Consumer complaint received 2022-02-02
Company: LendingPoint Holdings LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XXXX Billing error resolution. 
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( XXXX ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan. 
I initiated a consumer credit transaction with Lending Point in XXXX of 2021. I tried to settle the issue in good faith by sending a notice of demand to Lending Point to resolve the billing error and I have not heard from the company. 
Lending point calls me at least three times a day harassing me while I am at work from a debt collector from lending point who proceeded to spew profanity, abusive, threating and oppressive language at me. He proceeded to ask me who I was talking to while on the phone with him, he refused to identify his name. i directed my wife who is my attorney in fact ( An attorney-in-fact is a person who is authorized to act on behalf of another person ) Investopedia definition to explain to him that a correspondence was sent to the CEO detailing the controversy. he then proceeded to threaten my wife and refused to listen to anything being said. 
the law clearly outlines violation of the FDCPA which was explained to him and is attached below for your information. These were all the threats made during one phone call last evening at about XXXX, he ended the call saying you are going to have consequences for not paying this debt. 
15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : XXXX ) The use or threat of use of XXXX or other criminal means to harm the physical person, reputation, or property of any person. 
( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
( XXXX ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( XXXX ) [ XXXX ] of this title. 
( XXXX ) The advertisement for sale of any debt to coerce payment of the debt. 

18 U.S. Code 8 - Obligation or other security of the United States defined U.S. Code The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

There is no money only negotiable instruments and consumer credits. 
15 U.S. Code 1602 - Definitions and rules of construction ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
the credit card that was used is my social security I have attached a letter that was sent to the company 's CEO along with the certified mail receipt. I have a notarized copy at my notary and in my files.

Company response to consumer: Closed with explanation