Consumer complaint received 2017-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I ended up in a financial bind due to having too many of these loans. It got to the point where I could n't afford to pay the twice a month payments. It overwhelmed my income. I was n't able to acquire a consolidation loan to pay them all off due to high debt to income ratios and FICO scores being too low. Instead I had to hire a pay day loan debt relief company to help me manage and payoff these debts. Check  N G o 's corporate office signed an agreement with   XXXX   XXXX   XXXX   XXXX   XXXX   to deal directly with them, which included a cease and desist agreement, meaning they were not to call or contact me at all. On Friday,   XX/XX/XXXX  I g ot a call from  XXXX  in collections on my work phone, and simultaneously a robo call from them was coming in on my cell phone. So they decided to do double duty in an attempt to irritate or scare me. Irritate I do easily scare I do n't. I jotted down her name and phone number requesti ng 5  mins. to call her back. It took more than  5  mins. for me to get her on the phone as the reps stalled in every way they could, claiming they had to verify me etc., kept repeating that it was an attempt to collect a debt and so on until I screamed at the guy and told him to quit wasting my time and get me to  XXXX !  XXXX  got on the line repeating the same debt collection messa ge I 'd alre ady heard 4 times prior to getting her on the phone. I forced her to get past that, that 's the reason the convo became heated. I accused her of lying and she was, stating she knew nothing about the cease and desist and   XXXX   XXXX     XXXX   XXXX   workout that corporate is obviously the only one 's that take care of. I told her not to call me at work again, and to go to corporate and figure out why they did n't let collections in on what is going on. She proceeded to insist she knew nothing about it, I insisted she was lying and eventually disconnected the call. I immediately called   XXXX   XXXX   XXXX      XXXX   and told them of the issue. They said they would get the dept. that handles creditor communications on the phone with them the same day. The next day an email was in my inbox with them trying to coerce me into making a payment. I blocked the email and prior to that sent them a message not to call, mail or email me again. They are to work with   XXXX   XXXX   XXXX   or I can file bankruptcy. If I have to file bankruptcy everyone loses. I refuse to have them force me into bankruptcy and will utilize those legal agreements they signed in a court of law if need be. They are not going to w in this one. The  only way they can get paid is by dealing with the debt relief co. I have other creditors they are dealing with too and they 're cooperating, not calling me. In fact one already signed an agreement of settlement and has received their first payment! If Ch eck N Go  thinks by harassing me that 's going to scare me into paying them they are wrong! My strongest suggestion is they back off and work with   XXXX   XXXX   XXXX   and let 's get this process moving and them eventually paid off. Otherwise bankruptcy will be it, the debt will be fully written off or the court will decide what and when they get paid. Their choice not mine. Something or nothing, that 's my attitude! They will not be successful in harassing me that 's for sure.

Company response to consumer: Closed with explanation