Consumer complaint received 2016-09-12
Company: FIRST HERITAGE CREDIT LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I borrowed a loan XX/XX/2014 to cover some of my expenses. I was struggling to pay my bills, rent and go to school full-time. In the beginning, I was able to comfortably make my payments every month but after a while I got behind and I was making sure to called this company periodically to explain my financial crises. Sometimes, they would call me if they did n't hear from me and I thought everything was fine. I figured they would be willing to work with me. I WAS SO WRONG. When they finally found out a got a new job that paid me every week, they wanted to know when I would be able to pay. Of course, I was ecstatic about finally finding a job that paid me frequently ; however, I was hit with my job cutting hours and my rent went up AGAIN. So I had only made one payment before I could n't pay again. One of the representatives, XXXX made a point to call my job without my consent to look to collect debt from me. I had already talked to her a few weeks earlier but she was hunting me down, although every time we spoke, she claimed she understood and would be willing to work with me. As time passed, this company got more aggressive in their attempts.They would call me from every possible extension, leaving voicemail after voicemail. It gotten to the point where they were deceptive -- -XXXX would call from her personal cell number and leave messages, looking for me to pay up. It was times I would call and ask could they possibly settle my account. Besides, the account was established almost two years but they said they absolutely did n't take any amount less than the balance owed. No matter what I did to get help, these people have been inconsiderate, harrassing and complete liars. Recently, the calls have stopped but now I have a new problem, the company is pulling my credit report every few months, trying to ruin my credit further with hard inquiries because I could n't pay them. So I called the company up last week and complained about my credit report being pulled. According to them, I agreed to them pulling my credit when necessary but I do n't recall signing anything agreeing to that but then again, it has been two years ago when I opened the account. So I explained to XXXX I am looking to settle my account. I do n't know why I thought anything would change but she said she could n't settle the account. I owe {$1200.00}. I asked to settle for {$600.00}. However, XXXX said she would n't settle for half. So she put me on the phone with her supervisor XXXX. When I spoke with the supervisor XXXX, I had complained about the harrassment and the unwillingness to settle. So, she finally asked me what did I want to settle the account for. I negotiated {$800.00} and she agreed over the phone. She told me to call her back Monday with an update when I got the {$80.00}, Now, today is Monday, XX/XX/XXXX. I called and asked to speak to XXXX but XXXX spoke with me instead. I explained to XXXX that her supervisor XXXX and I spoke last week about settling the account for {$800.00}. She was quiet a minute on the phone and she placed me on hold before coming back. She informed me that XXXX never agreed to settle the account for {$800.00}. According to XXXX, XXXX said as I quote word for word " Some customer called her and said she would pay {$800.00} towards the account and pay the remainder at a later date. '' XXXX completely lied about what we had discussed and got my hopes up of finally settling this account and moving on with my life. I am very disgusted that they play mind games and try to ruin customers ' lives over money. I could see if I was a customer that did n't call and update them or did n't offer anything. But two years is just too long to deal with bull like this.

Company response to consumer: Closed with monetary relief