Consumer complaint received 2023-01-12
Company: The J. G. Wentworth Company
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My telephone number is alleged to systemically connected, wherein, if I make a inquires online someone will call me instantly before I am able to logout and believe this system may be connected by groups of attorneys/people/hackers and maybe some government agency associations, that may monitoring my telephone that tends to alert to discriminate and hinder especially when connecting financial institutions, as it seems to systemically discriminate which is troubling because the FBI is slow on protecting our constitutional Rights due discrimination. My case in point is below : I received an email from JG Wenthworth inviting me to apply for loan and debt relief online and upon filling out the application online someone called me as I was submitting my application. ( copy attached ). 

Upon answering my phone, they hung up on me... So I called the number back at ( XXXX ) XXXX as appeared upon the caller ID and received multi hang-up. Then as I was calling back the " XXXX '' number a ( XXXX ) XXXX called during that call and was the parties in complaints herein " JG Wenthworth for clarity in application. That JG indicated they had my request/application and needed to pull a soft credit check to confirm my application and asked for my address and last 4 of Social Security Number. ( Copy of call history ). 

They stated they have two ( 2 ) programs to offer, one was a loan so that I can pay down my debt and the second ( 2 ) was a debt relief program according to my debt as reported upon the soft report for about {$14000.00} debt. He then indicated he would negotiate payments and close all my accounts with a monthly payment of {$300.00}. 

I responded that I do not want to close all my accounts and that I select to proceed on the 1st option. Wherein, I was told, I would never get a loan because my credit score is low. I then requested the minimal credit score needed to proceed, so that I could make some credit improvements to move forward. JG Wenthworth responded that take a lot of things inconsideration, such as, work history and income and I could never qualify because of my credit score.

I then requested what credit score do I need so that I can move forward and please send me ECOA or FCRA notices so that I could move forward in improving my credit to move forward, and they hung up on me and continued to hang up thereafter. 

I then called the JG Wenthworth from XXXX for a number from their website and called ( XXXX ) XXXX, and spoken with representative named XXXX with my request for credit score needed and she responded she dont work in that department and worked in the debt recovery/solution dept. She then given me a file number # XXXX upon my request and indicated that I must have spoken with XXXX XXXX and she would have someone call me in the department that could give me the requested information ( credit score needed ), No called me back and I allege bias.

Company response to consumer: Closed with explanation