Can a collector do whatever they want if we have a payment plan?

[Anonymous]

Hi everyone,

I hope I'm posting this in the right forum but I recently moved and lost track of a fairly large medical bill that was placed into collections. We came up with a small payment plan but for the first payment, they charged me on the wrong date before I got paid so my account over-drafted. They said they would refund me but that they want my full bank statement which is ridiculous and I refused to give them more than what they need to see in my account (I provided multiple screenshots of my account showing what happened). Since the payments are supposed to come out on a certain date, are they violating our payment plan by not debiting the funds on the agreed-upon date like I would be considered doing if I had missed a payment? Do I have any rights here if they refuse to refund me because I am not handing over my full, unredacted, bank statement?

Thanks!

[blindambition]

I'd send letter in writing and email. Stating that you provided sufficient proof. Tell them you expect reimbursement of overdraft charge. Also that they honor the legal terms you agreed, that means date and debit amount. If not, you'll file a complaint with SAG, CFPB, and potential legal action.

[Brian_Earl_Spilner]

Back when I worked in Loss Mitigation for HSBC, we had the police roll in one day and arrest a bunch of people. They were scheduling payments they weren't supposed to in an attempt to win a department contest. So yes, something can be done if they don't abide by the agreement, and that's just one example of what can happen on their side.

[BetterMoves]

It will depend on whether this is a legitimate collection agency, or if its one of those shady companies that just change their name when they rack up too many violations, complaints and lawsuits.

[Pit-Smoker]

What state are you in?  That, theoretically, should matter here.