Complaints

• Initial Complaint

  05/20/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received a check in the mail for a loan which I signed and deposited into my account in acceptance of the loan terms. As soon as the check cleared my account the Waco office began calling me daily during working hours, sometimes multiple times, mind you this is 3 weeks before my 1st payment is due. Initially, I'm thinking this is just like a welcome call until a few days in this lady comes knocking on my door and leaves a very vague but rude letter saying they MUST speak to me that day! Gave no reason why, still weeks until my payment is due. This woman passes 4 no tresspassing/knocking signs, sets off all my cameras and upsets my very aggressive dogs to leave this letter. I have a job I cannot just chit-chat throughout the day with these folks. I have tried to call when I'm off but they are closed and have no way for customers to leave a message. Finally, my payment came up due May 11, 2024. On May 10 I drive all the way over there and of course no drop box for payment! No way to pay on the website either. I cannot get across town during their business hours so I mail it with tracking so I can make sure they receive it. The day they receive it there they are blowing my phone up again during day and every day since. I also sent a letter with my payment telling them to STOP calling me and DO NOT come to my home unless I get behind on payments. The only reason I signed the check was so I didnt have to go to the office and deal with people! They have no business mailing these checks if this is how they treat customers. They act like I stole the damn thing. So now I am in the process of drawing up a cease and desist letter to get these damn people to stop calling me when I am not behind on anything! I have emailed corporate 3 times and received no response. I am also filing a complaint with the Texas Attorney General's Consumer Protection and the Office of the Consumer Credit Commissioner. You can't harass people ESPECIALLY when they aren't behind on payments

  Business response

  05/20/2024

  I am not sure who you emailed but this is the first time I am seeing this complaint.  My direct email is ***************@westernshamrock.com and I will be happy to look into this for you.  You can also reach me at *************  I will look into this and respond directly to you with the email provided.  If you have any further issues feel free to reach out to me directly.  I will be in touch soon.

• Initial Complaint

  05/14/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with Western Finance and do not have a contract with Western Finance Company. They did not provide me with the original statement or application when I asked, nor did the Credit Bureau. This was requested 30+ days ago. I reviewed my Consumer Reports and noticed that there was an inaccurate account(s) on my credit report. I contacted Western Finance and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

  Business response

  05/15/2024

  This account was charged off and sold to ********** Settlements in April of 2023.  The folder with the contract in it was mailed to them.  They can be reached at 888-********.  Your account number with us was *** ********

  Business response

  06/06/2024

  It is reporting correctly, charged off, then sold with a $0 balance owed to us.  So again I will state... This account was charged off and sold to ********** Settlements in April of 2023.  The folder with the contract in it was mailed to them.  They can be reached at 888-********.  Your account number with us was *** ********  They are the full owner of the account.  We will not be removing the credit bureau report as its correct and we do not issue 1099's on sold accounts because you did not pay the money back.

  Customer response

  06/17/2024

  
  Complaint: 21703525
  
  I am rejecting this response because:

  No need to repeat or have an attitude. I will reach out to them for all documentation/proof. Thank you.

  
  Sincerely,
  
  ******* ****************

• Initial Complaint

  04/18/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am a victim of identity theft. I've noticed unauthorized transactions and suspicious activities linked to my identity. I've filed a police report, but I need assistance in resolving this issue. I hope to recover my financial losses, clear my name, and request your help in removing this account from my credit report. Please help me in this matter. ------WESTERN SHAMROCK CORP: Opened Date - Jun. 13, 2019, Higher Credit - $268. --------

  Business response

  05/03/2024

  Please reach out to me directly and I will advise on the procedures for handling situations like this.  I can be reached at ***************@westernshamrock.com or my direct line is ************.

• Initial Complaint

  06/07/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I received a notification that a loan with Western Shamrock Corp was added to my credit report on May 04. I have no knowledge of this loan and believe it to be fraudulent. I am incredibly frustrated that better security measures were not put in place to prevent this loan from being opened. I want this loan to be closed and removed from my credit report.

  Business response

  06/07/2023

  I have pulled all of our records including the id and paystub used to open this account and the signed contract.  I will need a copy of your drivers license or state id to compare the signatures and look further into this before I can remove it from your credit report.  Please reach out to me directly at brenda.copeland@westernshamrock.com so we can work together to get this resolved.  My phone number is 864-973-8051.

• Initial Complaint

  07/27/2022

  Complaint Type:

  Billing Issues

  Status:

  Unresolved

  More info

  On may 2022 I was to have 1 payment left on purchase of merchandise bought on loan. Western finance stated ur all monthly payments on time last 3 payments would be paid by them. In may 2022 my last payment was due and rep started I could pay on last day with no Kate fee and payment not considered late since it was my last payment. Upon payment on last day of grace I was told no grace period and now I had to pay the last 3 payments that were initially to be waived since I was always on time. Furthermore, I had made 1 extra payment o. The initial day of my contract and no one knows where that payment so technically I was already paid up In May. I refuse to pay as the last 3 payments scheme is a fraud. They lie about due dates when called and boy do they call. I want my account cleared as it is paid in full. This is a merchandise account only. Calls to district manager unanswered and never returned Here is my original contract dated 3/5/2021 with the loan amount of $1156.93. That same day I gave two(2) payments of 55.09 which totaled out to $110.18. So my new balance is $1046.68 which is reflected on my April 6, 2021 receipt when I gave yet another $55.09 payment which gave me a new due date until July 2021! So clearly you can see I was ahead of one payment and therefore Western Finance should have given me the credit on the so called 3 months waiver program they were pitching. All my payments were made on time. Western Finance is now trying to charge me for that 3 month balance. I reached out to manager Maxine and she refused to look into this matter. I asked for a meeting or a call back from Lisa, the District Manager; she never bothered to reach out to me either. I am an honest person. If I owe the debt I will honor my contract but clearly I am ahead of the payment. I really need your help. I have called Western Shamrock corporate office in San Angelo but they won't return my call. Thank you for your attention on this matter.

  Business response

  08/25/2022

  Business Response /* (1000, 5, 2022/08/15) */ I have looked into the customers account. The agreement is that if all payments are made on time then we will pay the last remaing couple of payments. The customer was late which makes that offer not available any longer. The customer is now refusing to pay what is still owed on the account. WE are looking at our collection options at this time. We would like for the customer to call the office where they got the loan and discuss payment option. Consumer Response /* (3000, 7, 2022/08/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) I was still one payment ahead..no matter what. They failed to address the fact that I was within the 10 days set my their rep ****** staying I would be safe and still be eligible for the discount amount. Furthermore, they called me and stated there was enough proof of me paying on time and the comment made by the rep ****** so if the manager agrees they will honor the program I'd I am willing to pay the last payment to which I agree. I am waiting on that call.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩