Consumer complaint received 2020-02-15
Company: Avid Acceptance, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased a vehicle in XXXX, Avid Acceptance became my lender. Since maybe XXXX I stated having more problems making my payments and when I first contacted them to see if I could get some help, I was they dont refinance, I started having problems because the building I was living was infested with mold and making me and my child sick. In moving my rent increased but I had not had a pay increase in three years. I worked for out local housing authority which is non profit. During this time I also started school to increase my changes at gaining higher pay which some of my schooling was coming out my pocket. After struggling to make my payments, on XX/XX/XXXX, I spoke with Avid representatives and was told I could get deferment for one payment but my payments must be up to date. During this time, my employer was firing people left and right and I had to race to get a job. Here where I live, they dont keep people with proper KSOAs, they hire family and friends. I finally had to take another job which was less pay like {$200.00} less a month and I had to commute which meant more out of pocket such as gas, maintenance, oil changes are more frequent and trying to keep a roof over my head and pay my way through school so that {$200.00} really hurt to where Im borrowing money from friends for gas and have to pay that back. I never heard anything back about the deferment I submitted. They never sent anything in writing on if I was approved or not. When I mentioned this in a email, they said if I call them we can talk about it. In XXXX of XXXX, I made a XXXX dollar payment which was my school money and I have made payments after that which I found out they were planning to repo the car. Now I owe them XXXX after dropping that XXXX. I feel I am being taken because of my situation and feel Im getting punished. I told them I have paid off four other cars, the difference was the other company made it possible for us to make out payments by refinancing when we get into trouble out of our control. I have never heard of a company that dont refinance so the customer can be in control of their money and still live. I have a year left on this car, I told them I already know what they are going to do. They will set me up for failure then repo the car, I lose my job then they gon na want money. I have ask and explained what I was going through without success. Only thing I get from them is finger pointing and accusations about me not contacting them. Who do I talk to, I have like two and three people on my back either emailing me or calling all day. I have told them I cant answer my phone at work, we signed a document that we will not have our phones out. Right after work, I go feed my mom who has XXXX then class. Im tired of the harassment especially when I have called and tried to get them to help me. They want to control what I do. I told them Im starting a new job but I wont start until XX/XX/XXXX and they already asking for the address, I dont know the address yet. They want to know when Im going to pay the XXXX which I already to them in a email when Id be trying to make a payment. I can only it when I get my taxes and school money, this is keeping me from paying my medical bills and according to a budgeting specialist the car note needs to come down and they wont do it unless I refinance with someone else. This is not fair. I thought I saw a post on their reviews that they helped another person so what mays me different? Im over qualified for work here at home so I have to commute to jobs that pay more. Commuting cost! I have severe XXXX and XXXX  and when I go through this, it affects my job and schooling, I start XXXX  from XXXX   and cant think straight because Ive been set off. There are other emails and this is another reason why I email, for records because I dont trust companies today.

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