Consumer complaint received 2024-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Lendmark Financial Services
State: VA

Complaint narrative:
In XX/XX/XXXX I made a payment of {$460.00}. When I attempted to make another payment for for the same amount in XXXX XXXX  the account stated my account was closed. 
I was never informed of such closure by phone, mail, or email. I had to call myself to find out that the account was closed prior to me making my 2 payments in XXXX XXXX 

I called Lendmark on XXXX XXXX XXXX and was informed my account was closed and I was not informed because there was a block on my account due to a previous CFPB complaint. ( This corporate location assumed the loan from a local branch due to CFPB complaints I Filed for being misled, deceptive practices, bribing, and holding me against my will ). 

I spoke with both XXXX XXXX XXXX XXXX XXXX  ( will refer to as " ONE OF THEM '', as it is hard to distinguish their trickery handing the phone off to each other and the same with emails they sent me. 
I was told to make another payment through them over the phone, I paid {$460.00} On XX/XX/XXXX after the {$460.00} I paid on XXXX XXXX XXXX 

We than agreed to a settlement to prevent repossession. One of them did not send me confirmation within the 1-2 hours specified of an agreement being made. 

I called again on XXXX XXXX after 24 hours had passed and finally got the confirmation of the agreement, however it was not what we agreed to. 
This is when I was told that One of them made an error and they had to change the agreement. I asked for escalation. 

I was escalated to XXXX XXXX by phone and email. I informed XXXX of violations of UDAAP and FDCPA violations made over phone and email by both XXXX XXXX XXXX XXXX XXXX 
XXXX  informed me that the original agreement would be stuck to and that I was to cease communication with XXXX XXXX XXXX XXXX XXXX 

I made my payment as normal in XXXX XXXX 
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX and informed one of them ( XXXX XXXX XXXX XXXX XXXX  ) mid to late XXXX of my issues. 

I called first week of XXXX XXXX  and was hung up on 3 times in a row with no human answering. I was attempting to fix payment arrangements. 

Around XX/XX/XXXX I received a letter dated XXXX  that said I needed to make arrangements within 10 days of the letter ( XXXX XXXX 
I called Lendmark on XXXX XXXX XXXX  and was informed the letter was a mistake and a new one would be sent out. I had spoke with one of them ( XXXX XXXX and XXXX XXXX ). 
I attempted to make arrangements with my missed payment for XXXX, I made 2 different offers to one of them and was told they could not guarantee but they would let me know. 

Than come XX/XX/XXXX, I get a new letter dated XX/XX/XXXX saying I need to make arrangements within 10 days of the letter XXXX XXXX XXXX 

I called again today XX/XX/XXXX and left XXXX XXXX a voicemail since the letters come from him. 
I was called back by one of them ( XXXX XXXX and XXXX XXXX ) a short time later asking if I would like to pay. 
I informed him that I was informed by XXXX to stop talking with them, but he continued to verify me and ignored my wish to speak with his superior. 
I was informed by one of them XXXX XXXX XXXX XXXX XXXX XXXX XXXX that " one of my offers was accepted '' and he admitted that nothing was mailed or emailed or called in reference about. 

These 2 employees have treated me unfairly, with deception, and abusive towards the customer. This is on top of the FDCPA violations of Misrepresenting the nature of the debt, including the amount owed; Threatening to do things that cant legally be done or threatening to do things that the debt collector has no intention of doing. deceptive statements. 

I still have not got this resolved and one of them XXXX XXXX and XXXX XXXX stated they would put my account into Repossession status even though I repeatedly requested to speak to XXXX XXXX their superior who sent me the letters and is the XXXX XXXX XXXX  at the corporate location. 

As of this writing XXXX XXXX still has not returned my phone call and neither XXXX XXXX or XXXX XXXX are being honest or helping set up payment arrangements.

Company response to consumer: Closed with explanation