Diversified Collection Services michael taylor, collection representative they repeatedly harassed me with calls at 6am and at night to collect on a s

19th of Oct, 2011 by User188731

I was harassed day and night (5am, 9pm) by DCS (diversified collection services) for a student loan that I was late paying.
I finally agreed to allow them to authorize an 'electronic debit' of my checking account in the amount of $300 on 9/28/2011. I could've just ignored them and paid my lender directly, but they insisted I pay them and that it was the fastest way to get the account up to date.
Fast forward 3 weeks later (10/20/11) and I notice that my bank account is overdrawn by $300 by DCS.
I called them about this, and spoke to the rep I originally talked to, Michael Taylor (866-486-0885 extension 6328). He cited a "lack of manpower" as to why they waited over 3 weeks to process my payment. They refused to refund the payment, and now i'm overdrawn, unable to pay my other bills, and have overdraft fees courtesy of their "lack of manpower". I authorized them to debit my account on a very specific date, when I had the money in my account. The failed to honor this contract, instead debiting my account 3 weeks later!!!! Who does That? Especially after harassing you by phone for over a month and demanding payment ASAP. I knew I should've just ignored them and paid my lender directly.

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