Family Finance

I do have a loan with family finance and Keystone finance, since I took my loans I advised them im not allowed personal calls at work, back on January I was having problems to cover my obligation with them and the calls became a problem at my work more then 3 times I ask them not to call me at work and and employee by the name [redacted] made it seem like personal to call me every day on my cell and right after that at my work she went as far as calling me from her personal cell after hours to ask me to pay my bill, I did send a cease and desist letter and was told by more them one employee they do not accept those and will continue to call, I am past due on my accounts again and sure enough the calls to my work continue from Keystone Finance and Family Finance, the supervisor [redacted] was told by my direct manager not to call me at my place of employment when I talk to her during my break she advised me she was not to follow that collection rule. I received a couple other calls at my work from Keystone Finance and fax a 2nd cease and desist letter which this time I save the confirmation it was received, on Friday the 28th I spoke to Nina and advised her I was having some difficulty on covering my obligation but I was going to get it taking care of, right after that I got a call at my work from [redacted] advising me to call her back, I finally call the corporate office for the second time 8/31 and express my situation I was told I was not going to have any more phone calls at work and a manager was going to reach back to me that was during my lunch time around 12:15 or so, about 1:35 I received yet another call from Family Finance. I do not know why the continue to brake the fair debt practices but I have no choice to send this letter to you and hope there is something the can be done; I am not a person who get stress very easily however the way this two sister company's have handle my accounts is making me very disturb since is causing me also many problems at my place of employment due to their calls.Desired SettlementI will like Keystone Finance and Family Finance to be fined and be held accountable for violating the fdcpa.Business Response As you know, there are two sides to every story, thank you for allowing us to respond with ours.I do find her record of conversation with our corporate office and we find the matter to have been handled correctly. We are not in violation of any law or the FDCPA as we are not third party collectors and have her signature allowing such calls. In fact we have found that many customers appreciate the telephone call as it goes a long way in preventing possible late fees.Nonetheless, at this time, I have directed the office to cease all telephone communication and have confirmed that her account card has been marked accordingly.Consumer Response (The consumer indicated he/she DID NOT accept the response from the business.)NO I don't, I did received a call from [redacted](regional manager) and far from trying to resolve the matter I felt he was just making a collection call, I felt he did have an attitude and among a few other things he was very clear and telling me to pay my bill and walk away there was a contract sign and account need it to be move to the next level, he advised me to read the law and he was entitled to call me at work and as many times as he need it to..there has never been a time I have denied my debt with this 2 sister company's. At some point he did stated calls were going to be stop to my work however this will not be the 1st or second time I advised them I can not receive personal calls at work, for them to say some customers appreciate the calls at work on my case from day one they knew that wasn't the case with me and if I get behind on my loan I do understand the part where I will have late fees which they all been pay and continue to be paid until my debt gets cover in full because not once they give me credit for any late fees.Final Consumer Response

This place is a fraud/scam. There is one person there. Sounds like he's from Nigeria or another third world country. First he will tell you his name is Sam then he will pretend to transfer your call and come back on the phone and say his name is Austin. He will tell you to pay the first payment upfront and you have to send the payment to Lindsey G[redacted] in Florida. He told me the parent office was in [redacted], but when I asked him why did I have to send money to Florida he said that was the parent office location. When I questioned him about Cincinnati he clamed up. He sends text messages from [redacted]. This is a scam. Please do not send any money to this man. He claims the website name is [redacted]. The website states they are not a loan company but he offered me a $2000 loan.","neu-1