refused.
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