Ever since XXXX XXXX has joined with the collection agency they have, I have mailed requests, at their instruction to have them stop calling me. I have clearly stated what my circumstances are, asked them for a payment change date and they call beginning at XXXX XXXX and continuing sometimes until almost XXXX, INCLUDING XXXX and XXXX, multiple times a day, sometimes as many as 5 times a day. They are relentless in calling, the representatives are rude and do not complete the tasks they say they will. I have never been treated so poorly in all of my years as a consumer. The online statement varies from what they ask for on the phone. I had the account set up to automatically deduct the minimum payment amount and it took nearly 3 times the amount causing overdraft fees of nearly {$200.00} fees. I have spent no less than 80 hours of my life trying to rectify this matter only to be further frustrated to this date. 
