CTI Collections Services Reps Are Rude, Sarcastic, and Insulting
CHICAGO, ILLINOIS -- I would like to share my negative experience with a company called CTI Collection Services. On February 10, 2009, I was contacted over the phone by a representative of a company called CTI, which I had never heard of before. The person on the phone claimed that I owed a balance on a Sears/Citi credit card, and that the account had been charged off and turned over to them for collections. They were demanding that I pay this immediately by giving them my checking account number over the phone. This made me very nervous because it sounded like it could be a scam. I told them that I thought what they were saying could be true, since I remembered that I had an old Sears credit card that I had not used in years and probably had forgotten to update my address several years ago when I moved. But I told them that I did not feel ready to pay this until getting more information and checking it out first with Sears to verify everything.
As I tried to gather the account information from them, they became very impatient. Although they agreed that I was right to verify everything, they continued to pressure me for immediate payment. When I asked them to send me a written statement, the representative became openly rude, hostile, and belligerent. I then asked to speak with a supervisor. What I got was another rude person on the phone, named [snip]. I explained to her what I thought had happened and that I intended to pay any legitimate debt, and again requested that they send me a written statement. She flat-out refused, and angrily argued that's not how they do things and I should not need this and that because they had already talked to my husband on the phone that he should have told me all I need to know. (In fact, my husband told me he had asked them for a written statement and was refused as well).
She then claimed that they had already contacted me by mail. I told her that I had not seen a letter from them. She did not believe me! She acted as though I was claiming that I was not receiving any mail. I said, no, I am getting my mail, I just haven't seen a letter from CTI. [snip] then sneered, "Oh, yeah, your mailman is delivering all your mail except ours". I find this sarcastic, insulting, and completely uncalled for.
It should have been obvious to this woman that I was an individual with a long history of excellent credit who had simply made an honest mistake by losing track of an old account years ago and had merely failed to update my address at the time. I assured her that I have perfect credit and had every intention of promptly paying any debt I owed, but that I had to verify it first in order to protect myself. Why was it necessary for her to treat me like a lying, deadbeat debtor? Perhaps she could tell I was telling the truth but enjoyed bullying me nevertheless.
I am not used to dealing with thug-like collection agencies. Perhaps this is common for this industry. But these people should learn how to behave in a professional manner. They should realize that it is often counterproductive to use such strong-arm tactics with people acting in good faith. Ironically, their rude behavior and stubborn refusal to send me a written statement made me more suspicious that they could not possibly be a legitimate company.
It is disappointing and disturbing that such a large and reputable company like Sears/Citicard has contracted to send their collections to this substandard vendor. CTI Collection Services representatives are rude, disrespectful, and completely unprofessional. No one who wishes to have good customer relations should do business with them.