Consumer complaint received 2017-05-22
Company: TIDEWATER FINANCE COMPANY, INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have a auto loan with  Tidewater Motor Credit an d I wish I did online research PRIOR because every single complaint is the same or worse than mine and the Government has n't shut them down.  Tidewater  used a predatory loan and changed the terms on us after we signed paperwork, then their online and automated phone systems do not work on purpose to FORCE customers to call in so they can add on ridiculous fees to charge. When you call to make a payment the approximate hold time is in excess of more than TWO HOURS and when you finally do get through they either tell you that you MUST make 3 MONTHS worth of payments or they tell you to pay the vehicle IN FULL or they will not take your payments???!!!!! That will force customers to spend way more than they can afford, or into hiding. There are many lawsuits against them for the same issues. They called me at all hours of the day and night before  XXXX  and well after  XXXX  and they threatened to send someone to " sit outside my home to wait for me ''. Their repo people have disclosed my debt account balance to my neighbors by literally walking door to door in my GATED COMMUNITY, THEY HAVE GONE INTO MY WORK giving my boss and co workers personal information and how much I owe and leaving their information and they have offered a monetary reward to every one of them for turning me in. I had a woman named  XXXX  call me on   X/XX/17   and she told me that I should " be embarrassed by not paying my bills and I did this to myself and then told me she was sending a tow truck with  2  men to sit outside my front door and follow me everywhere I go to retrieve the vehicle '' Today is the 11th time I have had to call the police because there is no peace when these men come, they BANG on windows, AND DOORS SCREAMING OBSCENITIES, try to break in the home, scare my children, neighbors, and myself. They have literally CHASED me in multiple vehicles trying to get the vehicle and it is all because they want to get paid. Tidewater gives their employees bonuses to collect extra fees and more payments and if you do not comply they say they do not want your business. How is this legal?? How can they force consumers to call in and charge them through the roof or take the car when I was trying to pay on time. On paper it looks like I was never on time bit the reality is they would never take a payment. And if I could get through, I could not afford  3  payments at a time???? Look online at their own employee reviews and you will see that it 's high stress to meet the incentive money goals and most feel the consumer is being taken advantage of. I have a log book with every date, every threat, every form of harassment from Tidewater and will be taking them to court if they do not fix this issue. I am not sure what  Towing Company  is involved but their harassment also violates Nevada laws as well a s Consumer Credit l aws. The police have been called here so many times and if you tell the company in writing to stop harassing they ignore it. Tidewater does not care aboit the consumer PERIOD.

Company response to consumer: Closed with explanation