Consumer complaint received 2018-03-23
Company: American Credit Financial
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The manager will not talk to me about emails and payment confirmation, only wants my credit card info. hangs up if i talk about anything else.

In XX/XX/XXXX i started a payment plan with American credit financial because i forgot to pay back one of my pay day loans, Complete mistake on my part so i owned up to it and they said it will be $ 600+ to resolve this, They said if i don't make payments then they will serve me at my house or place of work and see me in court and the fees went from an original {$200.00} payday loan to {$3000.00} in fees for court and lawyer i guess. I agreed to make payments because the payday loan totally slipped my mind. They called my today saying we should not have to hunt you down to make payment i can only help you as much as YOU want to be helped. With that being said she told me i made a payment plan in XX/XX/XXXXand it was declined for XX/XX/XXXXand XX/XX/XXXX and now its late this month so they sent it back to their department where they will serve me this afternoon. The manager was the most rude female i have ever talked to in my life i have never been treated like this or talked to on the phone, i can guarantee you their phone calls are not recorded because if they were she would be fired immediately. I explained to her i have no problem what so ever making this payment that i have a card for her when i get home in 15 minutes, but i wanted to clarify that i id get emails and confirmations of payments for XX/XX/XXXXand XX/XX/XXXXand i wanted to go over that with her so we were both on the same page and so we can both understand the balance i have left and i can write it in my notes and email. I said i will be home in 15 minutes are you able to look at the other payments and my account so you can see that i did email you guys trying to make payment and gave you my phone number and they never responded i have 3 different emails trying to contact them. She literally told me i do not care we have had to hunt you down and i shouldn't have to do that do you have a card ready for me or not, i said yes i will be home in 10 minutes now i just want to understand whats going on with payment and the balance and she hung up on me, i called back and she said look if you don't have a card for me do not call back. i called again she proceeded to tell me she shouldn't have to contact me about payment and its my responsibility to contact them, i proceeded to tell her i did contact you guys 3 different times trying to get a hold of them, she literally is acting like a professional arguer she did not want to help me at all she seriously wanted to argue with me over who is right and wrong and all i wanted to do is understand account balance since i am making a payment and you are telling me i did not make payment for the other months as well when i have email confirmation stating i did make those payments, so out of my concern of not getting scammed i called back and wanted to try and talk one last time and see if i could get someone different, i said we obviously are not on the same page please transfer me to someone different she said no can do i am the manager it will not go higher than me, so if she is the manager why cant she talk to me about my account balance and whats going on with it? I have never been so appalled over a companies actions, The lady obviously wouldn't give me her name and threatened to have someone serve me at my house since i didn't want to give her my credit card information, when i said to her plenty of time i do not mind making this payment can we please talk about the emails and account balance first then i will make payment. On theXX/XX/XXXX i emailed the guy who told me it was no problem changing credit cards just email me then when it gets closer and we will change that for you, i did and they acted like i never did because they were not willing to read the emails, why did one person say its no problem contact us we will resolve that issue and then the manager says we had to hunt you down you didn't contact us or anything just give me your card, i did contact you i did do my due diligence, you are just having a bad day lady.

Company response to consumer: Closed with explanation