Consumer complaint received 2015-08-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PERSIAN ACCEPTANCE CORP (NH)

I entered into a car loan with Persian Acceptance e few months ago- emergencies only. My payments are $ XXXX/week and my 1st payment was due on XXXX XXXX, 2015. My 1st payment was taken off a debit card they had on file, but I could n't make another payment until XX/XX/XXXX/XX/XX/XXXX and then continue on with the regular payments of XXXX/week. When I started my new job, the training portion was not " full time '' and the pay periods are bi-weekly. Well, because I had limited minutes to talk to Persian Acceptance, they went all-out and their main focus was to harass and belittle me- They called the references on my application repeatedly -not just to leave messages for me but they continuously harassed them with multiple daily calls - leaving very detailed messages even told my son I better call them because of the delinquency and car was going to be repossessed, " Does n't your mother need her car? It 's getting picked up, she has until XXXX to call office ''. I am a XXXX year old widow and the loss of my husband was traumatic on my family, my son worries terribly about me and that call crushed him and made him worry even more about me, brings tears to my eyes every time I think of the panic in his voice when he told me of the " pending repo ''. The collector also called my sister in California who has a XXXX and worked out payment terms with her, repeated phone calls back and forth, she has been estranged from me for some time and I certainly was n't giving her any of my financial information, most of my financial/credit issues were caused by her using my identity in California. When the collector called my office, clearly on a recorded line, I told him the call was being recorded and NO WAY I can take the call, he berated me, continue talking on the recorded line, spilling all my financial information, I had to hang up on him and told him not to call my work again, he called me 2 days later at work, I repeated I could n't take the call -he insulted me and I hung up- again told him not to call my job, He called again, the next day- asked for me by my first name only, and the call was sent to the Office Manager, she also has same first name as me, he immediately started dunning her and when she was " confused '' as she does n't have a car loan, he berated her as if she was me, doubting that it was the wrong person, after talking to her for a few minutes and realizing his error, she informed him that I would have to return the call on my own time as not allowed personal calls, that same afternoon - few hours later I was blocked into my parking space in a private lot by their repo agents- I asked the repo crew to leave they said no and told me to " get out of the car ''. I begged them to leave, they refused, I tried to leave and not only did the woman stand in front of the car, she had her son get in front of it too, They threatened that I would be arrested if I did n't get out of the car - they went as far as making a call- and telling the " police '' of the situation. I called Persian Acceptance and told them the repo crew was hassling me and gleefully I was told, " XXXX, your a lot nicer today, L # @!, yesterday you were colder than a XXXX XXXX '' at that point i was {$240.00} past due, and was paying on that Friday, I was instructed that I was a loser working for a XXXX company to get out of the car, i did get out, The repo company was approached by management and told to leave immediately -they refused blocked car. i paid the past due repo fees and a month in advance - they have broken every collection law there is- i filed complaint with XXXX to resolve issues and they retaliated by picking up my car and did not address my dispute-