I am 30-60 days behind on minimum payments with my credit cards. I got a phone call two weeks ago to ask me about payment. I made an arrangement and said I am having a seriously difficult financial time now. I eneded up paying more than promised within two business days, and made another arrangment to pay a bit more in 9 days. But, three days later I got another collection call. I told them I already made an arrangement, buzz off. The agent kept insisting and told me they dont have any arrangmeent on file and can keep calling every day if listed as late in their automated ring centre. So I made arrangment with him and said in 10 days I'll make X payment and that is it (lowering and delaying my original arrangment cause I had new problems). Plus this guy was menacing and effectively trying to intimidate me.
A week later another one calls me with same story " we have no arrangement on file". She tells me something about being allowed to call all day if she wants till I pay everything. I told her this is harassment and I am calling supervisor and making a complaint.
They were calling me alot all weeks really, just the only ones I answered were these ones.
I spoke to the supervisor who also insisted that even if I ask not to be called, and even if I am being harrassed, that Visa will not stop the calls.

This is a first party collection I guess, and so not within Fair Collection practices (or however you call it).
Jerks!!
Fact is I was R1 before all this, and they quickly decline to scum bottom feeding in two months!
If anyone knows on what basis I can complain about this on..please help!
I want to keep these cards pay them off, fix my score again..Thanks Visa-A$$holes!!
and never do business with them again.
They ask you tons of questions keep you on the phone for 30 minutes and dont seem to write it anywhere at all. So just a big waste of time.
Actually any credit card company would do this..but still the choices are limited in Canada now that my score is all messed up! I cannot do that anyway with a bad score now.
For anyone who has ever NOT had difficulty before..please do not comment till your older..you never know what may happen..and at this point everything went wrong at once and plus I get nasty calls from a company I am actually paying. More stress means I am off work longer, and less money So nasty calls all day, all week are making it worse not better!
Anyone know what laws first party collectors Do have to follow? Who do I complain to and where can I push back hardest?

Hi ! I agree as well. They are totally harassing me. I got 2 payments behind because they decided to change their terms of agreement, and it was the Christmas holidays. I called them to make arrangements and I respect that arrangement and pay even more.. but they keep on harassing me.. they call at least once a week.. The changes they made without notice.. minimum payment when from 2% of the balance to 5% of the balance.. and because I cannot pay 5% as minimum payment, my preferential rate off 11% was waived and I now pay 19% interest !.. I have been with Visa Desjardins for over 20 years and have always paid in time, in full and more than the minimum. I find this treatment just and unfair and am tempted to stop paying and have them bring me to court and make a formal complaint. This is really not right.

I read complaint title, "Unreasonable Collection Practices, Harassment."
I read, "I am 30-60 days behind on minimum payments"
I stopped reading.