LENDMARK FINANCIAL SERVICES

2018-02-15

Newnan, GA

Incorrect information on your report

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

Account information incorrect
Complaint: Lendmark Finan loaned money for a metal building I paid it off... there was confusion because they recorded it as 2 accounts. Account XXXX and XXXX they reported it incorrectly. It is and was paid in full.. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-02-15

Stevenson, MD

False statements or representation

Debt collection: Payday loan debt

Attempted to collect wrong amount
Complaint: I took out a {$5000.00} dollar loan in XX/XX/XXXX from Lendmark Financial. I took the money out to start my now very successful business. I made the payments on time every month until XX/XX/XXXX when I was called by a debt solution company about renegotiating my debt. I agreed to enter the program as I had already purchased my home and car so I didn't think it would be a bad idea. The debt solution company XXXX XXXX XXXX XXXX XXXX told me to treat it like a bankruptcy while they negotiated the outstanding balances lower. A month later I received a summons from XXXX XXXX XXXX collection agency. The XXXX XXXX XXXX XXXX XXXX company told me not to respond to it. I had an over 700 credit score at the time. Then XXXX XXXX XXXX called me and threatened me and it made me extremely nervous. I was able to make the payments, it was never about not being able to make the payments so on XX/XX/XXXX I exited the debt program and made a payment to get up to date with Lendmark. I made this payment at the XXXX MD branch off XXXX XXXX. I called XXXX XXXX XXXX and asked what did I need to do to make the hearing go away. They sent me a form to fill out and fax back to them and I faxed it from a XXXX in XXXX PA. I found out later that they did not stop the hearing, and it went on and I did not show up to court and the judgment was awarded against me. I didn't have money to attain an attorney at the time and rather than go deeper into trouble with this agency I started making the requested payments to them. I made payments on time every single month for years. I then requested XXXX XXXX XXXX to send me a payoff balance several times. All of my emails went unresponded to. I wanted to pay the remainder in full. No one got back to me. I had an automatic bill pay set up with my bank but I had switched banks. I missed two payments to XXXX XXXX XXXX and they without my knowledge or permission pulled a large amount of money out of my bank account on XX/XX/XXXX This was way more than the balance owed. I have paid nearly 8000 dollars on this {$5000.00} loan. I have emailed them and called them repeatedly for an explanation and no one has responded. This place has turned my life upside down,
Company Response: Closed with explanation

Timely Response

2018-02-10

OH

Problem when making payments

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

Complaint: LENDMARK FINANCIAL they won't send a statement for over 2 years now I don't know what they are doing to my account how much is being applied to balance how much interest I'm paying. I look online at complaints for this company and see they are tacking on fees so that the loan can never be paid off. how is this company still allowed to exist.
Company Response: Closed with explanation

Timely Response

2018-02-04

Macon, GA

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
Company Response: Closed with explanation

Timely Response

2018-01-31

OK

Problem when making payments

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

Complaint: The problem is with the statement procedure. For over 2 years, mailed statements only include regular payment amount due. Statements have not had ANY information regarding amounts paid towards principal or interest, payments made, loan pay-off amounts, etc. for this length of time, statements have the words “under construction” pertaining to the lack of information. Online access is extremely limited; unable to update personal information, and payment due is vague (does not show past due dates, only amounts).
Company Response: Closed with explanation

Timely Response

2018-01-29

Cheverly, MD

Incorrect information on your report

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

Account status incorrect
Complaint: This account was paid off in 2014. I have asked that this be removed from my credit report.
Company Response: Closed with explanation

Timely Response

2018-01-24

Rupert, ID

Incorrect information on your report

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

Account information incorrect
Complaint: Paid off loan on XX/XX/XXXX in amount of XXXX was told 110 days to get off credit report, account still shows up on report at XXXX with an update report of XX/XX/XXXX. When called to see why it has n't reported clear yet they give run around as if my problem and not theirs nothing but excuses and hung up on several times
Company Response: Closed with explanation

Timely Response

2018-01-22

Capitol Heights, 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

2018-01-19

Finksburg, MD

Took or threatened to take negative or legal action

Debt collection: Auto debt

Seized or attempted to seize your property
Complaint: I owe a debt to Lendmark Financial Services. We have already been to court in the past because I was behind on my payments. Most recently, my account with XXXX XXXX has been hit with a garnishment hold of around {$4500.00} on XXXX XXXX, 2017. I have contacted Lendmark Financial to see who I should speak with to get current with my payments. They directed me to their lawyer. I have contacted their attorneys at XXXX XXXX XXXX Attorneys at Law located at XXXX XXXX XXXX XXXX XXXX, MD XXXX multiple times to explain that if the hold is removed from the account I will be able to make good on my past due payments.I have received no response from them after leaving several messages. There have been other garnishment attempts by Lendmark Financial on other accounts that I have as well.
Company Response: Closed with explanation

Timely Response

2018-01-14

VA

Incorrect information on your report

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

Account status incorrect
Complaint: The account with Lendmark was paid in full on XX/XX/XXXX. The amount paid was {$6900.00} in the XXXX, VA office. The account was then reported delinquent on XX/XX/XXXX and I called the office at XXXX XXXX XXXX and spoke with the branch manager XXXX XXXX who informed me the acct is not reporting late and she did n't see it on XXXX. At that time I started a dispute with both XXXX & XXXX. On XX/XX/XXXX I received notification that the account with from a derogatory status to a current status. On XX/XX/XXXX I received notification that the account was closed. On XX/XX/XXXX I received an alert that Lendmark was reported back on my credit file, acct opened XX/XX/XXXX. I did not attempt to call the office as the branch manager acted clueless about what was going on.This acct is closed and I have all the documentation but yet Lendmark keeps reporting different information to the credit bureau that is affecting my credit score. Please investigate this financial institution and coach them on better credit reporting. I should n't have to go thru this much headache when I close an account. Thank you.
Company Response: Closed with explanation

Timely Response

2018-01-11

Beaverlett, VA

Threatened to contact someone or share information improperly

Debt collection: Payday loan debt

Contacted your employer
Complaint: Lendmark has repeatedly try to contact both my husband and I at work even after they were told not to, that they were jeopardizing our employment. They have been notified that we are working with a debt consolidation company to help resolve our debt.
Company Response: Closed with explanation

Timely Response

2018-01-10

CA

Charged fees or interest you didn't expect

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

Complaint: On about the XX/XX/XXXX ( morning ) I called XXXX XXXX and asked for a {$3000.00} loan to pay a couple credit cards off. In the afternoon they called back and said my loan was approved. When I get there their associate has a check for {$4000.00} and I told him I had asked for {$3000.00}. He said " do n't worry about it, bring it back if you do n't need the extra XXXX ''. Quite enticing. When we began the loan procedure he marked my loan application with a higher yield for instance : my car was worth {$2000.00} ( XXXX XXXX XXXX ) with a couple dents on it, said I owned 2 flat hd screen TV 's ( I do n't ), put down I had a computer and a lap top ( I do n't ), he never received the pink slip to my car before he gave me the loan, ( he just seemed to be in a hurry to get my loan approved with or without a pink slip ) never once mentioned the interest on the loan and put a lien on my car before the first payment was due so I could n't even get my tags. I 've email their headquarters in Georgia and never once got a reply. I sent letters to the manager in XXXX, California and never got a reply. I received a letter ( it took almost to two months ) from the manager of L.F. in XXXX yesterday asking me to come in because I have n't send them a payment. I just feel this associate took advantage because my credit rating is getting better and it 's taking me a while to accomplish that and now this person is going to XXXX it up as it were. I 've never done this ( good experience ) before probably because I do n't like doing this to people but I also do n't like being taking advantage off. I 'm XXXX years old, I 'm a Veteran, and live alone please consider my complaint it would be highly appreciated. XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2018-01-05

Burien, WA

Problem when making payments

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

Company Response: Closed with explanation

Timely Response

2017-12-29

Douglasville, GA

Problem with the payoff process at the end of the loan

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

Company Response: Closed with explanation

Timely Response

2017-12-29

San Jose, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Loan sold or transferred to another company
Complaint: XX/XX/XXXX My complaint is that my lender has not provided me with a complete monthly statement since taking over my loan. XXXX XXXX was my original lender. in XX/XX/XXXX, the company XXXX XXXX purchased XXXX XXXX. When the new lender took over I stopped receiving monthly statements with details like ending balance and how much of my payment went to primary loan and how much of it went to interest. We are now at the end of XX/XX/XXXX and XXXX still ca n't print the information on my monthly bill note.
Company Response: Closed with explanation

Timely Response

2017-12-13

MD

Took or threatened to take negative or legal action

Debt collection: I do not know

Seized or attempted to seize your property
Complaint: TOOK MONEY FROM MY BANK ACOUNT JUDGE SAID IT PAIDED IN FULL
Company Response: Closed with explanation

Timely Response

2017-12-06

Patterson, MD

Threatened to contact someone or share information improperly

Debt collection: Other debt

Talked to a third-party about your debt
Complaint: This is the 2nd complaint for Lendmark Financial located at XXXX XXXX XXXX, XXXX, MD XXXX. This company call me daily and leave messages to call them or else. Now they are calling references ( family members ) telling them about this loan. My sister notified me of the phone call yesterday ( XX/X/2017 ) and she now has blocked them from contacting her as well. I pay this account every month and they still call harassing me for payment even if the account is late one day. They also ask me to make post dated payments, which I refuse to do. Every since I wrote the first complaint about their collection practices, the calls of harassment worsened with intimidation to scare me into making a payment. They call from anonymous phone numbers ( someone name XXXX called from XXXX - I have the recording ). This loan is completed and at the end of the term ( they even sent a letter stating this ), they are harrassing me for interest they tacked onto the loan, fees or extra charges.
Company Response: Closed with explanation

Timely Response

2017-11-27

Bixby Knolls, CA

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2017-11-22

Oxford, GA

Threatened to contact someone or share information improperly

Debt collection: Private student loan debt

Contacted you after you asked them to stop
Complaint: I called XXXX back in XXXX and ask them to put on file not to call my job. The debt owed to them will be paid through Debt Couseling service ie XXXX XXXX XXXX XXXX. Correspondence was sent to them via mail. Theses people are relentless they have called my job everyday disclosing personal information. They have recently just yesterday XXXX/XXXX/17 @ XXXX in the morning. Told the receptionist Give me the address we are get ready to garnish her wage They have also called my friends and family and pretended to be my bank representative. I couldve filled bankruptcy but I want to pay these people. They have also reported this to the credit bureaus to hurt my credit and to black ball me. I was told by XXXX XXXX relief not to talk with them after asking them not to call my job. I trust that this issue will be handled in the appropriate manner.
Company Response: Closed with explanation

Timely Response

2017-11-17

Charged fees or interest you didn't expect

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

Company Response: Closed with explanation

Timely Response

2017-11-10

Vienna, NC

Struggling to pay your loan

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

Complaint: Beginning in XX/XX/XXXX until XXXX 2017. My wife and I have been notified by mail and we understand that we owe Lendmark Financial. The number of times they call her at work, on her cell, call my cell repeatedly and our home number is unacceptable. It is an all day every day calling process and I would like for it to stop. I have talked to someone once before about calling me at work. It has since stopped, but calling multiple times a day at my wife 's job, calling our home and or cell phones is too much.
Company Response: Closed with explanation

Timely Response

2017-11-08

Northside, NC

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem while selling or giving up the vehicle
Complaint: Early XX/XX/XXXX-contacted Lendmark to inform them that I was going through a divorce and wanted to find out my options to settle my account ( husband had the vehicle ) .Spoke with XXXX ( Branch Mgr ) who informed me that they would be willing to settle the balance for {$6000.00}. XX/XX/XXXX-the vehicle was sold to XXXX XXXX XXXX, XXXX in the amount of {$6000.00}. XXXX met the Broker personally, signed the paperwork and collected the check herself. She was informed me that she would settle the balance owed on my account as discussed a couple of weeks back. XX/XX/XXXX-Sheriff showed up at my home and served me with a summons to appear against Lendmark Financial - court date was XX/XX/XXXX. XX/XX/XXXX-Placed call to Legal Aid to find out my options to fight this. Called Lendmark Financial to speak with them about the matter. Spoke with XXXX XXXX, who pulled up my account and stated, " I see where they misapplied your {$6000.00} payment - this should have been entered as a settlement ma'am. '' I replied, " That is correct, which is why I 'm in dispute of the suit against me. What can I do to resolve this matter? '' She stated that she would speak with her manager about it and call me back in a couple of hours. Called back the evening of XX/XX/XXXX after not receiving a returned call from XXXX. Also called twice on XX/XX/XXXX, and 3 times on XX/XX/XXXX-she was never avail to speak with me. Called again twice on the following days : XX/XX/XXXX, XX/XX/XXXX. Called morning of XX/XX/XXXX and finally got her on the phone. She stated that the immediate solution to keep the case out of court would be for me to come to their office and make a payment of {$320.00} for XX/XX/XXXX and to sign a deferral agreement for XX/XX/XXXX and XX/XX/XXXX. XXXX stated this would bring my acct current. I visited the office at XXXX on XX/XX/XXXX and made the payment in cash and received a receipt. I also requested official documentation on letterhead ( signed and dated ) stating that they are dismissing the case against me on XX/XX/XXXX. XXXX and her branch manager XXXX XXXX advised me that I did n't have to show up for court the following morning and that they would update the court that they would dismiss the case when our docket was called. XX/XX/XXXX-I showed up to court to represent myself against Lendmark 's advice and I 'm glad I did. XXXX was at the bench telling the judge that they " moved to continue the case ''. The judge saw me and asked my defense and I presented Lendmark 's letter stating that they would DISMISS ( not continue ) the case. The judge praised me for showing up to defend myself and bringing proof and dismissed the case, but not without reprimanding XXXX for lying under oath! XX/XX/XXXX-following the case, I visited another Lendmark location to speak with someone about what had transpired in court and to attempt to get resolve on my account. I was informed by the Sr Acct Mgr and Branch Super that XXXX and XXXX used to work at that location and were transferred due to to poor business practices with their customers. They advised me to speak with XXXX XXXX about this entire matter. They even emailed her on my behalf in their office to initiate the conversation. XX/XX/XXXX-To date, I have attempted to contact XXXX XXXX twice a day since XX/XX/XXXX. She has yet to return my call. I received a call from XXXX this morning at XXXX stating that I owe for XX/XX/XXXX, therefore my paperwork from them states that the payment I made on XX/XX/XXXX was for XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2017-11-08

Greensboro, NC

Charged fees or interest you didn't expect

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

Complaint: I understand that I borrowed the money because my mom was XXXX so she is not able to work so I 'm helping paying the bills such as ( light, water, cable, insurance, food, phone and etc ) This company is very RUDE they do n't understand things happen. During my time with this company I received these comments : I told XXXX you werent going to payment but I guess he tried to believe you ( XXXX said that! ) I asked to not be called at my employment, ( I even sent an email handwritten to not call at my employment ) XXXX XXXX from the XXXX NC location called XX/XX/XXXX saying " Hey XXXX, are you going to make your payment '' I said I will call back on my lunch break please stop calling me at work '' this is so annoying! XX/XX/XXXX I called and ask the branch manager for the original copies of my contract I finally received them XX/XX/XXXX. ( I guess he stated he was busy ) I called XX/XX/XXXX to ask to why my charges are extremely high if I only received ( 3 ) checks in the amount of : {$1100.00} ( XX/XX/XXXX ) {$390.00} ( XX/XX/XXXX ) {$120.00} ( XX/XX/XXXX ) Which is ALL a total of {$1600.00} ( so your telling me it 's THOUSANDS of dollars in INTERST! ugh NO! ( explanation please! ) When I called XX/XX/XXXX I was on the phone with a sweet lady name XXXX and she could not figure out why my charges are extremely high. This company needs to be investigated. Then I get legal papers that say {$830.00} OWED, {$650.00} INTEREST {$9000.00} HOW! I 've sent an email to XXXX XXXX XXXX, XXXX ( Chief Administrative Officer ) XX/XX/XXXX with no reply or anything!
Company Response: Closed with explanation

Timely Response

2017-11-07

Silver Spring, MD

Problem with the payoff process at the end of the loan

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

Complaint: XXXX XXXX. I contacted the company and requested a pay off balance and was told I would receive it in the mail. XXXX XXXX contacted the company and was asked to call their attorney to give me a pay off balance. Last year, I had XXXX XXXX. Before this XXXX I went to their office to sign paperwork deferring my payments since I also had insurance with my loan, which was supposed to make the payment. I was assured the insurance was making payments. When I called the company to ask when my insurance would run out, I was told since I had unemployment insurance and I was unemployed almost a year prior and the insurance company did not send the payment I was told that that payment would cover me for 4 more months. This did not happen. I received a notice from their attorney a few months later during me for non payment. I went to court and the attorney apologized and stated it was the fault of the company and not mine and she dismissed the case and an agreement was signed stating I did not owe any attorney fees and if at any time I did not make payment on my account when due, 15 days after the due date I would have to pay attorney fees. This has never happened because I always made payments on time. After the agreement was signed I contacted the insurance company to find out why they never paid landmark when I was unemployed. They claimed lendmark never forwarded them documents they requested. Documents I had given to lendmark were never given to the insurance company. I was asked to resend those documents and when I did, the insurance company paid within days of receiving them. However, I have asked several times for a pay off balance and have been told to speak with their attorneys because I may owe attorney fees. I stated I had the agreement and I also believe they should have a copy of the same agreement because the attorney assured me she was sending them a copy the same day. Several times they acknowledged the receipt of this agreement but once I asked for my payoff balance no one wanted to give it to me. My last attempt was on XXXX where I had to ask for a manager and I told him I had no business with the attorney so I would not be calling and since my loan was with their company it was in their best interest to provide me the information I wanted on my account. He refused and told me he would contact the attorney and get back to me. Landmark is in breach of the contract I signed with their company and the attorney.
Company Response: Closed with explanation

Timely Response

2017-11-06

VA

Problem when making payments

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

Complaint: I have been having financial issues and I had worked out something with them before but things did n't go as planned for me and I 've talked to XXXX a few times and told her that I was n't sure when I would be able to pay. I know that I owe and I had an issue before with them calling my work and also calling my references and my dad. I told them not to call my job or the family but yet they are still calling my references and family and also telling them why they are calling and telling them that it 's because I have n't paid my loan. Not only is this a breach of privacy but it is embarrassing for me beacuse I do not want anyone knowing about my financial difficulties. I am extremely upset but the things that have went on with this company. I 've submitted a complaint against them before for this same reason and apparently it was never resolved and I do not appreciate the blatant disrespect for my wishes by the employees there.
Company Response: Closed with explanation

Timely Response