Consumer complaint received 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Skopos Financial, LLC
State: CA

Complaint narrative:
I am a customer of Reprise Financial and have been requesting a loan modification for several months due to a financial crisis caused by an auto accident on XX/XX/year>, in which my vehicle was a total loss and my primary source of income. 

Despite my situation, I have never refused to pay. I made all payments for the XXXX months following the accident and have continued trying to keep my account current. 

I have sent XXXX written communications formally requesting a review or modification of the loan, including XXXX in which I attached a {$5000.00} check from the insurance of the person who hit me ; this check was correctly credited to my account. It was not a personal check. However, the company never officially responded to my letters nor offered a real solution. 

On Monday, XX/XX/XXXX, I made a payment of {$400.00}, and a representative of Reprise Financial informed me that I needed to add {$53.00} the following day for my account to be reviewed for a possible loan modification. It was impossible for me to reach this representative, who has been handling my case since XXXX. I was told he would return my call, but he never did. All calls I made were initiated by me. According to the representative, he had attempted to call me, but I have no record of any incoming calls. 

This had previously occurred in XXXX with a payment of {$740.00}, causing my account to accrue late fees and interest. 

Today, when I finally reached the collections agent handling my account, I was informed that my account did not qualify for a modification, neither now nor in the future. No reason was provided ; I was simply told it depends on the system and that no one could do anything. I want to note that I was never informed that some accounts qualify and others do not for loan modifications. 

This lack of transparency and support has put me in an even more difficult situation : my bank account is currently overdrawn due to the automatic monthly loan payment. Although I indicated on XX/XX/XXXX in a phone call that I did not want this to happen, on XX/XX/XXXX the representative informed me that I should have requested the automatic debit to be canceled XXXX business days in advance, or even on the day of the paymentinformation that was never provided to me before. 

I have demonstrated good faith and willingness to pay, offering {$400.00} per month as a reasonable payment to keep my account current. However, Reprise Financial has shown no willingness to negotiate or provide real alternatives. 

For all of the above reasons, I request the intervention of the CFPB to ensure that Reprise Financial : Reconsiders my loan modification request, as they are currently reviewing another extension, which, as I have mentioned, only delays resolving my account. 

Provides me with a formal written response regarding my situation and the possibility of modification. 

Stops automatic debits until my case has been properly evaluated. 

Allows me to establish a reasonable and sustainable payment plan according to my current financial situation. 

XXXX preference : I am available to provide any additional information. I prefer that any communication, especially by phone, be conducted in Spanish.

Company response to consumer: Closed with explanation