Complaint Review: DECA Financial Services LLC

Starting from the beginning.... I had a missed phone call from this number: 727-369-6380 and when I called, I was put on the phone with a representative who knew who I was right off the bat (strange) and went on to explain that I had some outstanding balance for over $1,000 that I owed. I had to ask a couple of times WHAT the debt was regarding, since the representative kept explaining that I have this debt, but didn't say what it was for, who it was from, etc., until about the third time I asked.

He was finally able to inform me that it was because of an emergency room visit in Dec. 2012 regarding chest pain. I have never once received a previous phone call or letter stating any such outstanding balance from DECA, so it's interesting that they called me a YEAR after the visit to collect payments.

During the phone call, I was going back and forth with the representative, explaining my current financial situation and like any other debt collector, he was very, very persistent. Unfortunately, the representative danced around my questions and failed to give me clear answers. I then asked to speak with a supervisor, who was able to clearly explain to me what would happen to my account, should I not have the funds to cover the expense. After being haggled on the phone and pretty much pressured into making a payment, I went ahead and paid $25 today, on 12/6/13.

Shortly after, I called back to speak with the supervisor who stated his named was "Ralph" and I tried to get the payment retracted. Ralph said his "client" won't allow it. So I let it go.

I gave authorization for the account to be put into "refusal to pay" from here on out, considering I do not have the money to keep paying every single month. I am on a very tight income at the moment. I stated on the phone to them that I am in not in a financial position to be making payments, especially in large amounts, for this particular bill, as my financial obligations are to get my household bills taken care of first.

Since I did make a payment TODAY, I also requested that an e-mail confirmation be sent to me so that I have it documented from them, at least. The representative did provide me with a confirmation number, and he said he emailed it to me, but I didn't receive any emails from DECA. Then during my second phone call with them today, I talked to the SAME supervisor, "Ralph", and he informed me that I would be getting the email on MONDAY, and then went on to say that I should be getting it at the latest, tomorrow.

Sorry, but what email service is so slow that it only runs on business days, or takes an entire DAY to reach me?

Very upset with the way this representative pressured me into making a payment, and very upset that they "were not able to" refund my payment.