Consumer complaint received 2023-10-24
Company: LendingUSA
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call from someone name XXXX XXXX representing himself as an attorney from Legal tax defense that was further working on my tax resolution in XXXXXXXX XXXX XXXX. I was told that it was time sensitive and he needed to file the papers with the IRS it was the close of my case for my offer and compromise and he needed more money due to my tax issue I owed a lot of money and he needed to be able to represent me. He said it would take about XXXX XXXX XXXX more. I told him I was not aware that I needed to take out another loan. He said he wanted me to trust him and if I didn't have he money they could get my approved through the company they work with. So he said someone would call me to help me with the loan application and getting approved her name is XXXX XXXX. XXXX XXXX stated the most I'd end up paying is {$500.00} XXXXXXXX XXXX. So I did get approved for the loan I was kind of hesitant because of the wording in the loan XXXX told me not to worry about that and XXXX was working on closing my case with the IRS. So I'm ignorant to the fact not knowing this is a scam thinking I'm finally about to get the tax debt I owe down to a minimal. The next month after that I called no answer I left messages asking for the case manager that XXXX XXXX told that would be giving me updates on my case months has went by I'm making payment up until XX/XX/ something clicked this is not right no one ever called back. I was receiving calls from Lending USA about my XXXX payment I told them I'm not paying because I am not receiving services promised by XXXX XXXX to resolve my tax debt they don't call back nor do they return calls. I'm reporting this to the FTC and FBI. 
i have been stressed out due to this matter and all you care about is a payment for services not being provide to me that's the only reason why I took out the loan as hope to get from under this tax debt. I was told by me owing so much and the laws changed he needed more money for my case. XXXX XXXX Emailed me a newsletter about the new IRS laws nothing else from him. after that or XXXX XXXX. I was told by XXXX XXXXrom Lending USA that if I did not hear from Legal tax Lending USA would close the account and refund me my money back. No its a month or 2 later after receiving a payment in XXXX XXXXXXXX they told me they put in an escalation for XXXX XXXX to contact me that never happened they recanted on there word to close out the account told me someone from Legal Tax said they spoke to me and all was resolved I spoke to XXXX XXXX XXXX told me XXXX XXXX XXXX I hung up in he face and that I needed to talk to her if you are my lawyer in which he is not he would have been able to give me an update on my case with the IIRS these companies are soliciting helpless people to scam knowing they have no intentions on helping them resolve there tax debt but to put us in further debt. I could have paid the IRS that money I'm paying Legal Tax Defense to allegedly work on my own tax issues. 
They have threatened my credit. I was constantly bein harassed by phone calls 7days a week even after XXXX.In which is even more stressful. I am now trying to see if the other company XXXX XXXX is in on this as well after looking on the XXXX both companies have multiple complaints against them for the same reason stories seems familiar from reading other consumer complaint as well. This company and Lenders needs to be stopped. We are being taken advantaged of with no help just being put further in debt how do we live taking out 2 loans and no resolutions from both companies. I will be checking in with XXXX XXXX as well they may be in on it I was told a month ago in 2 weeks I should have a resolution on my taxes nothing has been done yet. Go to The XXXX and you will see the complaints. If these companies know they cant resolve your tax issue they should not give the consumers false hope you are tax professionals, while talking to someone about there case you already know if you can get there debt resolved but its ; games and strings along to get you to take out more loan getting yourself in further debt making it impossible to pay off the IRS On XX/XX/ I received a letter via email stating I have not been reachable and that as well is untrue I have calls from Lending USA constantly harassing me and threatening my credit since stating they are taking pre legal action against me due to the fact they have not received a payment since XXXX XXXX.Phone records don't lie nor does my call log history. I did email them back on XX/XX/. I asked them back in XX/XX/ to close out the loan as XXXX stated she would and refund me my money.

Company response to consumer: Closed with explanation