Consumer complaint received 2024-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Lentegrity Management, LLC
State: AZ

Complaint narrative:
On XX/XX/2024 around XXXX XXXX  I called the company to post date my payment for some time in XXXX. The man that I spoke to refuse to schedule my payment and demanded a payment by the end of XXXX. I explained my hardship and he showed very little empathy. The man kept demanding a payment in full and was asking questions that led to possible repossession and was stating things that I never said such as " So your saying you can't afford these payments? '' The man was very rude and I explained to him I am aware of the consequences for non payment and can't make my payment till XXXX. I did explain to him I plan to catch both payments up. The next day on XXXX  around XXXX, I received an outbound call and I spoke to a woman who just verify me by my name. I explained to her I already talked to them and said I can't make the payment till XXXX. I asked her if they were going to call every day and the woman said yes. Even though they refuse to accept my payment in XXXX. When she called she did not verify my social or date of birth. She only verified by name. I explained to her that I could have been anyone other than the customer and she said that she verified by name and that was sufficient enough. She also did not state the mini XXXX. I do believe with her saying they were going to call every day that is considered harassment when they are refusing to accept and postdate my payment in XXXX. The lady that called me said she was going to transfer me for some reason to her supervisor. I disconnected the call due to my lunch ending as I had to go back to work. I received another call from the company a little past XXXX  and the woman claim she was returning the call per request. I never requested to speak to the supervisor but when the lady called she started asking again about the loan. I did advise her I am working and I can't take the call. She acknowledged that I couldn't take the call but continue to ask about the loan. I informed her the same thing, I asked her to talk to her team member as she is the supervisor and she explained to me she was the team lead, not the supervisor. I did explain to her that I would like her to coach and revisit the phone calls that were discussed as the team member falsified leadership. I did explain to this team lead regarding a cease and desist and she requested it in writing. I also informed her per TCPA law they do not have permission to contact me on my phone. She did provide me with the email address therefore, I sent a cease and desist letter due to the harassing calls continuing and this matter regarding violations. The company has caused me stress regarding the past due balance. Due to the FDCPA I know there are laws regarding verification, mini XXXX to inform me they are collecting a debt and they can not call every day after a party contact when they refuse to make the arrangements where I can post data payment. I have attached a copy of the email I sent for the cease and desist along with a request to submit a complaint.

Company response to consumer: Closed with explanation