Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Americor Funding, LLC
State: KS

Complaint narrative:
XXXXI called Credit9 to inform them I wouldn't be able to make the upcoming payment on XX/XX/XXXX due to extreme financial hardship. Talked to XXXX XXXX at ext. XXXX and I was given options that didn't help my financial situation. He accused me that I was asking for money in a condescending tone. I told him I wasn't sure when I was going to be able to pay it. After the call, he sent me an email telling me to follow up with my " outstanding '' loan account. 
XXXXGot another call and mentioned extreme financial hardship. Received another email from XXXX talking about payment options that didn't help my situation. 
XXXX another call and talked about extreme financial hardship. 
XXXX another call and talked about extreme financial hardship. 
XXXXReceived an email from XXXX XXXX at ext XXXX XXXX about my past due account. 
XXXX another call and talked about extreme financial hardship. 
XXXX another call and talked about extreme financial hardship. 
XXXX another call and talked about extreme financial hardship. 
XXXX another call and talked about extreme financial hardship. 
XXXX a call from Credit9 that was under Americor 's phone number ( XXXX ). Talked about extreme financial hardship. 
XXXX ( 1st Call ) Got another call and out of curiosity, I asked how many times has my extreme financial hardship been noted in their system out of the 9 phone calls that were made since XX/XX/XXXX. I was told that out of the 9 phone calls, my extreme financial hardship was only notated 2 times, both of which occurred in XXXX. At that point, I requested to speak to a supervisor and file a complaint. ( 1st Complaint ) XXXX ( 2nd Call ) The phone rang for literally half a second and hung up before I got the opportunity to answer. 
XXXXGot another call and told them that I can't do the payment. I started talking about my complaint request when they hung up on me mid-sentence. 
XXXXIn good faith, I sent a certified letter ( 1st Time ) requesting documentation of the phone calls and transcripts that they didn't receive until XX/XX/XXXX. 
XXXXGot another call and talked about extreme financial hardship. 
XXXX ( 1st Call ) Got another call and mentioned both about my extreme financial hardship and the 1st complaint from XXXX. They requested a supervisor to talk to me. ( 2nd Complaint ) XXXX ( 2nd Call ) Got a call an hour later from Credit9 asking for my name. They immediately hung up on me after confirmation. 
XXXX another call and talked about extreme financial hardship. 
XXXX sent another letter ( 2nd Time ) requesting the same documentation as the last time ( XXXX ). 
XXXX another call and talked about extreme financial hardship. 
XXXX another call and I mentioned my extreme financial hardship. It was at this time that they mentioned a " loan modification '', which was the first time I ever heard of it. I talked about the 1st & 2nd complaints and the caller tried to come up with excuses for both in regards to why the supervisors never got back to me. I also talked about the previous documentation request letters that I sent ( XXXX & XX/XX/XXXX ) and she believed that Credit9 " Wouldn't give that to me. '' I mentioned possible FDCPA violations and requested a supervisor to file another complaint. ( 3rd Complaint ) XXXX sent yet another letter ( 3rd Time ) requesting the same documents, recordings, and all copies of the complaints I requested to be filed. 
XXXXGot another call and talked about extreme financial hardship and my 3rd complaint. 
As of today ( XXXX ), this debt hasn't been reported to the Credit Bureaus and was last updated on XXXX in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation