Consumer complaint received 2021-05-01
Company: FRANKLIN FIRST FINANCIAL, LTD
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This loan opened XXXX XXXX. They say I owe now Through XX/XX/XXXX. This note began as a 36 month note. I have been spoken to outside the law allowance, I have been XXXX by the CEO MANAGER with her statements directly to me I work the business I should know how it works, She has no rights to state that to me, and she was not willing to work or even try to explain or except she was wrong which she was this a complaint with many different complaints regarding this company and how the owner with some of her employees have talked to and treated me regarding my loan with the company. 1. This company continuingly called me at my place of employment in XXXX TN every single day multiple times and they were told more than multiple times to stop calling me at my job, and they refused to stop, until I Told the branch manageXXXX in the XXXX XXXX XXXX to have the two different employees XXXX XXXX then XXXX to stop calling me at my job, they were given permission once and the former manager XXXX in same office asked XXXX to stop as well and she wouldn't until i told XXXX the owner before the wrongfully let XXXX go. 2. After I went thru a hard time, XXXX Pandemic hit, my Work hours were cut, I missed being XXXX and 2 payments not 6 were missed the former manager XXXX XXXX ; XXXX what she called a type pf recondition on my account that she said would forgive my late charges and it caught me up and advanced me three months for Hardships. I was told at that time I would be due for XXXX of XXXX. Then in XXXX I am called and told i am 2 months behind, After complaining and arguing I am not and sent am email of a breakdown i could not understand and the Branch Manager XXXX said she didn't know how to explain to it me this list she has on file shows where I am and what I paid and I am past due and is what it is, I attempted to pay and they refused to make the account right, and then another Rep in XXXX 's office looked at the account and that incident came to it was a late charge that was not removed which was told should have and the credit report should have been corrected and WAS not and still made pay an extra month. Then today I receive a letter in the mail contacted the branch and called 4 times, which calls are logged or where they are coming from, The branch was called 4 times and they refused to answer my call, I then called the XXXX office and had a return call by the owner XXXX who is a very rude and non workable person worth the ways my loan has been handled. In saying this all she said as she did on the last conversation we had was i know how this works I do the business which is not a professional thing to say to anyone and I asked her why i received a standard letter in the mail today I was being Sued. She said they received a Certified letter from my address signed Refused by me.. I HCE NOT AND I DID NOT SIGN ANY Certified Letter from XXXX XXXX XXXX addressed to XXXX XXXX @ XXXX XXXX  XXXX XXXX XXXX TN XXXX, stating such, and she then said, well I am already sued.3. By law not be sued, or even threated to be sued without the proper documentation sent my attention stating the actions are about to take place, she said I now have to pay her attorney and more money on top of the dollar amount I am in disputes with that I owe this company, This was a loan that the Title was already released to me once a certain dollar amount was paid toward the loan back to me. This loan was originally on a three year note and I was told by XXXX the original manager who handled all the paperwork, that after they modified the loan due to hardships on my me and my household on 2 occasions I would only owe 12 more additional months not 24, and 4. I was also told I would NOT owe any extra interest expired and now all a sudden I do. I feel this company has cheated me, abused the collection laws, have showed poor job performances with the ways they have spoke to me as a individual, customer, and should have never had any rights to STATE put oud to me multiple times using my own job profession as ANY collection tool, or example or statement of slang toward me in this XXXX. I feel I should be completely forgiven for repayment and exempted to a XXXX balance immediately and notified of a XXXX left they claim I owe as of today XX/XX/XXXX and attorney fees added to now owe as well to First Franklin Financial located in XXXX TN and EVER more. This was a 3 year note that has turned into a XXXX year note, NEVER refinanced I also feel the CFPB should open a full investigation on the newly opened company and visit these offices and witness how consumers are being spoken to and treated and wrongly charged on there loans and consumers and workers are being treated by this company, the owner and her employees. Sincerely, and thank you XXXX XXXX XX/XX/XXXX

Company response to consumer: Untimely response