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To avoid mr. gray and any other bottom feeding debt collectors send them a cease communication letter and by law they can no longer contact you.
This number is a collection company representing TCF Bank. Seems to me that if they are trying to collect they would be more fourth right in their messages. These people are nothing but bottom feeders anyway. The tactics are lower than low. The name of the company is Client Financial Services. Their website is www.cfsmi.com and their toll free number is 888 899 1064. Most of the people you talk to are generic names.
very unnecessary condescending and rude while i was trying to make arrangements.

I agree this person is awful to everyone on the phone even more so if he thinks you don't know the law. Something should be done about people like this....