I received a call from my mother that this company, Coastal financial solutions LLC was trying to get ahold of me about a past due payday loan. I called the company back immediately to figure out what loan they were talking about and to update my information so they could get ahold of me directly. A representative named XXXX XXXX answered and immediately told me I would be facing jail time if I did not cooperate and make a payment. First I needed to be reminded of this loan - it was over 2 years ago and had slipped my mind. I asked him if I could give him my updated info to get ahold of me and he said no. He stated until I make a payment they will continue harassing distant family to get ahold of me. I advised him that he needed to work on his customer service skills as his tone was getting loud and aggressive. I told him that I would be understanding because I 've worked in customer service, he immediately interrupted me and yelled that the reason I have this debt to begin with is my poor customer service skills which obviously got me fired from a job. This is completely untrue, I was not fired nor did I have a customer service job when this loan payment lapsed. I had a death in the family about a month after i received the loan so it had slipped my mind I had to move and get a cheaper phone so my address was different as well as phone number. This representative XXXX XXXX accused me of flying under the radar purposely as to not have to pay this loan. At this point I 'm fighting back tears while I 'm at work because I do want to resolve this issue, but the REP continued to interrupt and talk over me threatening me, telling me I 'm basically stupid because I have a past due payday loan and trying to make me believe he is the only thing that can keep me from going to jail. I finally just started saying ok as he continued to belittle me so I could get this issued resolved. I asked to speak with a manger and he deined my request saying that he is the only one who works there and has been assigned to my case. I noticed online that other people have also had trouble with Coastal Financial Solutions LLC and it needs to stop, we are all human beings with feelings and difficult life situations. This rep was so rude and derogatory, I tried to stand my ground but he would not let me speak. He made me feel as if I have no options left. 
