Consumer complaint received 2020-01-24
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I refinanced my vehicle loan with First Investors Financial in XXXX of XXXX. There was a ton of back and forth with me having to pay my old lender because checks weren't sent on time, then they were asking for payments too, etc. We finally got that straightened out and I was able to make my first loan payment. 



Unfortunately, I have numerous health issues. The main one being that I am 100 % XXXX  in one XXXX  and 80 % XXXX  in the other. This leads to frequent FMLA leave usage from work where they won't fire me, but I also won't get paid. 



I went through a horrible period where I had multiple surgeries and was out of work for a good period of time. My wife, who is authorized to speak on my account, called in to see if we could get assistance with catching up on payments since I am now back to work. 



To begin with, every person she spoke to was rude to her. She got put through to an account manager that told her that my loan had not been up for repossession review but since she called, she was going to push it through for review. My wife called to work out a solution and was told her call just made things worse. 



The rep didn't listen to my wife when she tried to explain our situation. Instead she strong-armed my wife into a payment plan that my wife told her we couldn't possible meet. We requested an extension, or to tack the missed payments on to the end of the loan, but she refused to do anything but basically force us to make 4 payments in one month. 



My wife made a payment of {$640.00} on the XXXX of XXXX as agreed. Then the other 3 payments were to be made on XX/XX/XXXX. However we only had enough money to make 1 payment of {$640.00} on XX/XX/XXXX. We are still behind XXXX, XXXX, and XXXX. My wife scheduled another payment of {$640.00} for on XXXX. 

Now I get a letter in the mail today XX/XX/XXXX. That was allegedly sent on XX/XX/XXXX saying I have 13 days to pay {$3000.00}. Getting the letter today has essentially given us 2 business days to come up with {$3000.00}. I struggle to believe this letter was mailed on Thursday of last week and is just getting here. 


We are trying our best to catch up on these loan payments, however we are receiving no help and just outright rudeness when we call to ask for help and also questioning why it is my wife doesn't work. I had not anticipated being off of work for the better part of a month and missing payments. I am now back to work and can keep up with the regular payments, but I we don't have enough to catch up on XXXX quick enough to stop repossession. 



We are just asking for an extension of XXXX payments and fees to the back of the loan so that we can make our XXXX payment and be current and not have to worry about the threat of repossession. Any help is greatly appreciated. First Investors should have a phone number to reach my wife or my e-mail address.

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 non-monetary relief