Consumer complaint received 2019-11-04
Company: SUN LOAN COMPANY INC.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
My name is XXXX XXXX and I have a debt with Sunloan Company in XXXX, MIssouri. ( XXXX ) I have paid off 3 different loans with this company and up until 2 months ago I was in good standing. I contacted them -AGAIN I reached out to the company in the XXXX Location and explained that my payment would be past due. I was told that they would still continue to contact me daily regardless of the arrangements. I work at XXXX XXXX XXXX in XXXX for over three years I am on air talent that is what I get paid to do. I have explained multiple times that for the next 30 days I would be late I now Im going oI have explained multiple times that for the next 30 days I would be late and proceeded to tell them the exact day I would be there to pay. I have no promised payments that I have failed at with this relationship with this company and you can see that by visiting what they report to the credit bureau on a monthly basis until two months ago there were no issues with my pay for over two years. 
I explain to them calling me daily seemed fruitless considering it was interrupting my employment my job however they instructed and explained to me that they had no choice but to call me daily over and over when I dont respond to them after 8 to 10 days of them persistently even with the knowing that I was not going to be on time they then proceeded to call family members and other individuals that they believe might perhaps know me they call these individuals at their employers theyve contacted various family mother-in-law brother-in-law friends of my immediate family theyve contacted my father 3 times on his home and business phone. I originally gave them five references at the beginning of the loan I explain to them I did not know how it was legal for them to continuously contact people that I did not list as a specific reference however they explained to me that they have the right to contact anyone and everyone even though I have given them the exact date of when payment will be May however the constant harassment during my work hours 3 to 4 times per day in addition to contacting various family members at least 2 to 3 times I originally gave them five references at the beginning of the loan I explain to them I did not know how it was legal for them to continuously contact people that I did not list as a specific reference however they explained to me that they have the right to contact anyone and everyone even though I have given them the exact date of when payment will be made however the constant harassment during my work hours 3 to 4 times per day in addition to contacting various family members at least 2 to 3 times twice weekly and consistently for the past month and a half- I have asked them to stop! My job will not allow me to have cell phone calls or business calls while I am on the air and while I am working. I was told by XXXX and by the other gal that the minute I am past due - THEY HAVE THE LEGAL RIGHT TO STAY IN CONTACT WITH ME AND THEY WILL SPEAK TO ME DAILY! It is their job and I am wrong! I simply want to keep my job and have asked repetitively for them to stop!!!! 

At this point it has gone beyond harassment and beyond intentionally attempting to slander my name and cause me issues both by creating a sense of urgency to the individuals and by trying to expose me to people by calling them multiple time per week. I mean they know where I am - they know I will communicate when I am available and when I have the money - however I am beyond upset and it has caused me emotional grief. Please note : this is all over {$80.00}!!!!!!! I am paying 400 % interest and Im being harassed - it appears they feel they have the right to intentionally cause decimation of my character! My reputation and I will never get back!!!! That is what I am failing to understand - how can people do this to others? Please help. Me! 

Sincerely, XXXX XXXX Married with XXXX children - I am employed and do not use any type of government aid! I am a simple US citizen that pays taxes and I have no felonies and have never been arrested. I simply have bad credit. And this is the only thing I am guilty of- thank you in advance for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation