Complaint Review: CPS Security - Revenue Security - HSN

I've been receiving phone calls from CPS Securities for the last couple of weeks. All the message would say, when one was left, is "This is CPS for April G.......! We are calling regarding your credit card!" I finally answered the call this afternoon to find out it was about a purchase I made through HSN, unknowingly! They were so rude, disrespectful, and didn't want anything to do with me making payment arrangements. They immediately threatened a law suit and to file criminal charges against me, told me I used a fraudulent credit card and hung up on me.

I won an auction on eBay, and my account has since been closed because I was forced to file bankruptcy earlier this year. I didn't feel as comfortable sending my grandmothers credit card information over the internet so I made arrangements to contact the seller via phone. He assured me that my CC information would be destroyed. Apparently, the purchase I won was through HSN and when the seller made the purchase, he set my card up for the flex pay. This was not stated in the auction! Moreover, since my account is closed, eBay can not access my records to show my win. Either way, I suppose I owe the money to clear my name.

I tried to contact HSN and the customer service agent said to contact the collection agency to arrange payments. I called the collection agency back again! When the agent got on the phone, I explained to him the situation, told him I contacted HSN, tried to ask questions, and he told me I had 4 days to pay the balance of $2000. I told him that was impossible and unrealistic, but I was willing to make payments to them monthly to pay it off! Even though I was the one scammed! This guy also yelled at me, told me he didn't want to hear it, it was too late since I haven't made a payment in 7 months and he would be filing a law suit against me and that the attorney already had the case.

I tried numerous times to try and make arrangements and everyone I got in touch with just hung up on me. I was told one time that if I go to court, I will be paying a lot more so I should just send them the $2000. OK, WHATEVER! I don't own anything since I filed bankruptcy, so they can not take anything from me. I make a comfortable living, but the payment I could make would not be a large amount. I have to continue living!!

So, the bottom line is, I got scammed, the seller got a thrill of screwing people, not sure what else it could be, and my credit that I just repaired is in jeapardy of being ruined by a law suit? This company does not want to work with you, and is making threats, which I think is illegal. I have tried to obtain a correct billing address, but no one will give it to me. I copied the address attached to this statement from another person, and can not get confirmation of this being correct.

Anyone have any suggestions? Free council in my area?

April
BLUFF CITY, Tennessee
U.S.A.