I have been dealing with US Bank credit department representative, XXXX XXXX XXXX collections ). Business has dropped 40 % since XXXX 2014. We have been struggling for awhile now. So we are at least XXXX payments behind for the last XXXX months. I get it I owe it & I understand payments must be dealt with. But I am a human being last I checked. This woman was demeaning. I have my share of clients that owe us, but to ever think of treating anyone without respect is beyond me. I knew when I was XXXX yrs old that I would someday own a business. And I would treat everyone with a grand opening attitude. Trust me I lose sleep knowing I owe. I have ethics. This person must get a kick out of treating people like that. 

XXXX called me on the XXXX and I promised him I will send out check XXXX. On the XXXX a different rep was DEMANDING payment that same day. Saying that there was no check in envelope, I told her that 's impossible, XXXX I received an email from XXXX saying he received the envelope but that he wanted to know the check number to make sure it gets posted correctly. The only thing after that was getting accusations saying I never put check in envelope and she needed payment right now! She had a condescending attitude from there on. After I told her the check was in there. 

I do n't have that rep 's name but I 'm sure our conversations were recorder. She demanded again for payment through our bank. After just experiencing a double dip situations just a month before this XXXX XXXX XXXX XXXX XXXX, I was n't going to do any online transaction. I told her I will overnight check. Her response was that she has to have it today or else. I said I will check bank account XXXX bank, no check cashed or pending for US bank. I told her she had XXXX choices. Pick up equipment or wait for check. She accepted overnight. Just to prove to her my ethics I asked her to contact me next Thursday for another payment. 

Checked XXXX on Friday, low & behold XXXX checks were deposited, so after accusing me of literally lying, XXXX checks went in. I had enough funds XXXX. They got paid on XXXX them & I have incurred serious bank fee 's. Like I said I know I owe, but because of this I have to now pay cash to a vendor for NSF on XXXX consecutive checks. My bank paid XXXX checks in XXXX to another financial company & now to US Bank. Yet I do n't even have money to pay coned right now. They are also on my back. 

Just want to know my rights. What they done was crippled my dignity and dreams. 
