Chapman Financial Services

I received an invoice from Chapman Financial referencing a balance owed to a lab. [redacted] was the representative I reached when I called to inquire about the debt. I asked if I paid the balance in full today if he could dismiss the interest. I was unaware the debt existed for three years and it had been accruing interest the entire time. My question was a simple one and [redacted] dismissed it completely. He then went on to tell me I was "lucky" I had received any statements at all as they don't have to send them. He started being unnecessarily rude. I asked to speak with someone else. He started lecturing me about how the company doesn't have to this or that. It took me asking to be transferred at least 10 times before he did. I am still shaking I'm so upset. I called to pay the bill and he made me feel like a total deadbeat. It was uncalled for. [redacted] is NOT an asset to your organization.

Review: This company is trying to collect a debt that was paid in full over 7 months ago. My husband and I have told them repeatedly that we paid this bill and even provided the check number, amount and date. What more do they need? Chapman financial has no problem calling us and sending bills to us when one phone call to the hospital would clear-up the whole matter. Do these people not communicate with the people who hired them for a period of more than 7 months? I called them to dispute the bill and asked for proof of the debt and was told that they could only provide proof from November 2012. Really? Almost a year ago when I did owe this bill but nothing more current? It is clear to me that Chapman financial is completely aware that this debt has been paid and for whatever reason, chooses to pursue the matter. Isn't it fraud to try and collect money that is not owed to you? In addition, Chapman financial is now reporting negative information to the credit bureau. I asked the Chapman financial lady on the phone what they would do with the money if I did send it to them? She said they would send it to the hospital and I said so you would have me pay the same bill twice and she said yes. Unbelievable, common sense has completely disappeared from this world!Desired Settlement: For Chapman financial to stop collection efforts and remove any information from any credit bureau that they have reported to.

The lady is rude. We have been nothing but polite. She called my husband stuipid and plain refused to take a payment. I asked her over and over to please take a payment and she refused and kept yelling at me. I told her I was having a panic attack from her yelling she wouldnt stop. She kept saying to pay her over and over but every time I asked her to take my card info she would talk over me and say I was yelling and beING rude. She eventually hung up. Never let me pay. How am I supposed to pay my bill when they refuse to take my info. You can't yell at me saying I owe you money than yell me when I ask to make a payment . I felt like she was trying to bully me into giving them tax money instead of making my normal monthly payment

Review: I have been making $25 monthly payments to them and noticed that my bill is going up instead of down and when I called to inquire about it I was told I had to make larger payments or it would continue to go up, this makes no sense. We send payments that we can afford as I am disabled and have no income, and my husband is retired.Desired Settlement: I would like my payment to count!

Review: BELOW IS THE LAST CONRRESPONDENCE I SENT THIS COMPANY: Ac# [redacted] HEREBY DECLARE MY INTENT TO SUE To whom it may concern, The last correspondence I sent you company on March 21, 2013 pertained to a demand for validation. Your company has failed to provide me validation of the accounts and at the same time persevered with reporting them on my credit report. This is a blatant violation of Fair Debt Collection Practices Act (FDCPA Sec 809). Hence, I hereby declare my intent to bring suit against your company under the regulations, due to your continued collection activity and failure to remove the accounts from my credit report.Desired Settlement: I am allowing you a period of 14 days to remove the accounts from my credit report, after which I will pursue this matter in Superior Court. I have brought this matter to the attention of the Attorney Generals Office. You may only correspond with me by mail and are to cease all collection activity pertaining to this matter.

Business

Response:

Please be advised that in response to Ms. [redacted] complaint, the validation of said accounts has been sent to Ms. [redacted]. As a courtesy, all accounts have been removed from her credit file. In addition, Chapman Financial Services of WA, Inc. has noted Ms. [redacted]’ request to correspond only by mail and cease collection activity. A copy of this letter is being provided to Ms. [redacted].

This collection agency has called my home at least 6 times in the last month. They always leave a message which states that they are a collection agency & that I'm to call them back at 877-528-5077. There is never a reason given or who they are representing. I have never received anything in writing from this company and I do not have any outstanding debts. I consider their calls a nuisance & very annoying. Is it not proper to receive a notice in writing first before calling?

I am writing to inform you that I am not impressed with one of your employees, [redacted] (unknown spelling). She has a very poor attitude and has an insulting and rude tone to her voice. I understand you are a debt collection company, however, being rude to people surely isn't the way to go about collecting debt. Obviously, people sometimes struggle with debt and its not a picnic for those it happens to and when they have to talk to someone like her, it just makes the situation worse. While speaking with her, she said "this isn't customer service". So does that mean it gives her the privilege or right of being rude and condescending to people? I am guessing she is not perfect and has probably experienced her fair share of hard times too.
She has been rude not only to me, but my wife to the point of bringing her to tears. That is unacceptable and should not be tolerated by your company! You may work well with clients who you assume debt for and provide excellent "customer service" to them, but I would encourage you to do the same to the people you are attempting to collect debt from. You may see that you have more positive results and less suits being filed as well in a further attempt to collect the debt.
I know that I have just paid my account balance in full online, and it would appear that her tactics have worked. The only reason I placed the balance on my credit card (which continues to compound the issue), was to save my wife any more negative credit reports and negative contacts with your company.
I know this will probably fall on deaf ears and nothing will be done, since that's the nature of the business, but I felt it necessary to vent my frustrations to whoever receives this message in hopes of possibly gaining some sort positive result.