Consumer complaint received 2021-12-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Friendly Finance Corporation (MD)

I purchase my used vehicle on XX/XX/XXXX from XXXX XXXX and was told that Friendly Finance Corporation would be my lender and your monthly payments is based on your income so your monthly payments will be {$390.00}. Which I requested that I stayed under the {$300.00} mark but was told that was the best they could do, I agreed to the charges believing what I was told on or Around XX/XX/XXXX I received a call from Friendly Finance Account Specialist telling me she was calling to verify my information and setup my account so that I can make my monthly payments she stated there was some inconsistences in verifying my income how much do you make. I responded about XXXX yearly a little more or less and she says okay well if that is the case then you qualify for lower payments go back to the dealer and tell them to do your calculations over numbers are wrong, I go back dealer ask who I talked to XXXX XXXX contact Friendly Finance and spoke with them and somehow everyone was fine and the information given me was wrong the young lady was a new employee she misunderstood the reported income everything is okay now. The following year in XX/XX/XXXX I pull my credit report on-line and see that friendly finance is reporting my income at XXXX a year so I call them they deny and says XXXX, XXXX or whoever is mistaking because we do not report income. I asked based on my income do I qualify for lower payment she states your monthly payments are correct. Since then, throughout the years, I have been making payments of {$440.00} to {$450.00} having to deal with unfair add on fees for when my account goes pass due, lies about the months I actually owe for a represented spoke to me in XX/XX/XXXX. I received a letter stating I owe {$1300.00} I question why and denied that I even owed it. they explain with much confusion one representative after the other the supervisor explains and apologized for the confusion, I accepted knowing that she was not telling the truth about what I owed but decided I was going to request to speak to someone over management she refused to give that information stating, " this is a very small business. I made payment arrangements with the account specialist she stated the last payment you made in XXXX XXXX {$450.00} dollars was for XXXX payment so your next payment will be for XXXX payment I agreed to disagree and made payment of {$800.00} on XXXX XXXX which supposed to cover XXXX and XXXX payments and then on XXXX XXXX {$440.00} was collected for XXXX payment. and now on this day XX/XX/XXXX corrupt and crooked charges come knocking again telling me I owe for the month of XXXX and XXXX and when I question them about the letter, they sent me in XXXX requesting the dollar about of {$1300.00}. she asks me what months were covered in the letter I stated that's what you should be telling me. she tries to throw a bunch of confusion out and get upset when I slow, her down by asking question about dates and payments that were made she told me that payment for XXXX was return and was not made until the XXXX which means I only owe them for XXXX she realized that and started trying to deflect stating I am not understanding yelling I well have to have my manager call you back because I will not be doing this with you today. I responded I am not misunderstanding anything your acting crazy because I am asking for clarity and once you realized the payment for XXXX was paid in XXXX now you want to act like you are looking for clarity on rather that was XXXX payment just stop, I see now when I speak with Friendly Finance, I have to record every conversation because this happen too often. she then yells again listen I am going to have my manager call you. And then what, I asked. who manages the manager, and she says, " I will let her tell you that '', I respond, " Okay that's what I thought you would say? However Friendly Finance is bad news taking advantage of consumers they are unprofessional crooked and corrupt corporation that needs to be audit by the government to check for unfair and corrupt bookkeeping and accounts because if they have done this to me, I am sure the government would fine other interesting illegal business behavior they reported {$95000.00} yearly verses what I stated and gave as proof of income which was about {$38000.00} yearly to the credit beau