Debt collection -- Communication tactics -- Complaint #6012757
Complaint Overview
Complaint ID: 6012757
Company: Mst Financial Services, L.L.C.
Product: Debt collection
Sub-Product: Medical debt
Issue: Communication tactics
Sub-Issue: Used obscene, profane, or other abusive language
State: Idaho
ZIP Code: 838XX
Date Received: 2022-09-23T12:00:00-05:00
Date Sent to Company: 2022-09-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/22, both my husband and I were contacted by Chapman Financial regarding two medical debts owed to them by me, one of a personal nature for myself and another for our child. I attempted to set up reasonable payment arrangements for this debt to pay them off in appx 11 monthly auto payments, and was asked for my husbands employment verification which I declined to provide, as we keep our bills separate as well as our income. The representative, XXXX, spoke with her supervisor requesting the payment arrangement be approved, and was then told that it would not be allowed and payment was required in full if I would not provide his confidential information. I further pressed how I could submit payments manually, and was told they will only accept payment in full ( appx {$1700.00} ) unless I give his information to them. This is abusive, intrusive, and Im fairly sure it is also illegal, and I want their debt collection practices reported and rectified. My husband is not liable for this debt, and his income is not and should not be considered for repayment purposes, or the threat thereof. As an additional note, I have worked with this collection agency before and was never asked for this information, and paid my previous debts accordingly via auto payments.
Frequently Asked Questions
What is Complaint #6012757 about?
Complaint #6012757 was filed against Mst Financial Services, L.L.C. regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2022-09-23T12:00:00-05:00.
How did Mst Financial Services, L.L.C. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Mst Financial Services, L.L.C.?
Yes, visit the Mst Financial Services, L.L.C. company profile at readthecomplaint.com/company/mst-financial-services-l-l-c to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.