Consumer complaint received 2016-06-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Credit Central Holdings, LLC (SC)

I contacted Credit Central on XXXX/XXXX/XXXX to let them know I would be late making my payment. I originally spoke to XXXX at about 9XXXX of XXXX/XXXX/XXXX after explaining to him my situation he placed me on hold. XXXX XXXX then picked up my call and answered the call stating " XXXX XXXX you are a sight for sore eyes ''. I then stated " excuse me ''. He proclaimed that I never showed up in his office on XXXX XXXX. I explained to XXXX that I never stated I would be in the office on XXXX XXXX. I expressed to XXXX that I told him I would mail in a payment but I was not going to be able to do that until XXXX XXXX. XXXX then stated " Oh XXXX, what am I going to do with you? ". I said " XXXX I am very sorry but unfortunately I am having a rough time right now. I said I have been a loyal costumer of yours for years. I stated you have very rarely had issues with me not being able to make my payments ''. XXXX then became agitated and stated " XXXX XXXX that is not true ''. I stated " XXXX, it is so and I am doing all I can right now but I am about to loose it and have a mental breakdown with everything I have on me at the moment I started to explain to XXXX what all I was going through and he said " You know what your problems are none of my bussiness ''. I stated " XXXX, I know that I am just trying to explain to you financially where I am at ''. I stated I am trying very hard. '' XXXX began to get louder with me and stated " you know what XXXX XXXX it 's called XXXX and paying your bills. Deal with it and I will be seeing you in court ''. This is not the first time I have had issues with this company. Back in XXXX I mailed this company a letter asking them not to contact me at work. I know the letter was received because my payment was posted to my account. I work at a XXXX and we receive up to 600 calls a day. We have been asked not to receive personal calls at work. XXXX and XXXX would call me several times a day. If they were placed on hold they would hang up and call back. One call log showed within a 8 minute time frame they called 4 times. Several coworkers stated they were very rude and demanding. I had printed call logs and when I confronted Credit Central about it they lied and stated they had not called me at work. Also, I had witnesses at work who wrote down their names and stated they were very rude and they were going to contact management of our company if they called and spoke to them that way again. It was only when I sent a response to my county magistrate that the calls at work stopped. I can no longer deal with this company. Due to personal and medical issues I have undergone the past 3 years I have been diagnosed with XXXX. On XXXX XXXX after speaking with Credit Central I had a XXXX XXXX while at work. I am not trying to avoid paying Credit Central nor am I disputing my debt. But I ca n't deal with the ongoing confrontations that result when I can not make a payment on time. The unethical insults such as a " sight for sore eyes '' or " XXXX ''. It 's almost stating I am irresponsible and I am not. I have worked for the same company for 14 years. I have had this loan since XXXX and if there is a time I am behind it usually means I have to come in and renew the loan. That is the only way Credit Central will work with you on making payment arrangments.