Lendmark Financial Services

I purchased a car on XX/XX/year> from a small car dealer in XXXX XXXX. I live in XXXX, so it was a XXXX XXXX XXXX, and both the dealer and the finance place he set me up with hurried XXXX the entire process, so much that when I arrived at dealership ( XXXX XXXX ) the dealer even stated, I got paperwork ready, I needed to be out of here an hour ago and after signing papers he literally tossed keys at me and said thanks for doing business. I wasnt hesitant because I had asked prior to purchasing if the car had any leaks, check engine lights, or issues that would need attention soon. XXXX assured me the car had been gone over by his mechanic and that there was nothing wrong with the car, not even a leak, no warning lights and that it drove great. In the earliest of messages he states that its stock with a ton of maintenance at a local XXXX shop. I drove the car home XXXX hours, noting a faint whirring sound.…

I am submitting this complaint regarding repeated collection activity from Lendmark Financial Services. I enrolled with XXXX XXXX XXXX approximately XXXX months ago due to financial hardship and have been attempting to responsibly address my debt situation. In addition to repeated calls to me, individuals including family members, relatives, and other people I did not provide as references have reportedly been contacted regarding my account. I believe this has become excessive and has caused embarrassment, stress, and disruption in both my personal and work life. I understand the company has the right to attempt to collect a debt, but I am requesting that collection communications remain reasonable and professional. I am also requesting that unnecessary third-party contacts stop while I work through my debt relief program.

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

I had a mortgage loan for around $ XXXX that I had satisfied in full as of XXXX with lendmark financial in XXXX, Alabama on XXXX XXXX. ( XXXX ) and they never filed a lien release with probate. I am 15 days away from closing on the sale of my home and the purchase of a new one, but because they didnt file a lien release nearly 10 years ago, both closing dates are on hold until it is recorded with probate. Lendmark has been unhelpful, giving the run around and now has become unresponsive and angry/lacking patience and willingness to help. I have recieved nothing and have been told its now my job to find proof of lien satisfaction and provide them with it because they cant go back that far in their records to see where it was paid in full anymore.…

Hi there, I am turning to anyone who will listen to this violation. I have been working with a loan company called Lendmark. Back in XXXX of XXXX I received a call from a branch manager named XXXX. She advertised to me that XXXX was their " Customer Appreciation Month '' and that they could get us {$1000.00} cash out for XXXX. We only had to do one thing. Make a payment to our current loan with them. I responded stating " let me speak to my wife if we want to do this. I'll call you back. '' My wife agreed, I called them back and spoke to a XXXX sales rep at the time. I was told that XXXX we the customer appreciation month. Not XXXX. I asked why XXXX would tell me lie to me like that. XXXX told me that a lot of customers have been reporting XXXX for misrepresenting and deceptive practice. It is to get you to make payments on your loan. XXXX told me she is leaving the office as she wants nothing more to do with this branch manager. Fast forward to XX/XX/XXXX.…

I have now twice requested and provided all supporting documentation to have the SCRA Key Provisional XXXX XXXX XXXX benefits applied to my account. Both times Lendmark wrongfully denied my request due to debt being incurred after XXXX XXXX. Key provisional benefits of Ohio also include any debts incurred during active service and cap those interest rates at 6 %. I provide my XXXX showing I joined XXXX XXXX from and my home of record is Ohio. Lendmark is in non compliance with state law and is still charging me over 30 % interest. If this continues to go un resolved JAG has advised to file with the Ohio AG.

I was offered a loan that would pay off the current loan and lend me an extra {$2000.00}. My loan number changed to a new loan but I never received the money. Theyre telling me they didnt offer that but cant explain what this loan is.

XX/XX/XXXX of XXXX I put about XXXX XXXX XXXX down on a XXXX purchase through XXXX XXXX and the remainder of approximately XXXX dollars was financed through Lendmark Financial Services LLC. I signed the original loan documents that day and have been paying it everysince then. Recently I have been trying to get it paid off and get my affairs in order. On XX/XX/XXXX I sent an email off to XXXX XXXX the branch manager over at their XXXX branch. I requested-Complete transaction history from the start of the loan -All deferment agreements -Original loan agreement from XX/XX/XXXX -Any documentation showing changes, refinancing, or new loan issuance ( including the XXXX loan referenced ) I got a phone call from lendmark that day calling about my payment that was past due. I asked them for my payment history and also asked why my loan shows it originated in XXXX and not XX/XX/XXXX of XXXX which was the date that i brought the bike home after filling out paperwork in their office.…

I am filing this complaint against Lendmark Financial regarding the servicing of my auto loan. I notified my lender that I was experiencing financial hardship and could no longer afford my monthly payments. I requested a voluntary repossession as a possible resolution ; however, I was advised that I should instead attempt to refinance the loan and was given until XX/XX/XXXX to find a buyer for the vehicle. I successfully secured a buyer and submitted the offer via email to my lender, but I did not receive a response or any follow-up. After this, communication from the lender became inconsistent and delayed. Approximately XXXX month later, I was summoned to court on XX/XX/XXXX regarding the account ; however, the case was ultimately dismissed and no resolution was provided. Following this, I continued to contact the lender seeking a resolution. I was informed by the representative handling my account that they were still awaiting guidance from upper management.…

I am filing this complaint against Lendmark Financial Services ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX ) regarding their failure to provide hardship assistance despite misleading me about available options and subjecting me to deliberate runaround tactics. Account number : XXXX. I have been a Lendmark customer since XX/XX/XXXX with a consistent on-time payment history. My current loan balance is {$5100.00} at a 25.75 % APR. My husband is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXd I am the sole income provider for our household. I am experiencing temporary financial hardship and reached out to Lendmark to request relief. Approximately XXXX week prior to this complaint, I contacted my local Lendmark branch in XXXX, PA regarding my hardship situation and requested an XXXX reduction or loan modification. A branch representative explicitly told me that yes, they could help me with my situation.…

I have let them know I'm talking to a debit consolation company and bankrupt attorney but they keep harassing me. I have told them 3 different times to please do not call my employer I can not take personal calls at work. The lady before my position was terminated due to personal phone calls. They continue to lie and say that I have never told them that and its not in the system that they cant.

Applied for SCRA but never got any response at all. for both loans XXXX and XXXX

I. Overview I am filing this formal complaint against Lendmark Financial Services for multiple violations including failure to respond to a formal conditional acceptance and dispute letter within the required timeframe, reliance on a promissory note as sole and insufficient verification of the debt, failure to address specific conditions formally requested, failure to conduct a reasonable investigation, and continued reporting of unverified disputed information to consumer reporting agencies in violation of the Fair Credit Reporting Act. XXXX. Timeline of Events I submitted a formal Conditional Acceptance Letter to Lendmark Financial Services requiring complete verified documentation within the required timeframe Lendmark responded by producing a promissory note as their sole verification of the debt I submitted a formal rejection of that response identifying it as legally insufficient and raising XXXX additional conditions triggered by their promissory note response Lendmark has…

I am filing a complaint regarding inaccurate and potentially unlawful credit reporting and collection activity on account number XXXX, originally opened with Landmark Financial as an auto loan. The original balance of this account was {$8100.00}. The account was closed in 2023. It is currently being reported with a balance of {$9700.00}, which appears inflated and inaccurate. This account is being reported multiple times as a charge-off ( profit and loss ), which is duplicative and misleading. Additionally, the account has been sold multiple times to third parties. Despite this, I have not received any proper validation of the debt or documentation establishing a clear chain of title from the original creditor to the current reporting entity. Furthermore, no IRS Form 1099-C ( Cancellation of Debt ) has been provided, despite the account being charged off and reported as a loss.…

I am submitting this complaint regarding my loan with Lendmark Financial Services. I believe the terms of this loan and the handling of my account have been unfair, excessive, and not fully transparent. At the time the loan was issued, I was not clearly informed of the true long-term cost, including the high interest rate and how significantly the balance would exceed the value of the collateral. As a result, I am now in a situation where I owe approximately {$7000.00} on a vehicle that is only worth around {$1500.00}. In an effort to responsibly address this debt, I attempted to voluntarily surrender the vehicle. However, Lendmark refused to accept the voluntary repossession. This has placed me in an unfair position where I am being held responsible for a balance that far exceeds the value of the vehicle, while also being denied the opportunity to reduce the debt through surrender of the collateral.…

Current employee of Lendmark Financial. The pressure and direction from upper management to renew current and former customers is overly aggressive.

I am filing a complaint against Lendmark Financial Services regarding inaccurate credit reporting and failure to properly investigate a dispute. On XX/XX/year>, I submitted a written dispute requesting verification of this account and its reported payment history. I did not receive any documentation or evidence validating the accuracy of the account. Despite this, Lendmark Financial Services has continued to report late payments on my credit report and has continued collection activity through repeated emails and text messages. Additionally, in XX/XX/year>, I made a payment under a hardship/temporary modification program with the understanding that my account would be brought current. However, late payments continue to be reported, which is misleading and does not accurately reflect my payment status. This account is being reported inaccurately and without proper investigation, in violation of the Fair Credit Reporting Act.…

I am submitting a complaint regarding my vehicle loan account with Lendmark Financial Services ( Account Number : XXXX ) involving delayed payoff coordination, lien/title servicing, and insurance settlement handling during an active vehicle loss claim. This debt relationship began in XXXX for my XXXX XXXX XXXX and was later refinanced into the current Lendmark account on XX/XX/XXXX, making this the same continuous debt chain for the same vehicle obligation. Insurance claim details : Insurance company : XXXX Claim number : XXXX Date of loss : XX/XX/XXXX Vehicle : XXXX XXXX XXXX Current status : The adjuster is actively assessing the vehicle value and determining whether the vehicle will be declared a total loss.…

Lendmark/XXXX XXXX is refusing to process a fraud claim unless I appear in person, despite my documented XXXX XXXX. They are ignoring my requests for XXXX accommodations and continuing to harass me via phone after being told to use email. One of them even acknowledged my inability to come in and yet still requested me to come in. This is a clear statement ignoring reasonable accommodations under the XXXX.

XXXX XXXX Lendmark Financial Services, XXXX I am filing this complaint regarding unfair and excessive collection practices by Lendmark Financial Services, XXXX. In or around 2016, I obtained a personal loan from Lendmark in the approximate amount of {$8000.00}. Since that time, I have made payments totaling approximately {$21000.00} toward this loan. Despite paying nearly XXXX times the original loan amount, Lendmark continues XXXX report that I owe a significant balance XXXX has pursued aggressive collection actions, including repeated bank garnishment attempts. I was never properly served with the XXXX lawsuit related XXXX this debt XXXX only became aware of the judgment after my bank account was frozen. This prevented me from having the opportunity XXXX appear in court or defend myself. After discovering the judgment, I acted promptly XXXX appeared in court XXXX assert my rights. At a prior hearing, I appeared, XXXX Lendmark failed XXXX appear.…

On XX/XX/year>, I reached out to XXXX XXXX XXXX to purchase a vehicle. After the initial application process, I was able to find a vehicle and was told by Lendmark Financial location in XXXX which is a few miles from the dealership. When I made it to Lendmark, XXXX of the representative 's asked another representative to go and inspect the vehicle. After coming back the representative now said I don't qualify for the vehicle which was the same exact price as the vehicle I purchased. Bait and switch. Lendmark rep now called the dealer to come to the location and bring another vehicle, which is the car I currently own. The dealer now asked me to sign documents that I was not able to look over because he had to leave the finance company and get back to the car dealership. I now transferred the down payment via XXXX. I asked for a copy of my signed documents which the car dealership rep never signed. He asked the finance rep to give me copies and left the office.…

My account with Lendmark was marked dont call employer. I contacted Lendmark that I was filing bankruptcy. Lendmark called XXXX of the offices of the company I work for today. I received XXXX calls from XXXX office and XXXX office I. XXXX office said pay your bills they looking for you. I sent an email to lendmark and received a response that states and I quote. " Thanks for the response. Account is noted do not call job, yet my XXXX decided to call there anyway and I'm really sorry about that '' This is unacceptable to put my personal information out there to employees of my employer which should not give been discussed with anyone.

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company : * * Lendmark Financial Services, XXXX Branch Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Complaint : * * I am filing a complaint regarding what I believe to be predatory, deceptive, and abusive lending practices by Lendmark Financial Services. On or around XX/XX/XXXX, I obtained a loan in the amount of {$14000.00} to finance a vehicle ( XXXX XXXX XXXX, XXXX XXXX, with over XXXX miles ). At the time of the loan, I believed the total repayment, including interest, would be approximately {$16000.00}. However, I have since learned that the loan carries an approximate 36 % interest rate, resulting in a total repayment of approximately {$29000.00} over a 59-month term, with an expected payoff date around XX/XX/XXXX. This results in more than {$15000.00} in interest aloneexceeding the original amount borrowed. I have made consistent monthly payments of {$500.00} since XX/XX/XXXX and have paid approximately {$18000.00} to date.…

I bought a XXXX XXXX XXXX from top speed auto in XXXX Arizona on XX/XX/XXXX. We met at Lendmark financial to discuss numbers and finalize the autoloan for the mustang. Once we finished the paperwork and I was approved, they handed me the keys and said come back to their dealership in a week and they would give me the registration paperwork and fix the clips on the bumper since I complained about it. I wait XXXX week and during that time the XXXX XXXX broke. I went back to the dealer to tell them about it only to find out they closed forever. No cars on the lot, windows were covered and the doors were locked. So I am left with no registration. I go to Lendmark financial and explain the situation to them. The XXXX XXXX told me I need to get a " bonded title '' if I wanted to register the car since the dealer went out of business. Also mentions that the dealer never sent the title to the bank!…

I am filing a complaint regarding a charged-off account with Lendmark Financial Services XXXX I am attempting to resolve this account in good faith, however I have been told that I must pay the full remaining balance of {$8800.00} with no option for settlement or negotiation. This is despite the account already being charged off and a significant portion of the original balance having already been written off. Additionally, this account continues to update on my credit report, which is causing significant damage to my credit score. I recently experienced a drop of over XXXX points after this account was updated.

I am disputing the inaccurate reporting and improper handling of my auto loan account with Lendmark Financial Services following my vehicle being totaled. My primary auto insurance paid the majority of the loan balance. A GAP claim was also involved ; however, I have confirmed that the lender did not submit the GAP claim until XX/XX/year>. The claim remained open and under review until XX/XX/year>. During this time, my account was in an active insurance/GAP process. Despite this, Lendmark reported my account as 30 days late in XX/XX/year>. I was not notified that payments had resumed or that my account was due prior to being reported late. I was not contacted regarding any payment until XX/XX/year>, XXXX day after the GAP claim was finalized. During that XX/XX/year> call, I was not informed of any prior delinquency for XXXX. Instead, I was offered a deferment, which I signed on XX/XX/year>.…

The debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I didnt sign not participate in any of it. They didnt follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges.

My motorcycle loan with Lendmark Financial Services was paid in full on XX/XX/year>. The account shows a principal balance of {$0.00}. The company has failed to release the lien and provide the motorcycle title. I am requesting immediate lien release and title ( s ) issuance.

Was told the loan was capped, but all of my payments are going towards interest monthly, balance is greater now than it was when I first got the loan.