Heritage Acceptance Corporation The representatives name is Torriano Rude, unprofessional, unnecessarily childish and combative Internet

On 10/24/2011, a about 5:05pm, I called Toriano to make an 80 dollar payment, which I was supposed to do on Friday butI was unable to call then. Toriano informed me that since my account is 31 days past due, he was unable to accept that amount because it would not change my due date, and that I would have to pay 180. I said I don't have that much in my account right now, let me make a phone call and I will call you back in a few minutes. I ended up calling back around 5:40.

My husband was also on the phone because he had a few questions. When Toriano came on the line he immediately started yelling at me saying that my account is unacceptable and how I need a plan and what am I going to do to get this under control. Which, I do not believe is any of his business. At this point my husband steps in at this point to ask his question and to tell Toriano that he was going to get a loan to pay off the past due. Toriano says that we're not going to get a loan and that he's just going to send someone over to pick up the truck.

Toriano then spends the next 20-25 minutes yelling at my husband, and trying to give my spelling lessons because he says my husband, who is 43 mispronounced a word. Then Toriano decides to get bold and called my husband a cop-out and saying he was soft, and yes, my husband did tell him that he would kick his butt if he was here because he was being disrespectful. Torianos' response was "I get off at 6:00, our address is 121 South Main Street. Come on down, your not going to do anything because your a coward."

I don't understand why this man is acting as if I owe him anything, and I feel that it is RATHER unfortunate that this company would have someone so unnecessarily unprofessional working there for 6 years. I can only imagine the way he has been treating people, and obviously getting away with it. Also, I had to get work done to my truck, literally after I bought it and dealer refused to fix them even though he signed a document saying he would, Toriano said that if the receipts totaled more than my monthly payments then that amount would be deducted from my payments. Later it changed to "Oh I said the payment would be deferred to the end to the payments." THEN it changed to "Oh I said one of the biweekly payments". I told him that he should make up his mind and be specific when he's talking to people. He tells me I'M being disrespectful and that I can't be telling him how to do his job. 

Speaking of jobs, Toriano keeps calls my work harrasing me about payments. I have told him three times already not to do this because I am not a permanent employee there. I am a temp thru an agency, and that I cannot discuss with him any personal matters with him on this phone, and I reminded him that he has no less than three other numbers and my email address where I can be reached. He words to me were: If you do not want me to call you, then you have to call me. Then he proceeds to yell at me asking why didn't you call me yesterday, or the day before that. It is not his business why I was unable to call, but I did let him know that my mother is in the hospital, which she is.

Also, I asked him if he even bothered to call my cell phone, he said yes, I just called it, which was a lie because I have my phone with me and he did not. Also, I asked him what's supposed to happen if I lose my job because he keeps calling here harassing me. He replied again that if I dont want him to call me then I have to call, and yell at me about a payment. My boss could here him from her office. I do realize that I am a bit behind in my payments, and although, again, the reason why is absolutely none of his business, I did tell him. I feel like he is deliberately calling my job after I have asked him not to so that I will get fired and have no way to make payments, and so that he can repo my truck. Also, I never gave him the number to my work, so I need to know how he got the number. I only told him the name of the agency I am employed thru, and they are not allowed to give that info out. 

Every single time I talk to that man it has to be a confrontation. He is not the only debt collector I have dealt with, and none of them have ever asked me what specifically I am going to do to resolve my debt, then when I tell them say that's unacceptable and that I need to tell them something or else. I would ask to speak to his supervisor, but she is worse than he is.

Also, my payments per month are only supposed to be 358.18, so why is he trying to make pay over 400 per month when I've told him cant afford that.  I should not have to go through this crap EVERY SINGLE TIME I call there.

I have been asking, for several months now for something showing the payments I have made, the amounts and dates of each and my balance, but have yet to receive anything. You would think that if he was doing his job as well as he says, that he could send me that. But as soon I say anything about why am I being charged an extra 6.95, which at first I was told was a late fee, he says "oh no, I said that was a fee for processing the payment over the phone.  But there should not have been any of those when it was on ACH debit.