Consumer complaint received 2017-08-10
Company: Accord Business Funding, LLC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I took out a personal loan with XXXX XXXX. I fell behind due to losing my source of income. I attempted on multiple occasions to work out a repayment plan for the {$15000.00}. This was originally attempted with XXXX XXXX through XXXX XXXX. I was going to try {$500.00}, but that was unmanageable on the limited income I may currently obtain. I did make a payment of {$100.00} and was going back and forth with XXXX regarding the letter they kept attempting to have me sign. 

There were a number of issues : - The letter threatened to take legal issue against me in the state of TX, where I neither reside or signed any business with XXXX XXXX or XXXX XXXX 
- The dates listed on the varying letters were day of or prior dates to when I received the attachment of the letter to sign. 

After a while, XXXX must have given up as supposedly the decision to accept any payment plan was through XXXX XXXX ( XXXX 's lawyer? ). 

The communications between XXXX and I went on between XXXX XXXX and XXXX XXXX. Then they ceased. However, I did not mind working with XXXX, but apparently her hands were tied. I tried to negotiate with her to do {$250.00} a month until I was more financially stable. She said XXXX refused, and at this point is when the communications stopped. 

Communications then resumed through XXXX XXXX with XXXX. She has intentionally left an incorrect callback number. I 've noticed this as a normal tactic with XXXX XXXX since their first attempt to reach me ( someone assigned to my file long before XXXX XXXX ). On the XXXX voicemails, as already addressed with XXXX, the phone number she leaves on the voicemail is XXXX, when I had to do a XXXX  search and found a similar number XXXX. Every time she called, she would leave this transposed number. These communications started around XXXX XXXX. 

They have recently ceased due to the threatening and harassing comments made by XXXX XXXX. I again tried working out {$250.00} a month. She said no, I am required to provide $ 750-1,000 a month. I informed her that at {$15.00} an hour average, this is well above any disposable income. She got very aggressive with me, stated it would hurt my credit and that I will be sued. I tried to reason with her, at which point, she very rudely stated, " You brought this on yourself, '' among other comments. 

They have also called me back to back with 60 seconds when they do call me. My balance with them was {$15000.00}. Today, XXXX XXXX, XXXX XXXX called me again, stating that my new balance with them is {$20000.00} judgement and that I " simply would not cooperate. '' This is completely false as I 've stated multiple times that I wanted to work out $ 100-250 a month as the max I could potentially do. At the end of today 's voicemail, " Please note that our attorney has issued a judgement against you and intends to enforce this judgement to the fullest extent of the law. Now we have some payment options available if you wish to resolve this matter before our attorney comes after your assets. '' I am trying to avoid bankruptcy, but at this point, they are threatening to come after me and THEY are unwilling to work within REASONABLE means to resolve this matter. Between XXXX XXXX 's attitude, harassment, and snide comments, I 'm not sure what else to do other than consult with an attorney to file for bankruptcy, at which point, they would receive little to nothing ( as I 've nothing left to give ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation