Consumer complaint received 2018-01-30
Company: Consumer Financial Services
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Thank you in advance for your asstiance in this matter. I apologize in advance if I ramble on as this is the first time I have done a complaint like this. My complaint is on Consumer Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I started doing business with Consumer Financial Services in XXXX. I purchased a vehicle and they where the fiance company. I eventually paid that loan in full and took a personal loan. I was having some life issues and was told I could borrow more if I put the title of my vehicle up for collateral. For each loan I took if I was going to be late on a payment I was cohearsed into refinancing the loan for cash anywhere from 50 to 1000. Each of the 25 times I did this I was told it was mandatory that I purchase life and disability unemployment insurance. So to get the loan I accepted it each time as it was a mandatory condition. 
On XX/XX/XXXX I had to place my XXXX year old son in a XXXX and it caused me great XXXX and XXXX. I was out of work from XX/XX/XXXX until XX/XX/XXXX I called consumer finacial o. XX/XX/XXXX and spoke with a XXXX XXXX and she told me she was unaware on how to do the form and would get back to me. I was the emailed a form on XX/XX/XXXX from a XXXX XXXX and it stated on the bottom of the form that all claims need to be submitted to the creditor which leads me to believe as the consumer that the creditor makes the decision of the claim. I asked XXXX if the collections attempts could be on hold until the claim is resolved. I called XXXX on XX/XX/XXXX or XX/XX/XXXX maybe earlier and was told that XXXX and XXXX where paid and my next payment would be XX/XX/XXXX. During this time frame I was not called. I was contacted around XX/XX/XXXX thru XX/XX/XXXX and told my XXXX payment was all that was due. OnXX/XX/XXXX I contacted CFS to see if I could refinance my XXXX payment at I was still recovering from the lack of money thru the disability I was told that I owe for XXXX and XXXX. I asked for a manager and spoke to a man who identified himself as the owner of the company. 

XXXX stated to me that XXXX was no longer employed at the company and that she was wrong the disability insurance that I was told that I had to purchase only covered one month even though XXXX told me it already covered XXXX and XXXX. XXXX stated that XXXX should not have told me that and he was not honoring it. XXXX also told me the insurance that I was told 25 times that was mandatory is not mandatory. If I knew it was not mandatory I would not have purchased it 25 times. XXXX stated to me that he in fact credited me the XXXX payment so it would not effect my credit as a courtesy. He stated " he credits the payment for long term customers and goes back in the next month and voids the credit ''. I don't know if this is illegal or just unethical. I think there could be a bias there. XXXX stated that he was going to call the insurance company and research this and call me back. I askeed XXXX if he could hold the collection process while we handle this dispute and he told me he would get back with me that day this was XX/XX/XXXXI believe. From then to now I have recived three calls a day and a email in regards to my account. I have emailed asking for XXXX to call me and have been unsuccessful. Today I spoke with a XXXX and she stated that The notes say that XXXX was not covered. I have aske d for XXXX to call me as I recived no correspondence to this matter. XX/XX/XXXX.

Company response to consumer: Closed with explanation