LENDMARK FINANCIAL SERVICES

2019-11-10

Laurel, MD

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with explanation

Timely Response

2019-11-07

Main Office, VA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Investigation took more than 30 days
Company Response: Closed with explanation

Timely Response

2019-11-05

Tucson, AZ

Incorrect information on your report

Payday loan, title loan, or personal loan: Personal line of credit

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2019-11-05

Conyers, GA

Struggling to pay your loan

Payday loan, title loan, or personal loan: Title loan

Company Response: Closed with explanation

Timely Response

2019-11-04

Charlotte, NC

Problem with a credit reporting company's investigation into an existing problem

Payday loan, title loan, or personal loan: Personal line of credit

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-10-28

Droop, WV

Problem when making payments

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with explanation

Timely Response

2019-10-28

Cockeysville, MD

Took or threatened to take negative or legal action

Debt collection: Other debt

Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation

Timely Response

2019-10-24

Glenarden, MD

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-10-22

Bakersfield, CA

Problem with a credit reporting company's investigation into an existing problem

Vehicle loan or lease: Loan

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-10-15

Patterson, MD

Problem when making payments

Payday loan, title loan, or personal loan: Installment loan

Complaint: My name is XXXX XXXX and I am having problems with Lendmark Financial Services. I was summons to go to court and my attorney requested information from XXXX attorney for which they could not produce so the courts recommended they settle the account with us. The information was given to the XXXX attorney and they still have not contact my attorney and this is getting to be absolutely ridiculous. Also if my attorney was unable to obtain the proper information directly from their attorney how are the bureaus getting information?
Company Response: Closed with explanation

Timely Response

2019-10-15

KY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Complaint: I took a mortgage loan out in 2009 and the company was bought by three other loan companys. I had expectional payment history until my mining job shut down. However, my credit score is suffering because even though the two other companies shut down and the third company took it over, I still have it in my credit from all three companies as if it is three different accounts, even having different account numbers. I have filed a dispute to have these other two companies to delete the duplicate negatively reported information and they fail to do so.
Company Response: Closed with explanation

Timely Response

2019-10-08

Garrett Park, MD

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Complaint: On XX/XX/2016 I took a personal loan with Lendmark Financial Services in XXXX VA for {$2500.00}. The loan was for 36 months at {$150.00} a month payment. I have never miss a single month payment, I only have 1 or 2 at most 3/4 days late payment that I call them in advance for. I was told by the Virginia office representatives that as long as the late payment is less than 8 days I will not be charged late fee. I also changed my due date from the XXXX of the month to the XXXX and I was told that I will not be charged a fee or interests. I was told many times that my last payment date is XX/XX/XXXX. All of a sudden theres a {$250.00} extra in my loan that they can not explain, even the Virginia agent was surprise and confused about the extra fee. The Virginia agent called and tried to explain the extra {$250.00} but he could not clearly articulate why theres an extra {$250.00} on a loan that supposed to have only {$150.00} balance.
Company Response: Closed with explanation

Timely Response

2019-10-01

Chester, VA

Problem when making payments

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with explanation

Timely Response

2019-10-01

Dale City, VA

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with explanation

Timely Response

2019-09-30

Warrenton, VA

Took or threatened to take negative or legal action

Debt collection: Other debt

Sued you without properly notifying you of lawsuit
Complaint: I took out a loan for {$3100.00} in XXXX XX/XX//2017. I have been taken to court for {$280.00} late fee. Threaten to take to court for {$70.00} partial payment. Lendmark Financial Services is threatening court and taking folks money not even 30 days late. This company uses employees to go to court as attorney, an abuse of the law. This company needs a audit of their practice and tactics to strong arm. I have had my account t number changed two times and concerned that this company just wants to take folks to court. My debt is monthly {$140.00} and this debt should have been marked paid in full The interest rates over usury laws in Va and so forth. The number of complaints and threats of court and the account is not over 30 days late is abusive practices in lending to consumers. Finance charges are high and this company is a threat to consumers. Please send in testers. Lendmark Office that is abusive XXXX XXXX XXXX XXXX, XXXX, VA XXXX.
Company Response: Closed with explanation

Timely Response

2019-09-30

Chino, CA

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Title loan

Company Response: Closed with explanation

Timely Response

2019-09-26

MD

Problem when making payments

Payday loan, title loan, or personal loan: Installment loan

Complaint: On XX/XX/XXXX I spoke with a Mr. XXXX XXXX about my inability to pay being that i was unemployed at that time. He informed me that i could have the XXXX payment waived by going on a payment plan that would push my account out to XX/XX/XXXX. When The XXXX came around i had just began back working starting XX/XX/XXXX. Being that i was unemployed for a total of 6 months, I also had other bills ( Carnote, Insurance, childcare, ect. ) that i had to take care of or else i wouldve continued to be unemployed without the proper means to get to work. Starting XX/XX/XXXX and almost every day there after i would recieve at least 6 live phone calls a day from Their Place of business LENDMARK FINACIAL SERVICES Located in XXXX, MD XXXX. It didnt really bother me until Yester day XX/XX/XXXX, I received a phone call from an unknown number not saved in my phone. Turns out it was the Branch manger, Mrs. XXXX XXXX Contacting Me Using HER PERSONAL PHONE, Once I identified my self, mrs. XXXX preceeded to tell me that i was past due, which i was aware of and explained to her that i can not send what i dont have and that i was working on trying to fulfil my balance. She then threatened that she would foward my file to an attorney that would then move foward with garnishing 25 % of my wages and then hung up the phone. I called her back to ask what other options did I have because i was planning on making a payment today XX/XX/XXXX, in which i did in the amount of {$200.00}. She then preceeded to tell me that i was behind 2 payments as if to say she did not believe i was activley trying to fulfill my my balance or would be able to. I feel this was a form of harrasment because I recieved i high influx of calls from the company while at work with patients and then to have a Manager use her personal phone to contact me was just mind blowing. I understand there was a job to be done which was getting in contact with me, however it was done incorrectly and Unprofessionally.
Company Response: Closed with explanation

Timely Response

2019-09-25

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem related to refinancing
Company Response: Closed with explanation

Timely Response

2019-09-24

NC

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: HIS IS NNOT A DUPLICATE. I reported fraud and identity theft since XXXX to all credit reporting agencies and XX/XX/XXXX I pulled my credit reports dude to being denied a loan. Lendmark financial Services # XXXX XXXX Georgia placed a hard inquiry of ON XXXX XXXX XXXX On my XX/XX/XXXX XXXX credit report I recently received it is entered and recorded a hard inquiry that impacted my credit. Lendmark Financial Services # XXXX XXXX XXXX XXXX XXXX XXXX Georgia. XXXX XXXX Date of XXXX XXXX XXXX As per attached screenshots. I did not authorize Lendmark financial to do this inquiry. I want Lendmark financial to disclose this hard inquiry of XXXX XXXX XXXX when I did not apply for credit or a loan on this date. I request production of the documents relating to this hard inquiry asap to me only XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX the names of the person address and phone numbers ip address and email and etc used to obtain credit in my names. Thank you Lendmark financial Hopefully you can find my hard inquiry info this time as your company has denied this to to you could not identify the info
Company Response: Closed with explanation

Timely Response

2019-09-20

Ruskin, FL

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2019-09-19

PA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: LENDMARK FINANCIAL SVCS is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Company Response: Closed with explanation

Timely Response

2019-09-17

GA

Communication tactics

Debt collection: Auto debt

You told them to stop contacting you, but they keep trying
Complaint: This debt collector has called my job over 20 time. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are just some of the days I have written down.I have asked them and told them to stop calling my job in concerns to this matter and to call my personal number instead. Her name is XXXX and she has cures out my boss when she asked her to stop. My boss is now taking lawful action.
Company Response: Closed with explanation

Timely Response

2019-09-10

CO

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: Monthly payments are being made to Lenmark Financial @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I understand they are coming in late, this is no excuse. They have not been more then 30 days past due. The issue is that I get repeated phone calls from an employee by the name of XXXX. He leaves voicemails that are threatening collection tactics. I spoke to a manager months ago about an extension after the payment was made. Never went through. I make my payment each month, again I fully understand that its late I try my best not to go over 30 days ( which I have never done ). I do not want this type of employee calling me in this manner ever again. Voicemail of last message is attached.
Company Response: Closed with explanation

Timely Response

2019-09-09

Ridley Park, PA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with the interest rate
Complaint: I purchased a XXXX XXXX XXXX in XX/XX/XXXX and it was the first vehicle I received a loan for having purchased my previous cars in cash in full. At the time, my credit score was about a 670 and I was told by the dealership ( XXXX XXXX ) that I was being denied by lenders due to me not having a car loan on my credit report already and that despite my credit score not being bad, they denied me. It became a situation where as a single mother I felt hopeless and needed to purchase a vehicle to get back to work. I asked the dealer what options I have. He started out saying maybe instead of putting {$2000.00} down, the lenders would work with me if I put more down. After offering to put {$5000.00} down, the salesman said the lenders still denied me and he would reach out to one last financial institution ( which all of this could've been a scam between the two companies ). When speaking of purchasing the car, the salesman figured that my monthly payments would be around {$150.00} a month since I was only getting about a {$7300.00} loan, offering a sizeable down payment. He told me he would call me when the lender ( Lendmark Financial ) got back to him ( which may have been to discuss how to XXXX me even more and take advantage ). I received a call about an hour later saying there was good news and they would give me the loan. The following day, I went to Lendmark Financial to receive the loan and go back to XXXX to close the deal. Lendmark not only pushed a 60 month payment structure onto me, knowing I wanted 72, but they added on additional products, such as roadside assistance that they made to seem were a requirement and I'm pretty sure they are not and I already have coverage through my insurance carrier. By the time I was done, my payments were figured to be {$310.00} ( more than double of what I expected ) for 60 months, with an interest rate through the roof. For a {$7300.00} loan, Lendmark will receive {$18000.00} from me over 5 years, which is insane and outrageous. I tried to resolve the issue right there in person, but they made it seem as though if I did not sign the paperwork and listen to them, I would not receive my loan that I needed to get to work after my prior car was totaled. No one believes me when I tell them how high my payments are for such a small loan. My credit was not even poor at the time, they just told me my interest rate would be so high because I never had a car loan before which sounds like a load of lies to me. I made a desperate purchase being a single mother that has a long term negative impact on my entire life and would not recommend other people use their services. It seems predatory and should be illegal if it is not. I can send copies of any of the paperwork, if need be. I will voice my opinions about them on social media and other forms of outlets in order to help consumers in the area learn of the dangers of working with them and avoid being taken advantage of. Thank you.
Company Response: Closed with explanation

Timely Response

2019-08-27

Columbia, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Closed with explanation

Timely Response