Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Larry H. Miller Group of Companies
State: WI

Complaint narrative:
I'm behind on my truck payment because my former employer has illegally withheld wages, which I've already submitted a complaint through the XXXX of Wisconsin to recoup the unpaid wages. 

However, various members of XXXX XXXX keep harassing me regularly despite having told them to stop harassing me. 

XXXX  emails started on XX/XX/XXXX and I was trying to work with them. I deleted a couple in XXXX out of frustration, but it started getting worse when I had received an email from an email from XXXX XXXX on XX/XX/XXXX at XXXX that he's been trying to reach me and has several options to get me on track. When I emailed them back, I received an email that they can not approve any payment plans and I needed to pay my past due balance immediately. I believe this was a ploy to get me to respond as I had blocked their phone number because they were constantly calling me. 

Then XXXX XXXX replies back on XX/XX/XXXX at XXXX stating I need to make a payment in full and they can not offer me any assistance. I ignored his email as I was beyond frustrated, but then I'm emailed again on XX/XX/XXXX at XXXX by XXXX XXXX XXXX she needs an immediate response. She also wrote, " If you need help to secure your payment, or if youd like to review what options your account qualifies for, contact us as soon as you receive this message today. '' I responded back at XXXX, that I'm done talking after the way XXXX XXXX to me. 

I then receive a response from XXXX XXXX at XXXX stating that I signed a contract to pay {$690.00} and due by the XXXX of every month and wants a reason why I'm behind on payments. He says he's there to assist, but can't understand why I can't make a payment. 

I responded back at XXXX stating my reason, that I haven't been getting paid at my new job, etc. 

Then XXXX XXXX responds back on XX/XX/XXXX at XXXX stating he can't approve any arrangements. 

I told XXXX I can not pay and he threatened with reporting negative information to credit bureaus, as if that's going to help money appear in my account. At XXXX, I responded back to stop contacting me they're not going to work with me and to stop harassing me. 

I then received an email from XXXX XXXX on XX/XX/XXXX at XXXX apologizing for my negative experience on my complaint of being harassed. 

Then I receive an email on XX/XX/XXXX at XXXX stating my account is moving forward in the collection process and asking what my plans are. XXXX XXXX XXXX wants me to respond or call their office today. 

She sends another mail on XX/XX/XXXX at XXXX wanting to know when I'm going to pay the past due. 

I responded on XX/XX/XXXX at XXXX with the following : " Why do you guys continue to harass me?! Ive stated numerous times to stop harassing and yet you still continue to do so, in clear violation of my rights through the Federal Trade Commission. And no matter what I say, youll XXXX back with how the amount I say isnt good enough and you demand I pay immediately because XXXX past due like XXXX already dont know this and stressing out. My former employer ripped me off {$1500.00} ; anything you can do about that?! Didnt think so. So, now I have to wait XXXX weeks before I can make a payment and by XX/XX/XXXX, I should be within XXXX payment behind and fully paid up in XXXX. I honestly dont want to hear about how this isnt good enough because XXXX just block you and submit a XXXX FTC complaint for harassment! '' XXXX XXXX XXXX responds back on XX/XX/XXXX at XXXX stating she will note the account and that nest stage is filing a motion for relief with the court and that I've only made XXXX payment. She also wrote, " Our office would love to continue working with you and get this back on track. '' considering they have never worked with me and refuse to do so. 

I then sent the following on XX/XX/XXXX at XXXX : " Working with me?! All you guys have done is berate me, belittle me and demand payment. I understand Ive only made XXXX payment, but what would you do if your employer shorted you {$1500.00} in 1 month unexpectedly and you have rent to pay and need to pay utilities without getting shut off and needing food to survive?! Absolutely nothing I can do about getting shorted, at least in the short term. But I got a good job now but its going to take weeks of regular paychecks to start getting back on track. 
Like I said, I can pay around {$1600.00} in XXXX ( maybe {$2000.00} ) at least another {$1600.00} in XXXX. I just need time as my new paychecks come in. '' I received no response. 

Then today, XX/XX/XXXX at XXXX I received another email from XXXX XXXX XXXX XXXX the following : " Today is the last day to resolve your account before the collection process moves forward. A payment must be received by XXXX PM today ( XX/XX/year> ) meet the XXXX deadline and efforts to prevent your account from moving further into collections. Please respond immediately if you plan to make a payment. Thank you! " We are a debt collector attempting to collect a consumer debt and any information will be used for that purpose. '' I replied back at XXXX with the following : " Do you guys even read?!?! 

STOP XXXX  ME!!!!! ''

Company response to consumer: Closed with explanation