Date Received: 2017-05-03T00:00:00
Product: Payday loan debt
Issue: False statements or representation
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I filed a report with CFPB after Americans Credit Financial threatened a lawsuit claiming I was committing fraud by not paying when they had my card number and were supposed to be taking out monthly payments and failed to do so. They finally ran the card number on file in XXXX after repeatedly claiming it was invalid and found that it was valid just like I ‘d been telling them. I told them I would be able to pay the entire debt on XXXX XXXX and instructed them to take out the full amount because I was beyond frustrated dealing with the constant level of XXXX they were causing by not handling the case professionally. Because I still did n’t trust them to actually take the money, or make any kind of record indicating that my card number had been valid the whole time, I filed the first complaint with CFPB. Which brings me to this complaint. XXXX XXXX came and went with no payment or communication. The following business day came and went with no payment or communication. So my husband called on XXXX XXXX because he was off work and told them to take the payment. They said they could n’t because it had gone to legal and that was it. So I had to take a break at work to call and tell them they needed to let me pay off my balance. They said it was no longer in their hands and hung up on me. So I called back and said this is the reason I have a problem with your company, you say you ‘re going to take my payment and do n’t. She said it was my fault because I ‘d gone and filed complaints against their company and if I wanted to pay off my debt I ‘d have to ” figure it out ” myself just like I ‘d figured out how to ” contact the blogs. ” I assume by blog she meant CFPB. I said if you hade done your job I would n’t have complained. She said I should have called them. So, was I supposed to trust them to do their job or keep calling to make sure — because those XXXX things to me seem contradictory, and they seemed to expect me to take them at their word every time they said they ‘d do something — like take a payment even though they ‘d failed to do that for months. I ‘m working multiple jobs to get back on my feet. I already deal with constant XXXX and XXXX on a daily basis and to add this company to the mix has been XXXX for months and I just want the debt paid and this over with. I ‘m so beyond my tipping point I ca n’t breathe. When they gave me the runaround before agreeing to my final payment last week, I was tempted to sue because of their treatment of my account, and their actions causing the threading voicemail left on my husband ‘s phone. Not because I do n’t want to pay, but because of the insane level of XXXX I ‘ve had since we began dealing with them. I called in XXXX to address what had happened with my payment and they failed to do what they said. I really do n’t want to bother with further action because I do n’t have the time, money, or energy to continue dealing with this, but every time I turn around, it ‘s even more ridiculous.
Company: American Credit Financial
State/Zip: OH 456XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2474193
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.