Consumer complaint received 2018-08-21
Company: Lendmark Financial Services
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
To whom this may concern, At the Consumer Financial department Good Afternoon, I have been dealing with XXXX XXXX XXXX XXXX for a more then 4 years now. I had two accounts and loans that I have paid off with them. I open another account which is my latest account and I have the worst experience and unprofessional staff that I have dealt with. Located at XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX. The branch Manger XXXX and his staff have been very rude, disrespectful, unprofessional, threatening and belittling towards me on my most recent loan. This branch and company have been harassing me at my work place and personal cell phone. I have been called multiple times on my work phone. With threats about garnishing my paycheck and threading me I will be sent to court by the associate XXXX. My Job asked me not to receive those types of phone calls and I explained to XXXX XXXX XXXX XXXX and branch manger XXXX, XXXX and XXXX to please stop. I fell behind payments and explained to them I will be making the payment to catch the account back up to good order. They explained that I would have to come in and make the payment. They said the document I was signing was just stating that I will make the payment of amount that was asked to catch the account up and current. They lied and told me to sign something that I did not agree with. I got with a lawyer and he explained they placed me in trap that I could not get out off and it wasnt right. Once speaking to XXXX I asked why didnt you explain to me what this agreement was and lied about. He explained that was not his problem and he did not want to speak to me. I continued to make the payments for the amount of {$120.00} a month from that point on. Lendmark Financial called me on XX/XX/2018 to make a payment I missed and I explained that I totally forgot and told her to go ahead and use my debit account I had on file. She explained she will put me on a brief hold and never came back. Somebody else answered and she was very rude and loud stating she needed my Last name. She didnt tell me her name or what was going on. I asked why didnt she have my information and last name before I could finish she just put the phone back on hold not saying give me one moment to put you on hold. She put me back on hold and never came back I waited on the phone for about 5-7 mins and hung up to call the branch back. I called back to the branch and asked to speak to XXXX. He explained that he was getting tired of dealing with me and the feedback of him and his staff. I explained as a customer or client I have the right to express my feedback of him and his staff. Which he did like and expressed to him that I will be in the branch to make payment by quarters and pennies. He explained that was fine do what I would like I also explained I would be there in the next 15 mins and he said fine. I come to the XXXX branch and XXXX is at the front and explained that she will check with XXXX if It was okay to accept the payment which is a LEGAL TENDER. He made me wait for 20 minutes before he would come out and talk to me to tell me he wouldnt accept the payment. I explained that I do not have a bank and this is what I have to pay my account and explained to him you told me it was okay on the phone now it is not. The employees said we not about to count that all loud and rude to me. I explained to him that the law requires you take any XXXX XXXX especially when I owe a payment. He told me and mom and cousin that we could all get out his branch and did not want to deal with us and still refused payment which is all on video. They all continued to look at us and would not accept after multiple times trying to pay for my account. Since I have signed this agreement with Lendmark that I would pay I have had nothing but issues to make my payment trying to make it impossible for me to make a payment to fall delinquent. With that said Lendmark did not keep their agreement with me. He also noted he did not care because he would garnish my paycheck and he would move my account to another Lendmark without my permission I explained to him I did not want that. He explained he did not care and I had no option to this. The branch has blocked my phone calls or ignored me I had to call from a friend number just to get in touch with them on XX/XX/2018. I called to get the number to their lawyers office that had the agreement with me. I have all the videos and prof that they refused the payment and the customer service has 0 Value at this branch. I also called the corporate office on XX/XX/2018 and spoke with XXXX, XXXX @ XXXX and explained what was happening at the branch she called and spoke with XXXX . He explained he would refuse the payment as well to XXXX. She got back on the line and explained the same thing and thought the issue was funny and laughing at me. I would like call review based on her as well because that is not professional in any way. She didnt take my concerns seriously and placed me on 7 min hold just for an confirmation claim number. You could hear her laughing and telling other call center associates about the problem and chuckling over the phone. I would like resolution to this issue because this company is Rude and I will not give up even if I Have to take the video and documents to the news. 


FYI - My local news company XXXX XXXX is interested in this story. But I will wait until Lendmark gives me an answer. They are aware of the Class action law suit that is currently happening and would be an add-on on how your branch mangers act on video to customers and clients XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX

Company response to consumer: Closed with explanation