Consumer complaint received 2020-09-23
Company: Thaxton Investment Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I would like Covington Credit to be aware of the following that in the month of XX/XX/XXXX I contacted Covington Credit and all my creditors to ask them to cease and desist calling my phone ... I can establish this was done due to contact I had with one XXXX XXXX a paralegal at XXXX XXXX XXXX XXXX firm that does chapter XXXX bankruptcies ... I informed Covington Credit and all of my creditors of my need to file for my chapter XXXX bankruptcy ... Per the advice given by XXXX XXXX who told me to tell my creditors to contact XXXX XXXX XXXX XXXX firm as they were not representing me for bankruptcy ... I did this and my creditors called XXXX XXXX XXXX who told my creditors that they did not represent me ... Now XXXX XXXX XXXX 's instructions I was told not to pay XXXX XXXX XXXX until I could be the amount in full ... What XXXX XXXX did to me is beyond my comprehension for a woman to do this to another woman is rotten ... XXXX XXXX proceeded to then divulge to me at an in person appointment to discuss my bankruptcy that she also works for as a volunteer or employee at XXXX   she is one who fields phone calls from callers who need to talk ... XXXX  stands for XXXX XXXX XXXX XXXX  ... XXXX XXXX told me that she fielded some of my phone calls ... I informed XXXX  this was done and XXXX  sincerely apologized for XXXX XXXX 's misconduct ... I also tried to let XXXX XXXX XXXX know what XXXX XXXX did to me but instead of giving me a voice XXXX XXXX XXXX saw fit to send me a letter in the month of XX/XX/XXXX accusing me of not being reasonable and stating that they do not represent me any longer ... That letter is evidence and implicates XXXX XXXX XXXX of misconduct through XXXX XXXX ... I never met or spoke to XXXX XXXX on an individual basis ... The only one I had dealings with at XXXX XXXX XXXX was XXXX XXXX ... What unfolded next was a nightmare for me ... My creditors became angry with me and told me they called XXXX XXXX XXXX that XXXX XXXX XXXX told them in the month of that they do not represent me ... This happened in the months of XXXX and XXXX prior to the letter I received in the month of XXXX ... I am attaching the screen shots of all the voicemails I got from Covington Credit totaling XXXX from the month of XXXX through the month of XX/XX/XXXX ... As these complaints clearly show ... A pattern of abuse unfolded whereby these creditors aggressively refused to cease and desist calling my phone ... I received more than 100 voicemails from different creditors and this does not include the phone calls I answered ... These abusive phone calls interfered with my mental health my well being and my ability to work part time ... I lost time from work and became sick from the stress ... So sick that I developed XXXX on my XXXX XXXX XXXX on my XXXX as my XXXX XXXX XXXX XXXX from XXXX ... I need to take it very easy and I am on medicine now for XXXX XXXX XXXX XXXX   ... Prior to that I had to take XXXX for three months in total ... No consideration or empathy or care or concern was shown me by these horrible people and certainly not from XXXX XXXX who set me up to fail and set me up to look like a horses XXXX in the eyes of my creditors ... XXXX XXXX makes her very fine and very good Law firm XXXX XXXX XXXX look bad by falsely claiming they were representing me in XX/XX/XXXX ... I am attaching emails from XXXX XXXX and the letter from XXXX XXXX XXXX to back up what I tell you here ... I have since found a bankruptcy attorney and I have made my first payment ... I ask that this matter be investigated so that the ordeal I experienced never happens to another debtor ever again ... As my call log clearly shows and as my attachments also clearly show ... Egregious misconduct was done to me by horrible people ... I do not know how ones like XXXX XXXX and these creditors can live with themselves or how they sleep at night being so awful ... I am setting the record straight so that this does not ever happen to other unwary debtors like me. Include my Covington Credit loan details here also : Covington Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX Original Loan Amount was {$400.00} taken out on XX/XX/XXXX XXXX payments of {$71.00} were made on XX/XX/XXXX and XX/XX/XXXX Account Number : XXXX / XXXX - {$27.00} was disbursed on XX/XX/XXXX adding to the total balance owed which is {$560.00} as of Monday XX/XX/XXXX Call log here : 28 attachments XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove Respectfully Submitted by XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation