Consumer complaint received 05-03-2017 about Debt collection (Payday loan debt) with American Credit Financial (OH).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I filed a report with CFPB after  Americans Credit Financial threatened a lawsuit claiming I was committing fraud by not paying  when they had my card number and were supposed to be taking out monthly payments and failed to do so. They finally ran the card number on file in  XXXX  after repeatedly claiming it was invalid and found that it was valid just like I 'd been telling them. I told them I would be able to pay the entire debt on  XXXX   XXXX  and instructed them to take out the full amount because I was beyond frustrated dealing with the constant level of   XXXX    they were causing by not handling the case professionally. Because I still did n't trust them to actually take the money, or make any kind of record indicating that my card number had been valid the whole time, I filed the first complaint with CFPB. Which brings me to this complaint.  XXXX   XXXX  came and went with no payment or communication. The following business day came and went with no payment or communication. So my husband called on  XXXX   XXXX  because he was off work and told them to take the payment. They said they could n't because it had gone to legal and that was it. So I had to take a break at work to call and tell them they needed to let me pay off my balance. They said it was no longer in their hands and hung up on me. So I called back and said this is the reason I have a problem with your company, you say you 're going to take my payment and do n't. She said it was my fault because I 'd gone and filed complaints against their company and if I wanted to pay off my debt I 'd have to " figure it out '' myself just like I 'd figured out how to " contact the blogs. '' I assume by blog she meant CFPB. I said if you hade done your job I would n't have complained. She said I should have called them. So, was I supposed to trust them to do their job or keep calling to make sure -- because those  XXXX  things to me seem contradictory, and they seemed to expect me to take them at their word every time they said they 'd do something -- like take a payment even though they 'd failed to do that for months. I 'm working multiple jobs to get back on my feet. I already deal with constant  XXXX  and  XXXX  on a daily basis and to add this company to the mix has been  XXXX  for months and I just want the debt paid and this over with. I 'm so beyond my tipping point I ca n't breathe. When they gave me the runaround before agreeing to my final payment last week, I was tempted to sue because of their treatment of my account, and their actions causing the threading voicemail left on my husband 's phone. Not because I do n't want to pay, but because of the insane level of   XXXX   I 've had since we began dealing with them. I called in  XXXX  to address what had happened with my payment and they failed to do what they said. I really do n't want to bother with further action because I do n't have the time, money, or energy to continue dealing with this, but every time I turn around, it 's even more ridiculous.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation