Consumer complaint received 2016-03-22
Company: TCF NATIONAL BANK
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Over the past several months beginning in XXXX Gateway One Lending and Finance has been making repeated harassing phone calls to me. I had spoken to a representative informing him I was in the process of moving because of my husband 's car accident. I informed the representative I was actively looking for employment, however my next payment would be late. Once I became employed in XX/XX/XXXX, I again contacted gateway one, this time informing them I had become employed, however I would not not be able to make a payment until XX/XX/XXXX as the employer held the first to weeks that would be made available XXXX I left the job. I was instructed to make the payment via XXXX once I got paid as the payment was already late, to which I agreed. As agreed upon I made a payment to Gateway one on XXXX/XXXX/XXXX. However, gate way one although telling me to make the payment via XXXX proceeded to try and withdraw the monies from my bank account without my consent. I have never had my car payments automatically withdrawn from my account, but when paid online ( which occurred seldomly ) I would elect one time payment. Although the site insists the information is not stored it had been and my account had been illegally accessed by Gateway forcing it to close as I had not monies in that account. Gateway one insisted I had given a representative permission to withdraw the monies from my account and the conversation had been recorded. When I asked to hear the recording or receive a copy I was told I needed a court order. For several months I have been receiving aggressive and harassing phone calls from Gateway, multiple times a day. I was even receiving calls at work although the payments were being made. I requested several times that Gateway refrain from contacting me and my employer, however the calls continue. My position was later eliminated and I spoke with XXXX XXXX a Manager at Gateway One informing him I was actively seeking employment. He informed me I needed to make a payment, which I told him I would be trying to borrow the monies to make the payment on XXXX/XXXX/XXXX ( I was able to borrow the monies and make the payment ). I reminded him I had requested the telephone calls stop as I was engaging in job interviews and although my phone was on vibrate, representatives continued to call during the interview. Gate way one representatives have also come to home, and began calling my sister ( XXXX/XXXX/XXXX ) insisting that I had given them the ok to reach out to her and discuss sensitive information. I have never given representatives my sisters number and want to know how the number was obtained. I would like some intervention with this company as their behaviors and tactics have escalated far beyond simple debt collection, but intentional, manipulative, embarrassing, and aggressive harassment.

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