Regional Finance

I have a furniture loan there and my husband has one. Any time I see that I'm going to be late, I will call them. I had to make two payments in one month. That left me owing $84.00 on my loan. My husband went in and made a payment. They told him that they were about ready to come out and pick my furniture up because I was behind. They also told him that he was behind and he would have to pay $145.00 for his next payment instead of $77.00. When he told me that I had my receipt in the car and I carried it in the store and asked them how was I behind, I only owe $84.00.

He kept looking in the computer and said that I had a check returned. I told him that was not possible because I don't even have a checking account. He called another man over and he looked at it. He said I know what happened, she made a payment and her husband was behind so I took a payment off her account and put it on her husband's. I showed him on my receipt that I only owed $84.00 and asked him not to do that again. He wrote at the bottom of the receipt that owed another payment.

When my husband went in last week to make our payments, they told him that he only owed $77.00. My husband told them that he was told that he had to pay $145.00. The man told him that he can pay what he wants but it was $77.00 and they sent a receipt from my account saying that I owe $94.00. I don't know how they came up with that but, I will never once I get them paid try to get anything from them again. They are very unprofessional and they don't know who owes what. Something really needs to be done because I have to make an extra payment that I shouldn't have to make.

I have two loans there: one small loan $500 and my car loan. I went to make a car payment I owe two and one on the small loan and they told me they would not take the car payment without paying on the little loan also. These are two separate loans and this is not legal and they are always harass me at work.

Ever since the check was cashed, we have been harassed by this company. The payment is due on the 5th of each month. They begin calling on the 3rd or 4th, threatening what they will do if we do not come in by the 5th to make the payment. If for some reason we cannot come in on the 5th, they repeatedly call our home phone and cell phone. Now they have somehow gotten my work number and they are harassing me at work. There has to be some kind of law against this. I was informed today that I had been late 8 times (I have not paid 8 late charges). I told them that is not correct. How do you figure 8 times? I only borrowed money and was supposed to make 12 payments. The girl replied, "Your payment is due on the 5th. And if you are not in this office on the 5th to pay, you are late!" She has threatened to come to my home or my place of employment to collect the payment. This was on dates such as the 6th and 7th.

I told her that the law says I have a 10-day grace period in which to make the payment after the due date before a late charge can be added. She said Regional Finance does not give grace periods. And she would continue calling and would also come to my home if I do not pay the payment on the 5th. I asked her if she was saying that Regional Finance was above the law. Her reply was, "I guess we are. We are a finance company and we can do as we see please." The people at Regional Finance are out of line. Something should be done about these people. I am sure the people who work in the local offices are doing what corporate office is telling them. I don't know if this is for sure. But if it is not and the corporate office does not know about their collection tactics, then something for sure needs to be done. If there is a class action lawsuit ever started, I will be a part of it.

The company is trying to repossess my car. In an effort to do so they have hired a man to come on my job (to my classroom while teaching) and harass me. He calls my job directly and asks for me. And threaten to have the Sheriff Department come on my job. I have been warned that his continued behavior is unacceptable and could lead to unwanted consequences.

After being notified by the consumer (self) that due to medical problems I needed an SUV to drive. Kristen verbally agreed to approve me for a 15,000.00 loan. After learning that the car that they were currently financing me for has a lemon titled attached to it in two different states she became unwilling to speak with me or assist me with my trade-in.

I have been unable to trade my car in due to the car being a lemon. I have had to purchase another vehicle to accommodate my medical needs, while trying to keep up the payments on the car they own.

I have told them over and over to stop calling to my work. They're harassing me. They have even gonna to the extreme to drop by my job and it is causing a lot of problems for me here. I don't wanna get fired being a single parent. This is the only job I have! Today we had a funeral going on and the gentlemen that came by from that office put the manger on speaker and everyone could hear him. They should be educated on talking and handling clients! I shouldn't have to feel harassed at my job cause of them! I have been so stressed out with them repeatedly calling and harassing me at work!

They are calling my place of employment after I told them that my employer does not want them calling and harassing me. I could possibly lose my job because of that. I told them that I cannot take personal phone calls at work. They have my cell number.

He is calling my place of employment where I can't receive calls. He also comes by my job leaving threatening letters. It's stressful. I don't want my co-workers knowing my personal business. If he keeps up, he could cause me to lose my job.

The manager came to my house with an unknown male in the car with her, that did not work for regional finance, because she could not reach me by phone. The second time, my wife and I were leaving a restaurant two doors down from the regional office and she called me out across the parking lot. She said that she needed the continuing benefits form for my unemployment and she was on her personal cell phone also when she done this. There were lots of people in the parking lot at the time, which caused a lot of attention towards my direction. Also, this same manager has spoken to my wife about my account in which my wife is not listed as a contact. This is the fourth time that she has violated my privacy. It resulted to a public embarrassment to me and my family.

On June 16, 2009, I was telephoned at my place of business by a Regional Finance Corporation representative, Christy. It must be noted that previously the company was advise not to telephone my place of employment by self and consumer affairs representative. I even sent written correspondence to contact via mail for this was becoming far to stressful. Therefore, I was in awe that she telephoned me to discuss my personal account with the corporation at my place of employment.

Right off, Christy began to question as to why I had not made a payment to the corporation or called. I informed Christy that for my own sanity I elected not to call for I have been inudated with constant telpehone calls and messages both at my home number and cellular number by her; reminded her that she could have contacted me via mail. I,again,questioned why she telephoned my place of employment to discuss this matter when actions where in placed to discontinue this type contact. Christy became verbally aggressive and shared that no such arrangements were made; she went on to proclaim that she had my information on my 'card'. I informed her that she knew this was not the case and I again called into question why she was contacting me at my place of employment. I shared with her my concerns and how un-appreciative I was of this contact at my place of business. Needless, to say the discussion became heated.

She became angered and begin to state how I was avoiding her calls. I again, informed her that for my own mental health I did not need to speak with her as constant as she thought I should. The discussion continue to progres to the point that I requested and intervention from her supervisor. She increased her voice to a matter of affect tone...I am assuming to alert me to teh fact that her intentions did not change. After waiting on hold for several minutes ( I was adamant not to hang up) I spoke with her supervisor who agreed that Christy was not to call my place of employment and in fact it was listed in my file and on 'card' not to contact at work or visit home.

I expressed my dissatisfaction with my treatment and my concerns over how Christy seemed to take a particular personal interest in my affairs. He conceded that he would handle situation. This would have been the end of it for me had I not issued a previous complaint through consumer affairs due to the barge of calls made to my work place, etc. Please note, I am well aware of my debt stance with the company regarding payments; in addition, also note that I previously informed Regional Finance representatives that due to a Mandatory Furlough mandated by my place of employment in January 2009, my financial situation had changed; however, I would continue to do all I could to address my debt situation with the corportation by making payments on the account(though payments made were not on due date I worked to satisfy this debt... I was aware of the late penalty fees calculated on my account,aware that fees were taken out when a payment was made and of the possiblity of other actions such as collections). Nonetheless, sharing of information took place through my countless verbal contacts with company representatives and mail correspondences. I informed representatives that my finanicial status would resume to its natural state in July 2009. That is why this aggressive interaction was so puzzling me. The represetntas were well of aware of the date that the Mandatory Furlough would cease and I often informed them that when this ocurred my payments would to its normal state. The call on June 16, 2009, was irresponsible, stressful, belligerent and unprofessional. I was able unable to concentrate for an extended period of the day due to this circumstance and I am in a profession in which concentration and listening is essential. This interaction has led me to question how other less vocal or knowledable consumers are treated by this representative.

Please note, in no way am I attempting to neglect my finanical obligation for I have continued to make payments even when finances were tight and unforseen in many cases. It is my belief that everyone desires respect and professional interactions, especially in this time of financial constraints when faced with loss of finances, etc. The call made by Christy appeard to be nothing less then an attempt strong arm me, increase embrassment for my inability to pay on the account in a timely fashion. I had faced this situaion with her and others on several ocassions and was made to feel less then for not being able to send a payment on the due date, even though penalities were applied and had to be paid by me and no them. I should not have to endure this type of stress or interactions at my place of business, a place in which I work and ultimately need in order to clear debts not only with her place of business but other necessary vendors in which I deal.