Consumer complaint received 2016-09-03
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Great American Finance Co (IL)

i recently had XXXX deaths in my family back to back i lost my dad in XXXX i called GAFCO which is great american finance co and spoke with ba representative by the name of XXXX which i dont no if its her real name or her alias for the company but i explained to her the hardships i had recently went through as well as on top of that my bank account with XXXX bank had been hacked and the bank was returning everything until they were able to figure out whi had hacked into my personal checking account and where i spoke with this representive XXXX around XXXX/XXXX/XXXX or XXXX/XXXX/XXXX and explained to her my whole entire situation she was sympathetic well at less i thought we talked for about 30 minutes or so she stated to me she would wave my nsf fees, late charges etc ; i thanked her over and over again and i did a payment through my saving account through the same bank XXXX bank and dated the payment to be auto drafted on XXXX/XXXX/XXXX for {$100.00} and some change in which they did received and since then i have been harassed with letters through the mail headed notice of pending 30 day delinquency take action today stating my account with great american finance company remains delinquent and soon will become 30days past due if i fail to make a payment and to avoid being reported delinquent to all XXXX major credit bureaus by making my payment today, and it is in my best interest to bring account current now to protect my credit rating and if applicable the same as cash ( zero financing ) option will be void if any installment, or part of any installment, is ( 10 ) or more days delinquent 2 times during the term of the loan stating amount past due is now {$73.00} this letter was dated XXXX/XXXX/XXXX needless to say when i spoke with this XXXX she told me do not worry she had reinstated my account its back same as cash and that i had no worries which again took place between XXXX/XXXX/XXXX or XXXX or XXXX/XXXX/XXXX she also went on to conversate with me about her previously working for same agency i once worked name XXXX and asked me was i still there and that she was there in XXXX i called gafco several times after speaking with this representative to make sure she made the corrective changes to my account and each representative i spoke with all stated my payment posted on XXXX/XXXX/XXXX and they show she put in the system for the fees to be waived she never once stated it had to be submitted for approval or anything told me i was fine did not have anything to worry about then i called to get my payoff balance after my payment cleared my saving account on XXXX/XXXX/XXXX i called around XXXX/XXXX/XXXX asked for payoff amount i was told by representative it was {$960.00} but to wait a few days and call back because the fees had not yet been deducted from my balance and now i being called, left voicemail messages about a past due balance and received a letter and had a representive call my neice XXXX 3 times seconds apart all the same day which was last tuesday XXXX/XXXX/XXXX and also called me i explained to the representative while on my lunch break i did not owe anything my fees per XXXX XXXX was all going to be waived and i gave authorization for a one time payment to be auto drafted from my saving account dated for XXXX/XXXX/XXXX for {$100.00} an it was deducted an now im being told by letter, harassing phone calls several times a day not just to myself but my neice XXXX l as well who i listed as a reference i have screen shots the calls that were made to my neice after she spoke with a rep on XXXX/XXXX/XXXX and explained she is not me and that she was my neice and that she owed them nothing and that she was at work and for them not to call her again and that called her a total of 3 times that day alone with calling me the same day, i feel so mentally drained with all of this she has made me appear as a non payer and i embarassed my neice now knows all my personal business.