Complaintsforlegacy finance co - Gainesville

• Initial Complaint

  12/04/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Legacy Finance - Gainesville , who i think is a franchise or subsidiary, or otherwise connected to Kinsmith Finance - is harassing myself as well as those I listed as "references" on a loan application via phone calls and texts. Constant harassing phone calls, all day, every day. They call me and my references up to 3 - 4 times a day - each. So Legacy FInance calls and harasses my references and I, including my Boss and Wife, as well as friends, up to 10 - 15 times a day sometimes, and always at least 5-6 calls a day. This is illegal and immoral. I borrowed $400 from the finance business and have paid that amount back. I am now late on purely interest payments. However I am not comfortable even dealing with this business in person OR over the phone as they threaten and harass me. I have told them the date I can make a payment. The harassment continues. The ***** says its illegal for them to contact me more than once a day. Its also illegal to contact me within 7 days of talking to me about the loan. They do both of those things every day. ****** and ***** took photos of my loan documents, including ALL of my PERSONAL information, on their personal cell phones. They sent me pics of my loan docs from their personal cell phone numbers, laughed at my request that they stop calling me in a text, and on and on. They call my boss at work repeatedly in order to get me in trouble at work. My boss and wife have requested they stop calling, but Legacy Finanace - *********************** and ***** specifically, continue to harass them as well.They harass my references and I from both the business phone and using their personal cell phones in order to disguise who it is to get people to answer. They should NOT have my personal information, cell #, loan docs, my SS#, address, and everything else on their PERSONAL CELL PHONES. I did NOT consent to that kind of release of my personal info. I've attached pics of harassing calls and texts over few days to me and my wifes phones.

  Business response

  12/15/2023

  To whom it *** concern,
  
  
  We are responding to the above referenced complaint forwarded to us on December 4th, 2023. Kinsmith Finance is a state-licensed lender that offers installment loan products as permitted by applicable law/regulation.
  
  A review of the Consumers installment loan account reflects reasonable attempts to contact and locate the consumer during periods of non-payment and/or no contact. The Company greatly values the Customer Relationship and makes regular efforts to maintain an open line of communication during periods of hardship.
  
  The Consumers installment loan account shows no record of the referenced requests for a discontinuance of contact attempts at the direct and/or personal reference contact numbers or the consumers place of employment.The various methods of contact and communication are authorized and are disclosed to the consumers in the loan agreement and accompanying notices. The Company takes requests of this nature sincerely and the Consumers account has been updated to reflect this.
  
  The Company believes that there has been a miscommunication or misunderstanding. The Consumer recently renewed the balance of his installment loan account and has an outstanding returned payment that *** have caused confusion.
  
  The Branch Supervisor has contacted the Consumer directly to discuss his concerns and offer possible solutions. The Consumers installment loan account was notated, as stated, that he expects to visit or contact the lenders office to make a payment or discuss other arrangements.
  
  The Company believes that this addresses the concerns as outlined in the referenced submission. Please advise if there are any further concerns or requirements regarding this complaint. 
  
  Thank you for your very kind attention to this matter.
  
  Sincerely,
  For Kinsmith Finance

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