Consumer complaint received 2015-07-27
Company: Guidiville Indian Rancheria
State: NM
Product: Payday loan
Issue: Can't contact lender

Complaint:
I took out a pay day loan with a lender and paid XXXX or XXXX payments then found that I was unable to make the remaining payments as planned due to medical and family hardship. The total paid was approximately half of what they loaned me. I sought direction from a debt management company who is representing me on my behalf and notified the original lender. The original lender did not contact the debt management company to discuss options and sold my account to a XXXX party, XXXX XXXX, who calls me at my place of business and on my cell repeatedly. I asked if this debt collector was informed that their client was notified by the XXXX company and they said they were not aware. I have returned calls to them on several occasions as they threaten to serve me with papers at my place of employment ( stating this is the only place they can do so ), filing fraud charges against my employer ( who has nothing to do with my loan ), filing fraud charges against my bank ( who again has nothing to do with my loan ), wage garnishment, they tell me it is my last notification then call a couple days later and use another threat tactic and start the notification process over, etc. They provide me with a docket number for the county court and I 've checked with the court and they state they have no such numbers on file for cases. Also, they do not identify themselves, they do not provide me with the loan company unless I persist, and they will not accept what I can pay, they want more than I can pay in an arrangement. I never received anything in writing. On one call, I asked who what the company name was and where they were located and he got angry, called me something unkind and hung up on me. Should n't they have attempted to contact me in writing? And should n't I have all of their contact information to provide to my XXXX company in case something can be settled? I 've researched their phone number online and see that they use these tactics all the time. I told them that my XXXX will do business with the original loan company and to have them call but they said it is too late. I 'm not trying to get out of paying anyone back, but these payday loan companies do n't want to take reasonable settlements and if I lose my job because of these phone calls and their methods than I wo n't be able to pay them at all which is what I told them last time I spoke with them. A claims investigator named XXXX XXXX keeps leaving me the messages. I 've also gotten recorded messages from a XXXX XXXX, do n't know if she is even real as when you call she 's not available. The message does not give their name, just threatens legal action if I do n't call them back and their number. Last time I called them, they called me back and started telling me how the XXXX company was taking money from me and not helping me. If I could set them up with consumer credit counseling I would but payday loan companies wo n't work with them. I have more than XXXX pay day loan which is why I am using the XXXX company to help me settle these loans.

Company response to consumer: Closed with explanation