Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
Your assistance and attention to detail is greatly appreciated. 

For the past several months I have tried in Good Faith to reason and work amicably with XXXX XXXX XXXX XXXX 

1. By providing important information pertaining to my financial situation and the possible domino effect it might create with XXXX XXXX ( my account was current wXXXX XXXX ) 2. Reason : The accounts with my financial institution were compromised.

3. During this same time frame and/or period, I was diligently applying for a Cash-Out on my property to pay off ALL my debt, including XXXX XXXX  to my surprise I was short by 3 credit points in reaching my loan approval.

4. For these reasons I was denied/disapproved for a loan, due to XXXX XXXX  XXXX  , XXXX., erroneously reporting misinformation to the credit bureaus putting me in an uncomfortable position, since then I was told by XXXX XXXX XXXX XXXX XXXX XXXX representative it has been corrected, it is a little to late and damage has been done. 
5. It has been very clear to say that I am willing to work XXXX XXXX XXXXXXXX, XXXX. even under the stress, bureaucracy cause by them with the unprofessionalism, non-existing customer service ethics, some of us do try to build dialogue, transparency and not run away from our obligations, especially working in good faith with all parties involve.

6. In attempting to explain my uncomfortable, unwarranted financial issues, I came across numerous customer service, non-professional individuals with negative customer service ethics, and my personal concerns were falling on deaf ears. 
7. After numerous times of contacting XXXX XXXX XXXXXXXX. XXXX. I requested multiple times to speak to a supervisor and/or manager to be told none were, and/or was available. 
8. In good faith I have been responding to XXXX XXXX  texts, emails upon receiving notices. Additionally, follow-up phone calls received from XXXX XXXX. 
9. Note : I have made it very clear I have No problems continuing to pay what I owe. 
10. My proposal has been, since you ( XXXX XXXX XXXX XXXX ) made the mistake in reporting me erroneously to the credit bureaus, you ( NOW ) can consolidate my loans/debts an amount that does not exceed {$8500.00} plus whatever my current balance is at this time, with XXXX XXXX XXXXXXXX XXXX XXXX and with a reasonable percentage rate. My original loan amount between XXXX accounts was approximately {$22000.00}, if all parties agree the total loan amount including XXXX XXXX XXXXXXXX XXXX should be less than {$20000.00}. 
11. Upon agreeing to these terms and conditions I am willing and able to resume payments XX/XX/year> while and during credit scores increase making me eligible once again and/or soon enough to apply for a cash-out using my home for collateral, making me eligible and able for a home loan consolidation in paying off debts and home improvements. 

12. In addition to All the above mentioned, XXXX XXXX XXXXXXXX XXXX, Customer Services Representatives ( some ) with their so call legal law technically responses, that the reporting was legal, legit and correct because they have a legal right of reporting to All credit bureaus. I agree 1,000 % that if the reporting is legit and correct, naturally it is legal and/or required by law to report it.

13. On the other hand, if you submit and/or report erroneous information then and ONLY then you need to take a positive, proactive approach in resolving said issues, promptly. Thats when a Manager/Supervisor could and should step into finding an amicable solution and not be told manager/supervisors are not available and/or non-existent.

14. Lastly, if you want to get technical concerning collection rules, please refer to CFPB, Consumer Financial Protection Bureau, ( cfpb.gov ) A. Calling more than seven ( 7 ) times within a s
even-day period, or within seven days after engaging in a phone conversation concerning debt, and calling before XXXX, everyday even on weekends.

Company response to consumer: Closed with explanation