Date Received: 2017-07-07T00:00:00
Product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: Was contacted by XXXX XXXX with Chaplain Financial Services who stated that I owed xxx amount of dollars and if I did not set up a payment arrangement or take a settlement offer of a lower amount then they would press charges against me. They also stated if I took the settlement offer then they would need to get my debit card information. The company is based in XXXX, GA but they use an international switchboard so that whatever state you live in is the phone number it will appear to be from. I found this out by calling the XXXX office and questioning why the number appeared to be from my state of residence, needless to say I was rudely hung up on. I had my mom send them an email requesting them not to contact me any further unless they can provide all original documentation of said matter. Also when I asked them to fax me documentation, they responded by saying their fax machine was down but they could email me the information. The only thing XXXX XXXX emailed me was a letter stating that I had paid the debt in full with a settlement agreement and that the matter was considered closed.
Company: Chaplain Financial Services LLC
State/Zip: AR 723XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2568130
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.