Consumer complaint received 2017-01-23
Company: First Premier Financial, Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX I got a car loan for XXXX XXXX with First Primer Financial, I had weekly payments in which I paid on time every week. In XXXX XXXX I changed jobs and was now getting paid monthly not weekly so I contacted by phone First Primer Financial on XXXX XXXX XXXX and spoke with XXXX XXXX and told her I changed jobs and need to modify my payments to monthly not weekly she told me she would need a letter from my employer stating that I only get paid monthly and what day. So I made a payment of XXXX on XXXX XXXX. Then on Monday the XXXX I send XXXX a copy of my Letter of Employment. She later called my husband who happens to be the secondary person on my loan and told him that my letter did n't state what day exactly that I got paid and that she needs an exact date. He told her to make it the XXXX because he gets paid on the XXXX of every month then she later called him back and told him that she would just have our payments due on the XXXX of every month starting on XXXX XXXX XXXX saying we would n't have to make another payment till XXXX XXXX XXXX. Then on Wednesday XXXX XXXX XXXX XXXX sent me an email wanting me to sign a Modification letter and stated that she need to talk to me as well. Told her I was at work and asked if she could just talk to me through email and signed the letter and sent it back and that was the last time I had heard from them. Then on XXXX XXXX I received a letter in the mail from XXXX XXXX XXXX telling me they have purchased my auto Loan. At this point I 'm very confused I had no confirmation or knowledge about this. I then called them and they explained to me that First Primer sold my loan and that I was pasted due on my payments? I told them that I did n't have to pay till the XXXX of XXXX and they told me that First Primer never told them anything about a payment modification. Told them I would send them a copy of the Modification Letter in which I faxed to them on XXXX XXXX XXXX along with a copy of my Letter of Employment. I then called them to confirm they had received it the lady told me that they had got the fax and I would hear from them within 24 hours. I never did get a call back from them just another letter in the mail stating I was past due.The morning of the XXXX I went to start my car and it would n't start leaving me stranded at home and missed work for that day. I then called them and I spoke with another lady who had transferred me to a guy who then told me he would talk to his boss and get back to me within 24 hour which again I never got a call. XXXX Also called and talk to a guy on the same day XXXX XXXX. XXXX also called First Primer and told them that they needed to turn are car back on that they have no right to shut it off since they no longer have owner ship over the loan anymore they told him they did n't turn it off. On XXXX XXXX I finally get a call back and they are at this point trying to collect a debt I told her I was pretty upset because no one ever called me about and that I should n't be past due, she then verified my number was correct and looked at the account note she told me that they called and left me a voicemail on the XXXX XXXX asked what number they called and it was n't mine it was XXXX but he never got the voice mail. Told them from now on my number is the main contact number and if they ca n't get a hold on me on my number to call the other number. She told me that would just postpone my XXXX payment and that would make my final payment pushed out a month later told her I was ok with that as long as they do n't make me late I have worked so hard to make all my payments on time to have good credit, she told me she would be emailing her boss to send me a letter to sign that stated what we had agreed upon said I would have the letter by the end of the day or by the fallowing Monday XXXX XXXX. She then called me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation