Consumer complaint received 2020-10-22
Company: Lockhart, Morris & Montgomery Inc.
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Good Afternoon, my name is XXXX XXXX XXXX XXXX, i was hired for XXXX XXXX XXXX on XX/XX/XXXX to get a XXXX XXXX XXXX license. I signed Online an agreement with mentioned company. I just read the contract where say if i XXXX XXXX miles i dont have to pay a XXXX dollares to get my XXXX, if i fail to do so, i have to pay that debt and i was agreed with. Once i get me XXXX with metioned Comapny on XX/XX/XXXX i start driving with a Mentor as Team Driver, but that Driver are Owner Operator ( he lease company truck ) his name is XXXX XXXX,, then after 21 days over XXXX XXXX i started as SOLO driver. I run different states around United States as XXXX XXXX driver. with the time i saw the company no give it to me and other co-worker whom get the license with me enough miles XXXX XXXX. XXXX become the Covid-19 on XXXX XXXX, and i complain with the company on XXXX and they forced me to quit because they can't provide enough miles to me due Covid-19, then i resigned. They took my final pay check to deduct it from the XXXX dollars loan to get the XXXX so, my remaining Balance Due was XXXX. After that they sended to me a letter with alternative payment methods and if i want to get rehire for forbance on my loan. I reapplied and they reject the application on XXXX. On XX/XX/XXXX I received a letter from XXXX, XXXX XXXX XXXX , XXXX, they are a Collection Company and as Law requires i have 30 days to dispute this mentioned collection. I call them immediately and i refused to pay such amount. They report a Collection to my credit report at the next week as i call them to dispute. This is illegal as Debt Fair Collection Practices Act. I explain to them i was unemployed and the whole country was shut down to stop the outbreak pandemic situation and Donald TruXXXX did a regulation to stop Collection activities, mortgage and credit car payments and don't care about this. That's is another violations of my Civil and Consumer Rights, this comapny is calling me all day from different phone number even with Kentucky code when they company is established on XXXX Texas, all the time this XXXX is yelling me and never let me speak and harassing me with my credit report when i request from them a settlement offer, he says : your Collection report on your credit, is your settlement letter. yesterday XXXX XXXX i sended to them a XXXX XXXX letter to stop them to calling me all the time. but the most importante is the creditor, XXXX XXXX XXXX, because this company is tricking the company driver to quit and after that thay send them to collection agencies when they don't provide the miles XXXX XXXX as they promised to us. Who don't respect the contract signed? The whole group whom get the XXXX with me all of them quit because the company don't give us enough miles XXXX XXXX, this is an illegal practice from this company XXXX XXXX XXXX, to get illegal money from collecting money from individuals when they violence their own contract, but the most important part is, they keep very busy the Owner Operators ( they lease company trucks ) and those driver run the miles is supposes XXXX XXXX, because the Owner Operator pays the lease, Fuel, Maintenance and we are the number from collections activities. This is Illegal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation