Consumer complaint received 2017-06-23
Company: Globe Acceptance, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I am in need of immediate help in regards to resolving this matter. XXXX XXXX was my original finance company when I purchased the vehicle at the dealership. They went mia after about a year a half into my contract. No notice. NOTHING. I started receiving harassing phone calls at my job and on my cell phone, family members and friends too from Globe Acceptance. They accused me of providing false references from day one. My family information has not changed in over sixty years. This is my third PAID OFF vehicle. I am not a child or rookie or deserve to be talked to or treated as such. I am educated. I also have my original contract from XXXX and the original terms I agreed to. Globe Acceptance has NEVER acknowledged the year and half of payments to XXXX   and reissued the total balance on my credit and on my payment account. I am not repaying payments they are not acknowledging for 18 months. In addition to that, Globe Acceptance has had some very shady business practices and I have left it be known that I will not tolerate it and I will take this matter beyond them. <P/>First and foremost, Globe has illegally charged me a {$5.00} processing fee EVERY time I make a payment. This was not listed in my original contract, nor was I ever sent written notice or agreed to this XXXX applying to my account. They have never acknowledged the due date THAT I PICKED AT THE DEALERSHIP, THAT IS ALSO LISTED CLEARLY ON MY CONTRACT, or the grace period that comes with it. <P/>Also, my initial finance company did not report any information to credit bureaus. Globe has not only reported inaccurate information to bureaus by providing a higher balance than what I owe and not acknowledging payments made on time, never late for a year and half to XXXX XXXX. This inaccurate information has affected employment and banking opportunities and prevented me from gaining housing as a fire victim. <P/>I have also made it clear to them that as a victim of a heinous crime, that any reporting is not allowed at this moment while an award and case is pending. I utilized the vehicle for housing throughout the course of events that have occurred in my apartment complex ( arson fire directly below my unit under investigation ). <P/>My original contract is still the same and Globe and not honored it. I have n't signed XXXX with them or agreed to anything. If I do n't pay the processing fees, I am threatened with repo. They even had a representative pop on at my residence on a Sunday afternoon to tell me I was eight days late and stuck the XXXX to my house front door. I was home and witnessed it. I still can not get the tape off property that is not even theirs. <P/>As a result of their relentless harassment and shady business practices, I reached out to all three credit bureaus and an attorney. All the credit bureaus have since completely removed and deleted Globe Acceptance from my credit report and making efforts to be sure it does not pop back up. <P/>At this point, I am not only requesting damages from them, but also full release of any remaining financing. I have paid over {$17000.00} to date and my payments were not acknowledged, I have been repeatedly treated unfairly, harassed at my home on a Sunday, accused of giving false information, threatened multiple times, and an inaccurate credit report that has been addressed by the bureaus, not them, and illegally charged processing fees that are not listed in my contract beyond a late fee. I am disgusted with Globe Finance. I find them negligent, disrespectful, fraudulent, nasty and I will be sure to let everyone know how they did a consumer. They did not even notify the dealership that the contract was no longer XXXX. There is nothing in writing that I agreed to to Globe directly. EVER. If you have anything else with my signature, it is fraudulent. Period. I am exhausted and disgusted. <P/>I will forward all original document to the Consumer Finance Bureau. My records can be verified directly with the dealership. I am tired of Globe. They tried it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation