Consumer complaint received 2020-05-04
Company: RFNA, LP
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX of XXXX I had a death in the family and had to leave town and miss work for a few weeks to take care of personal dealings concerning the funeral and getting personal things in order for the loved one. At that time, I tried to pay Republic Fiance online to no avail. I didn't have a lot of time to sit and deal with this so I could not continue trying to resolve this. I have screen shots of the many times I did try to login to no avail. In XXXX upon my return, I called and asked for help with my login to which I was told more than once that they were having issues with the login site in which I could make my payment. I also have screen shots of this. XX/XX/XXXX, my home was hit by the massive tornadoes that came thru middle Tennessee, my home was spared, but we did suffer much damage. Each time I tried to do an online payment, the payment center never worked. In XX/XX/XXXX, the COVID 19 strikes putting me and many out of work. I am aware that I am behind on this debt but I have also made MANY efforts to pay this debt. Republic Finance has sent me many letters stating that they can INCREASE my loan. I have kept all of these. I did not take advantage of this because I want to pay off the debt I already owe them. On XX/XX/XXXX, after receiving my stimulus check, I called the 800 number listed on the " increase your loan amount '' letters and spoke to a XXXX and at that time paid {$500.00} and received a confirmation number. Assuming this amount would put me in better standing since I have been trying relentlessly to pay. I then called Republic Finance today, XX/XX/XXXX, to catch my account up on payments only to be told that they could NOT take my payment because I owe {$610.00} and that I would have to contact their attorney. I have not received anything to state that I even had an account turned over to an attorney. My payments are $ XXXX/month. With the {$500.00} I paid in XXXX, this technically would only make me late 2 months owing a total of {$330.00}, not the {$610.00} I was quoted today to get my account up to date. I called and spoke with someone in a different office and she said that my account had not even been marked that I had been affected by COVID 19 as no one had made me aware that this was a possibility. After speaking with this nice lady, she gave me a login for a new payment portal that the company now has that was set up in XX/XX/XXXX. Again, no one had alerted me to this new login portal which may explain why I had been having issues. I then tried to login to the payment portal today, with this employee of Republic Finance on the phone with me. Attempt after attempt it did not work - even while she was on the phone with me she could see it wasn't working. ( I have screen shots of this as well ) - these practices by this company especially during these horrible times seems to be if not illegal the practices should be considered highly unethical. I have not avoided paying the debt, I just needed time to catch up on the payments since their OWN login for payments would not work. And I have proof of that. Now, with the hard times due to COVID 19, I am still trying to keep up with the payments and this company has reported all of this to my credit score lowering my score due to inaccurate information on their part. How is this ok? I implore you to please help me.

Company response to consumer: Closed with non-monetary relief