Consumer complaint received 2017-09-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Oracle Financial Group LLC. (FL)

XXXX Obtained payday loan for an emergency vehicle repair. Was unable to repay in a timely manner, debt defaulted and was turned over to collections. 

XX/XX/XXXXReceived call from a representative XXXX XXXX from Oracle Financial Group, LLC to discuss making payment arrangements through the collection agency for the previously defaulted payday loan. I agreed to set up monthly payments of {$XXXX} to be processed automatically from my personal checking account. Was assured by the representative if something were to happen I could call and discuss any issues I might have with making the payments. Letter was emailed to me verifying the payment arrangements including dates to be withdrawn and the amounts. 

XX/XX/XXXX XXXX Made multiple attempts to contact XXXX XXXX to discuss an extension on the payment arrangement for XXXX ( our family suffered financial hardship during hurricane Irma ). No response to any voicemail messages or the email I sent. 

XX/XX/XXXXXXXX Sent an email to XXXX XXXX stating that I had made multiple attempts to call and needed acknowledgement that the company knew I was unable to pay based on the original agreement. 

XX/XX/XXXX XXXX Message was left on my voicemail from a man named XXXX XXXX XXXX unknown representative who has never spoken to me about my case. XXXX stated he received the email I sent to XXXX XXXX and requested I call back. 

XX/XX/XXXX XXXX Called XXXX XXXX back as requested, no answer on his phone line. Left a short message explaining I needed a call back immediately and that I had been attempting to reach my account manager for more than 24 hours. 

XX/XX/XXXXXXXX Phone call was returned by XXXX XXXX XXXX stated over the phone that XXXX XXXX was out of the office and that he was supervising XXXX XXXX XXXX emails while XXXX XXXX was away. I began explaining about the financial hardship suffered through the hurricane and stated I needed a one-time extension or different arrangement only for the payment due in XXXX ( I had missed an entire week of work, we had no power for days, and our emergency funds were depleted on gas and other supplies through the storm ). XXXX XXXX TOLD me, not asked me, that our area of XXXX was not affected at all by the storm and that the payment had already been put into the system for processing. I argued that I have not had any issue making payments up until now and that I was not asking for the payment to be waived, just extended, so I could feed my son and keep gas in my car to go to work. I was harassed by XXXX XXXX stating that I had already agreed to make these payments and that {$XXXX} was " not a big deal '' and " you should be able to do just fine without {$XXXX} '', also had comments made to me like " my grandma lives in XXXX and she was perfectly fine ... your area was n't hit at all by the storm or affected at all '' ( we had record flooding, some areas are still working on getting power back, and those of us who work contract jobs had no way to even earn money while offices were closed and we were trapped by the water ). I told him that XXXX XXXX assured me when I made this arrangement that if I needed to call him with an issue that I could, to which I was answered with rude sarcastic remarks ( " XXXX XXXX is entitled to have a life outside of this office and too bad if he is n't here, and I do n't know who originally agreed to only let you pay {$XXXX} a month but that is a ridiculously low amount to be paying '' ). He then asserted that he works for attorneys and that they could have my license suspended and/or have me jailed for not honoring these payment arrangements, or they could sue me if I refused to pay. Even after I tried to explain that this was the only money I had to feed my child and put gas in my car for work, he refused to negotiate any other arrangement and continued cutting me off telling me that my area was not affected at all and that we had not problems whatsoever with our power and banking systems here. I asked to speak to someone else and he refused to allow me to speak with anyone else in his office, declaring that there was no one else there to speak to and they would n't help me anyway. I told him to have XXXX XXXX call me and hung up the phone. I was shaking, in tears, panicking about what to do because he not only would not accommodate a one-time request to simply extend the due date ( I never asked to defer it or waive the payment requirement for the month, just simply give me a couple more weeks to get another regular paycheck in ), and now am faced with even deeper financial struggle because this person refused to work with me in any way on the debt arrangement I made with Oracle.