Consumer complaint received 2023-03-17
Company: Lendmark Financial Services
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The loan officer at LENDMARK XXXX VA now terminated as a employee that handled my car loan which was only balalance XXXX ( I put XXXX down paymnent ) XXXX XXXXthe loan officers were friend with my ex husband and added my loan to his high preexisting 's loans of him and his aunt. The loan officer told me to just sign blank sheets and would fill out, Once I found out this violation and Un authorization of my loan, I met with the white manager and loan officer. ( XXXX XXXX ) that assured me they would separate the loans but to keep paying the loan so I would not loose my vehicle. I immediately separated from my husband attempting to file for an annulment but was told by circuit court that this county does not do annulments and that i would have to separate a year for a divorce, I separated and moved to XXXX but came back with witness for them to take my name off of his preexisting loans which were very high mine was on XXXX and at that time saw that i was the only one making the payments my EX husband would not respond... so the two white loan officers whom knew and dealt with XXXX for over at least XXXX in preexisting loans told me they would just refinance my loan. Now my loan would be for XXXX for 5 years so in XXXX annual finance of XXXX anyway the vehicle was put in my name but i got no documents Now XXXX they told me they got it adjusted i had paid XXXX so XXXX told me that i would be paid off in XXXX in XX/XX/XXXX I refinance got a PAID IN FULL XXXX and on both it showed finance XXXX on both documents my vehicle is paid for. The loan officer told me not to speak to new XXXX branch manager because she was not familiar with my loans and XXXX XXXX several preexisting loans, I took my divorce decree into Lendmark & XXXX XXXX  in which XXXX XXXX agreed to pay all his existing loans & his vehicle and I would only be obligated to my vehicle loan in which I have paid as of XXXX my loan in full. Now the new branch manager is confused but according to documents in her computer my ex-husband with his aunt has several derogatory loans, Also my career is XXXX as a District Loss Prevention Investigator and Trainer. I have prosecuted many employees for fraud with customer or friend they knew in larcenies, credit card scams. embezzlements, bad checks fraudulent refunds etc. These past white employees and managers both terminated were friends with ex-husband and his family taking out loans without the proper substantial incomes, this is a little town. Anyway i went to have a meeting pointing out facts and evidence to LENDMARK. Now they could now provide me with the original contract for my vehicle, they is no way that you would {$16000.00} dollars on a {$500000.00} loan. Now XXXX XXXX in XXXX took my name off of XXXX XXXX {>= $1,000,000} loan for his truck as the court order decree stated. So the branch manager XXXX XXXX contacted her regional manager because i was going to turn vehicle back into them, This regional manager kept did not have the facts and told me to make payments..I asked for my original contract of my loan of only XXXX period. i also told him my background and that he may have a internal employee fraud and larceny prior to his new staff. He explained that I received XXXX when I refinanced, I explained that I received no money at all nor would he find a refund check in my name nor an deposit into my banking account and you do not give out cash here. I explained I have prosecuted many of employees with company account giving credit refunds /refunds but POCKET that money themselves. But i had a witness with me an officer of the court and that i recorded the meeting with hid loan officer XXXX XXXX. So at that time they XXXX XXXX branch manager told me to take my vehicle back and would be in touch I have not heard from them since. Now XXXX XXXX informed me not to make the last payments because i had paid in full of course she is no longer an employee there. I have contacted the Corporate headquarters Lendmark file a complaint but i need your help in the federal regulations that this loan office is doing and help with my case ... The Lendmark office is XXXX XXXX I have paid for my vehicle in full!!!!! My phone number is XXXX XXXX pl ease help me. Thank YOU,,, My divorce decree attorney XXXX XXXX XXXX XXXX, attorneys are expensive and i should not have to go through this due to a fraudulent employee friends of kin to my ex husband XXXX XXXX XXXX and family to pay his several outstanding Derogatory LENDMARK loans.

Company response to consumer: Closed with explanation