LENDMARK FINANCIAL SERVICES

2015-07-24

Hampton, VA

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: Lendmark Financial Services has repeatedly harassed my family and I. They have violated my rights under the FDCPA rules. The following violations have occurred since I requested validation of this debt : The FDCPA considers repeat calls as harassment. [ 15 USC 1692d ] 806 ( 5 ) o Numerous calls have been placed to my phone ( XXXX ) as well as members of my family. Repeatedly call a third party to get your location information. The collector can only contact a third party once unless it has reason to believe the information previously provided is false. [ 15 USC 1692b ] 804 ( 1 ) o A representative went to my mother 's home in a threatening manner and interrogated her about my whereabouts. I have never been out of touch with the office, therefore there was no reason to send a representative to my home. ( XXXX XXXX XXXX, XXXX XXXX, VA XXXX. A collector ca n't continue to collect on a debt after you 've made a written request to verify the debt as long as the request was made within 30 days of the collector 's written notice. [ 15 USC 1692g ] 809 ( b ) o I have repeatedly spoke to representatives that simply ignore my request for validation and continuously ask when I am going to make a payment, request me to enter the office repeatedly, and send letters demanding payment. After receiving your written dispute, the collector must stop collecting on the debt until you have received verification. [ 15 USC 1692g ] 809 ( b ) o I have received numerous calls and written communication during the 30 day time frame, but no validation. Collectors ca n't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector can not or does not intend to take the action. [ 15 USC 1692e ] 807 ( 5 ) o By repeatedly calling and requesting that I return to the office and showing up at my home, Lendmark has left me feeling threatened and stalked. Furthermore, they referred my account to an attorney and filed a Warrant in Debt while failing to provide validation. XXXX Warrants in Debt came to my home in the same 30 day timeframe with different dates, in an attempt to further discredit my name.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-30

Glen Burnie, MD

False statements or representation

Debt collection: Non-federal student loan

Impersonated an attorney or official
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-27

Warwick, MD

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: I purchased furniture from XXXX in the summer of 2014, I was financed through Lend mark financial. When we purchased the furniture the sales rep advised their was a special promotion were no payments needed to be made until 6 months. I was approved.. Not realizing that this was incorrect information, as statements were being mailed to a wrong address that they had on file. I received a statement from a neighbor which stated I was XXXX months behind. I immediately called the number and explained to the representative, that I was not aware of any past due balance. as the representative at XXXX gave wrong information. The sales rep did not have my correct sale phone number or address correct in the computer, as I did not receive any phone calls or statements. By this time the account was in collections, I explained to the rep that I was currently on bed rest and was only receiving 50 % of my income. She stated I needed to bring account current or account would be charged off. I again tried to explain the situation, to no avail they were not able to help until account was current. I than received a letter stating that there would be court date. I advised that I could not attend due to bed rest. They stated they would send me out paper work to sign and return. I advised when I received the paperwork that I did not agree. I received a judgment on my credit and now they are garnishing my wages 25 %.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-17

Baltimore, MD

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-19

Hampton, VA

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: I had XXXX loan agreements with Lendmark Financial in XX/XX/XXXX. I ran into some money issues and both accounts went in default. in early XX/XX/XXXX an judgement was granted in favor of Lendmark Financial and the account was soon charged off. I talked to an Attorney and it was discovered that when the judgement was granted, the account was no longer active. ( In other words the judgement would remain on my credit report for 7 years from that day ). The judgement did indeed stay on credit reports for 7 years and was taken off. However, the items still remain on my credit reports ( all XXXX ). I fell strongly that Lendmark Financial has altered the roll off dates to keep the items on my report. ( the dates do not match on the credit reports ). I have contacted the company and reporting agencies numerous time and nothing was done. To sum it up My complaint is that the judgement was removed after seven years but the charge-offs remained. ( they are offset ) and unfairly doing damage to my credit. I think the charge-offs should be taken off just as the judgments were taken off after 7 years. The judgments actually happened before the charge-offs
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

Briarwood, NY

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-19

Garrison, MD

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-19

Patterson, MD

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-06

Oxford, GA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: This company have put a duplicate accounts on my credit report. XXXX account ( account ending in XXXX ) does not belong to me they are reporting more than 120 days late. I open my account ( account ending in XXXX ) in XXXX 2015 XXXX payment was n't due till XXXX XXXX 2015 so how can I be 120 days late. I have never been late nor miss a payment with this company. I talk to the manager ( XXXX ) at the XXXX Ga. location which she admitted that she was the XXXX made the mistake and that she will fit it but have nothing been done yet... I have made dispute with all XXXX credit report agency cause I am a member with all XXXX but nothing have been done yet. This have made my score drop more than XXXX points and I am in the process of trying to get my house and car refinance for a better rate.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-26

Sebring, FL

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Indicated shouldn't respond to lawsuit
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-20

MD

Improper contact or sharing of info

Debt collection: Other (i.e. phone, health club, etc.)

Contacted employer after asked not to
Complaint: On XXXX XXXX, 2015. I received a call from XXXX XXXX of Lendmark Financial regarding a personal loan debt. XXXX calls my cell phone at least 3 times a day, sometimes back to back. On today when he called me at work, I immediately told him to call me on my cell and when he did he immediately started using an offensive tone and was very rude. He was yelling very loudly. Unfortunately we had a very inappropriate call. He was unprofessional, nasty and very rude and condescending. I have never been harassed like this before in my life.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: No Timely Response

2015-03-10

Fort Myers, FL

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-01-23

Savannah, GA

Taking/threatening an illegal action

Debt collection: Auto

Threatened arrest/jail if do not pay
Company Response: Closed with explanation

Disputed: No Timely Response

2015-01-20

District Heights, MD

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-01-07

Henrico, VA

Charged fees or interest I didn't expect

Consumer Loan: Pawn loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-01-07

Spotsylvania, VA

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2014-12-18

Henrico, VA

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2014-12-02

Marlboro, MD

Taking/threatening an illegal action

Debt collection: Other (i.e. phone, health club, etc.)

Sued w/o proper notification of suit
Company Response: Closed with explanation

Disputed: No Timely Response

2014-11-15

Rocky Ridge, MD

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2014-11-07

Martinsburg, WV

Incorrect information on credit report

Credit reporting:

Public record
Company Response: Closed with explanation

Disputed: No Timely Response

2014-10-28

Wake Forest, NC

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2014-10-16

Owensboro, KY

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2014-10-09

Baileyton, TN

Taking/threatening an illegal action

Debt collection: Other (i.e. phone, health club, etc.)

Seized/Attempted to seize property
Company Response: Closed with explanation

Disputed: No Timely Response

2014-10-09

Bath, SC

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2014-10-03

Saint Marys, GA

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response