Employee named Patti Phillips contacted me by cell phone and left a voicemail identifying herself as only Ms. Phillips, and did not state why she was calling and where she was calling from. She simply said she had a document in her office that regarded me and I needed to call her back. I did so, I then realized it was a collection agency for a debt that my mother had for missing numerous payments to an alarm company. I explained that I needed to have my mother call them back. She did and in good faith set up a payment plan with an agreement from Patti that keeping this payment schedule will prevent her from reporting on my credit report (I signed the alarm contract that my mother was responsible for paying). <br />
My mother and Ms Phillips agreed to 4 payments. The first contact by Ms Phillips was on Oct 21st. The first payment was made on Oct 30th. The 2nd Payment was made on Nov 30th and the 3rd was supposed to be on Dec 30th and fourth on Jan 30th 2010. On December 28th I checked my email to discover a flag on my credit by my credit monitoring company. I logged in to find that Ms Phillips; Anderson Crenshaw and Associates had reported on my credit anyway regardless of the agreement and this was done on Dec 22nd. 8 days before the 3rd payment was due. <br />
When my mother and I called into the office to figure out what was going on we were greeted by Ms Phillips' loud, unprofessional, aggressive and confrontational behavior. We were refused any information on the agreement that was made by Ms Phillips and my mother as well as a demand to pay in full the remaing balance that day Dec 28th and denial that there was a payment agreement. According to Ms Phillips, she claims that she agreed to 3 payments and after the 3rd, if the balance was not paid in full, she'd report on my credit. This is untrue and misleading. The arrangement was for 4 payments to keep the item off of my credit report as long as it was being paid in good faith based on that arrangement. Even if what Ms Phillips changed her story to be was true, she still reported on my credit prematurely by reporting it a whole week before the payment was actually due. Ms Phillips then transferred our call to a so called supervisor named Bert Phillips who was just as dominating, argumentative, rude, loud and unprofessional and also offered no information that we asked for regarding the agreement made with Ms Phillips. He too demanded payment in full that day Dec 28th. I am now having a lawyer draw up some paperwork to send to the company. I've worked hard to clean up my credit and keep it clean and this way of doing business and the unfair and deceptive practices put forth by Anderson Crenshaw and Associates and its employees is unacceptable for any consumer who wants to settle their debt in good faith and made arrangements to do so.