Consumer complaint received 2026-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services
State: CO

Complaint narrative:
Hi there, I am turning to anyone who will listen to this violation. I have been working with a loan company called Lendmark. Back in XXXX of XXXX I received a call from a branch manager named XXXX. She advertised to me that XXXX was their " Customer Appreciation Month '' and that they could get us {$1000.00} cash out for XXXX. We only had to do one thing. Make a payment to our current loan with them. I responded stating " let me speak to my wife if we want to do this. I'll call you back. '' My wife agreed, I called them back and spoke to a XXXX sales rep at the time. I was told that XXXX we the customer appreciation month. Not XXXX. I asked why XXXX would tell me lie to me like that. XXXX told me that a lot of customers have been reporting XXXX for misrepresenting and deceptive practice. It is to get you to make payments on your loan. XXXX told me she is leaving the office as she wants nothing more to do with this branch manager. Fast forward to XX/XX/XXXX. I start to receive a call a day for a payment to our loan from a rep named XXXX. This rep started asking very personal questions about our lives and why we weren't paying our loan. I told them that our car broke down and we were having financial issues. He proceeded to call over 7 times that week to ask the same questions as to why we aren't paying. I eventually denied their calls it got so bad. We made our payment as normal later that week. Fast forward again, I am working with the branch manager XXXX, again. I am trying to apply for an auto loan. XXXX tells me that XX/XX/XXXX is customer appreciation month again. She tells me she can get me a lot more on an auto loan since we are " in good standing '' then proceeds to tell us she can get us approved instantly. She fills out the application with my name on it. Submits it then the next day tells me we need a buyers order. I get that, then tells me we need proof of insurance, I get that. Then tells me we need to put 10 % of the loan as a down payment just before submitting it. She did not address all of this at the beginning of the conversation. Only at the end. I get all that she has needed and send it to her in an email. Which she didn't respond to once. She tells me she submitted it and we should be approved for this soon. I get a call back Monday XX/XX/XXXX telling me I'm denied because of their risk factor. So I wasted 4 days being told I'm going to be approved just to be told I'm denied. Now XX/XX/XXXX I receive a call from a XXXX from that office asking when I'm making a payment. I told them we just paid XXXX and we will be paying XXXX within the XXXX XXXX weeks of XXXX. Her response is " Welp, I guess we shall just keep calling you until a plan is made. '' I feel this is major harassment, combined with deceptive practice, combined with violation of the FDCPA act under Article section 806 for harassment and abuse. Lastly, I have some recorded calls that I had to record myself due to this loan company not having recorded calling themselves.

Company response to consumer: Closed with explanation