Consumer complaint received 2019-05-16
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/XXXX {$23000.00} Company : Castle Credit I called the company to settle a loan for a water treatment that was installed on my home in XX/XX/XXXX. 
Castle credit was the creditor financing the water system. I signed The agreement not knowing what I was getting into with castle credit and their harassment tactics to collect a debt. 

In XX/XX/XXXX I lost my job and got behind on the payments, and they started calling my dad, sister which they never had permission to call them, breaking the privacy law first of all. 

I attempted to make payments to get caught up, and they still kept calling my family and me. I finally submitted a letter through Castle Credit contact us portal on the website to stop the calling and only contact me through email. They 100 % ignored the request. The contact portal is a joke, and they do not respond not even with an autoresponder saying they received my e-mail. I was getting upset I was trying to communicate Castle Credit but no luck. 

I finally called them to get this thing resolved for a payoff or lower interest rate and stop the calling of my family after Castle Credit ignored my written request, which is a {$5000.00} fine by law. 

At this point in the phone call, they offered me a {$230000.00} payoff within a 15 day period. At the time, I had no means to pay them if I could not afford the regular payments, what made them think I could do {$2300.00}? 
So at this time, I called a bank to do a debt considalted loan to pay off all of my debt. I was approved, and when I called castle credit back to let them know I would be settling the debt for {$23000.00}, they told me the offer was off the table. In the meantime, when I found out there would be money, I contacted them through email and never heard anything back. Again their lack of communication makes it challenging to make anything happen. I was in conversation with Castle Credit within 30 days, but they don't respond. 
So I called Castle Credit and told them that my lender would be sending the check for the agreed payoff. They told me the offer was no longer available because it was over 30 days. I then stated I was trying to get a hold of Castle Credit through email within that period. The debt collector XXXX XXXX was saying no to the offer and explaining to me that those emails have no importance. I was confused and upset. I hung up and called customer service at Castle Credit for someone higher up. XXXX called me back and told me not ever to call customer service again. That is a threat, and I explained to XXXX that the money would be there this month on the XX/XX/XXXX and he offered me {$500.00} off the total bill. 
At this point, I left the conversation unresolved. In my eyes, this company has broken so many laws I want this-this thing dismissed and gone. 
They have made {$4000.00} in interest plus a {$25.00} annual fee that I don't even see in my paperwork. 
Castle Credit put a ucc-1 lein on my house without giving me proper notice in the mail that would be doing so. Again another law broken. 

I still have my other loan coming through on the XX/XX/XXXX to pay my debts. Castle Credit offered me an offer that I could do, and when I tried to get a hold of them, they don't reply. I'm not at fault here fars working this out. 
I'm in a hurry to get this resolved as my loan is going through next week, and I want that lien removed right away. 
This was total harassment from Castle Credit.

Company response to consumer: Closed with explanation