Consumer complaint received 2016-07-25
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Can't contact lender

Complaint:
The past 3 months I have tried to make a payment online and with the android app - An error message says account locked. 
I have called to report the issue. When I called I was placed on hold. After waiting XXXX minutes, I hung up and would try again later. 
I have experienced this before, and the reason Loan Mart locked my account was that my account payments were not current. 
I can not help the financial hardship I am in, however I do make my payments when I can. I explained to Loan Mart about my XXXX, and that no matter how many phone calls or how many affiliates contact me- my payment amount, or when I can pay, does n't change. I have become very ill behind the harassing phone calls- I 've consulted with a Lawyer and the calls have stopped, however, now the rule that if payment is not current, consumers are locked out of their account makes it impossible for me to make my payments. 
I sent an email informing Loan Mart I have been trying to make payment with the android app and an error, " account locked '', appears. I have not received any response- I do n't want my car to be taken. 
I have already paid off a {$2600.00} loan from Loan Mart - The loan was paid in full - after my third payment. 
Loan Mart constantly harassed me - The first loan with Loan Mart I had a horrible experience and mentally lost it - Loan Mart and/or it 's affiliates harassed me to the point I had a mental break down. 
I was 3 days late on a payment, I received over a dozen phone calls from Loan Mart and/or it 's affiliates - some of the calls came one after another after another - threats that they would take my car, and demands to surrender my car. 
Different callers from different places on behalf of Loan Mart. 
I could not handle XXXX I was overwhelmed and my XXXX - I have a XXXX and could not handle the XXXX caused by Loan Mart and/or it 's affiliates. 
I paid the loan in full after only active for 3 months, ( I paid over {$3400.00}, for a loan I paid off in less then 4 months ). 
I got the loan so that I could show a payment history on my credit report to increase my score. 
I was set back financially after paying off the {$2600.00} loan which cot over {$3400.00}. 
I tried for months to get back on track, but no matter how I tried, I was negative {$3400.00} from my budget. 
Faced with a financial hardship - I explained to Loan Mart that I did not want to pay the {$3400.00} - I wanted to continue making payments to help build my credit score up, but I was so stressed out when the calls would n't stop, and the threats that they were coming to get my car - I just wanted all that gone away from me. 
I was approved for another loan of {$2600.00} - another loan was given to me, however I am still faced with a financial hardship. I am frustrated overwhelmed, and my XXXX hurts. 
I try and try to make my payments - I 've fallen behind, and as I mentioned earlier in the complaint how Loan Mart and its bully tactics prevent me of making any payments locking my account, Consumers can not pay online with the convenience of the on line account manager, or the android app when you fall behind in payments- This allows Loan Mart to use the Bully Tactic of demanding full past due payment, threatening to take your car or demanding you to surrender your car. Loan Marts bully tactics have cause me great mental strain in the past - I refuse to jeopardize my XXXX health, so I am reaching out for help. 
I refuse to be bullied and have my rights as a paying consumer rejected. 
Please help me. I tried to make payments, but Loan Mart locked my account and my payment ca n't be made.

Company response to consumer: Closed with explanation