Consumer complaint received 2024-09-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (AL)

Covington Credit, part of the Heights Finance Group, had an office in XXXX XXXX, XXXX  where I live, and where my account was first established. They closed the XXXX XXXX XXXX and moved their business to XXXX, XXXX, with only one personnel transferred from the XXXX XXXX XXXX, is my understanding. So, I am waging complaint against the personnel of Covington Credit at XXXX, XXXX. This company is ok to deal with, so long as the customer doesn't run into financial hardshipm but when and if this happens, there will be problems and their attitude will change drastically. This is what happened to me. Their personnel at the XXXX XXXX XXXX was constantly changing. I had a perfect pay record with this company and had renewed my loan a couple of times with no issues UNTIL I developed severe health issues, a XXXX XXXX - XXXX  and XXXX  XXXX XXXX - being the reason for the excessive medical bills which was the cause of my falling behind with my payments to Covington. As I mentioned, I had an excellent pay record. I am XXXX XXXX XXXX with XXXX XXXX only, and no supplemental policy. My XXXX and other illnesses - I am also being treated for Stage XXXX XXXX XXXX - necessitated XXXX nights in ICU and XXXX night in the stepdown unit in late XXXX - early XXXX XXXX. My life hung in the balance, and I piled up several XXXX dollars in medical bills @ the 20 % XXXX does not pay. When I was discharged, I called all my creditors, Covington included, here in XXXX XXXX. I was told I'd be placed on a " hardship plan '' which turned out to be just being given more time, but my account in the meantime incurred late fees. When the account was transferred to XXXX I began working with a XXXX from that office. I was still paying what I could afford to pay on my account. XXXX and I kept in touch and there for a time, we worked together well. In XXXX, however, XXXX told me after I made a designated pmt. amount in XXXX, XXXX, they would redo the loan and I'd have a few dollars back, forget the exact amt. I drove all the way over to XXXX, only to learn I was one day too late to renew the loan, when XXXX had told me the next day would be fine, and I went the next day. Naturally, with my finances so tight, I wasn't happy for the wasted gas from XXXX XXXX to XXXX. At one point, XXXX even beat the desk with her hand and screamed angrily at me. I left the office. On XXXX XXXX, I was able to pay online and catch the account up to date with money I had borrowed from another source with a very high interest rate. I called and asked XXXX if I could renew the loan now that it was up to date to pay off the high interest loan plus get through the month. They had offered me to renew the loan with the loan behind, but refused to renew the loan with the loan made current. When I asked for an explanation, she stammered and stuttered and couldn't give me an explanation. I told her this was clearly a personal vendetta because of our argument in XXXX. Since then, the loan has fallen one payment behind because I counted on it to pay off the other account with the high interest. I have asked several times about a Hardship Program and received no straight answers. It is as if they don't even know if they have one, except to delay a payment with a late charge added. Another employee - I believe her name is XXXX- began calling me when the account had fallen past due by only 3 days again and they have called me twice per day all this month. I intend to pay my bills. I have to dig my way from under all this medical which was a surprise and totally wrecked my finances. I am working hard with my creditors, but Covington has employees at the helm who are volatile and inept and uninformed, and in my opinion, deceitful. Not only did they take a very unprofessional attitude with me and yell at me, they continue with harassing phone calls.