Consumer complaint received 2018-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
XX/XX/2017 To : Manager of Lendmark in XXXX, Ca.

Regarding : Loan Application If I may, Manager of Lendmark in XXXX, Ca. let me paint a picture of several atrocities perpetrated by one of your associates, XXXX XXXX.

I called last Friday ( XX/XX/XXXX ) in the morning about XXXX in hopes of a helping hand and instead Mr. XXXX helped himself. He called me back at XXXX to let me know my loan application ( never filled out or signed a loan application ) had been approved. That in itself was a red flag as I have never done a loan application over the fone before. Im old school, maybe behind in these modern times but Im aware of sharks swimming in shallow waters.

XXXX  got the ball rolling faster than you can say XXXX XXXX. This is where it gets a little hairy and somewhat out of control. One : I asked for XXXX XXXX XXXX loan and he came up with a XXXX XXXX XXXX XXXX ( thats some fone application ) is that why you people do loan applications over the fone? He let me know my credit was decent and he took upon himself to ante up the loan application. Two : We went outside to take pictures of my XXXX XXXX XXXX and he appraised at {$2000.00} (? ) no way, buy it from me. Three : We went back inside the office where he proceeded to ask me about my property. How many TVs do you have? I told him I had a 19 HD flat screen, a 32 and a 27 and he automatically ( without me finishing the sentence ) assumed they were HD flat screens ; they both dont work and are not H Ds. Then he as me if I had any more electronics like a computer, laptop and I told him yes but before I could finish my sentence he also put them down as collateral. He was doing a lot of assuming. My lady friend took them with her when she inherited a house right down the street. It was obvious this guy was in a hurry to close the deal, maybe he had some other XXXX  lined up in sidelines.

All this took about an hour and in that time he never mentioned the interest rate or that these items were to be used as collateral. This is not my first rodeo ; Ive been around the block more than the ice cream man. This guy is a con man, poor excuse for an original gangster. Sometimes when youre trying to be cool, you drool and he was drooling all over the place. I dont want any sharks swimming in my waters. Five : He kept asking me for my routing number to my credit union never telling me why he wanted my routing number. I figured it out while I was driving home thinking about it. One thing is for sure he will never get my routing number. What a XXXX!

Six : He never got the pink slip from me he just wanted to close the deal ( that doesnt even feel right ). Seven : He put a lien on my car before I made could make a payment so I couldnt get my tags. I went to the XXXX DMV, XXXX DMV, and the XXXX XXXX   DMV where they at least told me I had lien on my car, the other two DMVs said I was ineligible. Where does this guy get off so maybe I can meet him there? This is an illegal act on his part.

Now I know I can go certain ways with this matter I have options ) so I need you to reflect on how youre going to correct this loan. The running around for my tags alone warrants some justice. Ill make my payments ( but not at this interest rate ) either by money order or in person. Ill give you my pink slip, BUT I will not give you my routing number. I do hope you can fix this loan because Ive been working hard to make my credit ratings better and now Mr. XXXX XXXX is going to screw it up. I know I signed a contract but I also know you as lenders have some scruples to abide by. Mr. XXXX   obvious hasnt read that book or even a chapter in that book.

In closing, I WILL not deal with XXXX   XXXX  anymore. Also, you signed and approved this loan or did you. If XXXX had anything to do with it maybe you didnt read or see the loan application I would not put it passed him to have done this all on his own.

One XXXX  off customer XXXX XXXX XXXX p.s. I was going to send this to Georgia Headquarter but I thought I should let his matter be settled here in California. If this is going to a burden to you it will definitely be a burden to me. I wonder how many hard working persons have gone through this procedure with XXXX XXXX, it will not happen again not if I can help it.

Company response to consumer: Closed with explanation